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.
In today’s fast-paced world, we’re pretty used to getting what we want, when we want it. Information is readily available in the palm of your hand day or night (what did we do before Google?!) and packages are sent directly to your door in less than 24 hours. Want food from your favorite restaurant but don’t want to leave home? There are SO many apps to help with that. Want to watch a movie without leaving your couch? No problem. Need groceries but don’t have time to run to the store? Yup, that’s easy, too. Most of your favorite products and entertainment can be delivered in an instant with a touch of a button on your phone. Even health care has followed suit with services like live video doctor visits (CDPHP® members can use Doctor On Demand!).
But when it comes to seeing a doctor in-person, we need to hit the “pause” button instead of “order now” and know realistic times to receive care.
I’ll probably get in trouble for writing this, but I need to say it…health insurance is confusing.
Okay, maybe that’s not a groundbreaking statement by any means. But let’s be real here. This whole health care coverage thing still isn’t the easiest to navigate.
It doesn’t matter how educated you are or how much experience you have, no one has it all figured out. Sometimes when you hear people talking about their health insurance, it can even sound like the words are from some kind of alternate universe.
I don’t know about you, but when the holiday season rolls around, I’m like…give me all the treats! It starts with Halloween candy and goes right up until New Year’s Day, if I’m being completely honest. While I exercise regularly and even joined a new gym this year that really got me out of my comfort zone and improved my strength and endurance (I got my fitness reimbursement, too!), what you’re putting into your body also matters. A lot. And some of us are now over 35 with two kids, which doesn’t help anything (cough, ME, cough).
You’ve probably made plans for your financial future by having a 401k or a life insurance policy. You’ve taken steps now to make sure you’re prepared for whatever tomorrow might bring.
You can prepare for your health care future with advance care planning. What is advance care planning? If you are ever unable to speak for yourself, advance care planning lets doctors and hospitals know what kind of care you want and don’t want. Planning ahead and having the proper documents in place removes the burden from your family and loved ones of making your medical decisions.
Think about the steps you take before making a purchase, whether it’s an appliance or a book, or even before deciding which restaurant to go to. You want to make sure you’re getting the most for your money and will be satisfied, so you research the item, read reviews, and comparison shop. continue reading →
Finding quality health insurance that fits your budget is important for you and your family. Let’s look at three types of health coverage that may be right for you, depending on your income, family size, and your needs.