Keeping your health insurance on track

By Grek Tibli


In a time when health care policies are sweeping the nation with changes it has come into evidence by study after study that Health care prevention is the key source to avoiding health care neglect.

Many doctors are on board with health care prevention- also called routine care; as this helps your doctor track or prevent problems before they become serious. As soon as you join a health plan check out several medical facilities and choose a doctor whom you will be comfortable with for a long time, schedule a new-patient appointment and get to know the doctor. Different people need different types of doctors it is ok to look around until you find the doctor and or facility you like. It is important that you are comfortable with your doctor as you will share your age, and any health problems you may have.

Your doctor will also want to know of your family's medical history, for example, has there been any cancer in the family- mother, father's side. Some families are high risk of heart disease; some ethnic groups have a higher risk for diabetes. By talking with you your doctor he/she can then best determine if you might be at risk for a certain disease or condition and start screening tests earlier or more often.
Stop the Ouch! According to a recent study done by The Commonwealth Fund Health Insurance, more than a quarter of adults ages 19 to 64 experienced a gap in their health insurance sometime in the one year they were enrolled. Divorce, death in the family, employer stopped offering benefits, work hours changed- full time to part time, are just some of the reasons for the gap; 67 percent said the health care gap was due to losing or changing their place of employment and since vast majority of Americans have employer-based health insurance many have insurance coverage gaps for a year or more.

Adults who try to buy into a health plan on their own have continually sited concern for the process of enrollment- that it is a difficult one to navigate; the benefits of each plan are difficult to compare to that of other plans, it's difficult to compare premium costs, and difficult to understand the requirement for each individual plan. Some who have found the coverage they needed were turned away, or find the coverage impossible to afford, others claim they are being asked to pay more or being excluded because of a preexisting condition. Those who found they had a gap of no insurance to be more than a few weeks found the process to start over with enrollment was exhausting and if, or when a plan was sought after the cost was too much; all this hassle and stress leads to more than 45 percent never ending up buying into a plan.

Adults who have continuous health care coverage typically create a relationship with their doctor but those patients who experience gaps in their coverage are less likely to have a regular doctor to do preventive care visits, and often dismiss health conditions that would cause a medical professional concern.

The majority of adults enrolled in Medicaid who lose their coverage is often result of income or age that changes their eligibility, and then many Medicaid members do not reenroll when they need to because they are unaware of the time line for enrollment.

If you should need to visit a doctor for more than jus
Adults who try to buy into a health plan on their own have continually sited concern for the process of enrollment- that it is a difficult one to navigate; the benefits of each plan are difficult to compare to that of other plans, it's difficult to compare premium costs, and difficult to understand the requirement for each individual plan. Some who have found the coverage they needed were turned away, or find the coverage impossible to afford, others claim they are being asked to pay more or being excluded because of a preexisting condition. Those who found they had a gap of no insurance to be more than a few weeks found the process to start over with enrollment was exhausting and if, or when a plan was sought after the cost was too much; all this hassle and stress leads to more than 45 percent never ending up buying into a plan.

Adults who have continuous health care coverage typically create a relationship with their doctor but those patients who experience gaps in their coverage are less likely to have a regular doctor to do preventive care visits, and often dismiss health conditions that would cause a medical professional concern.

The majority of adults enrolled in Medicaid who lose their coverage is often result of income or age that changes their eligibility, and then many Medicaid members do not reenroll when they need to because they are unaware of the time line for enrollment.

If you should need to visit a doctor for more than just a "regular" check-up, make sure if any tests, or x-rays are done that your are given the choice for a copy of your test results, and or x-rays for your records, these are especially nice to have if you need to change doctors for any reason. The key is to be prepared and take care of yourself, so you can live a healthy, productive life.




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