Health Insurance

  • Health Insurance

    Free Covid-19 tests are only “free” if you can figure out insurance reimbursement

    Do you have a printer? Do you have a fax machine? If not, you might have trouble getting your “free” at-home Covid-19 test paid for by your health insurer. As of January 15, Americans with private insurance are able to submit their at-home testing bills to their insurer in order to get reimbursed. But for some people, that may be easier said than done. Some insurers are letting their customers submit their bills online, but others are requiring people to physically print a piece of paper that resembles an IRS form, fill it out, and then either send it  

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  • Health Insurance

    A Guide to Quitting Your Job

    Dependent care accounts are different: Employees can be reimbursed only for expenses up to the amount that has been deducted from their paychecks. Health savings accounts, which are typically used in conjunction with high-deductible health plans, aren’t use-it-or-lose-it. That money is yours to keep even if you don’t spend it; the account isn’t tied to an employer. “The account would stay put, and could still be used to reimburse or pay for qualified medical expenses,” said Frank Fiorille, vice president of risk, compliance and data analytics at Paychex. But you can’t make new contributions, unless you open a new high-deductible  

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  • Health Insurance

    Enlisting Health Insurance Companies to Help With Rapid Covid Tests Was a Dumb Idea

    That’s not hyperbole, it is by design: The role of private insurers within a for-profit multi-payer system is to restrict access as a gatekeeper, determining who is entitled to use which healthcare services and how much they pay for this. To keep these obligations profitable, they employ an army of claims assessors to argue with you, erect arbitrary hoops for providers and patients to jump through to prove you actually need certain care, raise copays and deductibles as high as possible, and foist as much of the paperwork as possible onto patients. Insurance companies play the single ghastliest role  

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  • Health Insurance

    Health insurers must cover your at-home Covid test costs as of Jan. 15

    Starting Saturday, private insurers must cover the cost of up to eight at-home Covid-19 tests per month, the Biden administration announced on Tuesday. “We are requiring insurers and group health plans to make tests free for millions of Americans. This is all part of our overall strategy to ramp-up access to easy-to-use, at-home tests at no cost,” said U.S. Department of Health and Human Services (HHS) Secretary Xavier Becerra, in a statement. Covid tests purchased after Jan. 15 will be covered by almost all private insurers, but there are other ways you can currently get free tests, too. What you  

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  • Health Insurance

    Atlanta restaurants ask diners to cover health insurance for servers

    “I didn’t want to bury it in a price increase. I wanted customers to understand,” O’Brien said. She feared backlash from customers, but feedback has been overwhelmingly positive. Calvert said he has not experienced a single incident of pushback at Ticonderoga Club, adding, “I’ve had guests thank us for it over and over again.” Vizethann estimated that 90% of Buttermilk Kitchen’s clientele has been “super kind and positive” about the decision, although some have questioned why she doesn’t just increase prices. ExploreOpinion: Strengthening healthcare is duty to our neighbors “I don’t want to price myself out of the market,”  

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  • Health Insurance

    Quit your job? Here’s what to do about health insurance

    In November, 4.5 million people quit their jobs, according to data from the Labor Department released earlier this week. And they are leaving for a variety of reasons: higher pay, better benefits, more flexible schedules, more fulfilling work, new challenges — including starting their own business — and they’re even retiring early. And while it’s a hot market for job seekers at the moment, workers should consider the benefits they might be giving up when they leave their jobs. A big one is employer-sponsored health insurance. “Most employees know that their employers offer health insurance benefits, but they don’t necessarily  

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  • Health Insurance

    Surprise medical bills are the target of a new law. Here’s how it works : Shots

    The No Surprises Act is intended to stop surprise medical bills. It could also slow the growth of health insurance premiums. J. Scott Applewhite/AP hide caption toggle caption J. Scott Applewhite/AP The No Surprises Act is intended to stop surprise medical bills. It could also slow the growth of health insurance premiums. J. Scott Applewhite/AP The new year brings new protections for patients with private health insurance who will no longer be blindsided by “surprise” medical bills when they unknowingly receive out-of-network care. The No Surprises Act, passed by Congress in 2020 as part of the coronavirus relief package, takes  

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  • Health Insurance

    Can companies make the unvaccinated pay more for health insurance?

    AUSTIN (KXAN) — As COVID-19 cases surge and hospitals across Texas fill up with patients battling the virus, big companies are considering using a newer tool to incentivize vaccinations: charging unvaccinated workers more for health coverage. Delta Air Lines was the first major employer to announce it was taking this tactic. In August, Delta CEO Ed Bastian announced unvaccinated employees enrolled in its healthcare plan would have to pay $200 extra in health insurance each month. Bastian said the rise in premiums for unvaccinated workers was necessary to offset the costs of covering medical bills for workers who ended up  

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