Posts Tagged ‘network provider’

California’s Timely Access to Medical Care

Sunday, February 14th, 2010

 Recently, the California Department of Managed Care has released some new guidelines for HMO patients, in order to create a more efficient and comprehensive level of care for these patients. Among the new rules:   

• A physician appointment within 10 business days of a request 

• A specialist appointment within 15 business days of a request 

• An urgent care visit within 48 hours of a request 

• Telephone access to a health care professional at all times.  

The state is giving health plans one year to comply with these new regulations. After the one year grace period, non-compliant carriers will face heavy fines. With the implementation of these new rules, it is hoped to reduce emergency room traffic, as more patients are able to obtain urgent care visits instead, as well as the overall reduction of appointment wait times (which benefit all patients – HMO and PPO alike).  

Opponents to these new regulations feel that this adds to an already strained system of primary care physicans, who are already in shortage. Fears also lie in the fact that the doctor would now be forced to spend less time with each patient. However, with the average waiting time to see a general practitioner at 20 days, it does seem that the pros outweigh the cons with these timely-access rules.

Reduced General Practice Physicians in California

Monday, July 6th, 2009

Recent studies show an alarming trend in California. General Practice physicians are in dwindling supply, and at the lower end of “per capita need”. As fewer and fewer younger physicians enter this field, the inadequacies will become even more dire. On the other hand, specialists seem to be in abundance, but are not distributed throughout the state in an equal manner. Both Specialists and General Practice doctors tend to congregate more in the urban areas, leaving the rural areas without the medical care they need. Add to that the insult of few new general practice recruits, and their current provider population getting older, these individuals can be in real trouble.
 
Hopes for getting a quick and long term recovery would mean a few things from the state. The first step, of course, would be to get more physicians to study in the field of primary care. This can be done with the help of grants, financial support, and better residency training programs in all fields of general medicine. Providing financial compensation to these new primary care providers would also help to establish care where we most need it. By making it easier to practice in the hard hit areas will ensure that no Californian is without the physicians they need. The only way to achieve this, however, is to make sure that both the patient and doctor are adequately taken care of.

What Does Concierge Medicine Mean?

Friday, May 22nd, 2009

 These days you are probably hearing a lot about “concierge medicine”. This is where physicians charge patients an annual fee of several hundred to several thousand dollars a year to ensure benefits like longer appointments, shorter waiting times and the ability to call your provider directly. It has been reported that there are over a thousand physician groups nationwide who are currently operating concierge practices.


Critics claim that these practices result in many patients being driven to emergency rooms and family doctors who remain independent, resulting in overcrowding and long stays in the waiting room. Since there are fewer doctors going into primary care, this too will only add to an already strained system.


However, providers within these systems claim that it can only benefit their patients. The doctor will be able to see fewer patients, allowing more detailed time and services to those they take on. They say that this style of patient care will result in overall improved health of their patients, as they are better able to monitor wellness screens, as well as solidify the doctor/patient relationship.


There are still many providers out there who practice independently, and do not require even more money out of your pocket. Check out the Provider Search on our website to ensure that you are getting the best care for your money.

What is the Real Cost of Non-Network Providers?

Tuesday, April 21st, 2009

Many people will find themselves in the position of dealing with a non-contracted provider.

What will this mean in regards to your insurance coverage? Depending on your plan, you may find that you now have little to no coverage for these procedures.

For example, many PPO plans will state that they cover 50% on non-network procedures.

However, it is important to realize that this means that they cover 50% of the allowable amount, rather than 50% of the overall procedure. Example:

Say you see a non-network provider and receive $1000.00 worth of care. The insurance company’s allowable amount for this procedure is $400.00.

Therefore, the insurance company pays 50%, leaving you with $200.00 PLUS the excess charges of $600.00. You will end up paying $800.00 for your non-network provider’s services.
If you had utilized an in-network provider, you would not be charged for the excess fees.

Therefore, we strongly recommend you utilize in-network doctors, medical facilities, and hospitals.

Make sure you research your doctors prior to having any sort of medical procedures performed, and don’t hesitate to ask any questions.

We are always here to help you understand your benefits, so please call us today!


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