SPECIALIZED INFORMATION ON FINDING ESSENTIAL FACTORS FOR URGENT CARE

Specialized Information On Finding Essential Factors For urgent care

Specialized Information On Finding Essential Factors For urgent care

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You Can Get Great Health Insurance Coverage Without Paying A Fortune




Nothing is more important than your health, but few things are more confusing than finding the right health insurance. From state laws to federal regulations and everything else guiding the health care industry, it is one complicated headache after another. The information contained in this article is designed to lessen the headaches and make it easier for you to understand the nature of health insurance and how to put it to work for you.

Sign up for a flexible spending account. If you are paying for your own health insurance costs, consider the move to an HSA. An HSA is a Health Savings Account that you can contribute towards, tax free, and then withdraw the money, also tax free, for any medical costs you face.

Even with health insurance, getting emergency care can be expensive. Use hospital emergency room facilities only for true emergencies. For routine but urgent health problems, you'll save money by going to a walk-in clinic. Some pharmacies also have mini-clinics where you can be seen, get evaluated and get a prescription. If needed, they can help you find more advanced medical help.

If you need to find a doctor who takes your health insurance, you would want to first ask the company for a list of covering physicians. This can help you to narrow down the search. Then it is a simple task of calling doctors to see if they are accepting your insurance and new patients currently.

Ask your doctor to prescribe you generic drugs if one is available. Your co-pay will almost always be less for a generic drug than for a name brand. The effects are the same, you just won't be paying an extra surcharge for the branded medicine. Save yourself the money if possible.

Take your time when shopping for a new health insurance plan. The last thing that you want to do website is rush this decision. It could end up costing you hundreds of thousands of dollars in the future if you rush to enroll in a program that is not right for you and your family.

Take your time when shopping for a new health insurance plan. The last thing that you want to do is rush this decision. It could end up costing you hundreds of thousands of dollars in the future if you rush to enroll in a program that is not right for you and your family.

Understand copays and deductibles. Look at your plan carefully, and make sure you understand exactly what is covered, and what you are responsible for. The last thing you want is a health insurance plan that doesn't cover what you need. Take into account how much you will have to pay for each doctor's visit and what your initial deductible is before insurance kicks in.

Learn the strict coverage details of your health insurance policy. While your policy may state that it covers emergency visits, some hospitals and doctors charge separately for your care. Your policy may cover the hospital's charges, but not the doctor's. If you are unsure about how your company handles this, call them and ask.

With a greater understanding of health insurance, you can make an educated decision regarding what is right for you and your family. This subject is much too important to neglect. Health insurance is among the most crucial decisions you'll ever make.




The coronavirus pandemic could push telemedicine into the mainstream


Telemedicine has been around for more than two decades, but its adoption among Americans has been relatively low. The coronavirus pandemic is quickly changing that.



With millions of people around the country forced to stay home in lockdown and worried about potentially exposing themselves to the virus, many of them are turning to telemedicine companies' virtual consultation services. According to the US Centers for Disease Control and Prevention, most people that contract the coronavirus only suffer mild illness and can recover without leaving their homes. Telemedicine companies are stepping in to give patients a chance to talk through their symptoms and decide if they need to be hospitalized.



CareClix, a virtual health platform based in Alexandria, VA, has more than 20 million users across the US and says it saw a 50% increase in usage in March. Zipnosis, another telemedicine company based in Minneapolis, reported a 3,600% increase in virtual visits on its platform over an 11-day period last month.



"Unfortunately, it's taken some pretty extraordinary circumstances, but I think this will be a watershed moment for the industry," Zipnosis CEO Jon Pearce told CNN Business. "Certainly in the past few weeks with Covid, I think people's desire to have trusted advice from medical providers is just gone through the roof ... and that's what we can facilitate in a very fast fashion. And more importantly, we can facilitate that without leaving your home."



Both companies have different approaches to telemedicine.



CareClix, founded in 2012, connects patients to doctors through an on-demand video platform that attempts to recreate the in-person experience in a virtual setting — similar to chatting with your doctor on FaceTime.



"We really try to mimic what's done in brick and mortar," said CareClix co-founder and CEO John Korangy. "From the user's perspective for the patient and... the doctor, they're not doing anything different than they would if you came and saw me face to face. The only thing different is now we have a monitor in between us."



While CareClix's technology is used by hospital networks and healthcare providers around the US, the company also has an internal team of doctors that can provide remote services to patients.



Zipnosis, on the other hand, operates in what is known as asynchronous care — where the doctor and patient don't need to be in the same place (even virtually) at the same time. The company, founded over a decade ago, has users fill out a virtual questionnaire through a chatbot-like tool that packages their responses for a doctor to review and diagnose. Zipnosis claims this can dramatically speed up the process, allowing doctors to make a diagnosis in an average of 89 seconds.



"Instead of talking to a doctor over video, you would answer a series of yes [or] no questions," Pearce said, "the same questions they would be asking you in real life when instead of doing that, we have a really smart computer system do it."



Telemedicine has its limitations — some complex diagnoses and treatment may require in-person interactions. If a patient appears particularly sick, telemedicine companies will recommend they go to a clinic or hospital. But the technology can play an important role in easing some of the initial load from walk-ins, particularly as the global pandemic places strain on the healthcare system and makes people nervous about being exposed to the virus.



"What's happening is that people are worried," said Ann Mond Johnson, CEO of the American Telemedicine Association, a non-profit organization focused on increasing the adoption of virtual health technologies. "People don't know really what to do, where to go, whether or not they should get a test for the virus. And so the hospitals are really deeply concerned about managing exposure."



CareClix has begun offering free Covid-19 evaluations to its users, while over 40% of health care providers that use Zipnosis's technology are also offering free screenings.

https://edition.cnn.com/2020/04/27/tech/telemedicine-coronavirus-wellness/index.html


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