Financial impact

Health care advances can improve our quality of life—but often at a price. We can face unexpected bills due to coverage gaps, plus nonmedical costs like lost wages add up, too.


Health care reform 

Health care reform Washington National sponsored a detailed yet easy-to-read report, “Countdown to 2014: The Employer’s Survival Guide,” produced by Healthiest Employers. The guide describes ACA mandates that impact employers, with checklists and charts to help readers anticipate changes.

Americans are taking control of the gaps in their health insurance. With supplemental health insurance, they can combat the uncertainty of unexpected, extended and out-of-pocket expenses of basic medical care. Because quality care can be expensive, more families are taking steps to prepare for potentially devastating circumstances.

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Coverage gaps 

 Coverage gapsAre Americans prepared for the potential impact of a critical illness? A landmark study from the Washington National Institute for Wellness Solutions explored whether middle-income individuals and families could handle the physical and financial costs of critical illnesses.

The Kaiser Family Foundation produced a report about how cancer patients confront holes in the health insurance system. This report highlights the challenges cancer patients may face when paying for lifesaving care—even when they have private insurance.

The cost to treat and rehabilitate stroke patients can be significant, adding up to billions each year nationwide. More than a third of stroke costs are indirect—and aren't covered by major medical insurance.

As more employers reduce benefits to manage their operating costs, individuals are paying higher out-of-pocket costs for medical care—including premium expenses, copays, coinsurance and more.

Cindy struggled to get appropriate follow-up surgery for her young daughter, born without facial nerves. After four years, she faced $122,000 in out-of-pocket costs for needed care. Health AdvocateTM was able to help schedule the surgery and spare Cindy the high price tag.

As health care costs have increased, most consumers—even those with major medical coverage—are paying more for less. You can help combat rising costs by avoiding these big mistakes.

How much of your medical bills is your major medical carrier required to pay? What happens to any balance that's not covered? WebMD provides some answers.

Even when you have major medical insurance, you may feel the financial impact of coverage gaps. The Health Advocate Medical Bill SaverTM program can help. Connect with a negotiation team, who works to reduce your uncovered medical bills.

Cancer presents health concerns as well as financial worries. By managing your money now, you can be financially ready if you face a critical illness.

Jimmy, 12, struggled daily to hear because his implanted hearing device continuously broke, requiring constant and costly repairs. Jimmy's Personal Health Advocate secured coverage for a brand-new device, helping the family avoid many visits to specialists and countless device repairs. Now Jimmy can participate in all the activities a 12-year-old boy should.

Understanding money matters is especially vital when a loved one has dementia. The Alzheimer’s Association identifies costs and coverage solutions when you have a family member with dementia.

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Health Advocate 

Health Advocate Health Advocate helps you navigate the health care system and maximize your insurance benefits. A Personal Health Advocate works to resolve your clinical and administrative issues and help you access needed resources.

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Policies underwritten by Washington National Insurance Company, home office: Carmel, IN. These policies have limitations and exclusions. For costs and complete details of coverage, contact an agent.

Policies, benefits and riders are subject to state availability. Not all listed options, benefits and riders are available on all policies, and some may have additional cost.

Limited-benefit policies

Washington National Insurance Company is not licensed and does not solicit business in the state of New York.

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