The Rundown on Reviewing Your Insurance Plan

Read The Rundown on Reviewing Your Insurance Plan

The Rundown on Reviewing Your Insurance Plan
The new year is here – it’s time to get a handle on your insurance plan and understand what’s covered.

“The turn of the new year marks a good time to review your current coverage and available options,” said Sherrie Troutman, benefits manager at KentuckyOne Health. “Participants need to ensure they understand the specifics of their particular health plan.”

Troutman offers a few practices for maximizing your plan in 2017 and helping you select your 2018 coverage:

  • Boost your overall health by staying up to date with recommended immunizations and screenings. “Talk with your doctor or primary care provider about which screenings and immunizations you should get,” Troutman said. “Many recommended screenings and immunizations – like routine childhood immunizations, the flu shot, mammograms and Pap tests for women, and osteoporosis screenings for older adults – are typically covered in full by your insurance company.”
  • Understand the specific in-network and out-of-network coverage benefits of your plan. Using in-network providers leaves you with a smaller out-of-pocket cost.
  • Know your out-of-pocket balance. Look up the details of your plan to find out what your out-of-pocket limit is and what is remaining. You will not maximize your benefits until your deductible, out-of-pocket maximum and other plan requirements are met.
  • Keep track of the number of visits with your doctor you have in 2017 aside form annual wellness checkups and other preventive services. This can help you decide whether a traditional plan or high-deductible plan will better suit your future health care needs.
  • Take charge of your health and well-being by scheduling an annual wellness visit, or checkup, as well as other preventive screenings with your primary care provider each year. “These visits are the cornerstone of preventive care and are covered 100 percent,” Troutman said. “Preventive screenings are crucial for finding health problems before symptoms begin, when most conditions are easiest to treat.”

And, finally, don’t forget to investigate health and wellness programs and incentives offered through your workplace.

“Employee Assistance Plans provide a wealth of information and assistance, such as face-to-face counseling, legal and financial services, and online resources, to help manage stress and work-life balance as well as improve both mental and physical health,” Troutman said.

This article originally appeared in the Winter 2017 edition of One Health Magazine. Want more health and wellness information like this? Subscribe to One Health Magazine to hear from experts on how to take control of your health. 

Breaking Records, Setting Trends

Stroke care

“We have an aging population with high risk for stroke and other significant neurological conditions,” said David M. Blake, MD, neurologist, president of the medical staff and stroke director for Saint Joseph Hospital. “We welcome the opportunity to care for these patients and are excited to improve stroke care for patients and families throughout central Kentucky.”

The neurology team at Saint Joseph Hospital is committed to improving quality of life for patients living with neurological illnesses, such as epilepsy, Parkinson’s Disease and multiple sclerosis. With expert neurosurgeons on-call 24/7, Saint Joseph Hospital is well-equipped to respond to emergencies that involve a damaged brain or spinal cord.

Timing is Everything

Additionally, Saint Joseph Hospital offers prevention and acute treatment of stroke, the fifth highest cause of death in Kentucky, according to the American Stroke Association. Utilizing a clot-busting medication called tissue plasminogen activator (tPA), Saint Joseph Hospital physicians work quickly to restore blood flow to the brain in patients presenting with stroke. The goal of tPA is to dissolve the clot of blood blocking an artery and to re-establish blood flow that delivers glucose and oxygen to brain tissue.

Saint Joseph Hospital exceeds expectations from the American Stroke Association in terms of door-to-treatment times. Utilizing a computed tomography (CT) scanner, the team at Saint Joseph Hospital can quickly determine when tPA is needed and how to respond to situations when it is not.

“Our goal is to administer tPA to ischemic stroke patients within the first hour of arrival to the hospital,” said Kristin Howard, BSN, RN, stroke program coordinator with Saint Joseph Hospital. “The sooner we can treat the core of the problem, the more likely we can restore brain function.”

If you have questions about stroke or other neurological illnesses, connect with the Saint Joseph Hospital neurological team at KentuckyOneHealth.org/sjhstrokecare

Choose Your Door: Convenient Access to High-Quality Health Care

Choose your door

More access points than any other health system.

Whether you’re sick or simply coming in for a well visit, your primary care provider should be your first stop. With primary care offices throughout Louisville, Lexington and Central/Eastern Kentucky, there is likely a KentuckyOne Health primary care office near you.

Anywhere Care

Whether it’s a holiday or after the office is closed, illnesses don’t always keep the most convenient hours. When you can’t see your primary care provider, Anywhere Care is a great alternative. Through secure video chat or phone consultation, you will consult with a board-certified doctor or nurse practitioner who can provide a diagnosis and treatment (including prescriptions, when appropriate).

Emergency Care

During a true medical emergency, finding a qualified medical team close to home can be a lifesaver. KentuckyOne Health operates 15 locations across the Commonwealth that are available 24 hours a day, seven days a week, to treat life-threatening illnesses or injuries.

Express Care

In and around Louisville, Express Care locations partner with Walgreens to provide coordinated and expanded health care services. With high-quality, convenient and affordable treatments just around the corner, you don’t have to wait to see a physician.

Urgent Care

Sprains, strains, infections or stitches — these mild to moderate conditions can be treated on a walk-in basis at KentuckyOne Health’s Urgent Care locations. No appointment necessary, Urgent Care is designed to get you in, out and on with your life.

Workplace Care

Health matters at work, too. KentuckyOne Health supports more than 2,500 local and regional businesses with services that include access to the KentuckyOne Health network of physicians and services, on-site wellness screenings, group health reports and wellness presentations.

To learn more about primary care and other services at KentuckyOne Health, visit ChooseYourDoor.org. For those in Louisville and the surrounding counties, call 888.570.8091. For those in Lexington and Central/Eastern Kentucky, call 888.570.8092.