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.
Once again, the holidays have snuck up on me. It happens every year – the calendar flips to November and bam – I’m hit with toy catalogues and holiday commercials. While you’re making your list and checking it twice, pencil in some time to think about your flexible spending account (FSA).
The year you turn 65 is an exciting time of life! It’s also the year you get to enroll in Medicare. Maybe you’re newly retired and making plans for travel, volunteering, or babysitting the grandkids. Maybe you’re postponing retirement because you’re still full of enthusiasm for your job. Maybe you’re not sure what lies ahead, but you’re determined to make these years your best yet!
When traveling to a foreign country, you’d expect to interact with people who speak a different language. To prepare, you might brush up on words and phrases to get you through your trip without having an awkward encounter with a waiter or cab driver that leaves both sides feeling helpless. You might even download a language translator app and have it ready to go on your smart phone.
However, you take no such precautions when going to the doctor.
It’s my doctor! We speak the same language … right?
When it comes to understanding health care terminology, it’s not always, well…easy to understand. As you’re reading through your benefits overview online or when you receive a medical statement in the mail, do you ever find yourself quickly glossing over the details feeling more confused than before?
You may not think about your health insurance ID card very often. After all, it probably spends most of its time in your wallet—until you, your doctor, or another medical provider really need it.
Let’s take a minute, though, to look at the many important pieces of information you can find on your card. After all, it’s your passport to care and coverage, so you should know what all of the fields of information really mean. continue reading →