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Average health insurance cost by age
The type of health plan you choose also influences costs. Health maintenance organization (HMO) insurance plans generally cost less than preferred provider organization (PPO) health plans. You typically must have a referral to see specialists.
Exclusive provider organization (EPO) insurance plans also generally cost less than PPO health insurance plans. Similar to an HMO plan, an EPO health insurance plan doesn’t pay for out-of-network care unless it’s an emergency. With EPO health insurance, you don’t need a referral to see specialists, though you must choose a specialist in the network for benefits to apply.
PPO health insurance plans have greater flexibility in coverage than HMO and EPO plans. PPO health plans cover care outside the provider network but at a much lower percentage. Smaller PPO health plans don’t usually require you to get a referral from your primary care doctor to see a specialist.
Are my health apps taking my data?
Yes, there is a really good chance that whatever health or fitness apps you’re using now are taking your private data. This is because these apps like to sell data to advertisers and send you targeted ads so that they can make money.
The data that these apps share is not protected by the Health Insurance Portability and Accountability Act (HIPAA), It is a federal law that requires the privacy and security of health information in the U.S. HIPAA only applies to health care providers, health plans and health care clearinghouses, and not to app developers or ad companies.
How to protect your data from health and fitness apps
we have gotten used to these health and fitness apps, and they’ve helped millions of people immensely, so it isn’t fair that these apps take our data without our consent.
Review app permissions
When installing or using an app, check the permissions it requests. If there are any permissions it is asking for that you’re uncomfortable granting, deny or revoke them.
Control app access
Check the privacy settings on your device to control app access to sensitive data.
How to check app permissions on an iPhoneOpen your Settings appClick Privacy & Security Select TrackingChoose which apps you want to track you at all times and which you do not but toggling each one on or off.
How to check app permissions on an Android
Settings may vary depending on your Android phone’s manufacturer Open your Settings appClick Security & privacyTap Permission manager Tap a specific app to see what permissions it is allowed to haveToggle off any permissions you don’t want the app to have.
Use reputable apps
Stick to well-known and reputable health and fitness apps that have a good track record of protecting user privacy. Research and read reviews about the app’s privacy practices before installing it. We mentioned PTSD Coach and Wysa earlier as verifiably good options, and you can check Mozilla’s *Privacy Not Included page for more.