{"id":3869,"date":"2015-02-09T13:41:18","date_gmt":"2015-02-09T20:41:18","guid":{"rendered":"https:\/\/americanretirementadvisors.com\/?p=3869"},"modified":"2015-02-09T15:26:01","modified_gmt":"2015-02-09T22:26:01","slug":"healthcare-decision-making-side","status":"publish","type":"post","link":"https:\/\/americanretirementadvisors.com\/healthcare-decision-making-side\/","title":{"rendered":"Healthcare Decision Making Is Up Side Down!"},"content":{"rendered":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-3869-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-Healcare-decision-making-upside-down.mp3?_=1\" \/><a href=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-Healcare-decision-making-upside-down.mp3\">https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-Healcare-decision-making-upside-down.mp3<\/a><\/audio>\n<h1>American Retirement Advisors Turns Healthcare Decision Making Right Side Up!<\/h1>\n<p>By David S. Edge and David P. Schaeffer, American Retirement Advisors<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/Outdated-HEALTHCARE-Selection-Method.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-3875\" src=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/Outdated-HEALTHCARE-Selection-Method-1016x1024.jpg\" alt=\"Outdated HEALTHCARE Selection Method\" width=\"477\" height=\"481\" srcset=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/Outdated-HEALTHCARE-Selection-Method-1016x1024.jpg 1016w, https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/Outdated-HEALTHCARE-Selection-Method-150x150.jpg 150w, https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/Outdated-HEALTHCARE-Selection-Method-298x300.jpg 298w, https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/Outdated-HEALTHCARE-Selection-Method-72x72.jpg 72w, https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/Outdated-HEALTHCARE-Selection-Method.jpg 1080w\" sizes=\"(max-width: 477px) 100vw, 477px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>When choosing healthcare most folks choose a brand they are familiar with from their previous employment or personal experience from prior years. You have become \u201cBrand Loyal\u201d because the plan you had worked for you and you were satisfied. You liked your doctor, labs and specialist and the co-pays for Drugs weren\u2019t all that expensive.\u00a0 Now you have to pick a Healthcare plan to start over and where do most shoppers go? To the Brand they know!\u00a0 So you pick a Brand you\u2019re familiar with, a Plan, Network, and hope they have good Physician and prescription co-pays. What you\u2019re selecting based on this process is \u201cI hope so\u201d healthcare when it should be \u201cI Know So\u201d healthcare.\u00a0 Instead of having a warm fuzzy for a brand you\u2019ve used in the past, what you need to be doing is hard research for a \u201cFact Based Decision\u201d. Most Employer plans are a version of what a Brand has to offer based on what the employer wants to pay for employee healthcare. This is why two employer plans can have the same name brand but the plans co-pays will be much different.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-3871\" src=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-HEALTHCARE-Selection-Method-1024x926.jpg\" alt=\"ARA HEALTHCARE Selection Method\" width=\"494\" height=\"447\" srcset=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-HEALTHCARE-Selection-Method-1024x926.jpg 1024w, https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-HEALTHCARE-Selection-Method-300x271.jpg 300w, https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2015\/02\/ARA-HEALTHCARE-Selection-Method.jpg 1181w\" sizes=\"(max-width: 494px) 100vw, 494px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>By using the American Retirement Advisors method you start your search with your Doctor\u2019s and Hospital you want to keep and use. Then as you narrow your search to the handful of networks and plans your Doctor and Hospital are participating with, lay in your prescription drug needs and discover exactly what your co-pays will be on those plans. As you narrow your choices to a plan then look for the \u201cBrand\u201d of that specific plan.\u00a0 As you narrow your search from dozens of plans to the 2 or 3 that have your Doctor, Hospital and Drugs on their formulary, you\u2019ll have other things to consider. Many times these items to consider will be costs associated with co-pays and deductibles on Doctor and Specialist visits, labs, diagnostics, X-Rays, and other medical services. These costs should also include a monthly premium if any, and a Maximum out of pocket dollar amount which would be the maximum total of co-pays you would be responsible for paying in an entire calendar year.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>American Retirement Advisors Turns Healthcare Decision Making Right Side Up! By David S. Edge and David P. Schaeffer, American Retirement Advisors &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; When choosing healthcare most folks choose a brand they are familiar with from their previous employment or personal experience [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3871,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[10,51],"tags":[],"class_list":["post-3869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medicare","category-prescription"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>American Retirement Advisors 800-568-1095 Expert Advice<\/title>\n<meta name=\"description\" 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