Frequently asked Questions

Q: What's Utilization Management?

Utilization Management is the process of reviewing the appropriateness and the quality of care provided to patients. UM may occur before (pre-certification), during (concurrent) or after (retrospective) medical services are rendered. For example, your health plan may require you to seek prior authorization from your utilization management company before admitting to a hospital for non- emergency care reduce unnecessary hospitalizations, treatment and costs. This would be an example of pre-certification. Your medical care provider and a medical professional at the UM company will discuss what is the best course of treatment for you before care is delivered. UM can reduce unnecessary hospitalizations, treatment and costs.

Q: What is a Deductible?

A deductible is the amount of money you or your dependents must pay toward a health claim before your organization's health plan makes any payments for health care services rendered. For example, a plan participant with a $100 deductible would be required to pay the first $100, in total, of any claims during a plan year.

Q: What is Coinsurance?

Coinsurance is a provision in your health plan that describes the percentage of a medical bill that you must pay and that which the health plan must pay.

Q: What is Out-Of-Pocket Maximum?

The maximum amount (deductible and coinsurance) that an insured will have to pay for covered expenses under a plan. Once the out of pocket maximum is reached the plan will cover eligible expenses at 100%.

Q: What is an Explanation of Benefits (EOB)?

An EOB is a description your insurance carrier sends to you explaining the health care benefits that you received and the services for which your health care provider has requested payment.

Q: What is a Pre-Existing Condition?

A pre-existing condition is a physical or mental condition that existed prior to being covered on a health benefit plan. Some insurance policies and health plans exclude coverage for pre-existing conditions. For example, your health plan may not pay for treatment related to a pre-existing condition for one year. You should check with your insurance carrier to learn how your organization's health plan treats pre-existing conditions.

Q: What is a Preferred Provider Organization (PPO)?

A PPO is a group of hospitals and physicians that contract on a fee-for-service basis with insurance companies to provide comprehensive medical service. If you have a PPO, your out-of-pocket costs may be lower in a PPO than in a non-PPO plan.

Q: What is an Archer Medical Savings Account?

The Archer MSA program enables certain persons (self-employed individuals and employees of small employers) with high-deductible health plans to contribute on a tax-free basis to medical expense reimbursement accounts. For details on this type of account, try this IRS link: http://www.irs.gov/pub/irs-pdf/p969.pdf

Q: Where can I go if I have COBRA Questions?

http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html

Q: Where can I go if I have HIPPA Questions?

Click here for HIPPA FAQs

Q: IRS HSA Guidance?

HSA Frequently Asked Questions

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