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Don't Leave Yourself In The Dark, Find Health Care Tips!




Everyone needs health insurance. Unfortunately, not everyone can afford health insurance, and still have money left over to afford to function in society. Even if you can afford health insurance, maybe you find it confusing. All of the options you can get with your policy, can be more than a little daunting. Here are some tips to help you find a worthwhile health insurance plan.

Health insurance can be expensive if you have to pay for it yourself and don't have an employer who offers a group policy. Short term medical insurance can cover you for six months to a year, while you find something else that works for you. It will protect you in the event of a major illness or injury and is often very affordable.

If monthly costs for health insurance are a concern, look a higher deductible plan. This option allows for you to handle smaller out of pocket costs as needed and the need for a deductible is only necessary when a more catastrophic event occurs. The minor incidents are easier to budget and allow you to save monthly dollars for your day to day life.

Let your medical insurance company know that you are traveling. Some companies will not provide any coverage to you or your family in a foreign country unless you purchase extra coverage. You may not end up needing it, but it is always better to be safe than sorry when you are traveling.

Sign up for a flexible spending account. If you are paying for your own health insurance costs, consider the move to an HSA. An HSA is a Health Savings Account that you can contribute towards, tax free, and then withdraw the money, also tax free, for any medical costs you face.

If you do not have perfect health, make sure to shop around with different insurance companies. Agencies all have different standards that they use for their different risk levels. Some allow higher cholesterol rates or higher BMI's in their policies. If you fall on the borderline, it's worth your time to research who will give you the best deals at your current levels.

Your employer may offer you a health insurance plan but it may not be the plan that is going to be the best one for you and click here your family. Be sure to check the limitations of the plans before enrolling for it. Just because your employer has selected this policy to offer does not mean that it is best for you.

If you need more health insurance, do not take out a second policy. Instead, add a "rider" to your current policy. This is usually far less expensive. Only in some instances, is it more cost efficient to take out a second policy. If the person is in excellent health, you may want to shop around.

Ask for a free trial. As with most things in life, your insurance plan may come with a free trial period. If this is offered, take advantage of it. Normally. this doesn't mean that you get a free month, rather that you pay for a month and if you aren't satisfied you can get a refund. Make sure you follow the guidelines though, such as needing to ask for the refund in writing.

You need to get health insurance so that you are protected, in case anything happens. If you do not have health insurance and break an arm, you will have to pay for the medical bills, out of pocket. A visit to the emergency room can cost over $10,000. Most people cannot afford such a hefty bill and end up in extreme financial straits because they did not have health insurance.

If your spouse has a health insurance possibility through an employer, you may have to pay a surcharge to add your wife or husband on your plan. Sometimes, it is less expensive for you and your spouse to have individual insurance through your own employers. Do the math on both scenarios to be sure.

Health Savings Accounts (HSAs) are a great idea for someone who rarely visits the doctor. This allows a person to save money pre-tax in an account to be used for medical expenses later. The premium savings from a high deductible can go into the account, for example.

As previously stated in this article, health insurance is very confusing. If you are in the position to purchase your own, take some time to follow the tips you have just read. The more knowledge you have about health insurance in general, combined with knowing your own needs, the easier it will be to choose the right policy.

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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