November 16, 2011
Studies have shown that many Americans know little about basic health insurance terms and are uncertain about health care reform provisions…
Percentage of Americans Knowing Basic Terminology:
- Premium (41%)- The amount you pay each month to maintain your coverage
- HMO (34%)- Health Maintenance Organization, or health insurance combining a range of coverages in a group basis
- Coinsurance (25%)- The percentage of change of a charge for a covered medical service that you needto pay yourself
- Deductible (55%)- The amount you pay before your insurance starts to pay its portion of costs for a covered health expense
Other facts:
- 54% consider themselves uninformed about 2010 healthcare reform legislation
- 34% don’t know if their health insurance coverage plans cover diagnostic services such as sonograms, x-rays and MRIs
- 35% don’t know if their plans cover overnight hospital stays
- 36% don’t know if their plans cover immunizations
- 41% know whether or not their plans cover maternity care
Want to improve your health insurance IQ? Contact us at (520) 721-4848.
We are more than willing to help inform you about the details of your coverage plan and any other health insurance topics.
November 11, 2011
The holiday season has sprung up and along with it, November’s Long-Term Care Awareness Month. There is no better time for generations of families to begin planning festivities, and the needs of aging parents and loved ones always remains top-of-mind. When those close to you need long-term care, it may impact the entire family—financially, physically, and emotionally. That’s why now is a great time to start planning your own future health insurance needs.
So what types of care are covered in long-term care?
- Skilled Care– Care provided daily from nurses or professional therapists to help you recover from a serious illness or injury.
- Intermediate Care– The same as skilled care, but not provided on a daily basis. For instance, if you injured your arm and need to visit a physical therapist four times a week to help you heal.
- Custodial Care– Assistance with daily activities like bathing, eating, dressing, toileting, continence and transferring.
Having long-term insurance isn’t only about money; it’s also about peace of mind. Ronstadt Insurance will ensure you’ll have access to first-rate care whenever you need it. Our company is a valuable resource for long-term care planning advice and we will guide you to take the right steps in protecting your assets, loved ones and future. Please contact our company today.
