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Getting To The Answers - Valuable telehealth Programs
What You Must Know About Your Health Insurance


Health insurance is a vital resource that is extremely important to obtain. It is very tempting to put off getting on a health insurance plan and simply saying, "I won't get sick." However, sickness and emergencies cannot be predicted and cause extreme financial cost without insurance. The tips below will help guide you on all your questions about the right health insurance for you.

When you have decided on purchasing personal health insurance, you should get a copy of exactly what the plan will look like before you make the final purchase. Make sure that you read all of the fine print, exceptions and clauses, so that you will know what exactly you're getting and what coverage you may end up being denied.

If you want to keep seeing your favorite doctors, make sure they are included in an insurance company's provider network before you sign up. If not, you may have to pay extra to see them, if you even can. Don't switch plans unless you are comfortable with the new plan's physicians.

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.

Consider opening a savings account to use as an expense account that you can use to make payments on your co-pays and deductibles that apply to your health insurance. It can be used to pay for things that are not covered under many policies like prescriptions, eye glasses and contact lenses.

No matter what, make sure you have some sort of health insurance. The bills that pile up from an emergency when you don't have insurance, can cause you to go into bankruptcy or spend the rest of your life paying for one accident or health issue. The cost of uninsured medical bills is too high to risk. Get coverage no matter what.

Being eligible for government-assisted or government-provided healthcare does not mean that this is the best option for you. Government does not always provide ample care, and although private insurance is expensive, the level of privatized care in America is the highest in the world. So you need to choose wisely.

If at all possible, use home health care services for recovery time rather than a hospital and reduce medical cost considerably. There are a few different types of home health care that may be covered by your insurance and each may be under different circumstances so check with your provider, but all will save you money and offer you much greater comfort than a hospital.

No matter the coverage you have, if you choose generic drugs all the time you will save money on health insurance. Experts agree that generic versions are identical to brand names in their effectiveness, and are typically widely available.

As you can see, health insurance is easier to navigate than most people think. You can absolutely make your health insurance work for you, if you know which questions to ask and how to make appeals. Learning the ins and outs of your insurance is a challenge but the time is well worth spending, if it saves you money on health care costs.

Learn lessons of telehealth in this pandemic
We understand the initial skepticism. But in this trial by fire, there have been a lot of converts. One patient converted to telehealth happens to be a retired M.D. himself. “I wasn’t sure how it would work,” Dr. Ben Forsyth, 87, told The New York Times after his personal physician suggested a video meeting for a checkup. “Would I feel listened to? Would she be able to elicit information to help with my care?”


But he’s had four more video appointments with his doctor since. “He consulted her remotely when he wintered in Florida; he has also seen his cardiologist and his sleep specialist through telehealth,” the Times reports.


There will always be medical visits that are impossible to manage virtually. Emergency rooms are in no danger of being shuttered; you can’t fix a broken leg digitally. But physicians are reporting that there are actual medical advantages to seeing patients in their home environment — one realized her elderly patient was depressed when the house plants he used to brag about watering were dying on the vine on the shelf behind his laptop’s camera.


Human beings throughout history have created eureka moments in times of adversity. The new era of telemedicine is one of them. In the name of the public health, pandemic deregulation of the practice should be made permanent. In particular for us, Californians should be able to consult the healthcare providers we want to see, even if they live and practice in another state.









https://docs.google.com/presentation/d/1ZiSk2MOF17UdugnGNqOAojsLDrM0Qu-pLwshdGqch_M/edit?usp=sharing
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