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Facts
- Your employer can not discriminate against you due to age.
- If you work for a company with a set number of employees (check your state laws) your employer MUST issue you the same coverage issued t all other employees.
- At age 65, you may choose between Medicare and your company’s plan as your primary insurance package. Contact the Social Security Administration for more info, http://www.ssa.gov.
If you are offered health benefits at work make sure your coverage is accurate for your needs. Your plan should be to insure you against the most serious and financially disastrous losses that can result from an illness or accident. Although you can select a plan or buy a policy that should cover most medical, hospital, surgical, and pharmaceutical bills, no single policy covers everything.
Here are some of the things to look at when choosing and comparing health insurance plans.[/vc_column_text][vc_custom_heading text=”Does the plan offer: ” font_container=”tag:h4|text_align:left” use_theme_fonts=”yes”][vc_row_inner][vc_column_inner width=”1/2″][vc_column_text]
- Physician visits
- Physician visits in the hospital
- Physician Office visits
- Medical tests
- Medical X-rays
- Prescription drugs
- Inpatient and Outpatient hospital services
- Nursing care
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- Mental health care
- Physical therapy
- Speech therapy
- Hospice care
- Maternity care
- Checkups
- Baby care
- Dental care
[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text]Tips when shopping for individual insurance:
- Shop carefully. Policies differ widely in coverage and cost.
- Make sure the policy protects you from large medical costs.
- Read and understand the policy.
- Make sure it provides the kind of coverage that’s right for you.
- Make sure if you have a family, that your family members are covered as well.
- Make sure there is a “free look” clause.
- Beware of single disease insurance policies.
- Your children may be eligible for free or low-cost health insurance! Check with your state government for more details.
Examples of Health Care Provider Fraud:
- Billing for services not actually performed.
- Falsifying a patient’s diagnosis to justify tests, surgeries or other procedures that aren’t necessary.
- Billing for a more costly service than the one actually performed.
- Billing each stage of a procedure as if it were a separate procedure.
- Accepting kickbacks for patient referrals.
- Waiving patient co-pays or deductibles and over-billing the insurance carrier or benefit plan.
- Misrepresenting procedures performed to obtain payment for non-covered services.
- Billing a patient more than the co-pay amount for services that were paid by the insurance company.
Learn more about Health Insurance terms…click here to see a glossary of commonly used terms.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]
