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Check This Out If Your Are Worried About Buying Health Insurance




Most bankruptcy is caused by overwhelming medical debt. There is a sad reason for this statistic, health insurance is costly and can be hard to obtain or understand. If you have a better understanding of it and some good advice though, you can win the war on your health insurance policy. Consider the following.

If your looking into personal health insurance some companies will let you take a "free look" or a "test drive" of the coverage. What this means is that you would have a certain amount of time to actually try out the insurance that way you will fully understand the coverage. Within that certain period of time if you are not satisfied you can get a full refund.

To save money on health insurance, one strategy is to pool your resources with a group of people. Doing so lets employers offer cheaper insurance to their employees. If you're on your own, you may be able to take advantage of these savings by forming your own group or joining an existing one.

If you find that the health insurance your employer offers is too expensive or otherwise unacceptable, one thing to check is the insurance from your spouse's employer. You might find that coverage for two on one policy is more advantageous than each of you being covered separately. Policies vary widely, so be sure to check coverage as well as the cost.

Never pay cash for a health insurance payment. You want to have explicit records of your payment methods, so that should the issue ever arise, you have proof that you have been keeping your payments regular. Paying with a check is the best method, since the bank can tell you who cashed the check, and when.

You can save money on health insurance, try dropping coverage from comprehensive coverage to catastrophic and stay healthy! Comprehensive coverage will give you prescriptions and doctors visits, but catastrophic will cover more expensive medical bills from hospital stays or emergency room visits.

Get health insurance through a group. Whether it be an employee group, a union association, or other organization that works with certain categories of people, check to see if they have health insurance. Many groups offer discounted health insurance policies if you sign up for it as a group member, so join up!

Stay read more in your health care network, or be prepared for frustration. Health insurance companies sometimes provide strict limits on which doctors you can see and when. If you go outside of their network, to a doctor they do not have listed, they may refuse to pay for it. If they will pay for it, it may be a fiasco to get them to.

When you get married, you should add your spouse to your health insurance right away. There are some companies that will not cover your spouse without you adding them to your policy. It does not take a lot of time and you can often add them to your policy over the phone. Although, you may have to provide proof of your marriage.

Buying any kind of insurance, including health insurance, is all a numbers game. You want to balance the coverage you have very carefully. If you pay too much than you are losing money monthly, however if you pay too little you will be under covered when you need it most. Analyze both sides very carefully.

You need to periodically review the health care coverages of your employer, especially if your company has changed health insurers over the years. Often, coverages will have changed in a way that will come as a nasty surprise if you aren't aware of them. When the company changes, read the full description of plan benefits carefully.

When selecting a health insurance plan you should always cost out the different plans available to you. The plan with the cheapest premium payments will not always end up being the cheapest in the long run. The plan's details about what is and is not covered, what is considered in-network and out-of-network treatment, and its deductible costs will determine how much money you will end up spending long-term.

As previously stated, knowledge is the key to making good decisions when buying health insurance. Take your time, and don't rush into anything until you're sure. If you follow the tips and tricks in this article then you will have the information and strategies that you need to buy insurance with confidence.


The Real Costs of Seeking Care for COVID-19 Vary Across and Within Major U.S. Cities
Castlight Health's COVID-19 Cost Analysis Finds Outpatient Evaluation Costs Vary Widely Depending on Severity of Symptoms, Geography, and Provider Type


"While the test for COVID-19 may be made available at no cost, individuals seeking care for suspected COVID-19 may be faced with other significant out-of-pocket costs for that care. Sadly, those bills may be coming right as many Americans are losing their paychecks, creating real affordability of care issues," said Maeve O'Meara, CEO of Castlight Health. "Costs vary widely across cities in the U.S., within cities, and depending on the site of care. During this public health emergency, it is more important than ever that people have the tools they need to find high quality care in a timely and affordable manner."



Although the coronavirus relief measures signed by the President in the Families First Coronavirus Response Act have directed private health plans to waive the cost of the specific coronavirus test and visit associated with it, people who are symptomatic and seek care may be responsible for other costs required for an evaluation for COVID-19. These could include influenza testing, chest x-rays, and bacterial, viral, or blood culture tests. These costs can add up quickly, particularly for the 27.5 million people with no insurance or those who have high-deductible health plans and will pay for services out-of-pocket.



The severity of COVID-19 varies widely, from mild cough and fever, to chest pains and shortness of breath, which can drastically affect the necessary treatment, need for hospitalization, and associated costs.



Most notably, the analysis found that:



Within a given U.S. city, average prices vary greatly for patients exhibiting standard COVID-19 symptoms including fever, cough, and shortness of breath:



In Los Angeles, the cost for a primary care visit and standard lab testing ranges from $304 to $4447—roughly a 14-fold difference.



In Dallas, the cost for the same services ranges from $193 to $4308—a 22-fold difference.



Similarly, in Miami, these services range in cost from $354 to $5729—a 16-fold difference.



Costs also vary widely depending on the provider type or site of care:



Even without symptoms severe enough to warrant further imaging or lab testing, a visit to evaluate respiratory symptoms can cost someone living in the New York metro area an average of $79 for a telehealth visit, $235 for a primary care visit, $352 for an urgent care visit, and $2,321 for an ER visit.



In Miami, patients can expect costs for evaluating symptoms to average $79 for using telehealth as their entry point, $189 for visits through a primary care provider, $483 for visits through an urgent care provider, and $1,524 if they enter the system through the ER.



"During this incredibly stressful pandemic outbreak, it is critical that people have a clear understanding of the care they need, and how much that care is likely to cost," said Dena Bravata, MD, MS, Castlight Advisor and former Senior Scholar at the Stanford Center for Primary Care and Outcomes Research. "Castlight's COVID-19 Cost Analysis sheds light on the vastly different costs patients seeking care associated with COVID-19 will see depending on where they live, and where they choose to receive care."



Methodology



The primary source of data used for this analysis is a subset of 2.5 billion de-identified medical claims for primary care, urgent care, emergency room, lab tests, and x-ray supplemented with:



Provider directory data (e.g., which doctors provide which type of care).



Provider rate sheets.



Publicly available data.



The costs provided are for a member in their deductible phase seeing in-network providers. The ranges provided are for the 5th to the 95th percentile of costs in that metropolitan region.



The components of an evaluation for a patient seeking care associated with COVID-19 depend on their symptom severity and site of care. The procedures and services we included are:



Site of care: telehealth visit, primary care visit, urgent care visit, ER visit.



Care for moderate COVID-19 symptoms: initial cost of a provider visit, influenza test, sputum culture and sensitivity, blood culture and sensitivity, complete blood count, and comprehensive metabolic panel.



Care for severe COVID-19 symptoms: initial cost of a provider visit, all lab tests listed above, and a chest x-ray.



Click here to download the full report.



About Castlight Health



Castlight is on a mission to make it as easy as humanly possible for its users to navigate the healthcare system and live happier, healthier, more productive lives. Our health navigation platform connects hundreds of health vendors, benefits resources, and plan designs into one comprehensive health and wellbeing experience. We guide individuals—based on their unique profile—to the best resources available to them, whether they are healthy, chronically ill, or actively seeking medical care. Castlight transforms the employee benefit experience into a deeply personalized, yet simple, guided one, empowering better-informed patient decisions to unlock better healthcare outcomes and maximizing return on healthcare investments.



For more information visit www.castlighthealth.com. Follow us on Twitter and LinkedIn and Like us on Facebook.

https://edition.cnn.com/business/newsfeeds/prnewswire/202003200600PR_NEWS_USPR_____SF57329.html



https://docs.google.com/presentation/d/1epF3asROLV-VbQsc3q4D-KoTPNFSY6wW-ygZRY4xrAo/edit#slide=id.gb305dd1d5e_0_6



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