Thursday, February 12, 2015

Medical advice, prescriptions...over the phone? Yes, it's true!

Going to the doctor is no easy task anymore. You are guaranteed to wait (and the wait times are getting longer), you will sit in a waiting room full other sick patients, you have to take extra time off work or bring your kids along with you. Not to mention the bills you receive once it's all said and done. It's just full of complications. Sometimes we have no idea what is going on with us and we do need someone to look in our throat or listen to our heart.
However, think how many times you know what it is. Sinus infection, ear infection, strep throat, and you think to yourself, I wish I could just call a doctor and get a prescription. CAN be that easy! Telemedicine is a great alternative to sick waiting rooms, long wait times and taking time off work.

Board certified doctors that you can talk to over the phone or via video conference that can diagnose, answer questions and write prescriptions. It's not health insurance but a monthly subscription for routine illnesses.

Not to mention, Call a Doctor Plus comes with telephonic life counselors, legal and financial services, medical bill saver and much more!

No paperwork, no waiting rooms, no deductibles or co-pays. It IS that easy. I have two young kids and I love the idea of not taking them to the doctor if I don't have to. That is worth every penny!

Click below to enroll, one low monthly price for a doctor on demand!

Enroll in a few easy steps HERE!

Tuesday, February 3, 2015

Understanding Key Health Insurance Terms

Using health insurance can be confusing, understanding the terms can be even more confusing. Here's a breakdown of the top 5 key terms used in health insurance, and what they mean to you.

1) Premium: The amount of your health insurance coverage. You and/or your employer pay premium monthly, quarterly or annually.

2) Deductible: The amount you owe for health care services before the plan begins to pay. For example, if you have a $500 deductible, you will pay $500 before the plan begins to pay anything. Deductibles do not always apply to all services, many plans have co pays and you will pay co pays instead of paying anything towards your deductible.

3) Co-Payment: A fixed amount you pay for covered services, usually due at the time of service. Co-pays vary based on service.

4) Co-Insurance: Co-insurance is your share of the cost of health care services, calculated as a percent of the allowed amount. For example, if you have met your deductible and you have a hospital bill with an allowed amount of $1,000 and your co-insurance is 20%, you owe $200.

5) Out of Pocket Maximum: The out of pocket maximum set for a plan is the maximum amount you will pay before the plan starts paying 100% for covered services. This limit includes deductibles, coinsurance and co pays.

The way your plan covers services is not something you want to find out when it's too late. Review your health coverage before you head to the doctor of hospital. You don't want any surprises!