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Helpful Plans to Choose a Health Insurance

April 22nd, 2013 10:04 pm

1. Check for grandfather exemptions. If your employer makes no substantial changes to your insurance plan, it may be “grandfathered in” and not subject to certain required provisions in the health reform law. These include free coverage (with no copay) for preventive services like blood pressure or depression screening, smoking cessation programs, and immunizations. Plan materials will indicate whether or not the plan is grandfathered, along with the benefits it provides.
2. Decide which plan type best meets your needs. There are generally three types of plans: health maintenance organizations (HMO), preferred provider organizations (PPO) and point-of-service plans (POS). An HMO requires that you use physicians within a specific network, giving you less flexibility but a more affordable cost. A PPO allows you to stay in-network or go out of network for a heftier fee; out-of-pocket costs are usually higher for PPO’s than for HMO’s. POS plans combine elements of HMO’s and PPO’s. They give you the option to pay more for venturing out of network, but usually require you to choose a primary care physician within the network and get a referral from that physician before seeing any specialist.

3. Identify changes before re-enrolling. That could save you from dealing with unexpected costs if your benefits have changed. Coverage for a particular service such as chiropractic care may have disappeared, or the cost of covering your spouse may have increased. So it could pay to change plans. More likely, your monthly premiums have gone up, due to rising healthcare costs.

4. Make adjustments to your current plan or consider switching. Take into account whether your needs have changed. If you’re planning a family, you might need maternity coverage, for example, or perhaps you’d like to add an adult child back onto your insurance. All plans are now required to cover children up to age 26, though grandfathered plans may exclude these young adults if they have access to health benefits through an employer. Adult children, like those under 18, can no longer be rejected for having pre-existing conditions like asthma or cancer.

5. Factor in your favorite doctors. Before electing a different plan, check to see that your primary care physician and specialists are in its provider network. Women in non-grandfathered plans now have the freedom to see an obstetrician-gynecologist without a referral, but they still need to make sure any doctor they choose participates in their plan’s network if they have an HMO or don’t want to face extra fees if their plan is a POS.

6. Size up the cost. Compare the total cost of various plans using an online calculator, a tool offered by many employers. If you are young and healthy, you may want to trade pricey monthly premiums for a higher deductible (paying more out-of-pocket before coverage starts). Be sure to factor in copays (the physicians’ fees) and coinsurance (your share of the cost for prescriptions or hospitalization).

7. Don’t get lured by those new freebies. While new plans now require you to pay nothing for certain routine preventive care, you might not need to switch off your old plan to reap this benefit. Many plans were already offering preventive services at minimal or even no cost prior to the passage of health reform, says Randall Abbott, a senior healthcare consultant with Towers Watson, a global consulting firm based in New York.

San Diego Dentist

December 29th, 2012 3:30 am

In locations such as southern California, looks are everything and having a bright smile is a top priority. Las Angelas and San Diego Teeth Whitening centers are all over and the procedure has become in high demand.

As a person ages, their teeth naturally become more yellow. It is normal for a younger person’s smile will appear to be brighter than that of an older person’s. Other know causes of tooth discoloration are due to stains from habits such as smoking, drinking red whine, coffee, tea, eating foods like chocolate and spaghetti sauce.

There are many different methods of teeth whitening available to the public. Some are more effective than others. There are numerous products that can be purchased over the counter such as whitening tooth paste, mouth wash, and strips, while other methods need to be prescribed by a dentist.

The products that you purchase over the counter tend not to be as effective as having a dentist whiten your teeth. These products are much cheaper than going to a specialist, but the results are very minimal. The toothpastes have a whitening agent in them but there is minimal contact with your teeth and water and saliva will lessen the impact it will have. The strips are a bit more effective due to the bleach having longer contact with the teeth, but the results are mostly seen on the front teeth leaving the back teeth appearing even more yellow than before.

People that live in places such as San Diego believe it is definitely important to have a white, bright, and beautiful smile. It is first thing for anyone that takes pride in the way they look should be concerned with. A smile is one of the first things that people notice when they meet. It has a big impact on a first impression and how a person is perceived by others.This is why so many choose to have their teeth whitened through their dentist who has access to a more potent bleach that will create more noticeable results. San Diego dentists specialize in whitening procedures due to the increase in demand for it.

Once a whitening procedure is performed it is important to remember that regular dental care is an important factor in maintaining a beautiful smile. Taking the time to properly care for your teeth by brushing, flossing and scheduling regular cleanings with your dentist will help in keeping whiter, healthy teeth.

Dr. Aryan has many years of experience as well as extensive continuing education in esthetic, restorative, and Implant Dentistry. He has completed his Advanced Cosmetic Training and Residency at Esthetic Professionals as well as Placement and Restoration of Implants with University of California Los Angeles (UCLA).