Many times when people obtain insurance for themselves they understand what they are purchasing and know which insurance they are going to use for primary or secondary coverage. So there is no mistake or confusion when they apporach the front desk in a physician's office for the first time or after they have obtained new cards to hand to you regarding their insurance information.
Truthfully, I despise insurance cards. I hate looking at them and having to make them a part of a personal file. Yes, it is good patient conduct to bring your insurance cards so that the front desk has all the information they need so that the physicians can be properly reimbursed and so on and what not with all of the other requests that the insurance card is needed for in order to obtain the necessary information from. Or how about no insurance card, no visit? What I really want is for the government to release a health insurance information USB flash drive. By using technology one can quickly import the information into the EMR file as a PDF. Because, the information on the health insurance information USB flash drive is fixed as PDF that contains all of the patients insurance information including the ID number, eligibility, benefits, coverage, and pharmacy, also including copay and deductible information. That information from the health insurance information USB flash drive can be transfered over to any EMR file or chart. All that is needed is a USB transfer cable to connect to a USB port of a computer.
Now, in discussion about insurance cards, there needs to be some understanding about primary and secondary information. Medicare provides just the one card that lists the Medicare A and Medicare B coverage that correspondes to hospital or medical but Medicare has somewhat neglected to understand that older people become confused by having more than just one card to deal with. In the instance of Medicare, you need a supplement because Medicare only covers 80%. So now you make a haze of a situation because an elderly person comes to a physicians office with more than one insurance card because they are on Medicare. So now the confusion is which is their primary and secondary and who do they use for prescription durg coverage.
Medicare and other insurance companies needs to make information visually noticeable and handy for the elderly. What insurers need to do is to combine the primary and secondary insurance cards together so that they are presented to the front desk as one card with all of the information on it that will enable 100% coverage for a visit.
Jane Double has Medicare as her primary insurance and Empire BC/BS as her secondary. She has notified Medicare of her secondary coverage. She now has been issued a new insurance card with identification numbers for the year of coverage indicated and the new insurance card has Medicare plans A and B listed as primary along with the secondary coverage of Empire BC/BS. The back of the card lists the contact information for both insurance companies and includes the prescription drug company used and their contact information.
Dick Dart has a United Healthcare senior plan as his primary and he has decided to use Medicare as his secondary. He has also notified Medicare of his insurance decisions. He now has been issued a new insurance card with identification numbers for the year of coverage indicated and the new insurance card has the United Healthcare senior plan listed as primary along with the secondary coverage of Medicare A and B. The back of the card lists contact information for both insurance companies and also including information regarding prescription drug coverage.
There are other plans available that one can use instead of Medicare and AARP(secondary), but this is just an example if one chooses to use Medicare for either primary or secondary.
Wow, this is handy information that is readily accessible. All that may be needed is a magnifier for some to see the fine print. The ease in obtaining information this way is useful and it will prevent staff from arching over each time to use a copier or other device to input information.