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Health Insurance Concept - Doctor in hospital with health insurance related icons in modern graphic interface showing symbol of healthcare person, money saving, medical treatment and benefits.
Health benefits such as health insurance policies are provided to ensure that residents of the country are healthy enough to live a prosperous life. From government to private insurance policies, they all are beneficial for an individual and their family.

What are Medical Benefits?

Medical health benefits include the entire medical care that a person requires in order to preserve, promote, and restore one’s health. Medical benefits offer additional medical and surgical services like:

  • Physical therapy
  • Surgeries
  • Critical care
  • Mental health
  • Orthopedic services

Surgeries that medical benefits support are:

  • Vision care
  • Speech and audio pathology
  • Cosmetic surgeries
  • Dental surgeries
  • Prosthetics
  • Neurological surgeries
  • Surgeries related to cancer and tumor
  • Podiatry
  • Plastic surgery
  • Organ transplant


How to get Medical Benefits

In order to receive medical health benefits, first  you have to determine whether you will opt for private or government insurance. Both have different medical coverage. Once decided, determine if your insurance will cover the costs of your family or just yourself and what medical services it will cover.  

Below are some preventive care services that are usually provided in healthcare insurance:

  • Health education including nutrition education
  • Immunization against lethal infectious diseases
  • Counselling of diseases that are genetically inherited
  • Regular medical exams that are inclusive of periodic medical exams


Finding Healthcare Providers

Healthcare providers include:

  • Specialists
  • Doctors
  • Therapists
  • Clinics
  • Clinical institutions
  • Hospitals

Here is how to find your health care provider:

  • Contact and ask people that you trust. Ask members of your family and your friends about their healthcare providers
  • Check the provider’s network that your insurance plan provides

If you are not satisfied with the provider that your insurance scheme has provided, you can view their network and choose another provider until you find someone with whom you are comfortable and satisfied with.

Find suitable doctors that specialize in the services you need,and opt for someone who is nearest to your house.

How to use Health Insurance

Once you have your health insurance in hand, you will be eligible to get the health care that you need when you need it. Here is how to get started with using your health insurance:

  • Understand your Health Insurance

As all insurance plans differ from each other, check your plan so that you can determine what services it covers. Review the summary of the benefits that will be provided to you. The summary will also provide you with information about the preventive services that are mostly at no cost alongside the benefits and the costs of the insurance provider. Here is a breakdown of the kind of doctors you will have:

  • The physicians related to primary care are the main doctors that treat you for common ailments. They take care of your health and they also refer specialists, if required, for a specific type of treatment.
  • Specialists are medical providers that have extra training in specific fields of medicine. They treat patients that suffer from a specific kind of medical condition. For example, a cardiologist will only treat patients who have a heart issue, while a psychiatrist will treat a patient who has emotional and mental issues. Make sure that you understand the entire process of going to a specialist. It is possible that some insurance policies may only allow treatment from a specialist after you have consulted your main doctor.


How to Make an Appointment

  • Contact the providers: Explain that you are a new patient. Provide details about your insurance company and ask for appointments available. Choose the one that is suitable for you.
  • Ask for paperwork: After you have set an appointment and visited the doctor, make sure that you get the paperwork defining your appointments and insurance policies. Keep a check on the bookkeeping records that your insurance provider will maintain.

Check out America's Best Bookkeepers

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual accounting, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file and critical financial documents in an efficient and secure environment. Complete Controller’s team of  US based accounting professionals are certified QuickBooksTMProAdvisor’s providing bookkeeping and controller services including training, full or partial-service bookkeeping, cash-flow management, budgeting and forecasting, vendor and receivables management, process and controls advisement, and customized reporting. Offering flat rate pricing, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

 

 

 

 

 

 

 

Health Insurance Concept - Doctor in hospital with health insurance related icons in modern graphic interface showing symbol of healthcare person, money saving, medical treatment and benefits.
Health insurance can be considered a big blessing for many people. It can help save and protect an individual from high and extraordinary costs of an injury or illness. Not just that, having health insurance provides an individual with regular health care services. For instance, vaccines and exams.

But, the main issue and problem is that health insurance costs an arm and a leg. Not to mention, it can be extremely hard for an someone to select the best insurance for them.

What are the Benefits of Health Insurance?

You will reap the benefits of whatever services the health insurance compensates for. In order to use the benefits of health insurance, you have to actually need it. Only medically necessary services will be paid for by your health insurance.

The majority of health insurance companies cover a wide variety of basic services. Examples are:

  1. Hospital care
  2. Visits to specialists and primary care doctor
  3. Outpatient procedures such as surgery
  4. Diagnostic services and laboratory tests such as x-rays, blood tests, and mammograms
  5. Newborn care and pregnancy
  6. Routine and preventive care such as checkups and vaccinations
  7. Mental health care such as therapy 
  8. Urgent and emergency care
  9. Rehabilitation therapy such as physical, speech and occupational therapy
  10. Nursing home care or home health care after being discharged from a hospital stay

All of these benefits listed are also known as essential health benefits.

Your Guide for Health Insurance

Do you need help in picking your health insurance? You need to do some serious research before you make your decision. You can end up saving a whole lot of money and stress with just a little time.

  1. Do your Research Prudently and Carefully

Decisions happen to vary from family to family and state by state. Let’s take an example of this. You may have happened to qualify for this year’s tax credits, even in the case that you were not qualified for last year. Around 80% of the people who purchase insurance through exchanges happen to be qualified and are entitled to a tax-credit subsidy. Instead, you should take the route of going through the whole procedure of entering your revenue, number of kids, etc. Fight the impulses and urges to renew all information of what you had the previous year because its possible that there might have been some big changes. Although this can get mindbogglingly complicated, you need to plow forward and do your research carefully.

  1. Ask your Friends and Family

Many of us are already doing this. We tend to consider and follow the advice and experience of our trusted friends, family, and colleagues. We might even consider their advice more trustworthy than our insurer.

  1. Compare and Match Different Kinds of Health Insurance Plans

The most common types of health insurance plans are EPOs, HMOs, POSs or PPO plans. Whichever kind you select, will determine which doctors you will be eligible to see as well as your medical costs taken out of pocket. 

When you end up comparing the different plans, make sure that you search for a brief summary of all benefits that will come from that health insurance plan. Most of the online marketplaces typically offer a link where you can view the summary and the cost of the plan. If need be, get a hold of a provider directory. You will find an entire list of the clinics and doctors that happen to be a part of the plan’s network. If you’re going through the benefits as an employer, make sure to ask your office benefits administrator to provide you a summary of the benefits.


Check out America's Best Bookkeepers
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual accounting, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file and critical financial documents in an efficient and secure environment. Complete Controller’s team of  US based accounting professionals are certified QuickBooksTMProAdvisor’s providing bookkeeping and controller services including training, full or partial-service bookkeeping, cash-flow management, budgeting and forecasting, vendor and receivables management, process and controls advisement, and customized reporting. Offering flat rate pricing, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.