Health Plan Archives - DesignHealth Benefit Advisors

Less Than A Month Away For A January 1st Enrollment Date

November 17, 2015 / Design Health / All Posts, Did You Know?, Health Insurance, In The News

There is less than a month left for a January 1st start date so don’t miss out on the December 15th enrollment deadline. If you are someone that understands health insurance plans backwards and forwards then you are way ahead of the game, but many Americans do not understand the other language that is “health insurance.” I encourage you to reach out to a broker that is well versed on the language and let the help you understand. Once you enroll in a health plan during Open Enrollment for 2016 you are locked into that plan for the entire calendar year unless […]

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Did You Know, Not All Doctors are In Network?

November 2, 2015 / Design Health / All Posts, Health Insurance

You enroll in your health plan and choose an option that is affordable and seemingly everything you are looking for, but is it really? I come from personal experience when I discuss this as I was extremely naive to how health coverage works when I first started working in this industry. I received my health cards last year and noticed a doctor printed on my card but failed to look at the fine print. I thought nothing more of what was printed on my card. A few months later I was sick and needed to see a doctor, so I called a

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How does a Deductible and an Out-of-Pocket Maximum Work?

October 20, 2015 / Design Health / All Posts, Did You Know?, Health Insurance

When an individual or family enrolls in healthcare they are often bombarded by insurance jargon that isn’t the easiest to understand. The health insurance world speaks a different language than what most of us are used to. So what exactly is an out of pocket maximum and how does that work with a health plan deductible? An out of pocket maximum is the most you’ll have to pay during a policy period (usually Jan 1st-Dec 31st) for health care services. Once you’ve reached your out-of-pocket maximum, your plan begins to pay 100 percent of the allowed amount for covered services. I

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How To Shop For Health Insurance

October 14, 2015 / Design Health / All Posts, Did You Know?, Health Insurance

As Open Enrollment for 2016 is fast approaching do you know what to look for when selecting your health insurance? Many Americans are unsure what they are getting when they enroll in their plan until they go to use services and realize that they are under-insured. Consumer Reports highlights three key points to go over as you select your healthcare plan. First off “What does the plan cover?” With the Affordable Care Act (ACA) each health plan must cover certain items including: maternity and newborn care, mental health and substance-abuse treatment, preventative services, and pediatric services including dental and vision care. These are

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Do you know what an H.S.A. is?

June 9, 2015 / Design Health / All Posts, Health Insurance, In The News, Small Business

Health plan options can be confusing and with the A.C.A. in full effect, we wanted to highlight one of the plans that many people are not familiar with. What is a Health Savings Account or H.S.A.? This is a high deductible health plan that enables individuals to create a savings account to contribute funds that are not subject to income tax. This account can be used to pay for “qualified medical expenses” tax-free. When an individual selects an H.S.A. qualified plan premiums are typically lower and deductibles are higher. Traditional health plans in comparison commonly cover co-pays for doctor visits and prescriptions, whereas

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