Did you know that many preventive health services are covered by most health insurance policies at no cost to you? Waiting until you need to go to the doctor due to illness should be a thing of the past, practicing a healthy lifestyle and visiting the doctor for routine, preventive services is the key to a longer, healthier life.
When you become ill, you have no choice but to pay attention to your health. But, with free preventive services, like immunizations and yearly exams, you can get ahead of something that may have become catastrophic otherwise. Insurance companies want you to stay healthy, and in doing so, it keeps the cost of healthcare down.
Insurance carriers do have some age restrictions on some services, but overall, these preventive services are covered:
• Laboratory tests
• Procedures; i.e., Pap Test, Lung Cancer Screening (between ages 55 and 80), Screening Mammogram
• Examinations and Counseling; i.e., Physical Exam
• Laboratory tests; i.e., Iron Deficiency Anemia Screening, Diabetes Screening
• Breast feeding supplies and support; i.e., Breast Pump
• Examinations and Counseling; i.e., Well-child Visit
• Laboratory tests; i.e., Newborn Metabolic Screening (younger than age 1),
It may be beneficial to think of utilizing preventive services as a personal investment in your health future. In additional to practicing healthy living habits, like exercising and eating a well balanced diet, getting to the doctor on a regular basis will pay large dividends in your overall health as you age.
Source: Select Health
We understand that navigating the insurance maze can be daunting. Insurance companies use terms like, “Copay” and “Out of Pocket” and sometimes their terms can seem like a foreign language. Here are some of the most common terms you may hear and what they mean.
Insurance Premium– This is the cost of your plan, the monthly bill you, or your employer, pays for insurance coverage.
Deductible-This is the amount you pay BEFORE your insurance plan kicks and pays for certain services.
Copay– This is the upfront fee you pay to your doctor for services and office visits. This also applies to some medications.
Coinsurance– This is the amount you pay for services after your deductible has been met.
Total Member Responsibility-The amount that you owe for services AFTER your insurance plan has paid their portion. This can include deductibles, copays and coinsurance.
Out of Pocket Maximum– This the MOST you will be required to pay towards your deductible, copays and coinsurance. When you meet the Out of Pocket Maximum, all eligible charges for medical services are covered at 100% for the rest of the year.
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Many of us make a list of resolutions in the beginning of a new year, fresh starts, new beginnings and all, right? Often, keeping those resolutions or goals can be difficult, as we settle into our old habits and patterns. Here are a few ideas to help keep you motivated.
- Keep them realistic. If you make a goal to lose 50 pounds this year, you may be setting yourself up for failure. Start with a more attainable goal that you can achieve in a relatively short amount of time.
- Start with one goal, and write it down. Having a visible reminder can help you stick to it.
- Make new goals, don’t repeat the same one you failed at in the past. Change it up, change your approach and keep in mind that change is a process.
- Don’t wait until the end of the year, or the last minute. Plan a head and keep moving forward.
- Celebrate all small victories towards your goal. This will help keep you motivated and when results are achieved, no matter how small, you will feel like you are accomplishing something and you will eventually conquer it.