How Much Do You Pay For Therapy?




Affordability is among the biggest barriers to getting mental health treatment: the Affordable Care Act and other regulatory amendments aimed to expand the availability of mental and behavioral health services. Still, a lot of people are concerned about how much therapy costs. The price of therapy is indeed a real issue. Still, it is frequently potential for individuals to get free or very affordable therapy, particularly if they reside in large urban regions or nearby teaching universities.

General Pricing For Therapy

Therapy typically ranges between $65 and $250 hourly or more. In many regions of the country, an individual can anticipate paying around $100 to $200 per therapy session. Some elements that may impact the cost of therapy include:

  • Place Of Therapy. A therapist practicing in large urbanized areas with an expensive cost of living typically charges more.
  • Therapist’s Training. A competently trained and highly experienced therapist usually charge more.
  • Insurance Coverage. Individuals with insurance that covers therapy are inclined to charge less.
  • Therapist’s Standing. Reputable therapists who are sought-after usually charge more.
  • Specialization. Therapy is more costly when the therapist is highly proficient in his field or manages a challenging illness.
  • Duration Of The Therapy Session. The more time spent by the therapist on the sessions, the more the patient pays.


Paying For Therapy

For a lot of people, insurance provides the best choices for paying for therapy. Try to contact your insurance company to inquire about mental health coverage and get hold of a list of therapists or mental health providers. If your insurance does not cover therapy, you might be qualified for insurance through your Medicaid state program. Some employee benefits and employee programs also propose funding for therapy. In addition, some therapy practitioners offer services via a sliding scale technique. Try asking about this preference when you get to interview some therapists. Some of them might also have payment plans that enable you to pay for services over time.

Several universities provide free therapy programs to individuals who want to rain as therapists. You can try reaching out to schools nearby to inquire about the availability of affordable therapy. Telehealth services, which provide online counseling or therapy or through phone, can be cheaper as well. Numerous therapy practices also hire amateur therapists who require more clinical experience. These beginners or interns may provide affordable or free mental health care.

Cost For Therapy With Insurance

With the Affordable Care Act, insurance plans should include mental health care. Plus, plans should not enforce various guidelines on mental health patients or pay for mental health care at very affordable prices. This implies that individuals who are insured are typically covered for therapy. In many instances, they should select a therapist within their grid. They might also need to meet other standards, like getting an endorsement for treatment, meeting deductibles, or getting a mental health diagnosis. Thus, even those with insurance may prefer to pay for their therapy from their own pockets.

Getting Free Therapy

Several facilities are trying to improve access to mental health care services, including mental health services, by providing lowered or free treatment. Some other choices for obtaining free therapy in your state include:

  • Getting into studies for mental health disorders. If you have a particular diagnosis, your local school could be investigating your diagnosis. You can usually obtain free service, including therapy and medications, by enrolling in a specific study.
  • Reaching out to your state’s community or public health department. Many provide community mental health facilities or endorsements to affordable or free services.
  • Finding therapy services at school. As a student, you could be qualified for free services at your college. If you are not studying but live near a college that offers mental health care programs, students who are part of that program can provide free treatment for you to meet their course requirements.



Therapy prices have a tremendously wide scope. Therapists claim that some facilities charge as low as $5 per hour while others, $300 per hour. It actually depends on the therapist, your place, circumstance, and the usual price for therapy in your area. There are many things to take into account aside from the price that they want to address.

Other therapists choose not to purchase insurance to keep them from being responsible for providing a diagnosis and tackling the difficulties of working around insurance companies. Consequently, it might be worth your time to inquire about a possible therapist to help you with a rate you can pay without getting insurance.

Finally, a lot of therapists usually work on a sliding scale method. However, they do not often promote that. A sliding scale is a type of payment scheme that is dependent on your income. You can ask your prospective therapist if they utilize this. If they don’t, then ask them if they would consider working on one with you.



Does Your Insurance Cover Therapy?




If you are among the millions of residents in the United States who are thinking about getting therapy, health insurance coverage is definitely an issue. If you have existing insurance, your policy may offer some degree of coverage.

To address the demand for and the relevance of sustaining optimal mental health, numerous insurance companies provide some coverage for healthcare services. However, there are huge differences between the out-of-pocket fees you need to pay and health insurance companies’ benefits.

Marketplace insurance plans are required to include:

  • Behavioral and mental health inpatient services
  • Behavioral health management like counseling and psychotherapy
  • Parity protections
  • Coverage for underlying conditions
  • No annual or lifetime dollar restrictions on mental health insurance coverage


A state-operated Medicaid coverage is expected to cover essential health benefits, including substance use and mental health services. Medicaid insurance plans differ for each state, although they should also meet the standards of the MHPAE.


Original Medicare includes inpatient substance use and behavioral health services. If you are admitted, you might get a deductible for every benefit period and coinsurance fees. On the other hand, outpatient mental health services, which include a yearly depression screening, are included under Part B. You may acquire out-of-pocket fees for therapy services, including coinsurance, Part B deductible, and copays.

For Medicare Advantage or Part C plans, therapy services are automatically covered at the same degree or more than Original Medicare. Your fees may differ from those related to original Medicare.

Children’s Health Insurance Program

The CHIP offers states federal funding so that they will be able to offer affordable health insurance for low-earning residents with kids who are not qualified for Medicaid. CHIP inclusions also differ from state to state. However, most offer a range of mental health services, including therapy, counseling, social work services, medication management, peer support, and substance use disorder therapy.



How To Know If Your Insurance Includes Therapy

  • Contact Your Insurance Company. If you want more information, use the insurance company’s toll-free number located at the back of your card. You can inquire about the kinds of therapy services they offer or if you may incur out-of-pocket charges. Also, if you have availed of a diagnostic code, this may help you acquire precise information.
  • Inquire Through The HR Department. If you are insured through your job and require additional assistance, you can try reaching out to the Human Resource office of your insurance company – that’s if you are comfortable talking to someone from HR.
  • Ask Your Therapist If He Accepts Your Insurance. Therapists, counselors, and other mental health providers frequently alter the insurance plans they are willing to recognize and might have backed out of your particular coverage.
  • Register And Log On Virtually To Your Insurance Online Account. Your health coverage plan’s webpage must include information regarding your plan and the fees you are expected to pay. Since insurers provide a range of plans, ensure that you are logged on and familiarizing yourself with your own insurance plan.

If you need to select a therapist in your own network, you can check out the list of available providers online. You may also call and ask for a list through mail or phone.

Types Of Treatments Usually Covered

Several mental health services that insurance can cover may include:

  • Talking therapy, which includes cognitive behavioral therapy and psychotherapy.
  • Psychiatric emergency services
  • Co-occurring behavioral and medical health illnesses, like depression and coexisting addiction. This is often known as dual diagnosis.
  • Online therapy or telemedicine
  • Limitless outpatient sessions with a clinical social worker, clinical psychologist, or psychiatrist. In some situations, the insurance company may limit the number of consults you can have yearly unless the insurance company provides a written statement that these consults are medically crucial for your care.
  • Addiction therapy
  • Medical detox, including medications
  • Inpatient behavioral health assistance acquired in rehab or hospital setting. Your plan might restrict the length of your hospital admission or restrict the amount they will give for your care for every benefit period.

Remember that insurance companies include therapies that are only considered medically required.

The scope of coverage for certain treatments, like the length of hospital or rehab stays, also differs from plan to plan. This also goes the same for the cost of your medications and your coverage itself, both as an outpatient and inpatient.




Numerous health insurance plans include some degree of therapeutic assistance. The amount of coverage, as mentioned above, differs from plan to plan, and in a lot of situations, you are given a deductible to pay before covering your services. Coinsurance and copays can also be implemented.

Health insurers usually cover services like group therapy, emergency mental healthcare, and therapy consults. Rehab services catered for addiction are also covered.

Therapy can indeed be costly, with or without insurance coverage. There are affordable choices that can help, like therapists who receive psychotherapeutic collectives and sliding scale payments that provide steeply decreased sessions.

If you think you need therapy but don’t have enough money to sustain it, reach out to your doctor or another mental health provider that you can trust, like a guidance counselor or a member of the clergy. There are several means that the monetary obstacles between you and the healthcare you need can be taken out.



Negative Habits You Might Develop Due To Depression (Health Information Counseling)

Are you constantly feeling blue? Do you often find yourself thinking about negative things? Do you always see yourself drowning from the negative emotions you know you shouldn’t have? Are you dealing with bad habits that you somehow can’t understand? Have you noticed yourself behaving differently?

Perhaps what you are going through is already a result of something far more than just an uncomfortable feeling. Maybe your thoughts, feelings, and behaviors tell you that you might have a mental illness. Let me walk you through the sudden changes you might be experiencing due to depression.


Mood Swings And Outburst

Who doesn’t know that mood swings and emotional outbursts are part of depressive symptoms? Even those other people who try and stay positive understand that their unregulated mood is a sign of mental health problems. When you are depressed, it can be extremely hard to control your feelings, and the more you try to maintain positive energy, the more things make you feel upset, irritated, and angry. And sometimes, even the little things that you are used to becoming a big deal suddenly.

But you need to take note that some individuals can be emotionally empty and numb. Meaning, there are instances that they do not show emotions even if they are severely depressed. Don’t get fooled because even if they do not go on a rampage, they do not get angry; it does not mean they are not dealing with a mental health problem.

Irregular Sleeping Habits

Most of the time, you know that there is something wrong when you have trouble sleeping. Though it might not be a cause of mental illness all the time, the prominent symptom of depression is a significant disturbance in your sleeping patterns. Depression grows along with overthinking. And the fact that your brain won’t stop thinking about random things, you surely are suffering from a great deal of insomnia due to stress and anxiety.

But to be fair, some individuals dealing with depression may sometimes do the opposite, which is to oversleep. It is usually identified as atypical depression, and those people who experience this can go off the radar. Atypical depression can be difficult to diagnose, and it points to a greater risk of getting dismissed and mislabeled as being lethargic.


Cries For Help Silently

It is often that when you are depressed, you avoid telling others about your struggle. Perhaps you are scared of what they are going to say. You might be afraid because you think most people will judge you and not understand your situation. Thus, you make a muted cry for help. As much as you want to seek out and find someone who would listen to you, you prefer to work your emotional and mental problems all by yourself. You find it impossible to ask someone to be there for you because you think you can make it alone.

Honestly, it is a sad process of coping with mental illness. Unfortunately, most individuals struggle mentally and emotionally in silence because of their shame about their situation. But it is not entirely because they do not want to seek help, but because they find it difficult to do. There is the fear of being seen as a burden. There is the thought of getting misunderstood and invalidated.

Constant Search For Meaning Of Life

Depression can influence a lot of emotions, and sometimes, these are unfairly unhelpful to your well-being. You might deal with a constant search for the meaning of everything in your life. You might always wonder about your purpose. Depression can make you feel like you are unworthy and irrelevant. It can influence you to drag yourself into the pit as it continues to make you feel sorry for yourself for not accomplishing anything. It can stop you from chasing success and lock you in a dark and empty world of isolation.

For some individuals, their constant search for the meaning of life has to do with their abilities. Depressed people are more vulnerable to inadequate feelings. That is the reason why they often end up not doing anything to make things better. They get trapped with a lot of what-ifs which hinders them from moving forward. It is as if they want concrete answers to their questions, even if there is genuinely nothing beneficial to it.


Final Thoughts

Struggling with depression can vary from one person to another. But these are specific traits and habits that you form when you are dealing with mental illness. With that, please always pay attention to changes that are happening to your emotional and mental aspects so that you can immediately seek out help. Try giving yourself a little extra time to escape from the overall exhaustion and look forward to your overall betterment.


Health Insurance And Mental Health Services

Are you deciding which insurance plan to choose? Do you know how much it is going to cost you with your treatment?


What Is Health Insurance?

Health insurance is an arrangement between a policyholder and an insurance company. It aims to provide financial assistance for you to afford the costs of any medical concerns. In addition, health insurance improves access in the healthcare system to allow you and other people to seek and pay for healthcare services.

Type Of Insurance

  • Government-Sponsored Health Insurance – Medicaid and Medicare are obtained through a program that caters to a specific group of people such as active service members, children, veterans, the elderly, and low-income people.
  • Group Health Insurance – It is a commercial insurance plan supporting employer-based insurance that offers discounted coverage for mostly healthy working individuals.
  • Individual Health Insurance – It is also a commercial type of insurance covering a single person or family needs. The premium coverage of the healthcare is paid entirely by the purchaser.

The process of acquiring insurance usually starts in three basic processes. The first one is you have to pay for your medical bills, and then the insurance will pay you back after. The second is when both you and your insurance company pay some amount to cover the medical bills. The third is when the insurance pays everything.



Premium insurance can be compared to a membership. You pay a specific amount of money monthly to be a member, and that’s your premium. With that exact amount, you get to acquire preventive care benefits for free, particularly vaccines and free screenings.


If you haven’t noticed it yet, you usually pay most of your healthcare at the beginning of the year until each of your deductibles. A deductible is the amount of money you need to pay to the insurance company before they could share with you the costs of your financial contributions. It is like filling up a bucket. You usually pay a copayment only for covered services, and the insurance company pays the rest.


Out-Of-Pocket Maximum

Paying for the insurance has its benefits. If you reach a certain amount, you will never have to pay for any healthcare services anymore. Note that the insurance company keeps records of your contributions, but the out-of-pocket limit doesn’t include your premiums in the bucket.

Once you finally reach your limit, the insurance company will pay everything from there for the rest of the year.


Frequently Asked Questions About SSRI Drug Antidepressant

Perhaps you already know that dealing with mental health issues also has a lot of challenges. That is because you know that some things are not that easy to accomplish. Like for example, though you already put too much effort into self-care, there are instances that your mental health condition is more than a single battle. That even if you focused on staying positive, working on your physical health, and trying to pay attention to your emotions, your psychological problems require more than self-reliance. Therefore, that is where therapy and medication come in.


Mental Health And Antidepressants

In line with mental health intervention and aside from therapy sessions, experts often suggest patients take antidepressants. But what are those exactly? Let us try and discuss important information about antidepressants from these frequently asked questions. From there, let us understand their benefits in keeping your mental health stable.

Is an SSRI an antidepressant? 

Selective serotonin reuptake inhibitors are drugs commonly prescribed types of antidepressants. Medical experts mainly prescribe these drugs to treat anxiety and depression because they improve how brain paths use Serotonin. And sometimes, with severe or persistent mental health concerns, these medications are often partnered with a talking therapy such as cognitive-behavioral therapy (CBT).

But note that some of these antidepressants may or may not take effect. It is vital not to rely on them, especially for longer use. Still, it would be a great solution to focus on self-care and self-awareness regarding overall health recovery.

 What is the best SSRI antidepressant? 

A lot of people agree that the most recognizable and prominent SSRI antidepressant is Prozac. It was approved in 1987 by the Food and Drug Administration (FDA) and has been joined by various other antidepressant medications afterward, including Paxil, Celexa, Lexapro, and Zoloft.

Be mindful that even though these are the common ones that most therapists prescribe, you still need to find the best antidepressants that suit your mental health condition needs. Always ask your doctor for more information about the types of drugs they recommend to avoid further complications.

 How effective are SSRI antidepressants?

Selective serotonin reuptake inhibitors o commonly known as SSRIs, are the most prescribed antidepressants that experts trust. It proves to show a significant amount of benefits in addressing mental health concerns such as anxiety and depression. However, though these medications can lower the risk of possible relapses and are relatively safe, and typically cause fewer side effects, it is essential to understand that these can’t completely prevent mental health from occurring.


 What drugs are antidepressants? 

Antidepressant drugs include Serotonin and norepinephrine reuptake inhibitors (SNRIs), Selective serotonin reuptake inhibitors (SSRIs), Monoamine oxidase inhibitors MAOIs, Tricyclic antidepressants, and Atypical antidepressants. But among the list, the selective serotonin reuptake inhibitors (SSRIs) are the most recognizable antidepressants that people usually take when they want to prevent severe symptoms of anxiety and depression. Some of these marketed drugs are most commonly known as Zoloft, Lexapro, Luvox, Paxil, Celexa, and Prozac.

 Which antidepressant is best for anxiety? 

The antidepressant that is best for anxiety is selective serotonin reuptake inhibitors or SSRIs. These are drugs known as Zoloft, Lexapro, Paxil, Prozac, and Celexa. Most therapist and medical experts recommend SSRIs because it shows potential in treating panic disorder, social anxiety disorder, obsessive-compulsive disorder (OCD), generalized anxiety disorder (GAD), and post-traumatic stress disorder. These specific medications normally cause fewer unwanted side effects and are less likely to cause problems with emotional, physical, and mental aspects. These drugs stay at higher therapeutic doses compared to other types of antidepressants in the market.

 What is the most successful antidepressant? 

The most effective antidepressants that many people use and trust include Celexa, Luvox, Savella, Wellbutrin, Vestra, Cymbalta, Paxil, and Prozac. These medications are what experts usually suggest because they generally are less likely to cause additional problems even at higher therapeutic doses. It also causes fewer bothersome side effects against other variety of antidepressants.

In case you feel a little off when taking some of these, contact your health care provider immediately. Be honest about the side effects you might be having so they can find a way to change your medication, reduce your dosage, or make you stop taking them.

 What is the most effective antidepressant with the least side effects? 

For most patients, Selective serotonin reuptake inhibitors (SSRIs) are the ones they prefer. These medications have several minor side effects and are less likely to cause additional health problems at some higher therapeutic dose levels. These drugs are most tolerable and the most effective and usually focused on minimizing medication side effects. Thus, that makes SSRIs a potentially good option for treating mental health problems such as anxiety and depression.

 What is a good natural antidepressant? 

Several herbs can help regulate and lift mood, especially when it is a mild to moderate depression. These include St. John’s Wort, SAM-e, Omega-3, Lavender 5-HTP, DHEA, Folate, Saffron, and Zinc. But it is vital to consider seeking professional help before taking any of these.

 How can I increase Serotonin and dopamine naturally? 

There are ways to increase dopamine and Serotonin naturally. It includes eating a lot of proteins to help the body build smaller blocks of amino acids. It also helps to get enough sleep every night to help the mind and body rejuvenate. Also, exercise should be considered since it reduces stress, anxiety, and other mental health problems. Don’t forget to practice mindfulness meditation as well, for it can help boost self-confidence and self-awareness.

 What drugs increase serotonin levels? 

The most common drugs that increase serotonin levels are meperidine, dextromethorphan, methadone, methylenedioxymethamphetamine, and mirtazapine.


 What causes a lack of Serotonin? 

A lack of Serotonin is usually age-related health and brain changes. Sometimes, it is from a poor diet, chronic stress, and a lack of natural light exposure. But those are not limited reasons for serotonin deficiency is thought to be associated with several psychological symptoms. Some of these include aggression, impulsive behavior, irritability, poor appetite, low self-esteem, depressed mood, insomnia, and anxiety.

 What raises serotonin levels in the brain? 

There are specific ways to raise serotonin levels in the brain. First is regular exercise. If you give yourself at least 30 minutes each day, there is a guarantee of an improved overall mood. Nutrition also plays a part. Eating a healthy diet can boost serotonin levels in a significant way. Fruits and vegetables are the best options for that. Also, practice meditation and mindfulness so you can focus your thoughts on happy things.

 What is the happy hormone?

Dopamine is recognized as the “feel-good” hormone, and these primary chemicals in the brain affect happiness and pleasurable sensations. It also helps improve memory, learning, motor system function, and more.


The Importance Of Caring For Your Mental Health




Mental health is vital to have a balanced and healthy life. As reported by the National Alliance of Mental Illness, one out of five Americans suffers from a mental health condition, which translates to over 40 million adult individuals every year.

Your mental health embodies our social, emotional, and psychological well-being. This implies that it affects how you think, behave, and feel every single day. Your mental health also influences how you make decisions, deal with stress, and interact with others in your life.

Is Emotional Wellness Relevant?

Definitely, emotional and mental health is relevant because it’s a crucial aspect of your life and impacts your behaviors, emotions, and thoughts. Being emotionally stable and healthy fosters productivity and competence in daily activities such as school, caregiving, or work. It plays a vital part in the well-being of your social and personal relationships. It allows you to get acclimated to life’s changes and ultimately deal with the various adversities you face.

Are There Ways To Enhance Your Emotional Well-Being?

There are things you can do to enhance your mental health daily. Simple things like eating healthy food, exercising, taking much-needed breaks, talking with someone you trust, and getting sufficient sleep can help improve yourself emotionally.


When Is The Best Time To Seek Help?

Problems that are connected with mental health can impact people in various methods. If you start seeing transformations in your overall happiness and connections, you can use methods to access support and help.

  • Gain more knowledge on mental health. You can find plenty of resources if you want to learn more about it. These include the National Institute of Mental Health, BetterHelp, and Anxiety and Depression Association of America.
  • Reach out to family, friends, and significant others. Interacting with others and opening up to them can help you get mental and emotional support.
  • Get your mental state assessed. A complete evaluation of your mental health can identify if anxiety, stress, or depression might be affecting your life. Ask for a mental health assessment from a trusted mental health provider.
  • Reach out to a professional. If you feel that your emotions affect you, it may be the best time to ask for extra support.

Finally, you can learn more about caring for your mental health on articles and blogs dedicated to helping people increase their awareness of mental health conditions like depression and anxiety and how you can deal with them efficiently.

The Significance Of Acquiring Mental Health Services

When you hear people talk about something ‘healthy,’ they typically emphasize the physical aspect, like the absence of an ailment, low cholesterol levels, or great cardiovascular strength. Sadly, many people have mental health conditions that are equally as damaging as some of the nastiest physical conditions. By availing of professional and mental health services, most people experience a better quality of life. Still, for many, the help they need never arrives, as they either lack sufficient access or they fail to ask for it.


Is Mental Illness Common?

It is fairly common. An estimated one in five people living in America suffers from some mental disorder per year. Additionally, approximately 10% are diagnosed with a severe mental health condition that substantially restricts one or more basic life activities.

From manic disorder down to schizophrenia and depression, various mental health illnesses can cause daily living activities difficult to perform normally. Also worth noting is the fact that many Americans suffer from addiction and anxiety. According to NAMI, approximately 18% of the population in the United States is diagnosed yearly with PTSD, OCD, and other certain phobias. Its statistics also show that more than 20 million people in America have substance abuse conditions.


When Mental Health Illness Is Not Treated

Mental health disorders can make it difficult and unbearable for those who suffer from them. Additionally, these issues can have a greater impact on the community in general, particularly when these cases are left untreated or if treatment is postponed. The numbers from NAMI prove this fact.

  • Mood disorders like bipolar disorder and depression are among the most common causes of hospital admissions in patients 19 to 45.
  • Severe mental conditions cost America approximately $190 billion in losses each year.
  • American adults who have a mental condition die about 25 years earlier than others, mostly because of treatable illnesses.
  • Over 90% of kids who die due to suicide have a mental illness.
  • About 40% of students with mental illness quit high school.


Offering Help

When the opportunity arises, mental health services should reduce the cost and provide more of the currently limited resources. Studies show that individuals seldom access medical services after they get proper mental health care. Help for mental health also decreases the risk of longstanding conditions associated with anxiety, substance abuse, and stress.

More significantly, mental health services improve lives while giving hope to those who are lost and depressed. If you or someone you know is battling a mental health condition, act quickly by taking progressive steps geared towards healing and recovery. Talk to a mental health professional today.




Should You Get A Medical Insurance Plan For Your Family?

With a mother that raised three kids single-handedly, it’s expected for us not to get everything you wanted or needed in life. For instance, since I was the middle child and closer to my sister’s age, I got her hand-me-downs most of the time. Even though it was famous for kids to buy food from the cafeteria, we always brought whatever we could find at home for lunch. If we’re lucky, we could get sandwiches. If not, we had to stick to an apple or banana.

One other thing we did not have access to while growing up was medical care. Since we did not have money to pay for doctors, Mom turned into one at home. I could still remember one time I had a loose toothy, and she pulled it out for me. If someone had the flu, she gave us cold showers and warm drinks with honey and lemon. No one had complaints because her methods worked.

When I had my first child, my spouse opened up about getting a family insurance plan. My initial reaction was like, “No way! Let’s use the money for our baby’s college fund.” Then, my spouse, who happened to get Get regular Medical and dental checkups from birth, tried to explain what getting this family insurance meant.

Below are the pros and cons of getting a medical insurance plan for the family.



Avoid Paying Hospital Bills Out Of Your Pocket

The primary advantage of having health insurance is that you can go to any accredited hospital without the fear of getting turned away before you don’t have a cash or credit card on hand. You merely need to give your HMO details to the administration staff, and they will treat you immediately. You may even opt for a private room instead of getting placed in a public ward without a problem.

All this is possible because insurance companies allocate a few thousand dollars to every policyholder. The exact amount depends on your preferred plan, but it is for different conditions, so it should still be okay. As long as you need not pay the bills out of your pocket, you’re good.


Have Immediate Access To Amazing Doctors

Every healthcare company is connected to a long list of doctors who specialize in various diseases. You can see their names on the welcome package that usually comes after signing your agreement. 

Mind you; they are not always novice doctors who want to do everything to get by. Many are well-known in their field, so you don’t have to feel limited by your options. What’s more is that you can get their services and then allow the insurance provider to shoulder their professional fees for you.


Avoid Worrying About Finances When A Loved One Is Ill

When my husband got diagnosed with prostate cancer, we were utterly devastated. Although it was still curable, he would even need to get radiation therapy to kill the cancer cells and keep them from spreading. He had to take a couple of months off work so that his body could recuperate continuously. 

As a saving grace, we did not worry about finances anymore, thanks to our family insurance. It would have been a pain to handle the bills since cancer treatment fees were significantly higher than that of other diseases. Without insurance, we would have had to pay at least $50,000—the kind of money that we did not have lying around.



Pay For High Policy Costs

The reality with insurance plans is that the more people you get it for, the higher the costs. For instance, for our family, I paid approximately $400 every month. If I did not have a stable job, we would have become homeless because of that.

Pay The Plan Without Using It

Another issue with insurance plans is that a lot of families end up being unable to use it. After all, some people have strong immunity and don’t ever get hospitalized. Other than dental and regular checkups, the high amount may not justify the need to get a healthcare policy for the entire family.


The Bottom Line

Did we get medical insurance for our growing family? Yes. That’s because we wanted to have another child in a year or two, and we could save a lot if we did not pay for my checkups and childbirth and our kids’ trips to the pediatrician.

Although I vetoed it at first, I realized that the advantages of getting a healthcare plan outweighed all the cons. After all, even if we could not use it for a year, it merely meant that we were healthy. It also gave us a backup strategy in case we ended up needing it during an emergency.

Think of the best premium plan for your family now!


The Effects Of The Coronavirus Pandemic On Healthcare




The strategy that various countries have embraced has been interesting to watch, with South Korea and Singapore implementing advanced digital solutions in terms of contact tracing and extensive testing. In Europe, different approaches have also been utilized, with Germany incurring the highest rates of testing, the biggest number of ventilated beds, and the highest number of trained front liners to support patients. As a result, they have the lowest number of deaths.

Furthermore, it has become clearer that the impact of COVID-19 on healthcare encompasses the illness that it produces as these healthcare systems need to cope with the existence of other diseases that may or may not be communicable somehow. This poses a tremendous challenge since, in most cases, the systems are not able to manage the number of patients that need care due to COVID-19, despite the fact that sometimes there are no other existing conditions like pulmonary, cardiovascular, and metabolic diseases and cancer.

The effects of the pandemic vary from country to country, although some other patterns are developing. For instance, primary care has long assured people that issues like access and care could be brought digitally, but up until today, digital implementation has not been that excellent. The goals that we have around the digital revolution have been slowly accomplished because of the slowness of the implementation itself. Additionally, history shows that there are many challenges in an aging workforce, with consumer pressure making it almost impossible for the post-COVID-19 to be the same as the pre-COVID-19 times.




Consequently, the impact of the pandemic upon digital technology in terms of the provision of healthcare remains to be significant. It is improving as quickly as the coronavirus is spreading worldwide. Hence, reflecting on this new post-COVID-19 era, these can be considered as:

It is directly related to the pandemic.

There are a lot of things to be learned from using digital technology in public health systems, from the connecting of data in laboratories to the emergence of technological solutions to do link testing in different locations, and ultimately allowing information and insights to be gathered around spread and contamination.

Telemedicine for public health emergencies has been well-organized in many countries. A central approach for healthcare surge control for those suspected with the coronavirus recommended screening patients before they go to the emergency departments. The use of digital technology around access and delivery of primary care could not be delivered appropriately. There are a lot of examples of this in the United States that are utilizing personalized online screening, some of which are working effectively, and some are not.

In truth, the success of telemedicine depends really on our imagination, from bringing better answers in terms of disaster planning to the primary care of suspected patients by communicating with them online and face-to-face, regardless of their location.

Caused By The Pandemic

The world after COVID-19 is most likely a time when the care of various medical interactions, such as the delivery of primary care or the treatment or non-infectious diseases, shifted to digital approaches as the main variable instead of being the exemption. This new era would also probably allow other types of technology, like artificial intelligence and the power of 5G, to unite on a whole different level. We see this reality at speed we could not have imagined. In the United Kingdom, primary care has now begun to utilize telehealth and has adopted a digital priority approach as a way of dealing with care appropriately. This was only something of a theory a few weeks ago before the virus hit.




There is still so much that needs to be done. The government has to incorporate the implementation of these modalities and include a strong clinical support team. The scope and scale of the challenges brought about by the coronavirus are changing. Digital transformation is seen to be beneficial and must be continued and improved further. Another relevant change that is now growing is the implementation of precision health in both predictive and personalized public health and in utilizing digital technology in encouraging people to self-manage non-infectious diseases.

Finally, we all must understand that this post-COVID-19 world will look different from the previous world that we have gotten used to. Our hope is that by embracing these digital modalities in primary care, we will be close to achieving our goal of delivering better healthcare to everyone across the globe.





The Impact Of COVID-19 To Vulnerable Adults, Seniors, And Healthcare



Every passing minute, there is another complication that arises from the coronavirus, most of which fall mostly on seniors and adults with existing conditions. Evidently, the risk of getting infected is highest among the elderly and those with underlying health conditions. Additionally, the death toll for nursing facility residents is shocking, which is why visiting patients has been banned. Senior facilities that so many of the elderly are dependent upon are now closed. Only meal pickups are available, and this poses a challenge for most seniors because public transportation is scarce. This group of individuals is facing the frustrating challenge of inattention and isolation, which can be as dangerous as the coronavirus itself.

Seniors And Home Health Employees Affected

The federal government has abdicated the usual three-day hospital admission prerequisite for Medicare insurance coverage to accommodate more patients. But there have been reports that the many long-term care centers have not been accepting new patients. Further, most home health companies don’t accommodate new cases because they are having difficulty providing services to their existing clients. And this will apparently worsen as more and more home health employees become ill or are forced to stay home. This would mean that there is a higher number of seniors left in hospital facilities while it is unsafe for them to be there.


Home health employees may also be carriers of infection and may ultimately endanger the patients and residents that they are providing care for. Although facilities are obliged to screen employees meticulously, the risk will always be there.

Medicaid And Other Companies Affected

Some companies that cater to vulnerable adults have stopped operating at the moment. For instance, in New Jersey, programs for the disabled are currently closed, placing more stress and pressure on families to take care of their loved ones without assistance from certified caregivers. The government has loosened some guidelines on home health providers, allowing more hours of weekly work and also providing salaries to family members who are direct carers of the elderly and vulnerable adults after they have gone through and passed the application process.

As for direct contact, face-to-face care of clients from support and coordination companies are temporarily suspended except for cases associated with health and safety. The issue is that it’s difficult to identify when health and safety are threatened even with no regular contact. The Division of Developmental Disabilities is operating from its own office and is communicating via the Internet.

Other companies are caring for the disabled and the elderly that are affected as well, and Medicaid is one of these companies. The New Jersey Boards of Social Services have transitioned to remote access and having a skeletal type of system in their offices. Undoubtedly, the process is slower than normal. It is not clear whether or not new applicants of Medicaid can be prepared remotely, as this new system is still at its infancy stages and still mostly paper-driven. Additionally, community nurses who are assigned to evaluate Medicaid applicants are not doing their jobs. So the application procedure is waived, these new applicants are unable to secure their Medicaid coverage and will, therefore, be possibly denied of necessary care. They will also be unable to receive benefits provided by the company.


These times are not ordinary. We do hope we will soon return to our normal topsy-turvy but happy and COVID-free lives. In the meantime, carers of vulnerable adults and seniors, and individuals with disabilities, you must all be keen on protecting your loved ones. Medicaid suggests that you maintain constant communication with them and to be assertive in asking for help when necessary. Community agencies, private healthcare companies, and local governments are available to work with you to make sure that our vulnerable loved ones will not break down amidst these devastating times.