Claim OwnershipDoxcost - 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.
41 Episodes
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041 - You Have A Health Savings Account! Now What? explains how to get the most from your HSA now and into the future, for both beginners and those who want to be better with money when it comes to savings and healthcare. Scott looks at HSAs in entirely different way from how newly-hired 20-something year olds choose their health plan to who can contribute to your HSA (they are many!) FREE MONEY - there is a lot to be had when your HSA is funded to your advantage. When you deposi...
040 What Is An Association Health Plan And What Can It Do For Me explains what kinds of associations can offer group health plans if Congress can pass along the same exemption from state insurance laws to associations that it already provides to employer, union and federal government groups through ERISA. Association Health Plans eliminate the problem of job-lock for people who wish o change jobs but cannot afford to lose their insurance. Association Health Plans align incentives to rec...
039 - Direct Primary Care - What Is It? What Can It Do For Me? explains a (sort of) new way to receive care from your doctor. As many doctors move away from so-called networks and health systems to open independent private practice, they have structured their new practices to operate under a subscription model for their patients. Patients pay a monthly, quarterly or annual fee and in return have complete access to a doctors services, as needed. The American Academy of Family Physicians ...
038 When It Comes To Health Insurance, Don’t Listen To Your Doctor explains why your health insurance remains valid even though your doctor states that they no longer “take insurance”. Your health insurance contract has absolutely nothing to do with your doctor or the hospital or the pharmacy.....even though they will explain to you that it is the insurance company at fault for all kinds of issues that affect how and when you can receive treatment. Scott explains that the contract that the do...
#037 How You Can Control Your Healthcare Costs explains how your premium costs are a direct reflection of the amounts paid to doctors, hospitals and pharma and what you can do to help yourself lower your costs by comparing. It’s Open Enrollment season. Confused? You can only control what you can control. If you need help, ring me up at scottwdowling@scottwdowling.com Help yourself by checking healthcare prices. Two great spots to look and keep your doctor and hospital honest...
#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 Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]
#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. Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]
#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. Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]
#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. Book a One on One with Scott now! Click the link below! Not sure which health plan fits you ...
#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 con...
#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. Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]
#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 amo...
#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 useIdentify your Enrollment and Effective Date for your plan yearReview ALL of your plan optionsCheck your existing savingsCalculate Out Of Pocket MaximumDete...
#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 P...
#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 loa...
#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 introduct...
#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 ...
#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? ...
#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...
#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 Pla...
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