PHCS Health Insurance Quotes, Plans, and Company Review

When looking for health insurance it is very important to keep in mind that there are many companies out there that will try offering you the best prices for your needs. However, not all of them are known all around the United States and not all of them offer you the same benefits. One of the many companies offering coverage in the continental United States is Private Health Care Systems best known as PHCS. They are the primary national PPO network and care management product of the company MultiPlan.

Before talking about PHSC it’s important to know a little bit more about the parent company. MultiPlan was founded in 1970 and is the oldest and largest of independent, network-based cost management solutions. They have more than half a million health care providers that service an estimated 40 million consumers. To top it all of the estimated millions of consumers have about 70 million claims that are processed through MultiPlan’s networks each year. How about that for a health insurance option?

On the other hand Private Health Care Systems (Owned by MultiPlan as said before) has the largest proprietary preferred provider (PPO) organization in all the United States. With about 450,000 members attending one of the 4,000 facilities PHCS members have access to a variety of providers around the United States. They are also the first and only propriety network to earn five endorsements due to quality from two nationally recognized quality assurance organizations, URAC and the National Committee for Quality Assurance (NCQA).

PHCS’ job is to contact their providers in order for them to allow their network member to visit them at lower costs. The network also has something referred to as a “High network retention rate” which means that once a customer selects a Primary Care Physician (PCP) that doctor will remain available all through their health plan. Most of the people that are members of this great network include large employers such as companies and enterprises, commercial insurance carriers, regional managed cared organizations and third party administrators. The PHCS network offers the following to its members:

National Access with Excellent Cost Savings: No matter where the members are, they offer a variety of services from coast to coast. You can contact them at (866) 750-7427 to see how much they can save you in health care costs.

PHCS Healthy Directions: Eliminates the need of having an HMO, PPO or POS because it pays full charges for services when a member travels or goes to school outside the coverage area. As a member you will be able to have freedom in order for you to choose a provider from within the national network, to lower your out of pocket costs for members with providers in the PHCS Network, and to call a toll free number in your I.D. card for provider information.

Quality: PHCS didn’t just link a variety of little networks and pierce them together, instead they created a national network that allows them to credential and re-credential …

5 Tips To Choose The Right Health Plan

Most employers offer a health insurance plan to their employees. Since health insurance offers a lot of benefits, most employees opt for it to enjoy the medical benefits. Here are a few things that may help you choose the right health plan.

Out-of-pocket Costs

Nowadays, unlike the past, you can’t sign up for a plan that will cover all of your out-of-pocket costs. Even if you go for the H.M.O plans, you will get the coverage only if you meet a certain deductible.

A high-deductible plan can’t be defined specifically, but it’s a plan that comes with a savings account and a deductible of a minimum of $1,300 or $2,600 for an individual and a family respectively. Aside from this, there are different deductibles that cover your hospital stay, prescriptions or emergency visits.

Moreover, the Affordable Care Act defines how much you will have to pay from your own pocket.

Savings

Based on your paperwork of previous years, you can get a good idea of how much you will have to spend in a medical emergency. For instance, if you can’t afford to pay for minor medical emergencies, a high-deductible plan may not be a good choice for you. In such a situation, you may have to pay for an MRI, or a blood test.

Aside from this, you should think about a health savings account, which may help you offset your out-of-pocket costs. In these accounts, tax-free funds are accumulated. This money will help you in a rainy day. If you are lucky, you may pitch in up to $1000 in your account.

Find out What is Covered

It’s a good idea to figure out the costs that are covered. You won’t have to pay anything from your pocket to bear these costs. The insurance plan will cover costs, such as colonoscopy costs or a flu shot. If you don’t know whether these costs are covered, you should get in touch with the insurance provider.

Save Money

Nowadays, companies are offering quality telemedicine services. These services are included in the health plan or they are offered as an additional benefit. As a matter of fact, these consultations may be a great alternative to an expensive visit to a local doctor or hospital. So, you are going to save a great deal of money down the road. You don’t know when you are going to have a medical emergency.

Be Smart

If you are going to consider a high-deductible plan, make sure you become a smart shopper. This is because your own money will be at stake. If you do some comparisons, you can save a lot as some insurance plans may provide more coverage than the other. Therefore, it’s better to shop around before signing up for a plan.

It won’t be possible to get a definite answer about what a medical emergency going to cost you. Yet, you can find a lot of insurance providers that offer tools on their websites. With these tools, you can find a …

Cosmetic Veneers

What are veneers?

Veneers are wafer thin, custom made porcelain shells designed to cover the front of your teeth to improve their appearance; Changing the color, size, shape and / or length. Porcelain veneers are metal free, resist stains and mimic the light reflecting properties of natural teeth.

Why would you have dental veneers?

Dental veneers fix discolored teeth, worn down, chipped, broken teeth, misaligned teeth and teeth with gaps.

What is the procedure for dental veneers?

Usually dental veneers can be completed within three trips to the dentist. The first appointment consists of diagnosis and treatment planning. Here the patient explains what look they are trying to achieve and the dentist will examine the teeth to see if veneers are the most appropriate form of treatment, discussing exactly what the treatment will involve along with any limitations.

The next appointment will be to prepare the tooth / teeth for the veneers. The dentist will remove approximately half a millimetre of enamel from the tooth surface. Next the dentist will make a model or impression of your tooth which will be sent to a dental laboratory who will build the veneer. The dental laboratory process usually takes up to 2 weeks.

The final stage is bonding. Before the veneer is permanently attached to your tooth the dentist will fix it temporarily to examine the color and fit. The veneer will eventually be cemented to the tooth and the dentist will evaluate your bite making any final adjustments necessary.

What are the advantages of dental veneers?

Veneers provide the appearance of natural teeth,
Gum tissue tolerates porcelain well,
Veneers are stain resistant,
Dark teeth can appear whiter,

Veneers do not require the intensive shaping that crowns do.

What are the disadvantages of dental veneers?

The process is not reversible
Veneers cost more than composite resin bonding
Veneers are not repairable if they chip or crack.
Your teeth could become more sensitive to hot and cold food and drinks
Veneers may not exactly match your other teeth and once in place can not be altered
Although not common, veneers can dislodge and fall off so avoid biting your nails, chewing on pencils and ice.
Veneers are not appropriate for those with unhealthy teeth eg decay or gum disease
Veneers are not appropriate for those who grind their teeth as it can cause the veneers to crack or chip.

How long do veneers last?

Generally between five and ten years

Do veneers require any special care?

No, as long as you follow good oral hygiene such as brushing and flossing daily. It is recommended to avoid stain causing food and drink such as red wine and coffee.

Are there alternatives to dental veneers?

Alternatives include composite bonding and crowns as veneers are better suited to those who want to change the shape of their teeth more than just slightly. Other methods include the following:

ADULT ORTHODONTICS

Invisible Braces:

Another way to achieve a great looking confident smile is with Clearstep Invisible braces. These …