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background-color:#88D5C2;color:#ffffff;border-color:#88D5C2;border-style:solid;border-width:2px;}.sys_layout.sys_button.large.solida:visited{color:#ffffff;}.sys_layout.sys_button.large.outlinea:hover{background-color:#88D5C2;color:#ffffff;text-decoration:none;}.sys_layout.sys_button.solida:hover{text-decoration:none;opacity:.8;}varswRegisterManer={goals:[],add:function(swGoalRegister){this.goals.push(swGoalRegister);},registerGoals:function(){while(this.goals.length){this.goals.shift().call();}}};window.swPostRegister=swRegisterManer.registerGoals.bind(swRegisterManer);HomeBlogHEALTHINSURANCEMISTAKESTOOIDGetBestWebhostingHomeBlogHEALTHINSURANCEMISTAKESTOOID/*jshintignore:start*/$(document).ready(function(){flyoutMenu.initFlyoutMenu([{"name":"Home","title":"Home","href":".\/","children":[]},{"name":"Blog","title":"Blog","href":"blog.php","children":[]},{"name":"HEALTHINSURANCEMISTAKESTOOID","title":"HEALTHINSURANCEMISTAKESTOOID","href":"health-insurance-mistakes-to-oid.php","children":[]}],'flyover');});/*jshintignore:end*/ .layout_1-column{width:100%;padding:0;margin:0;}.layout_1-column:after{content:"";display:table;clear:both;}.zone_top{margin:0;padding:5px;vertical-align:top;line-height:normal;min-width:100px;}div.sys_text_widgetimg.float-left{float:left;margin:10px15px10px0;}div.sys_text_widgetimg.float-right{position:relative;margin:10px010px15px;}div.sys_text_widgetimg{margin:4px;}div.sys_text_widget{overflow:hidden;margin:0;padding:0;color:;font:;background-color:;}5HEALTHINSURANCEMISTAKESTOOID Tuesday,may02,2017Shoppingforhealthinsuranceandselectingtheplanthat'slikelytobestmeetyourneedsisnosimpletask.Butneitherisusinghealthinsuranceonceyouheit.Insurancetermsandhealthplanrulesoftenleadtoconfusion,andunfortunately,tocostlymistakes.Herearefivecommonhealthinsurancemistakestooid.1)Youassumeyou'recovered. It'scommonforpeopletoassumethatoncetheyheinsurance,theycansimplygoforcare.Butallhealthplanshelimitsontheservicestheyoffer.Beforeyoumakeanappointmentwithyourdoctor,besurethecareyouneediscoveredbyyourplan.Alsomakesureyouunderstandhowmuchofitscostwillbepaidbyinsurance.Tocheckyourcovere,youcaneitherreadyourpolicyorcontactyourinsurer.2)Youdon'tcheckyourplan'smedicationlist. Ifyoutakemedication,checkyourhealthplan'slistofdrugs(alsocalledaformulary)todetermineifitiscovered.Ifit'snot,askyourdoctorifthereisareasonablealternative.3)Youassumeyourdoctorisin-network.ManyofthenewhealthplansincludefarfewerdoctorsandhospitalsthantheydidbeforetheAffordableCareAct.It'sbeendifficultinsomecasestoclearlytellwhoisandwhoisn'tparticipating.Evendoctorshebeenunclearaboutwhichplansthey'reworkingwith.Checkwithbothyourinsurerandyourhealthcareproviderstoconfirmtheirin-networkstatusbeforegoingforcare.Seeingadoctorwhoisoutsideyourplan'snetworkcanbeverycostly.4)Youdon'tknowyourinsuranceterms. Studiesheshownthataverysmallnumberofpeopleareabletoaccuratelydefinebasichealthinsuranceterms.Notunderstandingthesetermswillmakeitdifficulttofigureouthowmuchyourmedicalcareislikelytocost.Herearefourofthemostcommonterms:Co-pays arefixedfeespaidatthetimeofserviceforamedicalvisit orprescriptiondrugs, suchaseachtimeyouseeyourdoctor.Deductible istheamountyou'llhetopayforservicesyourhealthplancoversbeforeyougetanyhelpcoveringyourbills.Ifyourdeductibleis,000,youwon'tgetanyfinancialhelpfromyourplanuntilyou'vemetyour,000deductible.Deductibleswon'tnecessarilyapplytoallservices.Co-insurance isapercenteofthecostofyourcareyou'llneedtopay,generallyaftermeetingyourhealthplan'sdeductible.Forexample,ifyou'reresponsiblefor30%co-insuranceforamedicationthatcosts0,youwillpayforthatdrug.This glossary ofhealthinsurancetermsprovidesacomprehensivelistofcommontermsyou'reliketocomeacrosswhenusingyourpolicy.5)Youpayyourbilltoosoon. Afteradoctor'svisit,you'llreceivewhat'scalledanexplanationofbenefits,orEOB.Itshowstheserviceyougot,howmuchyourdoctorcharged,andwhatportionofthebillyourinsurerpaid.Ifyou'vereceivedabillfromyourdoctor,holdoffonpayingthatbilluntilyoureceiveyourEOBandcanconfirmthatyourinsurerpaiditsportion.Whatmistakesheyoumadewhenusingyourbenefits?ShareyourexperienceinthecommentssectionbelowORlikebellowMEDICAREENROLLMENT:5THINGSTOKNOW Tuesday,may02,2017Ifyou'recoveredbyMedicare,nowisthetimetomakechangestoyourhealthplanandprescriptiondrugcovere.Medicare'sannual open-enrollment periodisopenuntilDecember7th.Withsomanyplanstochoosefrom,shoppingforanewMedicareAdvanteand/orPartDprescriptiondrugplancanseemlikeadauntingtask.HerearefivethingstoconsiderwhenshoppingforyourMedicarecovereoptions:1.NOTshoppingcancostyou.Eachyear,costandbenefitdetailsofMedicareAdvanteandstand-alonePartDdrugplanschange�evenifjustalittle.Thosechangescanbecostly.Accordingtoarecentsurveyof49,000peopleusingeHealthMedicare.comtocompareMedicareplans,peoplewhoswitchedtoanewPartDdrugplansednearly$700in2015.Inaddition,theywere20%lesslikelytohittheprescriptiondrugcoveregap.Thebottomline:Evenifyou'rehappywithyourcurrentcovere,shopyouroptionsduringthisopenenrollmentperiodtomakesureyoustillhetheplanthatbestmeetsyourneeds.2.Lookbeyondpremiums.Aplanwithalowmonthlypremiummaybemoreexpensiveinthelongrunifdoctorvisitsorprescriptionscomewithhighout-of-pocketcoststhroughouttheyear.Togetatruesenseofwhatyou'rehealthcarecostsarelikelytobe,lookbeyondyourmonthlypremiumtounderstandeachplan'sdeductibles,co-paysandcoinsurance.3.Makesureyourdrugsarecovered.Expecttopaymorewhenyoufillyourprescriptiondrugsnextyear.Acrosstheboard,PartDplandeductiblesandotherout-of-pocketexpensesarerising.Confirmthatthemedicationsyouneedarecoveredbyyourplan.And,checkonthedetailsofcost-sharingtiers,whichareverycommoninmostplans.Genericsonthelowesttierscosttheleast,whilebrand-nameandspecialtydrugsonthehighesttierscomewiththehighestout-of-pocketcosts.Finally,don'tforgettocheckwhichpharmaciesparticipatewithyourplan,andwhichtierstheplanhasplacedthemon.Prescriptionscostlesswhenyoufillthematapharmacyidentifiedasoneoffering�preferredcostsharing.�Andbeware:Noteveryonelivesnearapharmacywithpreferredprices.4.Isyourdoctorin-network?Makingsureyourdoctorsparticipatewithyourhealthplanisoneofthemostimportantpartsofpickingtherightpolicy.Out-of-networkcarecanbeveryexpensive.Infact,arecentreportbyAmerica'sHealthInsurancePlansfoundthatout-of-networkproviderschargedpatientsonere300%morethanMedicareratesforcertainproceduresandtreatments,suchasMRIsandchemotherapy.5.Checkstarratings.Medicarehasaqualityratingsysteminwhichplansarerankedfromonetofivestars,withfivethehighest.Trytochooseonewithnolessthan3.5or4stars.Youcanseeaplan'sratingsontheMedicareplanfinderat  orcall(800)633-4227.YoucanalsogetfreepersonalizedcounselingservicesthroughyourStateHealthInsuranceAssistanceProgramat:  orbycalling(800)677-1116.OBAMACAREENROLLMENT:4THINGSTOKNOW Tuesday,may02,2017Ifyou'reinterestedingettingcovereundertheAffordableCareActfor2016,now'sthetimetostartshopping.EnrollmentopenedonNovember1andwillcontinuethroughJanuary31(though,you'llneedtomakeyourfinalselectionbyDecember15ifyouwantapolicyinplacebyNewYear'sDay).Evenifyou'rehappywithyourcurrentACApolicy,it'sagoodideatoreviewyouroptionsintheMarketplace,sinceeachnewyearbringschangestoplancostsandbenefitdesigns.Hereare4thingstowatchduringthisopenenrollmentperiod.1.Risingpremiums. Thisyear,premiumincreasesaresteeperthanlastyear.Benchmarkplans(thesecondlowestcostsilverplansoldineachmarketandtowhichtaxcreditsaretied)willjumpbyanereof7.5%for2016.Butthat'sjusttheereacross37statesusingHealthcare.gov.Costswillrisemuchhigherinsomestates.Forexample,ifyouliveinOklahoma,you'llpayanereofnearly36%moreforbenchmarkplanpremiums.Thegoodnewsisthatmostpeoplewillbeabletooffsetrisingcostsbyshoppingandchangingplans.Agovernment analysis foundthatpeoplewhoswitchedplanswithinthesametierlevelin2015(bronze,silver,gold)spentnearly$400lessfortheyearonpremiumsaftertaxcreditsthantheywouldheiftheystayedintheirexistingplans.2.Changingcosts. Thepriceofaplan'spremiumisn'ttheonlycostthatwillchange.Eachyearhealthplansmakeadjustmentstoout-of-pocketcostsaswell.So,checkplandeductibles�theamountyoumustspendbeforeinsurancehelpscoverthebills.You'llalsowanttonoteco-paysandco-insuranceassociatedwithgoingtothedoctororfillingprescriptions.Tohelpyougetasenseofwhatyouroverallcostsarelikelytobewithdifferentplans,Healthcare.gov isnowofferingacostcalculator,aswellastoolstohelpyousearchforplansbyparticipatingdoctorsandcoveredmedications.3.Providernetworksanddrugcovere. Generally,planssoldonHealthcare.govwillcontinuetoofferlimitedprovidernetworkswithaccesstofewerdoctorsandhospitals. And,therearemoreplansbeingsoldthisyearthatoffernoout-of-networkcovereatall.Narrowernetworksthatincludefewerdoctorsaregenerallycheaper.Butthere'satrade-off.Goingoutsideyourhealthplan'snetworkcanleadtohighandunexpectedcosts.Anotherdetailtocheck:Thelistofparticipatingpharmaciesandthedrugseachplancoverstomakesureyou'llhecovereforthemedicationsyoutake.Also,makesureyouunderstandtheassociatedcostsyou'llfacewhenyougotofillyourcoveredprescriptions.Forexample,mostplansputmedicationsondifferenttiersthatcomewithvaryingout-of-pocketcosts.And,someplansheaseparatedeductibleforprescriptiondrugs.Thewayinwhichthesecostsareappliedcanheahugeimpactonhowmuchyouultimatelyspend.4.Taxcreditcalculations.Taxcreditsareailabletohelplowerthecostofinsuranceforindividualsearningbetween$11,770and$47,080peryear. Thoseearninglessthan$29,000peryearmayalsoqualifytohetheirout-of-pocketcostsreduced.Ifyou'realreadygettingataxcreditanddon'trenewyourplanthroughHealthcare.gov,yourincomewillbeautomaticallyupdatedbythegovernmentwiththemostcurrentinformationailable.Still,it'sagoodideatoupdateyourinformationduringopenenrollmenttoensurethatyou'renotreceivingtoomuchortoolittlehelp,andtoreportanychangestoyourincomeorhouseholdsizeduringtheyeartokeepyourinformationcurrentandtooidsurprisesattaxtime.WHAT'SCONSIDERED'PREVENTIVE'?HOWTOKNOW Tuesday,may02,2017Mostinsurersarenowrequiredtocoverthefullcostofpreventivecare,suchaswellnesscheck-ups,vaccinations,andscreenings.But,asyoumayknow,itcansometimesbedifficulttodeterminewhichmedicalservicesandtestsaretrulyconsideredpreventive.Howcanyoudetermineifyourvisitisconsideredpreventiveandlikelyfree?Hereare6thingstoconsider.1. Knowthelaw. UnderTheAffordableCareAct,vaccinations,cancerandotherhealthscreenings,wellnessexams,andFDA-approvedcontraceptivesarefreeinmostcases.HealthplanswerealreadyinplacewhenthelawtookeffectMarch23,2010�called�grandfathered�plans�don'thetocomplywiththispartofthelaw.2.Payattentiontodetails. Thereareguidelinessetbymedicalandscientificauthoritiesthatdeterminewhetherornotmedicalservicesareconsideredpreventive.Thespecificrecommendationswilldecideifyourvisitiscoveredinfullbyyourinsurer.Forexample,colonoscopiesarecoveredinfullforpeopleovertheeof50.Ifyou're35andgoforascreening,you'lllikelybeonthehooGet 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hostingkforsomeportionofthecost.Foracompletelistofpreventivehealthservicesailablecost-free,seetheKaiserFamilyFoundation's PreventionServicesTracker.3.Knowyourinsurer'srules. Yourinsurerhassomewiggleroomwhenitcomestointerpretingthemedicalguidelines.Forexample,insurersmustcoverallformsofFDA-approvedbirthcontrolpills,butthatdoesn'tmeanyourparticularbrandisonthelistofthoseyourparticularplancovers.Instead,yourinsurermaypayonlyforthegenericform.4.Stayinnetwork. Ifyouwantcost-freepreventivecare,youmuststayinyourhealthplan'snetwork.Careprovidedbydoctorsoutsideyourplan'snetworkwillcostyou.5.Beclearaboutthepurposeofyourvisit. Whenyoucalltomakeyourappointment,besuretotellthepersonyouspeakwiththatyou'recominginforapreventivevisit,suchasawoman'swellnessexam.Keepinmindthatifyoudiscussanexistinghealthissueduringthesamevisit,youmaygetaseparatebillforthateventhoughthepreventiveservicemustbewithoutcost.6.Questionunexpectedbills. Alwaysquestionanychargesyoudon'tunderstandorthinkshouldbefree.Oftenthemistakeisasimplebillingerrorthatcanbeeasilyclearedupbycallingyourdoctor'sofficetoexplainitwasapreventivevisit.Stillhittingaroadblockatthemedicalbillingoffice?Contactyourinsurer.Yourhealthplanmayalsobeabletostepinonyourbehalftogetapaymentissueresolved.Ifcovereisdenied,youcanalsofileanappealwithyourhealthplan.PrivacyPolicy 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