COD has always been a massively influential series. So when the latest game moves away from regenerating health, it’s probably worth paying attention. Even more so than when Bioshock Infinite did the same thing several years ago.
I’m predicting a lot of comments saying ‘git gud’ and ‘u forgot X game’. Well… tough. The video works as is.
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If you have health insurance or are in the market for an insurance plan, you may be feeling terminology overload. What is a deductible? What is coinsurance? How does a Co-pay work? What is an insurance Premium? Individual out of pocket maximum? In this video, we’re going to break down these essential health insurance terms, explain how the costs work for both you and your insurance company, and hopefully help you feel more confident about how your plan works.
Table of Contents:
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0:00 – Intro
0:30 – Overview
1:01 – Your Expenses
1:28 – Insuranace Premium
1:43 – What is a Deductible?
3:13 – What is Copay?
3:50 – FREE Services
4:03 – What is Coinsurance?
4:40 – Individual Out of Pocket Maximum (OOP)
5:00 – Family OOP Max
5:08 – Review
There are 3 levels of health care costs. The higher your costs for the year, the higher up you go. Level 1, You’re paying everything. When your healthcare expenses get to a certain point, you enter Level 2, where you and your insurance company share the costs. If the money you’re paying out of your pocket hits your plan’s cap, you enter Level 3, where your insurance will cover everything further. We’ll circle back to this at the end and it’ll all make more sense.
Now, whether your health insurance is provided through your employer plan, by someone else’s employer plan, self-pay, or a government-issued plan like Medicare or Medicaid, they all have set amounts for premiums, deductibles, co-pay, and co-insurance. These are all terms that represent your out of pocket costs.
🔵 Premium. Think of your Premium like a monthly subscription fee. This is how much you pay each month to keep your insurance active. You pay this even if you never go to a doctor.
🔵 Deductible. Your deductible is an amount specified by your plan that you have to pay in a given year before your insurance pays a dime. For example, if your deductible is set at 00, and the bill for your visit to the hospital was 00, you have to pay 100% of that bill. Bummer.
But if your deductible is set at 00 and the hospital bill is 00, insurance would kick in to help cover half of that bill. Notice that I said it will “help cover” half of that bill…”help.” More on that later. Once you have paid that amount toward covered medical expenses, you’re good until your plan renews. (Usually January 1st)
🔵 Co-Pay. Your co-pay is a set cost you pay for a covered health care service, such as visiting an in-network doctor, a specialist, or buying drugs. Let’s say you go to see your doctor, who charges 0 for an office visit, but your insurance has a co-pay of for doctor’s visits. You pay the and your insurance picks up the rest.
🔵 Co-Insurance. Remember when I said that insurance will “help cover” costs that exceed your deductible? That’s where co-insurance comes in. Co-insurance is a shared cost between you and the insurance company. So, depending on your policy, it may say that after your deductible you pay 20% and your insurance company pays 80%. That’s called an 80/20 policy.
🔵 Individual Out of Pocket (OOP) Maximum: The amount of money that you pay through co-pays, co-insurance, and deductibles. This is your plan’s cap on how much you have to personally pay toward your healthcare costs. After that, 100% is covered by your insurance.
🔵 Family out of pocket max: A cap on the medical costs for a family. After that, your insurance covers the rest for the entire family.
Now let’s bring back the 3 levels example from the beginning. You start on level 1, paying basically everything out of pocket…that is until you reach your deductible. That’s when you go to level 2, where you split the cost with your insurance company through Co-Insurance. If your medical expenses get so high that the total of what you paid reaches your yearly out of pocket maximum, you move to level 3 where all further healthcare expenses for the rest of the year are 100% covered by your insurance plan. When your plan resets for the year, you start back at the beginning.
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At the end of each year, I’m trying to give you a sneak peek into what we can expect as we head into the next year.
In 2021, the pandemic only accelerated some already established trends in digital health.
In 2022 I expect to see even more emphasis on A.I. solutions, remote care, and at-home tests, as the point of care keeps shifting to wherever the patient is.
Gordon shows off some of his healthy cooking recipes.
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“The biggest impact on your health is not with a blockbuster drug, it’s not with a new pioneering surgical technique, it’s with the simplest solution. It’s how we feed ourselves”.
Dr Rupy Aujla is an NHS doctor who believes modern medicine is fundamentally missing a focus on nutritional medicine. Despite diet being an essential ingredient to our well-being, medical students in the UK often receive just a few hours training in nutrition.
Rupy’s TEDx talk explores the medicinal effects of different ingredients and debunks some common ‘diets’, focusing on how we can make ‘culinary medicine’ rather than fad diets the default option.
Rupy founded ‘Culinary Medicine’ – a non-profit organisation – specifically to address this gap by teaching doctors and medical students the foundations of nutrition as well as teaching them how to cook.
In his role as clinical adviser to the Royal College of GP’s and more recently being accepted as a fellow on the NHS Clinical Entrepreneur Programme – Rupy has big aspirations to bring the concept of ‘Culinary Medicine’ to the profession globally.
Recently Rupy and the Culinary Medicine team have successfully taught Year 3 University of Bristol Medical students as part of their undergraduate training and they’re working with University College London to deliver a course to their students this year.
Rupy is equally passionate about sharing good nutritional advice and delicious healthy recipes with the general public via his company ‘The Doctor’s Kitchen’. He aims to inspire patients about the beauty of food and the amazing clinical research behind the ingredients he uses. He has two best-selling cookbooks – ‘The Doctor’s Kitchen’ and his second book ‘Eat to Beat Illness’ which was released in March 2019 and quickly became a Sunday Times Bestseller.
Credits:
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Directed and Produced by Mel Rodrigues, Creative Director TEDxBristol
Production Manager: Clare Crossley
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Dan O’Connell Dr Rupy Aujla is an NHS GP and founder of “The Doctor’s Kitchen” and the non-profit ‘Culinary Medicine UK’ – which aims to teach doctors and medical students the foundations of nutrition as well as teaching them how to cook.
In his role as clinical adviser to the Royal College of GP’s and more recently being accepted as a fellow on the NHS Clinical Entrepreneur Programme – Rupy has big aspirations to bring the concept of ‘Culinary Medicine’ to the profession globally.
Recently Rupy and the Culinary Medicine team have successfully taught Year 3 University of Bristol Medical students as part of their undergraduate training and they’re working with University College London to deliver a course to their students this year.
Rupy is equally passionate about sharing good nutritional advice and delicious healthy recipes with the general public via ‘The Doctor’s Kitchen’. He aims to inspire patients about the beauty of food and the amazing clinical research behind the ingredients he uses. He also has two best-selling cookbooks published by Harper Collins – ‘The Doctor’s Kitchen’ and his second book ‘Eat to Beat Illness’ which was released in March 2019 and quickly became a Sunday Times Bestseller. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at https://www.ted.com/tedx Video Rating: / 5
Balanced Diet – Video for Kids
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After more than two days of meeting, provincial health ministers and the federal health minister have been unable to come up with next steps on health care funding.
In a statement from the Council of the Federation, released while the ministers were still meeting, the organization representing premiers expressed disappointment with the lack of a federal response on the critical issue of sustainable health funding.
The provinces have been asking the federal government to agree to a meeting that would include Prime Minister Justin Trudeau and the premiers.
Following Tuesday’s discussions, a news conference led by B.C. Health Minister Adrian Dix was held.
For more info, please go to: https://globalnews.ca/news/9260436/healthcare-federal-funding-provinces/
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In this video Chris outlines the basic requirements for employers and employees, starting with the Health and Safety at Work Act 1974, which applies to both employers and employees and also the Management of Health and Safety at Work Regulations 1999.
A few of the thing this will cover:-
1. Risk Assessment
2. PPE
3. COSHH Assessment
If you found this video helpful, we have lots of other videos and free information available on our website, and check out our other videos on the channel.
A Mount Sinai Morningside and Mount Sinai West Department of Medicine Grand Rounds presented by Charles Branas, PhD, Gelman Professor and Chair, Department of Epidemiology, Columbia University, Mailman School of Public Health
When I consider purchasing an individual health insurance plan for myself or my family, do I have any financial obligations beyond the monthly premium and annual deductible?
Answers: It depends on the plan, but some plans have the following cost-sharing elements that you should be aware of.
Co-Payments: Some plans include a co-payment, which is typically a specific flat fee you pay for each medical service, such as for an office visit. After the co-payment is made, the insurance company typically pays the remainder of the covered medical charges.
Deductibles: Some plans include a deductible, which typically refers to the amount of money you must pay each year before your health insurance plan starts to pay for covered medical expenses.
Coinsurance: Some plans include coinsurance. Coinsurance is a cost sharing requirement that makes you responsible for paying a certain percentage of any costs. The insurance company pays the remaining percentage of the covered medical expenses after your insurance deductible is met.
Out-of-pocket limit: Some plans include an out-of-pocket limit. Typically, the out-of-pocket limit is the maximum amount you will pay out of your own pocket for covered medical expenses in a given year. The out-of-pocket limit typically includes deductibles and coinsurance. But, out-of-pocket limits don’t typically apply to co-payments.
Lifetime maximum: Most plans include a lifetime maximum. Typically the lifetime maximum is the amount your insurance plan will pay for covered medical expenses in the course of your lifetime.
Exclusions & Limitations: Most health insurance carriers disclose exclusions & limitations of their plans. It is always a good idea to know what benefits are limited and which services are excluded on your plan. You will be obligated to pay for 100% of services that are excluded on your policy.
Beginning September 23, 2010, the Patient Protection and Affordable Care Act (health care reform) begins to phase out annual dollar limits. Starting on September 23, 2012, annual limits on health insurance plans must be at least million. By 2014 no new health insurance plan will be permitted to have an annual dollar limit on most covered benefits.
Some health insurance plans purchased before March 23, 2010 have what is called “grandfathered status.” Health Insurance Plans with Grandfathered status are exempt from several changes required by health care reform including this phase out of annual limits on health coverage.
If you purchased your health insurance policy after March 23, 2010 and you’re due for a routine preventive care screening like a mammogram or colonoscopy, you may be able to receive that preventive care screening without making a co-payment. You can talk to your insurer or your licensed eHealthInsurance agent if you need help determining whether or not you qualify for a screening without a co-payment.
There are five important changes that occurred with individual and family health insurance policies on September 23, 2010.
Those changes are:
1. Added protection from rate increases: Insurance companies will need to publically disclose any rate increases and provide justification before raising your monthly premiums.
2. Added protection from having insurance canceled: An insurance company cannot cancel your policy except in cases of intentional misrepresentations or fraud.
3. Coverage for preventive care: Certain recommended preventive services, immunizations, and screenings will be covered with no cost sharing requirement.
4. No lifetime maximums on health coverage: No lifetime limits on the dollar value of those health benefits deemed to be essential by the Department of Health and Human Services.
5. No pre-existing condition exclusions for children: If you have children under the age of 19 with pre-existing medical conditions, their application for health insurance cannot be declined due to a pre-existing medical condition. In some states a child may need to wait for the state’s open-enrollment period before their application will be approved. Video Rating: / 5
(Visit: http://www.uctv.tv/) Steven Sell is president of Health Net’s Western Region Health Plan. He is also president of Health Net of California, Health Net’s largest subsidiary, which covers more than 2.2 million members in commercial, Medicare and Medicaid programs across the state. [Health and Medicine] [Show ID: 25186] Video Rating: / 5
Every word is our commitment to you. Better Begins Here describes the Genesis of today, and it is a way to remind you of our commitment to deliver on our mission – to provide compassionate, quality healthcare. Better Begins Here, at Genesis, whether you’re being treated for a sore throat, a broken bone or a complex heart condition. Genesis HealthCare System is always working with you in mind. Video Rating: / 5
