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urgent WILL be euthanized TODAY! if no one see her as worthy of saving

It's important to understand what kind of health insurance you have. The most common types include:

Exclusive Provider Organization (EPO)
A Health Maintenance Organization (HMO)
Point of Service (POS)
A Preferred Provider Organization (PPO)
An HMO limits coverage to treatment from doctors under contract to the HMO. Out-of-network care is usually not covered except for an emergency. The EPO is very similar.

Users pay less if doctors and hospitals are in the network with a POS plan but referrals are required from the primary care doctor to see a specialist.

A PPO is similar to a POS. User pay less with an in-network provider and can use providers outside the network without a referral but will pay more.

Medicare and Medicaid are government run programs. Medicare's polices operate the same in all states because policies are set at the federal level. Medicaid is for low-income Americans and it operates differently in each state.

There are also different type of catastrophic plans too.

Deductibles, Co-pays, Co-insurance and Out-of Network

Know your deductible, co-insurance and co-pay structure because this directly relates to what you will pay.

Deductibles: Deductibles refer to the amount of money you pay each year before the insurance even kicks in to help pay your medical bills. It may be something like $2,500 for individuals and $5,000 for your family.

Co-pays: This is a flat fee paid to your provider on each visit usually after the deductible is met. It may be something like $25.00.

Co-insurance: The percentage of charges you will owe to your medical provider after the yearly deductible is met and the insurance has started paying on the claims. This is expressed in a percentage. For example: Your insurance will pay 80% of your doctor's bill while you owe 20%.

In-Network vs. Out-of-Network: You might pay more for out-of-network healthcare professionals. This means if you are treated in a facility, group practice or individual healthcare professional who does not hold a contract and or a participating provider with your specific plan, your benefits are reduced or services may not be covered at all.

If you will be having surgery or extensive medical treatment, obtain a list of anyone who could be involved in your treatment from the billing office and check with your provider to see if they are covered. If they are not and cannot be switched with another provider, know in advance what they will charge.

Be aware as well, your plan may have an in-network AND out-of-network deductible, co-pay, and co-insurance. It is the out-of-network bills that typically result in sticker shock to consumers.

Arming yourself with your plan benefits ahead of medical treatment will save you money and frustration. Best practice is to become your own best advocate by initiating expected financial obligation discussions with your healthcare provider.

And remember, health insurance in general is complex. Everything differs from plan to plan and even from year to year.

WILL be euthanized TODAY!

40282044 is a senior female picked up ystdy as a stray. She is a medical euthanasia extremely malnourished and lethargic 😞 Elderly, bad teeth, severely malnourished; low BCS, severe diffuse skin infection with alopecia, suspect febrile, possibly painful, QAR; laterally recumbent. If not significantly improved by 12/2/18 humanely euthanize

Email: to adopt or foster!

STATUS : - read comment for update from crossposter
There's a huge difference between health care and sick care.

Your insurance pays for sick care. That's what happens when you get sick and the doctors do tests, give medicine, or do surgery.

Health care is everything else. It's choosing good foods because good foods support your body. It's choosing massage and bodywork because it keeps you limber and pain free. It's exercise because that moves your body.

Health care is everything that supports life. It's a standard of living that means you can do what you want when you want.

Sick care is profitable, health care is not. Sick care costs you lots of money, health care costs little.

The average person pays about $400 per month on health insurance (about $900 if your company pays it, now you see why you didn't get that raise?). It's estimated by 2020, that cost will be $1,200 to $2,000.

Unfortunately, this means health insurance will be beyond nearly all households. And Medicaid is cutting more treatments, drugs, and procedures every day. Medicare is nearly gone.

So, instead of being sick, be healthy. Choose the $35 per session massage and chiropractic. This could save you pain, lost time at work, and medication costs. Herbal sessions are often cheaper. I've worked with people and their herbs cost them less than $20 per month. Yet, just the co-pays from the prescriptions would have been over $100 per month.

This goes far beyond just feeling good now. If you don't take care now, and wait to get sick, you'll be a high risk patient and client. If we start to move towards a system where we pay for what we need, waiting and expecting the government to take care of us will only result in no care at all.

If you choose to be healthy now, and to use alternatives now, you will delay problems, eliminate lifestyle diseases, and be able to make more choices later on. You will be able to choose your life.

And I use these alternatives myself. I visit the doctor once per year when I need my physical (then again, my doc also told me I'm so healthy they needed to put me off to see the sick people). I use exercise, food, massage, chiropractic, and herbs to keep my health.

At some point, we'll be faced with a choice: Health care or sick care. Choose health now, and avoid sick later.