August 13, 2019

Understanding Your Health Insurance Plan During Pregnancy


If you are currently expecting a baby, it’s important to understand your health insurance policy. Having a child is expensive, but knowing what you should/shouldn’t have to pay out of pocket for is extremely important. In this blog post I will provide a list of noteworthy benefit plan questions to look into to better understand what will/will not be covered: 1. What is your policy’s deductible, coinsurance, and out of pocket maximum? 2. Are your doctors and hospital in or out of network with your insurance provider? 3. If you have an HMO policy, do you need a referral from … Continue reading

July 2, 2019

What are Essential Health Benefits?


You may have heard the term “Essential Health Benefits” used in discussions regarding health insurance, however, you may not know what it refers to. Per the Affordable Care Act, there are a list of services that are required to be covered. These services include: Outpatient Services Emergency Services Hospitalization Maternity and newborn care Mental health and substance use disorders (including behavioral health treatment) Prescription drugs Rehabilitative and habilitative services and devices Laboratory services Preventive and wellness services and chronic disease management Pediatric vision To receive additional information on how these benefits will be covered under your policy, please consult with … Continue reading

May 1, 2018

Preventative Care Benefits


Did you know that your medical plan may cover certain treatments 100% before you hit your deductible? These are known as preventative care benefits / services. These benefits allow you to get certain things done, and the health plan will pay for them at no cost to you. Things that are generally covered are: Blood Pressure, Diabetes and Cholesterol test Cancer screenings Flu shots Screenings for STIs Smoking attestation Well baby visits Mammograms Well woman visits Annual physicals Please remember to take advantage of these benefits / services.  If you are not sure what is covered, always check with your … Continue reading

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