How To Get The Best Health Insurance And Avoid Paying Out-Of-Pocket
In this day and age, there is not enough information that you can get in regards to health insurance. You might not only need help making your own new decisions, but you may also need to solidify what you already know. This article should help you due to the clear and concise manner that information is provided.
When considering a health care insurance plan from your employer, be sure to not forget about possible favored doctors and if they will be included in your plan. This is especially important to consider with an OB/GYN, dentist, or long time family doctor. Sometimes it may be more important to pay more for a different plan than to abandon your favorite doctor.
One of the most basic tips about insurance is quite simple: never, ever put yourself in a situation where you have no insurance at all. Even if it means paying extra to your former employer to stay on COBRA, you never want to be without health insurance. Too many contingencies could come up that would very quickly put you in a precarious situation. The same is true for auto insurance: never drive uninsured. It's against the law in many states, so it isn't just a bad idea; in many places it is actually a crime.
Your health insurance needs change as you move through life. Periodically, take a look at your health insurance coverage to make sure it meets your needs, particularly if you have a family. Does it still make sense to stay on your work's health insurance policy, or does your spouse's policy offer better coverage for this time in your lives?
A great way to save money on insurance is to buy it online. Brick-and-mortar brokerages and insurance agents cost insurance companies money to cover their rent, salaries, health benefits, etc. Online brokerages are virtual, so they can employ fewer people and pay fewer bills resulting in savings they can pass on to you.
When you find out that you are having a child, you need to contact your health insurance company. It is important to have your child insured before they take their first breath. This way you can be certain that if anything happens that requires medical treatment, you're certain your child has the coverage that they need.
When purchasing a health insurance policy, always read your contract carefully before signing. Don't be afraid to ask questions if necessary. Understanding your policy is important because it will provide you with the terms of the policy. You must have a good understanding of what your policy will cover, and what it requires of you as well.
When searching for the best health insurance plan for your specific needs, consider using the services of an independent insurance broker. A good broker will understand the fine points of a wide range of insurance policies and can help with the legwork needed to shop around for the best rates. In addition, a good broker is likely to know of a much broader swath of plans and providers then you will find on your own. Just make sure any broker you consider is credentialed with the National Association of Insurance Commissioners (NAIC).
Think twice before purchasing a supplemental policy, such as cancer insurance. Often the benefits from your cancer policy will go unused because your primary insurance policy already has you covered. In addition, most supplemental policies have very strict guidelines and limitations with regards to how they can be used.
What kind of health insurance do you have? If medical problems ever arise for your family and yourself, health insurance can ensure that your medical costs are covered while you receive the best care available. You can use the advice that this article has provided to you to ensure that you and everyone you love has proper coverage.
Hoag's Pickup Family Neurosciences Institute Selected to Participate in Study of Pioneering Surgical Epilepsy Treatment
For nearly 50 years, there were few options for patients who suffer from medication-resistant temporal lobe epilepsy. The most effective procedure was temporal lobectomy, a highly invasive surgery that involves removing a large section of the brain and can result in loss of vision, speech, memory and neurocognitive abilities.
The SLATE clinical trial will study the effectiveness of minimally invasive laser surgery using the Medtronic Visualase system. This approach uses an MRI-guided laser probe, approximately the width of a guitar string, to target and destroy the scar, tumor, or malformation that causes seizures. The procedure is revolutionizing the surgical treatment of epilepsy, previously a large and invasive surgery with numerous potential side effects, which may now be performed in a minimally invasive procedure requiring an overnight hospital stay.
"We are privileged to be on the forefront of offering minimally invasive, safer options for patients who wish to avoid large, open surgery," said Chief of Epilepsy Surgery and Hoag neurosurgeon Vik Mehta, M.D., who is the principal investigator of the trial. "In order to meet the needs of people with epilepsy, we need to modernize approaches that are more patient-friendly. This is one of the promising options to replace an invasive approach that had a lot of side effects, and we are excited by the data so far."
Hoag is the only site in the national study to employ Surgical Theater, which combines the use of virtual reality and augmented reality to "rehearse" surgery. This ensures the safest and most effective approach during the procedure.
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