Living Without Health Insurance Is Not A Good Idea
Although health insurance may seem complicated now, it'll be far less confusing once you understand all the plans, benefits and costs you have to choose from. You can use the practical tips in this article to cut through the confusion, and stop worrying about your health insurance needs, starting today.
If monthly costs for health insurance are a concern, look a higher deductible plan. This option allows for you to handle smaller out of pocket costs as needed and the need for a deductible is only necessary when a more catastrophic event occurs. The minor incidents are easier to budget and allow you to save monthly dollars for your day to day life.
When you have decided on purchasing personal health insurance, you should get a copy of exactly what the plan will look like before you make the final purchase. Make sure that you read all of the fine print, exceptions and clauses, so that you will know what exactly you're getting and what coverage you may end up being denied.
Always remember to seek new coverage before your current policy expires. You do not want to be in a rush when looking for new health insurance, which you may be if you allow your current policy to lapse. Start searching about a month beforehand, to give yourself plenty of time to make a decision.
Dental insurance can really help cut the cost on dental repairs. Your teeth are a very important part of your health, but a costly one for most people. Having dental insurance will help to cut the total cost of all your dental work so you can afford to have a healthy mouth.
Learn the differences between HMO's, PPO's, and POS plans and determine what will be the best fit for your health needs. They all have benefits and negatives that will affect the way you pay for and use your insurance. HMO's require provide less flexibility but higher cost, PPO's give you more options however the fees can be walk in clinic near me pricey. A POS plan combines aspects of both HMO's and PPO's.
Do your research about what was contained in the newly passed healthcare legislation before you purchase a policy. Insurance companies are doing whatever they can to get out of this, and they may stick it to you as a customer if you purchase your policy without knowing. Do your homework before committing.
With a good group health insurance plan in place, you will surely have happy and well-motivated employees. Even though purchasing group health insurance may seem like an extravagant expense, you will surely see excellent returns on your investment when you eliminate the problem of frequent employee turnover and employee dissatisfaction. Additionally, by taking care of your employees, you will be creating a work environment that you and everyone in your office will look forward to being a part of.
HOW BAD IS THE COVID-19 SURGE? HOSPITALS ARE SUGGESTING PATIENTS VISIT URGENT CARE INSTEAD OF THE ED
With hospitalizations for COVID-19 at their highest point since January of this year, according to the Centers for Disease Control and Prevention’s COVID data tracker, some hospital systems are putting out the word that urgent care centers may be the best option for nonemergent complaints. WVU Medicine in West Virginia, for one, went to the local media to announce that patients with complaints like ear or throat pain, abdominal complaints and other similar issues should steer clear of hospitals. Dr. Chris Good, chair of the School of Medicine’s Department of Emergency Medicine, was quoted on WVME Metro News as saying unless patients have “a threat to limb or anything significant like a heart attack, stroke, or some surgical emergency†urgent care is the best place for them to go at this time. West Virginia has more patients in intensive care units across the state than at any other time since such records have been kept. According to the state department of health, 83.3% of patients hospitalized with COVID-19 are unvaccinated.
https://docs.google.com/presentation/d/1epF3asROLV-VbQsc3q4D-KoTPNFSY6wW-ygZRY4xrAo/edit#slide=id.gb305dd1d5e_0_6