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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.

PPO (Paid Provider Organization) Insurance

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. 

These are the most common type of insurance plans offered by employers as they are very flexible.  In a Paid Provider Organization, or PPO plan, your insurance company will provide you with a list of doctors and medical facilities within the company's network.  You can receive care at any of these facilities while paying the agreed-upon co-pay.  You will also have a deductible to meet, and most PPOs will cover you 100% after you've met your maximum out-of-pocket expense for the year. 

Unlike an HMO or POS plan, a PPO network is usually very large.  In fact, in some communities, every doctor's office will be equally covered by the PPO.  You can also generally find a doctor that will accept your PPO policy in any town, so traveling with this type of insurance is simple.  In some cases, you may even be able to use your PPO policy overseas for medical care in other countries, which makes this the ideal policy for insureds who travel. 

The most important difference between a PPO and an HMO is that you are able to pursue care from any medical facility you wish.  Even if you choose a doctor outside of your insurance company's network, your care will still be covered, although your copay may be higher.  The price of these policies can vary substantially depending on the deductible and copay amounts you choose. 

-- Freedom to choose any medical provider you want
-- Out-of-pocket maximum caps your annual healthcare costs
-- Often have low premiums

-- You must pay coinsurance, co-pays and deductibles
-- Costs are higher with out-of-network doctors
-- Affordable plans may result in high out-of-pocket costs

PPO plans are common for a reason: They provide the greatest flexibility to their customers at a reasonable price.  If you're receiving insurance through your employer, the odds are good that you're using a PPO plan.  If you're buying as an individual, a PPO can still be a very smart idea, especially if you want the freedom to venture out of your network.  However, bear in mind that PPO plans tend to be the most expensive option for individuals, so you may get a better deal with a different type of insurance.

Copay, Coinsurance, Deductibles

All insurance policies will come with set copays, coinsurance and deductibles.  These figures vary from one company to the next, and these figures will determine the cost of your premiums.  In general, the more you pay out of pocket for care, the less your insurance premiums will cost.  This means that high deductible policies will be cheaper, but medical care itself will cost more out of your pocket.  Balancing these two expenses is the key to finding affordable healthcare. 

A copay is a flat-fee amount that you pay when you seek care at any doctor's office. The amount of your copay will vary depending on the type of care you receive.  For example, the payment for an office visit might be $25, but an emergency room visit might be $100.  The amount of your copay for various services is usually listed on the back of your insurance card. In an HMO, the copay is the only fee you pay.  PPO and POS policies will also require you to pay coinsurance depending on whether your provider is inside or outside of your network. 

Coinsurance is the amount of money you must pay for medical care in addition to your copayment.  It's usually calculated on a percentage of the total bill.  For example, in-network visits might give you a 20% copay while out-of-network visits could be 35%.  In a PPO and POS policy, your coinsurance percentage will be higher for care received at an out-of-network provider.  Once you reach your deductible for the year, you generally will no longer need to pay coinsurance.  At the end of the year, the coinsurance will reset along with your deductible for the new year. 

Policies with high deductibles will cost less than those with lower deductibles.  Your deductible is an annual amount; at the beginning of the next year, it resets and you must resume paying coinsurance until the deductible is met again.  Your deductible is calculated separately from your copays and coinsurance.  A portion of each visit made throughout the year is paid toward the deductible until the deductible figure has been met.  Most insurance companies also offer out-of-pocket maximum figures.  Once that figure is reached, you will no longer pay coinsurance or copays.

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