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 driven health plans defined.    .   . Traditional health insurance plans require you to pay a pre-determined amount in yearly premiums. But what if the amount of medical care you used that year was actually LESS than the amount of premiums you paid? It would have been cheaper if you had just covered the medical expenses yourself. A consumer driven health plan, or CDHP, allows you to do just that. Hereâs how it works: Instead of paying high insurance premiums, such as under traditional plans, you agree to pay for routine medical expenses yourself. You cover these expenses through your own tax-free medical savings account.