Aspirus Health Insurance

A blog article that reviews the health insurance plans from aspirus with pros and cons

What is a Health Insurance?

Health insurance is a system of insurance that helps pay for medical expenses. The health insurance system can help people cover costs not covered by public or private health insurance. Health insurance can also protect people from unexpected medical expenses.

Payments & Tips

A number of lovely people sent me tips about how to save money on health care costs. I thought I’d summarize a few of the most useful tips below: For example, if you have to see a specialist, try to find one who is in your insurance network.Sometimes, the provider will agree to treat you for a lower cost if you get the treatment from a network provider. If you’re having surgery, ask your surgeon what their participation in the surgical care network entails. Many surgeons offer significant discounts to patients who use their services through the surgery care network. Another way to save on health care costs is to shop around for providers. Try to compare prices and features of different hospitals and clinics before making a decision. You may be surprised at how much cheaper it can be to go outof network. If you’re hypertensive, talk to your doctor about getting a hypertension medication from a discounted pharmacy. You may be able to save up to 50 percent on the cost of this medication. Finally, be aware of escalating health care costs and discuss options with your doctor before hitting up your bank account for extra savings. Health care costs are easily one of the biggest expenses you will

Types of Plans

There are a variety of types of health insurance plans available to you as an employee of Aspirus. Below is a brief overview of each type of plan and what it offers. HMO (Health Maintenance Organization) Plans: HMO plans are the most common type of insurance plans available. With a HMO, all the doctors and hospitals you see are included in the plan, and you only have to use those providers that are part of the plan. However, with a HMO plan, you may have to follow a set of rules about your health care treatment. For example, you may have to see a doctor or nurse practitioner who is in the HMO plan’s network, and you may have to meet specific health care guidelines such as needing doctor’s appointments only during special hours. PPO (Preferred Provider Organization) Plans: PPO plans are similar to HMO plans, but with one exception: PPOs allow you to see any doctor or hospital that is in the plan’s network. You don’t have to follow any specific rules about your health care treatment, although some PPO plans do have restrictions on which medications and procedures they will cover. EPO

Scroll down to the definition and overview of all plans from top to bottom

Aetna: Aetna’s all-inclusive health plan has a $5,000 deductible, $5,000 out-of-pocket max per year and provides coverage for preventive care, hospital stays and doctor visits. You can also add additional insurance policies through Aetna to complement your all-inclusive policy. Blue Cross Blue Shield of Michigan: The Blue Cross and Blue Shield of Michigan plans come in three levels of coverage. The Bronze plan has a $2,500 deductible and no out-of-pocket max. The Silver plan has a $6,250 deductible and an out-of-pocket max of $10,000 per year. The Gold plan has a $12,500 deductible and an out-of-pocket max of $25,000 per year. National General Insurance: National General Insurance’s all-inclusive health plan has a $2,500 deductible and no out-of-pocket max. Benefit options include prescription drug coverage, hospitalization coverage and doctor visits. Additional policies can be added to this basic health plan for an extra cost. CNA: CNA offers four levels of health insurance plans with different deductibles and out