Reducing Your Out-Of-Pocket Healthcare Costs

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How to Figure Out Medicare Insurance

doctor office visit insurance medicare

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 Is Made Up Of  4 Parts

Original 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 the doctor office visits, with basic and some preventative health care issues. There are specifics on what … Read More

Buy Or Renew Your Health Insurance For 2018

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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

Is The US Any Further Forward With Hair Follicle Drug Testing?

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Drug testing is an important regulation for many Americans under employment contracts. This is true across a spectrum of industries. Workers within a major corporations need to prove they are reliable, safe workers that uphold the principles of the company.

Nurses and medical workers cannot put lives at risk while under the influence. Police officers cannot appear to be above the law and must abide by drugs policies. Athletes and sports teams require regular drug testing to ensure that they are naturally gifted, worthy winners.

There are different ways to test these individuals, and one of the popular approaches these days is hair follicle drug testing. The problem is that while many see the potential of this methods, and the advancements made, there are also critics that highlight ongoing limitations.… Read More

Facts About The Health Insurance Marketplace

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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

What You Need to Know About Fasting For Blood Tests

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You wake up on the morning of your doctor’s appointment, eager to know your blood sugar level or your body’s cholesterol level.

After you get into your doctor’s office and you see your doctor.  But your doctor sends you back home with instructions not to eat or drink anything besides water as from 7-8 pm till the next morning when you will have your blood drawn for the lab.  One may wonder why get sent back home and what is this fasting for blood tests?

The next morning those growling sounds can be frustrating, and it is hard to ignore the morning cravings for breakfast and a cup of coffee.  However, getting your blood drawn is a quick process, and soon after it is done, you can resume eating and drinking.… Read More

Steps For Effective Employer Drug Testing

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A good employer will want to ensure that the working environment in his or her organization is drug-free; in fact, it is his or her responsibility to do so.

After all, the prosperity of a company and the welfare of its employees are affected by the use of illicit drugs.

There are many consequences of the proliferation of drug users in an organization—from on-site accidents, decreased productivity and profit, absenteeism, and the compromised safety of the employees.… Read More

Reasons Behind Health Insurance Claims Denial

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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

6 Medical Screening Tests For Smokers

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If you have been a smoker for more than six months, it might be time to go to the doctor and get a wellness check-up.  Smoking increases the risk of current and future health problems.

Most smokers believe that tobacco will never catch up to them, but they are wrong. If you are a current or former smoker, there are a few tests that you may request from your physician.… Read More

Implementation Of Roadside Saliva Drug Testing

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A roadside testing campaign for drug impairment fell through after Montpellier lawmakers were reluctant to okay the move. This happened even after prosecutors and law-enforcement authorities rolled out a report that substantiated its effectiveness.

Sporadic meetings by the Joint Legislative Justice Oversight Committee have taken place to look back at the state policy on marijuana regarding medicinal and recreational from the date of legislature adjournment in May.… Read More

Medicare Open Enrollment Is Here So Get Ready

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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

Annual Open Enrollment For Health Insurance

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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

How Drug Tests Can Improve An Employee’s Productivity

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With the increasing rate of drug abuse in the world, employers have found it essential to perform a drug test on their employees, on a regular basis. It is important for every employer to keep his working environment a drug free zone, to ensure the productivity of his or her employees as well as for the overall growth of the company.

For you to carry out a drug test exercise in a working place there must be an agreement between you the employer and your employees. This activity should also adhere to the health and safety rules.

It is very clear that drug test and drug testing is essential to maintain a safe and drug-free place. However, this exercise can affect the productivity of an employee in other great ways. Follow through as I discuss … Read More

Medical Tests To Avail Under Health Insurance

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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

… Read More

What Is Gestational Testing?

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Pregnancy is typically one of the most exciting times in a mother’s (or soon to be mother’s) life. It can also be one of the most stressful times of uncertainties about the health of the baby are a part of the experience.

There have been many advances in the field of women’s reproductive health and testing over the past fifty years. It wasn’t until the 1970’s that women had access to at-home pregnancy testing. Before then, women who thought they might be pregnant would have to go see their doctor and ask to be tested in his office and they would have to do a urine or blood test there.

Modern over-the-counter pregnancy tests test the female’s urine for the presence of HCG (Human Chorionic Gonadotropin) This hormone should be found in the … Read More

Common Medical Tests for Adults

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The field of medicine has a large number of tests for adults and children that are performed on the human body and they can be classified into two main groups.

The first is specialized tests which are used to identify specific illnesses or related category of illnesses and the second are general tests used to look for a wide range of illnesses. All these tests combined are designed for fulfill certain functions including screening, diagnosis, evaluation of responsiveness to treatment as well as trying to identify the progression of a disease so as to allow for effective care.… Read More