Medical Care Every patient should be aware of the policy of Informed Consent, an ethical standard in medicine that implies that you have been given an explanation and fully understand your treatment. You should be able to explain in your own words what your treatment is about. You should know what the likelihood is that […]
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Medical Care Long-term care insurance is meant to cover the cost of nursing home care and long-term home health care. Medicare and private health insurances do not cover these costs. This kind of insurance is not government regulated. You may want to purchase this for yourself. Your children may want to purchase it for you
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Medical Care * Use a file box, 3-ring binder, or one of the many apps available to keep track of your health insurance information and health care expenses. Include up-to-date copies of your medicine log and personal and family medical records. * Add medical bills, explanation of benefits (EOBs), and receipts for payments as you
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Medical Care Health care fraud is stealing: * It steals money from health insurance companies. * It steals money from taxpayer programs, such as Medicare and Medicaid. * It steals money from you. The stealing is done on purpose when someone submits false information to get paid for health care benefits. Health care fraud is
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Medical Care (Make copies of this form. Fill one out every year.) Check off insurances that you have. © American Institute for Preventive Medicine
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Medical Care An accident or illness may make it impossible to work. This may mean a drastic drop in income. Disability insurance benefits replace part of the wages lost. If you’re considering buying a disability insurance policy, ask the following: * What percentage of your pre-tax salary is paid out? (50 to 60% is average.)
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Medical Care * Signing up for the same plan as the one you have is easy, but spending time to find out about all options could be worth it. Ask your employer for written materials for your options or how to access the information online. * Estimate what your costs for the coming year will
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Medical Care Take time to learn about your health care coverage and options for your medical and preventive care. Over-the-counter (OTC) medicines are generally less potent than prescribed ones, but can equal or exceed the dose of a prescribed medicine if you take too much. Follow directions for OTC medicines. Don’t take them regularly unless
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Medical Care Use discounts and coupons for services and supplies that you need.* Examples are: * Membership discounts on prescriptions, over-the-counter (OTC) medicines, eyeglasses, and contact lenses. You can get these if you are a member of wholesale clubs, such as Costco, Sam’s Club, AAA, and AARP. * Advertised specials, such as buy-one-get-one free prescription
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FINANCIAL HEALTH FACT: New drugs are protected by patents. After the patent expires, other companies can make a generic version of the drug. Knowing about generic drugs can save you money on prescriptions. Tell your doctor or pharmacist you want a generic drug if possible. If your prescription is expensive, speak up. Sometimes there’s an
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