Posts Tagged ‘deductible’

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?

Health Insurance 101 – Video Tutorials, Brought To You By Humana

Author: Kelley Filice Jensen

Sponsored by Humana, these short videos provide concise answers to common health insurance questions received by health insurance providers, health insurance agents and health insurance brokers.  Learn more, make sure you can answer these questions about your health insurance needs.

Can You Change Your Health Plan Anytime You Want? – Video Link

How Can You Get The Most Out Of Your Health Insurance? - Video Link

How Did Healthcare Come About in the United States? - Video Link

How Do Deductibles and Copays Work? - Video Link

HEALTH INSURANCE 101 – Common Insurance Terms

Author: Kelley Filice Jensen

Most things have a language all their own, and when you know the language, everything becomes shockingly less confusing.  Here is a partial list of common terms used when discussing individual health insurance plans and group health insurance plans.  Learn more by watching health insurance informational videos sponsored by Humana.    And, make sure you can answer these questions about your health insurance needs.

CARRIER – An insurance company that provides a health plan.  Examples would be Blue Cross, Aetna, Health Net or several others.  A carrier could also be a Health Maintenance Organization (or HMO) which may not technically be an insurance company, but HMO’s are also carriers that provide health plans.  See More Carriers, and get quotes now.

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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