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Benefit History for ERIC VALENZUELA View Payments Total Due Due Amount $62.66 Anthem Vision Plan Coverage Status COBRA Participant Coverage Tier Employee Only - Single Covered Members ERIC Current Due Date 07/18/2024 Current Amount Due $15.74 Next Due Date 08/01/2024 Next Amount Due $6.42 Paid Through Date 07/17/2024 Dates Detail Delta Dental Plan Coverage Status COBRA Participant Coverage Tier Employee Only - Single Covered Members ERIC Current Due Date 07/18/2024 Current Amount Due $46.92 Next Due Date 08/01/2024 Next Amount Due $19.14 Paid Through Date 07/17/2024 Dates Detail Payments Dates for Delta Dental Plan - ERIC Event Description Date Last Day of Plan Coverage (Due to COBRA) 07/17/2024 Termination of Employment 07/17/2024 COBRA started 07/18/2024 Notified of Qualifying Event 07/29/2024 Send COBRA Election Form 07/30/2024 COBRA accepted 09/14/2024 Approve myRSC COBRA Election 09/16/2024 Send Coupon Book 09/18/2024 Last Day To Accept COBRA 09/28/2024 COBRA Expires 01/17/2026 I am confused about the billing is it weekly and if I sign up on 9/14/2024 which is late in the year when do i have a second chance to make changes, i put down dental and vision but now am feel like I don't want vision even thou i sign up, based on top what's my premium to date, i was confused on how much i had to pay so i sent 26.00 payment, will that lower Due Amount or they require full payment, asking cause there close on Friday
I have tried signing up on this site but get hung up on the shipping page and can not move forward. Tried emailing the company but only receive email stating to keep prices low they can not respond and to look at FAQ page. Do you know any solutions?
Only use the coupon if it makes sense, remember opting out billing your insurance means the price you pay from good RX doesn't go towards your deductible. Example if it's 200 dollars through your insurance that payment will go towards your deductible. So just make sure it makes sense and it's beneficial when using any coupon or discount. Keep in mind when opting out billing your insurance that means your insurance is not aware of any new medications added to your treatment plan. Though pharmacies have sophisticated software to catch any drug interactions also billing the insurance is another way of catching any errors, quality issues, drug interactions, duplicate therapy and so on. Your doctor, pharmacy and insurance collaborate with each other, good RX is not part of your health care team. They simply gather all your data for an exchange of a discount and who knows what they do with it after that.
Great example and excellent point. One additional thing to consider. Since this video was published, several of the PBMs have developed partnership with GoodRx where the member automatically gets the lower of the GoodRx price or the PBM price. In that case, the cost will count towards the deductible.
Wondering if your plan meets Medicare Part D Creditable Coverage standards? It's essential to ensure your prescription drug coverage is compliant to avoid penalties down the road. Let's dive into the details and find out if your plan makes the grade!
I'm 65, currently working and now eligible for Medicare, Currently I have HMO through Kaiser for me and my family. If my company downsize, I can go to Medicare, but can I avail Cobra only for my family that includes my wife and 21 year old son but not me? 2nd question is If my company does not offer CObra for my family only, I have to take Cobra, but to avoid penalties do I Still need to take Medicare, since Cobra is not considered a valid Insurance coverage for Medicare purpose? What will be other options for my family other than Cobra, will it be cheaper?
Your family can elect COBRA (without you) as they are considered qualified beneficiaries. A common example is when a dependent child ages off the plan when they turn 26 and wish to continue with COBRA. For Medicare, if you retire and take COBRA but not Medicare, you may be subject to enrollment penalties. If you continue to work for an employer that offers health insurance, you will have a special enrollment period to get Medicare penalty free.
Check out out our first video which goes over how to set up the Sword. Happy to answer any additional questions. Sword Health | Unboxing and Demo ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-0jwDt-LnXBU.html
Yes- you can stay on Cobra for generally up to 18 months. If you stay on Cobra, just make sure you don’t miss open enrollment at your new employer, if they offer health insurance.
Hi John, really cool video - I´m researching the Sword Product Catalog. Nt sure if you still have access to the app, but did you ever give the Academy feature a go? if yes, what stood out? if no, why not?
Hi Chris- thanks for checking out the video. I don’t haven’t access to the app anymore but do remember that the app had articles and videos on supporting back health. They also had a series on golf mobility exercises which I felt was a good bonus.
My cobra option came and it allows me to select the parts I’d like to keep. Medical plan is pricey, but dental and vision isn’t too bad. Might just take it to avoid the hassle of having to switch everything.
Not sure if I need to rewatch but I’m looking to hear how to screen a therapist prior to committing. It’s a toll to start only to discover it’s not a good fit.
From Raquel DeLuccia: To make sure they do the modality you want and are trauma informed, read their bio- but also it’s about the energy often times- which some won’t know until they have an intake appt .
Ugh that’s stinks. Send Eli Lily an email and see if they can offer any additional financial assistance. They will want to know what your deductible is but they may be able to help outside of their standard program.
Thanks for the video, I have Metlife accident insurance and I just injured my shoulder and will probably need about $1000 of physical therapy and I wanted to see if the accident insurance will actually reimburse me for my injury
Your info and the way you explained it was so refreshing! You helped me connect the dots and answered all of my remaining questions. I immediately subscribed to your channel after watching g your video. Thank you!
Under insurance plan I had last year, I didn’t have to pay anything for my monthly medication. The price said $800. This year my insurance plan changed and new insurance doesn’t cover my medication. So, the pharmacy used hippo and charged me $80. So, why would insurance cover $800 price? I’m sure they know this medication is available for $80. What am I missing?
A lot this has to deal with a concept called “spread pricing” The PBM makes revenue off of claims “spread”, which is the difference between the price the PBM pays the pharmacy and the price it charges the client. Let’s give an example, let’s say the deal between the PBM and the pharmacy for generic medication is $40. In that example, the PBM pays the pharmacy $40 but may charge the plan or the employee $50, making a $10 profit or spread on the medication. Because of this, there are arbitrage opportunities through GoodRx and others that have the costs significantly lower than through insurance. When it comes to pharmacy pricing, many times cash is the best rate, particularly for generics.
@@FriendswithyourBenefits 90% arbitrage opportunity??! And insurance cos are ok with it? There is absolutely no way to lower prices through insurance??
Exciting initiative! Integrating psychedelic-assisted therapy could revolutionize mental health treatment. Looking forward to seeing the impact of The Sage Collective's work.
I'm excited to see Enthea bringing ketamine therapy into the spotlight! It's amazing to think about the potential this treatment has to transform mental health care for so many people. Looking forward to learning more about how it works and why it's becoming so popular.
Thank you for this. First time with a prescription and it is all so crazy price wise and the fact that when I find a deal it changes for the following month... so frustrating and such a waste of time for my doctor to have to help over and over with transfers. Need to figure this out.
I wish transferring prescriptions was easier but you are either at the mercy of the pharmacy you are looking to change from or need to get your doctor to write a new script.
What cobra? Iost my insurance when my company downsized me. My insurance coverage ended on March 31st. They never sent me my mnotice to right to Cobra coverage. I just reported them to the Department of Labor. I am disgusted
So sorry to hear. Per HHS “An employer that is subject to COBRA requirements is required to notify its group health plan administrator within 30 days after an employee’s employment is terminated, or employment hours are reduced. Within 14 days of that notification, the plan administrator is required to notify the individual of his or her COBRA rights. If the employer also is the plan administrator and issues COBRA notices directly, the employer has the entire 44-day period in which to issue a COBRA election notice.”
An FSA (Flexible Spending Account) and an HSA (Health Savings Account) are both types of savings accounts designed to help individuals save for medical expenses, but they have different features and requirements. For additional details on an FSA vs. an HSA, check out our video below FSA vs HSA | which one is better for you? #hsa ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-FwvOv0uE_JA.html
I’m so excited to get mine. Did you find it useful? Did you stick with it? I’m using it for knee pain. Who can afford physical therapy? Uggg fingers crossed it works! Ty for your video:)
Unfortunately that is correct. To be HSA eligible, your health plan needs to have at least a $1,600 single deductible or $3,200 family deductible. You may however be eligible for a flexible spending account through your employer. This can be used for any eligible medical, pharmacy, dental or vision expenses.
