Doxcost - The Ultimate Guide To Health Insurance podcast

Doxcost - The Ultimate Guide To Health Insurance

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Nội dung được cung cấp bởi Scott W. Dowling. Tất cả nội dung podcast bao gồm các tập, đồ họa và mô tả podcast đều được Scott W. Dowling hoặc đối tác nền tảng podcast của họ tải lên và cung cấp trực tiếp. Nếu bạn cho rằng ai đó đang sử dụng tác phẩm có bản quyền của bạn mà không có sự cho phép của bạn, bạn có thể làm theo quy trình được nêu ở đây https://vi.player.fm/legal.

The So What from BCG

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Re-Recruiting and Other New HR Strategies You Can’t Ignore 18:09

cách đây 16 ngày trước18:09

Nghe Sau

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18:09

HR is no longer just about managing people—it’s about shaping the future of work. Jens Baier, BCG’s HR transformation expert, discusses how AI and shifting employee expectations are forcing companies to rethink talent strategies. From re-recruiting to upskilling employees, HR must adapt to a rapidly changing landscape. Learn More: Jens Baier: https://on.bcg.com/41ca7Gv BCG on People Strategy: https://on.bcg.com/3QtAjro Decoding Global Talent: https://on.bcg.com/4gUC4IT…

Doxcost - The Ultimate Guide To Health Insurance

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Healthcare is not Health Insurance. Knowing the difference can save you money and frustration. Scott W. Dowling provides 30 years of knowledge and experience to offer individuals, employees and employers the education and information that they need in order to lower the amount of money spent on health insurance while keeping themselves and their families 100% covered. Scott happily answers all of your questions in a straightforward and easy to understand way.

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Doxcost - The Ultimate Guide To Health Insurance

updated cách đây khoảng một năm trước

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Doxcost - The Ultimate Guide To Health Insurance

1
Power To The Patients - Why You Need To See Prices 20:51

cách đây 1 year trước20:51

20:51

#036 Power To The Patients - Why You Need To See Prices explains why Hip Hop artists Fat Joe, Rick Ross, Busta Rhymes, Method Man, French Montana and Chuck D are spot on in the public service announcement demanding price transparency in health care. Watch the PSA here

Doxcost - The Ultimate Guide To Health Insurance

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Is Your HSA Ready For Next Year? 23:48

cách đây 1 year trước23:48

23:48

#034 Is Your HSA Ready For Next Year explains the steps you need to take now to be prepared for January 1st so that your HSA has you 100% covered for the entire year.

Doxcost - The Ultimate Guide To Health Insurance

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Why You Need To Tell Your CEO You Want Fountain Health! 20:55

cách đây 2 years trước20:55

20:55

#035 - Why You Need To Tell Your CEO You Want Fountain Health explains why you need to speak up so that you and your family can be healthy and well with the proactive and preventative benefits from Fountain Health compared to what you only have now.

Doxcost - The Ultimate Guide To Health Insurance

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If You Don't Know Fountain Health You'd Better Hurry Up! 27:48

cách đây 3 years trước27:48

27:48

#033 - If you don't know about Fountain Health, you are missing out on the most revolutionary idea to hit health insurance since 1965 and the advent of Medicare. Scott W. Dowling explains how Fountain Health is better than your traditional plan - saving lives while saving money. Learn what makes Fountain Health different and how it helps your company, your employees and their loved ones.…

Doxcost - The Ultimate Guide To Health Insurance

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So How's Your HSA Look In The Middle Of The Year 18:12

cách đây 3 years trước18:12

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#032 - So How's Your HSA Look In The Middle Of The Year helps you to determine if you are short of dollars needed to cover an accident or sickness right now and the rest of the year, how you can fix that now and whether or not you need a new strategy for 2023. Scott W. Dowling explains the calculation needed to figure out if you are short of HSA funds in the middle of the year. You may need to contribute to your HSA out of your own pocket now, he explains. And, if your employer is contributing based on the number of payroll periods during the year, you may wish to rethink your strategy for 2023 so that you are 100% covered next year and every year thereafter. Maximum Out of Pocket Cost - Current HSA Balance = (Deficit or Surplus) A Surplus means that you have enough in your HSA to cover the Maximum that you have to pay for any and all health insurance claims you are responsible for in your health plan. A Deficit means that you will be short of dollars needed to cover the Maximum Out Of Pocket costs that you are responsible for in your health plan. Further, you'll want to determine how much you will receive from your employer towards your HSA over the remaining pay periods of the year. If the combined total of Deficit + Remaining Employer Contribution is still less than the maximum you can contribute for the year, then you should contribute that amount immediately, using your personal savings, which can be deducted from your tax return next spring. HSA Annual Contribution - (Deficit + Remaining Employer Contribution) = Amount You Should Contribute Now From Personal Funds…

Doxcost - The Ultimate Guide To Health Insurance

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HSA - How To Start Your New Year 17:17

cách đây 3 years trước17:17

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#031 - HSA - How To Start Your New Year illustrates what you need to do at the start of 2022 to be 100% covered and have peace of mind no matter what health insurance claims you may incur during the year.

Doxcost - The Ultimate Guide To Health Insurance

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Why Your High Deductible Health Plan Is Not As High As You Think 20:20

cách đây 4 years trước20:20

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#030 - Why Your High Deductible Health Plan Is Not As High As You Think exposes the misperception that an HDHP is too expensive. Scott W. Dowling provides a real world example - from close to home - that illustrates why there is no advantage to having a traditional low deductible plan and how it ultimately costs you more compared to a High Deductible Health Plan. Focus on Out Of Pocket Maximum - Not Deductible The total amount you may spend on an insurance claim includes the amount you pay for the insurance premium plus the total amount you pay Out Of Pocket. Out of Pocket includes deductibles and coinsurance amounts. The maximum Out Of Pocket cost is expressly stated in the plan description. Make certain to locate the maximum Out Of Pocket amount in the plan description when you are comparing your options. Even plans with $250 or $500 deductibles can have maximum Out Of Pocket amounts over $10,000 and even $15,000 annually. The Goal: Pay the least amount of premium AND the least amount in claims Your goal is to pay the least amount of money while ensuring you are 100% covered. The money you pay for premium is part of the total you need to consider when comparing your options. Lower deductible plans cost more in premium than higher deductible plans. Out Of Pocket costs are capped at a certain amount as stated in the plan design. The maximum Out Of Pocket states the limit that insurance plan will start to cover all of your remaining annual expenses at 100% - meaning you have nothing further to pay for claims during that annual period. Know your Out Of Pocket maximum. A High Deductible Health Plan with a Health Savings Account costs less overall A High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) costs less in annual premium than a traditional PPO or HMO plan. Depending on your tax bracket, a traditional PPO or HMO plan can cost 20% to 30% or more for Out Of Pocket costs compared to an HDHP with an HSA. When you pay your Out Of Pocket costs with your HSA, the money you spend has not been taxed. When you pay your Out Of Pocket costs for a traditional PPO or HMO plan, the money you spend has already been taxed. For example, an individual in the second lowest marginal tax bracket, 22%, will spend 28% MORE on Out Of Pocket expenses. $10,000 paid from your HSA is the same as $12,820 if you have a traditional PPO or HMO. A PPO or HMO costs a lot more money! I prefer Lively HSA (full disclosure, I receive a nominal fee from Lively...at no cost to you) Surprise! Blowing Through Your Out Of Pocket Maximum On One Claim Is Very Easy To Do This example may be relatable for many of you who either participate or are parents of those who participate in competitive athletics. All of the kids in the family have been competitive athletes into college. Our rugby player had an unfortunate accident that required surgery - on his thumb! A broken thumb doesn't sound that bad, but after 3 days of visiting a clinic, getting an x-ray, a second opinion and then surgery including 9 screws and a plate, the total claim came in at over $15,000. And that's at the network discount! We're easily through the annual Out Of Pocket maximum......for a broken thumb!!!! Thanks, as always, for listening to Doxcost. We appreciate you very much! Please tell your family, friends, coworkers, boss, office manager and/or firm administrator about Doxcost. Listen wherever you get your podcasts. www.doxcost.com Hear more music from my pal, Morgan Fingleton, here!…

Doxcost - The Ultimate Guide To Health Insurance

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How To Structure Your Health Savings Account 23:14

cách đây 4 years trước23:14

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#029 - How To Structure Your Health Savings Account gives you a list of ten (10) easy steps to ensure that you are 100% covered by your High Deductible Health Plan and Health Savings Account from the Get-Go! Enroll in a qualified High Deductible Health Plan (aka HDHP) Open a Health Saving Account (aka HSA) - click here to see the HSA I use Identify your Enrollment and Effective Date for your plan year Review ALL of your plan options Check your existing savings Calculate Out Of Pocket Maximum Determine Your HSA Contribution Limit (Single, Family, 55+) Make certain your Out Of Pocket Maximum IS NOT higher than your HSA balance Use payroll deduction for your remaining HSA contributions Plan & Prepare to have enough additional ordinary non-HSA savings to make the necessary lump-sum contribution on January 1st of the following year to top-off your HSA to match your annual deductible An Embedded Deductible is an important plan feature for non-single policyholders (i.e. married couples, single-parent heads of household and families. An embedded deductible limits the deductible for anyone covered person to the individual deductible. If the deductible for a plan is $5,000 for an individual and $10,000 for a married couple, head of household or family, anyone covered person need only meet the individual deductible of $5,000 rather than the $10,000. Should another family member have a claim in the same year, the next person in the family must also meet another $5,000 deductible. I receive nominal compensation from Lively HSA at absolutely no cost to you. Learn more about Lively here Over 55 years old? You can (and should) add an additional $1,000 every year to your HSA which is allowed by the IRS in order to allow you to catch-up as you have fewer years to contribute before reaching Medicare-eligible age. Over 55 years old AND married?? See above AND open a SEPARATE HSA account for your spouse. Your spouse is eligible to add and additional $1,000 every year to your spouse's HSA. The IRS does not allow you to add $2,000 to one account. Consider opening your spouse's account where I have mine, with Lively HSA. Thanks, as always, for your support! I appreciate you very much. Tell your family, friends, co-workers and your boss about Doxcost. Listen on Apple Podcasts or where ever you get your shows.…

Doxcost - The Ultimate Guide To Health Insurance

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What Is A High Deductible Health Plan And How Can It Help Me? 17:26

cách đây 4 years trước17:26

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#028 - What Is A High Deductible Health Plan And How Can It Help Me? explains what kind of health insurance plan you can have so you can open and fund a Health Savings Account. Scott explains the basics so that you can get 100% covered and spend the least amount of money possible. High Deductible Health Plan Requirements In order to open and fund a Health Savings Account, the Internal Revenue Service requires that a the insured be enrolled in an eligible High Deductible Health Plan. The requirements are straight-forward. Learn more in IRS Publication 969 linked here *To be an eligible High Deductible Health Plan, the plan must: Have an Individual Deductible no lower than $1,400 ($2,800 for spouse, dependent, family) Have an annual Individual Out Of Pocket Maximum no higher than $7,000 ($14,000 for spouse, dependent, family Deductible must come first - NO COPAYMENT *Limits apply to 2021 tax year HSA Rules for 2021 Disconnect between HDHP and HSAs - More Education Needed The Journal of the American Medical Association commissioned a study on Health Savings Accounts that concluded few US adults enrolled in High Deductible Health Plans are using HSAs to save for health care. As a result, more education is needed to make HDHPs and HSAs more valuable and effective. See the JAMA study here We're on a mission to get you 100% covered and spend the least amount possible. Please subscribe and tell your family, friends, co-workers, boss, office manager, HR director or firm administrator to listen to Doxcost on Apple Podcasts or wherever you get your shows. Next up, we'll talk about affordability - how to structure your HDHP/HSA to get started. I appreciate you very much! See ya next time..... Clarence Davis, #28 Oakland Raiders - Sea Of Hands - watch here Like the music on Doxcost? Listen to my pal, Morgan Fingleton, here…

Doxcost - The Ultimate Guide To Health Insurance

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Your Employer Is Really Your Health Insurance Company 17:17

cách đây 4 years trước17:17

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#027 - Your employer is really your health insurance company. Two out of every three (67%) Americans who get their health insurance through their employer are in a self-funded insurance plan - which means your employer is paying the claims, not an insurance company. 2020 Kaiser Family Foundation Survey - 2 out of 3 Employers Are Self-Funded Scott considers the unfortunate comments of someone who has met their insurance plan's annual out of pocket maximum in June and wants to load up on perceived "Free" benefits that their plan provides for them over the course of the next 6 months. Scott explains why that perception is backwards and how it harms their employer, coworkers and themself. If you have health insurance through your employer, you are not alone. About half of the United State's population receives health insurance through their employer, which covers 157 million Americans. If your employer has over 1,000 employees, it is nearly a certainty that your employer is your insurance company. If you work for an employer with fewer than 200 employees, you have a 1 in 4 chance that your employer is self-funded. More and more small employers are learning about self-funding......talk to your boss, office manager or firm administrator about getting a self-funded health insurance plan for your company. Why You Get Your Health Insurance Through Your Employer When the employer is self-funded, the employer pays claims on behalf of the employee. The employer relies on an Administrative Services Only (ASO) contract with a Third Party Administrator (TPA), which can be an independent firm or sometimes is a division or department within an insurance company. The employer may purchase Stop Loss insurance, with which the employee is not directly involved. Learn More About Trends In Employer Self-Funded Health Plans here Thanks, as always, for your support! Tell your family, friends, coworkers, boss, office manager and firm administrator to listen and subscribe to Doxcost on Apple Podcasts or wherever you get your shows! Next episode, we'll take a deeper look at the High Deductible Health Plans that make you eligible for a Health Savings Account. Like the music on our show? Be sure to listen to my pal, Morgan Fingleton, here…

Doxcost - The Ultimate Guide To Health Insurance

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HMO PPO EPO WTF IDK NVM Part 2 23:33

cách đây 4 years trước23:33

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#026 - HMO PPO EPO WTF IDK NVM Part 2 looks at how HMO and PPO networks have run their course, what approach employers are now considering and what employees can expect in the near future. Healthcare Is Not Health Insurance The entanglement of healthcare and health insurance has led to rampant medical inflation for decades, much higher than the rate of inflation for the overall US economy. The genesis of the rapid increase in the rate of medical inflation can be linked to the introduction of Medicare in 1967. Can HMOs Stem Tide of Rising Costs? Only a few years after President Johnson signed the law creating Medicare, President Nixon signed a law providing for the growth of Health Maintenance Organizations (HMOs) as a way to slow the pace of rising medical costs. HMOs proved to be financial failures. They either went out of business or changed their business model. PPOs Pick Up Where HMOs Left Off Preferred Provider Organizations offer insured patients choice and flexibility instead of the all or nothing HMO model. PPOs succeed in offering pricing discounts to insurance plans in return for the insurance company steering its insured customers to select hospitals and doctors. Today's PPO and HMO Plans Have Run Their Course PPO and HMO plans no longer provider effective discounts. To the contrary, medical providers have wasted and abused nearly $1 TRILLION ANNUALLY, according to a study by the Journal of the American Medical Association. Learn about JAMA Waste Report here Reference Based Pricing Employers who pay the vast majority of the premiums for over 150 million Americans with health insurance are tired of the antiquated HMO/PPO offer of discounts and are charting a new course. As a result, employers are not relying on so-called networks and are negotiating the price of healthcare services up front. Employers are engaging healthcare providers through Reference Based Pricing. Learn about Reference Based Pricing here The Big Heist Thanks for your continued support. I appreciate each and everyone of you very much! Tell your family, friends, neighbors, coworkers, boss, office manager and firm administrator about Doxcost. Listen on Apple Podcasts or wherever you get your shows. Next up, we'll look at who your health insurance company really is........ Set up your Health Savings Account here....I prefer Lively HSA…

Doxcost - The Ultimate Guide To Health Insurance

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HMO PPO EPO WTF IDK NVM 21:31

cách đây 4 years trước21:31

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#025 - HMO PPO EPO WTF IDK NVM takes a look at the health plan terms you see all of the time, but know nothing about. Scott W. Dowling tells you what you need to know and what you don't. This is the first of two shows discussing so-called networks and how they affect the price of your health insurance. Health Maintenance Organizations are said to have started as prepaid medical care for loggers in the Pacific Northwest dating back to 1900, but the first prominent HMO was started by Henry J. Kaiser the East Bay Area city of Richmond, California during World War II. Kaiser built and staffed a field hospital for his shipbuilding employees. Kaiser was an industrialist and philanthropist with steel, aluminum and other businesses across the United States. He cared for his employees and the communities where they operated by opening fully staffed hospitals that were the original HMOs. Learn more about the first HMO here Preferred Provider Organizations started to pop up in the early 1980s as Health Maintenance Organizations fell out of favor. The more flexible PPO offered similar savings to HMOs while allowing insured patients to see the doctors of their choice. While the BUCA (BlueCrossBlueShield, United Healthcare, Cigna, Aetna) subsidiaries created so-called networks of providers, MultiPlan was and is the largest independent Managed Care Organization involved in the Preferred Provider Organization model's development. Learn more about MultiPlan NYSE:MPLN Long before the Health Insurance Portability and Accountability Act was signed into law by Bill Clinton or the Patient Protection Affordable Care Act was signed into law by Barrack Obama, both Democrats by the way, Republican Richard Nixon made the first move into federally mandated employee benefits with The HMO Act of 1973. This law provided financial assistance for the further development of HMOs across the United States and required employers to offer an HMO alternative to traditional insurance if an eligible HMO operated in their area. Learn more about The HMO Act of 1973 Thanks, as always, for your support. I appreciate you very much! Tell your family, friends, coworkers, boss and firm administrator to listen to Doxcost wherever they get their podcasts. Our next episode will be Part 2 of HMO PPO EPO WTF IDK NVM where we'll discuss what is changing and evolving in the HMO/PPO world and what it means for you, your family and your company's employees. Be sure to listen to my pal, Morgan Fingleton, at doxcost.com/music Sign up for your free Health Savings Account at doxcost.com/lively…

Doxcost - The Ultimate Guide To Health Insurance

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Traditional PPO vs. High Deductible Health Plan With Health Savings Account 24:17

cách đây 4 years trước24:17

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#024- Traditional PPO vs. High Deductible Health Plan With Health Savings Account answers the question posed by an anticipated Dad to be. Is it better to switch from a high deductible health plan (HDHP) with Health Savings Account (HSA) to a traditional PPO plan due to a possible family addition? Listen in to what Scott has to say! Most people do not understand how Health Savings Accounts work, nor how they help you save REAL money. Would you light a match to a dollar bill? Then why are you not using a Health Savings Account? Because lighting a match to your money is what you do when you enroll in a traditional health plan. Learn the rules for Health Savings Accounts Traditional PPO vs. High Deductible Health Plan With Health Savings Account highlights some easy to understand but often misunderstood concepts. Eligible High Deductible Health Plans can have a deductible as low as $1,400 Anyone can contribute to your Health Savings Account - not just you You are not required to use the HSA provider through you employer You are not required to contribute only through payroll deduction You can contribute a lump sum to your HSA at anytime during the year Not all HSA providers allow for funds to be invested or offer limited options Many HSA providers charge you a fee - choose one that is free! Scott prefers Lively HSA - it is FREE, ONLINE with FULL INVESTMENT options To calculate the amount you save on every dollar you spend with a Health Savings Account, divide 1 by 1 minus your tax rate or 1 / (1 - Your Tax Rate) For the 22% bracket the calculation would be 1 / (1 - .22) or 1 / .78 = 1.28 Rather than earning $1.28, paying Uncle Sam tax at 22% of $1.28 or 28 cents and having $1.00 left to pay the doctor or hospital, Using a Health Savings Account, you earn $1.28, pay Uncle Sam 0% tax on $1.28 or NOTHING and have $1.00 left to pay the doctor or hospital and STILL HAVE 28 CENTS IN YOUR POCKET TO SAVE AND INVEST UNTIL WELL AFTER RETIREMENT! Learn your Federal Income Tax Rate here As always, I appreciate you! Tell your family, friends, co-workers, boss and firm administrator to listen to Doxcost! In the next episode, we'll cover all the things you don't know about HMOs, PPOs and EPOs. See ya then!…

Doxcost - The Ultimate Guide To Health Insurance

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Reprise: Why You Save By Getting Your Health Insurance Through Your Employer 18:53

cách đây 4 years trước18:53

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#023 - Reprise: Why You Save By Getting Your Health Insurance Through Your Employer is an encore presentation of one of our most listened to episodes. Learn the advantages and reasons why you win, your employer wins and the insurance company wins when your employer provides health insurance as an employee benefit. History Of Employer Sponsored Health Insurance In Dallas, one of the earliest known employer sponsored health insurance plans was arranged by Baylor Hospital to benefit public school employees at the time of the Great Depression. Baylor had a hospital full of empty beds. To stimulate demand for its services, spread its risk among a large number of people and efficiently sell its product, Baylor offered a monthly pre-paid hospital benefit to the numerous teachers in Dallas. We know that plan as Blue Cross. Similarly, at the turn of the 20th Century, groups of physicians offered their services to the logging and mining communities of Oregon and Washington on a prepaid basis. We know that plan as Blue Shield. Baylor Hospital and the PNW Employers Pay The Majority Of Health Insurance Premiums For Their Employees Whether employees know it or not, when they get their health insurance through their employer, the employer is paying most, if not all, all of the health insurance premium on their behalf. The most recent Kaiser Family Foundation Health Benefits Survey shows that 157,000,000 (one hundred and fifty-seven million) people in the United States get their insurance through their employer. The survey further states that employers pay 80% of the premium for single employees and nearly 60% for employees their families. This fact is why many people are so surprised when they separate from employment and are faced with paying 100% of their premium under COBRA. Kaiser Family Foundation 2020 Employer Health Benefits Survey Make The Most Of Your Deductible Single employees (i.e Employee Only in insurance jargon) only have to worry about one deductible per year. Employees with a spouse, a child or both have to face a deductible twice as high as single employees. This is especially true for High Deductible Health Plans. Their is an easy solution for families to reduce their deductible to the same as a single employee, however. It is called an Embedded Deductible. Embedded deductibles allow families to meet only the individual deductible when a single family member has a claim. If two family members (or more) have claims in the same year, each is subject to the single deductible, until each reaches the single limit or all reach the family limit. *When working with a High Deductible Health Plan and a Health Savings Account, make certain that the deductible is at least $2,800 for an individual - otherwise the IRS will not allow you to deduct your HSA contributions for that year. Embedded Deductible Example Thanks, as always, for listening! I appreciate you very much. Support us by telling your family, friends, co-workers and your boss! Listen to our theme music and lots of other great songs from Morgan Fingleton here Talk to you next Thursday!…

Doxcost - The Ultimate Guide To Health Insurance

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Reprise: Health Insurance Open Enrollment - Make It Simple 16:47

cách đây 4 years trước16:47

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#022 - Reprise of Health Insurance Open Enrollment Make It Simple, Episode 2. Get ready for Open Enrollment now so that you have the fundamentals down….get out ahead….don’t wait until October when stress will be highest and you might make a poor choice. For some employees, this show is quite timely because many employers have renewal dates on July 1st. Ask your employer the date that your health insurance renews so you can be properly prepared! Doxcost Episode 2 Get Health Insurance Plan Documents/Enrollment Kit from your employer to consider your options Identify three key items: Premium Deductible Coinsurance Rate See example of table in Episode Two show notes at Doxcost.com Make certain you tell your employer that you want a plan that is eligible for a Health Savings Account (HSA). Plans that are eligible for HSAs are called High Deductible Health Plans. Don’t fear the high deductible…..it can be as low as $1,400 annually and still qualify for use with an HSA. When considering your lowest cost options, you need to add all of your expenses. Your expenses are all of the cash coming out of your pocket to pay premiums, deductibles, coinsurance AND taxes withheld from your paycheck! Traditional PPO and HMO plans require that you pay tax to Uncle Sam first before you pay your deductible and coinsurance. HSA eligible plans save you the same amount of taxes that traditional plans make you pay. Depending on the plan, that could mean thousands of dollars you can save each and every year. IRS detailed information on Health Savings Accounts Thanks, as always, for your support. Tell your family, friends coworkers about Doxcost. If your employer needs help, I am happy to connect with them. Tell your employer to contact me here (link to Doxcost contact) Next episode I cover the benefits of getting your health insurance through your employer. And if you like the music on Doxcost, hear more from my pal Morgan Fingleton, click here…

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