Checking in with HealthEE Support

As you know, our HealthEE support team is HealthEE by HBG’s friendly and accessible resource for answering any and all healthcare-related questions. January is a hectic month, we have many new members onboarding and calling with questions, so I checked in with the team to see what patterns they are noticing.
One wholesome trend we see is family members calling on behalf of loved ones like parents and significant others. It is incredibly touching to see family members discussing their loved one’s options and seeking the best plan for their needs.
Following the holidays, many callers have been looking for general plan overviews and in-network inquiries. Our team has found that the best way to clarify the difference from plan to plan comes down to the correlation between cost and coverage.
The feedback we have been receiving from callers is the general consensus that our members love the flexibility HealthEE by HBG healthcare plans offer.

HealthEE by HBG Support

We’ve all been trapped in a loop of “press 3 if you’d like to speak with a service provider” and “stay on hold for the next available representative.” With each awful hold song, you get more and more frustrated just to have a real person at the end speak as if they were a robot themselves and just want you to purchase whatever it is they are selling- whether or not it’s the right option for you.

That is not the HealthEE by HBG way. When you call 888-655-4053 or schedule an appointment online, you are speaking with the real people who make up the HealthEE by HBG support team. No premeditated scripts or robot voices telling you to repeat your name and date of birth over and over, just a conversation.
Personal, friendly and focused on finding the best solution for you, that’s HealthEE by HBG.
Schedule a free call here to discuss your benefit needs with the HealthEE by HBG support team today!

Pumpkin banana muffins

In recent years pumpkin spice and consequently pumpkins as a flavor in general have gotten the short end of the stick. Dubbed “basic” by many I thought it was high time we reclaimed the goodness that is pumpkin but this time with a twist. If you’re anything like me you have bananas staring down at you from wherever they are kept in your home, mine are above my fridge just begging to be used. So pumpkin-banana muffins it is! I found the perfect recipe so you don’t have to, all you have to do is bake!

 Not that I needed a reason to love pumpkins anymore than I already do but for my non-believers there are actually several health benefits to pumpkins. For starters they are rich with Vitamin A, which strengthens your immune system, never a bad thing especially in our current climate. Pumpkins are a great source of fiber and along with a whole slew of other vitamins and minerals is high in vitamin C which can be contributed to faster healing. Read on for the fall-in-a-bite vegan pumpkin banana muffins that will turn even the most anti pumpkin person into a pumpkin lover like the rest of us. 

Ingredients: 

  • 2 overripe bananas, mashed
  • 1/2 cup canned pumpkin puree
  • 1/2 cup brown sugar, packed
  • 1 teaspoon baking soda
  • 1/2 teaspoon baking powder
  • 1/2 teaspoon salt
  • 1 teaspoon cinnamon
  • 1/4 teaspoon nutmeg
  • 1/3 cup vegetable oil
  • 1 teaspoon vanilla extract
  • 1 1/2 cups whole wheat flour

Instructions: 

Step 1: Preheat the oven to 375°F. Prep your muffin pan by Lining it so nothing sticks and set the pan aside.

Step 2: First in your baking bowl add the bananas, pumpkin pure and brown sugar.

Step 3: Now mix together the baking soda, baking powder, salt, cinnamon and nutmeg.

Step 4: Stir in the oil and vanilla extract.

Step 5: While being cautious not to over mix, begin to contribute the flour and gently fold until combined, note the batter is supposed to be thick. 

Step 6: Divide batter into muffin pan equally among the cups.

Step 7: Bake for 18 – 20 minutes.

Step 8: Cool in pan for 10 minutes & enjoy! This recipe makes roughly 12 muffins. 

Enjoy!

Terms to know when it comes to benefits, coverage and insurance.

Part of what makes the Healthcare industry so confusing is all the jargon and terminology. So as our goal is to clear the confusion, we take to our Instagram stories regularly, asking our followers what terms leave them scratching their heads. We do much more than just answering questions on our stories, so if you aren’t already following us, check out @healtheebyhbg on Instagram. We have compiled a few terms and their definitions into one place for those of you looking for clarification. 

Premium is the amount you must pay your insurance company for coverage. This amount is determined based on various factors depending on the type of insurance you purchase. For example, what’s impacting your car insurance premium will be different from your medical insurance. A general rule of thumb for most health-related insurance plans is these five main factors; age, tobacco use, location, type of plan, and the number of people the plan covers. With HealthEE by HBG, you pay this monthly or quarterly.

Prior Authorization, otherwise known as preauthorization and pre certification, is a requirement by health plans for the patient (you) to obtain approval for a health care service or medication before it can be provided. This occurs when the insurer wants to evaluate whether or not the care is medically necessary.  

Policy vs. plans– the insurance policy is the set of rules in place regarding the limits and regulations of your coverage. The insurance plan is the roadmap for your health, considering the policy. In other words, the policy affects what is available within your plan. 

The deductible is the amount you pay before your insurance company steps in. This amount is dwindled by your premium payments. Once you pay the deductible amount through your premium payments or paying for doctor’s visits, your insurance company steps in. A low deductible means your premium prices will be higher, but chances are you will meet your deductible quicker, whereas a high deductible will lower your premium payments. If you don’t go to the doctor, this could be the right choice for you; however, in the case of an emergency, you may be footing the bill on your own.

An IUA or initial uninsurable amount 

An IUA is an amount you pay per a specific medical event before your expenses become sharable. For example, our Common Sense health share plans which can be found here, have IUAs that members are responsible for paying – but have no deductibles.

We could write a novel with how many terms exist within Healthcare and insurance, but we hope these terms bring clarity to your relationship with your coverage. Suppose you have further questions or other phrases you would like clarified. In that case, our Ask Evan advisory team is made up of real people at your disposal to answer questions, provide support, and give you coverage and confidence on your benefit purchasing journey. Click here to schedule a free, noncommittal call with an advisor today.