Mind the Gap: Six Tips to Assess Your Healthcare Coverage Before the New Year(BPT) - The new year is a good time to reset. From a fresh start on lifestyle choices, hobbies or pursuits, to the less exciting — but no less important — aspects of life, like memberships, contracts and even health insurance. Health insurance deductibles reset in the new year, so it's a good idea to keep that in mind as you plan for healthcare expenses. Any changes made to your health insurance plan during open enrollment go into effect as well. "Even if you spent hours researching your health plan before making a selection, there's always a possibility for the occasional surprise once coverage kicks in, which is why it's important to assess your healthcare coverage and address any gaps before January 1," said Doug Armstrong, Vice President of Health Products and Services at AARP Services, Inc. "AARP members can take advantage of benefits available to them to help find the coverage and savings information they seek." 1. Examine your vision coverage Eye health is important to quality of life, both in terms of moving around safely and appreciating your surroundings. Regular eye exams with an ophthalmologist or optometrist can help make sure your vision is sharp while also monitoring for any issues. However, many health insurance plans don't include vision coverage. If you do see a gap in your coverage, AARP members have access to information on vision insurance options that offer individual and family plans, featuring a large doctor network, savings on frames, lens enhancements, progressives and more. 2. Plan for prescriptions While several health plans offer coverage for prescription drugs, discounts can vary, especially when it comes to different types of medication. AARP ® Prescription Discounts Provided by Optum RX ® can help with savings. This program offers a free prescription discount card that can be used at over 66,000 pharmacies nationwide for savings on FDA-approved medications. Additional benefits for AARP members include home delivery, deeper discounts on medications, coverage for dependents and more. 3. Confirm your primary care With a new health insurance plan, you might find that your primary care physician is no longer in-network or that they no longer accept your insurance. Perhaps you have relocated and are in the market for a new doctor. Whatever the case, there's no time like the present to search for a new primary care physician who meets your needs. If you're on Medicare, Oak Street Health can be a great resource. The only primary care provider to carry the AARP name, Oak Street Health provides primary care for adults on Medicare and focuses on prevention with personalized care to help keep you healthy — physically, mentally and socially. Benefits include same-day/next-day appointments where available, convenient locations, a dedicated care team and a 24/7 patient support line. AARP membership is not required to visit an Oak Street Health location. 4. Protect your smile Optimal dental care includes daily brushing and flossing and a visit to the dentist every six months. During your visit, the dentist can monitor for and treat any issues, such as cavities or gum disease. However, not all plans include dental insurance, which means you might end up paying out of pocket for your cleaning and other procedures. To avoid that, take a look at your coverage. If needed, explore information on dental insurance options that offer individual or family coverage for the most common dental procedures. Dental insurance generally pays for regular check-ups, so many people who purchase protection will benefit from it immediately. 5. Clarify your hearing coverage Hearing loss is a common age-related ailment. According to the National Institute on Aging , one-third of older adults have hearing loss, and the chance of developing hearing loss increases with age. Hearing aids can be an enormous help, improving socialization, boosting confidence and even helping to increase balance. However, many insurance plans do not include coverage for hearing aids. AARP ® Hearing SolutionsTM provided by UnitedHealthcare ® Hearing provides savings on hearing aids and hearing care . Members can save an average of $2,000 per pair on prescription hearing aids and 15% on accessories — no insurance needed. Plus receive a hearing exam and consultation at no cost and personalized support through a large nationwide network of hearing providers. 6. Consider physical therapy Often, the only times that people consider whether their health insurance covers physical therapy is if they already participate in it or after the doctor has prescribed it. As we age, though, physical therapy can be a useful tool in improving balance or recovering from an injury or procedure to help you remain active. Fortunately, the question of coverage or finding an in-network location doesn't have to derail you. AARP ® Physical Therapy At HomeTM by Luna accepts most insurances and Medicare and is available to members and non-members alike. Plus, Luna's experts come to you, so you can receive quality care from the comfort of your home. If you're creating an end-of-year to-do list, consider adding an assessment of your healthcare coverage. After all, the best time to realize you have a gap in coverage is before you need it. To learn more about AARP member benefits, visit aarp.org/benefits . AARP and its affiliates are not insurers, agents, brokers or producers. AARP member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions. Please contact the provider directly for details.Mind the Gap: Six Tips to Assess Your Healthcare Coverage Before the New Year
Taylor Swift and Travis Kelce enjoy double date with Jack Antonoff and Margaret QualleyOneDigital Investment Advisors LLC acquired a new position in shares of Insmed Incorporated ( NASDAQ:INSM – Free Report ) in the third quarter, according to its most recent 13F filing with the SEC. The institutional investor acquired 3,181 shares of the biopharmaceutical company’s stock, valued at approximately $232,000. Several other large investors have also made changes to their positions in INSM. Kennedy Capital Management LLC acquired a new stake in Insmed during the first quarter worth about $267,000. Russell Investments Group Ltd. raised its holdings in Insmed by 15,915.2% in the first quarter. Russell Investments Group Ltd. now owns 22,101 shares of the biopharmaceutical company’s stock valued at $600,000 after buying an additional 21,963 shares during the period. TimesSquare Capital Management LLC acquired a new position in Insmed during the third quarter valued at approximately $35,322,000. &PARTNERS acquired a new position in Insmed during the second quarter valued at approximately $300,000. Finally, Natixis purchased a new stake in Insmed during the first quarter worth approximately $191,000. Insider Activity In related news, insider Martina M.D. Flammer sold 13,436 shares of the business’s stock in a transaction dated Monday, September 16th. The shares were sold at an average price of $74.92, for a total transaction of $1,006,625.12. Following the completion of the sale, the insider now owns 106,134 shares of the company’s stock, valued at $7,951,559.28. This represents a 11.24 % decrease in their position. The sale was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this hyperlink . Also, insider Orlov S. Nicole Schaeffer sold 37,575 shares of Insmed stock in a transaction that occurred on Tuesday, September 10th. The shares were sold at an average price of $71.50, for a total value of $2,686,612.50. Following the completion of the transaction, the insider now owns 100,100 shares of the company’s stock, valued at approximately $7,157,150. The trade was a 27.29 % decrease in their ownership of the stock. The disclosure for this sale can be found here . In the last ninety days, insiders sold 78,882 shares of company stock worth $5,765,446. 4.60% of the stock is currently owned by insiders. Insmed Price Performance Insmed ( NASDAQ:INSM – Get Free Report ) last announced its quarterly earnings data on Thursday, October 31st. The biopharmaceutical company reported ($1.27) earnings per share for the quarter, missing the consensus estimate of ($1.19) by ($0.08). The company had revenue of $93.40 million during the quarter, compared to analysts’ expectations of $93.36 million. During the same period in the prior year, the company posted ($1.10) earnings per share. The firm’s revenue was up 18.1% compared to the same quarter last year. As a group, research analysts anticipate that Insmed Incorporated will post -5.42 earnings per share for the current fiscal year. Analyst Upgrades and Downgrades Several research firms recently weighed in on INSM. Bank of America lifted their target price on shares of Insmed from $84.00 to $86.00 and gave the company a “buy” rating in a report on Wednesday, October 9th. TD Cowen boosted their price objective on Insmed from $75.00 to $98.00 and gave the stock a “buy” rating in a research note on Friday, August 9th. UBS Group increased their target price on Insmed from $78.00 to $84.00 and gave the company a “buy” rating in a research note on Friday, August 9th. Truist Financial reissued a “buy” rating and set a $105.00 price target (up from $100.00) on shares of Insmed in a research report on Friday, November 1st. Finally, HC Wainwright reaffirmed a “buy” rating and issued a $90.00 price objective on shares of Insmed in a research report on Friday, November 1st. One equities research analyst has rated the stock with a sell rating and sixteen have given a buy rating to the company’s stock. Based on data from MarketBeat, the stock presently has a consensus rating of “Moderate Buy” and an average price target of $83.67. Get Our Latest Stock Analysis on Insmed Insmed Company Profile ( Free Report ) Insmed Incorporated is a global biopharmaceutical company on a mission to transform the lives of patients with serious and rare diseases. Insmed’s first commercial product is ARIKAYCE® (amikacin liposome inhalation suspension), which is approved in the United States for the treatment of Mycobacterium avium complex (MAC) lung disease as part of a combination antibacterial drug regimen for adult patients with limited or no alternative treatment options. See Also Receive News & Ratings for Insmed Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Insmed and related companies with MarketBeat.com's FREE daily email newsletter .