3 Questions You Need to Ask About Your Plan CRASH COURSE: Health Insurance
Last December, a new tax plan was introduced and approved by Congress. The tax plan changed some elements of the Affordable Care Act, like removing the individual mandate. However, this doesn’t mean Americans no longer need health insurance. At some point in time, we will all need health care, and it’s important to be prepared for that time. A study from Harvard University found that 62 percent of all personal bankruptcies are the result of excessive medical expenses. The right health insurance can help alleviate these burdens. Here are three questions you should ask when planning for your health care needs.
identity the co-pay price on any treatment plans you or anyone else on your plan are likely to need.
Who’s in your network?
The last thing you want is to sign up for a new plan and learn that it does not cover the specialist you have been seeing for years. Familiarize yourself with the network guidelines and learn what doctors you can and cannot go to. Some plans will penalize you for seeing health care providers outside your plan. Find out if your prospective plan is PPO or HMO, and learn the difference.
Has anything changed in the last year?
prescriptions won’t be covered anymore, then it may no longer be the plan for you.
How much will health insurance cost?
Once you find a plan that works for you, or if you’re already in one, remember this isn’t the end of the line. When open enrollment rolls around, you’ll want to review your plan again. Health insurance plans change, and if your premiums suddenly go up or your
The monthly premium isn’t the only price tag you should look at. Pay attention to the deductibles and copays. Additionally, you want to look at the plan summary and
There is no easy answer to the problem of health care. The best we can do is play it smart, plan ahead, and make sure ourselves and our loved ones are covered by the best possible plan.
Hong Kong EGG TARTS Recipe of the Month
Bible Verse “If I have the gift of prophecy and can fathom all mysteries and all knowledge, and if I have a faith that can move mountains, but do not have love, I am nothing.” 1 Corinthians 13:2
Celebrate Chinese New Year in style with these egg tarts! Originally a Portuguese delicacy, these marketplace treats were influenced by British custard tarts and eventually became a Hong Kong staple.
Ingredients • 1 cup confectioners’ sugar • 3 cups all-purpose flour • 1 cup butter • 10 eggs, beaten Instructions 1. In a medium bowl, mix
• Vanilla extract • 2/3 cup white sugar • 1 1/2 cups water • 1 cup evaporated milk
water; bring to a boil. Simmer until sugar is dissolved, then let cool. Strain remaining 9 eggs through a sieve, then whisk in sugar mixture. Stir in evaporated milk and a dash of vanilla. Strain the mixture again and fill tart shells. 3. Bake 15–20 minutes, until golden brown.
confectioners’ sugar and flour. Mix in butter with a fork until crumbly. Stir in 1 beaten egg and a dash of vanilla until doughy. Shape dough into 1 1/2-inch balls and press into tart molds. Use 2 fingers to fold down edges of dough. 2. Heat oven to 450 F. In a medium saucepan, combine white sugar and
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(Recipe inspired by AllRecipes.com.)
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