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THE BEAN:
Kidney Empowerment

The Importance of Health Insurance

8/5/2022

 
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What is insurance?
Health insurance is a contract between a patient and the insurance company that agrees to pay a portion of health and medical expenses in exchange for a premium. This generally covers the cost of routine care, emergency services, specialty care, and the treatment of chronic illness. 

What kind of health insurances are there?
There are a wide variety of insurance policies available in today’s market. Two of the most common are Preferred Provider Organizations (PPO) and Health Maintenance Organizations (HMO). 
  • PPO: allow patients to be seen by providers inside and outside of their network
  • HMO: tend to restrict patients to a limited network of providers
    • HMOs also often require additional steps prior to a patient having an appointment with a provider. These can include referral authorizations and/or prior authorizations for procedures and/or medications. Without proper documentation and information, care can be unnecessarily delayed by weeks. 

Why do we ask?
By asking about insurance, we are able to ensure that our patients are getting efficient and effective care. For example, the following may be affected by inaccurate insurance information:
  • Referral authorizations
  • Prior authorizations for procedures and medications
  • Virtual visits
  • Copay due at the time of service
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How can you be proactive in your care?
  • Call your providers as soon as you have a change in insurance. These updates include, but are not limited to:
    • The company/carrier
    • The policy type
    • Policy, member, or group numbers
    • Copays and coinsurances
    • Insured and/or responsible parties
  • Call your providers and/or insurance company to ensure network status before initiating a change
  • Request referrals from your established Primary Care Physician (PCP) and prior authorizations from the ordering physician before appointments or procedures

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    About The Bean 

    The Bean is a blog on a mission to share valuable information in the world of Nephrology.  We believe in empowering through education and The Bean is a great place to find resources and information on topics related to high blood pressure, kidney disease, dialysis, and topics that enhance the kidney minded lifestyle.    Enjoy and be sure to subscribe!

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13241 Bartram Park Blvd., Suite 1001
Jacksonville, FL  32258
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Tel: (904) 260-9898
​Fax: (904) 260-9891
Interested in joining our team?  Jacksonville Nephrology is dedicated to compassionate patient care through teaching and giving our team the tools needed to go above and beyond.  Learn more about current openings.  Learn More​
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Empowering Through Education.

  • Home
  • Your Team
  • How We Help
    • Kidney Diseases
    • Hypertension
    • Nutrition
    • Remote Patient Monitoring
    • Transplant Managment
    • Community Connections
  • Dialysis
  • Resources
    • Patient Info
    • Education Topics
  • Online Access
    • Connect Health Tracker
    • Healow App
    • Patient Portal
  • Contact Us
  • The Bean