What are Deductible, Co-Pay, and Co-Insurance: What Do These Health Insurance Costs Actually Mean?
If you’re shopping for a health insurance policy or trying to actually use your policy to get medical care, the cost is likely a primary concern. You need to know not just what the premiums for your policy cost, but also what you’ll actually have to pay out-of-pocket if you want to use healthcare services. Reading the policy language is key to understanding what costs you can expect to incur — but you need to understand exactly what all of the different terms mean that are used to describe the payments you could end up owing.
In particular, there are three key costs you need to understand: deductible, co-pay, and co-insurance. Here’s what each of these terms could mean to you, as far as the out-of-pocket expenditures that you’ll incur.
Keep Reading..What are Deductible, Co-Pay, and Co-Insurance
Preventive health care is essential for improving the nation’s health, economy, and quality of life. Many of America’s most common health complaints, including diabetes, hypertension, heart disease, and some types of cancers, may be preventable. Through early intervention, other conditions may be kept from progressing. When Americans receive preventive health care to improve their health, they are usually more productive and take less time off work. As they age, Americans who’ve received preventive health care are more likely to live independently in their homes.
Keep Reading..Medicare Preventative Care 101
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Eileen Doherty, MS
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As Housing Costs Increase, Some Relief is Available
DENVER, CO. Housing costs in Colorado both for owners, as well as those who rent continue to soar. Homeowners who may realize that downsizing may be important. However, the cost of a new, but smaller home may not be affordable. Homes that are paid for or ones that have a low mortgage payment often cost less than a new mortgage or renting a smaller apartment or townhome.
Keep Reading..As Housing Costs Increase, Some Relief is Available
Like many older people on a fixed income, Ed Slavik knew he couldn’t keep up with the high cost of dental care.
So a few years ago, the retired school teacher was relieved to find the Dental Division at Stickney Public Health District, where he had fillings and other routine dental work is done for free.
Keep Reading..Seniors seek affordable dental care options