June 27, 2006
When Health Insurance Doesn't Cover Your Medical Care
While it's true that the costs for health insurance coverage continue to increase, having a health insurance plan will save you more money in the long run. But no health insurance plan will cover every medical treatment an insured individual needs over the course of his or her coverage period. No matter how good your health insurance is, you may occasionally encounter a medical treatment or condition that is not covered by your health insurance policy. Although these situations are normally confined to elective treatments like cosmetic surgery and liposuction, that is not always the case.
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Posted by HealthInsurance at 06:34 PM | Comments (0)
June 26, 2006
All About Travel Health Insurance
None of us want to think about all the things that can go wrong when we're on that much needed vacation, but the truth is, many things can. You could become ill while away, or you could even get sick right before the long awaited day has arrived and not even board that pre-paid cruise ship at all. Travel health insurance is set up to protect you from all the above-mentioned occurrences and many more but before you purchase this type of health insurance, you need to know what it is and just what coverage to look for.
What Is Travel Health Insurance And When Do I Need It?
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Posted by HealthInsurance at 06:31 PM | Comments (0)
June 25, 2006
Understanding Temporary or Short-Term Health Insurance
There are a variety of reasons that you may find yourself in the market for temporary or short-term health insurance. You may have graduated from college and can no longer be covered on your parent's policy, but don't have a job yet that will provide coverage. You may have lost or left your job and now need health insurance coverage until you find a new one. Or you may have started a new job and have to wait a period of several months before you are covered under their plan. Whatever the reason, going without health insurance coverage, even for a few months, can be a costly gamble. If you find yourself in this predicament, temporary health insurance coverage may just be the key to solving your dilemma.
What Is Temporary Health Insurance Coverage?
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Posted by HealthInsurance at 06:29 PM | Comments (0)
June 24, 2006
The Role of the Health Insurance Broker
A health insurance broker is just like any other type of broker; this one just happens to specialize in the field of health insurance. A broker is somewhat like a matchmaker. His responsibility is to match up those seeking health insurance with health insurance companies that most closely match that person or group's needs.
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Posted by HealthInsurance at 06:27 PM | Comments (0)
June 23, 2006
Health Insurance For Pets
For those of us who own animals and have taken them to the vet's office for one reason or another, we know just how quickly the costs of maintaining a pet add up. Not only can the yearly physicals and immunizations be costly, but add in any unexpected injuries or illnesses and the costs can easily run into the hundreds, if not thousands of dollars. Most of us carry health insurance on ourselves and our family members for this very reason, so why not on our pets too?
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Posted by HealthInsurance at 06:25 PM | Comments (0)
June 22, 2006
One-Size Health Insurance Does Not Fit All
Health insurance coverage and associated costs vary greatly based on whether the insurance is an individual policy (for the self-employed/unemployed), for a small businesses (from 2 to 50 employees), or for a large group. Coverage for group plans is far more comprehensive and considerably less expensive because there are more people paying into the insurance pool making more money available group-wide to cover medical claims.
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Posted by HealthInsurance at 06:24 PM | Comments (0)
June 21, 2006
Understanding Managed Care Plans
Managed Care Plans are the most common form of health care coverage offered in the United States today. Unlike Indemnity Plans, where participants are free to seek medical attention whenever and wherever they feel necessary, Managed Care Plans are much more restrictive.
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Posted by HealthInsurance at 06:22 PM | Comments (0)
June 20, 2006
Understanding Indemnity Care Plans
For years, Indemnity Care Plans were the most popular type of health insurance coverage. However, because medical costs have continued to soar, this is not longer the case. Although still the first choice of many, more people these days are switching to managed care plans; not necessarily because they want to, but rather because these plans are the ones being offered by their employers. For clarification, Indemnity Care Plans are frequently referred to as 'fee for service' plans.
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Posted by HealthInsurance at 06:20 PM | Comments (0)
June 19, 2006
Health Insurance Fraud
Don't be Victimized by Health Insurance Fraud
It's unfortunate but true: health insurance fraud is prevalent in our society and it's not always possible to protect yourself from becoming a victim. In fact, most people won't even know they've fallen prey to health insurance fraud until they submit a claim for a medical service that they think is covered under their policy. It's often not until after a claim is denied that most people realize they've been a victim of health insurance fraud.
How to Spot Health Insurance Fraud
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Posted by HealthInsurance at 06:17 PM | Comments (0)
June 18, 2006
Health Insurance For Children and Students
Health insurance coverage for children, as well as college students, is critical. Finding a health insurance plan that fits your needs and price range can be difficult, but with some guidance, is possible.
Children's Health Insurance...
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Posted by HealthInsurance at 06:15 PM | Comments (0)
June 17, 2006
Health Insurance Costs Explained
Have you ever taken a moment to have someone explain health insurance costs to you? We know that health insurance costs just keep going up and up, but how do these spiraling costs affect your health insurance coverage? You know the amount you're paying every month for your health insurance premium, so it's easy to know when this cost increases, but what about all the other costs involved with health insurance? Do you know what they mean? Before you're hit with an excessively large medical bill, read the following explanation of health insurance costs.
The Premium...
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Posted by HealthInsurance at 06:13 PM | Comments (0)
June 16, 2006
The Health Insurance Claims Process
Having health insurance is one thing, but what happens when you need to file a health insurance claim? Unfortunately, there's no one straightforward answer to this question. The reason is because every type of health insurance plan generally includes its own way of handling claims. And when you stop and consider the number of companies offering multiple types of health insurance policies, you can begin to understand why answering such a seemingly simple question can be so complex.
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Posted by HealthInsurance at 06:11 PM | Comments (0)
June 15, 2006
Health Insurance Benefits
One thing that's important to understand when researching health insurance benefits is that each policy includes its own set. It's easy to make the mistake of assuming that features or health coverage exists when they don't. However, these types of assumptions not only are wrong, but they could one day leave you facing insurmountable medical bills.
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Posted by HealthInsurance at 06:09 PM | Comments (0)
June 14, 2006
Individual vs. Family Health Insurance Plans
With the ever-growing cost of healthcare in the USA, finding the right health insurance plan that fits into your budget isn't always easy. Knowing what you need to accomplish with a health insurance plan and just who and what needs to be covered by it will help you to decide what type works best for you and your family.
Individual Health Insurance Plans
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Posted by HealthInsurance at 05:59 PM | Comments (0)
June 13, 2006
The Difference between Health Insurance and Life Insurance
Health insurance protects the insured against incurring extensive medical expenses by offering full or partial coverage for certain medical treatments and procedures. Life insurance, on the other hand, is an insurance policy that pays out the face value of the policy, in a lump-sum payment, to the person designated as the beneficiary, upon the death of the insured.
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Posted by HealthInsurance at 05:57 PM | Comments (0)
June 12, 2006
How To Choose A Good Health Insurance Plan
Things to Consider in Choosing a Good Health Insurance Plan
Do you know what things to consider in choosing a good health insurance plan? With so many different options, it's difficult to know just what to look for. But the number one thing to remember when you're choosing a good health insurance plan is that your decision should never be based solely on the cost of the monthly premium. You've got to read the details of the health insurance plan including what it does and does not cover, the in-network versus the out-of-network coverage and costs, the co-payment amounts, the deductible amount (per family member, if applicable), and the coverage caps.
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Posted by HealthInsurance at 05:53 PM | Comments (0)
June 11, 2006
How to Apply for Health Insurance
You've done your research, compared prices based on comparable benefits and now you're wondering how to apply for health insurance. Whether you apply online or off will depend on your comfort level and also whether you're applying via a group plan. Before applying, it's a good idea to have available information about your most recent insurance policy, and the names and addresses of your (and your family's) doctors and the dates of the most recent visits handy as you may need this information when filling out your application.
How to Apply for Health Insurance through Your Employer
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Posted by HealthInsurance at 05:50 PM | Comments (0)
June 10, 2006
What You Need to Know About COBRA Insurance
COBRA, also known as 'The Consolidated Omnibus Budget Reconciliation Act' of 1985, is a federal law that ensures that a person's health insurance coverage will continue for up to 18 months after the date of his or her termination. Most companies that offer group health insurance to their employees are subject to COBRA and certain situations can extend this deadline from 18 months to 29 months and even up to 36 months.
Who Benefits from COBRA?
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Posted by HealthInsurance at 02:39 PM | Comments (0)
June 09, 2006
What is Health Insurance?
Health insurance coverage varies greatly, but basically it is a type of insurance policy that pays a pre-negotiated percentage of a policy holder's covered medical treatments. Do you really need health insurance or can you live without it? The answer depends on whom you ask and the question is not always an easy one.
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Posted by HealthInsurance at 06:33 PM | Comments (0)
