Browsing Posts in Health Providers
Ok….I’m here to tout again! Please…for your own good, watch Food Matters. I have wanted to see it after watching ‘clips’ online and finally today…I got to see it.
I am planning on actually watching it a couple more times at least to take notes, but I am throwing in a few key statements from the movie that I got from watching it today. After doing more research, I plan on sharing more with you. Alarming stuff….
Key points:
***In order for a pharm. company to license a pharmaceutical drug, they have to prove it to be successful in at least 2 trials over placebos. Only 2 TRIALS!!!!! They do NOT have to disclose the numerous other trials where it may not have been successful. UNREAL!
***Over 100K people die each year from taking prescription drugs…AS PRESCRIBED. (most forms of heart disease, diabetes, and more are reversible with a healthy diet)
***Only 10 alleged-reported deaths in 23 years from people taking vitamin supplements. HMMM….
***To treat depression, it has been PROVEN that doses of the vitamin Niacin have improved moods, behavior, etc. INTERESTING…..(people would rather suffer through side affects of Xanax, Cymbalta, etc)
***There are doctors who are treating forms of cancer by intravenous (IV) injection of Vitamin C in dose amounts of 30,60, and 100K mg. in a 24 hr period WITH 50% SUCCESS RATE….FANTASTIC!!! (no loss of hair or nausea, no killing of healthy cells)
So, why are people so anxious to get ahold of a prescription before trying natural methods such as a healthy diet, vitamins, fruit, Omega 3′s, Superfoods, etc. WHY?
Mainly because there is a money chain from your pocketbook all the way to DOCTORS, RESEARCH, PHARMACEUTICAL COMPANIES, GOVERNMENT, WALL STREET AND BEYOND.
Watch this video for a sneak preview and then rent it at Red Box or something…get it somehow. Do it if you want to ‘live’ long and prosper, as they say.
Well, we got some great questions in response to folks having some questions regarding health and life insurance. I will be splitting them up and answering them in a couple different posts. Thank you to everyone who submitted a question! It will surely benefit others! ~Michele
FAQ 1. What is the difference between a PPO and an HMO? (S. Green, OK)
A. PPO stands for Preferred Provider Organization- When providers (doctors, hospitals, clinics, specialists, etc) are members of a certain PPO and an insurance company is also, then members get DISCOUNTED RATES for using those providers.
HMO stands for Health Maintenance Organization- When providers and insurance companies are members of this, a member is RESTRICTED to use of these providers in order to receive benefits. In order to see a specialist or receive certain treatment, a member must have pre-authorization from a PRIMARY CARE PHYSICIAN in order to receive coverage (except for emergencies).
FAQ 2. Do I have to disclose my medical history to a health insurance company? (P. Luce, MS)
A. When applying for health insurance, an application is completed. You will need to sign that all facts are true in regards to questions asked on that particular application.
An insurance company will verify that information with the MIB (Medical Information Bureau) and any items omitted would be considered ‘withheld’ and the application not honored. The MIB is like the credit bureau, but for medical history. Any time someone visits a health provider, the information is submitted digitally to the MIB records.
FAQ 3. Do healthy people save money on health insurance premiums? (A. Pierce, TX)
A. Yes, premiums are based on many factors including age, tobacco use, and health conditions. Depending on the health condition, your premiums could be higher.
I would like to ask my readers to send in some Healthcare FAQs so that I can share that info. with other readers and get some answers for you! My comment section isn’t working currently so email your questions to michele.facini@gmail.com or use my contact form by clicking HERE. I will do a post with all of the questions next week.
I love a challenge so bring it on!
This is a great example of how being pro-active can save you big $$. This guy was able to save $1000 bucks on medical bills from the birth of his child! How did he do do it? He called and asked!!
Too many times I feel companies of all kinds including medical providers try to suck as much as they can out of people, and most of the time we just pay up. This is a perfect example of how just simply asking for a discount can save you some serious cash!
This appears to a case where he was paying completely out of pocket and had no insurance coverage. If you are covered and part of a “network” you will receive discounts automatically.
Also please take notice at how many bills he got from numerous providers! With Assurant’s new product, Clarity, all bills are eliminate and you get one monthly statement from Assurant!
CLICK BELOW FOR CLARITY!
Oftentimes the doctors, surgeons, anesthesiologists, and facilities send bills before the insurance even processes a claim.
Folks out there who are ‘diligent’ (like my dad) about paying bills promptly may pay it and then the insurance will pay it too.
The insurance company might need a little prompting before giving you a credit due to their overwhelming caseloads.
The best way to avoid the hassle is to fore-go paying ANY medical bills received in the mail before you receive your insurance EOB (Explanation of Benefits). It will then be clear what your portion is so you can promptly send a payment for that amount to the doctor, surgeon, anesthesiologist, etc.
Paying medical bills, especially for a surgery, accident, or serious illness can be daunting and overwhelming in an already stressful time. There are many places you can ask for help; either in online forums, a representative at your insurance company, a hospital billing advocate, and even me if you’d like. If I don’t know the answer, I will be happy to find it or a resource that can help you.
*Stay tuned on Friday….James is writing a post that reveals how a teeny tiny question can save you $$$…..
