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VideoLost: Shih Tzu, male, golden brown, from C.R. 320 in Floresville. If you have any information call 210-452-1829 or 832-292-3305.

VideoFound: Male dog in Eagle Creek, with collar no tags, clean and healthy, very friendly, non aggressive. Call if he's yours, 210-844-1951. 

VideoStill missing: Long hair Chihuahua, near 3rd and Hwy. 97, Floresville, she is very missed. If you see her please call Jeri, 409-781-3191.
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Help Wanted

The 81st Judicial District Attorney’s office, which includes Frio, La Salle, Atascosa, Karnes and Wilson Counties, is accepting resumes for an Assistant District Attorney position. The selected candidate will work directly under the Border Prosecution Unit Initiative dedicated to Human Trafficking/Human Smuggling. Responsibilities of the position include working closely with federal, state and local law enforcement agencies, felony intake, preparation of cases for grand jury, negotiating pleas and representation of the State of Texas in pretrial proceedings, as well as in criminal bench trials and jury trials in District Court. All applicants must be a graduate of an accredited law school and licensed to practice law by the State of Texas and have a minimum of fifteen (15) years prosecutorial experience and extensive felony trial experience. Salary commensurate with experience. Resumes will be accepted through close of business, September 3, 2015. EMAIL resumes and cover letters to terireyes@81stda.org or fax to 830-393-2205. DISTRICT ATTORNEY RENE PENA C/O, TERI REYES, Office Manager; 1327 THIRD STREET, FLORESVILLE, TEXAS 78114. Fax 830-393-2205, terireyes@81stda.org.
Seeking individual to work in a local child-care center, paid holidays, etc., must be high school grad or GED. Apply in person at Cubs Country Childcare, 212 FM 1346 in La Vernia.
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Section A: General News


Understanding co-pays, deductibles, and co-insurance




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January 15, 2014 | 1,589 views | Post a comment

Deductibles, co-insurance, and co-payments basically describe the costs you share with the insurance company and pay to physicians and other providers for your health care.

Let’s start with the deductible, because that’s the amount you typically have to pay first before your insurance starts to cover much of your health-care costs. Say you have a $1,000 deductible for the year. That means you’re responsible for paying the first $1,000 of your medical expenses before the insurance company helps pick up the rest. You might meet that deductible in one hospital stay, or you could meet it throughout the year in multiple doctor visits. Because your insurance policy covers one year at a time, you would meet that deductible once a year, and it resets when you renew your insurance. And depending on your plan, once you’ve met your deductible, your insurance will start to cover a greater portion of your medical expenses.

Which brings us to the co-insurance, which is different. Instead of a fixed amount, like the deductible, the co-insurance is the percentage of a particular medical cost that you are responsible for. Let’s say it costs $100 for an X-ray and your co-insurance is 20 percent. You would pay $20 of that cost, and your insurance would pay the rest, $80. Depending on your plan, that $20 could go toward your deductible; or sometimes the co-insurance won’t kick in until after you’ve met your entire deductible. And the co-insurance amount can vary depending on whether you receive medical services in or outside of your health plan’s network.

Lastly, each time you visit the doctor, you’ll typically pay what’s called a co-payment or “co-pay.” It’s usually a small fixed fee, like $25, that you pay up front at each visit, not something you split with your insurance plan. It can also vary depending on the medical service.

But Marketplace plans must cover certain preventive services, like screenings and immunizations, without making you meet your deductible, or pay co-insurance, or co-payments. That’s if you get those services in-network.

And keep in mind that the health-care law puts a limit on your out-of-pocket medical expenses each year. Once you reach that limit, your insurance usually covers 100 percent of your medical expenses.

What are the limits on out-of-pocket costs?

The health-care law puts a limit on what you pay each year out of your own pocket for the medical expenses covered by your insurance, called “out-of-pocket limits.” For 2014, the out-of-pocket limits are $6,350 for an individual plan, and $12,700 for a family plan for the year. That’s the most you would pay for the year, and after you reach that limit, your health plan pays for 100 percent of the services it covers. What counts toward your out-of-pocket limits? It doesn’t include your premiums. But depending on your health plan, it can include costs like deductibles, co-insurance, co-pays, and sometimes care that’s out of your plan’s network.

Contributed by the Texas Medical Association.
 

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