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Repricing on Health Insurance Claims

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We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting the patient’s financial interests from any threat of overpricing. In fact, these predetermined pricing modules are so accurate some insurance companies form their coverage to mirror the preferred billing, therefore limiting the out of pocket expense by thousands of dollars. Those who utilize this service can rest easy knowing that their interests will be protected moving forward from the right billing network with unrestricted networks nationwide.

Although these billing network giants are elusive in today’s ACA health insurance environment, they do exist across the nation, Texas included. In fact, I have helped dozens and dozens of clients take advantage of these unrestricted networks over the last few months alone, at much more reasonable premiums than ACA policies. It is important to consider the network billing plans when choosing the right heath insurance plan for your family, especially for those who do not qualify for a subsidy (Federal income credit given to those with limited financial means). It is extremely important to speak to a health insurance professional who has access to these unrestricted billing networks, in order to protect your financial interests.

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HEALTH

A Patient Guide To Get Medical Marijuana in Oklahoma

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How To Get Medical Marijuana in Oklahoma

 Even though medical marijuana is legal in many states, there are set laws on how to obtain it legally. Read along to learn how to get medical marijuana in Oklahoma.

On May 18, 2021, the Gov. of Oklahoma, Kevin Stitt, House Bill 2272 into law. The law changed a few things in the medical marijuana sector in Oklahoma. The changes that took effect were meant to address the following concerns in the medical cannabis sector:

  • How foreigners should operate cannabis businesses in Oklahoma. 
  • How the Oklahoma Medical Marijuana Authority (OMMA) should conduct compliance checks online 
  • Inspections to confirm if the licenses were operating actively or not

Since these changes are meant to remove a couple of bad actors in the Oklahoma medical marijuana sector, it is clear that the Oklahoma medical sector is taking the right path. The law was also put in place to ensure that all competitors get a fair deal regardless of where they came from. 

The Previous Version of the Act 

An earlier version of the law that the House passed in March. Looking carefully at how it was drafted, it was pretty different from the final version. The artificial caps in the law were more stringent as an oversight, and the number of business licenses was limited. The final version was meant to scrutinize the licenses issued by OMMA and how they were all maintained. Limits are now put in place to control the oversaturated market. That said, let’s look at what a patient needs to do to obtain medical marijuana in Oklahoma. 

How to Get Medical Marijuana in Oklahoma 

The procedure of acquiring medical marijuana in Oklahoma is almost the same in other states in America that have legalized medical marijuana. 

  • Get recommended by a licensed practicing doctor

The first thing you need to do as a patient seeking to get medical marijuana is looking for a physician in the state of Oklahoma who advocates for medical marijuana. The doctors need to confirm that you are suffering from any of the qualifying medical conditions. To do this, you need to present your medical history and other medical information that the doctor may need to recommend to you. 

Once the doctor has confirmed that you are suffering from any qualifying medical conditions, they will have to present the document himself in the Department of Health together with the patient’s filled out forms. The patient is not allowed to present the recommendation to the DOH. 

  • Application of the Medical Marijuana Card 

The second step in obtaining a medical marijuana card is sending an application to the State Department of Health. Once they have received your application, they will have to review it for a couple of days. After a few days, you will get feedback on whether they accepted or denied your application. If the application is accepted, you will be issued a medical marijuana card. 

Learning how to get medical marijuana in Oklahoma offers you a legal way to acquire cannabis. You can do this by providing copies of a state-issued identification card. You also need to present several documents that prove that you are a resident of Oklahoma. Once you are approved and have gotten the medical marijuana card, you can start going to medical marijuana dispensaries to purchase medical cannabis. 

Conclusion 

Getting a medical marijuana card in Oklahoma is as easy as that, and you don’t need to struggle so much. Remember that medical marijuana is legal in many states; you need to follow due process. You don’t need to suffer in silence while you can get medical cannabis to relieve the pain that comes with these dilapidating medical conditions. 

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What is the Best Air Purifier for Cough Symptoms?

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Best Air Purifier
Best Air Purifiers

The rapid industrial growth brought many conveniences to our urban lives. But, along with those comforts, it also brought morbid health issues. The primary and most persistent problem in our modern lives is the problem of air pollution. Air contaminants and allergens are the main reason for our allergy, which causes cough problems in an allergic individual. If you live in an urban environment where you get surrounded by allergens, viruses and other pathogens, the chances are that you may be looking for the best air purifier to get help with your cough. Coughing can severely slow down you and your kids and hinder productivity. We will provide you with some best air purifier models and tips to choose a Daikin air purifier yourself. 

How do Air Purifiers Help with Coughs?

If you are coughing uncontrollably, you must look for the best air purifier because it surely can help you with your cough problem. But the question is how? Air purifiers use a HEPA (High-Efficiency Particulate Absorbing) filter to isolate the contaminants suspended in the air and keep them trapped in the system until you clean and change filters.

What Should You Look for When Buying an Air Purifier?

  • Filters: Filters are the primary organ of any best air purifier. Know which filters are there on your device. Here are some of the generally used filters for you to check:
  1. Pure HEPA filter
  2. Activated Charcoal Filter
  3. UV-C filter
  4. Pre-filter and
  5. Ozone free Ionizer 
  • Warranty period: Most air purifier models come with 1 to 2 years of warranty. Know which parts the company covers in the warranty paper.
  • Easy set-up: Modern air purifier models are mostly touch-controlled and have a simple button layout. Avoid any complications in the set-up, and filter changing process.
  • Room size: Check the rated size for an air purifier to know if it suits your room size.

What is the Number One Air Purifier?

These brands produce one of the top-selling air purifier models available in the Indian market.

  1. Daikin
  2. LG
  3. Eureka Forbes
  4. Panasonic
  5. Phillips
  6. BlueStar

Among them, Daikin is making one of the most affordable air purifiers.

Top Three Best Air Purifier Models are – 

  1. Daikin MC55XVM6 Air Purifier:
  • Streamer Discharge: This Daikin air purifier, besides the HEPA filter, uses the streamer discharge function to quickly remove odours and allergens with high-speed electrons with the oxidizing property.
  • Turbo mode: The Turbo mode in the Daikin air purifier provides a high-power operation to clean the air fast.
  • Deodorising Filter: Some Daikin air purifier models, including the MC55 model, utilize streamers to decompose the foul odours and assist the filter.

 

  1. Eureka Forbes 56-watt AeroGuard mist Air Purifier: 
  • HEPA filter: It uses advanced HEPA technology to remove 99% of suspended particles of 0.3 microns. 
  • UV Lamp: A UV lamp helps reduce volatile organic compounds, parasites and mites in the indoor air.
  • 10X filter technology: It uses the Active 10X filter technology to purify the air in your house and eliminate dust, dander and germs.
  1. Daikin MC40XVM6 Air Purifier:
  • Electrostatic HEPA filter: This Daikin air purifier has a high-performance filter that catches 99.97% of 0.3μm* fine particles.
  • Anti-pollen mode: When you switch between “standard” and “low” modes in this Daikin air purifier, it creates a gentle whirlwind to catch suspended pollen in the air.
  • Deodorising Filter: Odours are caught on this Daikin air purifier using the deodorizing filter. 

Shop from the Bajaj Finserv EMI Store for affordable pricing and enjoy pre-approved offers. Get hold of your Bajaj Finserv EMI Network Card to purchase eureka forbes air purifier on No-cost EMI.

Conclusion:

In times of the global pandemic, your home is the only place where you spend the most time in the day. Although, it is no more a haven for you with a plethora of allergens, pathogens, viruses and other invisible germs floating in the indoor air. The Daikin air purifier uses the streamer discharge method, active plasma Ion and cutting-edge Electrostatic HEPA Filter to protect you against many dangerous disease-causing pathogens and improve the overall air quality. Do not compromise on the health of your family, and buy the best air purifier today. Enjoy a no-cost EMI using the Bajaj Finserv EMI network card for your purchases.

 

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Neurological Symptoms You Shouldn’t Ignore

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In 2017, almost half of the Australian population was prevalent for neurological disorders. This is a worrying piece of information. Neurological disorders can sneak up and they can take a toll on your health without you even noticing it. You may have a headache from time to time and think it’s not a big deal. However, it can be a pretty big deal. Some of these symptoms may seem harmless or irrelevant, but the trust is that they can damage your well-being in many ways. Here are the symptoms that should alert you that it’s time you saw a neurologist. 

Chronic headaches 

We all experience headaches – nothing new about that. However, it’s not the same when you have a headache once in four months and when you have one-two times a week. The latter should be a reason for concern. Especially if the headaches are strong and disruptive, you shouldn’t ignore them. Chronic migraines are also worrisome. 

A good way to determine whether you see a neurologist is by measuring the times you take pain relievers for headaches in a month. If the number goes over five, you should definitely consult a professional. When fever, stiff neck, and light sensitivity accompany a headache, they might point to an underlying issue such as meningitis. 

Frequent dizziness 

While dizziness is usually something benign, it can also become a sign of a serious health problem. If you feel dizzy once in six months due to fatigue, you shouldn’t worry too much – you should get some rest. On the other hand, if you experience bouts of dizziness all of the time, you shouldn’t just wait for the next one to start. 

There are several types of dizziness. For instance, syncope causes light-headedness and makes you feel like you’re going to faint while vertigo makes you feel like you’re spinning or swaying even when you’re standing still. Recognising this as a potential problem could help you treat a neurological disorder on time (if you have one).

Persistent pain 

Another thing that accompanies underlying neurological conditions is persistent pain. If you’ve suffered from constant pain for over six months, you should make an appointment with a neurologist as soon as possible. This is especially important if the pain is followed by sensations such as numbness, weakness, and tingling. You could also experience bladder or bowel control issues. 

All of these could be the symptoms of conditions such as neuropathy, multiple sclerosis, and other diseases. Luckily, you could get a life-changing brain surgery in Brisbane and improve your health and life significantly. You could even prevent a stroke. Sudden numbness affecting only one side of your body could be a sign of stroke. 

Sleep problems

Sleep is an essential part of the life of any functional being. You simply cannot go on with your life properly if you’re experiencing some serious trouble sleeping well. Insomnia and hypersomnia are just two of the sleep-related diseases you might have in this case. You could have narcolepsy, sleep apnea, or restless leg syndrome. 

All of these can make it difficult for you to remain focused and present at the moment. Furthermore, they could make it difficult for you to stay sane. If you’re unable to get a good night sleep for any reason, you should definitely head to a neurologist. Even if the problem isn’t neurological in nature, solving it will improve your life in many ways. 

Memory loss 

Finally, if you have trouble remembering things, you should check your neurological health. Of course, you could forget to switch off the lights sometimes – that isn’t a cause for concern. However, if you’re unable to focus on what people are telling you if you have trouble processing information, and if you can’t recall important pieces of information, you might have an issue. 

Especially if this becomes a constant in your life, you should seek help. Even if you constantly feel confused, you could be experiencing some symptoms of dementia. If that’s true, you could slow down this disease simply because you’ve noticed it on time. Once the treatment begins, you could improve the quality of your life in numerous ways.

Conclusion 

Some of the things we consider ordinary or normal might be signs of serious health conditions. If you experience any of this often, make sure to check your health with a professional. Most health issues can be treated as long as they are noticed on time!

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