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Step Therapy

This is a term with which many of us are not familiar, but which represents a nightmare for us when it is applied to our health insurance claims.  So what does it mean and when is it applied? Step therapy is a protocol used by insurance companies to determine whether...

But We Never Have Any Claims!!!

Do you feel like your company health insurance premiums are much higher than they should be?  You see neighbors and friends run to the doctor all the time, but you and your co-workers never seem to access care.  No doctor visits, no prescriptions, no emergency room...

Snacking Our Way to Better Health

Have you ever weighed your food, measured your portions, counted calories & carbs and still not had success controlling your diet? For decades many of us have followed the low carb, low fat and low sugar regimens with mixed success.  The daily struggle with...

Cash Price or Insurance Discount

Many of us have been offered a discounted cash price for health care services recently instead of filing claims with our insurance carriers.  What is this all about? As insurance carriers negotiate deeper discounts with providers and healthcare offices have to fight...