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No matter what level of healthcare plan you choose, it is unlikely to always cover absolutely everything you want or need. In many cases we simply accept the burden of a few expenses outside of our plan’s coverage. But some things are too important to leave to chance… And it’s possible that vision care is one of those things. If you’re young and healthy, without any vision problems, you might feel that routine vision exams fall...

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Enrolling employees in a high-deductible health insurance plan is a popular choice for many reasons. Low premiums keep overhead down for both you and your workers, and they can enroll in a health savings plan that offers numerous tax and savings benefits. But most healthcare plans include limits on coverage, and sometimes expenses outside those limits can occur. If employees have shared their concerns about uncovered expenses, meeting...

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If you’re enrolled in a healthcare plan through Covered California, it can be easy to enroll in the fall and then forget about your enrollment status for the rest of the year. But there’s one very important reason to double check on your basic information from time to time: You want your subsidy to be calculated correctly! If you receive a subsidy to help with the cost of your premiums, you probably know that it is based on your...

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Employers, take note: According to the Medicare Prescription Drug, Improvement, and Modernization Act in 2003, you are required to send Medicare Part D Notices of Creditable Coverage by October 15. These notices detail whether your group-sponsored healthcare plan is expected to cover as much as the standard Medicare Part D plan regarding prescription drug costs. What is standard coverage under Medicare? Deductible: $480Initial...

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Healthcare plans can be complicated, and trigger confusion for consumers. In particular, many participants in healthcare plans experience difficulty detangling the details of their plans with regard to healthcare service pricing and their own out-of-pocket spending. The Transparency in Coverage rules created by the federal government in 2020 were designed to answer critical questions regarding price and quality of healthcare services,...

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You enrolled in a High Deductible Healthcare Plan (HDHP) because it helps you to achieve lower monthly premiums. In addition, a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) helps you to manage the out-of-pocket expenses associated with these types of healthcare plans. However, changes in the cost of living would render these types of plans and accounts much less useful if certain limits were not occasionally...

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