One or more of the following symptoms indicate the deterioration of kidney function: 1  Itching. 2  Nausea, vomiting and loss of appetite. 3  Swollen ankles. 4  Tiredness and fatigue. 5  Muscle cramps. 6  Change in urine volume, (there can be an increase or decrease in the amount of urine passed daily) 7  Shortness of breath. 8  Sleep disturbance.
Reference Pricing. With reference-based pricing, employers set a pricing cap on the maximum amount that they will cover for certain medical services that have wide cost variations, such as knee and hip replacement surgery.
Consumer-directed health plans (CDHPs) typically combine a health insurance plan with a tax-advantaged account that enrollees can use to pay for medical expensesâmost commonly an HSA or HRA. Enrollees in CDHPs, whether linked to an HSA or HRA, must keep track of funds in their accounts.