All About Health Insurance: 2009

Saturday, December 19, 2009

Update Dec. 19- 2009 All About "Health Insurance" Information By Insurance Experts

Health Insurance is defined as insurance to protect your health if any health program occurs in unforeseen future. It normally pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program but only basic coverage, or from private insurance companies. It is wise to purchase comprehensive health insurance policy addition to your government coverages. A health insurance policy is a contract between an insurer and an individual or a group, in which the insurer agrees to provide specified health insurance at an agreed-upon price the premium.

Health Insurance - Facts Individuals Should Know

By Chimerenka Odimba

Individuals seeking health care need to be aware of some important facts. These facts would help them make the right choice more so these days when health care is becoming more and more expensive.

There are basically two types of health insurance plans. They are: Indemnity plans and Managed-care plan otherwise known as health maintenance organizations (HMO).

Let's try to look closer into these plans.

Indemnity plans are plans where you get to choose your doctor, medical facilities. In general, you decide a lot about your health care. Most organizations use this for their staff and pay usually a monthly premium and a pre determined deductible.

This plan is by far the more expensive plan with a family of four under this plan with low deductible being required to pay as much as $2000 monthly. You can agree that this is quite expensive.

For people on this plan, one way to reduce your rate is by raising you deductible considerably. This is an especially wise move if you have a healthy family rarely needing health care.

The second plan - The managed-care plan is a plan utilizing the network principle. In this plan also known as health maintenance organization, a group of hospitals, doctors, clinic and other medical facilities come together to form a network. This network provides low cost health care to members of the network. This option can save you a lot of money.

The down side of this is that because they need to keep costs down, they tend to be inadequate in cases of serious health conditions needing specialized care.

For the best health care. your best bet is indemnity plan. But if you don't have the funds for this, you can go with the managed-care plan.

You can still search for cheaper indemnity plan by comparing health insurance rates. Just go to quotes comparison sites and get quotes. With these quotes, you can compare health insurance rates to find insurers offering cheaper coverage.

How do I start my quotes comparison?

Here are two great sites to start your health insurance quotes comparison.

Health insurance Quotes and
Compare Insurance Rates!
Chimerenka Odimba is the publisher Several finance based sites.

Article Source: http://EzineArticles.com/?expert=Chimerenka_Odimba

Why Do My Health Insurance Premiums Keep Increasing?

By Jenn Rayan Wong

Health insurance premiums in California and nationwide, rise primarily due to four major reasons:

1. Advances in medical technology means higher claims costs.
2. Price inflation for medical services is greater and exceeds inflation in other sectors of the economy.
3. Health Insurance Costs shift from the uninsured and those receiving Medicare and Medicaid over to the private sector
4. Consumer lifestyles, such as smoking, physical inactivity, obesity and heart disease.

As consumers, we really have no control over the first three, but we can take control of our own lives by eating healthier, exercising, and not smoking. If we all make a conscious effort to live a healthier lifestyle, it will not only benefit us individually, but collectively, as a society. We will need less medical care and eventually we can start to stabilize the cost of Health Insurance because people will have fewer claims.

If you live in California in the Los Angeles region, don't hesitate to contact me to review your current plan. We can make sure you're in the most cost effective health plan that meets your needs. If you're currently uninsured, it can be a lot less expensive and more affordable than you think! I've worked with students and freelancers in Los Angeles who sometimes end up paying less than $100/month! (Especially if you're willing to consider a higher deductible.)

You may even be eligible for an HSA (Health Savings Account) which offers some great tax benefits if you're self-employed and want to open an additional IRA.

Call me anytime to discuss at (323) 464-TODD (8633) or write me at toddshealthinsurance@gmail.com. For a more details about Health plan, Health coverage, Health insurance agent, visit our web site.

Article Source: http://EzineArticles.com/?expert=Jenn_Rayan_Wong

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Monday, November 30, 2009

Update Nov. 30- 2009 All About "Health Insurance" Information By Insurance Experts

Private Health Insurance - Why You Shouldn't Be Without it

By Amy Vales

In some countries, private health insurance is seen to be a waste of money. But here in Australia, we have some of the best insurers available that will help keep you and your family healthy. Some people can't see the benefits of holding a private health insurance policy, but in reality, you really can't afford to be without one.

Hospital Cover

Life has its way of throwing us curve balls every now and then and one of the most inconvenient and costly ones is an illness. Imagine your doctor finds something wrong with you and you need to go in for surgery. In a public hospital, there are waiting lists, no choice of doctor, rarely are there private rooms and when a spot opens up, you must take it or you might very well miss out. Private health insurance changes all of that. You can choose your doctor, you can choose the hospital, private rooms are available, there are far shorter waiting lists, if any - and you are sure to get the immediate care you need. Starting to sound good? There's still more to come!

Extras

Most private health insurance policies also offer "extras" cover. This is for everyday health care from doctors like optometrists, dentists, chiropractors and physiotherapists. So, if you go to the dentist for a simple check-up, depending on your policy, you'll get some kind of refund. This goes for all of the treatments that are listed on your policy. Often the refund can vary from policy to policy, depending on how many times you've claimed and the level of cover you have chosen. There can be significant savings for singles, couples and families however if you choose the right type of policy.

Ambulance

When someone needs an ambulance, you never hesitate, you just call 000. But after the ambulance has been and gone, there can be a huge bill for the short ride the patient has taken if they don't have ambulance cover. The reason for this is because of the specialist equipment that the ambulance carries onboard, the on-call nature and urgency that comes with this kind of facility and also the highly trained paramedics who tend to the person in need. You can take out cover that is only for ambulance services however, many private health insurance policies come with ambulance cover as standard. Always check to make sure though, as some basic levels of cover do not include this service.

Private health insurance should really be part of every person's health plan. Not only does it give you peace of mind, but also can cover you from expensive medical bills in emergencies, relieves the public health system tremendously and allows you to have more choices if you need to go into hospital. There are many reputable health insurance providers out there; it's just a matter of finding out which one will suit your personal needs and requirements!

Amy Vales provides regular insurance related articles focusing on home insurance, car insurance, and health insurance.

Article Source: http://EzineArticles.com/?expert=Amy_Vales

Getting Affordable Health Insurance

By Jason Region

Getting affordable health insurance is not as hard as which you may imagine. When you go to any search engine and type in a search term, you will find many advertisers that are trying to get your business by various advertising schemes or methods. The companies that you are looking for you that can give you the best coverage do not spend their profits for advertising, they use this money to help people get affordable health insurance. However, when trying to find these companies, it may put you in a Catch-22 position because it makes a little difficult to find these companies and where they may do business and how much they can offer you the savings every month, if they do not advertise each month.

This article has written to help you get affordable health insurance at a low rate without having to worry about spending your entire paycheck every month like I used too. One of the major problems with Americans getting affordable health insurance is the fact that many companies have very strict pre-existing conditions set up to prevent you from getting the best rate possible. These pre-existing conditions can make your premiums increase by at least $50-$100 depending on what type of disease or situation should have been in. However, not all companies make you wait for a solid year to enjoy the benefit of health coverage.

Affordable health insurance will not take you through as a strict of a process as some of the major providers. The way many of these larger companies have become major providers is that they have charge very high rates that have allowed them to get money to advertise their companies to help with name recognition. This is something that you want to avoid when you are looking for affordable health insurance because a part of your premium each month will go toward paying for their advertising budget.

A question to ask your health coverage Company when you find a rate that is realistic for you is if they do have pre-existing conditions and how long will you not have coverage in this specific area. This is important to determine because some health insurance companies only have a six month pre-existing condition and while others will have a one year waiting period. It depends on which a portable health coverage you go with. This will help save you from any unnecessary waiting period that you would otherwise have to go through at a mainstream company. Premiums can be up to 20% lower, and when these companies offer the same types of plans, it is something to look into to save you money every month.

Here is a free resource to find the Cheapest Health Insurance without having to compromise your coverage.

This is a free service dedicating to helping people save money.

Click Here to find out how low the rates have gotten this year.

Article Source: http://EzineArticles.com/?expert=Jason_Region

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Friday, November 13, 2009

Update Nov. 13 - 2009 All About "Health Insurance" Information By Insurance Experts

Affordable Health Insurance - How to Get Multiple Health Insurance Quotes Online

By Erik Stump

One option is to contact your health insurance agent and request him or her to send you the estimates of insuring your health and the health of your family over the web. You can get the information through email. You can compile information obtained from different insurance agents.

Technically speaking, this is one way to get multiple health insurance quotes over the World Wide Web. Practically speaking, this is not the right way to use the internet. You will not enjoy any benefits involved in searching for health insurance estimates on the web.

The second option is to visit web sites of health insurance providers and obtain the estimates. Different web sites will be designed in different ways. Some health insurance companies will simply dump of all the estimates best events on your screen and leave you to choose the best.

On the other hand, some insurance websites require specific information before providing the estimate. This usually involves your Social Security Number and other details that make it risky to get the quote. The last thing you want is for your credit bureau to find out that you were offered very high estimates.

If you want health insurance quotes from multiple insurance providers at zero cost and with zero obligations, you should make use of multiple quote comparison web sites. All the quotes shall land on your screen after you have provided the information required by the web site.

No private or confidential financial information is demanded. Your contact number and your e-mail address will be required. This is asked because some insurers send their quotes over the phone. This information shall not be used for any other purpose. The information shall be formatted to help easy comparison.

The information in the estimate shall be absolutely relevant. What is more, since you would have provided your zip code at the very beginning, you can be certain that the estimates that you have got are applicable to your state. This is often a big problem with other modes. You end up with great quotes that apply to all state other than yours.

It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.

A good site to compare insurance quotes online can be found here:

Cheap Insurance Quotes

Article Source: http://EzineArticles.com/?expert=Erik_Stump

Free Health Insurance Quotes - How to Compare and Receive Free Health Insurance Quotes

By Erik Stump

People often get very jittery when obtaining health insurance coverage. They give this option more respect than it actually deserves. People feel extra concern about their health and health of their family members. This concern gets converted into a 'play safe at all costs' attitude. Respect towards insurance is one thing.

However, what is the use of this respect and concern if you end up spending fore to cover your health due to the same? Just because you are seeking protection for something as valuable as your health does not mean you should not compare insurance quotes before finalizing the deal.

Where to search for free insurance quotes on the web? Do not opt for paid quotes. Do not approach your insurance agent for quotes. Most of us rely on multiple quote comparison web sites for auto insurance but prefer dealing with an agent for health insurance. Strangely, we find it difficult to place our trust on a web page.

The truth is that the web page is the most trustworthy option available today. It will obtain information about your health and obtains estimates from reputed insurance companies on the basis of that information. Since these quotes are available for free, there is no question of any hidden cost or profit. This means that you can be certain of absolutely reliable insurance quotes.

You can compare the estimates and understand the policy adopted by different health insurance companies. Choosing a multiple quote comparison website that offers estimates from reputed companies only will ensure you can avoid worrying about the quality of service. Each and every company on the list can be trusted to offer good quality service. All you have to focus on affordable insurance rates.

- Increase the deductible
- Describe yourself as a nonsmoker
- Bring down your weight
- Indicate that your diabetes is under control.

Do this and find out how your insurance premium has changed. And by how much? This is how you should compare rates.

Comparing the quote flashed on the screen is the first step. Go ahead and vary the information to compare quotes again. Compare two different set of quotes obtained to identify the best possible deal.

A good site to compare insurance quotes online can be found here:

Cheap Insurance Quotes

Article Source: http://EzineArticles.com/?expert=Erik_Stump

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Saturday, October 24, 2009

Update Oct. 25 - 2009 All About Health Insurance Information By Insurance Experts

Types of Health Insurance That You Need to Know

By Allen Jesson

In the US, there are typically three classes of health insurances - the individual, group, and public health insurance plans. Each is designed to meet specific needs and policies are based on the payer or insurance holder economic status.

For instance, in individual health insurance policy, the insurance holder is solely responsible for paying the entire insurance premium. Thus, it can prove costly compared to other two health plans. In return, certain perks are assured like availing of healthcare programs that complement the payer's lifestyle and shifting to better insurance companies is easy. Even more, in this type of insurance policy the payer can have the peace of mind that the exact amount of payment is reflected on the insurance holder's account.

Since nearly 100% of American corporations provide health insurances to their employees, there's no denying that the group insurance policy remains the most popular among the three options. Ordinarily, it is offered as employee benefit program. It's more affordable because employers pay a portion of the insurance premium and several medical programs are available.

But compared to the first option, employer-sponsored programs can pose some real risk, such as non-remittance of monthly deduction on employees' salary or sudden cancellation of the plan as company changes policies.

While the third type, the state-sponsored insurance plans is dedicated to indigent families and aging adults. Obviously, such group of the community is not capable of availing any of the first two options. Some of the programs offered by the US government are Medicare, Medicaid, and Children's health Insurance program.

The presence of three health care insurance plans speaks that there's no such thing as one-size-fits-all deal. Thus, in choosing one it's important to get what is really appropriate to the holder's needs and preferences.

Please follow the links for exclusive special offers on health insurances and short term health insurance.

Article Source: http://EzineArticles.com/?expert=Allen_Jesson

Answers To Common Questions About Health Insurance.
How to Select a Health Insurance Plan
Types of Health Insurance and More

A Short Term Health Insurance Note - Read More About It

By Allen N. Jesson

If you're looking to get a good insurance policy you should definitely look at the savings you can get with getting a short term health insurance plan. Seriously, you can get the coverage you need in the short term better than spending a lot of money in the long term to get yourself a better way to get some coverage. There aren't that many people out there that even know about these things, which is interesting to say the least. That's right you can get yourself and your family covered with a limited plan that can create a new sense of hope in our troubled times.

There are so many people out there that are looking to get short term health insurance and many of them are not enjoying their life and times. If you're one of those millions you need to read the policy better than ever. That's right, make sure you read the policy and if you have questions make sure you ask! There is nothing worse than getting coverage for something you don't need or paying extra for something you won't use. If you're serious about getting coverage show that to the broker and company and make sure you don't over spend.

You don't need to lose money in regards to protecting your family with good insurance, so don't miss out on the short term coverage that exists for you. You need to make sure that you're not uninsured when something happens, be ready and be covered for sure.

Please follow the links for exclusive special offers on short term health insurance and catastrophic health insurance.

Article Source: http://EzineArticles.com/?expert=Allen_N._Jesson

Answers To Common Questions About Health Insurance.
How to Select a Health Insurance Plan
Types of Health Insurance and More

Cheaper Health Insurance - Low Cost Health Insurance is in Reach of Everyone Including You!

By Andy Ryan

The economic crisis that affected the whole world has affected everyone especially the people who lost their jobs and is currently unemployed. Losing your job could mean losing his health insurance as well.

With the never ending job layoffs happening worldwide, a lot of people are unemployed. It goes without saying that when a person loses her job, he would also lose his healthcare coverage. Now that the number of people losing their jobs is growing, the need for a cheap health insurance grows as well.

The so called "in betweens" are not just the people who lost their jobs, it also includes the ones who are working part-time, therefore not eligible for company-sponsored insurance policies. "In betweens" also include current college and high school graduates, those who were just discharged from military service, as well as the retirees. All of these people are in need of cheap health insurance plan for them to be covered.

The short-term coverage is not for long-term purposes. It usually do not cover preventive care and regular checkups. A person with pre-existing condition may not be even allowed to buy short-term health insurance. But for those who can avail, it can be one good alternative to keep an emergency coverage for major events and in between jobs.

To see these programs, check out what large insurance companies offer. The insurance company who handles your insurance while you were still employed is a good one to start your search with.

For people are who are in this "in between" situations, it is quite comforting to know that a lot of low cost health care insurance are being offered. The best place to find the right low cost policy is on the internet, with so much competition between insurers you are guaranteed to find to save money.

Here is the #1 resource I found for Cheaper Health Insurance, for the Cheapest health insurance just click here now

Article Source: http://EzineArticles.com/?expert=Andy_Ryan

Answers To Common Questions About Health Insurance.
How to Select a Health Insurance Plan
Types of Health Insurance and More

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Tuesday, October 6, 2009

Update Oct. 06 - 2009 All About Health Insurance Information By Insurance Experts

Best Health Insurance - How to Get Right Health Insurance at the Right Price
By Andy Ryan Platinum Quality Author

In today's world, acquiring the right health insurance is an important thing everyone should have. Everyone can get ill at any given time and if you do not have the right insurance, there is a possibility that you will be refused any form of treatment for your condition. Most of the time, people do not realize this not until they need treatment.

If you are employed in a small scale business or company, it is important that you ensure you have the right insurance and that you are completely covered with its benefits. A lot of people try to leave out getting covered and even when something minor happens, this can cost a lot with regards to treatment. It can wipe out your entire savings.

US President Obama has recently stated that health insurance plans usually leave people without adequate cover and that is the reason why people need to make sure that they get the cover they need.

How do you find the right insurance that covers your entire needs?

1. You should decide which insurance plan you can afford and the scope of cover you will need. If you are healthy enough to handle minor health problems then you will need a different scope than those who have existing conditions.

2. You can search over the internet and compare the different levels of cover with regards to their corresponding rates. Searching the internet for quotes is much better than having a person calling you over the phone and sell you a plan that is not beneficial to you.

The best way for you to get the right quote is to search for a website that will instantly find the right quote and the right insurance plan for you and get you the cover that you need.

Here is the best resource I found for Best Health Insurance, for the best health insurance quotes just click here.

Article Source: http://EzineArticles.com/?expert=Andy_Ryan

Inexpensive Health Insurance - Why Does Health Insurance Cost So Much and How to Slash the Cost
By Andy Ryan Platinum Quality Author

Every year, health insurance companies are becoming more honest in explaining why policies cost so much.

These explanations are visible in the articles that these companies have printed. Health insurance costs are expensive due to a number of factors such as new improvements on drugs and medical equipment, general inflation, rises in hospital and professional fees, increase in customer demand, government orders, fraud, litigation and cost shifting.

But aside from these factors, the real reason behind the high insurance cost is because there is a difficulty in monitoring healthcare costs. Making these insurance policies expensive will minimize the amount of money used on healthcare.

Almost 40% of healthcare related fees are due to avoidable conditions that are a result of lifestyle choices. Such conditions are tobacco, stress, obesity, poor diet and lack of exercise.

On a daily basis, most people make these choices that can ultimately intensify healthcare demands. If people will live healthier lives, they do not only give themselves opportunities to live longer but they can help lower healthcare costs.

Lowered costs are beneficial to the public because it makes everyone have a chance to possess their own health insurance policy. Although it is almost impossible to eradicate lifestyle related conditions, a better option would be to improve each individuals own choices.

In doing this, the money spent on healthcare will be reduced. When the need for healthcare is low, insurance costs will also be lowered and everyone can be able to avail of these health insurance policies.

If you cut out smoking and cut down on drinking and take steps to reduce stress this will make you healthier and by getting a check up from your doctor this will enable you to cut your health insurance costs.

If you are looking for cheaper insurance the best place to find what you want is on a price comparison website.

Here is the best resource I found for Inexpensive Health Insurance, for the best health insurance quotes just click here

Article Source: http://EzineArticles.com/?expert=Andy_Ryan

Health Insurance Not Attractive With Good Deals
By Addi Vardhaman

When foreign tourists are coming to India, the country is not standing safe from the danger of swine flu. When a viral fever attacks many are advised to take bed rest and many gets critically ill. Even a mosquito is creating the danger to the length. In all, India is not so much protected from diseases which is causing danger to lives and no city and no state is out of danger in the current conditions. So the question arising here is 'Why some people are not going for health insurance'.

If an individual is not having a health insurance policy in his hands then he has to pay all the medical expenses from his pocket which affects the financial position of person to a higher level. Illness among kids are a common thing but leaves the financier of the family in a mess. And if its is the time to pay for the surgery of a family member then no one can predict the expenses.

A beneficial health insurance policy from a good company is the solution for the problem which is not considered by many in the current economic climate where recession has forced the investor to consider an insurance policy as an investment and analyze whether it will yield returns or not. There are many general insurance companies present in the market with beneficial health plans like Reliance Health Insurance, HDFC Ergo and ICICI Insurance company, but are not able to collect so much premium income because of people's less trust on the private insurance companies.

The global economic slowdown has resulted in the change of mentality where not many are interested in investing their money in any plan or policy, which is not giving out assured returns so why should any one go with a term or health insurance policy where no assured benefit is present. But one has to consider the risk factor before deciding over the investment options. Whether the share market is still or volatile, economy is growing or declining, one cannot ignore the life and health related risks in his/her life.

In the pressure of not investing in private insurance companies, the insurance seekers ignore some very much beneficial plans like individual mediclaim, Reliance Healthwise and Reliance Critical Illness provided by Reliance Health Insurance in which it offers the benefits of 7-8 surgeries, lower premium family floater plans, TPA support and cashless facility along with the tax benefits under Section 80D.

Similarly ICICI Insurance company has also made its mark in the market by establishing itself as a brand in the insurance industry by providing the health insurance plans like Health Advantage Plus, Personal Accident and Hospitalization Cover. These plans also provides some relief to the policy holder at the time of accident or critical illness. The Hospitalization Cover here is the family floater plan where one can insure the health of its family at the cost of one health plan.

Talking of family floater plans, HDFC Ergo, the general insurance company also provide a beneficial plans where one can include his parents in the plan. So, the analysis says that the private sector health insurance companies are standing with some beneficial deals in hands despite of getting a hit from global economic slowdown.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the ICICI Insurance and Reliance Health Insurance.

Article Source: http://EzineArticles.com/?expert=Addi_Vardhaman

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Friday, August 28, 2009

Update August 28, 2009 All About Health Insurance Information By Insurance Experts

Looking For Low Cost Health Insurance? Follow These 3 Tips
By Rick Swanson Platinum Quality Author

Even though the economy continues to struggle, it seems as though prices for most things continue to rise. Families everywhere are working harder and harder to make their dollars stretch. Unfortunately, one of the most important things of all, health insurance, is no different. Even healthy people are seeing their premiums rise for no apparent reason, so what can you do to get the very best rates possible? Well, in this short article we'll give you few helpful pointers to help you get low rates and keep them that way.

Tip #1 - Don't buy too much coverage. One of the biggest mistakes people make when buying coverage is getting benefits that they don't use. For example, a single man shouldn't be carrying maternity coverage. Other things that you may be paying for but not realize it include acupuncture or chiropractic care. Of course, if you want to make use of these things, that's fine but otherwise exclude them. By doing so, this will add up to some significant savings to you over the long run.

Tip #2 - Raise your deductible. In case you didn't know, the deductible is the amount of money you have to pay yourself until the insurance company begins paying. The higher your deductible is, the less the insurance company has to pay. Therefore, they give you the benefit of doing this by lowering your monthly premiums. Remember that raising your deductible can lower your premiums but if you don't have the money saved up to pay the deductible when you make a claim then raising your deductible becomes pointless.

Tip #3 -Consider paying cash at your physician's office. When you pay cash at the doctor's office, you save them money since they don't have to pay fees to credit card companies and when paying cash, you can sometimes get a cash discount. However, the way this impacts insurance has nothing to do with saving your doctor money. Rather, when you pay cash, you don't make a claim against your policy. Therefore, the likelihood is high that your premiums will be lower in the future since part of the calculation behind your rates is how often you use your insurance.

We hope that these brief tips have given you some ideas about ways that you can save some real money on your health insurance. Even though it may take a little effort on your part it will be well worth it since it can pay big dividends for a long time to come!

Rick enjoys writing articles on a wide variety of topics and interests. His newest interest is lower back pain and treatment. So come visit his latest website that discusses back relief products such as lumbar support pillows and back support pillows that can help to provide relief and comfort for those struggling with lower back issues.

Article Source: http://EzineArticles.com/?expert=Rick_Swanson

Saturday, August 8, 2009

August 08, 2009 All About Health Insurance Information By Insurance Experts

How to Save Money on Health Insurance - Lowering Your Premiums
By Jared J. Balis Platinum Quality Author

There are a few simple ways to save money on your health insurance premiums. By following these simple steps you can optimize your coverage and lower your monthly premium.

Raise Your Deductible

By raising your deductible you can keep quality major medical coverage and lower your monthly premium. When you raise your deductible you are telling your health insurance company that you will take on more risk up front, before they are responsible to cover your medical expenses. Because you are willing to do this, the health insurance company will most likely give you a significant rate reduction. Most of the time it's fast and easy to raise your deductible. Call your agent or your insurance company and make the request.

Switch Health Insurance Companies

You can save money on your monthly premiums by switching insurance companies. Different insurance companies determine their monthly premiums differently. For instance, some companies charge for a family whether you have three or seven children. Other companies charge you for three children if you only have three children. They charge you for seven if you have seven. It's important to make sure the company you are insured with has a rating structure that is favorable for you or your family.

Re-Apply

Many health insurance companies will allow you to re-apply you apply for the same plan you are currently on, to lower your rate and keep the same coverage. When you apply for health insurance, the insurance company puts you in a group of individuals and families. Over time that group of people end up with medical expenses and claims. When your plan renews each year, your rate increases because of medical inflation, but also to cover the collective claims in your group. Re-applying allows you to put yourself into a new group that is freshly underwritten, so you are only paying for inflation on your annual renewal, not existing medical claims for your original group. It makes sense to reapply every two or three years.

Follow these three easy steps to saving money on your health insurance premiums. Find out how much you can save by completing this simple form and requesting a free quote.

Also, to learn more about plans that can save you a significant amount of money each month, visit my catastrophic health insurance site. While you're there, be sure to claim your free copy of my eBook titled "Seven Money-Saving Health Insurance Tips.

If you found this article helpful, I would appreciate your help in rating it using the five star rating system below. Thank you and good luck in your search for an affordable health plan!

Article Source: http://EzineArticles.com/?expert=Jared_J._Balis

Cheap Health Insurance - Get the Right Policy and Don't Overpay
By Gary Pierce Platinum Quality Author

Cheap health insurance is obtainable. Good health insurance is also obtainable.

The key is to get the right policy and most important do not overpay.

Up front realize that I hate to pay for insurance of any kind. It is one of my biggest monthly expenses. When I do purchase health insurance I make sure I pay as little as possible.

The very best cheap health insurance is to stay healthy. It is not all that difficult to get regular exercise and to eat properly. The more attention you pay to these areas the less you will have to pay for insurance. You will feel better physically and feel better mentally because you know you are taking care of the only body you have.

If you take those two steps you won't be needing the same type of insurance that a person who does not exercise and eat right.

It is common sense, if you know you are taking care of yourself, you can get by with catastrophic insurance. These are high deductible, you pay for all doctor visits and drugs (hopefully you don't need any), these policies have the cheapest premiums. Your healthy lifestyle gives you the best cheap health insurance.

By catastrophic we mean an unexpected illness or injury. If you are diagnosed with a serious disease you won't be wiped out financially.

Having no insurance at all when you could afford a catastrophic policy is just too risky. It is easy to find out how little they cost.

So how do you get the right policy and pay the least money?

Simple ...you go online and provide your zip code, gender, smoke or not, and whether or not you are a student. That is it. The thing I like is no phone number is required...in less than a minute you will have a 100 plus quotes, with premium costs. Now that is comparison shopping.

If you zero in on a certain cheap policy you can find out instantly if your current doctor will take this policy. Then and only then do you fill out an application...the other way you give your life story to a salesman who then may come back with an expensive premium. Don't waste your time.

Interested? It is free, no obligation. Cheap health insurance is easily obtainable.

Gary Pierce is the webmaster of http://www.frugal-retirement-living.com. He retired early at 49, he is still retired at 63. He has experience in lifestyles that are both fulfilling and frugal. Get cheap health insurance here. It is 2009 and many are wondering if they can ever retire. Don't give up until you check out this website. Enjoy.

Article Source: http://EzineArticles.com/?expert=Gary_Pierce

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Saturday, August 1, 2009

All About Health Insurance Information By Insurance Experts

Save Money on Health Insurance - Reapply With Your Current Insurance Company
By Jared J. Balis Platinum Quality Author

If you have had the same plan with the same company for two or more years, and if your insurance company will let you re-apply for the same plan, (or a different plan) consider sending in a new application.

Why You Pay More and More as the Years Go By

Typically insurance companies will approve a group of individuals and families at the same time and put them in the same "rate group." The members of that group will experience annual rate increases. For example if someone gets a 16% rate increase at their annual renewal, 12% of their annual rate increase might go to pay for inflation in the medical industry, and the other 4% might go to pay for the collective claims in that group.

That's fine if you are the one using your health insurance plan. But if you are one of the individuals or families in that group that remained healthy throughout the year and didn't use their benefits, you will may get tired of paying for someone else's medical care.

Save Money on Health Insurance Premiums and Keep the Same Coverage You Have Now

What you can do, is put your family or yourself back into a freshly underwritten group of individuals and families, where there are no unexpected claims or health problems. Rates for new applicants may have only been going up 12% a year, for example, which is just enough to cover medical inflation. You will most likely get a lower rate if your reapplication is approved. This is especially true if you have had the same plan for many years, as the "16% rate increases" have been compounding each and every year.

Find out if your insurer will let you reapply. If so, reapply.

For help re-applying to your current insurance company, or to review the options available to you, contact a local agent by completing this short and easy form.

To receive your copy of my free eBook titled "Seven Money Saving Health Insurance Tips" subscribe to my free "Valuable Health Insurance Tips and Tools" newsletter by visiting my website!

Article Source: http://EzineArticles.com/?expert=Jared_J._Balis

Save Money on Health Insurance - Tweak Your Coverage
By Jared J. Balis Platinum Quality Author

There are a number of things you can do to keep high quality coverage and save money on your health insurance premiums at the same time.

Lower Your Co-Insurance Percentage

Most plans cover 100%, 90%, 80%, or 70% of your medical expenses after you meet your deductible. If you have the option to lower your co-insurance percentage, consider moving making the switch to lower your monthly cost. Most plans will have out-of-pocket maximums (the maximum amount you would pay per year for all covered services, in the event of a catastrophe) to protect you in a major event, so it's not as bad as it sounds.

For instance, my out-of-pocket-maximum is $3,000 for the year. That's the most I would pay in one year, period. Changing your co-insurance percentage to a lower level might raise your out-of-pocket maximum or total risk a little bit. Find out the details before you make the change.

Drop Your Accident Benefit

Sometimes accident riders are a good benefit to have. They typically cover the first set dollar amount of an accident, before you are required to pay toward your medical deductible and co-insurance. Accident riders can be beneficial especially if you have kids. However, if you can do without this benefit, find out how much it will save you to drop it, if that's an option.

Reduce Your Annual or Lifetime Maximum Benefit

Some plans have very high lifetime maximums. I have seen them as high as $25,000,000. Also, you may be able to lower your annual benefit maximum. Only consider making these two changes if you feel confident that your maximum benefits are substantial. Even then, it's good to consult your agent.

Save money on health insurance coverage - tweak your benefits

For help changing your current benefits, or to review the options available to you, contact a local agent by completing this short and easy form.

To receive your copy of my free eBook titled "Seven Money Saving Health Insurance Tips" subscribe to my free "Valuable Health Insurance Tips and Tools" newsletter by visiting my website!

Article Source: http://EzineArticles.com/?expert=Jared_J._Balis

Student Health Insurance Plans
By Clarissa Winegarten Platinum Quality Author

Youth represents the future of a country and it's imperative to ensure their protection. They live in a fast world filled with lurking dangers. Road accidents have become so very common and it is the student population who are mostly affected by them. Their emotional make-up could also be responsible for such dangers.

Some have a do or die nature which constantly lands them in trouble. They are also easily prone to infections. Therefore it is advisable for them to take out student health insurance plans to ensure protection of their health.

Insurance companies have realized the potential of these student insurance plans and have come up with attractive options for students. Even the state authorities stress on the protection of student health by promoting various insurance schemes.

Students today enjoy a lot of freedom. No wonder they are prone to accidents and various types of infections. Parents spend large amounts of money in educating their children. An additional expense in the form of medical treatment could prove to be a huge financial burden for them. Therefore taking out a health insurance policy is the best way to lower this burden.

The choice of health insurance depends on the requirements of a particular student. Make sure to opt for one which enables you to make use of its advantages. Understanding an insurance plan is the most vital aspect involved in the selection of health insurance plan for students. An in depth analysis of various health insurance policies available should be done. The best way to get all information is through the Internet.

All reputed medical insurance companies promote their policies through their websites. All details, advantages and conditions to avail them are specified there. Rate comparison between different company policies can be made. Finally opt for one which you believe would yield you the best results.

The best way to find the cheapest student health insurance is to shop online for the best student health insurance coverage offering the benefits you need at a rate you can afford.

Article Source: http://EzineArticles.com/?expert=Clarissa_Winegarten

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A Brief History of Health Insurance
By Billings Farnsworth Platinum Quality Author

Health insurance is a concern to every American. The costs of health care without the assistance of health insurance provider can be astronomical. Especially now, with the fragility of the current economic climate, health insurance is a major concern.

The origins of health insurance began in the United States as early as the mid-1800s as "accident" insurance, which operated much like the disability insurance of today. Often this coverage was related to accidents caused by rail or steamboat. These early coverage plans laid the foundation for more modern comprehensive medical and health coverage. The first group policy providing comprehensive coverage was offered in 1847 by Massachusetts Health Insurance of Boston. In 1929 a group of teachers in Dallas, Texas contracted with a local hospital for room, board, and medical services for a fee.

In 1940s and 1950s major steps were taken in the direction of modern health benefits when unions bargained with employers for benefit packages and tax free employee sponsored health insurance. During war time, wage freezes helped the proliferation of health insurance as employers used better benefit packages to attract employees since they could not pay more.

In 1965 the United States government created the Medicare and Medicaid programs. By that time, private sources still paid 75% of all health care costs. But by 1995, the government was responsible for about half of the nations health care costs. Today, because the extraordinary cost of health care, many politicians are pushing for a more European style of free health care. However, there is much debate on the subject. Americans still rely on health insurance providers for low cost health care.

WyoHealth is a Wyoming health insurance company that provides the residents of Wyoming with comprehensive health insurance coverage. Billings Farnsworth is a freelance writer.

Article Source: http://EzineArticles.com/?expert=Billings_Farnsworth

Health Insurance Lifetime Maximum
By Corinne Mitchell

The Health Insurance Lifetime Maximum of your plan is the total amount of money the insurance company will pay for the entire time you have coverage under that plan. Once you reach that amount, your plan will not pay for any more of your medical expenses.

What Are The Limits?

The maximum amount that the insurance company will pay varies from policy to policy, with the typical amount being between 1 million and 5 million dollars. There are some polices though, that only contribute a total of less than 1 million dollars over the lifetime of the policy.

On a brighter note, although not as common, there are policies that have an unlimited lifetime maximum.

Why Are There Limits?

Insurance companies set these limits to keep their total possible liability for a health insurance plan as low as possible.

Keeping these limits lower also keeps the premium rates lower. All of the guidelines of the plan, including the lifetime cap come into play when insurance companies set the cost of the insurance plan. A plan richer in benefits is going to cost more.

For instance, a health insurance plan with a high deductible and a low lifetime cap will cost less than a plan with a low deductible and unlimited lifetime benefits.

Similarly, when the annual deductibles of two plans are the same, the plan with a higher lifetime maximum will cost you more.

Should You Be Concerned?

You and your family members may be in perfect health and can never foresee that any one of you could possibly incur medical bills as high as one to five million dollars. And quite frankly, I hope you never do!

But, with the rising costs of medical treatment for conditions such as open heart surgery, cancer, organ transplants and chronic illnesses, it isn't that difficult to reach those amounts in a short amount of time.

If you want to be sure to be covered for all medical expenses for the duration of your coverage under that policy, look for one with a higher lifetime limit or one with no limit. To lessen the cost of these plans, consider accepting a higher annual deductible.

P.S. Consider this ~ A coverage cap of $1 million in the 1970s would have had to grow to more than $10 million today to keep pace with inflations and costs.

Corinne Mitchell has worked in the insurance industry for 10+ years and currently works with the Group Insurance Benefits Specialists at http://www.nicoins.com

Read her blog http://www.groupinsurancebenefitsspecialists.com/ for more tips.

Make sure you get expert advice and find the right coverage for you and your employees.

Article Source: http://EzineArticles.com/?expert=Corinne_Mitchell

Save Money on Health Insurance - Health Savings Accounts (HSA's)
By Jared J. Balis Platinum Quality Author

Consider Using a Health Savings Account With Your Medical Plan

Health savings accounts are financial accounts that you can own and use, if you have a health insurance plan that is classified by the Internal Revenue Service as a "Qualified High Deductible Health Plan." You will find that many catastrophic-type plans are likely to be "qualified" for use with an HSA.

The big advantage of owning a health savings account is that you can deposit money into the account pre-tax. When you need medical care, you can use the balance in your health savings account to pay for your medical expenses, tax free. Check the IRS's website for a complete list of medical expenses you can pay for out of your HSA.

Another great feature of the HSA is, if you have a balance when you retire, you can use the balance in your account to supplement your retirement income. You just pay taxes on it when you take it out. Or, you can use it to pay for long term care premiums and some Medicare related products. Best of all you save on your health insurance premium because you chose a high deductible health plan. On top of that, you pay less in taxes and you own another potential retirement vehicle. If you own or buy a high deductible health plan, make sure it's a plan that's "qualified" by the IRS.

Save money on health insurance by switching to a plan that allows you to take advantage of an HSA!

To find out about plans in your state that are qualified to use with health savings accounts, contact a local agent by completing this short and easy form.

To receive your copy of my free eBook titled "Seven Money Saving Health Insurance Tips" subscribe to my free "Valuable Health Insurance Tips and Tools" newsletter by visiting my website!

Article Source: http://EzineArticles.com/?expert=Jared_J._Balis

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Understanding Health Insurance Underwriting Process
By Florida Dy Platinum Quality Author

When looking for a cheaper health insurance plan, a basic comprehension of the underwriting process of an insurance company may become invaluable. The possibility of provision and the coverage cost under consideration will be determined by the underwriting.

The underwriting procedure differs for health insurance of an individual and family or group. The underwriter keeps in mind the possible risks and dangers that the insurance company might be undergoing by providing such policy while evaluating the cost of an individual health plan. The age of person, his lifestyle, the health status of the person, and the previous ailments and medical history are the factors that affect the estimation of risks or dangers. The underwriter can not separately judge each individual in a group but instead, the underwriter will consider the hazards of the company before when insuring the group. This is done by providing insurance to groups that are similar. If you will try to observe and come up with a conclusion, you can say that having insurance for health in a group is cheaper than having it as an individual. Though they are in a group, the price of the premiums to be paid will still depend on the age and the health of each person and that will determine certain additions or exclusions for each individual cost.

All you have to do when applying for health insurance is to provide your basic information which includes your lifestyle and general health. You will undergo questionnaires and even interviews and you must expect some questions that concerns smoking, previous illness and treatments, exercise, and so on.

Florida Dy
Author at EzineArticles.com
Also at Health Insurance provided by oneshopinsurance.com

Article Source: http://EzineArticles.com/?expert=Florida_Dy

Best Health Insurance Companies and Profiles
By J.J. Yong Platinum Quality Author

In our advance times, insurance has taken its positions as a billion dollar industry that never fails due to its importance in the lives of many. As more and more companies pop up within our market today, it has been said that they all compete for top place among each other providing quality protection and good services. To lay out the facts, here are the top health companies and profiles.

First, it would be The National Insurance Co. Ltd. This company serves the needs of several businesses in India. With a total of 180 insurance plans, this company can guarantee their clients their financial securities by the many bonds they hold with various commercial banks, non-banking financial institutions, automobile manufacturers, NGOs and government agencies.

Next, SBI Life Insurance Co. Ltd which has a venture with the State Bank of India and Cardiff SA of France. Standing as the largest of all banks in India, there are about 14,000 SBI groups of network branches around the world.

Following that is Aetna Life Insurance Co. Ltd. This is one of the most active health insurance companies in the US. Covering about 15 million individuals and 13 million dental plan members, with 10 million pharmacy members, Aetna offers a broad range of traditional and consumer-directed health insurance products along with related services as well as medical management capabilities and health care management services for Medicaid plans.

Then comes CIGNA Corporation which is the top health insurance provider in the US which offers health coverage in the form of dental, vision, pharmacy, and behavioral health. Also, this multinational company has managed to build its name internationally around Asia, European Union, and Chile. Subsequently, UnitedHealth Group Incorporated has also made it far as it's known as the second largest insurance provider and it specializes in dental and vision care.

In conclusion, the health insurance industry is a competitive one but a successful one nevertheless. It can be said that as time progresses, there would be more and more companies building up.

For more information about health insurance companies and profile and health insurance plan, visit CommonHealthInsuranceFacts.com

Article Source: http://EzineArticles.com/?expert=J.J._Yong

How Much Does Health Insurance Usually Cost?
By Ian E. Wright Platinum Quality Author

The average cost of health insurance is difficult to measure precisely. The mean cost in 2008 of insurance from an employer was $4,700 per annum for an individual, and $17,700 per annum for a family of four, according to Kaiser

It is normally agreed that cover purchased by the customer without either administration aid or through an employer's collection health plan will cost considerably more. People in California who use COBRA will spend $380 per month on premiums, though this can be offset somewhat through subsidization.

According to the US survey government department 84% of US populace have well being care, and only 9% obtain it in confidence. The remainders are receiving cover through a company provided plan, or from side to side some form of subsidize administration program. The outstanding 16% of the land is uninsured. That gives you an idea of how much health insurance costs.

If it is unspoken that, for the average user, an autonomous single indemnity plan will cost greater than the $4,700 conventional for employer-provided health care in the Kaiser study, then it can be understood that privately obtained plans are likely to cost as much and more with the charge rising as age or other health complications are factored in. When you are examining health plans you can use the baseline of the mean expenses of plans provided by employers as a starting point.

Understanding the tenuous situation of today's health care system, it is hard to predict what insurance will cost over any given time period.

The best option is to avail health-care from employer if provided, government-sponsored health care when you become eligible, low-priced COBRA like plans as makeshift if you cannot afford other insurance, and tap facilities at hospitals and clinics if you do not find ways to meet your health care needs otherwise.

This recommendation is however not the most trusting thing. It is, conversely, realistic: the present state of the wealth, the fluid state of the lawful issue of how the American Health Care system is going to be planned, and ever growing rise in health care costs makes any other advice careless.

Ian Wright wants you to save money on health insurance to do so you need to get an instant health insurance quote or visit his site at http://www.quick-online-insurance-quote.com.

Article Source: http://EzineArticles.com/?expert=Ian_E._Wright

Surrogacy and Health Insurance
By Karen Farmer Platinum Quality Author

Most women, who contact surrogacy centers, mostly do so after learning or after being referred by a woman who has either been involve or has served for surrogacy in the past. Many surrogacy centers are located in areas where many potential surrogates live or work. What people should understand is that these are pure agencies and independent health care that offer surrogacy services to couples. It is usual to find many agencies that offer these services all around, but what a couple should consider is going for the very high quality surrogacy services for average charges.

So before venturing into any kind of agreement with any agency, it's always important to first of all explore the many options and resources available to them in order to have a successful out come. One should purposely look for a surrogacy and health insurance agency that meets all mandatory FDA requirements for surrogate screening and revolutionary screening process that can detect tobacco use, in addition to blood and urine tests that can bring to the attention of illicit drugs and alcohol use. It is just because of resent developed technology that allows the detection of tobacco with a perfect accuracy. Therefore, all egg donors and surrogate are thoroughly tested frequently tested for tobacco use and other types of screening. This is important because it instills confidence between the egg donor and the surrogate there fore assuring that only the very highly qualified are made available for the patients. Surrogacy and health insurance legalities vary from nation to nation. Therefore, when persons surrogacy arrangements are being processed, legal counselors immediately involve themselves with the case and they oversee the drafting and signing of the legal contract between the egg donor and the surrogate.

These steps are taken to make sure that most importantly the child and the surrogate are offered protection by law overseeing the matter at hand. Prior to the anticipated delivery, the lawyer to the parents to be, acquires a court order directing the medical record department to include the names of the legal genetic parents on the birth certificate after the baby is born. Therefore the name of the surrogate mother will never appear any where. Then the midwife or whoever delivered the baby signs the complete legal birth certificate and after the record is entered into the vital statistics record, the parents then receive the valid birth certificate from the appropriate government quarters. It is good to note that most women, who engage surrogacy, do so for the purpose of making money.

Others do so because a relative or friend is unable to go through with the whole pregnancy process which might be brought about by health complications, career challenges or other reasons that a person might be having. This is why it is good to contact a surrogacy and health insurance agency before any decisions are made.

There are some countries such as France and UK that don't allow women to be paid for their surrogate services. It is important to note that despite the fact that a woman gets paid for renting her womb, she still exposes herself to birth related complications.

Karen Farmer is the editor of Surrogate Motherhood website. Visit our website for Surrogacy Insurance information.

Article Source: http://EzineArticles.com/?expert=Karen_Farmer

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