Things to Look for When Choosing Your Health Insurance

Choosing a health insurance plan may seem overwhelming, but HHM Health is here to help. Insurance companies use confusing terms regarding healthcare and selecting a plan forces you to think hard about your health and finances. Whether you are aging out of your parent’s plan, in a plan that no longer works for you or you’re uninsured and want to see available options, we have plenty of advice and tips to ensure you can find the right healthcare plan. 

  1. Know Where to Go

It’s not always obvious where to look for health insurance, as the United States has hundreds of programs available.

If you are 65 or older, you are eligible for Medicare. Medicare is a federally run program that involves the government paying for most of your health care. If you have a disability, you might also be eligible to receive Medicare. For those under 65, the vast majority will have health insurance options through their employer, who will typically cover between 50% and 90% of premium costs. 

Medicaid is another health insurance option. Medicaid is a health insurance program that mostly helps people with low incomes. It covers almost one in four Americans. This program is funded by federal and state governments but is run by each state, so where you live determines your eligibility. If you don’t know how to enroll in Medicaid and want to be seen at one of our clinics, HHM Health has an enrollment team that can help you. 

For anyone else, Healthcare.gov is your one-stop shop for health insurance, which the Affordable Care Act created. This is where you can shop for health insurance if any of the categories mentioned above do not apply to you. In this marketplace, you can apply for financial help depending on your income and choose a plan. 

  1. Think About Your Health

If you are overwhelmed by the options available to you, especially in the Affordable Care Act marketplace, it’s best to think about your health and what applies to you. Basic questions can help narrow this search down. For instance, do you have an ongoing health issue you will need care for?  

If you are healthy, a variety of plans might work for you. However, if your spouse or child has ongoing health needs, having more information can help narrow your choices to the health insurance that best suits your needs. You may even be able to enter medications and doctor’s names to filter out plans that do not cover them. 

There are two major types of plans to consider: HMOs and PPOs. Health Maintenance Organizations have a strict network of providers, so if you choose to see a provider outside of the network, all costs are on you. Preferred Organizations give you a more comprehensive range of providers. Even though it costs a bit more, it still pays for some of the costs. 

  1. Beware of Too-Good-To-Be-True Plans Online

The internet has proven to be a scary place as more and more scams have arisen online. It is important not to put your contact information in health insurance interest forms on random websites or click on online ads for insurance. 

Plans that appear on Google seem appealing due to their low cost, but tend to be short-term plans that do not cover basic prescriptions or annual check-ups. Experts advise going straight to Healthcare.gov because, no matter where you live or your financial status, you can go through the portal and find healthcare options that will work for you. Any plan found through Healthcare.gov will cover essential benefits, including preventative care and hospital coverage. 

HHM Health is a non-profit community health facility that offers compassionate, excellent healthcare that is easily accessible. We provide services to the Dallas, Texas area, which also happens to be the country’s most uninsured county. We welcome you to contact our center if you live in the Dallas neighborhood and need our services.

To find out more, go to www.hhmhealth.org now.

Why You Should Get Annual Dental Check Ups

You brush twice a day, use mouthwash, and floss regularly. So, is it really necessary to keep up with your dentist’s appointments and receive regular cleanings? 

The answer is yes, as it ultimately comes down to preventing issues from arising. According to the American Dental Association, the mouth is a window into the entire body’s health. Gum disease is often linked to diabetes, cardiovascular disease, and more!

Here are some advantages to having regular dental check-ups: 

  1. Preventative Care

The best way to prevent health issues like gum disease, cavities, or oral cancer is to schedule regular dental check-ups every six months. 

According to the Centers for Disease Control and Prevention, 1 in 2 adults over thirty years of age have periodontitis, a more advanced form of periodontal disease. Your gums provide clues that allow dentists to examine for abnormalities that may point to gum disease, which has the ability to spread to other body organs. This is one of the primary reasons dentists recommend annual comprehensive periodontal evaluations for optimum health. 

Your dentist can examine and identify cavities as another potential problem before they become more serious. Not all cavities have pain, allowing them to progress into a severe infection that can enter the bloodstream after attacking the enamel on your teeth and the soft tissue underneath. 

Did you know that once plaque forms tartar, it cannot be removed with brushing and flossing alone? Dentists are the only ones properly equipped with the tools to successfully remove the tartar on your teeth without permanently damaging the enamel on your teeth. If tartar continues to build up, it can lead to gum disease. Therefore, early prevention is vital. 

  1. Increased Self-Esteem

Nothing beats the great feeling of having clean teeth after leaving the dentist’s office. Clean teeth have been proven to increase the tendency of one to smile, which releases endorphins in the brain that make you happier. People also love those who smile. Smiling promotes friendliness and a pleasing attitude. So, dental appointments can improve you mentally, socially, and physically. 

  1. Financial Benefits

When you have proper oral hygiene, you end up saving money in the long run. According to the American Academy of Implant Dentistry, the average cost for a single tooth implant can be $3,000 to $4,500, with full-mouth implants costing around $20,000. By scheduling regular appointments with your dentist, you can learn good oral habits and promote oral hygiene that will be beneficial in the long run. Regular dentist visits can diagnose and prevent cavities, gum disease, oral cancer and oral surgery can be diagnosed and prevented with regular dentist visits, preventing expenses from piling up in the future. 

If you are in need of a dental check-up, let the staff at HHM Health help you. We have a team of dentists ready to serve you and provide dental check-ups for you. For more information, please contact HHM Health today to visit one of our clinics