FAIR Health Consumer Access
Where to Go for Acute Care
An acute condition is one that starts suddenly and is over pretty quickly. It can be minor, such as the common cold or a mild sunburn, or serious, such as a broken bone or a heart attack. Knowing where to go for different acute conditions can help you get the best care quickly, at the lowest cost.
Managing the Costs of Chronic Care
Unlike acute conditions, a chronic condition lasts a long time—sometimes for life. Examples are diabetes, asthma and heart disease. If you have a chronic condition, it makes sense to ask yourself two questions: What care will you need to stay healthy? And, how much will it cost?
Elective Surgery: How to Hold Down Costs
Some conditions require emergency surgery. Appendicitis, for example, may call for removal of the appendix right away. With other conditions, the choice of whether and when to have surgery is up to you. That gives you time to think about how to hold down costs.
How to Use Health Insurance
So now you’re covered by a health plan. Congratulations! But, maybe you’ve never used health insurance, or you’ve hardly ever used it. Here’s a guide to help you.
How to Save Money on a Deductible
A deductible is how much you have to pay on your own for healthcare before your health plan kicks in and starts paying its share. You may have chosen a plan with a high deductible to save money on the monthly premium. But, you also can save money while you’re paying off your deductible. Here’s how.
Reaching Your Out-of-Pocket Maximum
If you have a health plan, what is your out-of-pocket maximum? That’s the highest amount you’d have to pay for covered health services in a plan year.
What Do You Want from a Health Plan?
Health plans come in many varieties, each with its own pros and cons. To pick the one that’s best for you, you need to know what you want from a health plan. It may help if you ask yourself the following questions.
Federal Open Enrollment Period Gets Shorter
Now is a good time to think about open enrollment for 2018. That’s the period when you can enroll in or make changes to a health plan. Of special note: The federal open enrollment period is now half as long as before.
New Websites Help You Plan Healthcare Costs
Planning healthcare costs can seem complicated. Now, FAIR Health offers two free websites that can help you plan such costs and understand how health insurance works. One is for New Yorkers, the other for people nationwide.
How to Get Health Coverage While Traveling
If you’re planning a summer trip, the last thing you may want to think of is healthcare. But, accidents and illnesses can happen on the road as well as at home. Here are some tips on how to get health coverage while traveling.
Getting Insured outside Open Enrollment Periods
As pleasant as summer can be, it’s usually the wrong season for open enrollment. That’s the designated period of time—usually in the fall—when you can enroll in or make changes to a health insurance plan. But, there are some special circumstances that let you enroll any time.
Health Insurance for College Students
As you prepare to go to college, don’t forget to pack health coverage. Most colleges require students to have health insurance. And, if you don’t have health coverage, and you earn enough to afford it, you may have to pay a tax penalty. There are several ways of getting covered.