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!

11 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.  I am overwhelm with joy and happiness and i am happy to share this with you all around the world about how Dr.CHUKWU MADU HERBAL HOME cured HERPES VIRUS...ever since i was diagnosed of Herpes virus in 2015, I was always thinking on how  I can get a solution out of my body so that i can be okay again. Until One day I went online on the internet to know more about the Herpes Virus i came across a Review Comment many people are saying that Dr.CHUKWU MADU HERBAL HOME cured their Herpes Genital Virus, I did not believe, i search again and i saw a testimony of someone who has been healed from HPV AND HIV by Dr.CHUKWU MADU HERBAL HOME..and i decided to contact Dr CHUKWU MADU HERBAL HOME to Help and i told him about my HERPES illness he told me not to worry about,that he is going to send me his herbal medicine and actually he did.i took the medicine just as prescribe by him, he told me to go for check up in the hospital which i did and to my great surprise my Doctor told me the Herpes Virus was no longer there, all thank to you sir Dr CHUKWU MADU HERBAL HOME, contact his WhatsApp Number: +2347030936239 .His email: dr.chukwumaduherbalhome@gmail.com. His herbs are very powerful and has no side effects. He can cured all kinds of Viruses, diseases, sicknesses.

      Delete
    3. I’m indeed very happy for the great help that Dr Osebor rendered to me,I was diagnosed with HSV 2 on July 7, 2017 and I have tried all possible means to get cure but all to no avail, until i saw a post in a health forum concerning herbal doctor Dr Osebor, who prepares herbal medicine to cure all kind of diseases/Infection including Herpes Simplex virus Type 2, at first i doubted if it was real but decided to give it a try, when i contact this herbal doctor via his email,oseborwinbacktemple@gmail.com He assured me of a cure, he prepared a herbal medicine and sent it to me via courier service, when i received this herbal medicine, he gave me instructions on how to use it, when i applied it as instructed, i was cured of this deadly virus within 18 days of usage,he told me to go for a medical check up and i went for test, I couldn't believe i was negative and the HERPES VIRUS in my body got cured, I and my family are so happy and grateful to God for using Dr Osebor to Liberate me. Reach Out to this great herbal doctor via his email : oseborwinbacktemple@gmail.com you can also reach him on WhatsApp +2348073245515

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  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!
    At first, I was a bit curious about this possible cure, but! I don't want to be left out without giving it a trial, so I contacted him as well.
    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.
    Contact Dr Utu directly today on; "drutuherbalcure@gmail.com" to free yourself from emotional stress and become healthy again

    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
  5. I Want To Appreciate Dr.OYAGU for his great deeds, I Was Diagnosed With type 2 Herpes Virus Last year,And i Was Looking For Solution To Be Cured Luckily I Saw Testimonies On How Dr.OYAGU Cure Herpes Virus I Decided To Contact Dr.OYAGU I Contacted Him He Prepared A Herbal Medicine Portion And Sent It To Me,I Started The Herbal Medicine For My Health.He Gave Me Step By Step Instructions On How To Apply It, When I Applied It As Instructed, I Was Cured Of This Deadly Herpes Within 2 weeks, I Am Now Herpes Negative.My Brother And Sister I No That There Are So Many People That Have The Same Herpes Virus Please contact Dr OYAGU To Help You Too,And Help Me To Thank Dr.OYAGU For Cure Me, I’m Cured By Dr. OYAGU Herbal Medicine,His Contact Email:oyaguherbalhome@gmail.com

    Or Cell Whatsapp Number +2348101755322 thank you

    ReplyDelete
  6. Dr AGBOMINA Herbal medicine is a good remedy for herpes simplex virus cure. i want to inform the public how i was cured from (HERPES SIMPLEX VIRUS) by DR AGBOMINA , i visited different hospital but they gave me list of drugs like Familiar, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how DR AGBOMINA cured them, when i contacted him he gave me hope and send a Herbal medicine via UPS ( Delivery service ) to me and i drank it, seriously it worked for me, am a free person now without any problem, my HERPES result came out negative... Contact him if you need his assistance email him dragbonherbalmedicine@gmail.com or whatsapp him on +2349039139161

    ReplyDelete
  7. It’s obvious some patients with herpes are being enslaved to the antiviral and other supplementary Orthodox medicine just to help suppress the virus and not a cure. I have been with the virus since 2015 until I was introduced by a blogger who also narrated her story online on how she was cured of Genital Herpes after using Dr Sikies Herbal Medicine. This is a year and 2 weeks since I was delivered from genital Herpes. All thanks to God for using this Great herbalist to heal me. I have promised to keep telling good things about Dr Sikies. Please feel free to share Your problems with him and don’t forget to tell him I did refer you to Him. Thanks. Write him on mail Drsikies@gmail.com He deals with Alzheimer virus, Cancer, HIV, Herpes, Genital, warts, ALS, BV, UTI, Virginal infection, Genital, Wart, HPV, Hepatitis A/B, Good luck, HSV, Pregnancy, Ex back.  

    ReplyDelete
  8.  I am overwhelm with joy and happiness and i am happy to share this with you all around the world about how Dr.CHUKWU MADU HERBAL HOME cured HERPES VIRUS...ever since i was diagnosed of Herpes virus in 2015, I was always thinking on how  I can get a solution out of my body so that i can be okay again. Until One day I went online on the internet to know more about the Herpes Virus i came across a Review Comment many people are saying that Dr.CHUKWU MADU HERBAL HOME cured their Herpes Genital Virus, I did not believe, i search again and i saw a testimony of someone who has been healed from HPV AND HIV by Dr.CHUKWU MADU HERBAL HOME..and i decided to contact Dr CHUKWU MADU HERBAL HOME to Help and i told him about my HERPES illness he told me not to worry about,that he is going to send me his herbal medicine and actually he did.i took the medicine just as prescribe by him, he told me to go for check up in the hospital which i did and to my great surprise my Doctor told me the Herpes Virus was no longer there, all thank to you sir Dr CHUKWU MADU HERBAL HOME, contact his WhatsApp Number: +2347030936239 .His email: dr.chukwumaduherbalhome@gmail.com. His herbs are very powerful and has no side effects. He can cured all kinds of Viruses, diseases, sicknesses.

    ReplyDelete