Our handouts were a big hit at the trade shows last year. We’d like to share them with you!
Hearing is often associated with speech in that initial communication and hence understanding, arises primarily from learning spoken language through listening. This is why speech therapy is a must for people with hearing impairment as well as complete involvement from the child’s family to help facilitate that child’s development. However, we need to remember that one size does not fit all.
I am a big believer in developing the auditory and oral (spoken) skills of children with who have a hearing loss but I also feel that there is room for sign language if needed. I am a realist. I do not think that one approach is the answer. One of the most frequent questions I am asked concerning the development of a child with a hearing loss is if their child learns sign language while trying to teach them to “learning to listen”, will that prohibit them from developing their auditory and oral skills. I tell them the answer is not so simple. Many variables come into play and there is no clear cut answer. My experience with teaching the deaf and providing services for children with hearing losses has shown me that the child will decided what is the easiest way to communicate is. I believe that if the child is implanted early enough during the first year of their life, the chances are that using sign language will not be an option, since these children often develop the necessary auditory skills to learn how to speak. On the flip side, I have seen many children who have were implanted later on or were aided with hearing aids and their preferred choice of communication is using sign or both. Each child is different and like I stated before, their choice of communication is based upon many variables.
In my practice I work with a range of children and adults who have a hearing impairment. Some have developed the skills to communicate successfully verbally, while others due to late implantation or hearing aid fitting, are trying to develop their auditory/oral skills but prefer to use sign as their primary mode of communication. I try to educate my families and let them know that communication is the ultimate goal. Do I support teaching child and adults to develop their auditory/oral skills to their fullest potential, of course I do, but I also support development of communication in any means possible.
Most people are confused by their health insurance, they are unsure of what it covers and how much they will have to pay in any given situation. That’s easy to understand, health insurance policies are written in such a way that the average person just doesn’t carry those terms around in their heads every day. However, understanding your health insurance policy is key to receiving the care your premiums pay for you to receive. There are many different aspects to health insurance policies, and I wouldn’t presume to be able to address them all here, but I will attempt to address the most common and quite often, the most important. Premiums, co-pays, coinsurance, exclusions, deductibles, In network and out of network, stop loss, out of pocket, and preauthorization’s, are all terms we have each heard at one time or another, but what do they mean?
Premiums are quite simply the contribution you must make each month, or quarter, or year to keep your insurance coverage active. If you fail to make your premium payment, your health insurance policy may be canceled and you may be left with no coverage at all. It is very important that your premiums are always paid when they are due. Quite often, if you receive your health insurance benefits from a group policy offered by your employer, your premiums are deducted from your paycheck and always paid without any effort on your part.
Co-pays are not health insurance premiums, they are your portion or share of cost for the current visit, procedure, event, or appointment you are participating. Co-pays are always the responsibility of the patient or patients responsible party and cannot be waived, reduced, or discounted. Sometimes a patient will ask whether or not a co-pay can be reduced, waived or forgiven, and the answer is always no. Many people don’t realize this, but there are actually federal laws that prevent providers from doing this, so quite simply… It’s against the law, please don’t ask…
My experience has shown me that premiums and co-pays are the easiest terms for most people to understand when discussing their health insurance, but coinsurance is where it starts to get murky. Coinsurance is the amount that is left over after the claim has been submitted, approved and paid. The coinsurance is always the responsibility of the patient or the patients responsible party. To give you an example: say you visit an “in network provider” for ACME Insurance. You pay your co-pay when you sign in for the appointment, you see the provider, and you leave. The medical billing staff takes that charge and submits it to ACME insurance for payment. ACME insurance confirms the claim is valid and pays the claim according to the contract signed by the provider and ACME insurance, minus the coinsurance amount. To further define this let me add some numbers: the provider submits a charge for 100.00, but the contract between the provider and ACME says they will only pay 95.00, the provider agrees to write off the other 5.00, and accepts 95.00 as payment in full. However, your insurance policy with ACME says that the will pay 90% of the agreed upon charge and you must pay the rest. so in this example ACME will issue a check for 85.50 (90% of 95.00) and your coinsurance amount is 9.50 (10% of 95.00)
I hope that helps de-mystify, a few of the commonly used terms when dealing with health insurance. My next article will continue to define more terms to aid you in understanding more about your health insurance policy or at least give you some knowledge when speaking with your health insurance company. “Knowledge is Power.”