Chances are you know someone who has had a broken leg. Mobility becomes an issue quickly. Wheelchairs are not just for those with lifelong disabilities but also temporary disabilities. At the high cost of these items, one would be hard pressed to just go out and buy a new one. So what can you do? [...]
Read MoreWell, 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 differences from policy to policy, these articles would be longer than your insurance documents. So [...]
Read MoreSome 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 year to year until there are no funds left. A Flexible Savings Account (FSA) Is [...]
Read MoreWhen 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 of these services, because many plans will cover this differently than a regular visit to [...]
Read MoreUnder 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 that you should know about and read before getting the coverage. No two policies are [...]
Read MoreCoordination 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 this: “Well, my plan is better than my wife, so we will use mine as [...]
Read MoreIf you haven’t looked at the links above recently, you might have missed something new. I recently added videos to the resources available for even more education and information you can get right from this one website. Also for those who sometimes type .com or .net, now disabilitiesunlimited.org is universal on all three. Type any [...]
Read MoreSome 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 a little less then in-network. But this is to encourage you to staying in-network. Why [...]
Read MoreNow 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 cost and shares the other percentage with you. A few plans will pay 100%, but [...]
Read MoreSimply, 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 applied to your deductible to help pay it down faster. Most typically do not, but [...]
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