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Do Better With These Health Insurance Tips!




Your health is the first thing that quickly deteriorates due to age or unforeseen circumstances. Purchasing reliable health insurance is always a great way to have help on the way when you need it the most. Doing proper research and reading is always beneficial to aid you in finding the right health insurance company as well as the most reliable one. The article below is filled with tips on health insurance that are sure to point you in the right direction.

When considering a health care insurance plan from your employer, be sure to not forget about possible favored doctors and if they will be included in your plan. This is especially important to consider with an OB/GYN, dentist, or long time family doctor. Sometimes it may be more important to pay more for a different plan than to abandon your favorite doctor.

If you and your partner have been riding on a single health insurance policy and one of you is nearing retirement, sit down and have an open discussion about how that transition will occur. Coverages will change for the retired person and several alternatives are available. They can continue for a while through COBRA and afterwards, they can apply for a standalone policy if the premiums are not prohibitively high, but the important thing is to walk into those decisions proactively.

Plan for the worst when taking out a new health insurance policy. Health insurance can be expensive. However, even the cost of health insurance is pocket change when compared to the astronomical cost of some health bills. Take out a policy that won't leave you completely bankrupt if an emergency hits.

Make sure your health insurance is not being "grandfathered" in. Some companies do not have to provide the new changes required by law, because they have been in business for a very long time, or they know someone higher up. If your policy is one of these, start looking for a new company.

Never pay your insurance agent your monthly premiums. Health insurance payments should always go directly to the insurance company. With no middle man involved, there is less of a chance for error. If you pay the company directly online, then you will also have current records of payment on your bank statement every month.

Always be honest with a health insurance company, especially when you are applying for a policy. Insurance companies regularly check on their clients to make sure they are truthful about their medical history. If you have not been, that is grounds for denial of coverage, or even canceling a policy that is already in place.

Being aware of laws applicable to health insurers, is vital to protecting yourself and your coverage. Most of the time, an insurance company cannot cancel coverage or deny payment because of a clerical error on your part, including during the application process. Unfortunately, paperwork and red-tape are part of the health insurance process, but knowing your rights up front, enables you to plow through it with greater confidence.

Purchasing a good health care policy is amongst one of the most important decisions of your life, and you should make an here educated choice. Know what each individual policy offers, deductibles, and co-pays. What you don't want is to purchase a policy blindly and find out in the event of an emergency you don't have the coverage you need.

Group health insurance is less expensive than individual coverage, which is why many employers can offer benefits. What are the options for the self-employed? There are plenty of groups or associations you can join like the Freelancers Union. In addition to their other benefits, they offer quality group-rate health insurance.

When you're admitted to a hospital, expect a great deal of documentation from your health insurance company as well as all the other people and groups who may have treated you. Although it can be bewildering, please make the effort to thread your way through the insurance bill details so that you can be completely sure you understand what you were charged for. This way if something was not covered to your satisfaction, you will be able to identify it and call it out to the health insurance company for follow-up.

Check out the prices of different insurances before you choose one. Also consider one with a higher deductible if you are healthy and a younger age because you won't be visiting the doctor as often. If you are older you may want to consider one with a lower deductible so you won't be paying as much out of your own pocket.

Shop around. Make use of one of the many health insurance calculators available to find out how much coverage you need and begin making phone calls. Find out which companies can offer you the best premiums for your desired amount of coverage. When you have multiple quotes, you can also let a company know, and give them a chance to compete for your business.

If you have a pre-existing condition, you should do research before signing with a particular company for health coverage. Often companies will disallow coverage or charge increased prices for coverage, when pre-existing conditions are present. In order to obtain the best value for your money, do your homework and research what is being offered to you and at what cost.

If an insurance rate is too good to be true, look at customer reviews of the company to ensure you're paying for good service. If insurance is cheap, it's likely to be because they have a low number of staff, meaning claims could take forever to go through. You get what you pay for.

Compare many health insurance rates. If you take the time to compare health insurance rates between companies, you may find one healthcare provider will cost far less than another. Make sure you carefully examine their prices to make sure the one that costs less actually does, and isn't just charging higher deductibles.

These tips should help you look for the best health insurance possible. Remember to choose something adapted to your needs and your budget. A health insurance is not a luxury, it is a necessity: do not delay any further and apply for one now that you know everything about health insurances.

The coronavirus pandemic could push telemedicine into the mainstream


Telemedicine has been around for more than two decades, but its adoption among Americans has been relatively low. The coronavirus pandemic is quickly changing that.



With millions of people around the country forced to stay home in lockdown and worried about potentially exposing themselves to the virus, many of them are turning to telemedicine companies' virtual consultation services. According to the US Centers for Disease Control and Prevention, most people that contract the coronavirus only suffer mild illness and can recover without leaving their homes. Telemedicine companies are stepping in to give patients a chance to talk through their symptoms and decide if they need to be hospitalized.



CareClix, a virtual health platform based in Alexandria, VA, has more than 20 million users across the US and says it saw a 50% increase in usage in March. Zipnosis, another telemedicine company based in Minneapolis, reported a 3,600% increase in virtual visits on its platform over an 11-day period last month.



"Unfortunately, it's taken some pretty extraordinary circumstances, but I think this will be a watershed moment for the industry," Zipnosis CEO Jon Pearce told CNN Business. "Certainly in the past few weeks with Covid, I think people's desire to have trusted advice from medical providers is just gone through the roof ... and that's what we can facilitate in a very fast fashion. And more importantly, we can facilitate that without leaving your home."



Both companies have different approaches to telemedicine.



CareClix, founded in 2012, connects patients to doctors through an on-demand video platform that attempts to recreate the in-person experience in a virtual setting — similar to chatting with your doctor on FaceTime.



"We really try to mimic what's done in brick and mortar," said CareClix co-founder and CEO John Korangy. "From the user's perspective for the patient and... the doctor, they're not doing anything different than they would if you came and saw me face to face. The only thing different is now we have a monitor in between us."



While CareClix's technology is used by hospital networks and healthcare providers around the US, the company also has an internal team of doctors that can provide remote services to patients.



Zipnosis, on the other hand, operates in what is known as asynchronous care — where the doctor and patient don't need to be in the same place (even virtually) at the same time. The company, founded over a decade ago, has users fill out a virtual questionnaire through a chatbot-like tool that packages their responses for a doctor to review and diagnose. Zipnosis claims this can dramatically speed up the process, allowing doctors to make a diagnosis in an average of 89 seconds.



"Instead of talking to a doctor over video, you would answer a series of yes [or] no questions," Pearce said, "the same questions they would be asking you in real life when instead of doing that, we have a really smart computer system do it."



Telemedicine has its limitations — some complex diagnoses and treatment may require in-person interactions. If a patient appears particularly sick, telemedicine companies will recommend they go to a clinic or hospital. But the technology can play an important role in easing some of the initial load from walk-ins, particularly as the global pandemic places strain on the healthcare system and makes people nervous about being exposed to the virus.



"What's happening is that people are worried," said Ann Mond Johnson, CEO of the American Telemedicine Association, a non-profit organization focused on increasing the adoption of virtual health technologies. "People don't know really what to do, where to go, whether or not they should get a test for the virus. And so the hospitals are really deeply concerned about managing exposure."



CareClix has begun offering free Covid-19 evaluations to its users, while over 40% of health care providers that use Zipnosis's technology are also offering free screenings.

https://edition.cnn.com/2020/04/27/tech/telemedicine-coronavirus-wellness/index.html


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