Insurance has some tricks and workarounds that you can use to help you get the most out of your benefits. One key area deals with deductibles. During a pregnancy, for instance, you will have a number of visits to the doctor or clinic, some lab tests, sonograms and a host of other services. With many policies, you continue to have to pay out of pocket until you meet your deductible. Once you do this, you can expect the insurance to kick in paying the rest of the charges at a higher percentage, or to begin paying. Once you’ve cleared the deductible hurdle, you will want to be able to make sure you take full advantage of being in the state of having met your deductible. If you don’t maximize this opportunity, before you know it, it’s time to start over and have to meet a whole new deductible.
Let’s just say that you have a $500 deductible. The insurance company doesn’t pay anything until the deductible is met. Typically this means that until you have paid or filed $500 worth insurance claims, your insurance policy benefits do not kick in. If your visits to the doctor are $100 each, after 5 visits are filed with the insurance company, they will start paying. It’s important that anything that you pay out of pocket, such as prescription medication, gets filed to the insurance company within the deadline. In other words, just because you know you’ve had enough covered services to meet the deductible doesn’t mean they know at the insurance company. The way they get to know this is when you file insurance claims. In some cases, even if you pay $100 to the doctor for five visits out of your own pocket, they will file the claims for you. Just make sure that you don’t assign benefits to them, since they already are getting paid by you. If you pay them for $500 worth eligible medical services and they don’t wish to file, then you must file the claims yourself. By all means do it before the deadline. Also, be sure that if you have the option to let them file and get paid by the insurance company with benefits assigned to them, you should do it. This will keep you from having to pay out of pocket up front. The term of use is accept assignment. If the insurance company will accept assignment, that means they will wait until the insurance company files the claim before they get paid. If this arrangement is made with your medical provider, hey will only come after you for the money if the claim is denied or takes an inordinate amount of time to be paid.
At the point in which the insurance company processes $500 worth claims for eligible services, they begin to pay out the benefits to the doctor. So, if they pay 80% of eligible claims after your deductible is met, they will begin to make such payments, leaving you responsible for the other 20%. If they pay at an even higher percentage after the deductible is met, that’s all the better.
So, in order for you to get the most out of this set up, you need to find out or know some key things, as follows: • What is your policy year? If the insurance company has a bonafide policy year, it will run from January 1 to December 31. However, some have a fiscal year, which could run from September 1 through August 31 the following year. • IS there a cap on their payments? • What is your out-of-pocket max?
Whatever your policy year, just say you meet your deductible and want to have surgery while the insurance is paying the highest percentage of benefits. If you have a deductible year that runs with the calendar year, you will want to have your eligible surgery before December 31. For the other scenario, you will want to have the eligible surgery before August 31. Many people opt for a month or so prior to the end of the calendar or fiscal year to have all their procedures, because follow-up care or lab work may be needed a few weeks later (such as a post-op exam).
With one’s health possibly weighing in the balance, there’s no time to mess around with outdated blood pressure monitors. When it’s time to take your blood pressure at home, you want an accurate reading. Like anything with mercury, blood pressure monitors become old and lose their accuracy. They are calibrated at the factory, but the accuracy may decline with time. Like anything in the world, blood pressure monitors become outdated. Also, like anything in the health care marketplace, your health-related tools need to be top-quality. You might want to know how to tell that it’s time to replace your outdated blood pressure monitor. Following are some ideas to help you toward this end.
• If your blood pressure monitor is analog. Digital blood pressure monitors have been on the market for quite some time now. Digital equipment and technology have superior features.
• If your blood pressure cuff no longer fits. In order to get an accurate reading, your cuff can’t be too tight or too loose. If you have lost or gained weight, chances are your cuff doesn’t fit right any longer. This means it’s time for a replacement.
• If you notice widely varied readings within a few minutes time on multiple occasions. While your blood pressure may change, you should suspect a malfunction is the reading from one minute is grossly different from the reading a minute later.
• If your monitor is more than 10 years old. This critical equipment is made to last, but not forever. If you bought the monitor years and years ago, you may begin to get false readings. You don’t want to be deluded into thinking your blood pressure is normal when it’s too high or too low. A false sense of good health could cause you to delay seeking medical care. This could be terribly disadvantageous. Perhaps you are getting a normal reading when your blood pressure is high and requires medication or other medical interventions.
Christian Medical Supplies offers a wide range of blood pressure monitors. You only live once so why not live life to the fullest while monitoring your blood pressure with the best technology that life has to offer. Upgrade Today!
Most seniors try to hold onto their independence for as long as possible. They strive to continue living in their own secure, familiar home. If you were to talk with them they would tell you that they are not interested in giving up the car keys just because they hit a mailbox or two. One area where they may be capable of handling things on their own but are subject to a slip and fall is in the bathroom. Tiled, wooded or laminated floors can become slippery when wet. The bathroom is the most likely place for water on the floor to change the safety dynamics. That’s why bathroom safety is so crucial for seniors. The good news is that there is an answer, in the form of medical supplies and aids.
In an Aging care online article, the writer mentions that there are different reasons why some seniors may wish to avoid showers. Depression is only one cause brought up in the article. Fear of slipping in the bathtub or of having difficulty getting in and out are also listed as causes for this avoidance. The right medical supplies can change these dynamics and bring safety and peace of mind. There are tons of supplies and aids to help with a whole slew of safety concerns. For example, bath benches can make it possible for a senior to sit and shower, rather than standing in a slippery tub while having to maintain their balance as they wash their bodies. They are sturdy and have rubber feet. Some even have a seated section for the tub side and the side outside the tub – they are called transfer seats.
There are even special commodes that help bring the safest outcome to seniors. Designed with arm rests and rubber feet, they can help make the bathroom trip a lot safer.
Not only to seniors worry about their safety and well-being in the bathroom and elsewhere, others in their lives have the same concern. Consider how many adult children and grandchildren feel less than at-ease leaving mom, dad or a grandparent to fend for themselves in their own home (usually at their own insistence). With the right medical supplies and aids, these worries can be vanquished. Many have turned to Christian Medical Supply for such equipment and aids. They understand that bathroom safety is crucial for seniors, and they have the answer on their floors, shelves and warehouses. For more information, visit: christianmedicalsupply.com.