Notes

A Spotlight On Smart Strategies For telehealth

Excellent Health Insurance Tips To Help You Decide


Health insurance is something that can pay for itself over time. Maybe the first few years you don't use your policy, but perhaps you will later on. It never works to take a gamble with your health. Finding the right health insurance for you will always be a tough decision filled with compromises. The article contains some great tips and advice below to apply in your search for the perfect health insurance.

If you do not currently have health insurance for yourself or any member of your family, you may want to check with your local or state human services office. They may be able to provide you with access to low cost insurance or medical care in the event your are sick or injured.

In order to save money on your health insurance plan, pay attention to changes in policy before you renew each year. This can save you from encountering unexpected charges because of a change in benefits. If significant changes have occurred in your plan, it could be more cost effective to switch to a new one.

Long-term care health insurance can help cover the cost of assisted-living facilities for the elderly. It can be expensive or impossible to get if you wait until you need coverage. The time to buy is when you are in your fifties, and it's best to look for a policy that provides protection against future cost hikes.

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.

It is important that you take price into consideration when looking for medical insurance. Although having health insurance is very important, you do not want to end up losing it because you cannot afford the premiums. If a potential insurance company's premiums seem too high, shop around for another one. You can even try to negotiate a lower price with your preferred company.

Buy copies of your own medical records when searching for health insurance. There are facilities available that allow you to purchase valid, legal copies of your own medical records, and having these will allow you to accurately confirm or deny what the insurance company asks of you. It will also let you check for mistakes in your records.

Before signing documents committing yourself to a certain insurance policy, make sure to read the fine print. There may be details to the policy that the insurance provider did not tell you about. These details could cost you a significant amount of money, and prevent you from getting the proper care.

Read your health insurance policy carefully before you go out and buy glasses or get your teeth fixed. Most healthcare insurers offer dental as a separate policy, and many do not offer vision insurance at all. Better to know up front whether your vision care is covered than to be greeted with a bill from the eye doctor and not be able to pay it.

Try to find a health insurer that provides you with an insurance card as opposed to filing claims. Having to pay for additional info can be a stress on your finances and submitting claims is archaic and difficult. It is far easier to use an insurance card which bills the insurer directly.

If a representative from an insurance company asks you a question you do not know the answer to, you should refer them to your medical record. Do not guess an answer or provide an incomplete one. Chances are, your approximate answer will not match what your record says, and you will get in trouble when your insurance company notices it.

When getting ready to change health insurance policies, be aware of your costs when it comes to eye-care, too. This is just as important as other types of medical care. If you wear contacts or glasses, you need to know how much they cost you a year. Also, keep track of the prices you pay for lens cleaners and other related supplies.

If you are self-employed, you can deduct what you pay for health insurance from your taxes. Keep this in mind when you are comparing quotes. You are going to pay money towards you taxes anyway, so why not subscribe to an expensive plan that could benefit you in case of medical problems?

When looking to compare different insurance quotes to find the best price for the best package, you should search around on the Internet to help you find what's best. You may visit the sites of different carriers to get quotes or use websites that are marketplace sites that offer quotes from different companies.

Chronic illness can drive up health insurance costs, so start eating healthy to stave off disease. Unfortunately, insurance is a for-profit business, and most companies conclude that eating poorly is the cause of health conditions later in life like diabetes, heart disease, etc. Some of these diseases require expensive treatments. By eating a vegetarian diet regularly, you can avoid chronic diseases. Insurance companies have begun to see the positive effects. In other words, a balanced vegetarian diet can save more than money - it can save your life.

Make sure you understand what key words in your health insurance policy mean - do you know the difference between your deductible and your out of pocket amount? If not, find out! Do you know which medical services are covered and which are not? If not, find out! You owe it to yourself, and to your wallet!

It is important to shop around and request quotes from numerous health insurance providers before purchasing a policy. Comparing rates is the easiest way to ensure that you are paying the lowest rate available. Even if you currently have insurance, you should compare rates at least once a year to see if additional savings are available.

Hire an insurance broker to find you the best health insurance, should you not have the time and inclination to do it yourself. Researching the best health plans can be a time consuming and complicated matter. With so many choices, you will probably find an insurance broker to be a godsend.

Hopefully this article has given you more reason to feel capable and in control of your health insurance future than like the "little guy" who is at the mercy of the big corporate machines. Arm yourself with knowledge and put it to practical use because your health is far too important for anything but the best that you can provide for it!
Is the Time Right for Skilled Nursing Facilities to Embrace Telehealth?
Peck launched his previous company, Call9, in 2014, pushing telehealth into nursing homes as a means of reducing unnecessary and costly emergency transports and hospitalizations. But the success stories were few and far between, Medicare rules for telehealth were far too restrictive and the reimbursements weren’t enough to support the programs. Peck folded Call9 in 2019, vowing to try again.


“We talk about the shift to (value-based care) all the time … but we haven’t made the switch,” he told mHealthIntelligence in mid-2019. “We need to flip that switch from fee-for-service … and start rewarding (providers) for bringing value to patient care.”


Peck now thinks that switch is happening. He launched Curve Health in April 2020, fortified by $6 million in seed funding and an ongoing pandemic that was fueling an embrace of virtual care.


In November, a study conducted by researchers at the University of California in Irvine and published in the Western Journal of Emergency Medicine helped prove his point. The study found that a telehealth platform used by six SNFs reduced unnecessary transfers by as much as 80 percent.


READ MORE: Northwell Launches Telehealth Service for Skilled Nursing Facilities


“We have a lot of momentum now,” he said recently. “Doctors are using telehealth much more now (then before the pandemic), and payers want this as well. The world has changed even if our mission never changed.”


Peck says the coronavirus forced the nation’s healthcare industry to embrace telehealth much faster than it would have without the pandemic. For SNFs and assisted living facilities, that transition was much needed. They’ve always been on the front lines of the pandemic, dealing with people much more susceptible to catching the virus and incurring its worst effects, including death. A telehealth program could literally be a life-saver for them.


Curve Health is one of many telehealth vendors to jump into the space, and Peck says it’s important for SNFs to study the platform before choosing a partner. Some will partner with local physician groups or agree to partner with those recommended by the SNF, while others offer their own physician network. It’s also important to examine the technology used, to make sure SNF staff have an immediate link to an on-call physician and with nearby hospitals when triage and transfer are needed.





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