Wednesday, April 8, 2009

Health Insurance

Currently health insurance is a basic necessity. Although health care costs have risen for two decades, about twice the level of inflation, they are to sea for a few years, according to a new study by the Health Services Research Institute at Tulane University.

This means that the disease is large, or small quantities in a short time destroy the family budget and can unmanageable debts. Therefore, some families can hardly pay even a hospital stay.

However, with adequate health insurance, financial risk of costly illness or accident can be prevented.

So not only good health, planning logical for most United States, but also the health care available for other families can not afford professional medical treatment.

Although there are hundreds of different policies and plans for the existing health insurance, health insurance usually covers the costs associated with the disease or injury is divided into five types: the cost of the hospital, the cost of operating, ordinary medical expenses, cost of medical, comprehensive and medical costs.

Basic hospital cover
Basic hospital insurance that covers the cost of hospital costs for room and board and care can also cover the additional costs, such as auxiliary treatment, ambulance transport, operating room, laboratory fees, X-rays, and medicines.

Benefits are usually limited to a certain amount and for a few days in the hospital. Some policies have their own risk and exclusions and limitations.

Surgery cost
Cost advantage for surgical coverage is paid in accordance with the schedule that is determined by the maximum amount of payment for each type of procedure.

Fees for office visits to doctors before and after the procedures and services of both surgeon and anesthetist, many times in coverage. Often, surgery is a combination of insurance in the hospital with the cost of the policy.

Regular cost of health
Regular medical doctor can replacement coverage for services other than those related to the operation, co-pay doctor visits, diagnostic and laboratory tests, and co-payment medicines.

This policy is usually included and the maximum dollar deductible and co-payment clause. This is often a combination of insurance in the hospital with the cost of operation and the cost of coverage.

Large medical expenses
Major medical insurance coverage to cover a very large disasters or prolonged illness or an accident. Consisting of the hospital, surgical, medical and other medical care not in the nature of health insurance.

Such policies usually most of the franchise, which can vary between $ 300 to $ 1000 or more, and coinsurance provisions that insurance to pay between 10 to 30 percent of the claims.

A stop-loss functions are usually the maximum amount insured's claim. In general, there is a maximum amount of benefits for each policy.

If insurance can not afford health insurance, is it wise to a major medical policy with low cost high own risk and the premium payments. This will at least an insurance for accidents or serious illness, and the money saved on premiums can be used for small health.

Comprehensive medical coverage
This is a plan that a combination of the basic characteristics of all costs of medical care and medical coverage. It usually has a deductible and coinsurance provisions of the clause that insured patients pay a certain percentage of the invoice, depending on the policy.

Major expenses such as insurance, the maximum lifetime benefit that is usually very high.

Group or individual policy?
Although many of the American people to buy health insurance through group plans offered by their employer, statistics recently released by the Coalition for Health guarantees (HEC), which during the ten year average of 37 percent of the employers of five or more employees offer no health insurance for employees.

HEC further found that during the decade average of 75 percent of the nation uninsured or are relatives of someone with a job.

Employers who offer group coverage as a marginal advantage. Premium under the group plan is usually lower than those for individual coverage. Employers usually pay all or part of the premium for employees.

With individual health insurance policy, you have the option to choose the benefits you want.

While individual health insurance premium will be based on age, sex and physical condition, and the amount of coverage you want, usually the cost of insurance premiums anywhere from 50 to 90 percent more than a policy similar to that of the group.

Shopping for the cost and value are very important in the disease. The cost of almost identical policies can vary as much as 50 percent of a company.

Managed care plan
In recent years, increased traffic managed-care-type plan.

The purpose of this plan is to cut costs by negotiating with doctors and hospitals to lower costs for services rendered.

There are three forms of care management-type plans: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) and Point of Service (POS).

HMOs negotiate with employers to manage all the needs of the health of workers. Companies must use the HMO's doctors, hospitals and clinics.

Employer write as members of the HMO to pay costs. These costs generally include the needs of all medical costs for employers. HMOs most urgent after the co-payment of some of the services offered.

PPOs are similar to HMOs from the point of a negotiating procedure fee. The main difference is that businesses and workers can choose the doctor they want to see.

There are member and nonmember physicians and hospitals. If employees choose the provider members, outside pocket costs will be lower than if he chose nonmember provider.

POS plans are insured to select its primary doctor. Doctors will agree to discount fees for services.

The insured will be one doctor for all aliments first to the discount. If the insured decided to specialists themselves, outside pocket costs will be higher.

Other medical coverage
There are dozens of types of health coverage options. Health care options are generally used by those who accidentally death and dismemberment insurance, specific disease insurance, hospital insurance insurance, disability, Medicaid, Medicare and Medicare supplements.

Accidental death and dismemberment insurance for the replacement as a result of medical accidents. The amount of the fee is usually determined by the policies of the limited schedule.

Certain non-insurance benefits paid directly to the insured. Amount is subject to a maximum amount of expenses related to the dreaded disease-specific care, such as cancer. While premiums are generally lower, or not to buy insurance.

Suretyship insurance or hospital plan for the revenue daily, weekly, monthly or benefits during the confinement to the hospital alone. Different types of policies do not begin paying benefits after you are in the hospital for a period of five days or longer. Because the average hospital stay in the United States less than five days, the insured is rarely collected on the profits.

Medicaid to pay medical bills for low-income people who can not afford to pay the costs of medical care. This is a government-sponsored program with strict guidelines to meet the requirements. To determine your eligibility, please contact your local pubic health or welfare office.

Medicare is a program sponsored by the government for most people the age of 65 years or more and for some people with disabilities.

This is part two of this program. The hospitals that provide benefits for short-term illness. He also offers some benefits in the skilled nursing facility or home.

Part B is optional insurance. You can use the premiums automatically deducted from your social security check if you have a. Part B to pay for most medical and surgical costs. Because it is cheaper, then the value is very good.

Medicare supplementary insurance is provided to Medicare leaves off. Insurance is relatively cheap for the amount of coverage, which usually covers the whole range of health problems.

God gave us life in the physical world where there are things beyond our control, such as accidents and diseases. Treatment costs hundreds to thousands dollars.

With the exception of those in the criminal no form of insurance, health insurance costs are reasonable and logical. However, the health insurance costs is large enough that a very large family must endure.

Group insurance through the company plan is much less expensive health insurance plan. If you have not been included in the group insurance plan, find the major medical coverage, but a very large deductible and pay only start after the deductible is met out of pocket you intend to disaster costs alone. Because some families who can afford the cost of hospital stay, health insurance is planning.

by Crown Financial Ministries

Tuesday, May 1, 2007

What to look for in good Health Insurance

This article explains a few things about all about health insurance, and if you're interested, then this is worth reading, because you can never tell what you don't know.

If you find yourself confused by what you've read to this point, don't despair. Everything should be crystal clear by the time you finish.

by: Mike Spencer
Copyright 2005 Mike Spencer

Health insurance is a kind of protection that provides payment of benefits for covered sickness or injury. Included in health insurance are various types of insurance such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance.

Before sign the health insurance policy make sure that you have read thoroughly the benefit’s section. Take note of any health care service that is not covered by your health insurance policy. Also, pay specific attention to how the health insurance policy is worded. Sometimes, health insurance companies hide the health insurance coverage exclusions within the definitions of words.

For instance, a health insurance company may define the term ‘emergency’ as anything that is life threatening condition that cannot be reasonably treated by a primary care physician. Whereas, your definition of ‘emergency’ may be anything that requires quick medical attention.

Clearly, there is conflict for the two definitions. If you find yourself in an emergency situation where you incur a broker arm, for instance, your insurance company may deny coverage for emergency room treatment of a broken arm for the reason that the broken arm does not fall under the life threatening category.

Therefore, you should read over carefully the health insurance policy definitions, paying close attention to the seven key words:

medical emergency
medically necessary
accidental injury
experimental or investigational
pre certification
pre-existing condition, and
reasonable and customary

These words and any words that are open to interpretation should be regarded with wariness. Find out how your health insurance company defines each of these.

Finally, find the section describing the procedures you must follow in order for your insurance company to reimburse you. These policy conditions or prerequisites are typically worded in a positive tone. Read through each condition carefully, make notes and call your health insurance company with any questions.

You should also compare health insurance contracts before you sign one. In order to compare exclusions, take two policy contracts and find the exclusions sections. If you want to compare a number of health insurance contracts then you could use an online service.

After you obtain your free quote for the health coverage you desire, apply for it online, and you'll obtain all the information that you'll need to compare exclusions of each health insurance policy (though sometimes this will require more research.)

About the author:

Mike Spencer recently became unemployed and moved into self employment. He was forced to find his own health insurance plan to protect his family. It wasn't as easy as he first thought. Here he shares the pitfalls of various plans and what you need to look out for when picking a good plan for you:

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Of course, it's impossible to put everything about all about health insurance into just one article. But you can't deny that you've just added to your understanding about all about health insurance, and that's time well spent.

Friday, April 20, 2007

Understanding Health Insurance Coverage: A Primer

The more you understand about any subject, the more interesting it becomes. As you read this article you'll find that the subject of Health insurance is certainly no exception.

If you find yourself confused by what you've read to this point, don't despair. Everything should be crystal clear by the time you finish.

by: Peter Lenkefi
Health Insurance Coverage: What are ‘Covered’ Services?
Health insurance coverage is a contract used to determine medical benefits that are covered, or not covered, between you and your insurance provider. The insurance company, based on a fee that you provide them on a regular basis, promises to pay health insurance coverage on certain items or benefits listed in that contract. These are called ‘covered’ services. ‘Covered’ services can include a wide variety of things, such as implements, prescriptions, services (such as massage), checkups, tests and/or research.

Your contract should also list all of the things NOT covered in your health insurance coverage – these are items or services that you will need to pay for out of your own pocket, should you require them.

Health Insurance Coverage: What is a Medical Necessity? How is this Different from Covered Services?
Just as it seems, a medical necessity is something that your health professional has deemed a required service/ item that will affect your health negatively should you decide not to purchase it. However, just because your doctor tells you something is a medical necessity does not mean your health insurance actually offers coverage for it.

Since insurance companies decide what health coverage they will and will not provide, you really have no leeway in this area.

Health Insurance Coverage: What Do I Do?
Most doctors try and keep themselves abreast as to what the major insurance companies do, and do not cover when it comes to health coverage. However, there are a LOT of plans out there, so this just isn’t enough. So how can you avoid any nasty surprises during an emergency?

Read your health insurance coverage. You’re better off knowing what your health insurance company will, and will not provide coverage for right off the bat. Then, if your doctor decides on a treatment plan that isn’t covered, you can ask for alternatives that may be.
If there are questions regarding your health insurance coverage, do not hesitate to contact the insurance company. Questions are good, and they expect them.

Health Insurance Coverage: What Do I Do if Something I Need Isn’t Covered?
The gross majority of what your doctor orders for you will be covered in your health insurance plan. If you do get a treatment or supply that isn’t covered, you can always challenge the health insurance coverage. You may not be the only one who requires the same type of service, benefit or item – so you’ll end up fighting not just for yourself, but for others in the same situation.

Ask your doctor for their side, and use this in your claim. It may not help in the end, but if your doctor is on your side, you may be able to convince the health insurance company that coverage is required.

About the author:
For more more information about health insurance coverage please visit

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Now you can be a confident expert on Health insurance. OK, maybe not an expert. But you should have something to bring to the table next time you join a discussion on Health insurance.

Monday, April 16, 2007

The Top Five Health Insurance Plans

In today's world, it seems that almost any topic is open for debate. While I was gathering facts for this article, I was quite surprised to find some of the issues I thought were settled are actually still being openly discussed.

If you don't have accurate details regarding Health insurance, then you might make a bad choice on the subject. Don't let that happen: keep reading.
by: David Chandler

Since competition in terms of health insurance is on the rise, it is no wonder that more and more forms of health insurance are being designed. Among these, there are few that are popular and they are briefly described below.

Individual Insurance: Ensuring a person individually is a common mode of insurance. One may be selective about what s/he wants in a plan through this process. Accordingly, one has required premium is calculated, and the insurance plan takes effect.

Group Insurance: Another type of insurance is the group arrangement. Through this type of insurance, one is compelled to abide by what others are going for, and this is dependent on the insurance providers. They are the ones that decide what is feasible to include in a plan, and on that basis, a group insurance can take place.

Indemnity Plan: This plan allows one to go to any doctor when one needs to; there are no restrictions on this, and it is believed to be more of a traditional plan. One does not need permission to go to a particular health care provider. However, usually what happens is that the member pays 20% of the total fee for treatment while the insurance provider pays 80%. In addition to this, there is a period through which one pays up in this manner, and then the company takes over paying the whole 100%.

HMO: The Health Maintenance Organization is one that allows a member to select a particular doctor off the panel. It is these selected doctors that will deal will with members' problems. The selected doctor is the one that will be approached for checkups of any kind, and if there are problems with a member that cannot be handled by him or her, the member is referred to specialists.

About the author:
For more information, visit

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Now you can understand why there's a growing interest in Health insurance. When people start looking for more information about Health insurance, you'll be in a position to meet their needs.

Friday, April 13, 2007

How To Choose A Health Insurance Plan

by: Ron King
Are you thinking about buying health insurance? With so many different alternatives, it is difficult to know which to choose.

When choosing a health insurance plan, never base your decision solely on the monthly premium. There are many other cost factors -- deductibles, co-payments, and the like -- that will determine the true price tag of your insurance. You'll need to read the fine print of the health insurance plan, including what it does and does not cover, the in-network versus out-of-network coverage and costs, claims processing procedures, and the coverage limits.

Know Your Health Care Needs

The first step is to review the scope of your needs: coverage just for yourself, for a large family, or something in between?

Next assess the health needs for all you intend to include in your health insurance plan. Are there any pre-existing conditions to consider? Does someone need to have access to certain medical specialists or medical institutions?

Research and Compare Your Options

The answers to the above questions will give you a good starting point in your search for the right health insurance plan.

Next, you need to explore your options. If you're getting group insurance through your employer, your options will be limited to what the company offers. Otherwise, you'll need to more research and comparison shopping. At a minimum, you have to understand the difference between the 2 basic types of health insurance plans offered today: the Indemnity Plan, and the Managed Care Plan with its variants.

Indemnity Plans and Managed Care

An Indemnity Plan offers the freedom to choose when and where you will seek medical assistance. Along with this freedom usually comes higher out-of-pocket costs. For many this is a fair trade-off.

Managed Care Plans are more restrictive, and require you to utilize the medical professionals and institutions that are part of the plan's "network." Participants often need pre-approval for medical services that are beyond basic preventive care. The costs for this type of plan are usually lower than Indemnity Plans. For those who are basically healthy, don't mind who provides their medical services, and who need to control medical costs, Managed Care Plans are usually the better choice.

This is a very basic comparison of the types of health insurance plans available. It is a first step in your own data gathering and analysis process.

Select The Right Company

Once you've done your homework and know what you want, you need to choose the right health insurance company. Many companies offer health insurance, from well-known corporate giants to small independent outlets. As with any major purchase, you'll want to research these companies before making a final decision.

Also, find out which state or federal agency regulates the type of health insurance you're considering, in case you have questions or experience problems.

Each type of health care plan has advantages and disadvantages. It is in your best interest to research thoroughly, so that the health plan you choose will be the right one for you and your family. For today and for years to come.

About the author:
Ron King is a full-time researcher, writer, and web developer. Visit http://www.healthinsuring.comto learn more about this subject.

Copyright 2005 Ron King. This article may be reprinted only if the resource box is left intact.

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Tuesday, April 10, 2007

Before You Look for Health Insurance

by: Richard Keir
Copyright 2005 Richard Keir

Shopping around for medical insurance can be a confusing business. You need to keep your wits about you and keep track of the benefits and costs of each policy and each type of policy. Too often we tend to look at the price first and the rest of the policy becomes a blur of fine print. And we're off to check the next policy.

Slow down. There some important things you should do before you start chasing around to get a policy. Doing these few things will make the whole process simpler and clearer - and you're much more likely to make a good decision.

You need to carefully consider your situation. Think about these questions and note your answers:

What's the general state of your health?

How old are you?

Do you have any serious medical problems currently or in your medical history?

Do you have any history of recurring or on-going medical needs?

Do you use tobacco? How much?

Do you drink? How much?

Are you over- or under-weight for your height, body-type and age?

Is your job hazardous?

Do you participate in any activities or sports that could affect your health?

Now this may be unpleasant but if there's any chance an insurance company could discover a history of drug or alcohol abuse or sexual behavior that might put you in a high risk group, you may want to be direct and upfront about it - especially if it's in the past. Having a claim denied later because you had failed to disclose medical information to the insurance company would be far more upsetting - and very expensive. The same goes for any significant medical condition. Insurance companies are in it to make a profit - at least most of them are. Paying large claims isn't their favorite activity, so they often do investigate.

If you're seeking a family policy you'll need to make the same analysis for everyone and consider carefully what kind of coverage you want.

Do you need dental, orthodontic, pregnancy, mental health, and/or drug coverage? Do you need long-term care coverage, either inpatient or in a nursing facility? Assisted living coverage? What about traveler's or international coverage?

If there's a possibility that you may require - or want - in-home care as opposed to a residential nursing or assisted living facility, be sure that coverage is included and be sure you understand exactly what you can expect to receive.

Think about deductibles and what you could afford pay to reduce your insurance costs. But be very careful here, because medical expenses tend to pile up quickly and reach nearly insane levels for complex treatments or inpatient stays. Many drugs in common use are ridiculously over-priced and depending on the specifics of your insurance you may not be able to use the least expensive sources.

If you will end up with multiple sources of coverage, be clear about how they fit together and what the rules are about overlapping or combined benefits.

Once you are clear on your current situation, your (and other family member's) medical history, and your projected needs, you can begin looking in a organized way with a better sense of where you're going and what will actually meet your needs. This may seem like a tedious process, but it will serve you well in finding appropriate and affordable health insurance and making sure your health care needs can be met by the medical insurance you choose.

Take some time to work through these questions. Write down your answers. Make a chart with your desired coverages and any special conditions the policy must meet. As you look at health insurance policies, note the rules, exclusions, information about pre-existing conditions, any limitations, the dollar amounts covered and especially any deductibles.

Don't try to do too much at once. If you hurry, it'll become confusing and tiring. You may hate it (I know I do), but you really do need to read all that fine print and understand it. That's not a task to rush through. You might as well face up to it, because it's a lot better to do it BEFORE you need medical services than after you get a bill for the uncovered portion that sends you into shock.

So is it an impossible job to find health insurance that works for you? Not at all. There's a world of resources on the internet to help you find the policy you need. Just be sure to do your homework first.

About the author:
Richard is a writer, educator and consultant providing services to medical, scientific and business professionals. For more on choosing a health insurance policy or finding the best medical plan for you, visit

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Monday, April 9, 2007

Health Insurance and health care

by: Mike Yeager

Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage. Government statistics estimate that over 40 million people in America are not covered by any type of health insurance on any given day. That's an enormous number of people who really are taking a financial risk.

Even if you're on a tight, limited budget, it's very important that you pick up some kind of affordable health insurance. Even if you only have a plan that covers unexpected hospitalization, your peace of mind will be greatly enhanced. Keep in mind that a catastrophic health insurance policy can come with a high deductible before their coverage kicks in. They don't pick up the cost of preventive physician visits or emergency room visits to get a few stitches.

Some questions to ask when considering affordable health insurance.

1) Can your and/or your family afford to pay ALL your medical expenses if you're sick or injured?

2) How much is the deductible?

3) How much are the premiums?

With a little searching and comparison shopping you find the best rate for your personal affordable health insurance.

About the author:
Mike Yeager