Coping with grief is a big elephant sitting in the room that no one wants to acknowledge. No one really likes to talk about grief, or coping with grief. It would seem people would rather take an IRS agent to lunch than talk to a friend or family member about someone or something they are […]
SITEMAP To make navigation easier, this sitemap is provided. It is a cleaner view, with the individual sections exploded to show the underlying pages. The links on this sitemap open into a new window, so that you can return easily to this page for further view. Homepage for Healthcare Information Guide NO HEALTH INSURANCE No […]
What to do For a Loved One With a Terminal Illness Imagine one day walking into a room filled with your loved ones only to feel them staring as if you were a complete stranger or, picture how it would feel if they started treating you as if you were made of glass. Since they […]
Copayment (or copay) Information Before we get started, I need to let you know that copayment and co-payment, and copay and co-pay are all accepted spellings. You will see all of these forms used interchangeably. The copayment (copay) is the portion of the medical fee which you are responsible for paying. The copay could be […]
Custodial care is assistance provided to help you perform your activities of daily living (bathing, preparing your meals, dressing, toileting, and more). While the care may be necessary for day-to-day living, it is not a medical treatment that requires the skills of a licensed person to perform. Your need for assistance may be considered a […]
Employer and Union Funding Choices Affect You. Fully Funded Verses Self-Funded Plans. Employers and unions can opt to assume the full risk of paying their medical claims. In assuming this risk, they are able to create their own medical insurance policies which are similar to those provided by a medical insurance carrier. Self-funding medical insurance […]
Why do doctors offer treatment options, if you are dealing with a terminal diagnosis? The options being considered are either aggressive or palliative. Again, I can’t stress enough how important it is to understand what your physician is saying when they offer you “treatments” for a terminal illness. I know you are scared. I know […]
Healthcare begins and ends with you. That is to say, as your needs for healthcare and healthcare information change, you must evaluate not only the source but also also what is provided. It is your right to be thoroughly informed; but as importantly, it is your responsibility to participate actively in your own care and […]
Supplemental Travel Insurance Policies Travel insurance is not one of the things on your list of “To Pack” or “To Do”, but if you are considering traveling abroad, you should contact your insurance carrier to see if your plan provides coverage outside the country. Most medical policies do not provide coverage once you step outside […]
Selecting the Policy That is Right for You Selecting the policy that is right for you involves more than finding out which policy is the cheapest! In addition to the cost, you should consider the amount you travel, the complexity of your health condition, your age and, how important “freedom of choice” is to you. […]
Medical Necessity; Does it Affect You? I think the most important “limitation” to understand is the term medical necessity. Your whole policy revolves around those two words. You will want to check your benefit booklet’s list of definitions to understand how your insurance carrier defines this term. Medicare defines medical necessity as follows: “Services or […]
Coming Soon (the new topics) COMING SOON IS INFORMATION ON: Complementary/Alternative Medicine (CAM) Options Tips to Manage Your Healthcare Mobility Devices (this has actually been split into a separate website because it is a large topic. This site is in the process of being built. Definitions page. Any text that you find on pages in […]
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It is hard enough understanding medical jargon or to learn the language under “normal” circumstances. When you are dealing with a terminal illness, it can be even harder. But, whether you are under stress or in an ideal situation, it is important to have a basic knowledge of some of the terms. Let’s look at […]
