Wait for the EOB
EOB stands for Explanation of Benefits.
It’s the form from your insurance company that shows how much your healthcare provider was reimbursed for your office visit, lab work, x-rays, etc.
Typically it arrives at your house before the individual bills from the provider, which show the balance owing, or what you are expected to pay.
Keep this in mind: Don’t pay a medical bill until you’ve compared the services and charges to your EOB!
Insurance claims can be wrong
A few months ago my husband had his annual physical. About a week before his visit, he … Continue reading
Watch for cars!
What is the biggest risk to kids on Halloween night? It’s not an overdose of sugar, or the possibility of tainted treats. It’s the traffic.
The Mother’s Complete Guide to Halloween Safety says child pedestrian accidents increase 400% on Halloween, compared to an average day.
The greatest number of accidents occur between the hours of 5 pm and 9 pm.
The guide gives the following tips for kids and parents:
- Use crosswalks.
- Stay alert to your surroundings—that means put the phone away and keep your eyes up!
- Plan your route ahead of time.
- Make eye contact with
… Continue reading
Traditional and expensive
This week I received a letter from my health insurance company. My plan’s benefits will remain the same, but the monthly premium will be 21% higher.
That means health insurance for me and my husband now officially costs more than our mortgage. And it’s just a bronze-level plan with a $7,000 deductible (each)!
I really feel for other families receiving similar letters about similar rate hikes. Some families will have to make a difficult decision—will health insurance in 2018 be just too expensive?
There are alternatives to traditional health insurance policies, and I’ve posted about them before. … Continue reading
October is Breast Cancer Awareness month
October has become the month to pressure women to Buy Pink! and schedule their annual mammograms.
But I’d rather see more women informed about the effectiveness of annual mammograms (not as much as you might think).
And I’d like to see more care providers drop the paternal attitudes and really have a conversation with women about the pros and cons of screening mammograms, and how (or if) this diagnostic tool should be used to meet their health care goals.
I’ve written many posts on this topic, so please check them out!
… Continue reading
Brown bag your meds to a local pharmacist
Are you or a family member taking multiple prescription medications? Are you taking them along with several other over-the-counter drugs, vitamins and supplements?
If so, you might want to take advantage of this one-day event.
Saturday, Oct. 21, is the first ever National Check Your Meds Day, sponsored by Consumer Reports and the Department of Health and Human Services (DHHS), and supported by pharmacists in the community.
Why is this event an important health service?
Consumer Reports explains:
With half of Americans regularly taking prescription medication—four, on average, according
… Continue reading
More exercise, more soluble fiber
I’ve been posting about my husband’s high cholesterol since it became quite high about a year ago. Last December his total cholesterol was 297, with an LDL (low-density lipoprotein) of 219 and an HDL (high-density lipoprotein) of 65.
Now I’m happy to report that after 9 months of pretty simple lifestyle changes his total cholesterol is down to 240. His LDL (the bad one) is way down at 153, and his HDL (the good one) is way up at 77!
Although he has no other risk factors for heart disease—he’s not overweight, … Continue reading
Higher drug prices = higher health costs
Soon we’ll be finding out how much our health insurance will cost next year. Premiums are set to rise by double digits across the country.
Related post: Premium increases for 2018. Ouch
While uncertainty about the future of the Affordable Care Act (ACA) is partly responsible, insurance companies put the biggest blame on the skyrocketing cost of prescription drugs.
Why are prescription drugs so expensive? To understand the problem in less than 2 minutes, watch this YouTube video…
As the video points out, Medicare can’t negotiate lower … Continue reading
The health care debate rages on.
Atul Gawande, one of my favorite physician-authors, wrote an article on this topic last week in The New Yorker magazine.
He spoke to residents in his home state of Ohio and posed the question, “Is health care a right or a privilege?” He listened to their stories of unexpected illness, lost jobs and medical bankruptcy. Yet none of them thought their health insurance should be free—just fair and affordable.
In our current crazy quilt system, those who do best are the very poor and the very rich. The majority of us, myself included, are … Continue reading
In response to last Sunday’s tragic mass shooting in Las Vegas, I’m re-posting this information about Stop the Bleeding, a program to educate lay people to respond to emergencies and control bleeding. If you haven’t already, take a first aid class! You might save a life. FN
Surgeons want the public to learn this skill
I taught first aid classes for the American Red Cross for many years. To control excessive bleeding, we showed students how to apply pressure directly on a wound, or at pressure points in the groin and upper arm.
We did not teach how … Continue reading
Carbs vs fats in the news…again
A few weeks ago, a study was published that resulted in a lot of dramatic headlines, such as “Your Low-Fat Diet Could Kill You!”
The media always make a big deal out of these nutritional studies because they know we need to eat, we like to eat, and we’re already confused about what we should eat. Or not eat.
Headlines that the one above are great clickbait.
Nutrition studies are notoriously unreliable because they are usually observational studies, based on questionnaires and food diaries, rather than the gold standard randomized controlled trials. … Continue reading