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Coronavirus FAQ

Coronavirus (COVID-19) Out of Pocket Expenses for Coronavirus Testing and Consumer FAQs

Blog, Consumer Awareness, Health Care Education /

The Coronavirus has obviously changed all of us and continues to have us navigating daily life in different directions. In addition, there is so much information out there including how to sanitize, cure cabin fever, and age groups most impacted by Coronavirus.  One of the key questions is how to get tested and what are […]

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Impacts if ACA repealed

Affordable Care Act Repealed – What it Could Mean to You

Blog, Consumer Awareness, Health Care Education, Health Care Reform /

It is an election year with lots of ideas being tossed around for how to reform our health care system.  One of the ideas is to repeal the Affordable Care Act (ACA a.k.a. Obamacare) and start new.  I preface this post with I am here to present the facts with a non-partisan approach. My end goal is to provide the

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Price Transparency and Payment Options

Blog, Health Care Costs, Health Care Education /

Understanding your out-of-pocket costs is key when making health care decisions. High Deductible Health Plans (HDHP) continue to rise in terms of the top health care plans purchased.  Reference: Kaiser Family Foundation: 2019 HDHO Benefits Survey For HDHP plans 2020 minimum deductibles are $1400 for individual and $2800 for families.  Maximum deductibles $6900 for individuals and $13,800 for

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Telehealth versus Telemedicine – How it works

Blog, Health Care Education /

Po-tay-toe or Po-tah-toe, is there a difference? How about if you are talking about telemedicine or Telehealth? Let’s start by clearing up any ambiguity on the terms. Telemedicine – used to refer to traditional clinical diagnosis and monitoring through technology. Telehealth – is more commonly used today.  It describes a broader range of diagnosis options,

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Surgery – Why Did I Get a Bill for Authorized Services?

Blog, Health Care Costs, Health Care Education /

What happened? Mary was going in for bariatric surgery. She confirmed all details with her health insurance provider, including the authorization for services. On the day of surgery, Mary checked in at the in-network hospital. Approximately fifteen minutes before being taken to the Operating Room (OR), she met her anesthesiologist, who explained the process for

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Concierge Medicine

What is Concierge Medicine

Blog, Health Care Costs, Health Care Education /

There are many changes in health care, and physicians are making choices regarding their practice. Some key issues physicians face are managing a practice day to day operations in the ever-changing health care environment. They are also managing contracts and payments with insurance companies. Many physician groups are choosing alternative options like concierge medicine and

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Health Care Enrollment 2020: Understanding Preventative Benefits

Health Care Costs, Health Care Education /

Preventative healthcare or preventive medicine is about being proactive in taking advantage of your preventative benefits that were mandated under the Accountable Care Act (ACA). This allows for disease prevention and instead of disease treatment. Most health care plans per the Accountable Care Act (ACA) offer preventative screens at no charge, as long as you are

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Health Care Open Enrollment

Health Care Enrollment 2020 POS, EPO, ​and HDHP Plans

Health Care Costs, Health Care Education, Open Enrollment /

As you prepare for open enrollment, which starts November 1st thru December 15th for individual and family plans. It’s essential to understand the differences between plans. Differences between an HMO and PPOwas recently covered in a post. The purpose of this article is to provide an overview of the POS, EPO, and HDHP plans. Point of

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Health Care Out of Pocket Expenses

Health Care Enrollment 2020 Out of Pocket Costs

Health Care Costs, Health Care Education, Open Enrollment /

Understanding all the health care acronyms, plans, and associated costs can be overwhelming. As you are considering purchasing your plan for 2020, be sure consider the out of pocket costs, copays, deductibles, and coinsurance. These can significantly impact your decision making and outcome to your budget and health care options. Premium A premium is your

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