Kidney Smart Magazine - (Page 22)
Health insurance coverage is an important part of maintaining your financial health and peace of mind. Luckily, there are many resources and experts available to help you with all things insurance.
good first step when diving into insurance is to understand your current benefits and the different options that may be available. Check out the Pop Quiz! to find out what you should know about your current benefits. Be sure to relay all insurance coverage information to your healthcare provider or social worker so that they can properly review your needs and answer any questions you may have. It is important that you understand your coverage and the impact a change in job may have on it. Stay on top of the most common insurance types and the circumstances that may change your coverage by getting the answers to these important questions.
What if I change jobs?
Found your dream job? Great! Switching to a new job may mean a change-up in your insurance, but no need to worry. Speak to your new employer about insurance benefits they may offer. The Health Insurance Portability and Accountability Act (HIPAA) means you can’t be turned down for insurance because you have a “pre-existing” condition. quick Tip: If you are switching jobs and insurance, be sure to know when your current coverage stops and when your new coverage starts. If there is a gap in coverage, you may be able to work with your former employer, or your new employer, to cover it.
What if I lose my job?
If you lose your insurance coverage because of job loss or reduced hours, you may be able to keep your current coverage through the Consolidated omnibus budget reconciliation Act (CobrA). CobrA is the same health insurance you have through your employer group health plan, but be aware that your premium costs will increase when you elect CobrA. speak with your social worker or insurance counselor to review programs that can assist in paying for these costs and services.
What does insurance cover?
This is a very important question to ask, but one for which, unfortunately, there is no one answer. Insurance coverage and out-of-pocket costs can vary from plan to plan. Contact your current provider — or if you are insured through your employer, the point person for your health provider — to ask for a list of what is covered, such as doctor’s visits, medications and lab tests.
Table of Contents for the Digital Edition of Kidney Smart Magazine
Kidney Smart - Volume 1
Kidney Smart Is the Smart Start
The 411 on Kidney Disease
Your Own Personal A-Team
Managing the Medicine Chest
Food Labels: The Missing Data
Dining on the Go
Keeping You Covered
Kidney Smart Magazine