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Technology Is Reshaping How We Get Health Care

The internet has impacted nearly every aspect of our everyday lives, from changing how we watch our favorite shows to making it easier to maintain contact with family and friends living far away. Now, it is even affecting how we meet with our health care providers and get treatment for illnesses, infections and other mild to moderate health concerns and conditions.

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What Is Telemedicine?

Telemedicine is the way that patients communicate with health care providers using technology instead of face-to-face office visits. This method of health care is not new; phone-a-nurse lines have been around for decades, and specialists often confer with primary care doctors to offer advice and guidance on treating or managing conditions. However, the increased use of smartphones and video conferencing has led to more health care providers using technology to provide convenient, affordable care.

 

Does Telemedicine Work?

Obviously, meeting with a doctor over a webcam does not replace every office visit. If you are experiencing symptoms of heart attack, stroke, significant and uncontrolled bleeding, or a suspected broken bone, you need to get to a hospital.

However, telemedicine is a great option for follow-up care. For example, if you have started on a new medication and your doctor wants to find out how it is working for you or what side affects you are experiencing. Saving the trip to the office, and simply discussing it on a phone call or video conference is appropriate. Telemedicine is a good option for getting fast advice when you have symptoms of a virus or infection, or if you have a skin condition such as a mole or rash. It is also increasingly used by mental health professionals for talk therapy.

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Why Use Telemedicine?

In some cases, there’s no substitute for an in-person visit with your doctor. However, telemedicine can be used to treat a range of medical conditions and has benefits that make it an option worth considering next time you need to see your doctor.

 

Telemedicine Is Convenient

Telemedicine puts healthcare within reach of those who would otherwise have a difficult time visiting a doctor. If you have a severe sinus infection, the last thing you want to do is spend the afternoon in the doctor’s office. Visits with your doctor can happen right in the comfort and privacy of your home, eliminating the need to take time off work and figure out childcare arrangements.

 

Telemedicine Can Keep You Healthy

Doctor’s offices are germy places that can be especially dangerous for those who have underlying conditions or weakened immune systems, and during the winter flu season, skipping the in-person visit means that you won’t share close quarters with people who may be sick. On the flip side, if you’re the one who’s sick, visiting with your doctor remotely helps limit the possible spread.

 

Does Auto Insurance Cover Riots?

Does Auto Insurance Cover Riots?

No one wants to be victims of property damage resulting from rioting, and fortunately, auto insurance companies already have provisions for this risk in their coverage options. In fact, there is no need to purchase separate riot, vandalism and civil commotion coverage; if you have comprehensive auto insurance, you most likely have this coverage.

Does Auto Insurance Cover Riots?

Various Tips to Protect and Maintain Your Car

According to Live Science, after being parked in the sun on a 95-degree day for an hour, the inside of a car hits an average of 116 degrees. The dashboard gets even hotter at 157 degrees, the surface of the steering wheel reaches an average of 127 degrees and the seats are a searing 123 degrees on average.

Does Auto Insurance Cover Riots?

Why You Should Avoid a Lapse in Auto Insurance Coverage

n Nevada, auto insurance companies notify the Department of Motor Vehicles when you drop your auto insurance policy. If you have a lapse in your auto insurance coverage, even 1 day, it will be noted on your driving record. When this happens, you may be faced with a $250 dollar fine that will go up over time, and you can have your license suspended until you have auto insurance coverage again.

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How Much Does Telemedicine Cost?

Along with its convenience, among the biggest benefits of telemedicine is its affordability. When chosen as an alternative for going to an urgent care clinic or hospital emergency room, telemedicine is considerably more economical. Just as the exact laws regarding what telemedicine services that health insurance companies must cover vary from state to state, out-of-pocket costs also vary. In some states, patients have the same co-pay for a video or over-the-phone visit that they do for an in-person office visit. Other companies charge a $0 co-pay and others a small, perhaps $10 co-pay.

You will need to call the customer service number on the back of your insurance card to find out how much this visit is for you. Or you can log in to your “Member Portal” online where you can view your plan details. Even in states that don’t require that health insurance companies charge the same co-pays for telemedicine, many health insurance companies make sure that telemedicine services are affordable. Ultimately, telemedicine makes healthcare more accessible, leading to better care and healthier patients.​

 

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How To Know If Your Health Insurance Covers Telemedicine

Telemedicine, or remote medical care through video chat, email, or phone calls, offer a lot of benefits for patients. It makes it easy for those who would otherwise have a hard time getting to their doctor to get the care that they need. Currently, 37 states, including Nevada, have parity laws that require private health insurance companies to cover telemedicine.

While parity laws vary by state, they generally say that private health insurance companies can’t take the insured’s location into account when determining whether a remote visit with a health provider is covered. In other words, even if you’re video conferencing with your doctor from your workplace, your health insurance company must cover it.

Although most states require that major health insurance plans cover telemedicine, some types of plans are exempt from this requirement. If you have a worker’s compensation plan or a small group plan, you may not have this coverage.

Finding Coverage with Nevada Insurance Enrollment

Telemedicine is a convenient option for those who can’t get to their doctor’s office or prefer to stay at home. A Nevada Insurance Enrollment health insurance agent can help you figure out the details of your health plan and the costs involved in using telemedicine visits.​

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Health Insurance: What is a Single Payer System?

A single-payer health care system is one in which there is one party that collects all healthcare fees and covers all health care costs. In theory, this could reduce medical costs because there would be significantly fewer entities involved in the system, thus cutting down on administrative costs.

How to Switch or Cancel Your Auto Insurance Policy

When it comes time to renew your auto insurance, do you simply stay with the insurer that you’ve known and trusted for years? For some, this works out fine. For many, however, this is a costly mistake. If it’s been a while since you’ve shopped around for auto insurance, you could be throwing hundreds of dollars away.

What is a Prescription Drug Formulary?

A drug formulary is a list of the prescription drugs that your health insurance company has agreed to cover so that when you fill your prescription, you don’t pay the full price of the medication. In most cases, formularies are comprised of drugs that are the safest, most effective, and most affordable.

Building the Best Auto Insurance Policy

Your auto insurance needs are unique, and your policy should be also. Knowing the right questions to ask your auto insurance agent as you’re building a policy can help ensure that you get great coverage at a great price.

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