#013 – Learn why the amounts paid to doctors, hospitals, pharma and other providers are the single biggest factors in the cost of your health insurance. Understand how underwriters and actuaries use historical paid claims to forecast future claims, establish reserves and keep pace with inflation. These amounts are then utilized to create the health […]
#012 – Learn what everyday stuff underwriters use to price your health insurance. Control what you can and forget the stuff that underwriters use, everyday stuff, like your age, sex and ZIP code, that is arbitrary and you cannot change. If you live in New York or California, your rates are likely to be much […]
#011 – Learn the components that affect the price you pay for your health insurance so you can save your hard-earned dollars. This is Scott Dowling's second in a series of episodes that will help you understand how your health insurance is priced. Scott presents the cost components in easy-to-understand way. Get the episode freebie […]
#010 – Learn how your health insurance is priced by actuaries and underwriters as they look at group vs. individual risk. Health Care is not health insurance! Our mantra! Our cry! Don't let anyone fool you……your health insurance coverage is for you, not anyone else. Your health insurance transfers your risk of financial burden to […]
#009 – Know what you have! Grab your policy or the plan outline provided by your employer and review your coverage now, at the beginning of the year. Understand what you will have to spend if and when a claim arises and set money aside, as best as you can, to cover the total. Know […]
#008 – Health Questions posed by Jamie Crosier of Organize Like A Pro podcast. Jamie and her listeners have questions just like you! Doxcost is here to help. Learn why your premiums are lower and you save when you Organize Like A Pro and utilize a High Deductible Health Plan. When you have a Health […]
#007 – By filling up your HSA now, with the maximum contribution for 2020, you will virtually eliminate any surprises for 2021. Plus, you'll get a nice return on the money you contribute now when you file your 2020 taxes in a few weeks. By maximizing your contribution to your Health Savings Account, you can […]
#006 – It's the Thanksgiving Show, but it's after Thanksgiving. Parents and Grandparents will definitely learn some good stuff! Scott W. Dowling discusses some of the things that came up in discussion with recent college graduates who have new employee benefits with their new employer. Since it is the end of 2020, Scott tells you […]
#005 – Learn the rules for Health Savings Accounts and High Deductible Health Plans for 2021. Learn how to qualify for a Health Savings Account, what the contribution limits are for 2021 and how the deductible and out of pocket costs for the High Deductible Health Plan are limited, both high and low. Thanks for […]
#004 – A High Deductible Health Plan (HDHP) plus a Health Savings Account (HSA) is far less expensive than a traditional lower deductible PPO plan like you probably have now. With a High Deductible Health Plan and and HSA: The premium you pay is likely far lower The amount of your out of pocket expenses […]
