Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves, not looking to your own interests but each of you to the interests of the others.  - Philippians 2:3-4

The logo for crawford benefits shows a man and a woman standing next to each other

Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves, not looking to your own interests but each of you to the interests of the others.  - Philippians 2:3-4

Mythbusting Health Insurance

November 25, 2024

Separating Fact from Fiction

Navigating health insurance can feel overwhelming, especially with all the myths and misconceptions floating around. Let’s debunk some of the most common myths to help you make informed decisions about your coverage.

 

 

Myth 1: “I’m healthy, so I don’t need health insurance.”
While it’s great to be in good health, accidents and unexpected illnesses can happen to anyone. Health insurance ensures you’re financially protected from costly medical bills, even for routine care like check-ups, vaccinations, and screenings that help you
stay  healthy.

 

 

Myth 2: “All health insurance plans are the same.”
Not true! Plans differ significantly in terms of premiums, deductibles, networks, and coverage. It’s important to compare plans to find one that fits your needs and budget. Choosing the wrong plan could mean higher out-of-pocket costs or limited access to your preferred doctors.

 

 

Myth 3: “I can’t afford health insurance.”
Many people believe health insurance is too expensive, but financial assistance and subsidies are available for qualifying individuals. Additionally, having insurance can save you money in the long run by covering preventive care and reducing out-of-pocket costs for major medical needs. Can you really afford NOT to have it?

 

 

Myth 4: “Health insurance covers everything.”
While health insurance provides critical coverage, not all services are included. For example, cosmetic procedures, alternative therapies, and some prescription drugs might not be covered. Many services (and some medications) will also require prior authorization to be considered a payable claim. Always review your policy details to understand what is and isn’t included.

 

 

Myth 5: “I can only enroll at any time during the year.”
Health insurance typically has a set enrollment period, but there are exceptions. Qualifying life events, such as getting married, having a baby, or losing other coverage, may allow you to enroll during a Special Enrollment Period.

 

 

Take Control of Your Health Insurance Choices
Understanding the facts about health insurance helps you make the best choices for you and your family. Don’t let myths hold you back—take the time to research, ask questions, and find the coverage that works for you.

If you’re feeling unsure about your options, reach out for guidance. The right plan can offer peace of mind and protect your health and finances.

January 13, 2025
As 2025 begins, it’s time to focus on improving health and well-being. Here are some simple yet impactful resolutions to make this year healthier: 1. Prioritize Preventive Care Schedule check-ups, screenings, and vaccinations early to catch potential health concerns before they escalate. 2. Move Daily Stay active with activities you enjoy, like walking, yoga, or dancing. Aim for 30 minutes of moderate exercise most days. 3. Eat Nutrient-Rich Foods Add colorful fruits, vegetables, lean proteins, and whole grains to your diet. Small swaps, like choosing water over sugary drinks, can make a difference. 4. Care for Your Mental Health Dedicate time to reduce stress with meditation, journaling, or time in nature. Seek professional support if needed. 5. Improve Sleep Habits Commit to consistent bedtimes, relaxing routines, and minimizing screens before bed. Aim for 7-9 hours of sleep nightly. 6. Strengthen Connections Nurture relationships with friends and family through meaningful interactions. Social ties boost happiness and health. 7. Set Realistic Goals Break big goals into smaller, achievable steps and celebrate progress. 8. Stay Hydrated Drink at least 8 cups of water daily. Enhance it with a slice of lemon or cucumber for flavor. 9. Limit Screen Time Take breaks, create screen-free zones, and replace digital activities with offline ones. 10. Give Back Volunteering or helping others enhances your sense of purpose and well-being. The Bottom Line Focus on small, sustainable changes for lasting health benefits. Here’s to a happy, healthy, and fulfilling 2025
December 20, 2024
In today’s digital age, managing your health insurance has never been easier—and creating a profile on your health insurance carrier’s portal is the key to unlocking this convenience. Whether you’re new to a plan or have been with the same carrier for years, setting up an online account can save you time, reduce stress, and provide quick access to critical information. Here’s why having a portal profile is a must for every policyholder. 1. 24/7 Access to Your Plan Details Once you create a profile, you can log in anytime to view your plan’s coverage details, including deductibles, copayments, and out-of-pocket maximums. This eliminates the need to sift through paperwork or wait for customer service during business hours. 2. Easily Access ID Cards Misplaced your health insurance ID card? No worries. Most carrier portals allow you to download digital versions of your ID cards instantly. This is especially helpful during doctor visits, pharmacy runs, or when managing a family member’s care. 3. Track Your Claims and Benefits Understanding what’s been paid, what’s pending, and what you owe is essential. With a portal profile, you can monitor your claims in real time and review your Explanation of Benefits (EOB) statements without waiting for mail delivery. This transparency helps you stay on top of your healthcare finances. 4. Find In-Network Providers Looking for a doctor, specialist, or facility within your plan’s network? Carrier portals often feature search tools that allow you to locate in-network providers quickly. Staying in-network ensures you maximize your benefits and minimize out-of-pocket costs. 5. Manage Prescriptions Many portals include tools to review your prescription drug coverage, locate preferred pharmacies, and even refill medications. If your plan uses mail-order pharmacy services, you can manage and track deliveries right from your portal account. 6. Receive Important Notifications Carriers often send critical updates and reminders through their portals, such as policy changes, claims updates, or renewal notices. Creating a profile ensures you don’t miss out on timely information that could affect your coverage or healthcare decisions. 7. Save Time on Customer Support Need to update your address, change coverage details, or check on a claim? Instead of waiting on hold with customer service, you can make many changes and inquiries directly through your portal. This self-service option saves you valuable time and simplifies plan management. 8. Stay Organized Your health insurance portal acts as a central hub for all your healthcare information. From claims history to medical expenses, having everything organized in one place makes it easier to track spending and plan for future healthcare needs. Take Charge of Your Health Insurance Creating a profile in your health insurance carrier portal empowers you to take control of your healthcare experience. With easy access to your plan details, claims, ID cards, and more, you’ll save time, reduce stress, and make the most of your benefits. If you haven’t already, take a moment to register today—your future self will thank you!
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