A lot of healthcare is focused on community. Communities working together to be healthier and decrease disease. This week (August 13-19) is National Health Center Week. This week aims to celebrate how health centers work to create healthier communities. Did you know, according to healthcarecenterweek.org one in every fifteen-people living in the United States depends on health center services. Or that health Centers deliver high quality, cost effective, accessible care while serving as critical economic engines helping to power local economies. Today, we’re going to discuss how health centers can benefit you and your community.
They provide health screenings
Simple things like your child’s yearly physical or blood pressure screening can be done at a health center. You can even get your teeth checked at a health center. It’s quick and easy, and often times they don’t require appointments.
They provide education
At health centers, they do more than provide health care. They teach you things about health. How to eat well, how to keep your heart healthy and ways so stay active.
They help translate
Often times those who benefit most from health centers are people who have immigrated to the United States, and English may not be their first language. The doctors aim to ensure their patients understand every aspect of their care.
They serve the people who need it most
Typically, health centers are placed in areas located in Medically Unserved Areas (MUAs). These are areas that don’t have easy access to hospitals, physicians or quality healthcare.
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Health insurance is expensive, and if you’re lucky you’ll hardly ever need to use it. But regardless of your mental and physical health, it’s important that you have good coverage in case of an emergency. And whether you get your insurance through your employer or the Health Insurance Marketplace, you should always use your insurance to its fullest ability. Today, we’re sharing how to ensure you get the most out of your insurance.
Choose a policy that matches your needs
If you have a chronic health condition it may be in your best interest to choose a policy with a low deductible. This will lower the amount of money you spend before your insurance starts to kick in. It also may be in your best interest to choose a plan with a low out of pocket max. An out of pocket max is a specific amount of money that you must meet and then your insurance will pay at 100%. Therefore, if you spend a lot of time at the doctors, having a policy with a low deductible and out of pocket max would meet your needs. Also, if you see a specialist, such as a chiropractor, on a regular basis, be sure that your policy has chiropractic coverage. This is not a benefit on many plans so be careful.
Make sure your doctors take your insurance
If you have a particular doctor or doctors that you like to see make sure they take your insurance. This may help narrow down between two companies. If you’re switching insurances give your doctors office a call and see if they accept any of the policies you’re considering. Also find out if you will need a referral from your primary care physician (PCP) to see any specialists you see.
See if they pay for your gym membership
Insurance companies see the value in keeping their clients healthy. Now a days, it’s common for your insurance to cover all, if not most, of your monthly gym membership.
See what other benefits they provide
Some companies provide coverage for things such as acupuncture and massage, or even other forms of physical therapy such as Pilates and yoga. Prevention is key to leading a healthy lifestyle so you should check and see if any of these services are covered to stay healthy!
You can’t get the most out of your insurance if you don’t use it! Make sure you schedule your yearly Pap test with your PCP. Get in to the dentist twice a year, get your eyes checked, and if you’re over the age of 50 schedule yourself a colonoscopy. These services should be at least partially covered by your insurance, so why not take advantage of them?
To learn more about choosing your insurance pick up my workbook Easy Healthcare: Choose Your Insurance or any of my three healthcare sets.
When you’re being rushed in to the emergency room after an accident, one of the furthest things from your mind is asking that doctor if they take your insurance. However, in reality, this is one of the first questions you should ask. Most people don’t realize that they can be out of network with the doctors who are saving their lives, or even worse, the hospital in which their life was saved.
Unfortunately, you can’t assume that the physician who is caring for you is in your network. If you’ve ever spent an extended amount of time in the hospital, you know that many different doctors pop in and out of your room all day long. So it’s up to you to ask if they take your insurance; if not, be prepared to pay.
States such as California are making sure patients no longer get bills from out-of-network doctors. As of last month patients will be able to rest easy knowing that if their insurance is in network with the hospital they are in, they will not be treated by any out-of-network doctors. This law is designed to help the patient. So many people are getting hit with out-of-network doctors’ bills, and with the price of insurance already being extremely high, it’s important that we do everything we can to keep costs down.
What do you think about this law? Have you ever had this happen to you? Do they do this in in your state?
To learn more about choosing your insurance pick up my workbook Easy Healthcare: Choose your insurance.