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No Needle Allergy Tests

Do you have a chronic cough, chronic sinus congestion, chronic sore throat? These may all be indicators of allergies. If you are constantly going to the ER or urgent care center maybe its time to ask why you haven't been tested yet.


Detox Services

Most people cannot just walk away from opioid addiction. They need help to change their thinking, behavior, and environment. Unfortunately, "quitting cold turkey" has a poor success rate - fewer than 25% of patients are able to stay clear for a full year.

PharmacoGenetic Tests

Medications - One size does not fit all. More than 75% of people have genetic variations that determine how their bodies process and use drugs. This applies to prescription medications, over-the-counter medicines, herbal and dietary supplements.



HSA, Alternative Insurances, And Obamacare


Health insurance is complex, and many people may not fully understand their policies.  It's easy to pay for premiums without realizing what will or will not be covered, but this can lead to unpleasant surprises when it comes time to file a claim.  Whether you are currently insured or are shopping for a health insurance plan, it's a good idea to take the time to understand how your insurance works.  This will help you choose a plan that will cover your needs. 

In general, there are three primary types of insurance plans: PPO, POS and HMO plans.  A given insurance company may offer all three types, but you may not have a choice between them if you purchase your insurance through your employer.  Each type of policy has its own pros and cons, and recognizing the differences between them will help you to make the best possible decision for your needs. 

Using a Health Savings Account

Individuals with high-deductible policies can use a health savings account, or HSA, to cover the out-of-pocket costs of healthcare.  The money you  place in an HSA is not taxed, and many employees have HSA deductions taken out of their paychecks automatically.  The funds in your HSA can be used to pay for any qualifying medical expenses, including coinsurance, copays and prescription drugs.  Some over-the-counter medications can also be purchased with money from an HSA. 

To qualify for an HSA, you will need to carry a qualified high-deductible plan.  In most cases, that means that you'll be carrying either a PPO or POS policy as HMO plans tend not to have the same high deductible option.  If you purchase insurance through your employer, you might be given the option between a standard plan and a high-deductible plan with accompanying HSA deposits. 

The funds in your HSA will roll over from  one year to the next if they are not used.  Remember, however, that the amount of money you can deposit each year is limited.  For individuals, you can deposit up to $3,100 per year; families can deposit up to $6,250.

While HSAs are very helpful, not every insured can qualify for one.  You must be under 65 years old and carry an insurance plan with a deductible higher than $1,250 for an individual or $2,500 for a family.  HSAs allow you to purchase affordable insurance while saving up for the higher expenses sometimes associated with these plans. 

The Affordable Care Act

The affordable care act, sometimes referred to as "Obamacare," is not health insurance.  Instead, it is a collection of laws regulating how insurance companies can sell policies.  The purpose of the act is to make coverage more similar between insurers and to stop insurance companies from denying certain applicants.  Under the ACA, patients with preexisting conditions cannot be denied healthcare as they previously had.  The ACA also mandates that certain types of preventative care be 100% covered by all insurance companies. 

One of the more controversial aspects of the ACA is its individual mandate, which requires all people to buy health insurance or pay a tax fine.  The purpose of this is to make insurance more affordable as without the mandate, only sick people would purchase insurance and this would cause prices to rise. 

To make insurance more affordable, the government offers healthcare subsidies to low-income families.  The amount of the subsidy you receive will depend on your household size and income.  You can check what subsidy you might qualify for here: http://kff.org/interactive/subsidy-calculator/

To facilitate purchasing insurance at the best possible rate, the ACA has established state-based health insurance exchanges.  These do not sell insurance directly but instead act as aggregators, similar to travel site Expedia.  These allow you to see which policies are available in your area and how much they will cost.  Bear in mind that the price listed online does not take into account your personal subsidy, so the final monthly cost of insurance may be lower than what you see online.  The most well-known aggregate site is Healthcare.gov, but individual states have their own exchanges that can be visited independently.







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