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In-Network? Sorry, I have to take out the trash.

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In-Network? Sorry, I have to take out the trash.
Health plans utilize provider networks. Your health plan has negotiated rates for health care services that are considered “in-network.” When an insurance carrier aligns their coverage with a network, that network provides the carrier with a discounted cost per service. Since the discount can be anywhere between 10 to 40 percent of the retail cost, the health plan passes some of the savings on to you in the form of lower out-of-pocket costs, and no balance billing. For any given health situati...
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Referral? Sorry, I have to dust the shelves.

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Referral? Sorry, I have to dust the shelves.
Benefits 101: What is a referral? A referral from your primary care physician may be required by your health insurance plan for specific treatments from a specialist doctor. Not all types of treatment require you to have a referral, and not all health insurance plans require referrals. If you’re not sure whether a referral would be required in your situation, you can look at your health plan document.
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POS health plan? Sorry, I have to do some ironing.

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POS health plan? Sorry, I have to do some ironing.
What is a POS health plan? It is one type of health insurance plan. “POS” stands for “Point of Service,” meaning that you can choose a health care provider right when making an appointment. Depending on your health care needs, the POS plan allows you to select an “in-network” provider or “out-of-network” provider of your choice. For example, you might have a primary care doctor who is in-network, but an out-of-network chiropractor. POS health plans usually cover your care from in-n...
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ACA Watch | October 13, 2017

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ACA Watch | October 13, 2017
Yesterday, President Donald Trump issued an Executive Order (EO) that directs the Departments of Treasury, Labor, and Health and Human Services to review and potentially revise previous guidance concerning several matters related to health insurance plans. At this time, no Affordable Care Act (ACA) regulations are affected. (NAHU) The Agencies would need to take regulatory action before any ACA policies would change.
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PPO? Sorry, I have to fold the towels.

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PPO? Sorry, I have to fold the towels.
What is a PPO? PPO stands for Preferred Provider Organization. In the U.S., it is one common type of health insurance plan. This type of plan might be right for you if you frequently travel or live outside of other available health plans’ service areas. Keep in mind that out of network services will be at a much greater out of pocket expense to you. How is it different from the other types of health plans? How do you choose what is right for you?
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ACA Watch | September 26, 2017

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ACA Watch | September 26, 2017
September 30 is a crucial deadline for the GOP. It marks the last day that Senators could pass a bill through the “fast track” budget reconciliation process. In the past week, several Republican Senators have announced that they would not vote for the Graham-Cassidy bill, including Senators Rand Paul (R-KY), John McCain (R-AZ), and Susan Collins (R-ME). With a 52-to-48 advantage, the GOP holds more Senate seats, and could only afford to lose two votes from their party and still pass legislatio...
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ACA Watch | September 21, 2017

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ACA Watch | September 21, 2017
Surprise! After several ACA repeal-and-replace bills did not succeed earlier in the year, ACA repeal now has a real chance of passing by the end of this month. With their newest Graham-Cassidy bill, GOP Congress members make a final effort to repeal and replace the ACA before the September 30 deadline hits. Authors of the bill, Senators Bill Cassidy (R-LA) and Lindsey Graham (R-SC) are working to garner support from fellow Senators before a vote next week.
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HMO? Sorry, I have to do the laundry.

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HMO? Sorry, I have to do the laundry.
What is an HMO? It is one common type of health insurance plan. HMO stands for Health Maintenance Organization. This type of plan not only pays for major health events in your life, but also focuses on health maintenance, wellness, and disease prevention. How is it different from the other types of health plans? How do you choose what is right for you?
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Family Plan and Deductible? Sorry, I have to do the dishes.
What is Family Plan health coverage? Or a Family Deductible? Consider this your health benefits 101. A health insurance Family Plan means that it covers two or more people. If you want health coverage for yourself and a spouse, child(ren), or other tax dependent(s) you must choose family plan health coverage during your enrollment period. You may choose to participate in a family plan whether or not you have children or are married. If you wish to have insurance coverage for yourself and at ...
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Single Plan and Single Deductible? Sorry, I have to scrub the floor.
What is a Single Plan? A Single Deductible? Consider this your Health Benefits 101. A “deductible” is the set dollar amount that you must pay before the insurance company pays. A single deductible applies to a single plan, so your plan’s deductible amount is based upon having a single or family plan. A single plan deductible is sometimes called a “Single Deductible” and is generally a different dollar amount than a family plan deductible.
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  • In-Network? Sorry, I have to take out the trash.
    Health plans utilize provider networks. Your health plan has negotiated rates for health care services that are considered “in-network.” When an insurance carrier aligns their coverage with a networ...
  • Referral? Sorry, I have to dust the shelves.
    Benefits 101: What is a referral? A referral from your primary care physician may be required by your health insurance plan for specific treatments from a specialist doctor. Not all types of treatmen...
  • POS health plan? Sorry, I have to do some ironing.
    What is a POS health plan? It is one type of health insurance plan. “POS” stands for “Point of Service,” meaning that you can choose a health care provider right when making an appointment. Dep...
  • ACA Watch | October 13, 2017
    Yesterday, President Donald Trump issued an Executive Order (EO) that directs the Departments of Treasury, Labor, and Health and Human Services to review and potentially revise previous guidance conce...
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