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About The Siuslaw news. (Florence, Lane County, Or.) 1960-current | View Entire Issue (Sept. 2, 2017)
SATURDAY, SEPTEMBER 2, 2017 ❚ SIUSLAW NEWS 16’ FIBERGLASS DRIFT BOAT & TRAILER $2,200 541-801-6400 2011 PLEASURE-WAY EXCEL-TS Ford V8 auto, 67K mi., Many extras $65,000 541-999-9072 850 ✦ VEH. & BOAT PROMO 1990 FORD F150 2WD Lariat, not a coast rig. Orig. >76K Mi., paint & Int. Auto, power everything, good tires. $2,500 obo 1-541-580-0668 Lv Ms D L SO 1991 ALASKAN 15FT 15hp elec. start Evinrude, trailer. $1,150 firm 503-507-6552 Florence 1998 SEABREEZE 33’ Sleeps 6, Corian coun- ters, 5.5kw gen., AC, convection microwave, elect. steps & jacks, full queen new mattress, good cond., 40k miles. $13,000 firm 541-997-8976 2011 MUSTANG GT/CS Coupe, less than 27,800 original, one owner miles, like new immaculate always garaged condition. New BF Goodrich G-Force tires, Borla non resonating axle back exhaust sys. $20,500 consider reasonable offers. 541-991-9547 (NAPSA)—Access to quality health care and reliable insurance cover- age is in a constant state of change. Regardless of your health care services and treatments, there are basic terms and concepts that are universal in the health care industry. Below is a guide to help you navigate these terms and effectively use your insurance. Here are four factors to think about when making health care decisions: • Choosing a doctor/hos- pital • Filling prescriptions • Using insurance and pay- ing for care • Reviewing/changing plan benefi ts during open enrollment. These factors may seem simple, but to make in- formed decisions and fi nd quality, affordable care, it’s important to have a ba- sic understanding of your health insurance plan. The fourth annual Trans- america Center for Health Services (TCHS) consumer health care survey found that affordability is the most important aspect of the U.S. health care system to Americans. On average, two in fi ve (41 percent) consum- ers say being able to afford their medical care is at the top of their health care pri- ority list and 56 percent of Americans feel health care costs are a very or some- what signifi cant source of Brought to you by this newspaper in partnership with PUBLIC NOTICES Always in your newspaper: Now in your inbox, too. I f n o b o d y k n o w s w h a t ’ s g o i n g o n , n o b o d y c a n d o a n y t h i n g a b o u t i t . That T Th h at’s at t ’s ’ s w hy y w e ke e ep e p s sa ay a y in ingg y ourr l loc ocal al and sta tate t g ovv e r nm n m en n t sh h ouu ld l d k eep e e p ee p u bl pu b is ishi hing ng g t the heir ir p pub ubb lil i c no notiticess inn t the he n newsppap aper er.. N o w yo you o u ca c a n st t ay a y inf i nf n for o r me or med e d AND AN N D kee e p th h o s e pu p ub b l ic n ot o t ic c es e s i inn th h e n ne e ws w pa p a pe er. r J stt g goo to Ju t o p u ub b li i cn cnot n ot o tic t i ceads d .com/o ds /or, siggn u upp f or r t h he e f fre r e e Sm re m a ar r t tS S e ea a rc r c h se s e rvic rv v ic ce, , ann d g ge e ett a al l l o of f t hi hiss p pa a pe e r r’’ s pu p u bl b l lic i c n not ic ottic i es s d del e iv el i er ered e d t o y yo o u vi ed v i a em m ai a l.l Taking a healthy interest in what’s in your health care plan can help you save time, trouble and money. stress—just behind hous- ing costs, money and the economy. 1. Understanding Your Health Plan and Choosing a Doctor/Hospital Most people seek guid- ance on fi nding a new doc- tor, clinic or hospital when a health concern arises or when moving to a new neighborhood. Step one is to fi gure out what type of health plan you have and what it covers. Here are some types of health plans:1 • Fee for Service • Preferred Provider Orga- nization (PPO) • Health Maintenance Or- ganization (HMO) • High-Deductible Health Plan (HDHP). Fee for Service is the simplest—you can pick any doctor or hospital at any time, but after the deduct- ible is reached, you will have a set cost (usually a per- centage of the charges) for your visit and services.2,3 For example, if your doctor charges $100 for a visit and treatment, your insurer may pay 80 percent ($80) and you’ll pay 20 percent ($20). A Preferred Provider Or- ganization (PPO) plan offers you a list of doctors or hos- pitals that are preferred and may help reduce your costs. It’s best to pick a doctor on the preferred list or “in- network” for your primary care physician. You can visit any doctor or hospital out- side of the preferred list, but you’ll likely pay much more for their services. This is defi ned as “in- network” and “out-of-net- work.” If the doctor, hospital or health care facility you visit is part of your insur- ance company’s network, your bill will be lower, but if you go out of network for a checkup or specialized service, it will be more ex- pensive. A Health Maintenance Organization (HMO) plan is more restrictive and pro- vides a list of doctors, clin- ics or hospitals that are re- quired for your health care services. Similar to a PPO, you must choose a doctor who will be your primary care physician and who can refer you to specialists (also within network) as needed. Generally, these plans will not pay for out-of-network service unless it is an emer- gency and only in specifi c situations. A High-Deductible Health Plan (HDHP) is grow- ing in popularity among employer-based health coverage. These plans work like fee-for-service plans, but cover a smaller percent- age of costs up front. After insurance processing, you’ll be responsible for the bal- ance of medical charges up until the annual deductible is met (can be thousands of dollars). Once your deduct- ible is reached, your insurer pays out most (or all) of your medical costs for the rest of the year. Most plans list the doc- tors and hospitals that they cover online—but you can also call and fi nd out which doctors or hospitals in your area are part of your plan. Usually, doctors are con- nected to one or more hos- pitals. If there is a particular doctor or hospital you pre- fer, you can call the clinic or hospital to check which insurance plans they accept. 2. Filling Your Prescription Medications health plans help cover the cost of prescription medications and are listed in a formulary. As with doctors and hospi- tals, you can check if your medications are covered by the formulary before choos- ing a plan. If you need medication that’s not on your plan’s for- mulary, you should contact your insurance company to fi nd out if you can still re- ceive the drug or a generic version and at what cost. Some insurance companies may provide a one-time re- fi ll of your medication after you fi rst enroll.4 Ask your in- surance company if it offers a one-time refi ll until you can discuss taking alterna- tive medications with your doctor. If you are unable to obtain a one-time refi ll, you have the right to ex- plore your health insurance company’s drug exceptions process, which allows you to receive a prescribed drug that’s not covered by your health plan. In most cases, to gain approval through the exceptions process, your doctor must confi rm (orally or in writing) that the drug is appropriate for your med- ical condition and it meets other criteria set by your insurance company. 3. Putting Your Insurance to Work and Paying for Care First, you need to calcu- late your monthly premium and out-of-pocket expens- es. Your premium is the amount you pay for insur- ance every month and your out-of-pocket is the amount you have to pay when you go to see the doctor. Typi- cally the higher the premi- um, the lower out-of-pocket costs you have to pay and vice versa. If you have regular, on- going medical care or pre- scription medications, you may want to consider a higher premium/lower out- of-pocket cost plan to limit your costs for those regular treatments that can add up—the cheapest premium will not necessarily save you money. Your plan should provide a summary of ben- efi ts and how much you pay for different types of care. 4. Reviewing/Chang- ing Plan Benefi ts During Open Enrollment Lastly, regardless of your health plan (via employer, an exchange, a broker, the government or another channel), you should take time to review your ben- efi ts and make changes or switch your health plan dur- ing open enrollment, which typically takes place in the fall. Americans comparison shop for homes, cars and other important purchases, so shopping for insurance plans shouldn’t be different. The more you understand your health plan and insur- ance coverage, the more empowered you’ll be to make smart decisions for yourself and your family. For more information on the Transamerica Cen- ter for Health Studies, visit www.transamericacenter- forhealthstudies.org. The Transamerica Cen- ter for Health Studies® is a division of the Transamerica Institute®, a nonprofi t, pri- vate foundation. The Trans- america Center for Health Studies (TCHS) is focused on empowering consumers and employers so that they can achieve the best value and protection from their health coverage, as well as the best outcomes in their personal health and wellness. Al- though care has been taken in preparing this material and presenting it accurately, TCHS disclaims any express or implied warranty as to the accuracy of any material contained herein and any li- ability with respect to it. 1MedlinePlus. (3 Sep- tember 2016). Understand- ing Health Insurance Plans. Retrieved from: https://med- lineplus.gov/ency/patientin- structions/000879.htm 2U.S. Bureau of Labor Sta- tistics. (October 2010). Fee- for-Service Plans. Program Perspectives, 2(5). Retrieved from: https://www.bls.gov/ opub/btn/archive/program- perspectives-on-fee-for-ser- vice-plans.pdf 3OPM.gov. (n.d). Plan Types. Retrieved from: https:// www.opm.gov/healthcare- insurance/healthcare/plan- information/plan-types/ 4HealthCareForYouNow. 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Come into our office, Enter your name, phone number and describe where you found the graphic or bring in a clipping to attach to your entry into the drawing for a gift certificate. 7B 541-991-3405 Good Luck AUDREY LERMAN found the Children’s Eye Health & Safety Month graphic on page 6B (On the sun cartoon – one of the Rays). She won a gift certificate to Big Dog Donuts & Deli. Gift Certificates must be picked up within 2 weeks of winning Deadline for today’s paper: Monday by 3:00 PM Wednesday’s Graphic
