Tag Archives: Insurance

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Is Your Health Insurance Cancelled?

Unfortunately, the future of health insurance is very uncertain right now.

Did you know that a group of 13 male, Republican Senators is currently working on a draft bill of the repeal/replace Obamacare behind closed doors?

The group of Senators claimed they are close to having a proposal to take to the floor.

The bill has been drafted behind closed doors, with many senators unaware of any details. Some Democrat Senators have expressed outrage at the closed-door approach to the drafting.

Sen. Lindsey Graham, R – S.C. stated that the bill is being drafted from a one-party perspective because no Democrat is willing to help with the draft. He said that although this is not the ideal approach, it’s the only way they are able to draft the bill.

In 2017, approximately 12.2 million people were enrolled or automatically re-enrolled in a Affordable Care Act Marketplace plan (“Obamacare Exchange.”)

The changes to the healthcare bill will affect millions of people, yet we know very little about the potential changes.

The Senate Committee has stated that they will submit the draft bill to the Congressional Budget Office prior to releasing to the public, for nonpartisan analysis of things such as the cost, and how many people will gain or lose coverage, if enacted.

Once the bill is drafted, there are still many uncertainties.

Many experts have stated that the chances of it passing is very unlikely. No Democrats are expected to vote to repeal Obamacare. Republicans can’t lose more than two votes to pass the bill, and several Republicans have already expressed concerns.

What are your thoughts on the replacement bill for the Affordable Care Act? Would you like there to be more transparency?

Get involved by contacting your representatives to let them know your opinions!

To learn more about health and women’s health check out the Women’s Mind Body Wellness Summit. It contains 6 interviews by top female health professionals plus two workout videos and 3 bonus videos on mind-body wellness with MyHealthSpin Founder Lori-Ann Rickard.

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Sneak Peek: What doesn’t your health insurance cover?

Exciting news!Medically Underinsured

I was recently contacted by the fabulous website Grandparents.com with some questions regarding health insurance and what it doesn’t cover. I have been approached many times with questions about health insurance, as it can be very confusing to navigate.

Did you know that the average age of a grandparent in the United States is 48? Neither did I. Grandparents, along with many other people, struggle with finding healthcare coverage for themselves and their loved ones.

We shared a lot of interesting information with Grandparents.com. Here is a glimpse at only a few of the many interesting facts we discussed:

  • Insurance is essential. Make sure to research and compare insurance policies before selecting a plan. Consider if the plan covers your prescriptions, physicians, and services you need or may utilize in the future. Make sure to use your medical life list when evaluating options.
  • If your insurance tells you that alternative therapies, such as massage or acupuncture, are covered services, make sure to find out what is required for them to be covered, how many visits are covered, and what health care providers you can see. Unforeseen costs can be burdensome, so make sure you know before you go!
  • A good rule of thumb to determine whether a service is covered by insurance is to ask yourself whether or not the service is a medical necessity? This can be tricky, but usually insurance companies say services such as travel vaccinations or massages are not a medical necessity, and therefore are not covered.
  • If you are receiving high out-of-pocket costs for services that are not covered, look for a plan that better suits your needs. If that’s not feasible, talk to your doctors and ask if they will put you on a payment plan or offer discounts for paying in cash.

For more information, check out the article today on Grandparents.com and make sure to let us know what you think!

For more healthcare tips for you and your family, check out my workbook for dealing with caring for your children, as well as your aging parents: Life in the Sandwich Generation. Life in the Sandwich Generation is a workbook filled with information, tips and tricks for managing the demands needing to care for your aging parents, as well as taking care of your children. It details how you can involve your children in the process and how to learn more about your parents health and finances, while still making time for yourself and your spouse. You can find it here for only $10!

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My Insurance Doesn’t Include Dental. Now What?

 

woman at dentist have teeth examinedWe had another successful webinar yesterday. I can’t believe it was our third one! I’m getting into a rhythm and having fun sharing healthcare tips with you in this way. I hope you are enjoying it, too.

Yesterday I had the opportunity to answer your questions. Thank you so much to those of you who sent your questions in. There were some great ones!

One of the questions I received was “What if my medical insurance doesn’t include dental?”

This is the case sometimes. Often dental insurance is provided separately from medical insurance, possibly through a different provider altogether.

First, check with your employer to make sure. Maybe dental coverage is available to you and you didn’t realize it or didn’t fill out the paperwork for it when you were hired. If it is an option, go ahead and sign up.

If your employer doesn’t offer dental insurance, look for a stand-alone dental plan. You can find these from a variety of providers.

Before you sign up, though, consider your dental care needs.

Are your teeth generally in good shape? Is your primary reason for visiting the dentist to get your routine cleaning? If so, compare the costs of the dental insurance to the costs of a dental visit if you were to pay fully out-of-pocket. You may find that dental insurance isn’t worth the cost if all you plan to use it for are twice-per-year cleanings.

If you tend to have more dental needs–like a history of cavities, root canals, crowns, and so on–then you’ll probably want to invest in a dental insurance plan that will help offset some of this pricier work.

Thank you to one of our readers for submitting that great question.