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.
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.
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 →
Medicare plans include a standard level of coverage, and that goes for prescription drug coverage, too. Every Medicare Advantage plan must cover all services available with Original Medicare coverage. continue reading →