Health Insurance (2)

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Types of Wellness Insurance

With the cost of medical care rising, it is essential for individuals to obtain health insurance. There’s two different types of health insurance programs: the reimbursement strategy and the managed attention plan. The repayment plans also known as the indemnity plans. Managed care plans are higher quality as PPOs, POS, or perhaps HMOs.

An indemnity health insurance strategy lets you choose your own personal doctors. The plan pays for your medical expenses in part, in full, or up to a certain amount specified for a certain length of time. A managed attention health insurance plan addresses the full cost, minus a co-pay, and has a far more extensive coverage variety. However, you must work with an \”in network\” doctor. These companies have prearranged agreements with particular doctors, and you will only be covered by the health insurance business if you use the in-network medical doctors.

When choosing a health insurance plan, make sure you look for the particular coverages that use in your situation. Clinic expenses should include area, board, and any other expenses that you may incur on your stay. If you need surgical procedure, all surgeon charges and surgical expenditures should be covered. Almost all expenses for doctor visits, whether in the medical center or the doctor’s workplace, should be covered. Lastly, most health insurance ideas should cover all major illness or even injury fees.

There are some extra coverages that you might desire, such as perspective care, preventative care, maternity care, prescription medicine, and mental healthcare. Check with different insurance suppliers to see if they offer these kinds of options. Some providers might also include a dental care plan.

Health insurance is a big investment, and there are a few things to consider when making a determination between managed as well as indemnity plans. Each insurance business is different and you should look at as many options and also plans as possible to choose the best one for you. The perfect company would be the one that gives you the most insurance coverage for the least level of money, and is financially synthetic cleaning agent enough to backup your claims.

There are some considerations to be produced when shopping for a health insurance provider. Does the plan range from the doctors that you are currently seeing Are the medical care benefits that you need protected, such as maternity or even oncology Can you use any doctor, or do you need to keep within the provider’s network Does the policy only cover a person individually, or is the entire family covered Does the plan cover pre-existing circumstances How much are the co-pays and deductibles Are there virtually any co-insurance company policies Lastly, does the company that you will be looking into have a reliable standing within the business Make sure you have clear answers to these Questions before selecting a health insurance organization.

Comments: 35

  1. Sharolyn February 9, 2013 at 12:38 pm Reply

    For instance if you go to school in one state but live in another is it can you have health insurance coverage for both states? It seems like it would be more convenient if I suffered an injury and could be treated in one state or the other at the time.

  2. Joella April 4, 2013 at 12:33 am Reply

    I’m pregnant and it’s become so difficult for me to find health insurance to cover me. I live in Texas and I’m 2 months along. Can anyone give me names please.

  3. Seymour May 16, 2013 at 7:11 am Reply

    A soldier who was based in Afgahnistan was on his way back 2 the States and got into a car accident. Does he still have health insurance 2 cover his bills or does he have 2 wait until he pays out of pocket 2 leave?

  4. Luisa May 26, 2013 at 4:12 pm Reply

    Say that I get a job, and one of my benefits as an employee is health insurance. Does this mean that I either have to
    (1) accept the employer’s health insurance unconditionally
    or
    (2) refuse and find an insurance company to get health insurance from

    OR, are people able to negotiate what kind of insurance they want with their employers? Or do some companies allow negotiation and others don’t?

    I don’t get it. Does accepting employer-provided health insurance mean you lose freedom to choose or something?

    Thanks.

  5. Britteny July 6, 2013 at 12:58 pm Reply

    I am looking at joining up for private health insurance to cover my husband and myself as well as our 2 kids aged 12 and 10. With so many policies and companies to chose from and all the jargon they use, it is making this difficult.We need basic hospital cover and with the kids full dental cover is a must.my husband has had heart problems in the past so need to be covered for this as well.Not wanting all the bells and whistles, just the best deal for young familes.

  6. Glynis July 25, 2013 at 6:36 am Reply

    It’s for my mother. She’s about 49 years old and she’s currently unemployed. I don’t know how to get Heath Insurance for my mother. I got mine through my father, and I’m all good. But, now I gotta find out how to get my mom health insurance. I have a couple of questions like:

    1) What steps does my mom have to do to get health insurance?
    1) What’s a good health insurance company?
    2) What’s a good ‘no bad credentials’ health insurance company?
    3) What’s the cheapest?
    4) Can my mom sign up online?
    5) Do I have to get my mom’s health insurance in the state I’m in?
    6) What’s the most popular health insurance company?
    7) What company would cover almost to 100%?

    Please, I’m totally lost. I would appreciate your help with this. Over and out.

  7. Orlando July 29, 2013 at 5:18 pm Reply

    We recently got a quote for health insurance for $614! That is with employer paying half of employee’s portion. Am I crazy or is this a bloated amount?

  8. Dayle September 4, 2013 at 11:28 pm Reply

    I had to move to Utah. She has been covered with health insurance for more than 2 years without gap. I tried to purchase an individual health insurance for her and it was denied because she is pregnant.

  9. Porter October 10, 2013 at 9:55 pm Reply

    Let’s say there’s a family, and there’s three different prescriptions for different medications within the family. Let’s say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I’m confused.

  10. Kerry October 24, 2013 at 9:15 pm Reply

    I was asking about those who have health insurance, what are your companies like. Do you like your health companies, are the insurance plans good.

  11. Esteban November 5, 2013 at 7:52 am Reply

    My health insurance company haa falsely deemed a procedure that I’ve had 2 years ago a pre-existing conidtion. My medical provider is now suing me and they won’t pay.
    I am unemployed and cannot afford an attorney on an hourly basis. Is there is anyone out there who will take my case on a contigency basis?

  12. Hubert November 19, 2013 at 5:15 pm Reply

    1. Health insurance.
    2. Dental insurance.
    3. Retirement plan.
    4. Some sort of discount on something.
    5. Paid vacation.
    6. Pay above the minimum wage.
    7. Other. Name.

  13. Johnnie December 17, 2013 at 8:19 am Reply

    I have a 2 year old son and me and his mother are separated and I want to get him a health insurance plan. His mother is not working now and I work on my own so I don’t have health insurance from work to cover for him and we are about to go to court to settle for child support and custody and I want to have him on health insurance. Please any help will be appreciated. Where do I go or where do I call? is any health insurance good or how does this work? Thanks.

  14. Joe December 23, 2013 at 7:53 am Reply

    Hear out these two big differences before answering:

    1) You can lawfully not have car insurance if you don’t drive. The only way you can lawfully not have health insurance is by committing suicide (which to me sounds counter to the point of requiring health insurance)

    2) Mandatory car insurance is so that you can pay someone else if you damage their property. Mandatory health insurance only protects the individual from him or herself.

    Can anyone reason with these dems before they throw this rights-squashing law on us?
    To Wayne C: I mean, that you dems seem to be legislating the right to live because everyone would have to have health insurance under Edwards’ program. They couldn’t lawfully choose against it if they wanted to. You can lawfully choose not to get car insurance by not driving. Driving is a privilege not a right. Life is a right, it should not be considered a privilege

  15. Delisa January 17, 2014 at 2:41 pm Reply

    I am covered under my mother’s health insurance plan for the rest of 2012 and 2013. I just got a job and accepted health insurance for 2013. What happens when you have two different insurance plans? I need to go to the doctor in January and I’m not sure which plan to use.

  16. Cleveland February 2, 2014 at 6:32 pm Reply

    Here’s the deal: I’m married, I have 2 kids(who are currently on state insurance) and My hubby and I are in school. We are looking for a cheap health insurance just for the 2 of us because we cannot afford what the school is offering. Does anyone know of something very cheap, or perhaps a government aided program? Please help!

    I have gone online and gotten quotes from local companies, but it’s all unaffordable for us.

  17. Forest February 21, 2014 at 5:59 pm Reply

    Can someone reccomend some good affordable health insurance policies for people who’s work place does not have health insurance yet.

    I’m looking for something with good coverage that wont cost me an arm and a leg. Here is a list of things i want on this coverage in order of priority:
    1.Mental Health Coverage (dont refer state and government run things because i fall through the cracks on their rules)
    2.Dental (i love and want to keep me teeth)
    3.Doctor visits (i dont go to the doc much even when i am sick)

  18. Lu February 21, 2014 at 10:59 pm Reply

    I was wondering how having two health insurance policies works in the following (very specific) case. Read below about details:

    1) Child has Autism.
    2) Father’s current insurance plan may not cover behavioral therapy for autism, which is very expensive.
    3) State of residence (Indiana) has a mandate that employer-based insurance policies cover behavioral therapy for Autism.
    4) Father’s employer is not subject to mandate because its headquarters is out-of-state.

    We are considering getting the Mother a job, with insurance, that is in-state and subject to the mandate specifically so this therapy is covered. Individual insurance will not work because this is a preexisting conditition, so group insurance is required.

    However, the second policy would result in us being double insured. The father cannot waive his insurance until the next open enrollment period in January.

    How does double insurance work in this case?
    I have already checked the law, and points 1-4 are simply fact. The law gives an out for self-insured and out-of-state employers.

    My policy might cover it, but it’s a gray area. An in-state policy would absolutely cover it.
    Basically, if treatment gets classified as “medically necessary”, my insurance company covers the therapy. If it is classified as “mental health”, I’m royally screwed with the current policy, thus the grey area. It can be effectively argued either way, and lawyers have had lots of fun on this topic lately. I don’t have time for the legal system to decide, as treating Autism early is extremely important – waiting years for the legal system to work isn’t an option. So I need coverage I know works 100% for sure.

  19. Tesha February 21, 2014 at 11:22 pm Reply

    I havebeen looking everywhere for health insurance that includes dental(because I want braces)but they are so much (like 290 for a adult and 2 children) I am 16 years old looking for health insurance for my dad,me,and my sister.

  20. Lesley February 21, 2014 at 11:31 pm Reply

    I am looking to buy a temporary health insurance. I am a student and need this health insurance for only 3 months. Do you know any reliable, health insurance providers that could help me with this?
    If you could please provide a website or a phone I would really appreciate it!
    Thank You

  21. Lesley February 22, 2014 at 2:34 am Reply

    My fiance has medical covered at his job, but i am always afraid that he might lose it, or that we won’t have medical when we need it. I’m not on his medical yet, but as soon as we get married i will be. Would it be wise for me to get health insurance from an insurance company until we get married? should i keep it after i get married also? what exactly is the purpose of it?

  22. Scottie February 22, 2014 at 7:15 am Reply

    I am looking for health insurance without breaking the bank. What are good but inexpensive health insurance companies? I need good prescription coverage.

  23. Eugenio February 25, 2014 at 3:36 am Reply

    I just started a new job, which offers health insurance. The specifics of the plan are incomprehensible to me. What I do know is I went to a health clinic for STD testing, something I’ve done routinely for the last five years, once a year or when dating someone new, through my student health plan without significant cost. My plan apparently doesn’t cover this sort of thing, so I owe $1176 for the visit. This is stunning. I need to understand my plan better so that I can make an educate decision if I should happen to find myself legitimately ill in the near future. The company’s website offers nothing in the way of specific explanation, just the usual gibberish.

  24. Constance March 7, 2014 at 11:18 pm Reply

    Is getting private health insurance worth it? I have 2 kids and so far Medicare has been more than adequate, but is it worth private and if so what is the best one. And is it a good idea to have ambulance cover and would you get it through insurance or St Johns?

    Thanks!

  25. Charlyn March 11, 2014 at 9:02 pm Reply

    right now i work for the state and get free health insurance. However, I am paying 200 a month for my wife. We are both 20 years old.

    I feel like this is a waste of money due to the fact she never goes to the doctor. Ever. Its nice having this ” just in case ” but the realization is I am sick of paying all this for something she does not use AT ALL. I feel like I would be better off putting all this in a savings account instead and just put it off.

    I dont want to get her off health insurance though. she never goes to the doctor, what do I need to do in order to get her some cheap insurance. Does anyone know maybe of a government program for youngsters, or possibly a place to help people like me? I live in Texas.

  26. Greta March 13, 2014 at 10:06 am Reply

    My husband’s company doesn’t provide benefits. We have three kids and need health insurance. We have been looking but all the insurance you can find is like $10000, $5000, $3000 deductible, 20% co-insurance, pay nothing AFTER deductible for office visit and $500~$1000 premium….unbelievable!. We can’t get states insurance because our income is little high (middle class). What can we do to get regular insurance for my family?

  27. Ezekiel March 28, 2014 at 4:38 pm Reply

    So they informed my husband that our health insurance through his work will go from $180.00 to $5.50 as of January 2011. We can barely get by with all the bills we have and now, we have decided to cancel. For at least one year, me and the kids hardly get sick. The only problem is that he’s paying child support for 2 other kids that will soon turn 18 in the next 2-4 years. We are only going to cancel it for one year until we get back on track. Another think I believe that as of 2012 health insurance will be mandatory. Did we make a wise decisions? If we didn’t can some one advise on what type of insurance outside work would be economical?
    I’m sorry I meant to say it went from $180.00 to $550.00 a month. We live in California.

  28. Jona April 2, 2014 at 9:04 pm Reply

    I am needing to find a health insurance plan for my family. It will be for my husband & I and our 2 girls. I am looking for something that will cover it all….health, dental, vision….whatever. If anyone can kind of point me in the right direction I would really appreciate it. Or if you have any tips for me. I really don’t even know where to begin….
    Oh and my husband is self employed….he’s an independent contractor (if that helps at all)

  29. Royce April 2, 2014 at 9:17 pm Reply

    My health insurance at work is too expensive. Where can I find a low cost health insurance plan?

  30. Bud May 21, 2014 at 4:13 pm Reply

    I am a student in college right now and I’m doing research on Health Insurance and how it affects the economy. Here are my questions. Feel free to give me general information. That would be much appreciated. Sorry if some of the questions are a bit idiotic. D: I just seriously have no clue. I was stuck with this topic. Thank you so much!

    1. Is health insurance free right now? 2014
    2. If it isn’t free, how are people paying for them if they have it?
    3. If it IS FREE, are people paying taxes so everybody is covered? (someone told me this. Idk if it’s true or not)
    3. Does everybody have Obama care now? Is it our decision to sign up for it or is it a law?
    another question I forgot to put is:
    4. How does it affect the economy? with it being free and all (or if it’s not). How does it affect the economy?

  31. Mohamed May 21, 2014 at 4:15 pm Reply

    This week I have a homework which is about health insurance survey. Could you do me a favor? Please help me to fill in these questions, because I have to survey and make a conclusion. Thank you!
    1. Do you have health insurance? If so, for how long?
    2. What did you do about medical care when you didn’t have health insurance?
    3. Do you think the government should provide health care? Why or why not?
    If you don’t mind, please give me your first name, or you can e-mail me your answer.my email:nomochris2@yahoo.com.tw

  32. Sara May 22, 2014 at 9:56 am Reply

    The health-care debate has centered on the uninsured. That so many people do not have health insurance is a consequence of foolish government policies: regulations that raise the price of insurance, and a tax code that ensures that most people get their insurance through their employer. If you don’t work for a company that provides health insurance, you’re out of luck. People locked out of the insurance system still have access to health care. But they often end up in emergency rooms because they did not receive preventive care.

    For most people, however, it is another aspect of our employer-based health-care system that causes the most trouble: the insecurity it creates. People worry that if they switch jobs, they will lose their health insurance. They worry that their company will cut back on health benefits. Universal coverage is not necessary to address these worries. Making it possible for individuals to own their health-insurance policies themselves, rather than getting them through their companies, would solve the problem. It would also reduce the political momentum behind socialized medicine.

  33. Galen May 25, 2014 at 10:25 am Reply

    Hi, I need to get a hearing evaluation and my audiologist told me to get health insurance because it will cost 900 dollars. And to state that I have a pre existing condition because I am hard of hearing. Where can I get health insurance if I am not working and haven’t worked in 2 years. Thanks

  34. Lanny May 25, 2014 at 11:25 am Reply

    Can I have 2 health insurances?Edit
    My Information:

    – 23 years old, CA resident, Citizen, Not Student, Male

    Situation:

    Left California for Job (Blue Shield of California / Delta Dental)

    – Currently covered under my mother’s health insurance until 26 (Blue Shield of CA believes I am still student)
    – Mother works at a hospital so I get 100% coverage at hospital and 20% max elsewhere (usually just co-pay) – great health insurance plan
    – All hospitals in MA are out-of network for CA insurance
    – I can go to urgent care when needed and services are covered…but long wait always
    -emergency fees are $100 tops

    Took job offer in Massachusetts that offers health insurance (Harvard Pilgrim / Humana) – it is the normal Harvard Pilgrim Plan

    – Have to pay premium (~$150/month) for PPO
    – primary care visits and specialized doctors are covered at 40% (i think…)
    – Expect to transfer back to CA office in 6 months – 1 year

    Current Health Conditions:

    – Teeth hurt (cavities)
    – Rotator Cuff injury (long ago still hurts)

    Decision: I have 6 days to decide, what should i do?! If I choose the MA one, I will likely lose CA insurance since they will see I am not a student.

  35. Jessika May 29, 2014 at 3:46 am Reply

    Ok, my company changed health insurance on me. I am paying 30 more a check and I have NOTHING I need covered like I used to. They stopped paying for prescriptions, yearly blood tests and yearly exams.

    I am looking for a good insurance company that covers meds, lab work, and yearly routine visits. Thats all I need. The only “Pre-existing” condition I have is hypothyroidism and all I have to do is take a pill and get blood drawn. I didnt find out I had it til a month ago.

    I live in East Tenn can someone suggest a good company for me? I’m already paying 80 bucks every 2 weeks (160 a month) and now I’m getting 300 and 400 dollar bills for things the company needs to cover.

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