Personal Hc Plan Research Paper

I do not have my own personal HC plan as I am considered a dependent child on my parents’ HC plan. With my parents’ HC plan, I am covered with their HC insurance until my 26th birthday.

2. Identify what kind of insurance you have (i.e. traditional insurance or managed HC plan) and who is the healthcare plan provider?

The health care provider that I have through my parents is called Anthem Blue Cross and Blue Shield. The specific health care plan under Anthem that my parents own is called Blue Cross and Blue Shield Service Benefit Plan and it is provided to employees of the federal government. Within this plan, there are two versions of insurance and my family has the basic version.
According to Blue Cross Blue Shield Association (2017),
How much do you (or your parents/spouse) pay per month for the plan?

My parents pay $376.12 per month for the basic version of the Blue Cross and Blue Shield Service Benefit Plan, or Anthem Blue Cross and Blue Shield (Blue Cross Blue Shield Association, 2017).

4. What the plan’s deductible?

For the basic version of the Blue Cross and Blue Shield Service Benefit Plan, there is no deductible that my parents must pay before our HC insurance starts paying our medical bills (Blue Cross, 2017).

5. What is your co-pay after the deductible is met (i.e. set amount or percentage)

The co-pay or set amount that my parents must pay for medical services depends on the type of medical service that my family and/or I am seeking. For instance, the set amount that my parents must pay for office visits with our primary care physician is a $30 co-pay each time we go in (Blue Cross, 2017). Other set amounts include $40 for each specialist doctor visits, and $125 for Emergency Room at a preferred hospital per visit.

6. Is it a comprehensive plan (does it pay for eye/dental/prescriptions) or does it require additional cost to have eye/dental/prescription. If it is not comprehensive how much is the additional cost per
The typical co-pay for OT that my parents would have to pay per day per facility is $30. My family’s HC plan combines physical, occupational, and speech therapy when determining how often Anthem will pay for therapy services for an insured. For instance, Anthem provides each individual enrollee with only 50 visits for physical, occupational, or speech therapy, or a combination of all three therapies, per calendar year. If an occupational therapist believes that the client is improving or benefit more from interventions, the occupational therapist can try to claim additional visits for their clients. The claim, to Anthem, for additional visits can be a written statement by an occupational therapist who details the medical necessity for continuing the services and the anticipated length of time needed for additional