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Category Archives: Insurance

The Differences Between Medigap and Medicare Advantage Plans

You should know the difference before you choose Given the cost of private insurance, Medicare can be a retiree’s saving grace. We encounter patients who praise their Medicare Advantage plan and others who swear by their Medicare combined with Medigap (also called supplementary plan or supplement). The plans differences are great in helping the customer […]

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What do I need to know about my insurance benefits?

Navigating insurance can be intimidating and exhausting.  With insurance companies taking on hundreds of new clients every day, it might be challenging to get the individualized attention that you need.  At Reflex, we strive to not only treat our patients with professionalism, but also to provide the resources necessary to inform our patient’s decisions in […]

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Medicare as a Secondary Payer – Understanding Health Insurance, Part 6

Knowing when exactly your Medicare coverage is primary or secondary can be tricky.

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Secondary Plans – Understanding Health Insurance, Part 5

Did you know that in addition to your primary health insurance policy, you can also have a secondary or supplemental plan? While a secondary or supplemental plans sound similar to each other, they function very differently. In this week’s blog, we break down the differences between these types of insurance policies, so you can determine […]

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What is an Explanation of Benefits (EOB)? – Understanding Health Insurance, Part 4

The last time you visited the doctor’s office or were treated for a medical issue, you may have received a document in the mail from your insurance company clearly marked, “NOT A BILL.” Although this paperwork can indeed appear as an invoice at first glance, it is actually what your insurance company refers to as […]

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Customer Service – Understanding Health Insurance, Part 3

While most people have a tendency to call the doctor’s office, the most efficient route to immediate answers is to contact your insurance company directly. In reality, your medical office serves as the middleman between the insurance company and its policy members – and (like the patient) is often waiting to hear back from the insurance company regarding claims processing and approvals.

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Preauthorization – Understanding Health Insurance, Part 2

Pre-authorization is an extra step that many insurance companies require from their plan members before they agree to pay for treatments at your regular co-insurance rate. Reasoning behind pre-authorization may vary but, generally, insurance companies require this step for quality assurance and cost control.

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Understanding Health Insurance – Determining Out of Pocket Costs

When it comes to insurance, often the most pressing question is – how much you may be required to pay out of pocket. While the exact figures vary depending on your coverage and your medical needs, a few essential elements will help you understand how much you could personally be responsible for in a year…

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