In this section of Sallycares.com we focus on the changes that are happening with insurance coverage and provide you with information about those changes as we are made aware of them.

Whether it is Medicare, Medicaid or Commercial insurance, we are all noticing changes that are affecting our policies and coverage.

For Sallycares.com members we are more than happy to follow up on any specific insurance question that you may have regarding your insurance changes, but we are not able to suggest another insurance company and guarantee that you would not potentially have another issue.  Your insurance agent should have the best information for you, since they would have knowledge of your health history and any specific needs you might have.

Commercial Insurance:  There are many types of commercial insurance policies.  They vary associated with the amount of deductible that is charged, as well as the type of coverage they provide.  Usually, the higher the deductible, the lower the monthly premium.  With the initiation of “Obama Care” there are anticipated changes that will be coming, but we are not exactly sure how the changes will roll out.  Stay tuned as we learn more.

Medicare and Medicaid:  Both of these programs are changing and the rules associated with how coverage will be altered are not yet clear.  The newest update that we have received has been associated with Medicare’s changes regarding the provision of Durable Medical Equipment or DME.  There is additional information regarding that change on the web site. The most important thing to know is that all prescribed equipment will now be provided by a supplier that won a “bid” for a specific zip code or geographical area.  Example:   If you are in Florida for the winter and need a wheelchair, the providers that are treating you in Florida are responsible to determine your zip code from your actual county of residence up north.  Your state of residence zip code is where your equipment will need to be provided from.  So that means that your wheelchair will need to be shipped from whichever supplier that is the area Medicare provider up north, to Florida.  I know that the process sounds more complicated than what you are used to, and it is. 

These are uncertain times regarding our healthcare.  We all need to be our best advocate, and learn how to do that.  Join Sallycares.com today and have support while we unravel all of these insurance issues together.  As a member you can always send us your questions through “Contact Us,” and we will be glad to review your concerns!   

“Now, let’s get going!”  J Sally