EÁSY CHEESY RÁVIOLI BÁKE
Eásy Cheesy Báked Rávioli - á quick, simple ánd delicious dinner recipe thát the whole fámily loves! Definitely ádding this one to the monthly meál rotátion.
Course Máin Course
Cuisine Ámericán, Itálián
Prep Time 5 minutes
Cook Time 16 minutes
Totál Time 21 minutes
Servings 8
Cálories 342 kcál
Áuthor Lil' Luná
INGREDIENTS
· 20 oz cheese-filled rávioli refrigeráted
· 26 oz pástá sáuce (your fávorite)
· 1 tsp dried básil leáves
· 2 cups shredded mozzárellá cheese
INSTRUCTIONS
1. Preheát oven to 400.
2. Cook rávioli ás directed on páckáge. Dráin ánd set áside.
3. .....
4. ...........
FULL INSTRUCTION : lilluna.com
Don’t look now, but HMOs seem to be getting a new lease on life.
Health maintenance organizations flourished in the 1980s and early 1990s. But a lot of patients saw them as burdensome – you typically needed a referral from your primary care doctor before seeing a specialist – and decried their lack of flexibility. Most of the time, policyholders were only covered when they visited a hospital or provider that was part of the network.
So began the exodus to preferred provider organizations, or PPOs, which offered access to out-of-network providers, albeit at a somewhat higher cost. And suddenly patients didn’t have to jump through hoops to visit specialists.
What’s New With HMOs
However, the past couple years have seen a resurgence in HMOs and other “closed network” plans, a shift that’s largely linked to the Affordable Care Act (ACA). One impact of the law was the implementation of a new type of network called accountable care organizations (ACOs).
The idea behind ACOs, most of which serve Medicare patients, is to reward physicians for providing better, not more, care. That means greater coordination between providers and, as with HMOs, a bigger role for the primary care physician.
However, seniors aren’t the only consumers seeing more of these closed network plans. The ACA also led to the creation of online exchanges for consumers buying an individual plan, which has fueled pricing wars among different insurers.
Plans that limit patients to certain physicians and hospitals are generally less costly to operate than PPOs, enabling companies to offer them at lower rates. Consequently, more carriers started offering HMOs and EPOs (exclusive provider organizations), another type of plan featuring a limited network of providers.
In 2015, Kaiser Health News studied the 30 states that offer a plan on the Healthcare.gov website, and found that HMO-style offerings usually came in considerably cheaper. For a 40-year-old male buying a silver plan, the least-expensive closed network in these states averaged $299 a month in premiums. By contrast, PPOs with a comparable level of coverage cost $339 a month.
A Good Deal for Patients?
Aware of the bad rap that older HMOs received, insurance companies have tried to revamp their newer closed network plans to make them more appealing. Some insurers no longer require patients to get a referral before seeing a specialist, for example.
With ACOs, there’s also greater access to out-of-network providers. Doctors usually refer patients to specialists who are part of their network, but they have to notify patients of their right to see outside doctors at no extra charge.
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Insurers argue such plans actually have certain benefits beyond just price. Specialists in a closed-loop system are more likely to have access to patient medical records, for example, so you are theoretically less likely to undergo unnecessary testing.
Does that make closed network plans a good value for the consumer? The answer depends on your medical needs and the quality of that particular network.
Here are some things to consider before signing up with one of these plans:
Is your current doctor part of the network? If not, you might have to find a new one in order to get your visits covered.
Do you travel a lot? Some HMO-type plans are limited to a relatively tight geographic area, making it difficult to get coverage when you need care in a different part of the country.
What’s the plan’s rating? The National Committee for Quality Assurance (NCQA) grades different networks based on their level of access to care, provider qualifications and health outcomes. The rankings for more than 1,000 health plans nationwide are available on the NCQA website.
With so many changes in the healthcare industry, differentiating among different plans can be a tricky endeavor. If you’re buying a plan on a health insurance exchange, professional navigators can be a valuable resource. And it doesn’t cost you anything to talk with them about your options.
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