Health insurance is a vital aspect of our health and well-being. And the exponentially rising cost of healthcare is insurmountable without some level of insurance. So, it is crucial that we are covered in the case of an unforeseeable ailment or injury. However, health insurance is a complicated web of pure confusion. It takes an expert, someone who has devoted their entire career to the subject, to fully understand its ins and outs. And while you do not need to comprehend every aspect of insurance or even your own coverage completely, there are some things you’ll want to be sure are made clear.
If you’ve recently moved or required specialized medical attention, you may be seeking a new primary physician. And in this process, you’ll need to consider a few questions. To help you better understand your insurance, your doctor, and choose the best avenue of care for your needs, know what questions to ask your physician’s office. These will help you know what is covered by your insurance plan and what to expect in costs before you even book an appointment. Take out the guesswork and surprises, and take hold of your health care!
Three questions to ask your doctor:
1. Is this office covered by my current health insurance plan?
You can answer this inquiry in more than one way. You can simply call the office directly and ask. However, this might turn into quite a few phone calls to random doctors’ offices. Or you can check your health plan’s website for a provider directory. This may be a more direct and easily navigable solution. Also, check if your plan requires prior authorization before your visit. This will avoid charges that could otherwise be applied to your plan.
2. Does my health plan cover my healthcare requirements?
There are several essential health benefits covered by all private health care plans. These include prescription drugs, emergency visits, pregnancy, maternity, and newborn services. However, beyond these, each plan is a bit unique in its coverage. If you have questions about what particular services are covered, you can reach out to your plan for answers.
3. What will I be charged?
While you are free to visit an out-of-network provider, you’ll save the most money with someone who is in-network. This indicates that their office accepts your insurance, resulting in a smaller out-of-pocket fee. As discussed above, each plan is a bit different from the next. So avoid any unwelcome surprises and learn which services aren’t subject to your plan.
Insurance and finding a healthcare provider who is both in-network and compatible with your preferences and needs, can be a headache. That’s why we at Bernardini and Donovan are here for your insurance inquiries and navigation. Don’t go it alone- this is a complicated topic! So leave it to the experts. We’ll assist you in this process, finding the best options for your exact criteria.
‘Tis the season of the new year’s resolution! Many people will start the new year with plans of how to improve their life. Here are a few resolutions that we would like to recommend:
One of our most significant assets in life is our time. Everyone is given the same amount of it every day. But what matters is what you do with that time. At the end of every year, it is easy to reflect back and realize that much of your time was spent doing things that don’t matter. Instead, we suggest doing this reflection much earlier. At the end of each day, at lunchtime, as you wake up, reflect over your last few hours. Think about what was important, what added something to your life and goals, and what detracted. What made you a better person and what was a waste of time. What can you do differently in your next few hours so that your precious time is used wisely?
Be your best you
For some of you, this may sound like “I want to drop 20 pounds” or the even more ambiguous I want to lose weight. Some will add the more positive spin saying “I want to eat healthier” or “Workout more.” While these are excellent goals, we want to point out that health looks different on every person. We all have our unique chemistry and genetic health history that causes us to need different markers for health. One of the best things you can do is go to your doctor and speak about what you would like. They can help you formulate different diets, exercise plans and offer you various options that are better for you than what your friend Sally did that worked for her. If you need help getting in to see a doctor, that’s where we can help. Its open enrollment right now and we can help you find an insurance plan that will let you see the doctors you want for a price that works for you. We hope that your New Year’s is terrific and that 2018 brings in the opportunities to be your best you.
let Bernardini & Donovan find the right plan for you
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