Smart Tips For Health Insurance
Navigating the world of health insurance can be daunting, whether you are trying to choose the best plan or are dealing with a chronic health condition. Educating yourself about the basics of health insurance with these tips is a great way to ensure that you get the most out of your policy and that you have the help you need when paying for your health care.
To lower the cost of your health insurance, make sure that you have a plan which pertains to your current as well as future needs. For instance, if you plan to have a family, consider plans that include maternity coverage. Also, avoid grandfathered plans, which are exempt from current health insurance requirements.
If you take prescription medications, be sure that your insurance plan covers the cost of these drugs. It's a good idea to check each year, to make sure that your insurer has not changed its coverage for any of your medications. You may also be able to save money by purchasing generic drugs or ordering them by mail.
Let your medical insurance company know that you are traveling. Some companies will not provide any coverage to you or your family in a foreign country unless you purchase extra coverage. You may not end up needing it, but it is always better to be safe than sorry when you are traveling.
Consider opening a healthcare savings plan. These plans are typically for people with high deductibles and allow you to deposit funds for later use on prescriptions and other medical costs not covered in your policy. The deposits you make are usually tax-deductible, so take advantage of this offer if your insurance company provides it.
It is important that you take price into consideration when looking for medical insurance. Although having health insurance is very important, you do not want to end here up losing it because you cannot afford the premiums. If a potential insurance company's premiums seem too high, shop around for another one. You can even try to negotiate a lower price with your preferred company.
It is important that you take price into consideration when looking for medical insurance. Although having health insurance is very important, you do not want to end up losing it because you cannot afford the premiums. If a potential insurance company's premiums seem too high, shop around for another one. You can even try to negotiate a lower price with your preferred company.
As previously stated, knowledge is the key to making good decisions when buying health insurance. Take your time, and don't rush into anything until you're sure. If you follow the tips and tricks in this article then you will have the information and strategies that you need to buy insurance with confidence.
Orange County healthcare system is ‘in crisis’ as COVID-19 hospitalizations hit record
The number of coronavirus-positive patients flooding Orange County hospitals has hit crisis levels, prompting one official to warn that the region’s emergency medical system could be at risk of collapse unless steps are taken to alleviate the stress.
Orange County, like much of California and the nation as a whole, has been inundated with an unprecedented influx of COVID-19 patients, which has resulted in some ambulances having to wait hours to offload their patients, according to Dr. Carl Schultz, emergency medical services director for the county Health Care Agency.
The county’s healthcare system “is now in crisis resulting from an overwhelming increase in the number of COVID infected patients,” he wrote in a memo Wednesday to hospitals and ambulance and paramedic providers.
As of Thursday, there were 1,122 coronavirus-positive patients hospitalized countywide — an all-time high and more than double the number from two weeks ago. Of those, 265 people were in intensive care, according to the latest available data.