This poor boy is pleading for his life, bury his head in corner too depressed to even lift his head

When reviewing health plans and evaluating cost, keep in mind health insurance wasn't designed to cover every penny related to health care.

Everything under the sun on an open credit card is nice, but not when you are paying the bill. But you are.

The purpose of insurance is to cover sudden very expensive losses. It's about making you whole again and not have the financial responsibility of a ton of money to do it. Somehow we all decided over the last 60 years that the traditional plan should pay for everything.

Health insurance is the only insurance product, for the most part, that pays for first dollar coverage like doctor visits and prescription drugs. The healthcare system gamed the system on the bigger bank account paying the bill, not the small guy. The tables have turned...

Employees are more responsible for their healthcare in paying more for premium dollars out of their check and higher costs. Employers should engage their employees in being more proactive in their healthcare. Here are a few ideas:

Don't run to the ER or the doctor visit for every little thing. What happened to home remedies or waiting to see the doctor instead of running to the ER? This will save you thousands in a year if you have kids.
Try saving money on medication by finding alternatives. Sometimes skipping the drug may not have an impact on your health, but keeps you coming back to the doctor. The other thing you can do is shop around. Just because they are convenient doesn't mean it is the most cost-effective.
Just because your doctor recommends a test, it doesn't mean you have to jump to it and have it done. The doctor went through many years of school, but they are also trying to run tests to protect them and get paid. Ask more questions to see if you feel it's the right thing. Just like you would if your mechanic suggested items. It's your money.
If you are scheduling a procedure, take a look around. Many new facilities are popping up to help reduce cost from outpatient testing to outpatient surgical facilities. The hospital isn't the cheapest. Far from it. This ends up driving the price up for you and the insurance company.
You do not need to go to a state of the art teaching hospital, for most thing. There are a time and place for the advanced care that some of the predominant teaching hospitals bring to the table. However, for most things people go through its overkill and overcharged.
In the end, it will end up costing you more money, either in out-of-pocket expenses or premium. There is no free lunch.

This poor #pitbull boy is pleading for his life!

For a young pitbull boy, his short time on earth has been nothing but an uphill struggle. For some unforsaken reason, his owners just didn't have the time to care for him, nor show him the love and attention he deserved.

The Riverside Animal Shelter is not exactly the place where hope and love abound. The dogs in the facilities are given just a few weeks, and sometimes even just days to find forever families before the unthinkable happens: euthanasia.

Riverside Animal Shelter is packed with over 400 #shelterdogs and this sweet boy knows his days could be numbered ‼️#A1483901

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Riverside County Animal Control - San Jacinto Valley Animal Campus at (951) 358-7387
581 South Grand Avenue, San Jacinto, CA 92582 California
Ask for information about animal ID number A1483901


STATUS : - read comment for update from crossposter
If you are one of the many self-employed or work for an employer that does not offer any insurance benefits, you will have to shop for health and dental policy on your own or with the help of an insurance agent. For some this may seem overwhelming but it really only takes some research to gain better understanding on how insurance plans are organized.

When reading a health insurance policy you will encounter insurance specific terms. These terms tell you what you are responsible to pay and what the insurance company will pay.

Copay - This is a cost sharing agreement in which the insured pays a predetermined amount and the insurance company pays the rest. Example: You have a $50 copay for a doctor visit where the cost is $80. You pay the $50 and insurance pays $30.

Deductible - This is how much the insured is responsible to pay before insurance will begin to pay. The higher the deductibles, the lower the monthly cost.

Coinsurance - This is another cost sharing agreement but in this one you pay a certain percentage and the insurance company pays another percentage. Example: Your office visit cost $80 and you are responsible for 30% which is $24 so the insurer will pay 70% which in this case is $56.

Waiting period - This is a way for insurance companies to cut cost and avoid paying for pre-existing conditions. Waiting periods vary but you may encounter waiting periods anywhere from 1 to 12 months for services that will later be covered.

Dental insurance companies offer many plans but most fall into the category of a savings plan, a network plan or a fixed benefit plan. Each plan will address preventative, basic and major services. Consumers need to be educated on what all that means because the three basic types of plans are very different.

The dental savings plan is cheap and only offers network discounts. Most advertise discount ranges of 20% to 65% depending on which provider you choose. Some people think these plans are worthless and do not offer much benefit but they are perfect for people who only need cleanings, few basic services and no major services. The other thing to consider is that the network and fixed benefit plan have a maximum amount of benefits per year. This plan does not so it could also augment a network plan.

A network plan has copays and deductibles. It offers more coverage with an emphasis on preventative services and happens to be the most expensive option. This plan will typically pay 100% of your preventative services and percentages of your basic and majors. Some will have a waiting period on these services and some do not cover major services at all. You must determine if you have a risk of needing major services or if you can augment the plan with a savings plan.

The fixed benefit plan pays predetermined cash for covered services. If your family cannot afford a network plan, this is your next best option. This one has no deductibles but you must pay the difference between the fixed benefit and the dental bill. The best thing is that there are no networks so you can choose any dentist you want. You can also become a better consumer because you can ask the dentist what their prices are to maximize your fixed benefit. This plan can also be augment with the dental savings plan because the money is sent to you, not the dentist.

Understanding insurance specific terms can become daunting when looking at a contract that may be over 30 pages in length. Consumers must do their research but I recommend they speak with a professional. I licensed insurance agent has been trained and understands the specifics in contracts. They are best prepared to explain the nuances that you might skip over.

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