‘Uncategorized’ Archives
What are Georgia Health Savings Accounts?
What is the difference in an HSA, HRA, FSA and all the other mix of letters assigned to different types of plans? All are similar, but different. Most of these plans are available only through an employer, but consumers can still take advantage of some of these options even without an employer plan.
What is Consumer Driven Health Care?
Sadly, very few consumers are in charge of their health care. They take what their employer offers, even if it is wrong for their needs. Or many times they buy a plan that is similar to what they had under an employer plan. These plans are terribly outdated and considerably overpriced. In addition, the plan design causes you to pay more for [...]
How Do PPO's and HMO's Differ?
Most Georgia major medical plans are PPO contracts, but there are a few HMO plans. Group plans through an employer come in different flavors, including PPO, HMO and POS. So what is the difference? Each has advantages and disadvantages. One is not inherently bad while another is good. Like everything else, it depends on what you need. I [...]
Why do Prescription Drugs Cost So Much?
Unless you, or someone you know, has taken medication for a serious health issue, you probably are not aware of how expensive some medications can be. Believe it or not, there are some meds that are $8,000 per dose and quite a few that are $2,000 to $3,000. Hopefully you will never need medication that is so expensive, but when you do you need [...]
What is a Georgia Provider Network?
If you want to keep your costs down, use a par (participating) provider. In other words, stay in network. This isn't always easy. Your doc may be in network but may refer you to another provider who is out of network. When that happens, you pay more. Emergency situations, and having surgery, especially as an inpatient can drive up the cost of [...]
What are Deductibles, Copay's and Coinsurance
Sometimes it seems health insurance is more complicated than it needs to be. This video should help explain the differences in deductibles and coinsurance. If you have questions about this or other plan provisions, contact us.
Patient Charity Update
Are you uninsured and looking for help? Patient Charity may hold the key. Patient Charity is updated on a regular basis and contains links to a number of sites containing information on a wide range of topics. Here is a sample. Coverage For All, a resource of taxpayer funded and charitable programs for the poor and uninsured. Insure Kids Now, [...]
