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Health Care Insurance

An Introduction To Health Plans For College Students

By Clarissa Winegarten

Many people don’t know exactly what a student health insurance plan exactly is. No one has a proper understanding of what this plan includes and benefits of it. With insurance policies for children expiring as soon as they become adults, students are surely vulnerable if they don’t have a student health insurance.

College insurance policies can be accessed through your children’s colleges. This is advisable since your child though now a teenager still does not earn any income and continues to be vulnerable to all sorts of infections, could be susceptible to accidents and therefore some coverage is required. Care has to be taken to choose the correct one.

Different colleges have different student medical health insurance policies and most of the time these insurances are free. This attracts and catches the attention of the students and they forget the basic fact that this type of insurance only covers regular health check up costs only and don’t even cover the tests or diagnostic costs for the disease. So this should be kept in mind.

All your visits to the campus clinic or hospital stays within campus are fully covered but any consultations with outside specialists or admissions in other hospitals are not included entirely. In the latter case the student may have to pay a percentage of the costs. This is a point to be noted.

Students, who are unfortunate to have a disease already before entering the college must be cautious about their condition, which may not be covered under the college student health insurance plans. They can receive the treatment in the campus center but the treatment of the original disease may not be provided under the insurance plans.

So it is very important that the various student health insurance policies must be studied properly before a student chooses which insurance to go with. Since these doesn’t cost much, price should not be main factor but the cost of treatment must be the real issue in choosing the health insurance plan for student.

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Health Insurance Ensures A Health Body And Relaxed Mind

By Kunal Wadhwani

The health and well being of your loved ones is more precious than a few dollars which you intend to save by cutting down on a health insurance plan, either for yourself or your family. Even as an employer, you will not be doing justice to your employees by cutting down on the costs of a group heath insurance plan which under the contract of work, you are bound to provide. Further, the plan you take or provide to your employees should adequately cover all their medical and health requirements because unhealthy employees would lead to an increase in the rate of absenteeism at the work-place and cost your business.

To avoid all such problems and ensure a healthy mind and body, visit www.insurancecaredirect.com, one of the finest portals designed to help individuals buy affordable health insurance plan that will satisfy all their needs and requirements. The site is really user-friendly and also boasts of an accurate health insurance quote generation tool that provides you with quotes from various insurance providers for the kind of policy needed by you.

The providers listed enjoy good market standing and their listing is also state specific in nature i.e to say you’ll be provided quotes from the providers who have operations and medical network in the state and district of your residence as it will work to your advantage only, in case of an SHO or a PPO plan.

If you are a beginner in this area and not familiar with the insurance sector than you can check out the glossary available on www.insurancecaredirect.com to get further acquainted with it. Also once you register in here the employees of ICD helps you completely through the entire process of getting an affordable health insurance plan on your terms and conditions. For them the customer is the king and they would not compromise on anything against the benefit of the customer.

You can be a testimony to this by registering the www.insurancecaredirect.com.

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How to Get Indiana Health Insurance if Your Job Doesn't Offer It

By Neil Anderson

It’s more important than ever to have a quality Indiana health insurance plan. It’s a great perk or benefit if it comes with your job. But there are a number of companies that can’t or won’t supply health insurance. So, do you have options? You go and find the Indiana health insurance policies for you that has the benefits and the rates that you can afford.

Some people will tell you that you can go without Indiana health insurance, but it is a plan that could cause you problems down the road. When you have medical insurance you are covered for any surprises that might come up. And as we know, those surprises don’t give any advance warning!

While you might grimace at the thought of monthly payments for Indiana medical insurance, your can’t afford not to have it. To make it an easy process, start be looking online for an Indiana health insurance quote site. By comparing quotes on a health insurance quote site, you are able to get a number of quotes almost instantly.

At the outset, you just want to make sure that you can get Indiana health insurance quotes that are affordable. Basically you need to see that you can find something that works. After you’ve found some that fit in your budget, make sure to check each part of the coverage that they offer. You also want to exclude any of those that are only health discount plans for reduced costs in health bills.

Compare each of the types of coverage that is offered when you choose your Indiana health insurance quotes. Where you see huge differences in quotes between one plan and another, it’s most likely going to be a difference in coverage that is the culprit. You need to then see the specifics of what is being offered.

It would be great to have a quality Indiana health insurance plan as a benefit in your new job, but it doesn’t have to be something you can’t get on your own. You only need to spend a few minutes online comparing what options are available for you. After that, choose the best Indiana insurance quote and plan and know that you have better taken care of yourself and your family.

It would be nice if an Indiana health insurance plan came with your job, but you don’t have to worry if it isn’t. If you take a little time to do some comparison shopping online, you can quickly and easily find some great choices. Once you’ve done your review, you can pickthe best Indiana insurance quote and plan that will protect you and your family!

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Is Buying Health Insurance On The Internet Smart?

By Dr Robert Cox

With the economy eliminating so many jobs and in spite of COBRA (which is very expensive unless one qualifies for the special 65% govt reimbursement), many people are losing their company provided health insurance and turning to the private market.

The first place most people turn to is the Internet.. and in most cases, they are disappointed as they expect to find a quote and offer, but instead, they are told that their information will be forwarded to one to five local agents.

Within seconds, the phone begins to ring, and by about the third call, the seeker is both ticked off and disappointed.

But to get to the answer of the lead in question, the answer is a strong, bold, and unequivocal “NO”. In fact, in most cases one can not buy insurance on the Internet period.. but let me clarify.

There are really two types of insurance.. or at least medical protection that is perceived as insurance. One type plan is an indemnity plan where the insuring company publishes a set schedule for certain things such as doctor visits, in and outpatient diagnostic tests; days in the hospital stated as “$X per day”. This type “policy” is offered without underwriting or medical questions and can be sold over the Internet. The better companies offering a policy of this type clearly state as the law requires, “This is NOT medical insurance and is not intended to take the place of a full major medical policy”.

However, for many people, it does. One reason is lower costs. But a policy like this is not as subject to state regulation and monitoring and while there are many long term, well established indemnity companies in the market, it seems as if every day a new firm pops up to capitalize on the current economic situation. The buyer of this type policy should be extra careful and see if the company has been around long enough to have established a good practice of paying claims! While this is obvious, it’s not done as often as it should be.

Another check that should almost always be done is the future insured should call their state insurance commission and see if there are any reports on this company.. either good or negative. Mainly in claims payment.

But to return “to theme” this is one type of “policy” that can be purchased on the Internet.. but again, it is not truly medical insurance.

True individual medical insurance will have these characteristics: First, it is “underwritten” or based on individual circumstances such as age, ht, wt, smoking or tobacco use, and current medical conditions. Most policies will not immediately cover pre existing conditions, or will rate up if they do. Pricing is based on these factors.

A policy of this type will generally have first a deductible amount which is what the insured pays first on a major medical bill. The deductible generally has to be satisfied before many other policy benefits kick in. There is an inverse ratio between deductible amount and total monthly costs. The lower the deductible, the higher the monthly cost, called a “premium”. Now in many policies, one can at least see their doctor at some “paid for” rate before having to satisfy the deductible. Many prescription plans are also written this way.

Now here’s the problem and a two sided dilemma: First, there are so many variables and options that the future buyer just looking at the Internet, and then being contacted by an agent, is not aware of all the choices they might normally have. Most people.. maybe you, the reader.. are not even aware the choices exist. One example: Your deductible. Does the deductible apply for a calendar year or a policy year? If you entered the hospital in Nov, you’d have to pay the same deductible as if you entered in Jan.. and when you’ve satisfied it, if you went back in Jan, even for the same problem, you’d be starting a whole new deductible. Not always.. but this is just one example of what you might not know.

Now let’s say you went on one of the Internet sites. You did a search engine look for “health insurance” and you got 25 listings to pop up from the search engine you used. You went to the first site and did not find a policy application, so you went to another. Next thing, usually within minutes, your phone starts to ring.

The call you are most likely getting is from what is known as a “captive” agent. He or she works for just one company, and has just one major product line to offer you. Do you think they are going to tell you the options you might have if you looked at a competitor? Of course not! They know you will be getting many calls; they know you are probably not educated in the selection process, and they know if they don’t get you to “buy” (which is really to put in an application), they will never talk to you again. As trained sales people, they know one first rule of selling it “give the prospect what they want’. Never mind if you don’t really know ALL you want or could have.. so they hear your buzz words of “deductible”, “Copay” and “Monthly amount”. It’s offered; it’s what you asked for, and you bought.. or actually only put an application in. The fact is that your application is far from guaranteeing you will be issued the policy you apply for. It can be modified with waivers or rate ups, but you won’t know for at least 5 work days in most cases. In the meantime, you tell future callers, “Thanks, I’ve taken care of it”. Little do you know!

There is some hope however. Another category of person or company who will call you is an independent broker. They do not work for any one company. They don’t have to sell or be fired for any one company. They have no vested interest in a certain and special company, and they have to know the competition. This kind of agent or broker can and will search for the company that suits you best. Their call may tend to put you to sleep because they are going to teach you and ask and explain the questions. Now as your author, I’ve been involved wearing both hats.. captive and broker.. and I’ll tell you this: More than half of my prospective clients are more interested in how many pixels their next HDTV will have than the finer points of this policy they are looking for. If this describes you, accept you are only going to get what you ask for. Pay attention; go buy a good book on buying health insurance. Get educated and be proactive.

So as we conclude the answer to the article title: One is you should not buy health insurance on line and one reason is you can’t. You apply for it through a good broker. You can buy an indemnity policy, but it is not true health insurance.

Meet the qualified vendors on line. After you have evaluated their offerings, then you can apply on line and use the tools such as PDF versions of their official brochures. This is not buying on line. If you consider that buying, this part is ok.

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You?re Life Insurance Rights

By Graham McKenzie

You will want to understand how your life insurance rights will affect you and your family. You should do this before you purchase a life insurance program to make sure that you find a program that will fit your needs. You will need to remember that changing a program to work for you is harder than finding a program.

Your rights may change depending on what type of life insurance you get. First there is whole life insurance which is the most known type of life insurance. This life insurance provides a monthly rate of money for your beneficiaries after you die. Term life insurance is less expensive but lasts only for a set period of time.

In both cases you will be entitled to what is known as a free look period. This is a law in every state that the companies are required to give you a time period between 10 and 30 days to review the policy. The actual time period will vary from state to state however some states require that a notice of the law is actually given to you with your policy. If you decide that you don?t want to continue the policy after the time period all you will have to do is have a written statement and hand them the statement with the policy. They will refund your payment and the policy will become a voided policy.

This free look period is especially important if you?re a busy person or just don?t understand all of the fine print. While life insurance policies are supposed to be easy to read they may not be and you may have to take your policy to your lawyer to have him decode it for you. You should also note that the free look period changes based on what state you?re in. While some states offer 30 days some only offer 10. Make sure that you mark this number down so that you don?t forget to cancel your policy if you decide not to stick with it.

When you?re debating about what type of life insurance to choose you should remember that it will be harder for you to get life insurance down the road. This means that you will want to consider term life insurance very carefully if you decide to go with it as it will expire in your later years and you may have problems getting another policy. As people become older they become a higher risk for a life insurance company because they are not expected to live as long and therefore not pay the company as much as other people would. For this reason it may be better to have whole life insurance which will never expire. You should also try to set up a payment plan for your life insurance plan that will allow your family to get a lump payment at the start to pay for immediate expenses and then smaller payments after that until the money on the policy is depleted.

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Tips For An Affordable And Safe Health Insurance Plan

By Kunal Wadhwani

Frauds in the health industry are so rampant today that it is very difficult to come across an honest insurance provider. The citizens often end up feeling trapped and badly cheated against when they realize that the health insurance plan in which they’ve invested their hard-earned money and had a lot of expectation, is fake. Worst is when all this arises at the time of settlement of claims when some tragedy or criticality has struck , so not only your trust but also health would also be at stake. They end up paying the cost of treatment from their own pockets while their affordable health insurance contract lies idle, adding to your miseries.

So what measures should one take so as to safeguard against the fraudulent activities while generating health insurance quote and purchasing a health insurance plan?? The first and foremost thing to do is to check the past records of the insurance provider and verify for such instances of claim settlement where they’ve refused paying the claims. Buy a plan from only those providers which have a clean, untainted record of having settled insurance claims at the earliest.

The next cautionary step you need to take while taking your health insurance plan is to go through all the documents thoroughly and not take things for granted. You should read all the clauses carefully and not be hesitant to ask in case of any doubt if you aren’t familiar with the terminologies of the insurance sector

Another way to gain the health insurance plan is to purchase it directly from the market if you are aware of the hooks and nooks of this sector. However it is always beneficial if you seek assistance from an insurance broker because these brokers are well aware of all the latest updates and happenings in the insurance sector. These brokers take complete care of all your proceedings and help you seek the most affordable health insurance quote.

One of the best and reliable insurance brokers is Insurance Care Direct, which has launched its website www.insurancecaredirect.com which takes care of all your insurance needs online and provides you with the best and the most affordable health insurance plan.

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New York Health Insurance Steps to Get the Coverage You Need

By Naomi Younce

No matter what your age, you don’t want to be without health insurance. If you don’t have the protection of a solid New York health insurance plan, you could find yourself buried under a mountain of medical bills at some point in your life. There are countless stories of people who have been in that situation before. So that you don’t have that issue, we’ve got 10 tips that will help you get the coverage you need at rates you can afford.

* Beware of policies that are stripped of coverages that you might need later on when you have something go wrong. Don’t just get one but get several quotes from various New York insurance companies. By starting your search online you will not only save time but money as well since insurance companies keep the best rates for online shoppers.

* Not only do you want to find the right NY health insurance, you also want to make sure that the insurance company is a solid one as well. Find out if they are licensed to do business in New York and you can find out whether they are registered from the New York Insurance Division.

* You want to get a real health insurance plan, not just one that offers discounts on health services. These are generally not recommend by the health care industry and could well be a waste of your money and not give you what you will need.

* If you have questions and concerns, you can also contact the NYC Managed Care Consumer Assistance Program who are able to help you with finding Brooklyn health insurance as well as any other area in New York.

* When you have a health insurance policy, make sure that you know what rights you have. Should there be any issues while buying you policy, or if you are concerned about where you are getting your insurance from, know what rights and protection is available to you.

* Had a recent job loss due to your job moving overseas? The Trade Adjustment Assistance Reforms Act may be able to help and cover up to 65% of your health insurance for at least one year.

* You can also check if you are eligible for the New York state-sponsored health program that provides streamlined health insurance coverage at a cheaper price for individuals. This could certainly be something worth looking into!

* If you simply can not find a New York health insurance plan that works for you, there is partial coverage through a program like Medicaid. As a federally funded program you must meet certain criteria in order to be accepted into the program.

* Early retirees who lost their health coverage can also take advantage of federal Pension Benefits Guaranty Corporation, they will be able to pay for 65% of health insurance costs.

* Once you’ve done your research and found a New York health insurance plan, you might want to talk with an agent before signing up. Ask them to review it and see if it’s the best fit for you.

These suggestions can help you in your search for a low cost New York health insurance policy that provides you with the best quality care when you need it.

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Long Term Care Insurance And Home Health Care Information You Should Have

By Edward William

When it comes to home medical care there are many things you must consider when you get a long-term care insurance quote. These things should be included in the policy and you must be sure you are quoted for them too. Here are six things that should be considered when it comes to long-term insurance and home health care.

1. The long term care insurance policy should offer one year of home healthcare or retirement home coverage or perhaps both. This should also include intermediate custodial care. If you can get this time period longer you might want to consider it.

2. An inflation option is another consideration when you get a long term care insurance quote. The best inflation option will increase the benefit level periodically without you needing to provide evidence of your insurance.

3. The long term care insurance cost should be certain about the elimination period. An elimination period to an insurance company for long term care is a set number of days a person must be in home health care before the actual policy kicks in. If you don’t meet this number of days you will be responsible for the bill and nothing will be covered.

4. Any long-term care insurance policy should give you a timeframe of cancellation. You want to be sure you have the right to cancel the policy for any reason you select within a fair timeframe like thirty days. This should give you a total refund if you decide to cancel.

5. A long-term health care policy also desires to incorporate a guarantee the policy may not be canceled on you. Many insurance companies have canceled policies on folk when they end up with a psychological well-being condition or simply as they age. Be certain the policy includes a guarantee the policy will never be canceled thanks to a health condition or age.

6. The policy itself wishes to clearly explain the advantages included with the policy. All of the terms and the restrictions should be detailed and defined. You want to know the precise sum of money you may pay out of your pocket should you get ill or need home health care.

There are many things to consider when it comes to home health care and obtaining a long-term care insurance quote. Don’t go with an insurance company who will drop you as you get older or sick. Also ensure you are completely covered for things you may think may happen to you.

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What You Should Know About Long Term Care Insurance And The Waiver Of Premium

By Rick Winters

There are several benefits of a return of premium benefit or policy you might consider when you get a long term care insurance quote. Here are six things you should know before you make a call on long-term health care.

1. A Return on premium benefit incorporates a death benefit that is payable on your death. This may take care of doctor’s bills, lost income, and secure futures for your kids. The cash may be employed any way it needs to be used in the event of your death.

2. When you get a return on premium long-term care insurance quote you will find that this benefit is free of revenue taxes of the central government. This means that your family members will not have to pay a major proportion out of the death benefit if they need to exercise this.

3. With a return on premium long term care insurance policy you are rewarded for outliving the policy itself. This means that if you live up till the end of the level premium period and you continue to have a policy in effect you’ll get 100 percent of the premiums you paid into the policy. This is one dazzling high-interest account and can suggest plenty of fun for the remainder of your life.

4. If you exercise your right to get money back on your policy as you have out-lasted it you are also not taxed by the federal government for this. The goal to a policy like this is to remain healthy so you can get your money back.

5. After you receive a refund for the total amount of the premiums you have paid you can still continue your policy. The policy will be renewed with a yearly renewable term and the rate is guaranteed when you determine the opening long-term care insurance cost.

6. The cash eligible to be paid to you includes premiums before the expiry date. You will not be paid any money of the policy that includes riders or other further risks that were paid. This implies that the full amount of money you paid in may not be what you get back. You will get the amount minus additional benefit costs paid in. When you identify the long run care insurance cost you will know the amount going into the return of premium.

A long term care insurance quote should include a return of premium benefit. This is a good way to secure you or your family’s future. If you outlive your policy you’ll get all of your money back paid into the plan.

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What You Should Know About Long Term Care Insurance And The Survivorship Benefit

By Joe Costalo

The survivorship benefit is important if you are looking into getting a long-term care insurance quote. This is one of many benefits you should consider and there are several reasons why. Here are six things to consider with the survivorship benefit that might impact you if you get a long-term care insurance policy.

1. You must be married to get a survivorship benefit. This must be a legit wedding. You can’t be living alongside a person but they must actually be your other half. In addition, some insurance firms do not recognize homosexual couples and they also might not recognize common law marriages.

2. The long run care insurance cost will be higher if you must choose the survivorship benefit. The more benefits you add to your package the more money you may pay into the policy. However, remember this is a deposit account and it will still benefit you and your spouse.

3. A survivorship benefit typically has a stipulation to it before you can really use the benefit. This stipulation is in years and will often require roughly ten years of paying on the policy without having a single claim to the company. This means that you or your spouse will not have been hospitalised for any reason or had any other claim to the company throughout the whole duration of a set time frame.

4. The survivorship benefit on a couple’s long-term care insurance policy means if one of the people in the marriage dies, the survivor of the relationship no longer has to pay the premiums for the remainder of their life. This is designed to help a person remain on the policy because most likely their earnings has been cut in half due to the death.

5. When survivorship is on the long run car insurance quote and a person in the marriage dies, the other person receives full benefits for life also. This indicates that they’re going to receive the totality of what they were paying for before the person died.

6. The long run care insurance policy won’t change when a partner dies. The benefits being paid for before the time of death will remain in effect and active for the rest of the living person’s life.

When you get a long term care insurance quote and you are married it’s vital to think about the survivorship benefit on your policy. Don’t get a policy without it or you may be in trouble if your spouse dies.

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