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.
You will also need to file a claim for reimbursement, like in a FFS plan. The HMO plan wants you to use its network of providers, but recognizes that sometimes enrollees want to choose their own provider. Some plans are Point of Service (POS) plans and have features similar to both FFS plans and HMOs. Consumer-Driven Health Plans (CDHP) Describes a wide range of approaches to give you more incentive to control the cost of either your health benefits or health care.