Tag Archives: advice

Posted on

Can Patients Still Have High Deductible Health Plans?

Health insuranceSurprisingly the answer is “yes.”  Due to a loophole in ObamaCare, high deductible plans are still allowed when an employer  also offers one health plan to its employees that meets the Affordable Care Act’s requirements.

For patients, this means that it is more important than ever to check to see what your coverage is before assuming that a health insurance will cover all costs.

Many companies are providing its employees with “fixed indemnity” plans which will cover certain services like a doctor’s visit for a set price but will have limits on the amount of visits per year.  Thus, many necessary services will not be covered or the patient will max out of coverage before the necessary services are provided.

Starting in 2015, employers with over 50 employees must provider health plans that meet the basic requirements of the Affordable Care Act or face penalties.  Many employers are planning on offering 2 plans – one that meets the basic requirements and one that does not.  Article

Patients should make sure to:

  1. Check their insurance prior to receiving care.
  2. Educate themselves about ObamaCare.
  3. Become aware of any changes their insurance and relay this to their healthcare practitioner. Communication is “key.”
  4. If you have questions your healthcare provider can’t answer, call your insurance company, employer or 1-800-318-2596 for questions about healthcare.gov

 ♦◊♦

All of this information and more will be explained in MyHealthSpin’s soon-to-be-released book, Easy Healthcare:  Choose Your Health Insurance.  For more information,  go to myhealthspin.com.

HS_Choose Your Health Ins_300

Posted on

Medical Life List: Part 2 VIDEO

We’ve talked about your Medical Life List and how that is a very important piece of all your medical healthcare information. You want to make sure you have that list with you at all times. You might also want to have a list for other members of your family or if you are caring for another person, like a senior. In this video, Lori-Ann talks about the reasons why we want to keep this information with us at all time.

 ♦◊♦

Although we’d all like to avoid it, it’s likely that most of us will at some point be admitted to the hospital. Whether you are staying in a hospital for a happy event, such as the birth of a child, or are being admitted due to an emergency or serious illness, you should understand how a hospital works. MyHealthSpin’s Easy Healthcare: Your Hospital Stay reveals the easy and practical answers that only an insider knows.

HS_Your Hospital Stay_300

Available for download NOW!

Posted on

Choosing An Assisted Living: Part 2 VIDEO

As parents and loved ones age, we want them to live their lives as independently as possible for as long as possible. But there may come a time when things change, when the need for care becomes greater than the desire to live independently. What do you do then? How do you make the right decision without being overwhelmed? How do you even begin talking about it? In this video, Lori-Ann Rickard talks about the importance of making sure your loved one is included in the decision process of choosing an assisted living and some key factors to consider.

♦◊♦

How do you make the right decision about moving yourself or a loved one into an Assisted Living Facility without being overwhelmed? How do you even begin talking about it? MyHealthSpin’s “Easy Healthcare: Choosing an Assisted Living Facility” ebook guide gives you all of the practical advice you need to make the right choice.

assisted_small

Available for download NOW!