How-To…

Enrolling in and using health insurance can be confusing, even when you know that you have great coverage and providers. The acronyms alone can throw you for a loop. We can simplify the process, though, by showing you how to navigate your coverage. You can easily find providers and discover even more ways that you can save money by using your CDPHP health insurance. For example, some policies will cover gym memberships, visits to nutritionists, or other wellness and lifestyle benefits.

We’ll also address the questions you may have surrounding your insurance plan. What really happens if you need emergency medical care? Which preventive services does your insurance cover? Do you know which providers are in your network? What if you have to see an out-of-network specialist? When is it more cost-effective to go to an urgent care center, rather than an emergency room? Are there additional costs besides the copay that you will have to pay for certain services?

CDPHP strives to not only provide excellent health care coverage for you and your family, but also to give you answers, making your plan simple and stress-free to use. In this section, we’ll discuss some of the nuts and bolts of how our plans work so that you can be ready with your best asset: Information.

Recently posted in How-To…

medicare advantage

Medicare Advantage 101

What is a Medicare Advantage Plan?

A Medicare Advantage plan, sometimes called a Part C plan, is a health plan offered by a private insurer like CDPHP® to provide Medicare Part A coverage (inpatient hospital visits, skilled nursing facility stays, home health care visits, hospice care) and Part B coverage (doctor visits, outpatient services, preventive care, some home health visits). continue reading →

emergency care

The Urge to Merge

The Capital Region is booming with multi-specialty health care complexes that are ready and waiting to meet all your health care needs. For example, if you hop on the Northway, you’ll find two new 24-hour urgent care centers that can handle dozens of medical emergencies. continue reading →

Electronic Medical Records

Understanding Electronic Health Records

What are Electronic Medical Records and Electronic Health Records?

Every time you visit the doctor or a hospital, notes are made in your patient chart — everything from the way you present to the doctor or nurse to what your diagnosis is and what prescriptions were written. We have all been asked to complete a patient medical history form before a procedure, or even at routine office visits. If you visit more than one physician regularly, or if you have had various doctors throughout your lifetime, your medical records likely exist in multiple charts in different doctors’ offices. An electronic health record (EHR) is designed to streamline this process. In essence, it’s a systematic collection of patient health information in digital format that is able to be shared across various health care settings. continue reading →

Decoding Rx Benefits

Decoding your Rx Benefits

Prescription medications can have a big impact on your health – and on your wallet. That’s why it’s so important to understand how your prescription drug coverage works – which drugs are covered, how much they cost, and how it all works. We can guide you through it. continue reading →

ER vs Urgent Care

Urgent Care vs. ER: How Do You Choose?

It’s important to know when and where to go for care. If a health concern arises after hours and you cannot wait until your physician is available, an urgent care center may be the best choice.

Without doubt, the ER is appropriate when immediate medical treatment is needed for a serious accident or emergency. If you or a loved one experience a life- or health-threatening medical situation, call 9-1-1 or proceed to the nearest hospital right away. continue reading →