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Archive for 'FAQ'

Switching Health Insurance Companies While Pregnant

The time to switch health plans coincides with the Obamacare open enrollment period. The Open Enrollment Period is the best time to buy insurance, make changes to your existing policy, or switch providers altogether. The Affordable Care Act banned the use of pre-existing conditions and medical underwriting in health insurance applications. Pregnancy is not a […]

What is a referral in healthcare?

Referrals refer to two important functions in healthcare. First, the traditional medical definition is to issue a recommendation for a patient to see a designated doctor or type of medical care provider. This kind of referral is the customary practice when an attending doctor senses a condition that is outside of his or her area […]

What is a Section 125 Cafeteria Plan?

The magnitude of health insurance changes that have occurred over the past few years have resulted in many consumers feeling lost or confused. With more people opting for lower-cost high-deductible health insurance coverage, the risk of greater out-of-pocket spending for medical services increases as well. Fortunately, there are avenues that have been provided by the […]

What is a grandfathered medical plan?

Grandfathered medical plans are health insurance policies that you have been a member of since 2010. The grandfathered policy can be both through your workplace or private agency. The status includes those who did not renew with a new company nor made any changes to their existing policy. Health insurance coverage you may have through […]

Is eye care covered under my health insurance?

Medical insurance does cover some eye care. If you need to see an optometrist for vision problems, you will either need to pay out of pocket or enroll in a separate vision plan because basic medical insurance will not cover it. If you need to see an ophthalmologist for an eye disorder such as macular […]

What is a health insurance cooperative?

What’s a health insurance cooperative? It’s becoming a popular question because co-ops are popping up everywhere. You may have a cooperative at your local farmer’s market or maybe even your child’s nursery. If so, you’re familiar with what it means. Now just imagine it being applied to your healthcare. The information provided here will help […]

What is a buy-up medical plan?

Workplaces offer general health insurance group plans if you meet their hourly standards. However, you can also opt for additional insurance policies. A buy-up medical plan is one of the additional insurance options. In the case of group plans, your employer pays most, if not all, of your basic plans’ premiums. Although, if you opt […]

What is United Medical Resources (UMR)?

United Medical Resources is affiliated with the United Healthcare insurance company, but it is not considered an insurance company on its own. It is a third party administrator. It is actually the largest TPA in the United States and offers several administrative benefits to employers and beneficiaries that enroll. United Medical Resources offers consistent customer […]

Does health insurance cover psychological therapy?

Although it wasn’t common practice in the past, many modern health insurance plans include some level of mental health benefits. These benefits cover psychological therapy that contributes to a person’s overall health, as studies have proven that there is a strong correlation between mental and physical health. This article by Psych Central explores some of […]

What is a CDHP medical plan?

The goal of a CDHP is to expose you to the financial effects of medical-related expenses, which in turn gives you greater control over your health insurance costs. CDHPs include Health Savings Accounts, Health Reimbursement Arrangements, and High-Deductible Health Plans. In order to enroll in a CDHP health savings account, known as an HSA, you […]

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