High-deductible health plans (HDHPs) are more common than ever. The reason is simple, the
cost is a lot less expensive than traditional plans like PPOs and HMOs. But there’s a lot of
confusion about what exactly they are and how they work.
November 4th, 2020 Test Results
Negative means the test did not detect the presence of the virus in significant enough amounts to be infectious.
The test did detect a sufficient amount of the virus that you could still be infectious.
Occasionally we get this reported back from DHEC: “EXCEPTION: Specimen was broken and/or leaked during transit. Please Repeat.”
We take this to mean that somewhere from when we give it to the courier to when DHEC receives it, it gets spilled. So they didn’t even get a chance to run the sample.
We refund all spilled samples 100% and recommend you sign up for another test.
Delayed means the DHEC lab likely has to rerun the sample for some reason. They don’t give us much insight as to why. This delay can still end up with positive, negative or inconclusive.
No Show means we don’t have you marked as showing up for your collection. Unfortunately with the high volume of testing we are doing, we cannot take the time to refund everyone who doesn’t show up, so we don’t refund those who do not show up.
“Inconclusive” means that the lab was unable to determine positive or negative from your sample. We refund all inconclusive results 100% and recommend you sign up for the next available collection.
Learn More About Insurance And Buying Healthcare Online
The Short Answer: Deductibles are a major part of any health plan. The deductible amount for your health plan is the amount of money you must pay for healthcare in one year before you insurance company pays (instead of you). For 2020, the minimum deductible that qualifies for a Health Savings Account (HSA) is $1,400 for an individual and $2,800 for a family. That is a common threshold for most employers. Now, there are a lot of caveats, but that is the short version
Healthcare sharing ministries (HSMs) are non-profit organizations that have created a mechanism for sharing health care costs among members who have common ethical or religious beliefs. An HSM does not offer health insurance. Rather, they offer to share healthcare expense among members as they are able. They do not accept risk, make no guarantees and do not purchase reinsurance policies.