Read your plan’s coverage documents, every year, even if you think you know what they say. Before you can figure out how to use your plan, you have to know what’s in it. Especially important to know your plan type – HMO? EPO? PPO? Also, know your deductibles and out-of-pocket cost limits. Find yourself a …
5 Tips to Get Most out of your Health Insurance CoverageRead More »
If you have a new or different medical, dental and/or prescription drug plan for 2023, the insurance company will send you a new ID card, along with other important plan information. It is important that you open all mail from your insurance carrier as it will include your plan documents, ID cards and premium information. …
2023 Coverage: 10 Tips to Prepare So You’re Ready When You Need ItRead More »
It is open enrollment time! Does your company offer a Health Savings Account (HSA) plan or a Flexible Spending Account (FSA) plan? It might be in your best interest to enroll in one or both of these tax savings accounts. A Health Savings Account (HSA) is a type of savings account that lets you …
Employer Health Saving Accounts (HSA) vs Flexible Spending Accounts (FSA)Read More »
As we approach the end of the year, there are several points to remember regarding your 2022 healthcare benefits and looking toward 2023. A few deliberate actions will help you avoid costly mistakes. If you have met, or are close to meeting your deductible, schedule doctor visits and procedures before the end of the …
Maximize your Healthcare Benefits in the 4th QuarterRead More »
Do you want better health insurance and/or prescription drug coverage in 2023? You can make a change! See the details below. 2023 Healthcare Open Enrollment Season is Approaching! It’s time to review your coverage if you have Medicare, an employer, or an individual/family plan. During the Open Enrollment period for healthcare insurance, you can …
2023 Healthcare Open Enrollment Season is Approaching!Read More »
We all pay a lot for our health insurance plans and it is amazing how little we understand about our coverage. Being aware of your insurance plan benefits and care options, preparing for the care and treatment you may need, and being proactive about managing your care and benefits can have a significant impact on …
Be Aware, Prepared, and Proactive about your Healthcare Needs and Insurance BenefitsRead More »
Planning a trip or vacation? Make sure you are prepared in case of an accident or unexpected illness. Being prepared in advance will help you to avoid stress, and costly mistakes and may improve your whole experience. Here are some travel tips for you and your family members: Before you leave: Make sure you take …
Proactive management of your health insurance allows you to maximize benefits, efficiently plan for care and treatment, track claims, and save on your healthcare costs. Insurance Premium Payments On-time payments are critical to maintaining coverage. Avoid cancellations. Open all mail from your insurance companies. This is especially true with COBRA. Set up auto-pay and designate …
What happens if your 18+-year-old adult child gets sick? Are you prepared to advocate on their behalf? Do you understand how their plan works? Take these steps so that you are ready to advocate for your Adult child when medical care is needed: Release of Information Authorizations These documents allow you to receive information and …
Be Prepared! Advice for Parents with 18+-year-olds Heading to CollegeRead More »
The value and application of Long Term Care Insurance is growing. As healthcare costs increase, Medicare covers fewer services and reduces benefit allowances for care at home and for inpatient services. Healthcare Pathfinder’s clients who are fortunate enough to have Long Term Care Insurance are accessing benefits sooner to cover services once paid by Medicare. …
Long Term Care Insurance: Why You Need It and When to Use ItRead More »