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It’s time to take a break

It’s time to stop talking about healthcare reform for this entry and my next blog. It’s not that healthcare reform is not important,  it is – and there will be plenty of time to talk about it in the future.  In my next blog I want to explain how doctors get paid and why it’s dangerous to say “they get paid too much” – but that’s a later topic…

Today, I want to make sure that during this open enrollment season you pick the right insurance plan.  In my last blog I explained some of the changes that are happening with many employer sponsored health plans.  My advice has never been more important.  A recent survey indicated a full 25% of people do not understand what they are selecting when they sign up for employer sponsored insurance.  That is a very scary number.  The reason it’s so scary is because if you make the wrong choice or do not understand what coverage you have or do not have, when you need it most, you may have a problem.  Examples of this can be, finding out certain services are not covered or you have large co-insurance amounts – meaning you pay a significant portion of the healthcare bill.  Whatever the situation, it has never been more important to understand what insurance you have so that you can have peace of mind if you need to use the healthcare system.  Do not find yourself unprepared.

Read the benefit plan.   Ask questions.  Plan ahead if you know you may need to have surgery.  I know it is not always easy and that’s why I take calls every Thursday between 12-2 pm (est) to answer questions.  You can email questions to Andrew@RubinHealth.com.  Whatever you do, just make sure you are an informed consumer.  Do not get caught in the trap that so many people find themselves in day after day, month after month, year after year.  Healthcare/insurance reform is on the way, but not here yet.  Until then, protect yourself.  Read your insurance benefit plan material before you make your selection.  Your life may depend on it.

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