November 22, 2009
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Well, to wrap up a two week series of Health Insurance, I hope it has given you a nice overview of what is all involved. I have not dived into any one topic too deeply, because there is so many … Continue reading
November 20, 2009
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Some of the ways you can pay for medical expenses is with pre-tax dollars. A Health Reimbursement Account (HRA) is one type which is usually set aside by your employer. Money in this type of account can roll over from … Continue reading
November 19, 2009
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When you look at Preventative services, be aware there are guidelines that define what these are. Loosely defined, these are the services done during a once a year annual physical you have with the doctor. Make sure you are aware … Continue reading
November 18, 2009
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Under some preconceived notion, many assume that once they have health insurance coverage, anything is covered. Or, they assume, their doctor says it’s needed, so then the insurance company must cover it. In all reality, policies have Exclusions and Riders … Continue reading
November 16, 2009
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Coordination of Benefits is probably the biggest thing of the health insurance business that gets confused. What coordination of benefits does is put into order insurance policies when you have two or more insurance policies. Some think, and I’ve heard … Continue reading
November 13, 2009
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Some plans get very specific about In-Network Providers. So much so, you can only get benefits if you only go to in-network providers. There are other plans that allow for Out-Of-Network providers. Depending on the plans, the benefits can be … Continue reading
November 12, 2009
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Now that we have gotten through copays and deductibles, we must now consider co-insurance. After you satisfy your deductible then you have a portion, shared expenses with the insurance company. Co-insurance is where the plan pays a percentage of the … Continue reading
November 11, 2009
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Simply, the Copay is the amount you pay upfront when visiting the doctor. Copays can also apply for Urgent Care services, ER visits, and other services under your plan. Read your insurance plan to see if Copays can also be … Continue reading
November 10, 2009
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So, you go to your doctor’s office and you pay something to the doctor out of your pocket. This is how the term Out-Of-Pocket came to be. Under some plans the deductible can be applied toward your out-of-pocket and some … Continue reading
November 9, 2009
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Deductible – This is the amount some plans ask you to pay first before the plan makes any payments. This could be a low dollar amount or it could be high. The deductible is an annual event. Either starting over … Continue reading
November 8, 2009
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Today I’m starting a new series about Healthcare. It’s a hot topic! But my purpose, because many people with disabilities need it AND because many don’t understand it, I wanted to give a primer of terms. Currently having a job … Continue reading
October 24, 2009
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Have you ever gone to the library to check out a bunch of books and movies and upon returning find your hands full and hard to open the door? I know of a few who have and I know of … Continue reading
October 18, 2009
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When we think of language, English and all the spoken ones come to mind. When someone who is hearing impaired thinks of language one they think of if Sign Language. I found a link while helping someone with resources that … Continue reading
October 13, 2009
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Speaking with a large crowd of elementary students last week, one thing was evidently clear: Lots of questions. I broke the ice right away talking about things that were different and things that were the same between them and myself. … Continue reading
April 16, 2009
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The bumper sticker said, “Have you hugged someone today yet?” No I hadn’t. It just seems like there is so much to do and so many places to go that a hug is the last thing on the mind. It’s … Continue reading