New Year, New Coverage: Maximizing Your Health in 2024!

Greetings for a beautiful 2024,

As we welcome the new year and journey through the complex landscape of rising health insurance costs, our focus must transcend the mere treatment of illness to encompass the promotion of the way for healing and well-being. Looking back on 2023 and gazing ahead to 2024, it has become evident that our collective actions can effectuate profound change.

This path calls for us to address the soaring care costs as a united force. Each of us plays a crucial role in shaping the year ahead. Failing to act will lead to even steeper expenses and limited options. It is incumbent upon us to embrace: 

☑️ compassion

☑️ understanding

☑️ integrity

☑️ wisdom....

 ... to drive positive change.

The recent culmination of the 2024 year of coverage's initial major deadline has underscored the burdensome nature of our current healthcare cost system. It has laid bare the struggles of middle-class families in affording the average premium, emphasizing the situation's urgency.

Let us draw upon our inner strength and take proactive steps to educate ourselves, paving the way for a future where healthcare is genuinely accessible.

As we approach the final deadline of January 31, 2024, let us acknowledge the financial burden and hardships of paying for healthcare out of our pockets. By working together to confront these issues with grace and determination, we can create a more equitable healthcare system that benefits everyone. Let us draw upon our inner strength and take proactive steps to educate ourselves, paving the way for a future where healthcare is genuinely accessible.

It's no secret that healthcare costs are exorbitant, and it's high time we addressed this as a united force. The term "COST" has been repeated too often, and it doesn't reflect the unbearable monthly insurance premiums we pay or the substantial out-of-pocket expenses we incur when we require medical services. The recent deadline for the 2024 year of coverage has highlighted the need for us to take proactive steps to educate ourselves and create a future where healthcare is accessible to all. By verifying and comprehending the cost of care before seeking medical services, we can make informed decisions and pursue affordable healthcare options that align with our financial well-being.

Verifying and comprehending the cost of care before seeking services, regardless of your chosen plan, becomes an act of spiritual empowerment. Educating oneself about these costs is a transformative step, enabling individuals to pursue more affordable healthcare facilities. Armed with this knowledge, we can make informed decisions that honor our financial well-being, infusing our actions with compassion and solidarity.

In unity and many blessings,

Naama & the RIghtPlan Team

♥️

Employers

After the main open enrollment period for January 1st., having meaningful conversations with our health insurance provider and employer benefits group is important. Here are some ways to navigate the new year's plans with care:

✔️ Coverage Review: Request a comprehensive review of your current coverage to understand any changes and updates for the new year. Your well-being is our priority, and we want you to feel informed about your benefits and coverage.

✔️ Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): Let's discuss how to make the most of FSAs and HSAs for the upcoming year. Your financial well-being matters, and we'll guide you through contribution limits, eligible expenses, and rollover options.

✔️ Wellness Programs: Inquire about new wellness programs or initiatives for the new year. We're here to support your holistic well-being, whether it's fitness incentives, mental health care, or preventative services.

✔️ Telemedicine and Virtual Care: Understand the availability and coverage of telemedicine services. Your convenience and health are important to us, and knowing your virtual care options is essential today.

✔️ Prescription Drug Coverage: Review any changes to the prescription drug formulary, copays, or preferred pharmacy networks. Your access to essential medications is a top priority, and we aim to ensure continued coverage under the plan.

✔️ Preventative Care Services: Learn about any updates to preventative care coverage, including vaccinations, screenings, and annual check-ups. We want to ensure you have access to essential preventative care benefits for your overall health and well-being.

Let us know how we can help you navigate your benefits with confidence.

Individual & Family/Covered CA

As the main individual & Family market enrollment period ends, we wanted to remind you to review your health insurance options for the last time for 2024.

Double-check that you have the best possible cost and access to benefits, especially since January 31, 2024, is the last opportunity to make changes in the open market.

Please confirm your payment for January and make sure you are up to date with your payments.

Factors you should consider while making the decision include cost, coverage options, a network of providers, prescription drug coverage, customer service, and support, the reputation of the insurance company, flexibility and customization, and online tools and resources. If you have any questions or need more help, please don't hesitate to contact us.

Medicare

We want to share ways to help you maintain and expand your Medicare policy opportunities. These include providing access to quality care, specialized
services, and innovative treatments. It's also important to highlight policy advancements that aim to improve healthcare outcomes and showcase the use of
cutting-edge technology in healthcare delivery. Please make sure to learn and educate yourself about these opportunities.

Collaborative care models that promote interdisciplinary collaboration and holistic approaches to your care are also emerging, and we want to shed
light on these exciting opportunities within the Medicare program.

Please remember that Medicare does not cover medical services obtained outside the United States. You must get additional health insurance with international coverage before you travel to ensure you have access to necessary medical care and financial protection during your trip.

Important New Changes to Improve Access to Behavioral Health in Medicare

To find out more click here

Martin Luther King Jr. Day

We celebrated Martin Luther King Jr. Day this week.

"Of all the forms of inequality, injustice in healthcare is the most shocking and inhumane."

🌍💙🏥Just saying... this quote is one of the most powerful quotes by Martin Luther King Jr.

I manifest to honor Martin Luther King Jr.'s legacy by striving for positive change in global healthcare and healing. Together, we can advocate for healthcare inclusivity and justice, inspire hope and unity, strive for positive access to quality care, and embrace a collective commitment to healing and well-being.

Join me in shaping a more equitable and compassionate world.

Updates

Insulin costs are now capped for more Americans.

To find out more read here

What we are reading

Read the “The Art of War" by Sun Tzu which is an ancient Chinese text that offers timeless insights into strategy, leadership, and conflict resolution, making it a revered resource for those seeking peace and wisdom in various aspects of life.

You don't need to be sick to take care of your health

Turmeric Milk (Golden Milk): Warm milk with turmeric, ginger, and honey to strengthen the immune system as a prevention:

- Anti-inflammatory properties
- Immune-boosting effects
- Respiratory health support
- Antioxidant support
- Soothing effects

By incorporating turmeric milk into your winter routine, you can use these benefits to strengthen your immune system and reduce the risk of colds and flu.

Speaking Tree Corner

“Compassion serves as our greatest strength, as it is inherently natural to us.” -Naama

Travel

 A new year means new travel opportunities and as we embark on our travels outside the US, remember that our health is our most valuable asset.

- Ensure proper health insurance coverage before departure to protect ourselves and our loved ones.
- With the right coverage, we can rest easy and fully enjoy our journey

Click here to make sure you get travel insurance before you fly out!!!

Safe and peaceful travel,

From Naama, and the RightPlan team 💙