Tag: HMO

The Things That Everyone Needs To Know About Health Insurance

So you think that you understand your medical insurance plan and you think that you’re aware of all your possibilities. Even if that is the case you are going to most likely find that there are still some things which you are not well versed in when it comes to health insurance. Did you know that:

-Even good health insurance coverage can have large loopholes? At first glance you may feel that you have a good health insurance plan and one which covers several various issues that may come up. You might discover that while your doctor’s visits are covered at a really good rate, that you have difficulty with getting your health insurance company to pay for mental health and dental coverage for instance. And while your plan may contain some level of coverage in this area there may be many restrictions and other requirements surrounding the level of care in other areas.

-You are going to have to pay more for choices? Most of the plans that present you with the lowest cost for coverage also have less freedom. HMO and PPO plans provide individuals with exceptional coverage but commonly there are restrictions on the doctors and hospitals which you can go to in order to receive the highest level of coverage. The more flexibility you want from your health insurance plan the more you are going to have to pay.

-You can figure out who’s in a network prior to signing on with an insurance plan? If you are contemplating signing on with an insurance plan then you have the right to request a list of their in network providers beforehand. This will enable you to get a feel for the number of providers available in your area and also enable you to see if any of the doctors you use are included in their plan. Numerous people actually ask their providers in advance if they are part of any specific group and this can help you to obtain an insurance plan that includes the providers you might be already using.

-You can keep your health insurance in the event that you become unemployed? If you lose your job the COBRA program is in place and requires your employer to enable you to maintain your health insurance in place even after your employment ends. Maintaining this level of coverage could be tough on a lowered salary however there are a few government assistance programs in place now to help you pay your COBRA insurance premiums.

Student health insurance is something which is very important to have in order to protect your loved ones while they are away at college. You can obtain free health insurance quotes when you log onto gohealthinsurance.com.

How to Get Low Cost Maternity Health Insurance

Fifteen percent of American women do not have maternity health insurance and face overwhelming medical bills, especially if there are medical complications. Here’s how to get low cost maternity health insurance that could save you from financial disaster.

What is maternity health insurance?

Maternity health insurance is a health insurance plan that includes maternity coverage. As of this writing there are no stand-alone maternity health insurance plans.

You can purchase one of the following types of plans to get maternity coverage:

* An indemnity plan which lets you choose your own doctor and hospital, but is the most expensive type of plan.

* A managed health care plan (HMO, PPO, POS) that assigns you to a network of doctors and hospitals that you use for your medical care. These are the cheapest types of plans.

What does maternity health insurance cover?

Standard maternity health insurance policies cover your doctors expenses, your hospital fees, and your prescriptions drugs – basically all your maternity medical expenses.

Can I get maternity health insurance if I’m already pregnant?

Private insurance companies will not insure you if you’re already pregnant, but some states offer Medicaid health insurance, or plans such as California’s Medi-Cal, to low income families. To see if your your state has a low income maternity health insurance program, visit your state’s department of insurance website.

If you’re pregnant and don’t qualify for state sponsored maternity health insurance, the best thing you can do is call the hospitals in your area and see if you can negotiate a cheaper than normal rate. Most hospitals will give you a discount if you pay cash.

Where can I get cheap maternity health insurance?

The best way to get cheap maternity health insurance is to go to an insurance comparison website where you can get rate quotes from multiple insurance companies.

Visit or click on the following link to get maternity health insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get low cost maternity health insurance.

Where to Get Cheap Colorado Health Insurance Plan Quotes

Although Colorado ranks high on income levels, the state unfortunately also ranks high on the number of people who are uninsured, with 15 to 17 percent of Coloradoans lacking health insurance. If you’re in this group here’s how you can get cheap Colorado health insurance plan quotes from top companies.

Who Are the Uninsured in Colorado?

You might think that only unemployed people don’t have health insurance. In fact, a third of the uninsured in Colorado work full time, but they work for small businesses that cannot afford insurance coverage for their employees. In addition, they tend to have lower incomes, with over half of the uninsured earning under 200 percent of the poverty level.

The high number of uninsured in Colorado affects the state economy in several ways:

* The uninsured sign up for state-sponsored health insurance programs such as Child Health Plan Plus and ColoradoCovers. These programs are paid for through state funding.

* Health care providers charge all their patients higher prices to subsidize the uninsured patients who are unable to pay for their care.

* As health care costs rise, so do insurance premiums, with Coloradoans paying as much as $934 extra each year in insurance premiums to cover the cost of the uninsured.

Where Can You Find Cheap Colorado Health Insurance Plans?

Everyone benefits when more people have their own health insurance. A great way to find cheap insurance quotes is to go to an insurance comparison website. You can find quotes for all types of insurance at these sites, including:

* Basic or comprehensive coverage

* Catastrophic or accident-only health insurance

* Traditional insurance, PPO plans, or HMO plans

* Long-term or short-term health insurance

* Home health care insurance

* Vision and dental insurance plans

The best insurance comparison websites even offer a chat feature so you can get answers to all your insurance questions directly from an insurance professional (see link below).

Going online to find your health insurance is quick, it’s easy, and it will save you money because you’ll get quotes from several different companies to compare. Give it a try!

Visit or click on the following link to get Colorado health insurance plan quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting cheap Colorado health insurance plan quotes.

Where to Get Cheap Small Business Health Insurance in Indiana

According to the Indiana 2008 Legislative Agenda, -Access to affordable health care continues to be one of the biggest concerns for small businesses in Indiana. Of the 42 million people uninsured, more than 61 percent are either small-business owners or employees of small businesses.-

Legislators are considering a number of options to help ease the insurance burden. But until these or other money-saving options are enacted, small business owners still need to find inexpensive health insurance.

Lowering Your Costs

There are ways small business owners can reduce health insurance costs. For example, you could choose a PPO or HMO instead of a Fee for Service plan. While Fee for Service plans offer more choice and flexibility, they also cost more.

Another option is to consider a high deductible insurance plan coupled with a health savings account. You will have to pay out of pocket for all your medical costs until you reach the deductible. However, you can reimburse yourself – tax-free – with funds from the health savings account.

Get Quotes from Multiple Companies

No matter what kind of plan you decide to buy, the best way to get the best rates is to comparison shop. You can quickly and easily get quotes from multiple A-rated insurance companies by going to an insurance comparison website.

You just fill out and submit a simple online questionnaire and you’ll receive quotes from several small business health insurance companies.

On the best websites, you can also talk online with insurance experts, getting complete and accurate answers to all your insurance questions. (See link below.)

Where to Get the Best Rates

Visit or click on the following link to get Indiana health insurance quotes for small your business from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on small business health insurance in Indiana.

California Health Insurance – How to Get the Best Rate

More than 21% of Californians do not have health insurance. If you’re one of these people, you risk losing everything you own if you become sick with a major illness and cannot pay your medical bills. Here’s how to get cheap California health insurance with a reliable company.

Research Private Health Insurance Plans

With 67% of businesses in California offering health insurance to their employees, many Californians receive health insurance through their employers. If you don’t have access to an employer insurance plan, private health insurance plans are a good option.

Health Maintenance Organization (HMO) plans are the least expensive, and most popular health insurance option. With an HMO, you must choose a doctor and hospital that are in the HMOs insurance network and you may need approval before visiting a specialist.

Another popular, but slightly more expensive plan, is a Preferred Provider Organization (PPO). PPOs provide comprehensive health services. You still must choose a doctor and hospital that are part of the PPO’s network, but you may see a doctor or specialist of your choosing by paying more for his or her services.

Choose a Health Insurance Company With the Best Rate

No matter what type of health insurance you decide to buy, the best way to find the best rate on California health insurance is to go online to an insurance comparison website. On this website, you’ll fill out a simple form with information about yourself and your insurance needs. Multiple A-rated health insurance companies will then send you quotes that you can compare.

The best comparison websites even let you talk online with insurance professionals so you can ask questions and make sure you get the best health insurance at the best price (see link below).

Visit or click on the following link to get California health insurance rate quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on finding the best California health insurance rate quotes.

HMO Health Insurance – Where to Get the Best Rate

In the market for health insurance? Want to know where to get the best rate on HMO health insurance? Here’s where …

What is HMO health insurance?

An HMO (health maintenance organization) is a group of doctors and lawyers that offer their services through an insurance company at a fixed rate. You pay a monthly premium for the plan, plus a co-payment (usually $5 to $15) each time you visit a doctor.

When you join an HMO you are required to choose a primary care physician who is part of the organization, to oversee your health care. When you need to see a specialist you must first get permission from your primary care physician.

What do HMOs cover?

These plans pay for your doctor visits, prescription costs, hospitals bills, surgeries, lab work, and X-rays.

How expensive are they?

HMOs are the least expensive of all the comprehensive medical plans. For example, the premium for a 30-year-old can vary from $160 to $400 per month depending on which company you choose.

What are the advantages of an HMO?

* They are easy to use and understand

* There are no claims to file and paperwork is minimal

* Out-of-pocket expenses are low

What are the disadvantages?

* These plans only allow you to use doctors and specialists within the organization

* To see a specialist you must get a referral from your primary care physician

Where can I get the best rate?

As with anything else you purchase, the best way to get the best price is to compare prices. Thanks to insurance comparison websites, you can now get quotes from a number of A-rated companies in a matter of minutes all on one site n the comfort of your own home (see link below).

Visit or click on the following link to get HMO health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on HMO health insurance.

How To Save On Family Health Insurance Plans

Family health insurance plans are a necessity to protect all the family members against health problems. While many companies provide employer-sponsored health insurance with coverage for the entire family, there are cases when people turn to the medical plan sellers in the private market sector because their conditions suit better their necessities.

Family health insurance plans have the advantage of being cheaper than individual plans. You can save money by working with local physicians that are part of the network and who provide medical services for fixed rates according to their contract with an insurance company. This is a way for doctors to get customers and for patients to reduce costs and afford treatments.

Indemnity, PPO and HMO can provide good family health insurance plans even if the costs and the availability of the services could vary. Each plan has a certain health focus and only a close comparison of various possibilities will allow a user to select the right option for the entire family. Details like the company history in health insurance and the level of customer satisfaction are important elements not to be overlooked.

It is also important to understand how the costs of the health insurance may increase periodically in relation not only with the policy of the insurer but closely related to inflation, the costs of the drugs, the number of chronic illnesses, the number of hospital admissions and so on.

Family health insurance plans allow coverage for hospitalization, children immunizations, treatments, check-ups, emergency services and even surgery. Hospital bills may contain errors, and if at a certain moment you are not pleased with the billing process, you can hire an auditor and let him/her look into the matter and understand the charges.

Even if you benefit from family health insurance plans, you can still do your best to reduce the costs of the medical services. For instance, there is no point in going to the hospital emergency room unless it is really an emergency.

Another wise way to keep your money in the pocket and still get the benefits of family insurance plans is by checking the costs for all sorts of treatments practiced by the doctors in the network. If you choose a doctor close to your home, you will save on transportation, and if the charges are also lower, you get a double saving.

Moreover, if you know how to home treat for very minor health problems, it is all the better, because not any headache deserves a visit to the doctor. Good luck and good health.

Advantages of Business Health Insurance in the Backdrop of a New COBRA Extension Privilege

Business health insurance quotes are some of the most sought after features in the said industry today. Such coverage plans make sure that both the employers as well as the employees are in good stead as far as protecting themselves from unfortunate incidents or calamities are concerned. Business health insurance quotes have become much more easily available with the arrival of online portals. These offer coverage policies to small and large corporate units without harping on unnecessary complexities.

Company or group health insurance quotes have gained more prominence due to a recent event that has made corporate units sit up and take notice – especially the employees. Affordable health insurance packages that employees had been enjoying during their tenure with corporate firms would be continuing to do so at their discretion even after retiring or termination. This latest COBRA extension has also offered a stimulus package will take care of 65% of their coverage policy premiums up till 15 months.

Listed below are a few more advantages of acquiring such coverage quotes and subsequent plans:

1.Low Premium Rates – Since the risk or the claim chances are spread over a large group of people, the premium rates are usually low for business health coverage quotes. You can choose to reduce them further by shopping around for more quotes or deals online.

2.Employee Retention – Apart from the fact that premium rates will rise considerably if the employees leave the job, the coverage deals will also provide assurance to the employees. This opens up avenues for better employee loyalty and retention statistics.

3.Additional Flexibility – As most such insurance plans provide an average cover for all of the existing employees or groups, you can add features and customize it to fit your personal requirements too. Though these will make individual premiums rise up a notch but will keep you safer than the rest of the lot.

4.Cost Benefits – Costs may vary according to the age, sex or location base of each member. These may count for you as benefits in the form of price benefits.

So whether it is a PPO, POS or HMO plan you have opted for, a business coverage quote on the medical front is a winner all the way!

You can visit -Health Insurance Coverage’ or similar online portals that offer free comparisons and advice on selecting the ideal business health insurance quote to decide your point of investment.

Resources:

HealthInsuranceCoverage.com provides business health insurance quote from the numerous insurance companies by simply entering the zip code.

Health Insurance Policies – How to Get the Best Plan at the Best Price

In the market for health insurance? Want to know how to get the best policy at the best price? Here’s how …

Best Policies

The best health insurance policy is the one that gives you the coverage you want at a price you can afford. The most popular health insurance plans are:

1. HMOs (health maintenance organizations) – With an HMO your receive health care from a specific network of doctors and hospitals. The HMO pays for your doctor bills, hospital fees, and prescriptions, and you pay a co-payment (usually $5 to $15) for each doctor visit.

You must choose a network primary care physician who will be responsible for overseeing your health care and referring you to specialists when needed. Visits to doctors outside the network are not covered.

HMOs are the least expensive comprehensive health care plan and involve the least amount of paperwork.

2. PPOs (preferred provicer organizations) – With a PPO you also receive your health care from a network of doctors and hospitals, but you don’t need to choose a primary health care physician and you don’t need to get a referral to see a non-network doctor. However, you’ll pay extra to see a non-network doctor.

PPOs are more expensive than HMOs because they are more flexible.

3. POSs (point of service plans) – These plans are similar to HMOs, but you may use non-network doctors by paying a higher co-payment and a deductible.

POSs are cheaper than PPOs, but more expensive than HMOs.

Best Companies

There are three websites where you can check out insurance companies:

The A.M. Best website (ambest.com) – This website lists a company’s financial status and is a good site to use to determine their financial stability and their ability to pay claims.

J.D. Power & Associates website (jdower.com) – This website provides customer satisfaction ratings and is a good site to use to see how well a company treats its customers and how well they pay their claims.

Your state’s department of insurance website – All states maintain a department of insurance website, and most states provide a list of complaints filed against insurance companies so you can see if a company has had more than its share.

Best Rates

To get the best rate you’ll need to do a little comparison shopping. The easiest way to do it is to go to an insurance comparison website.

Visit or click on the following link to get health insurance policy quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on health insurance policies.

Affordable Kentucky Individual Health Insurance

Most Kentucky residents get health insurance through an employer-sponsored group health plan. If you do not come under such a plan, that’s when you should consider finding affordable Kentucky individual health insurance to cover yourself and your family. Individual and family health insurance plans are available for newborns on up to the seniors at age 65, self-employed and unemployed persons and students.

Selecting an Affordable Health Insurance Plan

Insurance companies offer different kinds of private individual health insurance plans for Kentucky residents. These include indemnity health insurance (fee-for-service), HMO (health maintenance organization) plans, PPO (preferred provider organization) plans, POS (point-of-service) plans, and HSA (health savings account) plans. A greater choice of doctors and hospitals usually means that a plan will cost more.

Leading insurance companies offering affordable health insurance in Kentucky include Humana, Blue Cross Blue Shield, Aetna and United. They offer various kinds of policies depending on the kind of coverage you need and the state of your health. A health plan would cost more for a person with health issues. However, according to recent legislation, individuals cannot be denied health insurance because of a pre-existing condition.

The best way to find an affordable Kentucky health plan is first see how much premium you can afford to pay and then look for a plan that meets your budget as well as the health needs of your family. You need to compare the quotes for the plans from various health insurance companies. Premiums differ for different kinds of individual health plans. Besides traditional health coverage and HSA-qualified High Deductible Health Plans, it would be helpful if there is a provision to add on optional benefits such as dental, life and supplemental accident coverage for an additional cost.

Get Professional Advice

Professional companies that represent leading insurance providers in Kentucky offer expert guidance on selecting the right kind of health insurance plan. They can help you get quotes and compare them to get affordable individual Kentucky health insurance.