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Welcome to the LMC Blog

COVID-19's impact on health savings accounts

5/13/2020

 
COVID-19 impact on HSAs
​The coronavirus (COVID-19) pandemic has had far-reaching effects on all aspects of business and society—including health savings accounts (HSAs). The federal government has enacted legislation designed to provide relief during the COVID-19 pandemic, and these laws have created changes to HSAs. 
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What the coronavirus could mean for healthcare costs

5/6/2020

 
Health care costs and coronavirus
The insurance marketplace hinges on uncertainty. Costs are determined by how likely an event is to happen. If something is known, it can be planned (and budgeted) for. That’s what makes the coronavirus pandemic so unsettling: No one knows what will happen.
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Different models predict different numbers of people getting infected with the coronavirus in the coming months. As the models show, more infections will mean higher health care costs overall. This article will identify critical areas to monitor and discuss the implications for health care marketplace costs.
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FSAs, HSAs can now be used for non-prescription medications

4/28/2020

 
FSAs and HSAs
The recently enacted $2 trillion stimulus law aimed at providing financial assistance during the coronavirus outbreak also includes a key change on how health savings accounts and flexible spending accounts can be used. 
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Substance-abuse benefits under the Affordable Care Act

2/24/2020

 
Substance abuse
One less-touted aspect of the Affordable Care Act is that it provides employers more tools for assisting employees with substance-abuse problems to seek help.

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What are health advocacy services?

12/9/2019

 
Health Advocacy Services | LMC Insurance
Health care can be confusing. Between copays, eligible expenses and dense coverage policies, sometimes it feels like you need a master’s degree just to understand your hospital bill. And with high deductible health plans gaining popularity each year, it’s critical that employees understand what their health decisions are costing them. This is where health advocacy services—sometimes called patient advocacy—can help.

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What are the benefits of telemedicine?

9/9/2019

 
Benefits of Telemedicine
As technology has developed, so has people’s ability to overcome the traditional communication barriers of time and distance. Using telecommunication to bridge the gap of time, distance, and affordability is a step forward in the health care industry, reaching patients in need of medical attention.
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Critical Illness Insurance provides vital protection to employees

5/20/2019

 
Critical Illness Insurance provides vital protection to employees
The typical family's income slips by more than $12,000 in the year after a breadwinner suffers a critical illness such as a heart attack, stroke or cancer, according to a study by Metropolitan Life Insurance Company.
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Improving your well-being may help lower your health costs

5/15/2019

 
Improving your well-being may help lower your health care costs
Health care costs continue to rise, and it can feel as though there is nothing you can do to combat the expenses—but there is. Taking control of your overall well-being can lower your health care costs.
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Long-term care options broaden over time

4/22/2019

 
Long-term care options broaden over time
Long-term care covers a variety of custodial (unskilled or semi-skilled) types of care.  Although nursing homes are still part of the long-term care equation, there are many other options to consider:
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  • Home health care
  • Community-based care
  • Assisted living facilities
  • Adult day care
  • Respite care
  • Hospice care

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HDHP enrollees more likely to consider costs and quality

2/27/2019

 
HDHP Enrollees More Likely to Consider Costs and Quality
​A new study has found that people enrolled in high-deductible health plans (HDHPs) are more likely to consider costs and quality when considering non-emergency care.
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