All posts by Carol Hughes

Reducing Your Out-Of-Pocket Healthcare Costs

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

What Is Gestational Testing?

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

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

Pediatric Medical Tests Available For Your Child

It is important that a doctor has a medical history of a child and performs a physical examination on a child, so that he or she can evaluate a child’s health. This is important as it helps the doctor understand what may be causing a child’s illness. Doctors may have to order some medical tests to enable them find out more. Most of these tests are covered by insurance and some preventative ones are covered 100% with no co-payment needed.

Below are some of the common tests done on children and what they are used for:

Read More

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