Posts Tagged ‘health insurance’
Cost of Lap Band Michigan
Tweet Lap Band Surgery in Michigan for patients not covered by health insurance typically costs between $12,000 and $25,000. The biggest factor affecting cost is your region and your surgeon. If you are in a large metropolitan area, such as Detroit, costs trend towards the higher end.
What is coinsurance?
TweetCoinsurance is an amount of the cost of a Michigan medical service that you are responsible for paying. Unlike a co-payment, which is a fixed-dollar amount, coinsurance is expressed as a percentage. For example, many insurance plans have 20% coinsurance of the next 10,000 after
Health Insurance for Children up to age 26
TweetGood news parents! The health care reform legislation extends coverge to adult children up to their 26th birthdays under their parents’ policies. Now you’re wondering WHEN can you put your kids back on your insurance plan? As of now the mandate to extend coverage to
High Deductible Health Plan Pros and Cons
TweetMany people immediately balk at the mention of insurance plans with high deductibles of $5,000 or more. Why do I need insurance if I have to pay $5,000 out of my own pocket before anything is covered? Common misconception, and many people are simply uneducated
What is managed care?
TweetManaged care is a form of health insurance that stresses preventive medicine and affordability. In a HMO managed care plan, you typically choose a Primary Care Physician who is responsible for approving specialist and hospital care. Managed care was originally introduced as a way to
Shopping for health insurance isn’t fun
TweetShopping for health insurance is not always fun. Online quotes can result in a ridiculous amount of phone calls. If it’s your first experience, it can be overwhelming. What can I do for you? Find the most affordable option customized to you Wish it were
Covered vs. Not Covered
Tweet“Covered” means that the service is payable AFTER your deductible is met or it is payable AFTER a copay is paid. A few services, such as State mandated preventive care services like immunizations, mammograms and prostate screenings, are covered without being subject to a deductible or a copay.
Are Health Insurance Premiums Tax Deductible?
TweetCan you deduct health insurance premiums for taxes in Michigan? You betcha. You can include in your medical expense deduction, insurance premiums you pay for polices that cover medical care. Medical care policies provide payment for treatment that includes: Hospitalization, surgical services, and X-rays Presription
Preparing Your Healthcare for a Layoff
TweetIf you were recently laid off or fear a layoff in the upcoming days or weeks. In addition to dusting off your resume, don’t forget about your healthcare. According to a recent article from the FREEP, here are some key things to remember: Schedule
Do I have to satisfy my deductible to use Office Visit Copays?
TweetAn office visit copay is the flat dollar amount that you would pay for a routine visit to either a primary care physician or a specialist, with coverage kicking in at 100% after the copay. Most traditional, employer sponsored plans offer an office visit copay.
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