Health Insurance | Health Insurance Blog

August 5, 2011

How to Find Cheap Health Insurance?

Filed under: Health Insurance — Tags: group health policy, health bills, health coverage, Health Insurance, health plan — admin @ 10:54 am

The idea of buying something at low cost is appealing, especially when we are struggling through the economy but health insurance is one thing that shouldn’t be compromised only for its cost.

The cost of health insurance has gone up dramatically over the years which has forced, though unfortunately, many to go without health coverage. However, it is not a wise decision since health bills can pile up fast and burn a hole in your pocket.

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The choice of health insurance shouldn’t entirely depend upon its price but still there are ways to lower the price of the health policy without compromising with the coverage level.

Shopping around: Shopping around would let you compare the cost of the policy with its price. You can check with different insurers before deciding on one.
Insurance broker: Unlike a captive agent, an insurance broker can access multiple insurers and hence is capable of shopping around for you. Insurance broker can also help in finding health insurance policies for clients with health conditions such as -cancer and HIV.
Employer policies: Many employers offer health policy. You can opt for that. Often group health policy is a cheaper option than individual health plan since in group health plan the premium is divided between the group members.
High deductible: You can increase the deductible rate to lower the initial premium level. However, you may also keep in mind that it is the amount that you are agreeing to pay first if a cause arises before your health coverage kicks in.

You must avoid discount plans

Often you may have heard commercials for health policies at ridiculously low rates, these plans however aren’t health insurance rather discount plans. Discount plans aren’t health policies and therefore don’t offer coverage for all the conditions covered under a standard health plan. Moreover, most of the physicians wouldn’t accept discount plans and you may end up paying out of pocket for the hospital and doctor bills. What the discount plans do is just offer you some discount on the prescription drugs when bought over the counter.

Hope you will find the tips useful. Continue enjoying a healthy life.

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August 4, 2011

How to Avoid A Health Insurance Scam?

Filed under: Health Insurance — Tags: Better Business Bureau, health insurance coverage, health insurance plans, health insurance policy, insurance companies, low cost health insurance, scam insurance company — admin @ 2:41 pm

The rising cost of health insurance coverage has made the ground free for the scammers to prey on the struggling customers. People are getting tempted with the low piece and lucrative coverage offered by the shady insurance companies only to learn in the future that they have been scammed.

Its easy to fall for the tempting discount offers on health policy that has arrived at your mail box in the morning. But before you jump to it, make sure that you are applying to an authentic health insurance provider. Following are the points that you need to consider while applying for a health policy.

Avoid unknown insurer: Have you been approached by an unknown insurer? There are over a thousands of scamming insurance companies operating in the market. Hence, it may be wise to be wary of an unknown insurer.
Check licensing status: Not all insurers are licensed to offer policies in all the states. Hence, you may check with the State Department of Insurance about the licensing status of the insurer before purchasing the policy.
Check with the BBB: The Better Business Bureau (BBB) ranks as well as lists the number of grievances lodged against the insurance company. You may check the track record of the insurer with the BBB.
Policy type: Often the low cost health insurance offers that you receive by fliers are discount plans in reality they are not health insurance plans and offer only limited coverage. If you are looking for a proper health insurance policy you may steer clear from discount plans. These often don’t worth the money they charge.

As the old adage goes ‘prevention is better than cure’ you may avoid falling prey to a scam insurance company. Often something that sounds too good to be true, then it probably is. Don’t fall for an offer that sounds too good. Always check all your options before you actually buy the policy.

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August 2, 2011

Types Of Health Insurance

Filed under: Health Insurance — Tags: fee-for-service plans, Health Insurance, health insurance shoppers, health policies, indemnity plan, Managed care plan — admin @ 12:21 pm

If you are out shopping for health insurance you may find it a difficult task choosing the right kind policy from the many variations available. In this write up I have tried simplifying it for the general health insurance shoppers. Following are the major categorization of health insurance.

All the health insurance plans can be classified under the categories of fee-for-service and managed care. Any other policy can be comfortably placed in between.

Fee-for-services: Under the fee-for-service plans, also called indemnity plan, you would have the autonomy to choose your doctor. The insurance company wouldn’t have any control over your choice of doctor or specialist. Fee-for-services policies are therefore more expensive and demand more out of pocket expense.

Patients, however, don’t enjoy full control over their fee-for-service plans. All these policies are managed to some extent by the insurer, for example – you may need a prior permission from the insurer to avail the services of emergency room.

Managed care: Managed care plan on the other hand puts more control in the hands of the insurer. It is designed to limit unnecessary expenses on health policies. The policy holder would require to receive permission from the insurer or its listed primary health care provider to visit a specialist. Also managed care plans would restrict your choices on the doctors you can access. With managed care you have to limit your choices only to the specialists listed with the insurance provider.

Managed care however is cheaper than fee-for-service plans. If you have decided to buy a managed care plan, you may ask the insurer if your current physician is listed with them.

Medicare: Medicare if a Federal Government funded health program that is available to Americans at the age of 65. Medicare may also extends services to people below 65 years of age with certain disabilities or with terminal renal diseases. You may check with your employer about signing up with the Medicare program.

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June 5, 2011

How To Find A Health Insurance While In College?

Filed under: Health Insurance — admin @ 2:17 pm

Once you have grown up and are about to start for the world of your own, you may soon find yourself searching for the answers of few critical questions. Finding affordable health insurance is one of them. As a young adult you might not need to visit the doctor as often as the old does. But when you do you may soon find that the health bills pile up quite fast. One, therefore, can’t ignore the need of health coverage as college student. I have tried to explore the health insurance options available to college students in this post.

Parent’s policy: You can stay covered under your dad’s or mom’s health insurance plan as long as you’re staying registered in the college as full-time student. Under the new health care regime through the Patient Protection and Affordable Care Act, beginning from September 2010, the dependent children can stay covered under their parent’s policy till the age of 26. The age limit earlier for similar protection was 21 years.

However, if you have decided to stay covered in your parent’s policy make sure that the policy coverage is extended beyond the geographical area of where your parents live. You may find yourself without coverage at the time of need if your parent’s plan is of HMO type and doesn’t cover out of home students.

University health insurance plan: Many of the Universities and colleges now have student health insurance, offered in collaboration with private health insurance providers. Check out with the admission office of your college, if it offers the health insurance to students or not. These policies are often low cost and affordable.

Private health policies: You can approach to a private health insurance carrier for a policy. However, an individual health plan can be expensive and hence you may need to shop around to find the best deal. Further, the private health care insurer can also discriminate against you based on your existing health condition.

There are other options available too for which you need to look around. Check out all the options available to you before deciding on one.

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June 4, 2011

Health Saving Account (HSA) To Help You Save On Health Insurance

Filed under: Health Insurance — Tags: health insurance plans, Health Saving Account, HSA qualified plans, low cost health insurance — admin @ 2:12 pm

Health insurance plans can be quite expensive. In fact, over the years the cost of health insurance plans have grown so much that many have been forced to compromise with the coverage and go without insurance protection. The present state of economy has made the situation even more serious for most of us. The high-deductible health plans with Health Saving Account is expected to offer solution to the problem. The Health Saving Account (HSA) would help you save on the premium rate of the plan and let you stay protected.

What is a HSA plan?

The HSA plan combines a low cost health insurance policy with high deductibles. The deductible is the amount that the customer promises to pay upfront before his health policy would kick in. More deductible would mean lower risk for the insurer and hence encourage him to lower the premium rate. However, not all high deductible health plans (HDHP) come with the option of Health Saving Account. The high deductible health plans with HSA are similar to IRA (Individual Retirement Account). Following are the benefits that can be derived from HSA plan:

Lets you save for the deductible.
HSA can be used in collaboration with the high-deductible health plans.
The saving made in the account isn’t included in the taxable income. Hence, one can enjoy tax benefits.
One can roll over the amount saved in the account to following years without attracting taxes.
The HSA account also accumulates interest on the saved fund, which is also tax free.

How can HSA plan help employers and employees?

Given the economic condition, many employers are feeling the pinch to continue offering health coverage to the employees. The HSA qualified plans have solved the issue for them. This plan is particularly suitable for the small employers who can’t be self insured as well. The HSA qualified high-deductible health plans help the participants to save for the rainy days in tax deferred way.

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