Life of a Claim
Drug companies may offer introductory programs that let you get free drugs, either by giving it to you, or by covering the cost of your copayment. This may seem very helpful right now, but these programs are causing increased health care costs that you can end up paying for in the long run. Having preferred drugs on formulary allows Unity to provide sustainable, affordable and cost-effective care. Many drugs require you to meet certain criteria before coverage is provided under your prescription benefits. Getting your medications free or with discounts from drug company programs may offer you short term out of pocket savings, but can increase your overall costs.
Quitting smoking is a challenge and Unity is here to help! Our personal wellness portal offers a 12-week program for eligible members. The first two weeks are dedicated to
helping you prepare your personal quit plan. This includes setting your quit date for the third week of the program.
The Women’s Health and Cancer Rights Act of 1998 requires all health plans offering mastectomy coverage to also provide benefits for the following services –
Preventive Health Exams vs. Non-Preventive Exams
Health insurance plans that meet the requirements of the Affordable Care Act (ACA) provide no-cost preventive health care visits called Preventive Health Exams (PHE).
Cost is the first and sometimes only factor many consider when choosing low cost health insurance in Wisconsin. Whether picking an employer-sponsored plan, shopping for a policy on the Health Insurance Marketplace or working directly with and insurance company, people want to get a low cost health insurance insurance plan with no surprises.
However, there are a couple of things to keep in mind. You will be charged more for even low cost health insurance if you smoke, are older, have a lot of people on your policy, or live in a high medical cost area.
Since 2010 when the Affordable Care Act (ACA) became law, there have been many changes in the way people buy health coverage plans in Wisconsin. In general, more people have health coverage.
- In 2014, 8.4 percent of Wisconsinites were uninsured; in 2013, that number was 11.7 percent
- In 2015, 207,349 Wisconsinites enrolled in health coverage plans through healthcare.gov
- In the five years since the ACA became law, 56,965 more Wisconsinites have gained Medicaid or CHIP coverage1
Topics: Health Insurance Costs
According to a recent Princeton / Harvard study, alternative work arrangements have been on the rise since 2005. “Alternative” includes temporary help agency workers, on-call workers, contract workers and independent contractors or freelancers. Almost all of the net employment growth in the U.S. economy from 2005 to 2015 seems to be from alternative work arrangements.
The study proposes that the Affordable Care Act (ACA) could have contributed to the growth of alternative work arrangements.
Thanks to the Affordable Care Act (ACA), it’s easy to get and compare health insurance quotes. All ACA-compliant plans fall into one of five levels – from the lowest premium cost to the highest. These are catastrophic, bronze, silver, gold and platinum. These levels make it easy to compare quotes for similar plans.