A health insurance policy is often described through a ream of paper and the kind of language it uses (with all that technical file1031263254030jargon) it may become very difficult for you to review it without the help of your insurance agent. However, if you keep in mind the following things, you can definitely review it yourself. You may not necessarily find all the facts in your policy (especially if it is provided by your employer), but you must know how to work with the facts that are available to you.

What And Where?

When it comes to reviewing a health insurance policy, the first thing that you have to do is to examine the types of services that you can use and where you can use the same. The basic idea is to get a feel for the key points that are covered. Will you be able to use your policy if you are out of the station? Which places are covered and which are not? Where are the hospitals located? Is there a specific network of doctors you need to visit or can you use the services of your preferred doctors? Is your physician listed in the network of doctors that the policy covers?

Summary Of Benefits

Instead of reading the entire pile of papers that a health insurance policy contains, you can effectively review the facts just by examining the summary of benefits. For example, you should check how much the annual out-of-pocket maximum is for families and individuals. Likewise, the amount of annual deductible is also important. In most policies, these amounts are shown as the percentage of the total value of the policy. Calculate the actual amount and see if you can afford to pay the same. For example, is 20% deductible on a policy of $100,000 feasible for you? Besides that, you will also have to make sure that you are not obligated beyond the maximum annual out-of-pocket expenses.

Outpatient And Inpatient Services

While examining the outpatient and inpatient services in a health insurance policy, you should check the fees for day surgery and the office visitation fee. The fee can be mentioned either in a dollar amount, such as $50 or as the percentage, such as 20%. Now, calculate the fee after taking into consideration the amount of deductible. In any case, make sure the final amount is limited by the annual total of out-of-pocket expenses. When the amount crosses that annual maximum, the expenses will be covered under the Major medical coverage.

Exclusions also make a key element in a health insurance policy. Exclusions may include various services, such as cosmetic procedures, genetic testing, elective treatment or surgery, weight reduction surgery, or others. Before you read the exclusions, you should examine the health condition of your family including you. Make sure that the exclusions do not include a service you definitely need.

Williams and Associates LLC can help you review and choose your new insurance policy in 2017.

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In Home Health Care – LA

Posted By on Aug 16, 2016

Most elderly people like to be taken care of at their homes; home is a place where one is familiar with, comfortable and this is the reason why it might be a bit difficult for them to adjust when relocated. Everyone would like to be close to their senior relative but in some cases; some complications may arise that need support. Some unique situations include physical weakness or mental conditions and these conditions require more attention hence a caregiver might be paramount. Elderly relatives can be a challenge; reason being they experience additional health matters. Therefore, it’s troublesome for them to live self-reliably in their homes. In-home care consents your elderly loved ones to relish the rest of their lives in the comfort of their homes with the help they may require.

Benefits of In-home Care for seniors
• Company. Depression is one of the primary health matters affecting the elderly, and this condition is induced by loneliness and isolation. It is normal that children grow up and move away from their parents to start their lives and this result to the loneliness of the parents as they age, it also applies when a loved one dies; this leads to detachment of the concerned as well.


• Education. The in-home caregiver will teach you how to help your elderly relative. The caregiver knows all the flukes, strengths, and weaknesses of the persons they are giving care, so it is simple to learn through the caregivers by discussing and watching their moves all the time.

• Freedom and self-respect. If you can help your loved one preserve as much independence and freedom for as long as it is imaginable, you can assist them to hold their self-respect too. They can still have control over their surroundings if they have assistance at home.

• Health upkeep. Personalized care significantly benefits your senior since the caregiver will be able to observe his or her health carefully; a caregiver can swiftly note changes in the senior’s health. Changes in health demand quick reactions as it will help improve general health and reduce chances of other health issues.

• Familiarity and wellbeing. It is evident that your loved one has spent all their years at home or in that precise environment, they are used to the environment and relocating them won’t do them well. Provide them an in-home assistance so as they retain their sense of ease and environment they are used to. It is amazing that this can help them recover from illness in their familiar place.

• Housekeeping. The mobility of senior people declines as they grow old. Individual in-home caregivers offer house maintenance services which reduce the load of cleaning the home daily. They can also offer other extra services as buying groceries, and doing other easy jobs at home.
In-home caregivers are greatly better than nursing homes.

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Zika Virus Still Active

Zika Virus Still Active

Posted By on Jul 28, 2016

Following the recent events in Brazil and some parts of Africa, scientist is still finding new ways to suppress the effects of Zika virus. There are still a lot of unanswered questions regarding the virus symptoms and how the virus is spreading. They did not reveal anything new about the virus although it is still active and the actual number of infected is still a mystery. It is known that approximately 1.5 million people are infected with this virus that causes microcephaly, that is affecting the growth of the brain in babies.

Unanswered question.

The press is releasing information regarding the virus that they think is the most important but there are still a lot of questions that remain without an answer.

The public is concerned also by the inaccurate numbers of infected, where some countries state that only 500 thousand are infected, other say that more than 1 million people are registered with symptoms of Zika virus.

Can it be sexually transmitted?

The scientist still disagrees with the idea the virus can be sexually transmitted although there were several examples to prove that it actually is possible. The mosquito that carries the virus can bite several people over one night if the virus would prove to be sexually transmitted It would make matters much worse. This could double the number of infected in only a couple of months, as the statistics show.

Who is affected?

The studies show that around 80 percent of people that are bitten by the mosquito carrying the virus, don’t have the symptoms at once. So we can only suspect that the other 20 percent are immune. Why and how is this possible remains a mystery still, but scientists believe that the answer for a cure lies in this 20 percent.

How dangerous is it?

The virus is believed to cause microcephaly. The studies still have to prove that this is the case, but the leading opinion is that it does affect the brain growth in newborn babies. The numbers are still not accurate, and scientist is still not 100 percent positive that every infected person’s child will be affected this way.

For now, we know that one from every 100 babies are having difficulties with brain growth. Other studies show that it happens once in 1000 cases so there is no accurate information about it.

The virus was first seen in Asia before it spread to Africa and eventually noticed in Brazil. A portion of the population in Africa may be immune to the virus, due to the longevity of existence of the virus in these parts. Asia is a high population country also so there are immune people in it as well. I will take some time to determine the birthplace of the virus but scientists still state that it is central Africa due to the climate. The climate that mosquitos prefer is perfect there so this location has the biggest chances to be the place of origin. For now, there are no vaccines produces to act as an antidote.

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