Posts Tagged ‘copay’

In-Network, Out-Of-Network, and Preferred Providers – Read This Before Buying a Health Plan

Kelley-Jensen2In-Network, Out-Of-Network, and Preferred Providers – Read This Before Buying a Health Plan:  One of the benefits of a health plan is decreased rates for services with certain doctors and health care providers.  The terms for these relationships are:

Preferred Provider Organization  – Insurance carriers establish a list of contracted health care providers that have agreed to a discounted fee schedule for their health plan members.  This PPO list is referred to as a provider directory of participating doctors and health care providers.

Health Care Reform – Women’s Preventive Care

Author: Kelley Filice Jensen

The Patient Protection and Affordable Care Act (PPACA), otherwise known as Health Care Reform, otherwise known as Obamacare, requires health plans to cover certain preventive care services for women without any cost sharing.   Thus, there are certain services provided by your doctor that you do not have to pay for if you have a health insurance plan, even if you have a copay’s, deductibles, or coinsurance.

When Does This Take Effect?

The additional preventive care guidelines for women take effect for plan years beginning on or after Aug. 1, 2012. If your plan operates on a calendar year basis, the new rules will be effective on Jan. 1, 2013.

Shopping for Health Insurance, 10 Questions You Need to Answer – Update

Author: Kelley Filice Jensen

Obamacare, affordable care act, health insurance reform, Supreme Court, individual mandates, health care exchanges:  health care sure has been in the news, and it can be very confusing!  But, whether you have health insurance through your work or not, all this talk about health insurance begs the question:  what type of health insurance do I need?  Where to start?  What are my options?  Here are 10 questions you need to answer when shopping for health insurance or reviewing your health insurance coverage:

1)    Relationship status:  single, married, family?  Has your status changed?  Are you going through a divorce?

How to Prevent Medication Errors

From the period December 1, 2011 until February 20, 2012, a CVS pharmacy in New Jersey mistakenly gave children prescription medication for breast cancer instead of the correct fluoride medication, as prescribed by their doctor.  That is no laughing matter, and not necessarily an isolated incident.   At least one death occurs every day and 1.3 million people are injured annually due to medication errors in the United States, according to the FDA.  Learn some easy, practical ways to prevent errors for yourself and loved ones.  And, also get some tips for saving money on prescription medication.

Tips for Saving Money on Prescription Drugs

It used to be fun to go to the drug store to have a prescription filled.  While waiting for the pharmacist to fill the prescription, you could browse the aisles of the store and pick up all sorts of things:  a treat for the kids, a get well card for your aunt, gum for your car, new lip balm….the possibilities were endless.  Now, the magic is gone because when the pharmacist rings up your prescription, the staggering cost leaves no extra money for extra dental floss, magazines or an extra set of nail clippers.  Here are some tips to save money on those prescription drugs sometimes as much as 90%!

Shopping for Health Insurance, 10 Questions You Need to Answer

This is open enrollment time, when Americans that have health insurance through their work can review their health insurance coverage. And if you do not have health insurance, all of the advertisements about open enrollment may motivate you to consider getting a health insurance plan. Where to start? What do you need? What are your options? Here are 10 questions you need to answer when shopping for health insurance or reviewing your health insurance coverage.

1) Relationship status: single, married, family? Has your status changed? Are you going through a divorce?

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