What Are Health Insurance Co-Payments And Waiting Periods?
It's hard to find good help these days, but one way to get the very best people to work for you is to offer them a good health insurance plan. In today's economy, it's hard enough to make ends meet, even with a good paycheck. The cost of health insurance is prohibitive to most people; however, as an employer, you can take advantage of reduced rates by purchasing a group health insurance plan for your employees. This is a perk that will help you attract and keep good workers.
If you do not currently have health insurance for yourself or any member of your family, you may want to check with your local or state human services office. They may be able to provide you with access to low cost insurance or medical care in the event your are sick or injured.
If your looking into personal health insurance some companies will let you take a "free look" or a "test drive" of the coverage. What this means is that you would have a certain amount of time to actually try out the insurance that way you will fully understand the coverage. Within that certain period of time if you are not satisfied you can get a full refund.
If you and your partner have been riding on a single health insurance policy and one of you is nearing retirement, sit down and have an open discussion about how that transition will occur. Coverages will change for the retired person and several alternatives are available. They can continue for a while through COBRA and afterwards, they can apply for a standalone policy if the premiums are not prohibitively high, but the important thing is to walk into those decisions proactively.
If you engage in dangerous hobbies or if your profession carries a level of risk, you may want to consider a change or be ready to pay more for your insurance. If your idea of a fun weekend is jumping out of planes, you'll be paying more for your insurance policy than someone with two feet on the ground.
Being aware of laws applicable to health insurers, is vital to protecting yourself and your coverage. Most of the time, an insurance company cannot cancel coverage or deny payment because of a clerical error on your part, including during the application process. Unfortunately, paperwork and red-tape are part of the health insurance process, but knowing your rights up front, enables you to plow through it with greater confidence.
Make sure that you read the fine print before singing a contract for medical insurance. Otherwise, you may end up agreeing to terms that you do not like. If there are words in the contract that you do not understand, ask a family member or friend to help you or look it up on the internet.
When and if you get a follow up call from the insurance company keep your answers simple and to the point. Don't give any additional information unless asked. You aren't protected by privacy rights with the follow up call and your call may be more info recorded, so think before you speak.
Understand copays and deductibles. Look at your plan carefully, and make sure you understand exactly what is covered, and what you are responsible for. The last thing you want is a health insurance plan that doesn't cover what you need. Take into account how much you will have to pay for each doctor's visit and what your initial deductible is before insurance kicks in.
Make a point to factor in your favorite doctors before you commit to a health insurance policy. Many people have a regular doctor that they prefer. When choosing a health insurance plan, do not forget to check and make sure that they are covered by it. A quick check could save you a lot of hassle later on.
Read your health insurance policy carefully before you go out and buy glasses or get your teeth fixed. Most healthcare insurers offer dental as a separate policy, and many do not offer vision insurance at all. Better to know up front whether your vision care is covered than to be greeted with a bill from the eye doctor and not be able to pay it.
One obvious way to save money on health insurance is to dial your deductible up or down to meet your needs. For example, if you are healthy and have no dependents, you may prefer a high-deductible plan with lower premiums. Families and/or people who need more regular health care may prefer a lower-deductible plan since their annual health care costs will be higher.
As was stated earlier in the article, health insurance helps everyone. It can be confusing to learn all about the things related to health insurance. The best way to know about it is to research about the subject. Use this article's tips, and you'll find the proper health insurance for you.
As Covid-19 hospitalizations spike, some overwhelmed hospitals are rationing care
(CNN)Once again, Americans who don't even have coronavirus are suffering the consequences of Covid-19 patients filling up hospitals.
More than 101,000 people are currently hospitalized with Covid-19, according to data Thursday from the US Department of Health and Human Services.
Now, some patients wanting urgent care won't get it because so many beds are occupied by Covid-19 patients.
"Before Covid, our ICUs were pretty busy. It's because people were having car accidents and heart attacks and needing complicated surgery and going to the ICU afterward," said Dr. Amy Compton-Phillips, chief clinical officer of Providence Health System in Seattle.
An average Covid-19 hospitalization costs Medicare about 150 times more than vaccinating a beneficiary
An average Covid-19 hospitalization costs Medicare about 150 times more than vaccinating a beneficiary
"And those people are being put on the back burner. So anything that's even remotely elective, we're canceling those cases."
In Idaho, the Department of Health and Welfare activated its Crisis Standards of Care in the northern part of the state Tuesday due to "a massive increase in patients with Covid-19 who require hospitalization."
Crisis Standards of Care are "a last resort" that's only activated when "we have exhausted our resources to the point that our health care systems are unable to provide the treatment and care we expect," health department director Dave Jeppesen said.
Gov. Brad Little pleaded for eligible Idahoans to get vaccinated.
"We have reached an unprecedented and unwanted point in the history of our state," the governor said.
In Arkansas, only 23 ICU beds are available, Gov. Asa Hutchinson said Wednesday.
He noted 91.5% of hospitalized Covid-19 patients and 90% of Covid-19 deaths are among people who did not get fully vaccinated.
https://edition.cnn.com/2021/09/09/health/us-coronavirus-thursday/index.html
https://docs.google.com/presentation/d/1epF3asROLV-VbQsc3q4D-KoTPNFSY6wW-ygZRY4xrAo/edit#slide=id.gb305dd1d5e_0_6