Health | Page-115 | NewJerseyNewsroom.com -- Your State. Your News.

newjerseynewsroom.com

Wednesday
Jan 28th
  • Login
  • Create an account
    Registration
    *
    *
    *
    *
    *
    REGISTER_REQUIRED
  • Search
  • Local Business Deals

Health

A new year means new health insurance deductibles

A new year means new health insurance deductibles
BY IRENE C. CARD AND BETSY CHANDLER
NEWJERSEYNEWSROOM.COM
YOUR HEALTH INSURANCE

The word deductible is one that most of us will encounter relative to our health insurance. As we preach continually in this column, you will be able to maximize your benefits, minimize your out of pocket expenses, and reduce your frustration level if you understand how your insurance works. Simply stated, a deductible is the amount of money you must pay out of your pocket first, before benefits are payable.

Most health insurance policies have a deductible per calendar year. This means January through December. Yesterday we had two clients call telling us that they just met their deductible in December so will "that be good for 2011?" The answer is an emphatic no. January first starts a new deductible year. I had an unfortunate client several years ago get admitted to the hospital on December 31st with a heart attack. It was the first time she used her health insurance that entire year. The $2500 deductible was applied to the hospital bill and the very next day, January 1st, another $2500 was applied to the deductible. That is what is meant by "deductible per calendar year." It starts over again every year.

An important point to keep in mind: just because a charge went towards your deductible does not mean it was not covered. Frequently people will call our office stating that a medical charge was not covered when it was actually applied to the deductible. A charge not being covered is very different from a charge being applied to your deductible. Do not confuse the two issues.

 

N.J. lawmakers want to cut real fat from government

N.J. lawmakers want to cut real fat from government

Announce plan for legislators and aides to lose weight

Eight Democratic and Republican state legislators want to give a whole new meaning to lawmakers and their aides cutting the fat out of government....

Achieve your New Year’s resolutions

Achieve your New Year’s resolutions
BY JENN A. NOCERA
NEWJERSEYNEWSROOM.COM

As 2011 begins, you may be raring to go and ready to dig into your New Year's Resolution. Perhaps, you have resolved to finally lose those extra 20 pounds. Or, ...

Autism study linked to childhood vaccines called a ‘fraud’

Autism study linked to childhood vaccines called a ‘fraud’
BY BOB HOLT
NEWJERSEYNEWSROOM.COM

A study which may have had more impact in New Jersey than most areas has been retracted by a British medical journal.

The report that linked autism to childhood vaccines...

John R. Lundy of Blackwood pleads guilty to $300,000 health insurance scam

John R. Lundy of Blackwood pleads guilty to $300,000 health insurance scam

Facing 5 years in prison

A South Jersey man has pleaded guilty to billing insurance companies for physical therapy treatments he was not licensed to perform.

John R. Lundy, 49, of Blackwood, pleaded gui...

Autistic children benefitting from Apple technology

Autistic children benefitting from Apple technology
BY BOB HOLT
NEWJERSEYNEWSROOM.COM

Many autistic children have problems developing social skills, but often have an easier time with games and technology. Autistic children have been taking to Apple's po...

Core workout tips to combat today’s sedentary lifestyle

Core workout tips to combat today’s sedentary lifestyle
BY JENN A. NOCERA
NEWJERSEYNEWSROOM.COM

Building the "Core" is all the rage these days. Programs that target the Core have sprung up all over.

When I am asked what to do for the Core, my first response ...

New VA clinic in Piscataway will be larger, offer vets more services than New Brunswick facility

New VA clinic in Piscataway will be larger, offer vets more services than New Brunswick facilityU.S. Rep. Frank Pallone, Jr. (D-6th.) Wednesday said the move of the U.S. Veterans Affairs clinic to a new location in Piscataway sometime in 2011 will provide expanded services not currently availabl...

Important reminder for Medicare beneficiaries

Important reminder for Medicare beneficiaries

Open enrollment for prescription drugs and health plans ends Friday

All Medicare beneficiaries who have not reviewed their coverage should do so before Friday, the deadline for selecting their coverage...

Page 115 of 194

Follow/join us

Twitter: njnewsroom Linked In Group: 2483509