Category Archives: Health Insurance

Thoughts and opinions regarding changes in health insurance (US only).

Health Insurance

Reducing Your Out-Of-Pocket Healthcare Costs

Reducing Your Out-Of-Pocket Healthcare Costs

Photo by Hermes Rivera on Unsplash

When we reach retirement age, we begin to receive a monthly check from the government. This is not a gift. Throughout our lives, money is taken from our salary and paid into the Social Security Administration.

Medicare is a government administered health insurance program for people over 65 years old or people with disabilities. It is not free, though Medicaid does help people of low income with some of their health needs at no cost.

Medicare has 4 parts

Medicare Parts A & B

Medicare Part A pays for inpatient hospital visits. There is no charge to the patient who is on SSI.

Medicare Part B pays for basic and some preventative health care issues. There are specifics on what it will and will Read More

Health Insurance

Buy Or Renew Your Health Insurance For 2018

Health insurance is a bit complicated for millions of families in the US. Different types of networks, a variety of health plans, and income dictates the options available, yet no insurance company created all plans equally. In addition to this, there are variations on costs and coverage depending on location.

The annual open enrollment period offers a chance for applicants and families to make a positive change. This is when they can switch to a better plan or buy a plan for the first time.

The concern this year is that there may not be quite so many plans, and the costs will go up. Some will be pleasantly surprised by the outcome, while others will lose out. It all comes down to the potential changes to the Affordable Care Act, which Congress continues to … Read More

Health Insurance Marketplace

Facts About The Health Insurance Marketplace

Health insurance is a financial burden faced by many American families. Many have problems finding a plan that is affordable and manageable. Those that struggle are often unaware of their options and the help available.

The Health Insurance Marketplace is a federal government run system providing plans from private health and dental insurance companies. This accessible system offers aid for those in need and does more than some may think.  Using a licensed insurance agent can clear up the mystery and there is no extra charge or higher premium.… Read More

Health Insurance claim

Reasons Behind Health Insurance Claims Denial

There are many reasons why your health insurance company may deny covering your claim. One of the most important things you need to do is to read through the Explanation of Benefits (EOB).

The Explanation of Benefits will tell you everything you need to know regarding you office visit, procedures or tests performed, and explanation codes. If you can’t find the answer, then call your insurance provider, so you save yourself time and money in the future.… Read More

Medicare Open Enrollment

Medicare Open Enrollment Is Here So Get Ready

This initial enrollment period begins for each on the first day of the month in which they are both age 65 or older and enrolled in Medicare Part B. Initial Enrollment starts 3 months prior to your birthday and 3 months after your birthday for a total of six months to get enrolled.

For example, if your birthday is March 3 and you enroll in Medicare Part B to start on March 1 of that same year, your Initial Enrollment period would begin in January and last through the month of June.… Read More

Health Insurance

Annual Open Enrollment For Health Insurance

It never fails. The dreaded once a year email comes to all employees and is from Human Resources: “Open Enrollment is Here!” screams the subject line. You remember last year as you wearily tried to make sense of the never-ending choices between plans.

Health insurance doesn’t have to be a dirty word! Employers realize that these benefits are of great importance to employees and offer them at a very affordable rate. Presented below are essential concepts of plans and what it ultimately means to you.… Read More

Health Insurance

Medical Tests To Avail Under Health Insurance

A Perfect Health Gift

Paying monthly insurance premiums can get pricey. Lots of people dread having to pay monthly bills for a car, homeowners, and life insurance. Adding health insurance to the mix can feel like a waste of money for those who don’t understand their health insurance plans.

Now that more information on health insurance is available, things are changing. People are seeing ways that their health insurance can save them money by providing free tests and other benefits.

Free Checkup

A healthy person taking a prescription for acid reflux only might think having health insurance doesn’t really benefit him. Taking time to discover what his health insurance offers will likely change his mind. Typically the first thing he will find while doing his research is he can get a free checkup.

How to

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Free Medical Tests under ACA

FREE Medical Tests Now Covered by the ACA

Over 70 percent of Americans die from preventable diseases each year. And 75 percent of US health spending is on preventable diseases.

Obviously, preventive care for Americans has been too low for many years.

Unfortunately, far too many Americans wait until the onset of disease to begin testing – when treatment is more difficult and much costlier.

With the recent passage of the Affordable Care Act (ACA), however, all of that has changed for the better.

The ACA requires that all heath insurance policies now cover recommended preventive care services – without copay, also referred to as cost sharing. Notably, the ACA now includes drug testing for addictive substances – including testing for often-abused prescription drugs like Xanax – in its guidelines.

In other words, insured individuals will now pay little to nothing for … Read More