Your Questions About Health And Wellness Insurance

Your Questions About Health And Wellness Insurance

How will an eye doctor perform eye examination without refraction? UHC restricts the wellness plan to it.?

Our health insurance “benefit” plan states the next: Types of coverage, wellness plan, eye examination without refraction. How does it look like in the reality? Will the doctor stop: “oops, I can not check if you need glasses, but you might have cataract”. Where is the benefit? Insurance plan: UHC Choice PLUS, for a family of 3: $ 300 per month.

admin answers:

From what you describe, it does appear that your plan would cover what is called a “medical eye exam” but not the exam required to prescribe glasses. There should not be any “oops,” but rather an up-front explanation that if you would like a prescription for glasses you will have to pay out-of-pocket for that.

Dealing with modern insurance is frustrating for both the patient and the doctor. Remember that it is the insurance (not the doctor) that makes the rules. A refraction is a time-consuming task that takes skill to perform properly. If it is not covered by your insurance expect to pay anywhere between $25-90 (depending) for this.

Sincerely,

David D. Richardson, M.D.
Medical Director

San Gabriel Valley Eye Associates, Inc.
LA and So Cal’s Trusted Source of Eyecare

207 S. Santa Anita Street, Suite P-25
San Gabriel, CA 91776
626.289.7856

Does anyone have the PETSMART OPTIMUM Wellness Plan or heard of it?

I have a 14 week female puggle that I just got. She needs her vaccinations and I will take her to the vet this week. I heard PETSMART is affiliated with this hospital called Bansfield and they have an optimum wellness plan where all the office visits/vaccinations are covered. Does anyone have any idea on how this plan is? Is it worth getting it so I can save money? How much do you think I will pay monthly? Are the doctors reliable?

admin answers:

Hi! I volunteer at my local Banfields and I can honestly say you SHOULD go on a wellness plan. The doctors are reliable, but you wont have the same one every visit unless you request them. Generally thats not an issue because we take VERY detailed notes on every single patient and owner–and if the doctor you first saw is available they usually see you anyway! There are a bunch of different plans, but the two for puppies are the Primary and the Basic. The Primary covers every office visit, all vaccinations, examinations by the doctor, heart worm test, fecal exams to look for intestinal parasites, ear swabs-to look for mites, yeast, and bacteria, the basic dewormer which covers the two most common type of worms, and an unlimitated number of interstate health certificates whenever you need one. You also get 5% discount off of anything else you buy from Banfields! The Basic covers the same thing plus neutering/spaying and you get a 10% discount. It isnt much per month, I believe Priamary is less then $20 and month and the Basic is less then $30.

EDIT: Keep in mind that that Wellness Plans are NOT insurance. A lot of people get confused about that, its morely a sort of payment plan for the things you are getting: although you can also pay the yearly balance up front

Why can’t 5/8 of Americans explain the difference between car insurance and Obamacare’s mandate?

What, too much sports or dancing with the stars or porn or FM music?

Here is the test. Can YOU explain the difference between volunteering into a regulated enterprise (when you asked for a drivers license and promised to obey all the provisions of the vehicle code) and when the full Power of the IRS is brought down on you because you did not sign a contract (to buy medical insurance).

What’s the difference? Can you explain it?
I can, but it’s worth a whole book. Can you do it in brief form here?

admin answers:

Several of the differences are, state vs federal law and the tenth amendment. You do not have to have car insurance to have a drivers license, you can have the license and not own a car. Or cancel the ins if you are keeping your car parked long term. And the biggest difference to me is that the car insurance laws only require you to buy liability ins. To cover damage you do to others. You are free to take the loss yourself if you damage your own car. You do not have to by law protect yourself with insurance. The new healthcare insurance law requires me to buy an insurance product iregardless of any actions on my part to cover a list of things that i do not need or want to cover. I have no need to be insured for contrception but will be forced to buy it within the policy. Also the forced purchase of the policy is based on the idea that i wish to have treatment at any cost for things like cancer and i do not. I also do not want to be on a wellness program where they moniter my lifestyle to protect my life. As i said the biggest difference in the two is car insurance is a law to protect you from my actions and the health law is to protect me from my own actions or life risks, one I believe the government has a right to do the other they do not have the right to do. Oh also I diagree with thecurrent laws that force doctors and hospitals to treat those that cannot pay for free. While it is good for the indigant patients, it is nothing more than theft of service from the doctors.

Is it difficult to practice clinical psychology in the US with a PhD from the UK?

I am a senior Psychology/Exercise Science double major in the US. I have a strong GPA (3.64 total, 3.8 Psych, 3.72 Exercise Science, and 3.37 Gen Ed.) and have completed 2 academic internships with a nutritionist where I worked at a local free clinic and assisted in teaching college classes in nutrition and wellness. I am also a student work supervisor through my school’s work program. I am in the Psi Chi international psychology honors society and my college’s chapter of the Psych Society.

I am planning on getting my PhD in Clinical Health Psychology and practicing as a clinician. I volunteered for six years at a local hospital and am very comfortable in a hospital setting, though that work was not psychology related. I am looking at programs here in the states and they are very expensive and generally take longer to complete than abroad. I have been looking at programs in the UK, but to practice in the US, you must have a degree from an APA accredited program; programs in the UK are not accredited by the APA, but by the BPS.

My question is this: would it be possible for my to complete my graduate work in the UK and then come back to the US and be accredited by the APA? If not, could I get my masters in the UK and then come back and complete the PhD in the states?

Thanks!

admin answers:

US – programs must be accredited by the APA, and that’s final. NO UK programs are APA accredited. The market for Clinical Psychology in the US has been glutted since the 1970′s. Insurance reimbursements have declined & lots of restrictions. Clinical Psychologists are doubling-up multiple part-time jobs with private practice and many are barely getting by. If you are not a US citizen, forget working in US. If you are a US citizen, go to APA-accredited university, work your butt off, and pray a lot.

Are there big savings with an HSA account for those who hit their insurance deductable every year?

Is the HSA more for people with little medical expense. I am thinking the HSA maybe good for my situation however a wrong choice with medical insurance could make me go bankrupt….
Are prescriptions still paid using a copay at the tiered rate or do you pay the full cost of the medication up to the deductable????

admin answers:

An HSA account is not the actual insurance plan.

The HSA is designed to be used in conjunction with a High Deductible Health Plan (HDHP) and is similar to an FSA (Medical Reimbursement Account) in that it allows you to use pre-tax dollars to pay for your medical expenses. However, each HDHP is designed differently.

You need to budget how much money you can contribute INTO the HSA plan to help you offset any major medical expenses that may come up, but since each plan is designed differently and only you know your personal financial situation – you’ll probably need to do some basic number crunching to figure out if it will work for you.

Some plans require you to meet the entire deductible before the plan kicks in and then pay 100% of your “covered” medical expenses after that (which would be a huge savings), but then again, some plans pay wellness benefits and certain other benefits, but still require you to meet the deductible before the plan kicks in for any other expenses and then may still require a co-pay on top of that.

Most of them do cover prescription benefits as well, but a tiered system is still going to depend on your company’s plan design and really doesn’t have much to do with the actual HSA.

The biggest benefit with the HSA is that you get the benefit of using the pre-tax dollars vs. Paying with after-tax dollars and most of them ALSO accumulate interest (around 4%).

EXAMPLE:
Assume you have a $1500 Ded. You contribute $50.00 every two weeks for a total of $1300 (+any interest).

BENEFIT #1: This is $1300 that comes off of your total taxable income at the end of the year regardless of whether or not you use it. (Tax Shelter)

BENEFIT #2: Assume you have a $1000 emergency room visit. You can use that $1000 from your HSA and get the full benefit of that dollar earned to pay for it vs. Using after-tax dollars likely taxed at 25% (average). (Imagine $.75 cents of that same pre-tax $1.00)

So you essentially have to pay 25% more with your after-tax dollars to cover that same $1000 ER bill by not using the HSA.

BENEFIT #3: If you don’t use all of it, whatever money is left over (i.e. $300 + accrued interest) can be rolled over and you can still continue to contribute until you meet the HSA cap (again specific to most plans or banks)

This is very much a cliff notes version of an HSA and there’s no way to completely answer your question here, but hopefully this will give you some guidance and help you make a decision.

Body Mass Index (BMI) is a method of calculating the ratio of body fat to the height of the body. Invented by Lambert Jacques Quarelet in the nineteenth century, the BMI has been accepted globally as a reliable method of calculating the fat content of the body and detecting the potential health risks. BMI is generally treated as a basic measure to test a person’s health. Based on the results of this, further health check-ups are suggested by the doctors to detect specific health conditions. BMI calculator calculates the height and weight of a person and projects it on a graph. Then it classifies the result and puts it under categories ranging from starvation to extremely obese.

The BMI calculator, however, does not show the actual fat in the body. It just provides the basic indication to the doctors to identify if the person is healthy or needs further medical attention. Based on the score, the doctor prescribes further tests if any anomalies are indicated.

To calculate BMI, divide your weight in pounds by your height in square inches. Multiply the result by a conversion factor of 703. You will obtain a two-digit number. In this result, below 19.5 is considered to be underweight. From 19.5 to 24.9 is considered to be normal, 25 to 29.9 is overweight and 30 or above is obese. However, it must be kept in mind that men have more muscles whereas women have more fat in their body. Besides, muscles are heavier than fat. Hence, women also have a separate BMI calculator for more accurate results. BMI is a basic measure of a person’s health. Doing it on regular intervals can help you to maintain right weight and lead a healthy lifestyle. It can also help you to design the ideal diet plan for yourself.

Even doctors suggest that you must always consider your BMI while formulating your diet plan or starting on a diet and exercise regime. Based on your BMI results, you may need a different regime than others. It is suggested that you get your BMI measured at least once in a year to ensure that you are leading a healthy lifestyle.

Regular check-up can help in determining any health risk at an early stage and may avert a major danger. Obesity-related diseases such as heart diseases, diabetes and some cancers are grave and life threatening. Early detection can ensure that they do not become critical and are treated in time.

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