Podcasts about co-pays

Managing medications shouldn't be this hard. For millions of people, it's a daily struggle—juggling prescriptions from multiple doctors, refilling at different pharmacies, and trying to keep track of what to take and when. Copays are confusing, refill schedules don't align, and the stress of managing it all often falls on caregivers. This isn't just an inconvenience—it's a crisis. Missed doses, medication errors, and the sheer administrative burden can lead to worse health outcomes and unnecessary stress for families. This is the problem Laura Jensen has spent her career tackling. Laura is the Director of Manufacturer & Provider Business Development at Amazon, where she worked to make pharmacy care more transparent, affordable, and accessible. Her journey began at PillPack, where she helped pioneer a model that brought the best of long-term care pharmacy into the homes of everyday patients. At Amazon Pharmacy, she built on that foundation to create a seamless, patient-centered experience that leverages technology to simplify medication management. She continues to drive innovation in healthcare, building on her deep expertise and passion for patient advocacy. In this episode, Laura shares her journey from PillPack to Amazon Pharmacy, the challenges of rebuilding pharmacy systems from the ground up, and her vision for a future where accessing medications is as easy as clicking “buy now.” She also opens up about how her upbringing as the daughter of a nurse shaped her perspective on healthcare and why patient advocacy is at the heart of everything she does. This is a conversation about innovation, empathy, and the power of technology to transform lives. Whether you're a healthcare professional, a caregiver, or someone who's ever struggled to manage medications, Laura's insights will inspire you. Do you have thoughts on this episode or suggestions for future guests? We'd love to hear from you. Email us at hello@rosenmaninstitute.org.

On this episode I sit down with my friend Dave Knapp, an independent journalist and community leader in the world of GLP-1 receptor agonists. Living with obesity and type 2 diabetes himself, Dave has built a platform dedicated to connecting and educating people using these life-changing peptides. We break down the latest updates on the FDA's crackdown on compounding pharmacies and what it could mean for the future of GLP-1 access. We also dive into the shady role of Pharmacy Benefit Managers (PBMs) in driving up drug prices, the realities of living with obesity, and why traditional approaches to weight loss often fall short. Dave shares insights from his personal journey, including his experiences with keto and the struggles his community has faced.  Topics Discussed:  What is happening with the FDA's crackdown on compounding pharmacies and GLP-1 medications? How do Pharmacy Benefit Managers (PBMs) drive up drug prices and impact patient access? What are GLP-1 receptor agonists, and how are they changing the lives of people with obesity and type 2 diabetes? Why do traditional weight loss methods like “eat less, move more” often fail for people with metabolic disorders? What is the future of compounded GLP-1 medications, and how can patients stay informed? GLP1s Uncovered FREE 4 Part Video Series  On This Episode We Cover: 00:00:00 - Introduction  00:05:17 - Dave's background  00:11:07 - The Diabetes cycle 00:16:11 - Starting On The Pen 00:21:44 - Compound pharmacies and drug shortages  00:26:23 - Increase in compound drug use  00:29:34 – Better Accessibility 00:34:55 – PBMs & Insurance Kickbacks 00:41:31 – Copays vs. Cash Pay 00:45:29 – GLP-1 & FDA Lawsuits 00:53:14 – MAHA & Compounding Pharmacies 00:55:09 – Pharmacy Types & The Future of Compounding 00:59:47 – Confidence in Providers 01:02:13 – Bias in the MAHA Movement 01:09:19 – Lowering Medication Costs 01:11:39 – Deplatforming & Censorship 01:18:34 – “Eat Less & Move More” Show Links: GLP1s Uncovered FREE 4 Part Video Series  Find A Doc Sponsored By: Nutrisense Head over to nutrisense.io/drtyna to get $125 off your program.  Puori Go to Puori.com/drtyna and use code DRTYNA to get 20% off Momentous Go to livemomentous.com and try it today at 20% off with code DRTYNA, and start living on purpose. Purity Woods Go to puritywoods.com/DRTYNA or enter DRTYNA at checkout for 27% off LMNT Get your free Sample Pack with any LMNT purchase at drinkLMNT.com/drtyna Check Out Dave:  Instagram https://www.onthepen.com/ Disclaimer: Information provided in this podcast is for informational purposes only. This information is NOT intended as a substitute for the advice provided by your physician or other healthcare professional, or any information contained on or in any product. Do not use the information provided in this podcast for diagnosing or treating a health problem or disease, or prescribing medication or other treatment. Always speak with your physician or other healthcare professional before taking any medication or nutritional, herbal or other supplement, or using any treatment for a health problem. Information provided in this blog/podcast and the use of any products or services related to this podcast by you does not create a doctor-patient relationship between you and Dr. Tyna Moore. Information and statements regarding dietary supplements have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent ANY disease.

This week, we're deep diving PepsiCo's $1.95 billion acquisition of the prebiotic soda brand Poppi, discussing the shift towards health-conscious beverages and their potentially misleading claims, and digging into influencer-adjacent beverage drama like cheater brands, "vending machine gate" and rumors about if the investments of Alex Cooper and Alix Earle in beverage companies have something to do with their public falling out (and Alix being "dropped" from the Unwell network). This deep dive touches on many topics: the broader trends in the beverage industry, influencer culture, the "Health Halo Effect" of unregulated better-for-you sodas, and, most importantly, the power of branding. Enjoy!00:00 Intro03:27 The Evolution of Poppy's Branding06:00 The Rise and Valuation of Poppy30:50 The Health Halo Effect38:38 The Rise of Functional Beverages41:22 The OliPop and Poppy Rivalry48:05 Vending Machine Gate01:03:16 Celebrity Investors in Poppy01:16:35 Alex/Alix, Unwell network, and influencer podcastsOrder Kate's NYT Bestselling book, One in a Millennial here!Text or leave a voicemail for Kate at 775-HEY-BETH!Take control of your hormonal health with Allara Health. Visit allarahealth.com/BETHEREINFIVE to get your personalized treatment plan and see if Allara is right for you. With insurance, you can get started with Allara Health for as little as $0. Experience Allara Health's expert, compassionate care today. Visit allarahealth.com/BETHEREINFIVE to get started. Copays may apply. See allarahealth.com/promo for full terms and conditions.Because amika loves Be There in Five listeners as much as we love them, they're giving you a one-time use code for 20% off your first order through the end of March. Just go to loveamika.com/bethereinfive and use code BETHEREINFIVE at checkout. That's loveamika.com/bethereinfive, code BETHEREINFIVE to get 20% off your first order through March 31st!Crush your health goals with mouthwatering, chef-crafted meals delivered straight to your door. Go to cookunity.com/BETHEREINFIVE or enter code BETHEREINFIVE before checkout for 50% off your first week. That's 50% off your first week by using code BETHEREINFIVE or going to COOKUNITY.COM/BETHEREINFIVE.Go to helixsleep.com/bethereinfive for the March Madness Sale. That's helixsleep.com/bethereinfive for 20% Off Sitewide.Treat yourself to extraordinary hydration from Liquid I.V. Get 20% off your first order of Liquid I.V. when you go to LIQUID-IV.COM and use code BETHEREINFIVE at checkout. That's 20% off your first order with code BETHEREINFIVE at LIQUID-IV.COM.Upgrade how you see the world and how the world sees you. Go to paireyewear.com and use code BTIF for 15% off your first pair. And support the show by mentioning Be There in Five sent you in your post checkout survey! That's paireyewear.com, code BTIF.

If you're like most dental practices, managing accounts receivable (AR) can feel overwhelming. But I've got good news—this episode is going to help you take control and make insurance systems work for you. I'm thrilled to welcome Bri Richardson, the powerhouse behind Elevate My Practice and founder of Dental Insurance SOS, to the podcast. Bri brings over 15 years of experience in the dental industry as a coach, trainer, and speaker. Her mission? To help practices get paid in full within 30 days and make insurance management easier and less stressful. During our conversation, Bri shares proven strategies for: Submitting clean claims that avoid delays. Estimating copays accurately—even when dealing with out-of-network insurance. Creating a rock-solid collections protocol that will transform your AR. Using automation and AI tools to simplify billing and insurance tasks. This episode is packed with actionable tips you can implement right away to help your practice thrive. Episode Highlights: Clean Claims Matter: Submitting claims with all the right documentation upfront will save you weeks of delays. Estimates Made Simple: Bri's system for reducing insurance coverage percentages by 20% for out-of-network patients is a game-changer. The Power of Protocols: Implementing a clear collections protocol can transform your AR—and your stress levels. Tech to the Rescue: Tools like Abella and Vine can take repetitive tasks off your team's plate. Invest in Training: Your front office team can be your biggest asset when equipped with the right skills and tools. — Key Takeaways Welcome to the Raving Patients Podcast (00:01) Meet Bri Richardson: Elevate My Practice (03:00) Why AR Management Is a Common Struggle (04:32) Accurate Copay Estimates: A Simple Approach (10:45) How to Handle Patient Pushback on Copays (14:00) Submitting Clean Claims the First Time (18:10) The Secret to Rock-Solid Collection Protocols (21:18) Top Tools to Simplify Insurance and Billing (26:58) Lightning Round Q&A (29:50) Stay Connected with Bri (34:05) — Connect with Bri: Email: bri@elevatemypractice.com Website: elevatemypractice.com Social Media: Instagram (@elevatemypractice) | Facebook (ElevateMyPractice) — Learn proven dental marketing strategies and online reputation management techniques at DrLenTau.com. This podcast is sponsored by Dental Intelligence. Learn more here. This podcast is sponsored by The Doc Sites, the leading provider of websites and online marketing for dentists. Find out more here. Raving Patients Podcast is your go-to place for the latest and best dental marketing strategies that will help you skyrocket your practice. Follow us for more!

In this episode, we'll cover five practical strategies to boost financial literacy in your organization. Find us at https://www.bernieportal.com/hr-party-of-one/BerniePortal: The all-in-one HRIS that makes building a business & managing its people easy. http://bit.ly/2NEQ5QbWhat is an HRIS?https://www.bernieportal.com/hris/BernieU: Your free one-stop shop for compelling, convenient, and comprehensive HR training and courses that will keep you up-to-date on all things human resources. Approved for SHRM & HRCI recertification credit hours. Enroll today!https://www.bernieportal.com/bernieu/Join the HR Party of One Community!https://hubs.ly/Q02mNML90▬ Episode Resources & Links ▬▬▬▬▬▬▬▬▬▬What Does “Vesting” Mean?https://youtu.be/dVQQR3WOXA8?si=E4p9q-RNn-RE28UiInsurance Terms: What Are Deductibles, Copays, and Out-of-Pocket Maximums?https://youtu.be/Ia9T8vkcvxM?si=w_ZT08tbOWtV3p5uBerniePortal's Benefits Administration Featurehttps://www.bernieportal.com/benefits-administration/Free BernieU Course: The Ultimate Guide to Benefits Administration & Open Enrollmenthttps://www.bernieportal.com/the-ultimate-guide-to-benefits-administration-and-open-enrollment/▬ Social Media ▬▬▬▬▬▬▬▬▬▬▬► LinkedIn: https://www.linkedin.com/company/bernieportal▬ Podcast▬▬▬▬▬▬▬▬▬▬▬▬► Apple Podcasts: https://podcasts.apple.com/us/podcast/hr-party-of-one/id1495233115► Spotify: https://open.spotify.com/show/5ViQkKdatT40DPLJkY2pgA► Amazon Music: https://music.amazon.com/podcasts/1874beb8-2a68-4310-8816-e704e6850995/HR-Party-of-One► iHeartRadio: https://www.iheart.com/podcast/269-hr-party-of-one-57127074/#► Pocket Casts: https://pca.st/o6e2auqq►RSS: https://feeds.captivate.fm/hrpartyofone/ ► Other: https://hrpartyofone.captivate.fm/listen#HR, #HumanResources, #HRTips, #HumanResourcesTips, #SmallBusiness,...

Insurance is something we all wish we understood better, especially at the start of the year. In this episode we talk with Kelli Huber, Rothman's insurance guru, about key information on what you need to know as a patient, the questions you should be asking, and how to be better prepared to avoid surprise bills. Give it a listen and get the info you need!

In this episode, I spoke with Jayson Welter, our General Counsel at United Ag, about our advocacy efforts for agricultural communities, particularly in healthcare. We discussed key challenges like hospital closures and improving access to mental health services through platforms like Teladoc. Jayson explained how the Affordable Care Act brought mental health parity, ensuring equal costs for mental and physical healthcare.  We also touched on the empathy and care that agricultural employers have for their workers, and how improving healthcare coverage boosts productivity. Our advocacy isn't just about making requests—it's about building relationships, educating policymakers, and showing the real challenges faced in rural healthcare and agriculture.I encourage anyone, even outside of agriculture, to get involved. Whether it's locally or joining us in Sacramento, every effort makes a difference. Agriculture touches all of us, and together we can do even more to support the communities that feed our nation.Jayson Welter - https://www.linkedin.com/in/jayson-welter-7b049290/UnitedAg Advocacy - https://www.unitedag.org/advocacy/This episode is sponsored by UnitedAg,  one of the largest association health plans to offer healthcare to the agriculture industry of California and Arizona.  Kirti Mutatkar, President and CEO of UnitedAg. Reach me at kmutatkar@unitedag.org, www.linkedin.com/in/kirtimutatkarUnitedAg website - www.unitedag.orgEpisode Contributors - Jayson Welter, Kirti Mutatkar, Dave Visaya, Rhianna MaciasThe episode is also sponsored by Brent Eastman Insurance Services Inc. - https://brenteastman.comBlue Shield of California - https://www.blueshieldca.comElite Medical - https://www.elitecorpmed.comGallagher - https://www.ajg.com/SAIN Medical https://sainmedical.com/MDI Network - https://www.mdinetworx.com/about-us

7:00 - George Blackard, Freedom Friday and Vets Have to Pay Retro Copays?? full 2568 Fri, 20 Sep 2024 14:00:59 +0000 tgwd97i3LLzTlE7PNY2D8WmGpIL0yrCi Montana Talks with Aaron Flint 7:00 - George Blackard, Freedom Friday and Vets Have to Pay Retro Copays?? Montana Talks with Aaron Flint ON DEMAND 2020

Show Open Wednesday 4/24/24

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Imagine a future where health plans come with no deductibles and no copays, doesn't it seem like a fantasy? But what if it's not? In our enlightening conversation with James Millaway, the CEO of Zero Health, we unpack the concept of health plans without the burden of deductibles and copays. We trace the history of these cost-sharing measures and their effect on overall healthcare costs. We also highlight the idea of insurance and how it should be a guard against catastrophic risks, not everyday events. Moving onto the second half of our discussion, we delve into the realm of efficient healthcare purchasing and its potential for significant cost savings. We ponder on how employers and brokers can enable their employees to make informed decisions about their care. The talk also covers the integration of care management and the potential savings in medical expenditure. Our discussion reaches its peak as we talk about the future of healthcare and the vital role of trust. We explore Zero Health's impact on this future, and the importance of creating a trustworthy product. Don't miss out on this insightful conversation where we reimagine the future of healthcare.

Sarah Procario is the Advocacy Director for the Hemophilia Foundation of Michigan, and leader of the Michigan All Copays Count Coalition. Patients from across Michigan Helped by New Bill to Ensure All Copays Count

  Looking for ways to earn commissions outside of AEP? We've got the top five additional plan types that should be a part of every insurance agent's portfolio! Read the text version   Get on the Ritter Platform by Registering with Ritter: https://app.ritterim.com/public/registration/ Read up on ways to boost your portfolio on the Ritter blog: https://www.ritterim.com/blog/portfolio/   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ and Instagram, https://www.instagram.com/thesarahjrueppel/ Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Cancer/Critical Illness Plans: 4 Steps to Selling Cancer Insurance: https://www.ritterim.com/blog/4-steps-to-selling-cancer-insurance/ Critical Illness Plans: Your Cure for Unhealthy Sales: https://agentsurvivalguide.podbean.com/e/critical-illness-plans-your-cure-for-unhealthy-sales-%c7%80-asg044/ Every ‘Second' Counts: Why Sell Cancer, Heart Attack and Stroke Insurance? https://agentsurvivalguide.podbean.com/e/every-second-counts-why-sell-cancer-heart-attack-and-stroke-insurance-1615473798/ These Plans Are Critical to Your Business Strategy: https://agentsurvivalguide.podbean.com/e/these-plans-are-critical-to-your-business-strategy-%c7%80-asg043/ Why Is Cancer Insurance Worth Selling? https://agentsurvivalguide.podbean.com/e/why-is-cancer-insurance-worth-selling-1634760846/   Dental, Vision, Hearing Insurance: 4 Steps to Selling Dental, Vision, and Hearing Insurance: https://agentsurvivalguide.podbean.com/e/4-steps-to-selling-dental-vision-and-hearing-insurance-1618232783/ Sense Success with Dental, Vision, and Hearing Plans: https://agentsurvivalguide.podbean.com/e/sense-success-with-dental-vision-and-hearing-plans/   Hospital Indemnity Insurance: Boost Business Selling Hospital Indemnity Insurance: https://agentsurvivalguide.podbean.com/e/boost-business-selling-hospital-indemnity-insurance/ Cover those Copays with Hospital Indemnity Plans: https://agentsurvivalguide.podbean.com/e/cover-those-copays-with-hospital-indemnity-plans/ Medicare MSA Plans & Hospital Indemnity Insurance: The Perfect Pair: https://agentsurvivalguide.podbean.com/e/medicare-msa-plans-hospital-indemnity-insurance-the-perfect-pair/ Selling Hospital Indemnity with Medicare Advantage: Is It Worth It? https://agentsurvivalguide.podbean.com/e/selling-hospital-indemnity-insurance-with-medicare-advantage-is-it-worth-it/   Life Insurance: 3 Ways to Calculate Your Clients' Life Insurance Needs: https://agentsurvivalguide.podbean.com/e/3-ways-to-calculate-your-clients-life-insurance-needs/ 5 Life Insurance Myths Your Clients May Believe: https://agentsurvivalguide.podbean.com/e/5-life-insurance-myths-your-clients-may-believe-1630614007/ Life Insurance for Each of Life's Stages: https://agentsurvivalguide.podbean.com/e/life-insurance-for-each-of-life-s-stages/ The Complete Guide on How to Sell Final Expense Insurance eBook: https://www.ritterim.com/final-expense-ebook/   When to Recommend Life Insurance Based on Its Tax Advantages: https://agentsurvivalguide.podbean.com/e/when-to-recommend-life-insurance-based-on-its-tax-advantages-%c7%80-asg122/   Long-Term Care/Short-Term Care Insurance: 4 Ways to Fund Long-Term Care: Hybrid Insurance: https://agentsurvivalguide.podbean.com/e/4-ways-to-fund-long-term-care-hybrid-insurance-asg186/ 4 Out-of-the-Box Long-Term Care insurance Solutions: https://www.ritterim.com/blog/4-out-of-the-box-long-term-care-insurance-solutions/ Are You Offering Multiple LTC Insurance Options: https://agentsurvivalguide.podbean.com/e/are-you-offering-multiple-ltc-insurance-options/ Short-Term Insurance: A Top LCTi Alternative for Clients: https://agentsurvivalguide.podbean.com/e/short-term-care-insurance-a-long-term-care-insurance-alternative-for-clients/ STCi Solutions for LTCi Prospects: https://www.ritterim.com/documents/infographics/stci-solutions-for-ltci-prospects-infographic.pdf The Real Cost of Long-Term Care: https://agentsurvivalguide.podbean.com/e/the-real-cost-of-long-term-care/   Special Needs Plans: How to Transition From AEP to D-SNPs: https://agentsurvivalguide.podbean.com/e/how-to-transition-from-aep-to-d-snps-1638826396/ Should You Sell D-SNPs? https://www.ritterim.com/blog/should-you-sell-d-snps/ The Beginner's Guide to C-SNPs: https://agentsurvivalguide.podbean.com/e/the-beginner-s-guide-to-c-snps/  The Beginner's Guide to D-SNPS: https://agentsurvivalguide.podbean.com/e/the-beginner-s-guide-to-d-snps/ The Benefits of Selling D-SNPs: https://agentsurvivalguide.podbean.com/e/the-benefits-of-selling-d-snps/   References: Cancer Stat Facts: Cancer of Any Site: https://seer.cancer.gov/statfacts/html/all.html Cardiovascular Disease: A Costly Burden for America – Projections Through 2035: https://www.heart.org/-/media/Files/About-Us/Policy-Research/Fact-Sheets/Public-Health-Advocacy-and-Research/CVD-A-Costly-Burden-for-America-Projections-Through-2035.pdf Chronic Condition Special Needs Plans (C-SNPs): https://www.cms.gov/Medicare/Health-Plans/SpecialNeedsPlans/C-SNPs Column: Why these unique Medicare Advantage plans poised for popularity: https://www.pbs.org/newshour/economy/making-sense/column-why-these-unique-medicare-advantage-plans-are-poised-for-popularity Dual Eligible Special Needs Plans (D-SNPs): https://www.cms.gov/Medicare/Health-Plans/SpecialNeedsPlans/D-SNPs Facts & Figures 2019: US Cancer Death Rate has Dropped 27% in 25 Years: https://www.cancer.org/latest-news/facts-and-figures-2019.html What is Long-Term Care (LTC) and Who Needs it? https://acl.gov/ltc

The U.S. Department of Veterans Affairs has announced a rule change that will waive copays for Native American veterans.

Waiving copays and deductibles has to be performed in a specific manner. In this episode, Captain Integrity Bob Wade details the ins and outs of waiving copays. Hear why the routine waiver of copays and deductibles can be illegal, you can waive them in certain instances, what will cause a claim to be overstated, what exactly a copay waiver is, and examples from recent cases. Learn more at CaptainIntegrity.com

Can you shop around for health insurance? Where can I get health insurance? There are four possible options for private health insurance (if you don't qualify for Medicare, Medicaid, or CHIP) 1. An insurance company or HealthCare.gov. Use HealthCare.gov to see if you can get a tax credit. 2. Employer: If your employer has a plan, it may pay for part of your premium. 3. Spouse's employer: If your spouse's employer offers a plan, you may want to compare the costs and benefits of being added to it. 4. Parent: If you're under 26, you may be able to join your parents' plan. You don't have to live at home, be enrolled in school, or be a dependent, to be added to your parents' plan. What dates do I need to know when shopping? Open enrollment for HealthCare.gov ends on January 15. If you want a plan that starts on January 1, then the enrollment deadline will be December 15. January 15 is the deadline to sign up for coverage that starts on February 1. If you don't sign up by January 15, 2023, you may not be able to get coverage until 2024. Are those the only times I can buy a plan? There are special enrollment periods, which are times outside the annual open enrollment when you can sign up for health insurance if you've had certain life events, like losing a job, moving, getting married, having or adopting a child, or your income falls below a certain amount. How do I select a health care plan? Review the plan's key documents, including the summary of benefits and coverage, provider list, and drug list, for the information that matters to you. If you want to read the fine print, you can also review the full policy or evidence of coverage document. If you have a medical or mental health issue, you want to make sure the plan you buy has the benefits you need. The same thing goes for your doctors and prescriptions. Make sure the plan will let you see your doctors and will cover your medicines. You also want to look at the price (the monthly premium) and what you'll have to pay when you get care (cost-sharing). There are copays, deductibles, and coinsurance. Copays are what you pay every time you go to the doctor. The deductible is the part you must pay before the plan will start sharing the cost. After you've met your deductible, coinsurance is the percent of the cost of care that you will continue to pay until you meet the plan's out-of-pocket maximum. If a plan has a low premium, make sure it has the benefits you need at a price you can afford. How do I shop for health insurance? Our checklist will help you get the facts you need to pick a good health plan. Texas Department of Insurance's health plan shopping guide. How can I spot problems with a plan or agent? Here are a few red flags to look for when buying a plan: · The agent or salesperson can't answer basic questions about the plan, or give you specific plan information in writing. · You feel pressured to decide right away. There are no limited time offers in health insurance. · A price that is much lower than other companies you've checked with probably means the plan has fewer benefits and more limits. · You get a call or email from a company or person you didn't contact first. Be especially careful giving out your Social Security, Medicare, or credit card numbers. Never give them to anyone you didn't call first or ask to call you.

If you are spending 10% of your income to cover deductibles and copays you're underinsured, according to data from the Common Wealth Fund. 29% of Americans with coverage through their jobs fall into that range.

In this 15 minute episode Sean tackles the issues with routine waiver of copays and/or deductibles, professional courtesy, and the potential implications with the FCA, Health Care Fraud Statute, Anti-Kickback Statute, and Stark Law. Sean addresses the Special Fraud Alert from OIG on why it's illegal for "charged-based" providers, practitioners and suppliers to Routinely Waive Copayment and Deductibles! https://oig.hhs.gov/documents/special-fraud-alerts/876/121994.html

Laura Dyrda shares today's updates from the Payer industry.

Hey Curlfriends! This week we are talking about one of our favorite subjects aka MINDING YO MF BUSINESS!!! We all love to be there for our friends but just cause we can fix their problems doesnt mean we should. Sometimes its best to sit down, shut up, and listen. Copays for todays therapy session can be sent to us via our Fundly. Link below :) https://linktr.ee/heycurlfriendpodcast --- Send in a voice message: https://anchor.fm/hey-curlfriend-tm/message Support this podcast: https://anchor.fm/hey-curlfriend-tm/support

Heard about copay accumulator adjuster programs (CAAPs), but are unsure what they are? Look no further! In this episode, Lindsay Cox, HFA's Senior Manager for Advocacy & Outreach, speaks with Bob Graham, the New York State Bleeding Disorders Coalition's Public Policy Director, and Mark Hobraczk, HFA's Senior Manager for Policy & Advocacy, about what copay accumulator adjuster programs are, what HFA and the NYSBDC are doing to combat this issue, and how listeners can take action to ensure that all copays count. For more information contact Lindsay Cox, Senior Manager for Advocacy & Outreach at advocacy@hemophiliafed.org or check out the Hemophilia Federation of America's website at hemophiliafed.org.

You might think your insurance will be a gentleman and pay for dinner, but the company will probably split the bill or make you pay the whole thing instead. After this episode though, you'll be able to tackle the basics of health insurance like deductibles and copays without a problem.Understanding your medical insurance might feel like scaling a sheer cliff. Once we cover the basic concepts you'll have enough hand- and foot-holds to do that climb. Before we start that let's check out the big picture. The concept of insurance should matter to you because in 2020, just over 91% of all Americans had medical coverage during all or part of that year. Employers are still the biggest customers for insurance, covering around 55% of the population. Medicare, which is handled by the government, covers the next 18% of Americans. These stats all come from the most recent US census. This all means that medical coverage will touch you or be offered to you in some way. That or you'll have a sleek-looking insurance card that doesn't actually cover anything. Regardless of whether it's publicly or privately funded, health insurance still has a few core mechanics, all of which are based on the idea of “medical necessity,” which is a broad phrase by design so the insurance can justify paying or, in most cases, not paying for your care. Once we know the lingo, it's easier to grasp different styles of plans.I linked a couple glossaries of health plan terms from the Bureau of Labor Statistics and UPenn's student health service on my Substack home page, which you can find at rushinagalla.substack.com.Now we can go ahead and master three major pillars of coverage: copays, coinsurance, and deductibles. Copays are easier on the uptake—they're just a fixed payment you make on the same day you are seen by the provider or medical facility you go to. For example, your insurance says that you have to spend $50 for a copay when seeing your primary doc. However, the first curveball here is that your copay can vary across different services. That $50 copay for your primary doctor can turn into a $100 copay at a specialist. In any case, you can just think of copays in terms of dollars.The next concept to attack, coinsurance, turns up the heat a little bit, but I'm confident you can handle it. Think of coinsurance as a percentage that you want to keep as low as possible. For a regular visit your insurance might say that you need to pay 30% of the bill before the rest is covered. That percentage would definitely vary between seeing a preferred provider or someone who's out of network (i.e. a provider who does not accept or have a deal with your insurance company). Your insurance can still make you responsible for more costs even after you pay coinsurance if the provider bills for something that the health plan won't cover no matter what (like a cosmetic enhancement or removal).Let's move on to the infamous phenomenon that is the deductible. Think of it like a comically expensive toll gate. A deductible is a minimum figure you need to spend on your healthcare before insurance covers anything. My insurance for example demands that I spend $1000 out of pocket during the year on regular visits and services. Depending on the health plan you can have multiple deductibles for individuals, families, different services, and out-of-network care. Even though I haven't met a single person who enjoys them, deductibles are common in health plans with low premiums. The premium is just the monthly fee you or your employer pays to have medical coverage in the first place. There is some good news in all this: a decent number of health plans can still fully cover preventative care visits, like seeing your primary doctor, without forcing you to pay a deductible. It's like having the privilege of free drinks and a table at the clubhouse where you pay thousands a year for membership. I'm going to link a useful article from Verywell health on my Substack, again found at rushinagalla.substack.com, that covers those nuances further.Believe it or not, there is a light at the end of the tunnel where your insurance covers just about everything. That light is the out-of-pocket maximum. This is best served with an example. If your health plan has a coinsurance of 20% and you get an eye-watering $100,000 hospital bill, you would think that you need to pay $20K (=0.2 * 100,000) before any coverage happens. But if you happen to have an out-of-pocket max of $10K for the particular hospital work you got, then your insurance picks up the other $90K if you have met all other copay/coinsurance/deductible obligations. This sounds all well and good but you probably have an out-of-pocket maximum just for in-network providers and emergency services. If you know you're getting something complicated in the near future like a knee replacement or extended drug therapy, it's smart to call the number on the back of your insurance card to ask for what your out-of-pocket max would be for a given medical situation. Most insurers will also slap on a lifetime limit. This reflects the fact that your insurance will only pay a certain amount for you, usually in the single-digit millions, over the existence of your membership. So if you wake up one day and want to replace your body parts with some flashy cybernetics for a few million bucks, just keep in mind what your lifetime coverage is and whether or not particular services are included with coverage.But to get back on track, let's just do a quick recap before we close things out. Long story short: think of copays with dollars, coinsurance with percentages, and deductibles with toll gates. The plot twist here is that your insurance may combine two or three of those payment types. So just be aware that, for example, you could have a $2000 deductible then 10% coinsurance for everything after that.For now though, we'll take a break from insurance side of things and shift back to medical care. Knowing when to seek private healthcare or hospital and corporate healthcare is the next thing we'll talk about so you can take advantage of the coverage you do have! Subscribe to Friendly Neighborhood Patient for more healthcare tips and tricks. I'll catch you at the next episode. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit rushinagalla.substack.com

  What can you do to protect your clients from high out-of-pocket costs related to hospital stays or emergencies? Learn how to talk to your clients about Hospital Indemnity plans!   Read the text version.   Register for your FREE RitterIM.com account   Mentioned in this episode:   5 Strategies to Boost Your Annuity Sales Boost Business Selling Hospital Indemnity Insurance Contact the Team at Ritter Insurance Marketing Cover those Copays with Hospital Indemnity Plans Four Ancillary Cross-Sales to Show Clients You Care How Does a Hospital Indemnity Plan Work with Medicare? A Case Study Schedule a Call with Ritter Insurance Marketing Selling Hospital Indemnity with Medicare Advantage Plans: Is It Worth It? The Value of Staying in Touch with Clients This is the Real Reason Most Americans File for Bankruptcy Why Am I in Observational Status for Medicare?   More episodes you'll like:   4 Reasons Why Ritter Should Be Your FMO Insurance Agency Winter 2021 Podcast Recommendations Selling Life Insurance to Clients with Budget Concerns   Articles to Share with Your Clients:   This Year, Focus On Health, Not Weight Does Medicare cover Respite Care? Cooking for Beginners: Frying Tips   Ritter Insurance Marketing eBooks & Guides:   A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products The Complete Guide on How to Sell Medicare Advantage Plans The Complete Guide to Client Loyalty and Retention   The latest from Ritter's Blog:   How to Transition from AEP to D-SNPs 8 Reasons Why Medicare Agents Should Sell ACA Plans The Part D SEP Triggers That Can Help You Post-AEP   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram  

Do you know how your insurance plan works? Like really know how it works?? Lemme tell you: as a healthcare professional, even I get confused about this stuff! Copays, co-insurances, out of pocket maxes, deductibles, premiums: it's enough to make anyone's head spin! Today we are going over the VERY basics on what to be aware of when using your insurance, especially as it pertains to your physical therapy care: what to look for, what to ask, and what goes on behind the scenes. While this may not be the most riveting topic I've done, it's one of the most important. You absolutely need to be involved in the conversation when it comes to your health and healthcare, otherwise you will be spending valuable time and money chasing outcomes that will never materialize because you didn't know what to look for. This episode is NOT me convincing you to pay out of pocket for PT: it is me educating you on what you need to know before signing with someone who "takes your insurance," because it may be costing more than you think! The more you know and the more you involve yourself in the conversation, the quicker you will be to getting your damn life back! Healthcare is a difficult territory for women to navigate, as many of us are left feeling dismissed and unheard, our concerns being chalked up to being a "crazy woman" who just needs to lose weight (BARF). That shit ends here and now. Today, we take back our health and speak up: because no one else is gonna do it for us. Join the Finally Floored Waitlist: https://bit.ly/FF_Spring_2022 Follow me on IG: dr.mel_pt Send me an email: mcioffidpt@newquestpt.com Work with me: www.yournewquest.com **Information presented in this podcast is not to be taken as medical advice and is for educational and entertainment purposes only** Theme music courtesy of Grace Mesa, “Like We Do”

Dr. Wendy Molaska offers many points of view about Direct Primary Care.  In just over 35 minutes, we touch on all of the important aspects of DPC, examined through a variety of lenses including·         Physician and patient perspectives in DPC and traditional primary care·         Physicians employed by a big system vs practicing independently·         Physician incentives in DPC vs in the “sick care” system·         Copays and deductibles are barriers to primary care access; flat DPC fees remove the barrier ·         Why “it feels so different” to spend time and energy figuring something out that directly benefits the patient vs spending the same time and energy to save the insurance company a few bucks·         What DPC advocacy looks like in a Medical Society and in Academic Medicine·         Scope of practice, transparency and frustration·         Physician burnout and workforce shortages·         Educating the public and the patient about DPC·         Primary care in rural vs urban areas; doctors are returning to rural hometowns as small practices are sustainable in a DPC model ·         Medicaid debit cards for DPC fees improve the health of high risk patients and avoid expensive emergency department and hospital care

  Find out how Hospital Indemnity plans combine with Medicare for powerful coverage solutions. We take a look at a specific case in this episode.   Read the text version.   Meet Ritter's More Than Medicare Team   Register for your FREE RitterIM.com account   Mentioned in this episode:   Boost Business Selling Hospital Indemnity Insurance Cover those Copays with Hospital Indemnity Plans Medicare MSA Plans & Hospital Indemnity Insurance: The Perfect Pair Selling Hospital Indemnity with Medicare Advantage: Is It Worth It?   More episodes you'll like:   July 9, 2021 | The Friday Five In this episode: Medicare DVH expansion, HHS & surprise medical bills, summer reading for Advisors, can breathing exercises lower blood pressure, and shrinkflation. The Survivor's AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before you know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare. Understanding the Details of Annuities Learn the ins and outs of annuity insurance sales. We've packed all the info in this explainer episode, what annuities are, the different types, how they work, and how to sell them.   Articles to Share with Your Clients:   The Health Benefits of Volunteering Volunteering is a great way to serve your community, but did you know that you can also get something out of it? Here's how volunteering can be great for your health! The Truth About MSG The chemical monosodium glutamate is a surprisingly controversial one. What's the truth behind MSG, and is it really that bad for you? Why Am I in Observation Status for Medicare? You recently needed to go to the hospital and take a short trip to a skilled nursing facility for rehab afterwards. Luckily, it's all covered, right? Not if you've only been receiving observation services...   Ritter Insurance Marketing eBooks & Guides:   A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products Modern Medicare Marketing for Today's Agents The Complete Guide on How to Sell Medicare Advantage Plans   The latest from Ritter's Blog:   FAQs About NAHU Medicare Certification Got questions about NAHU's Medicare Advantage and Part D certification training? We've got answers! AHIP Test Tips and Tricks for Medicare Certification Planning on taking the AHIP Medicare training test for the first time? You don't have to stress! We've put together a list of tips and tricks for passing AHIP that will help you, and even more experienced agents, improve your chances of getting AHIP certified on the first try! NAHU 2022 Medicare Certification Training Like AHIP, NAHU is back offering a Medicare certification training for agents who'd like to sell 2022 Medicare Advantage and Part D products for the Annual Enrollment Period. NAHU's 2022 certification opens July 1, 2021!   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram  

In this episode, the NPF Advocacy Team breaks down a new insurance trend called "copay accumulator adjustment programs". These programs make it harder for patients to afford their treatments because copay assistance is no longer counting toward the deductible or out-of-pocket maximum. Request a free copay accumulator adjustment program resource at www.psoriasis.org/copay-accumulator or email the NPF Advocacy Team at action@psoriasis.org. 

  Ready to start selling Hospital Indemnity? This episode covers the benefits of these insurance plans and how to cross-sell them with existing products in your portfolio. *Ritter does not currently contract for hospital indemnity plans in AK, CA, NH, or NY.   Read the text version.   Mentioned in this episode:   A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products FREE eBooks and Guides for Insurance Agents Ritter’s Summits   More episodes you’ll like:   4 Ancillary Cross-Sales to Show Clients You Care Ready to get started cross-selling? What products can you cross-sell with Medicare? Build up your insurance portfolio with our list of must-have ancillary products! Boost Business Selling Hospital Indemnity Insurance Ready to grow your insurance business? Learn more about hospital indemnity insurance, a powerful ancillary tool for your portfolio. We cover what you need to know, from the basics to closing the sale! How to Cross-Sell Insurance: The Advisor Approach Ready to improve your cross-selling technique? Not sure where to start? We recommend using the advisor approach, a simple method any agent can use for insurance cross-sales. Secure a Bigger, Better Business with Ancillary Products Ready to branch out from Medicare Advantage or Medicare Supplement Insurance sales? Learn how ancillary products can help you expand your reach and add more value to your portfolio. Selling Hospital Indemnity Insurance with Medicare Advantage: Is It Worth It? How can you shield your Medicare clients from the rising cost of a hospital stay? With hospital indemnity insurance! Discover why this plan is a must-have for your selling portfolio.   Articles to Share with Your Clients:   Is Medicare the Only Health Insurance I Need? In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans. I've Gotten the COVID Vaccine. Now What? Once you've received the COVID-19 vaccine, you may be wondering what's next? Can you return to normal life? The answer is a little complex. Start Your Green Thumb with a Windowsill Garden If you've ever wanted a garden, but don't have the space or time, you're in luck! Growing a windowsill garden can make it both easier and more convenient to have a garden.   The latest from Ritter’s Blog:   Why Insurance Agents Fail (& How Not To!) There are many reasons why insurance agents may “fail” or not be as successful as they originally set out to be. Let’s discuss some of those obstacles, and how to overcome them! Ritter is More Than Medicare & Our New Team Brand Shows Why When selling Medicare Advantage and Medicare Supplement policies, it’s important to remember that More than Medicare products are the missing pieces of the puzzle. Medicare Advantage Trial Rights Explained for Agents If you have a client who enrolled in a Medicare Advantage plan but wants to go (back) to Original Medicare, they may qualify for a Medicare Advantage trial right! This would allow them to update their coverage outside of the Annual Enrollment Period.   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook LinkedIn Twitter YouTube Instagram Sarah’s LinkedIn Sarah’s Instagram  

  Ready to branch out from Medicare Advantage or Medicare Supplement Insurance sales? Learn how ancillary products can help you expand your reach and add more value to your portfolio.   Read the text version.   Mentioned in this episode:   Building Client Loyalty: More than Just a Plan Cover those Copays with Hospital Indemnity Plans Sense Success with Dental, Vision, and Hearing Plans These Plans Are Critical to Your Business Strategy   More episodes you’ll like:   3 Easy Ways to Build Your Insurance Sales Territory Maximize your reach and grow your selling territory! We outline the best practices for insurance agents to follow. 4 Ancillary Cross-Sales to Show Clients You Care Ready to get started cross-selling? What products can you cross-sell with Medicare? Build up your insurance portfolio with our list of must-have ancillary products! How Client Retention Boosts Your Insurance Sales Master the art of treating your client as the renewal, not their policy. Learn why building relationships with your current clients is more beneficial (and cost effective!) than courting new ones. Ritter is More Than Medicare & Our New Team Brand Shows Why Does your Medicare sales portfolio have all the pieces of the coverage puzzle? In this episode, we talk about our new team brand and what More Than Medicare means for our agents. Tips for Cross-Selling Medicare Products Maximize your insurance business and your profits by cross-selling. We’ve put together a list of tips to help you get started!   Articles to Share with Your Clients:   3 Senior Women Who Have Changed the World Happy Women's History Month! To celebrate, we want to honor these three women who have shown you can achieve great things over the age of 65! Cookbooks vs. Cooking Books: What's the Difference? If you're looking to improve your cooking, there are options you can try at home. Among these are cookbooks and cooking books. You may be surprised by the difference between the two. Start Your Green Thumb with a Windowsill Garden If you've ever wanted a garden, but don't have the space or time, you're in luck! Growing a windowsill garden can make it both easier and more convenient to have a garden.   The latest from Ritter’s Blog:   Why Insurance Agents Fail (& How Not To!) There are many reasons why insurance agents may “fail” or not be as successful as they originally set out to be. Let’s discuss some of those obstacles, and how to overcome them! Ritter is More Than Medicare & Our New Team Brand Shows Why When selling Medicare Advantage and Medicare Supplement policies, it’s important to remember that More than Medicare products are the missing pieces of the puzzle. Medicare Advantage Trial Rights Explained for Agents If you have a client who enrolled in a Medicare Advantage plan but wants to go (back) to Original Medicare, they may qualify for a Medicare Advantage trial right! This would allow them to update their coverage outside of the Annual Enrollment Period.   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook LinkedIn Twitter YouTube Instagram Sarah’s LinkedIn Sarah’s Instagram  

Dr. Doug Luther is a chiropractor, financial specialist, and an entrepreneur. While he's still in practice, he also has founded and developed two companies: Patient Payment Solutions and Patient Options. Dr. Luther is a partner with Advanced Medical Integration and his companies are providing quality solutions for our doctors and their patients alike! 01:43 Dr. Luther's story 03:23 Compliance 07:02 Financing 13:19 Getting paid up front 21:01 Funding options for patients Learn more about Patient Payment Solutions: https://patientpaymentsolutions.com Learn more about Patient Options: https://www.patientoptions.org Find out more about Medical Integration: https://youtu.be/351fEyN8Fbg #chiropractic #medicalintegration #physicalmedicine

We are living in an unprecedented time.  The world has changed dramatically since COVID-19 began to spread widely in the first quarter of 2020 putting large swaths of populations in partial to full lockdown.  There are still many unknowns about the virus and leaders have had to make decisions with limited or poor data.  Which leads us to ask the question, “Exactly how does one make decisions when operating in an environment with so many unknowns?”  And how does one balance the data with the potential impact on human lives and livelihoods?  To help me explore these questions, I am turning to Kurt Wrobel, a well-known and highly regarded Health Actuary and President of Geisinger Health Plan. Show notes: Books: Apollo by Charles Murray and Catherine Bly Cox; The Wright Brothers by David McCullough; Fire and Steam: A New History Of The Railways In Britain by Christian Wolmar.  Beth suggests watching the documentary: The Saturn V Story on Amazon Prime Video.  https://www.amazon.com/Saturn-V-Story-Phil-Hayward/dp/B01MRSJQKK#:~:text=April%2011%2C%202018-,%22The%20Saturn%20V%20Story%22%20is%20one%20of%20the%20most%20honest,reviewers%20complained%20about%20the%20sound. Podcasts: Society of Actuaries; Russ Roberts on EconTalk

Patrick, Amy, and Natalie share some announcements before Kollet Kouliaos, the National Hemophilia Foundation's Senior Director of Payer Relations, joins to discuss some recent and encouraging survey results regarding copays and out-of-pocket costs, then fresh off the Appalachian Trail, teen adventurer William Addison joins to tell us about his 2,200 mile hike benefitting Save One Life!   PRESENTING SPONSOR: Takeda - bit.ly/TakedaBDsite SEGMENT SPONSOR: Genentech - https://bit.ly/2FZ7K3P   Check out Twitch Rivals: https://bit.ly/2ZXZRTx    Survey Results on Copay Assistance: http://bit.ly/CoPaySurvey SOBO for Save One Life: http://bit.ly/SOBO4SOL WFH’s new President, Caesar Garrido: http://bit.ly/WFHCesar   Check out the new podcast, Haunting Season: http://bit.ly/HSBSP20   SUBSCRIBE to BloodStream on Apple Podcasts - bit.ly/BSPAP LIKE BloodStream on Facebook - bit.ly/BSFB20 WATCH BloodStream on YouTube - http://bit.ly/BSPYT20

Daily Health-Rising Costs of Insulin , the consequences for diabetes going without or stretching it out can be fatal.

  Ready to grow your insurance business? Learn more about hospital indemnity insurance, a powerful ancillary tool for your portfolio. We cover what you need to know, from the basics to closing the sale!   Read the text version.   Learn more about Hospital Indemnity – https://www.ritterim.com/hi   Mentioned in this episode:   Cover those Copays with Hospital Indemnity Plans How do healthcare prices and use in the U.S. compare to other countries? How to Better Market Yourself How to Follow up with Medicare Clients Compliantly Medicare MSA Plans & Hospital Indemnity Insurance: The Perfect Pair Methods to Boost Your Medicare Business Ritter Insurance Marketing Official Website Secure a Bigger, Better Business with Ancillary Products Selling Hospital Indemnity with Medicare Advantage: Is It Worth It?   More episodes you’ll like:   Medicare MSA Plans & Hospital Indemnity Insurance: The Perfect Pair Learn how Medicare MSA and hospital indemnity insurance pair up to create a dynamic duo! Trust us, you don’t want to leave these plans out of your portfolio this AEP! Selling Hospital Indemnity Insurance with Medicare Advantage – Is It Worth It? Pairing hospital indemnity with Medicare Advantage does so much more than generating additional sales. This cross-sale helps shield your clients from the rising costs of a hospital stay. Discover why hospital indemnity could be just the plan your portfolio has been missing! Cover Those Copays with Hospital Indemnity Plans Ready to start selling Hospital Indemnity? This episode covers the benefits of these plans and how to cross-sell them with products you've already got in your portfolio.   The latest from Ritter’s Blog:   A Review of the Top Medicare Quote Engines for Insurance Agents An agent selling Medicare products is only as good as the Medicare quoting tool they’re using. We’re looking at agents’ top options for fast and reliable Medicare quoting software and what makes them so special. Ritter Can Help You Stay in Touch with Your Clients In any type of business, client retention is just as important as taking on new clients. In the insurance world, once a sale is closed, your duty as an agent isn’t over. Working with New Medicare Clients in Poor Health When you meet with a new Medicare client who has a serious health condition or a hefty prescription drug history, flexible coverage is key for your client’s health and your book of business.   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

Costco and some grocery stores are limiting meat purchases as we're experiencing a meat shortage in the country. Humana is waiving copays for members right now. Travel reward credit cards are having a hard time getting customers to renew. So they are having to offer additional benefits to keep customers around. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hallo Max. Lass uns übers Gesundheitssystem in den USA sprechen. Die jährlichen Ausgaben pro Kopf liegen bei 10 500 Dollar. In Deutschland sind es umgerechnet nur 6000. Was macht das US-System so viel teurer? Die Tatsache, dass es kein staatlich kontrolliertes Versicherungssystem gibt. Es gibt drei Arten: private, staatliche und Betriebskrankenversicherungen. Das ist ein Multimilliarden-Dollar-Geschäft. Wie teuer ist eine Privatversicherung? Monatliche Prämien beginnen ab etwa 1000 Dollar. Dazu kommen noch Copays und Deductibles. Was ist das denn? Copay ist eine Zuzahlung bei jedem Arztbesuch. Irgendwas zwischen 10 und 50 Dollar. Kommt man zum Arzt, lautet die erste Frage: »Wo ist Ihre Kreditkarte?« Ein Deductible ist eine Selbstbeteiligung, die mindestens 5000 Dollar pro Jahr beträgt. Eine Summe, für die man selbst aufkommt, bevor die Versicherung überhaupt zahlt. Da geht doch keiner mehr zum Arzt! Manche nicht. Vor jedem Arztbesuch rechnen sie genau durch: Kann ich mir das leisten? Man kann oft auch nur zu bestimmten Ärzten gehen, um Kosten erstattet zu bekommen. Nur bei Notfällen muss behandelt werden, ansonsten kann dich die Klinik zurückschicken. US-Bürger sind oft an den Arbeitgeber gebunden, richtig? Ja, ungefähr die Hälfte hat eine betriebliche Krankenversicherung. Bei Arbeitslosigkeit fällt sie aber weg. Das betrifft mit Corona jetzt viele Millionen. Prognosen sagen eine Arbeitslosenquote von bis zu 30 Prozent voraus. Wie viele US-Amerikaner sind unversichert? Obamacare hat die Zahlen seit 2010 von 45 Millionen um zwei Drittel gesenkt. Jetzt kommen aber vermutlich wieder mehr als 20 Millionen dazu. Zusätzlich sind 80 Millionen unterversichert. Auch bei ihnen sind die Zusatzkosten zu hoch, und manche gehen daran bankrott - oder sie bringen sich sogar um, weil sie die Raten nicht mehr zahlen können. Es gibt aber auch staatliche Versicherungen. Ja, Medicaid ist eine tolle Gratisversicherung für Menschen, die ganz ganz arm sind. Sie bekommen Therapien und Arztbesuche bezahlt. Das betrifft aber nicht sehr viele, da das Verdienstlimit sehr niedrig ist. Und Medicare bekommt man erst ab 65. Ändert Corona gerade die politische Debatte? Die Menschen wollen schon seit Jahren ein billigeres Versicherungssystem. Eines, bei dem man keine Angst haben und dauernd rechnen muss. Aber die Republikaner denken, der freie Markt müsse das regeln, alles andere sei Sozialismus und Teufelswerk. Bei den Demokraten ändert sich langsam etwas. Selbst die moderaten unter ihnen wie Joe Biden und Hillary Clinton forderten diese Woche eine universelle Krankenversicherung. Dann hätte Corona doch ein Gutes, auch wenn es ein hoher Preis für diese Erkenntnis wäre. Das Comeback von Joe Biden am Super Tuesday Wie das Coronavirus den Wahlkampf verändert hat Was das vom US-Kongress beschlossene Hilfspaket gegen die Coronakrise enthält Wie die Coronakrise das tödliche Wirken des freien Marktes zeigt Wie die Republikaner Coronavirus zur Wählerunterdrückung nutzen Warum Bernie Sanders wieder nicht gewonnen hat Leere Rhetorik oder Zugehen auf Parteilinke?

Copays, deductibles, coinsurance — it's the alphabet soup of insurance terms. Pomaikai Gomes and Doreen Nakamura from UHA Health Insurance join the show to explain what these terms mean, and how each of us can get to know more about our own health insurance coverage, and be better prepared for any unexpected changes before they happen.

Closed Captioning for Today’s Ask Allison is available: How to set your work hours. Client’s copay keeps bouncing. How do you know when you’re full? Sponsored by Therapy Notes Have a question about building your practice? Email me at Ask@abundancepracticebuilding.com and I’ll answer your question in a Facebook live!

  Learn how Medicare MSA and hospital indemnity insurance pair up to create a dynamic duo! Trust us, you don’t want to leave these plans out of your portfolio this AEP!   Read the text version.   Learn more about hospital indemnity – https://www.ritterim.com/hi   Contact Ritter’s Sales Team   Mentioned in this episode:   7 Powerful Practices for Selling Prescription Drug Plans Boost Business Selling Hospital Indemnity Insurance Cover those Copays with Hospital Indemnity Plans From HSA to MSA: Facts for a Smooth Switch How to Follow up with Medicare Clients Compliantly How to Pitch Medicare Medical Savings Accounts (MSAs) Medicare Medical Savings Account (MSA) Plans Medicare MSA Plan costs & financial considerations Qualified medical expenses Selling Hospital Indemnity with Medicare Advantage: Is It Worth It? Standard Medicare Supplement Plans & Benefits [Infographic] What is a Medicare MSA Plan? Why Am I in Observation Status for Medicare?   More episodes you’ll like:   Boost Business Selling Hospital Indemnity Insurance | ASG161 Ready to grow your insurance business? Learn more about hospital indemnity insurance, a powerful ancillary tool for your portfolio. We cover what you need to know, from the basics to closing the sale! How to Pitch Medical Savings Accounts (MSAs) | ASG098 Start selling Medicare Savings Accounts with help from the Agent Survival Guide. Learn all about MSAs, including who they're meant for, some common concerns your clients might have about this product, and more! Secure a Bigger, Better Business with Ancillary Products | ASG159 Ready to branch out from Medicare Advantage or Medicare Supplement sales? Learn how ancillary products can help you expand your reach and add more value to your portfolio. Selling Hospital Indemnity with Medicare Advantage: Is It Worth It? | ASG160 Pairing hospital indemnity with Medicare Advantage does so much more than generating additional sales. This cross-sale helps shield your clients from the rising costs of a hospital stay. Discover why hospital indemnity could be just the plan your portfolio has been missing!   The latest from Agent Survival Guide:   Do’s and Don’ts of Medicare Compliance Life as an agent before Medicare’s Annual Enrollment Period is a flurry of contracting and certifying. But there’s another C that’s even more important: Compliance. It’s not just something to consider during... (read more) Rules for Hosting a Compliant Medicare Educational Event Holding an educational presentation is a fantastic way to grow your client base, but you must make sure to stay compliant. The Centers for Medicare and Medicaid Services (CMS) have set forth... (read more) Rules for Hosting a Compliant Medicare Sales Event Are you considering holding a marketing event to get the attention of more Medicare clients? You’ll need to follow CMS’ rules for hosting sales events. Check out our streamlined version of the... (read more)   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  Ready to grow your insurance business? Learn more about hospital indemnity insurance, a powerful ancillary tool for your portfolio. We cover what you need to know, from the basics to closing the sale!   Read the text version.   Learn more about Hospital Indemnity – https://www.ritterim.com/hi   Mentioned in this episode:   Cover those Copays with Hospital Indemnity Plans | ASG079 How to Better Market Yourself International Federation of Health Plans 2012 Comparative Price Report Methods to Boost Your Medicare Business Ritter Insurance Marketing - https://ritterim.com Secure a Bigger, Better Business with Ancillary Products Selling Hospital Indemnity with Medicare Advantage: Is It Worth It? | ASG160   More episodes you’ll like: How to Add Technology to Your Insurance Business | ASG158 Ready to bring technology into your business? Not sure where to start? Listening to this episode is a must if you've been thinking about adding technology to your insurance sales process. Insurance Agents & CMS Compliance | Social Media 101 Stay compliant with the CMS Medicare Communications and Marketing Guidelines, even while on social media. We outline the best practices for insurance agents to follow while using social media. Selling Hospital Indemnity with Medicare Advantage: Is It Worth It? | ASG160 Pairing hospital indemnity with Medicare Advantage does so much more than generating additional sales. This cross-sale helps shield your clients from the rising cost of a hospital stay. Discover why hospital indemnity could be just the plan your portfolio has been missing! Social Media Privacy Tips for Insurance Agents | Social Media 101 Online privacy is a big deal. You want to use social media to market your insurance business. How do you protect yourself and your clients? We've got some best practices and a link to a very informative eBook that’s free to download. Listen to find out more! Top 10 Podcast Apps | Agent AppsWhich podcast app is the best? Do you listen on the number one app or a different one? What features are you missing out on? In the premiere episode of our newest series, Agent Apps, we explore the top 10 podcast listening apps and the features that make each one unique.   The latest from Agent Survival Guide:   Do’s and Don’ts of Medicare Compliance Life as an agent before Medicare’s Annual Enrollment Period is a flurry of contracting and certifying. But there’s another C that’s even more important: Compliance. It’s not just something to consider during... (read more) Rules for Hosting a Compliant Medicare Educational Event Holding an educational presentation is a fantastic way to grow your client base, but you must make sure to stay compliant. The Centers for Medicare and Medicaid Services (CMS) have set forth... (read more) Rules for Hosting a Compliant Medicare Sales Event Are you considering holding a marketing event to get the attention of more Medicare clients? You’ll need to follow CMS’ rules for hosting sales events. Check out our streamlined version of the... (read more)   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

  Ready to branch out from Medicare Advantage or Medicare Supplement sales? Learn how ancillary products can help you expand your reach and add more value to your portfolio. Read the text version.   Learn more about Hospital Indemnity – https://www.ritterim.com/hi   Mentioned in this episode:   Building Client Loyalty: More than Just a Plan Cover those Copays with Hospital Indemnity Plans Sense Success with Dental, Vision, and Hearing Plans These Plans Are Critical to Your Business Strategy   More episodes you’ll like:   How to Add Technology to Your Insurance Business | ASG158 Ready to bring technology into your business? Not sure where to start? Listening to this episode is a must if you've been thinking about adding technology to your insurance sales process. Insurance Agents & CMS Compliance | Social Media 101 Stay compliant with the CMS Medicare Communications and Marketing Guidelines — even while on social media. We outline the best practices for insurance agents to follow while using social media. Social Media Privacy Tips for Insurance Agents | Social Media 101 Online privacy is a big deal. You want to use social media to market your insurance business. How do you protect yourself and your clients? We've got some best practices and a link to a very informative eBook that’s free to download. Listen to find out more! Top 10 Podcast Apps | Agent Apps Which podcast app is the best? Do you listen on the number one app or a different one? What features are you missing out on? In the premiere episode of our newest series, Agent Apps, we explore the top 10 podcast listening apps and the features that make each one unique.   The latest from Agent Survival Guide:   Do’s and Don’ts of Medicare Compliance Life as an agent before Medicare’s Annual Enrollment Period is a flurry of contracting and certifying. But there’s another C that’s even more important: Compliance. It’s not just something to consider during... (read more) Rules for Hosting a Compliant Medicare Educational Event Holding an educational presentation is a fantastic way to grow your client base, but you must make sure to stay compliant. The Centers for Medicare and Medicaid Services (CMS) have set forth... (read more) Rules for Hosting a Compliant Medicare Sales Event Are you considering holding a marketing event to get the attention of more Medicare clients? You’ll need to follow CMS’ rules for hosting sales events. Check out our streamlined version of the... (read more)   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook Twitter YouTube LinkedIn  

What does self care mean to you? Do you practice it on a consistent basis? Or do you think it takes too much time, money or just is not that important to you and your life? On this episode, Joi is joined with fellow Social Worker Tiyanna Washington, LMSW (@tspeaksnyc)to discuss the importance of self care and what can happen if you don't take care of yourself. Upcoming Events: October 12 in Brooklyn - Mental Health Empowerment: A Sit Down Talk with Keisha McGill (@queenkeishhh), Dr. Randy (@doc._s & @mentalhop) and D'Shonda (@signedshonda) November 6 at 7pm - IG Live with Anim Aweh (@animaweh) on finding the right therapist! In Network vs Out of Network, Copays & HMO vs PPO! TUNE IN!

This week we celebrate (for real this time) one full year and it's all thanks to YOU. Let's keep this ridiculous podcast going by sending in your crazy, unique, great, awful, laughable interactions at your pharmacy: via Facebook and Twitter. Thank you again for all of your support! Keep Fighting.  - M 

In this episode, Sage explains the intricacies of deductibles, copays and coinsurances, and answers questions on how these cost sharing components factor into the insurance billing cycle.

Every year from October 15 - December 7, you can elect to change, or keep, your Medicare plan.  But, how do you know which plan is best for you?  Contributing Editor from Kiplinger Personal Finance, Kim Lankford, joins host Heather Kelly to take the intimidation out of the sign up process. www.kiplinger.com But, what if you don't turn 65 until after the open enrollment?  Kim give the resources you need to get started.  And, she explains the difference between Medicare Part A, B, C, and D in this episode of Money Making Sense.  See omnystudio.com/listener for privacy information.

On this episode, Matt & Jesse have a discussion with Kelsey Goldberg (@KelseyFGold) and Jack Suria Linares (@SuriaLinares213) from DSA-Los Angeles chapter about the Democratic Socialists of America (DSA). Kelsey and Jack explore their childhood and later political awakening by describing the moment (or moments) that led to not only their transcendent belief in socialism, but how they went beyond mere beliefs by deciding to take action and become activists and organizers via their self-discovery process. We will also learn about DSA's history and contributions, as well as its future aims as a consequence of its recent National Convention. Additionally, our visitors to the show will talk about what DSA-LA has in the revolutionary pot that's about to boil over into a Mario-Brothers pasta of comrade-goodness. By the very end of this podcast episode, Kelsey, Jesse and Jack get our ‘DSA-Curious' Comrade, Matthew, to break down his resistance and finally #TrySocialism. Mentioned In This Episode: The National Website for Democratic Socialists of America The Facebook Page for Democratic Socialists of America The Twitter Page for Democratic Socialists of America The Official Homepage for the Los Angeles Chapter of DSA The Facebook Page for DSA-LA The Twitter Page for DSA-LAJeff Stein in Vox: “Nine Questions About the Democratic Socialists of America You Were Too Embarrassed to Ask” A Slacker-Ode as a Comic-Meme: Split Photo Abbott & Costello Vs. Jesse & Matt New Democratic Party (NDP) of Canada: A Historical Guide of Its Policies and Aims A List of Official (& Past) Political Parties in Canada The Guardian: “Thomas Piketty on the Rise of Bernie Sanders: The U.S. Enters a New Political Era” (Translated from Its Original Publication Source: Le Monde - 14 February 2016)The Entrepreneurial Myth Meets the Diseased Myth of the Star System: A Recent Propaganda Ad from IKEA The Service Employee International Union (SEIU): A Wikipedia History The Official Website for SEIU Richard Berman in The Washington Times: “A Story of Union Waste: The Service Union Squanders Millions on a Losing Cause” Rudolf Rocker: A Biography The Anarchist Library: Articles and Books by Rudolf Rocker GoFundMe Accounts for Boston Massacre (the record for GoFundMe, in 2013, was for Jeff Baumen, who raised $805,000.00 from donations) O THE IRONY: Free Healthcare for American Prisoners! (But No Deductibles or Copays?) PBS's 25th Anniversary Special: Looking Back at the LA Riots After the Beating of Rodney King Anna Deavere Smith's Stunning ‘Documentary Theater' Twilight: Los Angeles, 1992 Noam Chomsky's Manufacturing Consent - The Documentary (1992) Noam Chomsky Admits He's Not Charismatic But Folks Follow Him Instead for the Ideas He Offers . . .Chris Hedges in Truthdig: “Noam Chomsky is America's greatest intellectual. His massive body of work, which includes nearly 100 books, has for decades deflated and exposed the lies of the power elite and the myths they perpetrate. Chomsky has done this despite being blacklisted by the commercial media, turned into a pariah by the academy and, by his own admission, being a pedantic and at times slightly boring speaker. He combines moral autonomy with rigorous scholarship, a remarkable grasp of detail and a searing intellect. He curtly dismisses our two-party system as a mirage orchestrated by the corporate state, excoriates the liberal intelligentsia for being fops and courtiers and describes the drivel of the commercial media as a form of ‘brainwashing.'” Al Jazeera: “More Americans Joining Socialist Groups Under Trump” The New Republic: “Are the Democratic Socialists of America For Real?” Sarah Silverman at the DNC Convention in 2016: “Can I just say, to the Bernie or Bust People, You're Being Ridiculous.” Matthew Snyder's Co-Organizing for the First Fundraiser in the I.E. for Sanders' Presidential Run: “Our Barn-Storming-for-Bernie Fundraiser in the I.E.” {July 18th, 2015} Why People Support Bernie Sanders from Such a Broad Spectrum of American Society? James Walsh and Guardian Readers: “10 Reasons Why Voters Are Turning to Bernie Sanders” DSA's Official Endorsement for Bernie Sanders' Candidacy for President in 2016 Daniel Denvir's The Dig (Podcast): “The Democratic Socialists of America and the Fight Against Trump” Did Labour Really Gain 150,00 New Members After the General Election? The Guardian: “Heather Heyer, Victim of Charlottesville Car Attack, Was a Civil Rights Activist” The Guardian: “Mother of Charlottesville Victim Heather Heyer: They Tried to Kill My Child to Shut Her Up.” Michael Tomasky in The Guardian: “Should Obama Have Accepted the Nobel Prize?” Rob Wile in The Business Insider: “12 People Who Should Not Have Won The Nobel Peace Prize” Politifact: “Pants on Fire Claim that George Soros Money Went to Women's March Protesters” Antimedia: “That Awkward Moment When One Nobel Peace Prize Winner Bombs Another” President ‘Bomb-Bomb' Obama: This Map Shows Where President Barack Obama Dropped His 26,171 Bombs for 2016 (3,000 More Than 2015) A History of Democratic Socialists of America: 1971-2017 - A Merger of Two Different Groups Occupy Los Angeles: A History Old Memories, Old Photos: Soapbox: Jesse's Anarchist Book & Infoshop in Bellingham, Washington Fugitive Pieces: Matt's Son & Daughter at Occupy Riverside Amy Pleasant in The Huffington Post: “Artists as Activists: Pursuing Social Justice” About DSA-LA, which Started in 2011 & Now Has 1083 Members UCLA's Campus Facilities to Be Used as Athlete's Village for LA's 2028 Olympics The Los Angeles Times Gives Out Letter Grades for Public Officials: Why Eric Garcetti Is Mediocre or Even Awful The Chicago Reader's Article on the DSA Convention for August 2017: “Beyond the ‘Bernie bro': Socialism's Diverse New Youth Brigade” Jack L. Suria-Linares – 2017 NPC Candidate – Local Chapter: Los Angeles To Show Solidarity with Teamster Workers, LA Dock Workers Refused to Unload Any Non-Union Trucks Jia Tolentino: “The Gig Economy Celebrates Working Yourself to Death” Catherine Baab-Muguira in Quartz: “GENERATION 1099: Millennials Are Obsessed with Side Hustles Because They're All We've Got” This Lousy Day in Bullshit Mythologies: For Example, The YFS Magazine as Delusional Self-Pandering: “The Age of the Millennial Entrepreneur Is Upon Us” The Huffington Post: Xennials: The Microgeneration Between Gen X and Millennials Indigenous Action Media: “Accomplices Not Allies: Abolishing The Ally Industrial Complex” Denise Cummins in Psychology Today: “Why Gen-X Doesn't Get Millennial . . . or Boomers” John Scalzi's Blog Whatever: “Straight White Male: The Lowest Difficulty Setting There Is” Briahna Joy Gray in Current Affairs: “How Identity Became a Weapon Against the Left” East Bay DSA Support for SB-562 (Single Payer) Versus Multi-Platform Tendencies for DSA-LA with Nolympics, the Campaign for Making LA a Sanctuary City and Work on LA's Tragic Lack of Solutions for Skid Row. How to Become a Supporting Member of the Democratic Socialists of America (DSA) Childcare & Activism: “Caring for Rosie the Riveter's Kids” The DSA's Structure Oscar Wilde: “Socialism is great but it takes up too many evenings.” David Graeber's TEDxWhitechapel talk: “The Possibility of Political Pleasure” {Where He Fully and Sheepishly Admits That He Enjoys Political Meetings} Sophia A. McClennen in Salon Magazine: “10 Reasons Why #DemExit Is Serious: Getting Rid of Debbie Wasserman Schultz Is Not Enough” A Reddit Discussion on the History of the Rose in Revolutionary Socialist Movements The Worker's Song--Both Poignant & Powerful: “Bread and Roses” Joan Baez Sings “Bread and Roses” The Rose Emoji Revolution for DSA: It's Not Just for Valentine's or Mother's Day DSA-LA Videos, which includes the series 30 in 30, and profiles 30 Leftists in 30 days leading up to the May Day in 2017.Vice News (Sports): “Meet Los Angeles's New Anti-Olympics Movement” The Real News (YouTube): Michael Payne from the Charlottesville Chapter of Democratic Socialists of America Retells Harrowing Account of Car-Attack The Deceptively Brilliant and Charming YouTube Video Thanks, Capitalism! Created in Collaboration with DSA-Los Angeles & the DSA National Design Committee (Kelsey Goldberg Narrates the Video) DSA-LA Crashes Garcetti's Re-Election Bash IndieWire's Bullshit (Neoliberal) Article Celebrating Patty Jenkins “Breaking the Glass Ceiling on Director Pay” Snap Election - Thor Ragnarok parody with Theresa May and Jeremy Corbyn Jack Suria Linares in New Politics: “DSA Convention: Mapping a Strategy, Avoiding Dead-Ends” Matt's Mention with the Problems with Folk Politics is Explored in Detail with Alex Williams and Nick Srnicek's Inventing the Future: Postcapitalism and a World Without Work {And Discussed in Episode 15 of The Future Is A Mixtape} Nick Falkvinges's “3-Pirate Party Rule” in Swarmwise: A Tactical Manual to Changing the World Kelsey Goldberg in Left Side of History: “Do Not Merely Eat Cake” The Socialist Alternative Versus the Green Party Versus the DSA: Organizing Outside of Elections and What Should Count as Success? Mayor-elect Lumumba: Jackson 'to Be the Most Radical City on the Planet' Winning Mayoral Candidate in Jackson, Mississippi: Chokwe Antar LumumbaCathy Woolard for Atlanta MayorCathy Woolard's Competitors for Mayor of Atlanta Bernie Sanders on Democratic Socialism FULL Speech - Georgetown University - Given on November 19, 2015 Feel Free to Contact Jesse & Matt on the Following Spaces & Places: Email Us: thefutureisamixtape@gmail.com Find Us Via Our Website: The Future Is A Mixtape Or Lollygagging on Social Networks: Facebook Twitter Instagram Or Just Become a “Cyberspace-Friend” @Matthew Snyder's Facebook Account