Mammograms and women’s health exams: having insurance doesn’t always pay

Capitol Imaging Services shares a news article on the unfortunate situation a medical doctor incurred when becoming a patient herself, and experiencing what many other non-medically trained people have: high hospital imaging fees. This occurred in New York state. However, no matter the location, the principle issue raised in this article and countless others holds true here. Be aware of … Read More

Three components: patient, doctor and insurance provider

Let’s talk about a term that may be unfamiliar to many people but may cause lots and lots of confusion, aggravation and stress: medical necessity. Medical necessity is defined as “accepted health care services and supplies provided by health care entities, appropriate to the evaluation and treatment of a disease, condition, illness or injury and consistent with the applicable standard … Read More

Hospitals tend to be compensated by insurance companies at about twice the rate for private independent companies

The headline is a statement made in an article posted in the Southwest Citizen’s Guide on patient comparison shopping for imaging services. Often, the follow-up question most will ask is “Why?” Common reasons include: Hospitals often negotiate with insurers for higher reimbursement rates on their imaging services. Hospitals claim they need higher reimbursements due to their large overhead and to compensate … Read More

Insurance deductible, coinsurance, and copay: know the differences

Many people are confused about the differences between an insurance deductible, co-pay and coinsurance. In short, all three represent the portion of the medical bill that you are responsible for in case you get sick or injured. Another term used is out-of-pocket expense. However, there are some very unique differences between each one. Deductible An insurance deductible is usually a … Read More

Health insurance company begins shopper program

Blue Cross and Blue Shield of Louisiana is rolling out a shopper program that “allows members to choose, based on quality and cost, the diagnostic imaging facility where their services are rendered.” Beginning July 1, 2017, the AIM Specialty Care Shopper program introduced to their individual Preferred Care PPO and HMO Louisiana, Inc. members for Magnetic Resonance Imaging (MRI) and … Read More

Insurance company takes aim at hospital outpatient imaging tests

Anthem, often called a “Blues giant,” has taken a strike against healthcare services that are provided in a hospital when the same services could be performed in an independent non-hospital outpatient setting and at lower rates. Anthem is not a health insurance carrier in Louisiana. However, it will be interesting to see how other insurance providers, as well as hospitals … Read More

Report cites “out of pocket” health spending is soaring

According to a research report published, U.S. health care spending increased to $3.3 trillion in 2016, with out-of-pocket health care costs borne directly by consumers rising 3.9 percent – the fastest rate of growth since 2007. Published by the non-profit organization, Health Affairs, health expenditures swallowed a greater part of the economy, with health expenditures making up 17.9 percent share … Read More

Health insurance terms explained

Capitol Imaging Services shares a very informative article that “simply” explains terms we hear or come across in regards to our health insurance. Insurance can be confusing and sometimes frustrating thing to understand, and often people throw up their hands in frustration. Use this article to become a bit better informed. Capitol Imaging Services associates are experienced, knowledgeable professionals who … Read More

An insurer tells a patient his MRI costs less at an outpatient imaging center

Ask Rick Harrison of Columbus, Ohio.  In this story, Mr. Harrison needed a MRI of his knee.  His physician referred him to a hospital imaging center.  That evening, after the physician appointment, his insurance provider “called to tell him that there were other sites where magnetic resonance imaging would cost less. The next day, Harrison switched his appointment to a … Read More

Sky high deductibles broke the US health insurance system

The above is a headline on a recent news feature published by Bloomberg, a major publisher in the business and financial market sectors. According to the feature’s authors, 39 percent of large employers offer only high-deductible plans, up from 7 percent in 2009, according to a survey by the National Business Group on Health. Half of all workers now have … Read More

Medicare and Managed Medicare health insurance now cover 3D mammography

Women with Medicare and Managed Medicare plans (i.e. Humana Gold, Choices 65, etc.) can choose the 3D mammography option for their screening without any additional fees. For nearly four years, these plans also cover 3D in addition to the traditional portion of their mammogram. 3D mammography is also known as breast tomosynthesis. There are several additional health insurance plan types … Read More

Four money saving questions to ask every medical service provider

If you want information about saving money DIRECTLY from a person who works in the health care field, this presentation is for you! It really isn’t that difficult. There are a few key words she gives to guide you to where you want to be. Step 1: Find out what type of test you are ordered to have. In this … Read More