Going Off to College: Parents’ Insurance or ObamaCare?

Health Insurance Safety Healthcare Protection Office Working ConUsually, the best choice is your parent’s health insurance plan.  

First, you are only eligible for ObamaCare Health Exchange insurance if you have no other health insurance options.

Additionally, it is often better to stay on your parent’s insurance because if they have a big group plan at work the cost of maintaining coverage for you is not very expensive. This is especially true if your parents are already covering other members of the family. You should ask your insurance company how much it will cost to maintain coverage for you while you are in college. Your parents’ plan will also often cover more healthcare items and have a lower deductible than many ObamaCare plans.

If your parents do not have a health plan through work, ObamaCare may be a good option. To find out whether you are eligible, log into the ObamaCare website www.healthcare.gov. After answering several questions, you will be able to see your options. Each state has different insurance companies offering plans in that state.

Are you planning on staying on your parents health insurance plan while in college? I’d love to hear from you!

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Has ObamaCare Slowed ER Visits?

Doctor with female patientSurprisingly, no. Most hospitals report that ER visits are on the rise. Three quarters of ER doctors report that since ObamaCare has been in effect the ER is seeing more patients than ever before. This is contrary to the goal of ObamaCare. What happened?

There are a lot of different answers.

  1. People have insurance but there are not enough primary care doctors to see them.
  2. ObamaCare expanded Medicaid and many primary care doctors won’t accept Medicaid due to its low reimbursement.
  3. The newly insured cannot take off work to see a primary care doctor or lack transportation or child care. (Source: USA Today Article)

All of these factors make the ER often the best or only option.

Should you use the ER for your healthcare? Not if you can avoid it.

  1. Call your insurance company and ask for a recommendation to a primary care physician. If you have a Medicaid HMO, a primary care physician will be assigned to you.
  2. Schedule your first appointment when you are not sick. It is important to establish a relationship with your doctor BEFORE you are so sick that you get referred to the ER.
  3. Pick a doctor who has late night or weekend hours if you can’t miss work during the week. Many physicians are now offering more convenient appointment times.
  4. Be proactive and take responsibility for your healthcare. It’s the only way to stay healthy and avoid expensive ER visits.

Have you ever gone to the ER and wished later that you had not? I’d love to hear from you!

MyHealthSpin helps you Spin Your Healthcare Your Way!

Check out how more information on insurance in our new book, Easy Healthcare: Choose Your Health Insurance.

Helpful Healthcare Links: April 30, 2015

KATHMANDU, NEPAL - CIRCA DEC, 2013: Unidentified child and his pOur helpful health care links focus on two hot topics in healthcare this week– An update on the devastating earthquake in Nepal and an what it looks like when a healthcare record is hijacked. Both are worth your time. And, as always, if you ever come across a healthcare story that you think merits more attention, please send it our way!

Inside Nepal’s Next Challenge: Overflowing Hospitals

Hospitals throughout Nepal are flooded with patients, with thousands in need of care for acute injuries after a massive earthquake that the country’s leader said may have killed up to 10,000.

A Day in the Life of a Stolen Healthcare Record

The process of divining the provenance of stolen healthcare records. These records typically are processed or handled by a gauntlet of third party firms, most of which have no direct relationship with the patient or customer ultimately harmed by the breach.

 

P.S.–TODAY is your last day to sign up for the ObamaCare Enrollment Extension!

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