READ TO THE BOTTOM!
You pay a certain amount each month for health insurance hoping in the end, it will save you money on your health care. In this 11 Listens, one man ended up paying more for a visit to a walk-in clinic than if he didn't use his insurance.
"I mean is this legal? I don’t know," said Jon Luke Hendricks.
Hendricks went to Excel Health in Haskell for his son's ear infection.
"We processed our insurance without any questions," said Hendricks.
He got the bill. $150 dollar for the office visit, plus $50 for a flu test. Because of his in-network discount, he was left with $110 bill. He didn't question it until he heard another patient only paid $75 for their entire visit.
He called the clinic and found out their walk-in fee without insurance was $75, but because he used insurance, he was charged $35 dollars more than that.
"It’s sad that I’m paying a large portion of my check for insurance and yet I have to pay more to process insurance," said Hendricks.
So we called around and found out most urgent cares or walk-in clinics will offer a discount base fee for paying up front. Excel health charges $75. MedExpress charges $119. Central Arkansas Urgent Care charges $110. These prices are often half of what someone with insurance will be billed. Keep in mind if you use the self-pay rate, it won’t go towards your deductible.
"I just feel like people should know you might have a better option. If your deductible is high, you may be better off paying up front,” said Hendricks.
You can read the rest of this article at this CBS affiliate in Arkansas. But before you do, let me interject.
With our Expected Benefits Plan, you can elect to pay cash anywhere and then be reimbursed. For regular doctor visits, Level 2 will pay you $80 every time you go (up to 20 times per year). For a visit to a Walk-in Clinic or Urgent Care facility -- the kind of facility discussed in the above article, the insurance company will pay you $125. Do the math.
If the man in the article had our insurance, but paid cash for his $75 visit, after submitting his bill to the insurance company he would have pocketed $50.00!
More about our Expected Benefits Plan is here.
After Elizabeth Moreno had back surgery in late 2015, her surgeon prescribed an opioid painkiller and a follow-up drug test that seemed routine -- until the lab slapped her with a bill for $17,850.
A Houston lab had tested her urine sample for a constellation of legal and illicit drugs, many of which, Moreno said, she had never heard of, let alone taken.
"I was totally confused. I didn't know how I was going to pay this," said Moreno, 30, who is finishing a degree in education at Texas State University in San Marcos and is pregnant with twins.
Her bill shows that Sunset Labs LLC charged $4,675 to check her urine for a slew of different types of opioids: $2,975 for benzodiazepines, a class of drugs for treating anxiety, and $1,700 more for amphetamines. Tests to detect cocaine, marijuana and phencyclidine, an illegal hallucinogenic drug also known as PCP or angel dust, added $1,275 more.
The lab also billed $850 to test for buprenorphine, a drug used to treat opioid addiction, and tacked on an $850 fee for two tests to verify that nobody had tampered with her urine specimen.
Total bill: $17,850 for lab tests that her insurer, Blue Cross and Blue Shield of Texas, refused to cover, apparently because the lab was not in her insurance network. The insurer sent Moreno an "explanation of benefits" that says it would have valued the work at just $100.92.
By Mark Jones, Kommando.com
The battle against cybercriminals is always evolving. That's because when we catch on to their scams they change them up to find more victims.
Which is why we're always having to come up with more secure ways of protecting our critical information. Can you imagine the damage that could be done if a hacker is able to get access to sensitive data on your smartphone?
Well, there's a new scam dubbed porting going around that would do just that.
What is a porting scam?
The Better Business Bureau (BBB) is warning Americans about a fairly new scam making the rounds. It's known as a porting or port-out scam.
It works like this. A fraudster finds out critical information about you such as your name, phone number, Social Security number, date of birth and more. Much of this information is obtainable on the Dark Web thanks to the massive Equifax data breach that we learned about last year.
Once the criminal has this information they call your mobile phone service provider pretending to be you, and tell them that you're switching to another company but want to keep your phone number. Transferring your number from say Verizon to AT&T is a process called porting.
The porting process takes up to 24 hours to complete. During this time both phones will be functional. Meaning, any text messages that you receive on your phone will also be seen by the scammer on the phone your number is being transferred to.
This opens the door for all kinds of problems. If you have two-factor authentication set up on your bank accounts, or any online sites for that matter, the scammer will be able to get the code needed to log into your account. From there, you could become a victim of identity theft and even have money stolen from your bank accounts.
Now, don't let this turn you against two-factor authentication. It's an important security feature that you should be using whenever possible.
The problem isn't two-factor, it's the criminals trying to rip you off. There are ways to prevent falling victim to these types of scams, keep reading for suggestions.
Continue reading at Kommando.com....
A pursuit of a stolen car ended with the arrest of not only the alleged teenaged thief, but also the car's owner.
Joseph Brummett, 29, reported to police in Manchester that a teenager had stolen his Mercedes at gunpoint in the 900 block of Interstate Drive. A Tennessee Highway Patrolman saw the car shortly thereafter and began a pursuit that soon went into Rutherford County, where it was stopped with spike strips deployed by sheriff's deputies.
Police found the pistol Brummett had described in the Mercedes' floor board and charged the 15-year-old driver with aggravated robbery, robbery, unlawful possession of a weapon, vandalism and evading arrest and booked him into the Rutherford County Juvenile Detention Center.
Read more at Patch.com....
Seattle's leading U.S. Immigration and Customs Enforcement attorney resigned as federal prosecutors leveled allegations that he used immigrants’ identities to open credit cards.
Prosecutors with the Justice Department’s Public Integrity Section claim ICE Chief Counsel Raphael Sanchez used the fraudulently obtained credit accounts to defraud the creditors. The scheme is alleged to have run for four years before it was discovered last fall.
Sanchez is alleged to have stolen the identities of seven people involved in immigration proceedings. Federal prosecutors contend Sanchez stole from American Express, Bank of America, Capital One, Citibank, Discover and JPMorgan Chase.
“Sanchez devised and intended to devise a scheme.... Using the personally identifying information of seven aliens in various stages of immigration proceedings with the United States Immigrant and Customs Enforcement to obtain money and property by means of materially false and fraudulent pretenses,” Assistant U.S. Attorneys Luke Case and Jessica Harvey said in court papers.
In a Tuesday email to SeattlePI, Justice Department spokeswoman Nicole Navas said Sanchez resigned Monday, the day he was charged. He served as chief counsel in the agency's Seattle office.
Read more at Seattlepi.com....
For several years now, Publix has offered antibiotics and select other medications absolutely free of charge at its pharmacies. These include:
But now the regional grocery player has a new offer for pharmacy customers that you’ll want to take note of.
You probably already know that a lot of other retailers have offers of a 30-day supply of select generics for $4 or a 90-day supply for $10. Well, Publix is lowering that price to only $7.50 for a 90-day supply.
That’s just $2.50 for a 30-day supply!
And while the list of generics being offered is smaller at Publix than at a Walmart or Target, if your medication is on the Publix list and the store is located near you, why not take advantage of the savings?
Benefits you expect at prices you can afford. Call us today at 678-654-9500 to apply for our NEW Expected Benefits Group Healthcare Plan for 10 or more employees. This is guaranteed issue coverage. You cannot be turned down.
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