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What is a “narrow network” in health insurance?

Narrow networks are insurance company agreements with medical service providers that seek to lower costs by using fewer providers than traditional networks. Narrow networks are simple and straightforward lists of participating doctors and hospitals for subscribers to a health insurance plan. Customers can quickly see the options for medical services covered by insurance benefits. Comparison […]

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What is a health insurance referral?

Health insurance uses referrals in two distinct ways. One is the ordinary act of recommending a specialist, doctor, hospital, or type of treatment. This idea of referral is the ordinary medical referral. The other way health insurance referral arises is in the sense of a permission or authorization. Some plans require permission to use resources, […]

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What is a buy-up medical plan?

The term “buy-up” might sound like a mystery purchase option carried out by the insurer, but it is describing the action of covered individuals when switching to, or adding coverage to existing medical plans for increased value and usability. This is a process that normally results in a better health insurance experience for the consumer. […]

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What is a Section 125 employer health insurance plan?

Section 125 of Title 26, United States Code created a specific exception to the tax laws that permitted employers and employees to establish flexible benefits programs that include health insurance. The Section 125 cafeteria plan authorized taking pre-tax dollars from the employees gross income for the named purposes in Section 125 that include health insurance. […]

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What is the definition of “minimum value standard”?

Before the Affordable Care Act, insurers were free to offer stripped-down policies that did not provide adequate protection against medical debt. Many insured persons encumbered a large amount of debt due to annual limits and low rates of cost-sharing. To protect policyholders, the Affordable Care Act requires essential health benefits, minimum essential coverage, expense limits, […]

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How do you prove you have health insurance?

Providing the necessary proof that you have maintained minimal essential coverage medical insurance will keep you from paying the penalties. You can look forward to emails or paper documents that come in the mail and read “important tax documents.” Get coverage today by comparing free health insurance quotes above! How can I prove minimum essential […]

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What is the role of a health insurance specialist?

Health insurance specialists are responsible for handling paperwork, records, and additional information germane to your insurer and you. They gather these documents to then compare to claims made by health care providers. Specialists are trained to read coding from physicians to decipher if the claim is payable or if there are errors in which would […]

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Does health insurance cover dermatology?

Dermatology is a mainstream medical specialty. Thousands of people visit a dermatologist every day for common and uncommon skin issues. Like traditional health care, most services a dermatologist offers are covered by insurance. However, medications, procedures, and some conditions won’t be payable by health insurance. The guideline insurance companies use to determine whether they will […]

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Will my health insurance cover a tummy tuck?

In medical terminology, a tummy tuck is called an abdominoplasty.Under most circumstances, a tummy tuck is an elective or cosmetic procedure. The goal of a tummy tuck is to make the abdomen thinner and firmer. To do this, a general surgeon will remove excess skin and fat from the lower and middle abdomen. The goal […]

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What does “policyholder” mean for health insurance?

The policyholder is the legal owner of an insurance policy. The policyholder may or may not be the beneficiary, but he or she has the power to determine the beneficiaries. The policyholder is usually the signatory on the insurance contract with the insurance provider. The importance of the policyholder cannot be overstated. As the contracted […]

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