Is Wal-Mart’s Drug Plan Worth Using?

Stop for a minute and think. What is health insurance? Really. Ideally, it’s protection against the cost of being sick. That’s what we’re paying for. We spend millions of dollars insuring that if we get sick someone else will foot the bill.

Now we are going to talk about a really helpful tool. It is the Medicare Advantage (MA) of Arizona. Its premiums are very low. It offers three types of plans: HMO, PPO and PFFS. One of the best things about this service is that you cannot deny you coverage due to pre-existing conditions. We also must say that Medicare Advantage plans are very popular in this state.

First, if you have a spouse check to see if you can be covered on their plan. If you declined coverage in the past you may still be able to be covered and sometimes without even a waiting period.

While you are busy frequenting the doctors and the hospitals, the medical expenditure needs to be calculated. All the necessary elements will be incorporated by the legal firm- transportation from the accident spot to the hospitals or diagnostic centers, surgical fees if required, and the fees of the doctors. You might need the help of an accounting firm in this step. Before hiring a lawyer, check out his credentials, expertise in dealing with insurance firms and a though medical knowledge of the injuries caused.

This may seem like a lot of legwork, but it’s very important to have a good medical plans because it helps you in the future. Sometimes you can find a agent in your local health clinic and they will be able to find you different medical plans that will be affordable or at least manageable. The problem with these medical plans is that they usually only cover your children and leave out you and your spouse. My husband and me were forced to do this for many years. How I looked at it was at least they had it, and they were at the doctor’s more then we were. But of course I would have had the entire family covered.

Everything is based on how many hours you work. If you work 40 hours one week, have the next week off, then work 40 hours the following week, then, as far as the temporary service concerned, you have been employed for only two weeks or 80 hours. The same is true if you work four weeks at 20 hours a week. You are consider to have been employed for the temporary service only for two weeks.

#2. Raise your deductible to the highest level. I realize that this means paying for your basic children’s health care out of your own pocket, however, think about this for a moment before you scoff at the idea. How many times a year do you actually take your child to the doctor? 1-2 times is about average for most. Most people have some amount of annual deductible anyway so you’d be paying that out of pocket first, right? Even when your policy kicks in most have an 80/20 co-pay, right? Well, this means that you’re going to have to pay something anyway, regardless of what you do. By raising your deductible you’ll substantially lower your monthly premiums and cover yourselves in the event of an emergency. Something to think about when you decide to buy children’s health insurance.

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