Mens Liberty Blog Home Page Banner

Understanding Your Health Insurance

Posted by Andrew Mimault on Nov 20, 2014 3:00:00 PM

#1 Rule for Health Insurance Open Enrollment: Understand Your Coverage

We’re in the thick of open enrollment, the time of year to focus on renewing or selecting new healthcare (and prescription) insurance, plus making the most of our current insurance benefits. In both cases, the first rule is to understand exactly what your insurance covers.

Maximize your current coverage now

If you’ve met your deductible, the remainder of 2014 is an ideal time for elective procedures, surgeries, appointments, etc. that your current insurance covers. That is why this time of year is exceptionally busy period for healthcare providers. Also, don’t forget that your “well visit” is fully covered by Medicare (with no out-of-pocket expenses) and most other insurance, so make sure to take advantage of this once-a-year opportunity by calling your healthcare provider immediately.

Insurance selection tips

While it’s always nice to get a head start in October to compare your current coverage with other options, there’s still time to do some research. Insurance is somewhat of a gamble for you and your insurance provider. You’re paying a set amount up front, trying to “hedge your bets” that your plan that will provide all the coverage you need; but the insurance company is betting that you will need less coverage than you’re paying for.

It’s especially important to understand what Medicare does and does not cover. If you need certain services that aren’t 100% covered under Medicare Part A or Part B, you’ll most likely have to pay for part of them yourself unless you are enrolled in a:

  • Medi-gap (secondary) plan
  • Medicare Advantage plan
  • Medicare Part D Prescription Drug Plan

Keep in mind that:

  • Even if Medicare Part A or Part B covers a service or item, you generally have to pay deductibles, coinsurance, and copayments. In general Medicare covers 80% of the expense of a covered service – so you still have to pay the other 20% which can really add up!
  • Since Medicare Advantage plans do not necessarily provide coverage equal to Medicare, they may not be right for you if you require a surgery or procedure or have a condition (diabetes, urinary incontinence, etc.) that requires ongoing therapy, treatment with a prescription or supplies.medicare-logo-2 Before choosing any Advantage plan be sure to read all the exclusions in your contract. Don’t be blinded by advertisements offering $0 co-pays. If it sounds too good to be true – it probably is!

Coverage for urinary incontinence supplies

Medicare Part B covers services or supplies for diagnosing or treating medical conditions. The one-a-day gold standard in treating male urinary incontinence, Men’s Liberty external collection device, is covered. http://blog.mensliberty.com/get-Mens-Liberty

Absorbents (pads and adult diapers) are not covered by Medicare or most private insurances. Condom catheters are covered, but regular use can lead to infection and skin breakdown, often entailing additional medical treatment and hospitalization and greater cost to patients.

Take Action Now During Open Enrollment – and follow these simple guidelines to get the most out of your insurance coverage!

Topics: Interesting Articles

Celebrating National Family Caregivers Month

Posted by Sarah Woodward on Nov 17, 2014 4:04:25 PM

This month in honor of National Family Caregivers Month, we have been proud to partner with Today's Caregiver! So check out our new Cost of Caregiving for Incontinence Infographic and click here to listen to their audio interview with Men's Liberty Chief Strategy Officer, Wendy LaTorre.

 

InfoGraphic

Topics: Caregiving

How to Pack for a Visit to the Hospital (Video)

Posted by Mens Liberty on Nov 3, 2014 2:00:00 PM

In this week's video blog Wendy goes over some helpful tips on how to prepare for a hospital stay. So get a pen and piece of paper, take some helpful notes, and leave any other suggestions we may have missed in the comments section below. As always thanks for watching, see you next week!

Topics: Video Blogs

Infection Prevention Week 2014: Antibiotic Infographic

Posted by Mens Liberty on Oct 23, 2014 1:30:00 PM

Hello and welcome back to another blog. This week we are in observance of Infection Prevention Week and we have an interested infographic to share with all of you; courtesy of the Association for Professionals In Infection Control and Epidemiology (APIC). Check it out and let us know what you think.

AntibioticInfographic14-FINAL-page-001

AntibioticInfographic14-FINAL-page-002

 

Topics: Infographics

A Vaccine for UTI's?!! (Video)

Posted by Mens Liberty on Oct 20, 2014 1:30:00 PM

Welcome to the start of another great week! Just in time for infection prevention week, Wendy is back in another video blog to talk about some exciting new developments in urinary tract infection research. Scientists have reportedly created an experimental vaccine that can prevent catheter associated UTI's.  This is an exciting development, so give the video a watch and don’t forget to leave us your comments or questions. See you next week.

Topics: Video Blogs

You Are What You Eat...Eating for Bladder Health (Video)

Posted by Mens Liberty on Oct 16, 2014 12:30:00 PM

Welcome back to another video blog. This week Wendy is back to discuss how the food we eat can have an effect on bladder health. There is some very surprising and interesting information in this weekly update, so be sure to give it a watch!

See you next week...and as always don't forget to leave your questions in comments below.

Topics: Video Blogs

Patient Satisfaction: Make Your Voice Heard (Video)

Posted by Mens Liberty on Oct 9, 2014 12:00:00 PM

Welcome back to another video blog. This week Wendy is going to discuss customer service in the healthcare field and how patient satisfaction plays a major role in the doctor you choose.  If you are not happy with your physician; talk about it, ask questions, and if you still don’t get the answers or service you are seeking than ask for a second opinion. Remember, you have a choice.

Thanks for watching, see you next week!

Topics: Video Blogs

Six Ways Technology Can Improve Caregiving and Family Support (Video)

Posted by Mens Liberty on Oct 6, 2014 1:00:00 PM

Today Wendy LaTorre is back in this week's video blog to discuss 6 ways technology can be used to improve caregiving. We know caregiving is no easy task; it can be both mentally and physically exhausting. However, with the use of emerging technologies, caregiving can be made more efficient and a less taboo subject. Check out the video below and find out how!

Thanks for watching...see you next week!

 

Topics: Video Blogs, Caregiving

Step into the Marvel Universe

Posted by Andrew Mimault on Oct 2, 2014 12:30:00 PM

Every so often, a technological innovation so out of the ordinary is unveiled, causing the entirety of the Google universe to back away from their keyboard and double-take. This is exactly what happened in February when President Obama announced that the U.S. government is “building Ironman.” For manyironman_stock years the military along with private-sector partners have been working towards making the tactical advantage cut straight from the pages of Marvel, a reality. In June, prototype designs were shown to military commanders for the first time.

Much has been speculated about the so called Ironman suit, but little is actually known among the public. Tony Stark references aside, what we do know (or think we know) is that in addition to teaming up with Lockheed Martin, Raytheon and Boeing, the TALOS project and it’s 10 million dollar a year budget (the official name for the Ironman project, standing for Tactical Assault Light Operator Suit) now involves Underarmour and Nike in some capacity. The suit’s intended use is as a combat edge for troops, however, mystery surrounds its’ functionality.

The most pressing question the public has for the TALOS project is will it feature an artificial exoskeleton or will it be more of a light weight enhanced uniform?

Our guess is as good as the next, but some of the imagined specifics of the suit are straight out of a Sci-Fi movie. For a light-weight suit, it is assumed night vision and increased protection would be included. Interestingly, MIT is currently developing liquid armor said to be capable of keeping the wearer safer when under gunfire, by transforming from a liquid to a solid in milliseconds with the application of a magnetic field or electrical current.

raytheon_military_exoskeletonGiven the length of time the Military has been working towards developing robotic exoskeletons, it would not come as a shock if the suit incorporated this technology. Robotic exoskeletons have been of interest to the Military since the 1960’s when Neil Mizen developed the man amplifier. An artificial exoskeleton could potentially enable a solider to have the ability to carry a tremendous surplus of weight, as well as gain added mobility and agility. Navy Admiral William McRaven has said "That suit, if done correctly, will yield a revolutionary improvement in survivability and capability for special operators.”

The inclusion of a wearable computer, similar to Google Glass is widely considered a given. This tech would be incredibly advantageous to troops engaged in combat. Computers embedded in the suit could help a solider aim their weapon, increasing the ability to shoot around corners. Furthermore improved situational awareness, regulated body temperature, deliverable oxygen in the event of blood loss, are just a few of the reasons why this suit is so highly anticipated.

Todd Lovell, The Director of Technology at Raytheon believes Google Glass is just the tip of the iceberg, claiming that “25 years from now we may be to the point where sensors are in the skin and the person will become the processor.”

Although the military projects the TALOS project will be combat ready for troops engaged in “dangerous missions” by 2018, a history of technological delays makes this time estimate seem dubious.  

Assumedly named after Talos, the mythological Greek character tasked with protecting Europa, VA Home Loan Centers hopes that the Tactial Assault Light Operator Suit similarly defends the lives of military service members.


Author: Noah Perkins

Noah, a San Diego local, transplanted from Boston currently works as the CMS for VA Home Loans Centers, a V.A. sponsored third party lender, striving to find veterans and active duty personnel affordable housing.  

Topics: Interesting Articles

5 Myths About Urinary Incontinence

Posted by Mens Liberty on Sep 29, 2014 11:30:00 AM

Welcome back to another weekly video blog! This week Wendy is going to discuss 5 common myths that can be debunked regarding urinary incontinence and bladder control. Find out what they are by watching the video below.

Have a question or comment? Let us know in the comment section. See you next week.

Topics: Video Blogs

    Subscribe Today!

    Follow Me

    Subscribe to Our YouTube Channel!