All About Health Insurance: All About Health Insurance Information By Insurance Experts

Individual Health Insurance - Can You Afford to Purchase Your Own Policy?
By Alicia Stone Platinum Quality Author

Although health coverage is important, many people avoid purchasing it because they believe they can't afford it.

However, if you ask yourself the following to questions, you might just find that purchasing an individual health insurance plan is within your means after all.

1. How Much Money Do I Have To Spend?

It's true that health coverage is important, but you don't want to spend so much money that you don't have the funds to cover your basic needs like shelter, clothing, and food. If you don't choose an individual health insurance plan that works with your budget, you'll either end up without enough money to pay for your basic needs, or you'll have to let your policy lapse.

Spend some time looking over your usual bills and figure out how much money you have left each month. If you have enough, is it enough to pay for an individual health insurance plan? If you don't have enough, are there monthly extras you can cut back on?

2. What Are the Kinds of Coverage I Absolutely Need?

You might think you need to purchase an individual health insurance plan with the most comprehensive coverage package; however, even if you have the budget to do this, it doesn't always mean you should. Some of the most comprehensive plans offer coverage that not everyone needs.

For example, people who only take prescription medications once or twice a year probably wouldn't benefit from a health plan that covers prescription medicines. Because they don't need them very often, these people could probably save money by just paying for those medications out of pocket.

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

Getting Health Insurance For Your Dog
By Danny Peterson Platinum Quality Author

We all know how having health insurance impacts our life. We complain about the premiums until something catastrophic actually happens where the policy has to pay out thousands or hundreds of thousands of dollars that we would not have had and then we are grateful for it once again.

But how many of you were aware that you could get a policy to cover your dog health? Not many I wager. In fact it is a subject that not many people think about. I mean they are just animals after all. That's what many people say when they are asked if they have thought about dog health insurance.

That is until the first time they have to take the beloved four-legged family member in to see the vet to have something taken care of. At that point they see that it is expensive to have the pet taken care of. In fact in some instances it can actually cost more to have similar things done on a dog than it does on a human. Part of that is because unlike us, the dog can't tell the doctor that this or that hurts or that he or she is experiencing this symptom or that one. It is up to the vet to run tests to find that information out. And those tests can prove to be fairly costly.

Even the cost of having a family pet put to sleep can run into a large outflow of cash. And by the time you get to the point of needing the dogs health insurance it is not something that you can buy. Most vets at that point offer financing or payment options to cover something that insurance would have handled for literally next to nothing.

So you weigh the options. The family dog health against your wallet and see where your bottom line comes out. Americans are great gamblers and this decision is a gamble there is no doubt about it. Animals are generally fairly self-sufficient and as a rule don't manage to have anything that can't be handled well by rest and normal Mother Nature. However as we know and have seen the world is far more polluted and full of carcinogens today than it was even a few short years ago. If your dog is an indoor only pet, there is certainly less chance of strange things happening but if he or she is out of doors a lot there are more things out there in the "wild" than you can imagine that can cause serious harm to your pet.

Dog health insurance is not something that we like to think about. Not when it comes to our family and certainly not for the family pet. But dog health is an issue that every owner is going to face at some point in time. Puppies are inquisitive and more prone to accidents and older dogs are more susceptible to old age type problems, so there really is no way to rule out an age group as not needing coverage.

Keep Your Dog Healthy By Getting The Right Dog Health Advice

For Dog Health Info Visit: http://www.doghealthadvice.org

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

Importance of Health Insurance Cashless Claims Settlements For International Students
By Ray Sondeo

What if as a foreign student you accidentally get hospitalized and you don't have cash on hand. You present the hospital administration your insurance ID card and are they insist that you make a payment upfront. How on earth when one is injured find the nearest ATM in a country that is new or foreign?

These are just one of the common problems faced by international students due to their insurances not offering direct cash-less settlement of claims. If you are a foreign student desirous of preventing such occurrences then make sure that you avail insurances for foreign students from a trustworthy provider.

Cashless claims settlements enable foreign students to be treated at hospitals and facilities by just showing their medical card. Through cashless settlements, your foreign student health insurance provider will settle the bill directly easing you the financial burden.

Through a simple phone call the emergency help at the insurance company can arrange an ambulance on a special request or instruct the hospital to ready your room and also coordinate with the surgeon. In addition, the great thing about this is that there are no additional charges when you avail of cash-less settlement of claims.

Insurance companies typically maintain a preferred list of hospitals for direct cash-less settlement of claims. The same type of claims settlement is available for doctor office visits as well; in other words the insurance company can settle the bill directly with the doctor's office.

Also, it is comforting to know that there is no age limit for obtaining the direct cash less claims settlement through insurance companies. International Students and their dependents can benefit from direct cash-less settlement of claims in the US.

While choosing your foreign student insurance make sure direct cash-less settlement of claims is offered with your foreign student health insurance. This is in an important feature that is often overlooked by those new to the US. Seek the help of a good agent in finding an affordable plan.

Your International Student Advisor at the University or College can sometimes help you in selecting an appropriate plan. The University may require certain insurance waiver forms to be completed by the insurance company.

Ray Sondeo often writes about health and travel insurance.

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

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