Health Insurance Info

Health insurance is a contract between you and your insurance company. You buy a plan and the company agrees to pay part of your medical costs when you get sick or hurt.

5 Things to Know About Health Insurance

1. There are many kinds of private health insurance policies. Different kinds of policies can offer very different kinds of benefits, and some can limit which doctors, hospitals or other providers you can use.
2. You may have to pay coinsurance or a co-payment as your share of the cost when you get a medical service like a doctor's visit, hospital outpatient visit or a prescription. Coinsurance is usually a percentage amount (for example, 20 percent of the total cost). A co-payment is usually a fixed amount (for example, you might pay $10 or $20 for a prescription or doctor appointment).
3. You may have to pay a deductible each plan year before your insurance company starts to pay for your care. For example, if you go to the emergency room and the total cost is $1,250, you will pay the first $200 if your deductible is $200. Once you pay the $200, your insurance will begin to pay its share.
4. Health insurance plans contract with networks of hospitals, doctors, pharmacies and health care providers to take care of people in the plan. Depending on the type of policy you buy, your plan may only pay for your care when you get it from a provider in the plan's network. If you see a provider outside of the plan's network, you may have to pay a bigger share of the bill.
5. You may see products that look and sound like health insurance but don't give you the same protection as full health insurance. Some examples include policies that only cover certain diseases, policies that only cover you if you're hurt in an accident, or plans that offer you discounts on health services. Don't mistake products that look like insurance for full comprehensive insurance protection.

No one plans to get sick or hurt, but most people need medical care at some point. Did you know the average cost of a three-day hospital stay is $30,000 or that fixing a broken leg can cost up to $7,500? Health coverage helps pay for these costs and protects you from high, unexpected costs like these.

Many plans also provide free preventive care like vaccines and checkups and cover some costs for prescription drugs. Your insurance policy or summary of benefits and coverage will show what types of care, treatments and services are covered, including how much the insurance company will pay for different treatments in different situations.

We take most major insurances including:

• Aetna
• Aetna Medicare
• AARP
• Blue Cross Blue Shield
• Cigna
• First Health
• Florida Health Care Plans
• Florida Health Care Plans Medicare
• Humana
• Medicare Part B
• Medicare Railroad
• MultiPlan
• United Healthcare

We do NOT take Medicaid or Medicaid plans.

You'll usually pay a premium every month for health coverage. You may also have to meet a deductible once each year before the insurance company starts to pay its share. How much you pay for your premium and deductible is based on the type of coverage you have.

If you have insurance, look at the back of your card for the phone number. They can ensure you will be covered by expenses bill from Mission Family Medicine by giving them them the name of the physician, our practice name and address:

Mission Family Medicine

1785 Garden Street

Titusville, FL  32796

For more information about how insurance works, please visit HealthCare.gov . You can also call the Marketplace Call Center  at 1-800-318-2596. Teletypewriter (TTY) users should call 1-855-889-4325.

Yes we can!

In order to allow for more pricing transparency, we feel it is necessary to clarify wellness care. We want you to receive wellness-care-health care assessments that may lower your risk of illness or injury. Medicare pays for some wellness care, but it does not pay for all the wellness care you may need. We want you to know about your Medicare benefits and maximize their usefulness. The term “physical” is often used to describe wellness care. However, Medicare does not pay for traditional, head to toe physical. Medicare does pay for a wellness visit once a year to identify health risks and to help you reduce them.

The Medicare Wellness Visit includes the following assessments:
-Screening to detect depression, risk of falling, cognitive, and other problems.
-A limited physical exam to check your blood pressure, weight, and other things depending on your age, gender and level of activity. However, we will be performing a full exam as we feel that it is important to be diligent and thorough in your care.
-Recommendations for other wellness services and healthy lifestyles changes.

A wellness visit does not allow time to address new or existing health problems properly. These would qualify as separate services and require a longer appointment. Please let our scheduling staff know if you need the physician’s help with a health problem or more pressing concerns than the wellness visit. We may need to schedule a separate appointment to complete the wellness at a later date. If performed, a separate charge applies to these services. We hope that this helps clarify your Medicare wellness benefits.