Gunther Insurance Agency

An average telehealth visit costs about $79, compared with about $146 for an office visit, according to a research paper published in May. But while telehealth could increase access and potentially replace an expensive urgent care visit with a virtual assessment, these appointments typically led to additional medical use, the researchers found. Only about 12% of telemedicine visits completely replaced an in-person provider visit, which could increase out-of-pocket costs overall.

Annual Open Enrollment begins today! This is your opportunity to make changes to your Medicare plan. Give us a call today! 760-352-2860

https://www.suzeorman.com//Long-Term-Care-Insurance-Still-

Life insurance; don’t leave without it.

The star rating system is a simple guide to understand the overall quality of your healthcare plan. This one is very poorly rated and you should be very concerned about it. An informed decision is wise when understanding your healthcare options.

This year has been stressful for everyone! We all come to realize how fragile our personal economic system has become. In order to avoid financial damage in the future it is time to start building equity. How do you do that? Life insurance! Give us a call today and let’s talk about the options.

Employers and private insurers paid hospitals, on average, 247% of what Medicare paid for the same services in 2018, per a new RAND study. Why it matters: We all pay for this giant gap in prices through our premiums and lost wages. The big picture: The price gap has been growing, with private insurers paying hospitals 224% of Medicare rates in 2016 and 230% in 2017. In 2018, prices were 267% of Medicare for outpatient services and 231% for inpatient services.... Between the lines: Prices varied drastically by location and by health system. Some states, including New York and Florida, paid more than 300% of Medicare rates, on average. The most expensive system, John Muir Health, had prices that were 401.5% of Medicare. Sutter Health, which has settled a lawsuit brought by the state of California accusing the hospital system of price-gouging, was paid 326.6% of Medicare. HCA Healthcare, one of the largest hospital systems, had prices that were 275.8% of Medicare. Community Health Network, another large health system that has continued to sue patients in coronavirus hotspots, was paid 260% of Medicare rates. The other side: Hospitals have long argued that private insurance subsidizes inadequate government payment rates and that they must charge privately insured patients more to make ends meet. The bottom line: Hospitals make up the largest portion of overall health care spending. The pandemic may have momentarily distracted us from health care costs, but they're still high, and the pandemic's economic fallout has only made them more unaffordable for many Americans.

It’s National Suicide Awareness week. Stay involved.

Take time with the Lord today...

Losing a job can be hard. Finding new health coverage doesn’t need to be. Learn about your options. Get the help you need. All in one place.

La familia es muy importante mantegamos la armonia hasta en momentos dificiles.