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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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Telemedicine Benefits

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.

 

What is Covered By Obamacare?

What is Covered By Obamacare?

Preventive services are covered under the Affordable Care Act at no cost to the insured. This means there is no co-payment or deductible. There are specific services provided for all adults and specific benefits provided to women and children.

What Happens If You Forget To Pay Your Premium By The Due Date?

What Happens If You Forget To Pay Your Premium By The Due Date?

Life happens, and while you should make every effort to pay your health insurance premium on time, health insurance plans generally will have grace periods. You may have a grace period of 30 days, or if your insurance plan is through Nevada Health Link (on-exchange), it may be up to 90 days.

Medical Loss Ratio

Medical Loss Ratio

This Medical Loss Ratio states that when a family or individual buys a medical plan, 80% of every dollar collected and paid to an insurance company MUST pay medical claims/research. So that leaves the insurance company to pay ALL of their expenses with the remaining 20%. .20 cents on the dollar for their employees, buildings, broker costs, etc.

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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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Can You File for Medical Bankruptcy?

The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.

Understanding Your New Health Insurance Plan

If you’ve recently enrolled in a health insurance plan, there are several things that you can do while you’re waiting for your coverage to begin. Being proactive while you’re waiting for coverage can ensure that you receive quality healthcare.

Get The Most From Your Health Insurance Plan

Today’s Health Insurance plans may offer benefits above and beyond just doctors and hospitals, such as free preventive services, fitness programs, teledoc/telehealth, and so much more!

Filing An Appeal To A Health Insurance Company

If your health insurance company refuses to cover a claim, you have the right to appeal the decision and have it reviewed by a third party. Your policy should outline how to appeal a denial.

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