Tuesday, October 24, 2017

Choosing The Right Health Insurance Plan



As the Health Insurance Marketplace transitions to plans with higher deductibles, patients are facing more financial responsibility than they ever have in the past. This makes understanding your plan options and benefits extremely important, so we sat down with Women’s Care’s Practice Administrator, Tasha Frahm, to learn more about what changes patients can expect and get her advice on how to choose the best plan.

Changes in the Health Insurance Marketplace

If you’re getting your insurance from the Health Insurance Marketplace -- also known as Obamacare or the Insurance Exchange -- there are a few key changes to look out for this year.

“There are going to be a couple of really big players that are going to stop having programs on the Marketplace,” Tasha explains. Two of the largest insurance companies who will be leaving the Marketplace are Anthem and Molina.

For those of you living in our service area, that leaves Network Health Plan and Common Ground Health Cooperative.

“Women’s Care doesn’t currently have a contract with Network Health Plan, but we are actively pursuing a contract with Common Ground Health Cooperative,” Tasha says. “I feel very confident that we will be able to make that happen, so if patients see a Women’s Care provider and they want to continue to see a Women’s Care provider, Common Ground Health Cooperative is going to be their best bet.”

Health Insurance Changes for State Employees

If you’re a state employee, your plan options may be limited this year.

“State employees typically fall into the Employee Trust Fund,” Tasha explains. “Historically, they have had upwards of seven different insurance options. This year, it looks like they are going to scale back quite a bit.”

While statewide, Wisconsin employees may still have up to seven options, employees in our market will only have three insurance plans to choose from.

Those plans are Security Health Plan, WEA Trust, and Network Health Plan.

“If you’re a state employee who sees a Women’s Care provider or would like to see a Women’s Care provider, it’s important to remember that we don’t have a contract with Network Health Plan,” Tasha points out. “But we do have contracts with Security Health Plan and WEA Trust.”

Why the Sudden Health Insurance Changes?

While this is a drastic change compared to previous years, it’s not atypical to see a lot of change in the Marketplace within one year.

“Employers change year after year, and every year they change the health insurance plans they offer,” Tasha says. “It just so happens that the state of Wisconsin employee population is so large that when the state makes a change, it affects a lot more people than when another company makes a change.”

In other words, it may seem like state of Wisconsin employees are being affected the most by these changes because they are being affected on such a large scale.

What Should Women Consider When Choosing Their Plan?

  • Provider: If you are seeing a provider that you would like to continue seeing in the future, make sure that provider is covered by your new health insurance plan. If you are currently seeing a provider at Women’s Care, we suggest looking into Common Ground Health Cooperative, Security Health Plan, or WEA Trust.

  • Benefits: Make sure you really understand the benefits of the plan you’re considering, particularly preventative care benefits and the benefits that are important to you and your family. Pay attention to what you’re paying out of pocket, if there’s a limit to what you’re paying out of pocket, and what you’re responsible for.

  • Deductible: As we start seeing plans with higher deductibles, it’s extremely important for patients to understand what happens after their deductible is met. Is there more money you still have to pay? If so, how much and until what amount?

  • Fertility Treatment / Pregnancy: If you’re looking into fertility treatments or if you may become pregnant, we really encourage you to pay close attention to those specific benefits for each plan. Fertility is tricky because some insurance plans will cover a portion of it, while others won’t cover any of it. Choose the plan that’s right for you to avoid paying out of pocket later on.

  • Birth Control: If you have a preferred birth control method, figure out how it’s going to be covered by your new health insurance plan and understand exactly what your benefits will be for the next year. Our government is changing and insurance companies will follow suit in the near future, so this is a very important area for women to consider!


Choose What’s Right For You

With all of the health insurance changes taking place this year, it’s crucial to research your options and take the time to understand everything that’s available to you.

“Don’t be afraid to reach out to different health insurance companies and ask questions before you select your plan, and also afterwards,” Tasha encourages. “Understand what your coverage is so that you’re not surprised when you get your next medical bill. I hate to see patients that are surprised because they thought something was covered and it wasn’t. No one ever wants to be in that position.”

For state employees, enrollment has already started and will close on October 27th, so be sure to get your research done so you can choose your plan soon!

As for everyone else, open enrollment is scheduled to begin November 1st and end on December 15th. It’s important to note that this year’s enrollment period is shorter than it has been in the past. Originally, open enrollment was scheduled to run through January 31st. However, the DHS’ proposal to cut the duration of the enrollment period in half was approved, so be sure to enroll early!

5 comments:

  1. Herpes Finally Gone, thanks to Dr. Utu for his Herbal Treatment.
    I had a sudden onset of cold sores and a new one was appearing each day. I was on primary immunosuppressant I noticed my body just can't fight the virus on its own. After five days of treatment and no success I suspected herpes I went for test and it was confirmed. God was my strength I met a doctor for treatment. He gave me Dr Utu's contact. I contacted him immediately, This medication was far amazing that within 24-48 hrs the blisters were crusting over. The swelling and redness was decreasing as well. I was on four weeks herpes medication which I completed before going for test. I went for herpes test and then again back to my doctor who confirmed me herpes negative it was really like a dream. What a relief! Feel Free to contact Dr Utu Email:- drutuherbalcure@gmail.com OR WhatsApp :- +2347032718477

    ReplyDelete
    Replies

    1. A world is enough for a wise. I'm SEN.BUKA MORRIS from DENMARK.I was a Herpes patient for 7years ,i suffered a great lost in applying medical treatment to get cure from the virus. It was too scaring having does sleepless nights with Herpes. I went through many hospitals seeking for the solution to my cure all my efforts where rendered useless. I was so frustrated, and lost my lovely wife along the line due to the bad effects of her virus. I became so ashamed of myself. I decided to check on the internet if there could be any possible remedy to this dangerous virus . Then,I came across lots of comments about Dr.CHUKWU MADU HERBAL HOME, who's patience have recommended him of his Good work,testifying how his medicine saved their lives, and there have been living happily negative of their virus. I thought and believe I could be cure as well. Then,I decided to give it a try. To my greatest surprise after contacting him.,I was very happy in our first chat and I believe in everything he said. He really proved to me after going through lots of pics and videos with his patients. I then ordered for his medicine , he prepared and sent it through the DHL service.It was like a joke,but now a dream come through that I'm Herpes free, I have recently been confirmed HSV negative. All thanks to God for showing me the way to Dr CHUKWU MADU HERBAL HOME the great and powerful herbalist. Reach this herbalist on his email [dr.chukwumaduherbalhome@gmail.com] or +2347030936239.

      Delete
  2. ARE YOU AWARE THAT MODERN NATURAL HERBAL MEDICINES OF THIS GENERATION NOW PERMANENTLY CURE DRUG RESISTANT DISEASES LIKE; HSV/HERPES, CANCERS, HIV/AIDS FOREVER WITHOUT A POSSIBLE COME BACK OR AFTER EFFECTS?
    It wonderfully worked for me;
    At first I was a bit skeptical about this Natural cure for herpes and other similar medicines. Discovering people with similar symptoms who are treated and cured by Dr Utu both on medias and in social medias on daily basis motivated me, so I contacted him for help!
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    Some hours later he replied me, then he asked me some private questions, of which I honestly answered, I told him how I have lived and suffered with this disease and how much I will do anything to get rid of it. He assured me of total cure after taking his herbal medicines. It was even more easier than I expected. Also I never even imagined to get my parcels within five working days, but to my greatest surprise my parcels was brought to my doorstep by the end of the second day. I collected the parcel which I followed all the instructions as he had directed. Just as I was told "four weeks medication " my medicine finished in four weeks exactly. From week one of my medication I started noticing positive change in health. and in week two I could tell much more differences and I was so eager to even testify of life again in me.
    I patiently continue medication till the last bottle which was then week four. I was the first person the next day in the clinic for lab test. Not even a particle of herpes was found in my system when I collected my result. Knowing I'm now herpes negative at this point I proceeded to inform my doctor, he doubted me, that day he gave me a month appointment to be closely monitored. It's my health so I waited more six Months and again i went for 'lab test' in a different clinical lab.
    This time the result was still the same as the previous one. Also since this year I have been living my normal life and am still herpes free no symptoms and even till now no cold sore or outbreak. As a result of this herbal cure in my life and my family at large, I can boast of doctors today who through me, now uses African Traditional Roots and Herbs to TREAT AND CURE patients that are, CANCERS, HERPES, PARALYSIS, and HIV successfully today. Many are still ignorant of this I know.
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    ReplyDelete

  3. A world is enough for a wise. I'm SEN.BUKA MORRIS from DENMARK.I was a Herpes patient for 7years ,i suffered a great lost in applying medical treatment to get cure from the virus. It was too scaring having does sleepless nights with Herpes. I went through many hospitals seeking for the solution to my cure all my efforts where rendered useless. I was so frustrated, and lost my lovely wife along the line due to the bad effects of her virus. I became so ashamed of myself. I decided to check on the internet if there could be any possible remedy to this dangerous virus . Then,I came across lots of comments about Dr.CHUKWU MADU HERBAL HOME, who's patience have recommended him of his Good work,testifying how his medicine saved their lives, and there have been living happily negative of their virus. I thought and believe I could be cure as well. Then,I decided to give it a try. To my greatest surprise after contacting him.,I was very happy in our first chat and I believe in everything he said. He really proved to me after going through lots of pics and videos with his patients. I then ordered for his medicine , he prepared and sent it through the DHL service.It was like a joke,but now a dream come through that I'm Herpes free, I have recently been confirmed HSV negative. All thanks to God for showing me the way to Dr CHUKWU MADU HERBAL HOME the great and powerful herbalist. Reach this herbalist on his email [dr.chukwumaduherbalhome@gmail.com] or +2347030936239.

    ReplyDelete
  4. What a Miraculous Recovery!!!
    I will always remember you on this day Dr
    I was totally convinced before I could finished you medicine prepared for me for my Herpes. By Dr. Odey Abang,
    It was actually a sad incident and a painful soles still appearing and was still using the ancylovia ..
    All I was concerned was the perfect cure. Went to seerch about natural remedies for Herpes, then, I came across a comment of a lady who posted how she was cured from 7 years diagnosed of herpes and and much others with Dr. Odey Abang.
    I thought about it and decided to try for my health. I was willing to pay anything to get cured.
    Surprising, my cures came just as soon as I purchased his herbal remedies and sent to me through the DHL.
    I was guid by the doctor on how to apply.
    I felt so relieved a couple of days I used the medicine and could understand the reaction each time I took in the medicine.
    On my last bottle, I was totally convinced, I could see no sole in me and my habitat was good for my taste.
    I went to the hospital and my doctor confirmed me herpes negative. It's over a month now still showing negative.
    This is my life story and I'm using this to thank all those posting about Dr. Odey Abang for his cures and help for total cures
    His medicine are very effective, 100% qurantee with active immune booster.
    Contact him directly

    Odeyabangherbalhome@gmail.com

    for you're cure to
    Herpes, HIV/Aids, Diabetes, infertility, irregular mesturatio, Fibroid, etc

    ReplyDelete