Thursday, March 19, 2015

Staying on top of your health...for free!

Yes, free! Preventive care is has been mandated to be covered at 100%, so it's free! Visiting a doctor for an annual check up is now covered by all plans, so you don't have an excuse to miss that well visit.

Staying on top of your health is one of the most important ways to catch an illness before it gets worse or even preventing something like a heart attack or stroke. Just having your blood pressure checked at your well visit can give your doctor information about your health before he even sets foot in the room.

We use too many excuses to skip our check ups, too busy, too expensive, telling yourself you "feel" healthy. There are so many health conditions we can't detect just by the way we feel. Having blood screenings, getting your blood pressure checked, having someone look in your eyes and mouth, those are all a great start to detecting a hidden illness.

Staying on top of your health with regular check ups is important to help prevent a major illness, but it's also a great way to keep claims cost down. This helps to eliminate your out of pocket medical expenses. If you go for your well visit and your doctor determines you have high blood pressure, he can help find the right monthly maintenance medicine for you. The co-pay you pay monthly will be far less than the bill you could receive from the hospital if you were to have a massive heart attack or stroke.

Not only is preventive care now covered at 100% but health insurance carriers are doing their part as well. Most health insurance carriers have a Health and Wellness portal on their website which includes a health assessment. You can assess your health, all from your living room! Being honest and answering the questions truthfully can give you great insight to the state of your health. You can identify health risks you didn't even know you had. Read about health topics, join online weight management programs, there are even online tools to help you quit smoking.

We don't have excuses anymore. We have resources at our fingertips, well visits which are no cost to you, and doctors and health clinics on almost every corner ready to make sure you stay on top of your health!

What are you waiting for? Make an appointment today for your annual check up.

Tuesday, March 3, 2015

Open Enrollment is over...what's next?

The Health Insurance Exchange open enrollment has ended but there are still ways to get coverage if you qualify.

First, you need to know if you qualify for a special enrollment period. You could qualify if you've had a life change like, marriage, had a baby, moving outside of your plan's coverage area, or you've lost other coverage.

Medicaid and CHIP does not have a set enrollment period. If you qualify, you can get coverage immediately, any time of year.

In some areas, insurance companies sell private insurance plans outside of open enrollment. These plans should meet minimum essential coverage and other requirements by law. If you have one of these plans, you would not be subject to the penalty for not having health coverage. If you buy a plan outside of the marketplace you would not be eligible for premium tax credits or any other savings.

Don't forget, if you choose to forgo coverage, you will be subject to penalties and fees for not having coverage. In 2015, you'll pay a penalty of either 2% of your income or $325 per adult, whichever is more.

If you are looking for coverage outside of the exchange, contact us and we can help!