YOUR
BOTTOM
LINE ON YOUR
HEALTH INSURANCE

With this type of policy, you will not have a large deducible if any, and still have a minimal co-pay on visits and prescriptions. Of course, this is if you stick with the preferred providers list.

You will also have a choice to see out-of-network providers when you need a specialist and they are not on the list. Most POS plans require you get a doctor’s referral prior to seeing another doctor or specialist.

Once referred to a specialist within the network, you will have to be prepared to pay more. If you choose to do this, you will be billed directly and must submit the claim to the insurance company your self. Your insurance company will pay their flat rate for whatever you had done and you will be responsible for the rest. You may also be responsible at the time of service to pay the entire amount and wait to be reimbursed your self from your insurance. If you chose to see a specialist on you own, the cost will be higher and around 50% if you were not referred. You will be required to pay a higher amount if you go out-of-network.

So in essence,
you have the right to see whom you chose,
but only as long as it is done at your own expense.

The emphasis on the POS Plan is prevention of illness or disease in order to cut the cost to both the individual and the insurer. The theory is that if you have to put more of your own money into your health care you will think twice about whether or not you really need to go. Therefore it is set up so that if you want to waste the insurance company's money then you have to waste your own money too to do it.

HMOs and PPOs have the same basic emphasis on prevention , but they are less emphatic about it.

With the POS Plan you are encouraged to take an active role in your health and do what it takes to remain healthy and disease free for as long as possible. The idea is to see the doctor less so both you and your carrier together spend less money. 

That makes sense, doesn't it?  Medical insurance companies are in business to make money, they want you to stay healthy so they can collect your premium and not have to pay it out to the health care provider.

So, for those people who do want to pay a much lower monthly premium tend to opt for this type of health insurance plan. POS will ensure a low rate without having to worry about huge deductibles or co-pays if they are ever needed.

If you think that this sound like something you are interested in, talk to several different companies and get some POS policies to look at. Just asking for the policy will show the insurance company that you are on your toes and know far more than the average bear.  Make sure to look at what is covered as well as the price. Do a little research in the various insurance policies that are available to you. The one that you need to pick will depend on your priorities.

You should also check out what drugs are covered under this plan and if you have to pay more (or all) for newer or specific medications instead of the generic brand. Most doctors don’t even think about what kind of insurance you have when they writing out the prescription.  Consequently, you will need to remind your doctor if you are only allowed to use generic to be covered.

One of the biggest challenges that people encounter after bankruptcy is the cleaning up of their credit report. The challenge is one of communication. The credit bureaus only report that which they are told to report from creditors. They don’t discriminate one way or the other. They take the information that is given to them and put it on a credit report. From that reported information your credit score is derived.

After a tooth extraction, it's important for a blood clot to form to stop the bleeding and begin the healing process. That's why your dentist will ask you to bite on a gauze pad for 30 to 45 minutes after an extraction. If bleeding or oozing continues after you remove the gauze pad, place another gauze pad on the area and bite firmly for another 30 minutes. You may have to do this several times.