How to Find Out if Your Doctor is “In Network”

Are you switching health insurance plans? If so, one of the first things you will want to check is which physicians are “in network.” This is especially important if you have a particular physician or specialist that you see would prefer to continue with him or her rather than switching to a new doctor.

Insurance plans often have preferred doctors and may refer to that list of physicians as in network. There may be a separate list of physicians that are out of network. Some health plans may refer to these levels with different terminology like Tier 1 and Tier 2. Whatever language is used, it’s important to pay attention to these lists, because the difference could impact your wallet.

In network or preferred doctors are those that have accepted arrangements with your particular health insurance to be reimbursed for payment. These doctors generally have low, or sometimes no, copay and usually all or most of the work by that physician will be covered by your insurance.

Out-of-network doctors do not have these same benefits. Be sure to carefully read what is covered for visits with out-of-network physicians. These visits may have higher copays, higher deductibles, and you may receive a bill for some or all of the costs. For example, a visit to an in-network primary care physician may have a $15 copay and the rest of the visit cost may be fully covered by insurance, meaning you don’t have to pay anything further. The same visit to an out-of-network primary care physician may have a $30 copay, and the insurance plan may only cover 80% of the cost of the visit, meaning you will get a bill for the other 20%. Out-of-network costs can really add up over time.

So, how do you know if your favored doctor is in network? There are several ways you can find out. A good place to start is the health plan’s website. Most health plans have a “find a doctor” search tool. Search for your doctor there and see if they show up as in network (or preferred or Tier 1) or out of network.

You can also call your doctor’s office directly and ask if your doctor participates in the health plan. They will be able to tell you if the doctor and facility are fully or partially covered.

Once you have your answer, you’ll be able to make a decision about which insurance plan is right for you.

 

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How You Can Change Your Diet to Improve PCOS

Polycystic ovarian syndrome, more commonly known as PCOS, affects almost 5 million women in the United States alone. And sadly, many of these women are left undiagnosed. Today, we’re going to discuss the signs of PCOS and dietary changes you can make to lessen your symptoms.

Signs of PCOS
Weight gain or obesity
Typically, women with PCOS are overweight or even obese. And often times they hold their weight around the waistline.
Excessive body hair
It’s not abnormal for women to have body hair. What is more important is to pay attention to the location, as well as the color and thickness of it. Women with PCOS tend to have thick, coarse body hair on their face (typically the upper lip and jaw line), chest and back.
Oily and acne prone skin
Due to the increased hormone levels, women with PCOS often times have oily and acne prone skin.
Irregular menstrual cycles and infertility
PCOS is a result of increased hormones, typically the predominantly male hormone testosterone. One of the early signs of PCOS is missed or irregular periods. PCOS can also cause ovarian cysts and infertility if left untreated.
In order to help improve your PCOS it’s important to get to the root of the cause. Changing your diet can be a huge factor.
Avoid inflammatory foods
Foods that cause inflammation, namely wheat and dairy, can wreck havoc on anyone’s body, let alone those with PCOS. Try including anti-inflammatory foods, such as turmeric, blueberries, ginger and beets.
Be sure you’re getting enough iodine
Iodine is a naturally occuring trace mineral in the human body. It is essential for creating thyroid hormones. Iodine can also help prevent or reduce ovarian cysts, which are common with PCOS. To be sure you’re getting enough iodine you can try adding seaweeds to your diet. If that’s not up your alley, try eating some navy beans or taking a liquid iodine supplement.
Remove all processed food and refined sugars
Women with PCOS are predisposed to developing diabetes. Therefore, it is important to keep your blood sugar levels in check. Most boxed or processed foods are high in sugar. Try sticking to healthy, home cooked meals instead of those found in a box.
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4 Ways to Lessen the Impact of Atrial Fibrillation

Did you know that over 6 million people suffer from atrial fibrillation in the United States alone? Atrial fibrillation, or A-fib, is an irregular, sometimes rapid, heart beat. Due to this A-fib can cause poor blood flow, lack of energy, fatigue, shortness of breath and heart palpation. Today, we’re going to discuss things you can do to strengthen your heart and improve A-fib.

Eat heart smart
Oily foods, such as fish, walnuts and avocados are full of heart healthy omega 3s. Also, blueberries and raspberries are high in antioxidants, which are heart smart.

Avoid excess salt
If you’re using regular table salt you want to be sure to avoid it in high quantities. Too much salt can cause high cholesterol and impact A-fib. If you like salt, try switching to pink Himalayan salt. It’s delicious and is full of trace minerals.

Hit the pavement
You don’t need to run to get the cardiovascular benefits of exercise. Brisk walking and weight lifting (even if the weights are light) can still get your heart pumping and help to strengthen it. Aim for at least 30 minutes of activity at least five days a week.

Avoid caffeine
Unfortunately that morning cup of joe could be worsening your atrial fibrillation. Caffeine increases your heart rate which can trigger A-fib.

To learn more about the benefits of reducing sugar intake and how supplements can help improve your diet and nutrition, pick up the Women’s Mind Body Wellness Summit. Cardiologist Joan Crawford discusses everything you need to know about heart health.The Summit contains 6 interviews from top female health professionals plus three bonus videos from MyHealthSpin Founder Lori-Ann Rickard, as well as two bonus workout videos. Use promo code “BEWELL” to recieve 50% off!