FAQs

FAQs 2016-11-07T16:46:28+00:00

Frequently Asked Questions

What is a neurologist? 2016-11-07T16:15:29+00:00

A neurologist evaluates and treats disorders of the brain, the spinal cord, and the blood supply of those structures. She also works with muscle diseases and other non-surgical problems. Examples of diseases treated by a neurologist included: multiple sclerosis, migraine and other types of headaches, dizziness, blackouts, seizures, Parkinson’s Disease, other movement disorders, loss of memory, and neck and back pain.

What are the training requirements to be a neurologist? 2016-11-07T16:12:37+00:00

A neurologist receives an M.D. or D.O. degree after four years of medical school. Many programs require an internship in internal medicine, and then there is a three-year residency in neurology. After the residency, some neurologists complete a fellowship, or additional training in programs such as vascular disease or muscular disease.

How do I know if I should see a neurologist? 2016-11-07T16:11:50+00:00

It is best to talk with your primary car physician about your health problems. Then he can help you decide whether you should see a neurologist. In many cases a neurologist will follow you for a short time until your course of evaluation and treatment are established. In other cases the neurologist will continue to see you for a long period of time. Often the primary care physician will decide whether to assume total responsibility for your care, or whether to continue to coordinate your care with a neurologist or other specialist.

You can call the office of a neurologist and describe your problems briefly, and the receptionist or nurse can help you decide if you need that type of appointment. Even in that case, the neurologist will want you to continue your general care under the direction of your primary care physician.

What is the difference between a neurologist and a neurosurgeon? 2016-11-07T16:11:16+00:00

The neurologist has a medical training background. A neurosurgeon has a surgical background. The neurologist might do evaluation such as muscle or nerve testing, or electroencephalograms for evaluation of seizures or blackouts or memory loss. She does not do any surgery. She will follow patients with non-surgical problems or she might follow patients after they have had neurosurgery for a continuing problem, such as seizures.

A neurosurgeon might work with a neurologist to arrange diagnostic testing or to adjust medications. The neurosurgeon usually sees the patient pre-operatively. After the
post-operative period is over, the patient is often discharged from the care of a neurosurgeon.

When should I get a second opinion after I have seen a specialist? 2016-11-07T16:10:33+00:00

It is always appropriate to discuss your problems with your primary care physician. After you see a specialist, you can ask your primary care doctor if he agrees with the recommendations. You should be able to ask the specialist herself if you have uncertainty about recommendations. Some situations do not lead to a specific diagnosis. Some illnesses can only be diagnosed long after onset of symptoms.

It is rarely beneficial to your care for you to seek more than two or perhaps three, opinions from a physician of the same specialty. If you do get opinions about the same issue from more than one physician, and particularly if they make different recommendations, you should share this information with the physician who continues to participate in your care. It can be dangerous to your health to withhold information from the treating physician.

Your primary care physician should be informed of the outcomes of your evaluation and care by other doctors and providers.

Can I get information about my medical problems off the Internet? 2016-11-07T16:10:00+00:00

There is an abundance of information on the web. Much of this information is unedited. Some of it is not substantiated by adequate clinical trials. If you get information from this source, ask your doctor about her opinions with regard to that subject. Know the source of the information, including the author and any affiliation that author might have with a medical school, hospital, or other organization.

How many times will I need to see a neurologist? 2016-11-07T16:09:30+00:00

In some cases, patients are seen for just one or two visits. Other times long term follow up by a neurologist is indicated, perhaps for many years. For example patients with seizures, Parkinson’s disease and headaches are often followed at a regular interval by the neurologist. The frequency of visits is determined by the stability of the problem.

What is the difference between an insurance company and a health plan? 2016-11-07T16:08:19+00:00

An insurance company collects premiums and then distributes that money to pay doctors, hospitals and other providers for the healthcare costs of its clients. Most people have group health insurance policies through an employer or another group to which they belong. Individual policies are sometimes difficult to obtain but they are available from some insurers particularly for a young and healthy individual.

A health plan or healthcare company defers management of health care decisions and distribution of payments to its own organized group of administrators. They organize their own network of providers and set up their own organizational structure. For patients who participate in a health plan, the executives oversee management of health care for their clients and management of the funds that are used for payment of the healthcare services.
Insurance companies, health plans and healthcare organizations usually operate for profit.

Is a health insurance company the same thing as a healthcare company? 2016-11-07T16:07:56+00:00

Yes, and no. Until recently these two entities have been separate. There are now some healthcare companies who provide coverage for their clients and then in turn they pay the contracted fees to their own network of physicians and other providers. The insurance company and the health plan may operate to some extent as separate organizations, but within a close business relationship through ancillary companies and providers.

What is a Medicare Advantage Plan? Is there more than one? 2016-11-07T16:07:24+00:00

A Medicare Advantage Plan collects a certain amount of money from Medicare and uses that money to pay for the care of its clients. That amount is based on the number of patient members they have recruited. The individual amount per patient varies from state to state and from region to region. For example the Medicare Advantage Plan may pay $280 per member per month in one state and $680 per member per month in another state. These numbers are based on previous national statistics and statistics for the Medicare population in that area.

There are many Medicare Advantage Plans available. Some are well known and others are small. Some of them operate only in certain parts of the country. All of these plans have to comply with all Medicare rules but they are otherwise free to distribute funds to physicians, administrators, and other providers as they choose.

What happens to the money paid by Medicare to the Medicare Advantage Plans? 2016-11-07T16:06:54+00:00

The Medicare Advantage healthcare company collects the money each month from Medicare, based on the numbers of its members. The health plan executives then decide how to distribute that money for payment of your healthcare. Usually some of the executives are also physicians. They decide, either directly or indirectly, how much your primary care physician is paid, how much your specialists are paid, and how much money a hospital receives for your care if admission is necessary. They oversee the precertification process for diagnostic studies and for many medications. The Medicare Advantage Plan administrators negotiate contracts in some cases with physicians, other providers and facilities that are not directly under their control. Usually they try to arrange care within their own network.

Any unused funds are distributed by the administrators of the plan to the managers, physicians and other providers, and employees of the Plan. Alternately, excess funds can be recorded as profit or they can be used to fund ancillary companies that might then be involved in your care. Any excess funds can also be distributed as bonuses to the directors and physicians in the plan.

How does a Medicare Advantage Plan control the cost of my health care? 2016-11-07T16:06:21+00:00

In some cases the health plan requires you to have a referral to see a specialist. Many times procedures have to be precertified by your physician before they can be scheduled. The healthcare plan administrators decide whether they precertify the test or treatment recommended by your physician(s). They deny diagnostic studies or medications if they do not consider them medically necessary. They also set the amount of co-pay required when you see your primary physician or your specialist. They determine the amounts of your co-pay for medications.

What does it cost me to join a Medicare Advantage Plan? 2016-11-07T16:05:52+00:00

As with all insurance plans, you should ask the representative of that plan what your own expenses will be. In many cases, they will say that it costs you nothing to join. However, you should then ask about co-pay amounts for your primary care physician, your cardiologist, neurologist, or other physicians that you may need to see. You should also ask about co-pays for medications, which medications are on the formularies, co-pays for hospital stays, and other items that are pertinent to your care. Some plans offer marketing perks, such as memberships to health clubs. Such activities can be advantageous, but since the Advantage plans work for profit, they will recoup those expenses and more as they provide oversight for your health care.

Do I get different care or see different doctors if I join a specific health plan or Medicare Advantage Plan? 2016-11-07T16:04:14+00:00

Most insurance companies and health plans have their own lists of physicians and other providers. They also have preferred hospitals. Although you might be allowed to go out of network and find your own doctor, the payments out of your own pocket can be substantially higher if you do so. If you have Medicare as primary coverage and a secondary policy, then you can see any physician or provider who accepts Medicare. Although some physicians are no longer accepting new Medicare patients and some physicians do not participate in Medicare at all, the majority of physicians still do accept Medicare patients. Most of them are “participating providers” in Medicare, which means they accept the Medicare fee.

Some physicians participate only in Medicare Advantage Plans and they do not accept “straight Medicare patients.” Other physicians accept Medicare patients and they do not participate in Medicare Advantage Plans.

Since your care is directed by your physician or provider, then your health care will be determined largely by the physicians in charge of your care. In most cases there is no significant difference in your care. However, some physicians and providers tend to order a large number of diagnostic studies, particularly if doing so helps to generate income for the group in which they participate. Other physicians do not like to order diagnostic studies if doing so could minimize the profit of the company with which they are associated.

If I have traditional Medicare or I am on a Medicare Advantage Plan, can the doctors and hospitals charge me whatever they choose to charge? 2016-11-07T16:03:35+00:00

Most health care services are covered by Medicare. In that event, the physicians or hospitals or other providers can list as a charge whatever amount they choose. However, they can collect only the amount allowed by Medicare. Therefore if you receive a bill for $500 and the Medicare allowed charge is $250, then only $250 can be collected. This will be collected from Medicare first and then twenty percent will be collected from your secondary insurance company. In the event you have a Medicare Advantage Plan, then that plan might pay your hospitals and physicians even less than Medicare, or perhaps more than Medicare. In any case, you are responsible usually just for your co-pay amounts. which are determined by your health plan. If you have only Medicare coverage, then your responsibility will be twenty percent of the cost allowed by Medicare.

Can I have insurance and also be a member of a healthcare company? 2016-11-07T16:02:37+00:00

Yes. Some plans provide their own insurance for its members. Others contract with various insurance plans such as Cigna, Aetna, and United, so that they collect payments from those companies. Then they distribute payments to their own administrators and to providers of your medical care and services.

Some healthcare companies provide an insurance plan to their patients and they also contract with the other large companies to provide care to patients outside their own insurance plan.

Once I join a Medicare Advantage Plan, will the co-pay amounts always remain the same? 2016-11-07T16:02:01+00:00

No. The administrators of the Plan can change co-pay amounts, pre-certification guidelines, and other policies from time to time, often on an annual basis. They may also change their network providers so that a physician might be on the plan one year and off the next, or vice versa, or off the plan one year and on the plan the following year. Usually the provider group stays about the same but there are some changes. Co-pay amounts often change annually.

What are my payment obligations if I am not on a Medicare Advantage Plan? 2016-11-07T15:59:39+00:00

If you have Medicare as primary coverage and a secondary policy, then in most cases your expenses will be covered except for an annual Medicare deductible of about two hundred dollars or less. Many secondary policies will even cover that annual deductible. If you have just Medicare coverage and no secondary policy, then you will usually be responsible for payment of twenty percent of any expenses that are incurred. These expenses are based on the amount allowed by Medicare and not on the amount billed by the physician or hospital. Since Medicare fees are often lower than other fees, often a physician or hospital will bill a higher amount than Medicare allows. However, he can only collect the amount allowed by Medicare.