November 1 marked the beginning of the six-week open enrollment season.
From November 1 to December 15, those of us in the individual health insurance market can browse plans through
healthcare.gov, a state-run health insurance marketplace, or any health insurance provider that sells individual plans.
As you shop for health insurance, it’s good to know a few of the basics.
Exchange plans are categorized or “metalized” into three …
read on I got caught in a very common healthcare trap, and it could have cost me over $200.
I went in for my “free” annual exam that health insurance plans must cover as part of Obamacare’s preventive health benefits.
Typically, these exams—also known as Adult Wellness Visits (AWV)—are opportunities for the physician to tick a lot of boxes about your health habits (smoking, drinking, sex, etc.) and schedule you for a …
read on If you are one of the 75% of Americans that uses prescription drugs, you know they cost a lot of money. Especially if you’re one of the 1 in 4 that can’t afford their medicine.
A few days ago the government announced that
drug companies must include the price of their drugs in all television commercials if the drugs cost more than $35/month.
Which they will as Big Pharma …
read on Teladoc worked for me
I’ve posted before about Teladoc and the other
telemedicine providers. In our highly-technical age, telemedicine, I think, fills a useful niche for providing quick, inexpensive care for minor ailments.
Last weekend I finally got a chance to use it myself to see how it worked.
On Friday I suspected I might be coming down with a UTI (bladder infection). I decided to drink a lot …
read on A growing problem
Financial identity theft is when someone steals your credit card or debit card, or uses your personal information to take out a loan in your name.
Medical identity theft is when someone uses your personal information to fraudulently receive medical care and have it paid for by you or your insurance.
If that person is treated under your name, your finances, your medical history and your health …
read on Traditional and expensive
Over the next few weeks many families, mine included, will receive the dreaded letter from their health insurance company that tells them how much their premiums will be for 2019.
Last spring my insurance company applied for
a 29% rate hike. They settled for 19%. That still hurts. Especially because the deductible and out-of-pocket maximum are going up, too. I really feel for other families receiving … read on Overdiagnosis of melanoma
I learned two things from a recent journey into the healthcare system:
Melanomas are overdiagnosed; and Always discuss cost with your physician.
Earlier this summer
I shared that I had a small mole removed from my leg. I didn’t like the look of it, so I thought it prudent to have it checked out.
I had to wait almost a month for an answer, because …
read on Short-term health insurance plans are coming back
Is there anything about our healthcare system, especially the insurance market, that isn’t confusing?
The Affordable Care Act (ACA) finally phased out most short-term health insurance plans last year, but
. last week the current administration changed the rules to bring them back
The cost of health insurance is really expensive for anyone who doesn’t have an employer-provided plan or doesn’t qualify for …
read on A symptom of a broken system
A recent trip to my primary care physician highlighted one of my biggest complaints as a “healthcare consumer”: a complete lack of transparency about what things cost.
How are patients (I hate the word consumer) supposed to make thoughtful, cost-conscious decisions about healthcare when it’s impossible to know what any service costs before we buy?
Out-of-control costs is just a symptom of underlying illness. …
read on When will these double-digit increases stop?
OK, it’s June and that means it’s time for my annual rant about ever-increasing health insurance premiums.
In my state, Washington, the Office of the Insurance Commissioner just
. posted the proposed rate increases
Not in Washington? Use
to find the insurance commissioner in your state and search for rate increases. this interactive map
By law these requests have to be made public and …