We all have good and bad habits. Creating a routine for yourself and encouraging healthy habits can help you accomplish your health goals.
There’s no downside to being healthy; it can boost your energy level, improve mental performance, help you reduce your risk of chronic diseases and lead to a happier, more productive lifestyle. So, what happens when you combine healthy habit tracking and gamification?
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There’s a reason that 49% of Americans receive their health insurance through an employer-sponsored health plan. It’s a tax-advantaged way for an employer to provide “income” to an employee. It’s not really income--there’s nothing extra in an employee’s paycheck. However, it is tax free additional compensation in the form of health insurance benefits for an employee, and it’s tax-deductible for an employer to provide the benefits.
To understand why we have employer-sponsored health plans, a quick history lesson is needed. It’s that time of year again for many employers. Health insurance renewals may feel like a pain; however, they may be one of the most important decisions you make each year.
Your renewal is the time to start a conversation with your agent or broker about whether your current plan is working well for you and what type of renewal options may be available for your small business. Short-term medical (STM) plans are extremely beneficial when used as they were intended – for short periods of time. And now, with the coronavirus, these plans are more important than ever.
If you’re an employer sponsoring a group health plan or an insured covered under your employer’s plan, it’s important to learn about Medicare Part D.
Coverage for prescription drugs became available in 2006 for everyone with Medicare. This is referred to as Medicare Part D. If you’re about to become Medicare eligible (the first of the month you turn age 65) and are still covered under your employer's health plan, you need to know some details about your plan’s prescription drug coverage in order to decide what to do about Medicare Part D. If you’re like a lot of employers, your group health benefit plan is up for renewal in the fall. Have you considered what you might do if the increase in premiums is more than you can afford?
It never hurts to shop around. Just make sure you’re not focusing only on price. An inexpensive plan might cost you and your employees more in the long run. Here are a few questions you should ask your broker about your plan options. Blog updated on 11/10/21 For the minor health issues in life, seeing your doctor virtually is rapidly becoming the favored way for someone to seek immediate help any time – day or night.
And these days, skipping the waiting room and connecting with your doctor via a video chat is one way many health care providers are trying to prevent the spread of COVID-19. So, how does a virtual doctor’s office visit (commonly known as telemedicine) work? The benefits covered under a doctor’s office visit copay vary widely among health plans.Compare Allied National’s Funding Advantage office visit benefit to the competition and you’ll quickly discover that our benefit plans are unique. Allied’s health plan copays cover almost anything that happens during the visit up to a certain dollar amount. Many health plans only cover the actual doctor exam or visit under the copay. So, what's a copay? In order to understand what kind of health care coverage you have; you need to understand key insurance terms and practices. This will help you identify the services your plan will pay for and how much you will owe for each visit or medication.
Cost sharing is the concept of individuals and insurance companies sharing medical costs. It has come into favor as a way to keep premiums in check for individuals. It also helps curtail over utilization of services, which keeps costs down for insurance companies. Cost sharing primarily comes in three forms. It can be upsetting to receive an unexpected bill for medical services. Before you panic, do some research. You need to understand what the bill is for and who really has the responsibility for its payment.
This is called balance billing. Balance billing occurs after your insurance company has paid everything it’s obligated to pay – but the provider wants more. For example, if your doctor charges $100 for a service, your insurance company might pay them $70. Who is responsible for the other $30? Is it part of your required out-of-pocket costs (copays, deductibles, coinsurance)? |
Welcome to the Allied BlogAllied NationalAllied National is a 90 Degree Benefits Company, a subsidiary of Blue Cross Blue Shield of Alabama. Founded in 1970, Allied National is one of the nation's oldest and most experienced third-party administrators. We're the small group benefit experts working to provide unique and affordable group health benefits to small business employers. Categories
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