My Health Care Transformation Handbook
The Handbook

Purchase My Health Care Transformation Handbook Today!

Hello my Health Care Transformation Tribe!

Exciting news! My Health Care Transformation Handbook is officially available for purchase!!!

My Health Care Transformation Handbook

Do you want to understand how to navigate the healthcare system like a pro? Are you looking to achieve your best health at the lowest price? Do you wish you had the knowledge of a healthcare expert right at your fingertips of what to do and where to go and what to ask?

Then My Health Care Transformation Handbook may be exactly what you need!

I’ve been passionately working in healthcare improvement for almost ten years now and it’s become very clear to me that:

A) Health care is WAY too confusing! Even many folks who work in health care are confused by the beast that is health care!

B) Health care systems can be messy and unfortunately sometimes things fall through the cracks and patients may not always receive the best possible care.

C) Because no one is taking ownership over educating people on what to do and where to go, many people actually don’t make the best decisions for their health or their wallet!

So I decided to change all that with My Health Care Transformation Handbook. This first edition handbook is your ticket to having healthcare expertise at your fingertips! Now you don’t have to worry that you don’t know what you’re doing or that you might be getting taken advantage of or that you might be making a bad decision. I’ve helped hundreds of people navigate the health insurance and provider system and now I’ve written my expertise down within My Health Care Transformation Handbook to guide and support you along your healthcare journey!

My Health Care Transformation Handbook has six sections to support you:

  1. My Prevention– to support your health and happiness. It even includes the recommended guidelines for preventive screenings and vaccinations based on age and gender.
  2. My Health Care Status– to manage and document your current health state, provider care team information, medications, urgent issues, etc.
  3. My Clinical Encounters– to manage your clinic visits, emergent issues, hospitalizations, surgeries, and more. It even includes key questions to ask your doctor!
  4. My Advance Care Planning– to support you or loved ones in decision-making around your goals of care in an unforeseen event.
  5. My Health Insurance and Billing– to educate you on how to understand and select your insurance. It even includes tools to support you in budgeting and estimating healthcare costs.
  6. Extras– including my key recommendations on how to reduce your healthcare costs!

I wrote this book just for you for when you’re ready to delve in and learn what you need to know about managing your health and taking control of navigating this crazy, confusing healthcare system. This is for people who want peace of mind and confidence. Who want to care for themselves and their loved ones.

Here are a few of the results you can expect from My Health Care Transformation Handbook: 

  • Clarity on how best to navigate the healthcare system in order to achieve your best health at the lowest price
  • Confidence to ask the right questions and get the care you deserve
  • Freedom from the fear that may be holding you back from really engaging with the healthcare system
  • Support and expertise to guide you along your healthcare journey
  • Tools and resources to move your health in the right direction towards a long and healthful life for you and your family
  • Comfort in knowing you have my healthcare expertise to support you as well as a community of like-minded individuals who also want to live a happy, healthy life

Who My Health Care Transformation Handbook Is For: 

  • You select your health insurance by picking the cheapest health plan available.
  • You don’t know the difference between a copayment and coinsurance. Or is there one?
  • You have never heard of the USPSTF and you have zero clue which cancer screenings you should get and when.
  • You think a “Patient Portal” might have been how they provided health care in a Star Wars movie…
  • You have walked into an Emergency Room to receive medical care (BTW if you can walk and talk, it’s most likely not an emergency…unless you have chest pain, loss of breath, etc. but read the book!)
  • You’ve never heard of Advance Care Planning.
  • You would have NO idea what to expect and what to do if you were hospitalized.
  • You know you need to learn about health care and you want to learn about health care so you can better protect yourself and your loved ones.
  • You love big pretty books.

Who My Health Care Transformation Handbook is NOT For:

  • You hate books.
  • You already know everything there is to know about health care.
  • You get excited about risking your health and who cares how much money you waste on health insurance!
  • You are ok with waiting until you get sick and feel crappy and are actually seeing doctors to start caring about all this healthcare junk.

If you are ready to feel knowledgeable, confident, and empowered, purchase My Health Care Transformation Handbook today for $49.95 + shipping. The first shipment of books is limited so be sure to order yours soon! There is no better time than today to take control of your health and start utilizing my healthcare expertise. Especially with open enrollment season right around the corner!

Have any additional questions about My Handbook?? Be sure to contact me today with any questions! 

I’m so happy and excited to support you on your healthcare journey and, as always, Cheers to Health and Happiness!

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Health Insurance

It’s Time for Taxes!

Hi All,

Now I know you must be so pumped about tax season so I thought I would provide you with some basics about the health insurance side of things so you don’t feel too overwhelmed!

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Here are the details on the three different types of tax forms (and you can click the link for more info):

1095-A: comes from the INSURANCE MARKETPLACE, otherwise known as the online health insurance exchanges. If you purchased your insurance on the exchange, then make sure you wait for this form before you file your taxes.

1095-B: comes from your INSURANCE COMPANY to prove you had the necessary health insurance coverage for the year.

1095-C: comes from your EMPLOYER if you worked full-time for a large applicable employer last year.

If you are going to be receiving a 1095-B or 1095-C it’s ok to move forward with filing your taxes, even if you haven’t received them yet.

For more details, feel free to play around on the IRS website and Happy Taxes!!

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The Academy

The Academy has launched!

Hello, my Health Care Transformation tribe! 

Today I have the most exciting news- The Academy has officially launched! “Open Enrollment” for The Academy begins today and to celebrate we have special sales on all courses for the rest of the week! Be sure to head to The Academy today to check out the deals!

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With the launch of The Academy, I have six courses to offer you and your loved ones.

Perhaps you have kids who are heading off to the real world and you want to make sure they are fully safe and prepared to make the right healthcare decisions. Perhaps you have parents who are aging and you want to be sure they are getting what they need at the lowest price. Or maybe you yourself are feeling frustrated and confused with your own interactions with the health care system and are looking for some key tips! 

Choose the holistic course that is tailored to you to give you the most bang for your buck:

Health Care For the Young Adults: The Basics You Need to Know

Health Care For the Adults: The Basics You Need to Know

Health Care For the Wise Elders: The Basics You Need to Know

Or, if you are interested in only one specific topic, the following courses can be purchased individually on the subject matter that is most useful to you:

The History and Current State of U.S. Health Care 101

Health Insurance 101

Navigating the U.S. Health Care System 101

Now is the time to take control of your health outcomes and reduce the price you pay to get there. My goal is that the lessons and tools within The Academy will give you the confidence you need to navigate the U.S. health care system with ease.

I’m so excited to more fully support you on your healthcare journey and, as always, Cheers to Health and Happiness! 

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Health Insurance

Intro to the U.S. Risk Pools

Hello Everyone! And Happy Holidays!!

As a final send-off before we head into 2018, I’m going to spend today giving a brief overview of the large risk pools or insurance options that we have here in the U.S. If you haven’t already checked out my prior video explaining risk pools and how they work- be sure that you do!

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So to recap: the three major ways to get health insurance in the U.S. is through:

Medicare– insurance run by the federal government for all individuals over age 65, those with disabilities, and those with two specific diseases: End Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease).

Medicaid– insurance run by the government for eligible low-income adults, children, pregnant women, elderly adults and people with disabilities. Medicaid is administered by the state governments according to federal requirements.

Private Insurance: insurance run by private companies.

We can get private insurance in a few different ways:

  1. Through your employer
  2. Through the health insurance marketplaces, or exchanges (healthcare.gov)
  3. By staying on your parent’s insurance until age 26

As you can see that leaves us with a hodgepodge of insurance options which inevitably means some people fall through the cracks and don’t have health insurance in any given year.

The current estimate of uninsured individuals in the U.S. is around 30,000,000 people.

Thankfully that is much lower than in prior years because after the health insurance exchanges were built, this allowed people who own their own businesses, work freelance, or aren’t offered insurance through their employer to be able to be a part of a risk pool and purchase health insurance.

That’s all for this week, folks!

If you still haven’t purchased health insurance for 2018 be sure to check your open enrollment dates and purchase insurance.

And keep your eyes peeled in the new year because The Health Care Transformation Academy will be launching in January! I’m incredibly excited to be offering very concrete easy-to-understand lessons through The Academy that will really give you the confidence and peace of mind to understand and navigate the U.S. health care system.

Wishing you and yours the happiest of holidays and I’m so excited for all that 2018 will bring! xoxo

Cheers to Health and Happiness!

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Health Insurance

Intro to Types of Health Insurance Plans

Hey Guys,

Today I’m going to teach you about the basic types of health insurance plans available on the market and their key differences. So even when you are thinking about the key health insurance equation (remember this??) you should also be thinking about which health insurance plan structure works best for you.

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Let’s start with the basics…

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So let’s review these key types of health insurance plans I mentioned plus a few additional types:

HMO (Health Maintenance Organization):

  • Requires you to designate a Primary Care Provider (PCP) and that PCP must refer you to see specialists. Without a referral, the insurance company will not cover any of the medical services you received and you will have to pay for it all out-of-pocket. (Note- women can typically go see their Ob-Gyn without a PCP referral and the services will be covered but confirm with your insurance in the Summary of Coverage and Benefits).  Recall from the “Who is your PCP” blog post that even if you aren’t in an HMO product that requires you to designate and see a PCP, you should do this anyway for your own health outcomes and care coordination.
  • A narrow network of doctors that you can see. If you go outside the network you will have to pay out-of-pocket for the medical services you received. Note that this concept actually extends beyond just the doctors too so be really careful when you receive any medical services. This can also include anything from ambulances and hospitals to home health providers and durable medical equipment providers (things like wheelchairs, oxygen equipment, breast pumps, etc.)
  • Less expensive. The cost-sharing component is typically much lower in an HMO but be careful because if you end up going out-of-network by accident your costs could be exponentially larger. There is oftentimes no deductible and low premiums.

PPO (Preferred Provider Organization):

  • Allows you to see any specialists without a PCP referral.
  • Tiers of networks- if you see a doctor who is in-network the insurance company will pay a higher percentage of the costs than by seeing a doctor who is out-of-network. The network of doctors in a PPO is typically larger than an HMO.
  • More expensive. Because this is broadening your network and allowing you to choose which providers you want to see without a recommendation of medical necessity from a doctor (PCP) you will have to pay more for these benefits. This typically includes a deductible, higher premiums, and higher cost-sharing for going out-of-network.

POS (Point of Service):

  • Requires you to designate a Primary Care Provider (PCP) but you typically don’t need a referral from the PCP to see specialists.
  • Tiers of networks- if you see a doctor who is in-network the insurance company will pay a higher percentage of the costs than by seeing a doctor who is out-of-network. If you see an out-of-network doctor you typically need to file the claim yourself.
  • More expensive. Because this is broadening your network and allowing you to choose which providers you want to see without a recommendation of medical necessity from a doctor (PCP) you will have to pay more for these benefits.

EPO (Exclusive Provider Organization):

  • Allows you to see any specialists without a PCP referral.
  • A narrow network of doctors that you can see. If you go outside the network you will have to pay out-of-pocket for the medical services you received.
  • Mid-tier expensive since you can see any in-network doctors without a PCP referral.

CDHP (Consumer Driven Health Plan), also called HDHP (High Deductible Health Plan):

  • The layout of networks and PCP selection etc. will vary plan to plan.
  • Incredibly high deductible of at least $1,300 for an individual or $2,600 for a family and typically lower premiums.
  • Whether this is expensive or not for you and your family will depend on how many medical services you use and the structure of the plan.
  • Many come with an HSA- Health Savings Account– that allows you or your employer to put pre-tax money into the HSA and use the funds tax-free for qualifying medical expenses.

Here is a summary of each of these types of plans so you can easily compare:

Health Insurance Types

Check out my blog next week where I will discuss CDHP’s in more detail. The CDHP is becoming more popular among employers as they are trying to balance both offering their employees health insurance while also reducing their spending on health care so I want to make sure we discuss in more detail.

See you next week and in the meantime…

Cheers to Health and Happiness!

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Ps- This week on social media I will be posting the definitions of key terms we have been reviewing throughout the blog. Be sure to check it out and test yourself to see if you remember the definitions!