Health is wealth

Submitted by sil on Thu, 01/31/2008 - 07:51

Hey!

Health is wealth.:D

And to maintain a proper health we should take up some security policies.

Different health insurance policies offer different types of facilities.To get a better information about health insurance policies you may refer to the following article:
http://www.ampminsure.org/health-insurance.html :)

And the article..."Really what good comes out of Health Insurance" gives you a comprehensive idea about health insurance.
http://ampminsure.org/blog/focus-on-health-not-insurance :)

Posted: 31 Jan 2008 08:02 Post Subject: Good in terms of knowledge!

Yes it seems we have two good health related articles that focus on our health.

In most of the states the government has now taken up some Medicare programs to insure the elderly people and the bed ridden renal patients.

Now, over here are we talking about Long term Care?
regards,
Pauladtwister

Posted: 31 Jan 2008 08:10 Post Subject: its not just about ecstacy!

Hi Sil,

Nice articles!
I must say you're uncovering that part of this site which seems a real booster!
I just viewed the one at the community blog, where I found someone even has to say

I see health insurance as your assurance towards that extra bit of ecstasy which you derive in smoking or by plunging within your chilled drink!


But on the contrary, I'd feel it to be something that supports you through your life, rather than being like a life policy which adds to the benefits of your beneficiaries. Do keep in touch, MHudson

Posted: 31 Jan 2008 08:49 Post Subject:

Guys, I see it from an angle where if it has to be a must for all the states, then it might leave a scope for the insurance companies to play around with the costs. Now, I see the modern day insurance cards pose to reduce the consumer hassles, but in reality they fetch in a lot from our pockets for just what is enlisted with a view to enhance their business returns. From the stories that we come across every now-n-then its evident that the Govt. sponsored health policies are better than the pvt carriers'. Even though it may seem that the pvt. family-floaters are economical.
Waiting for some more articles..
Barbie-adora

Posted: 01 Feb 2008 02:50 Post Subject:

Thank you sil for a great article, this is definately taking the forum in a new direction. thank you for taking the lead. Health insurance is always a hot topic for debate. Something we all need but unfortunately a lot of us don't have.

Posted: 02 Feb 2008 05:14 Post Subject:

Yes you are correct ...Health insurance is indeed a primary requirement. But these days for the alarming increase in the health insurance premium rate common people are finding it pretty expensive. What do you say?

Posted: 02 Feb 2008 05:27 Post Subject: Health insurance price

Though... tuning the premium rate is not in my hands, but to help you with an apt advise in this case is within my reach. You may again refer to second article of the ones mentioned in the blog of this site,... to keep yourself fit as much as possible. At least that is in our control.... :D Actually i came across more nice good articles and information as i was exploring this site....

By the way... can someone tell me...why is there a rise in price of the health insurance premium? Is it because the companies want to make more profit ?

Posted: 05 Feb 2008 10:10 Post Subject: health insurance

I believe it is becoz the health insurancee companies are trying to make more and more profit out of it.

Posted: 15 Feb 2008 10:06 Post Subject:

By the way... can someone tell me...why is there a rise in price of the health insurance premium? Is it because the companies want to make more profit ?



If I told you the following, how long do you think a business would be sustainable?

*$400 comes in monthly from one person.

*$800 is spent on preventative care including multiple blood tests, x-rays and whatever else the doctor thought was appropriate at the time knowing full well the insurance carriers SHOULD take care of it.

*The doctor is either paid when they see you (PPO) or when they don't see you (HMO). Read this book http://www.makingakilling.org/

*Client spent a $35 copay to receive $800 back that month.

How many people do you need to make the business profitable?

I'm over-generalizing here but some of the reasons why health insurance premiums continue to go up are as follow:

1) Advances in technology that did not exist 30 years ago. Technology is very expensive and somebody has to pay for it.

2) People are living longer thanks to technology.

3) Insurance companies need to stay in business to make a profit and pay claims, so they have to offer products with enough benefits that are competitive in the market, but not expose them to overextending their finances.

You'll see carriers do stupid things when they increase an insurance pool in excess of 20%. That normally means they had a bad year, their underwriting was too liberal, or a host of other things that would take a 10 page essay to explain. google "health insurance claims" to get more information.

4) The member's insurance contracts spells out what is and what is not covered. 99.9% of people don't read this contract. From my experience I estimate 10%-15% of the insurance agents know what is written in the contract, while another 2% understand it.

6) Stand mandates that require health insurance carriers to cover specific procedures. For example, up until recently I lived in MD and one of their state mandates says that an insurance carriers MUST cover hair implants if chemotherapy caused any hair loss. Visit here for more information http://www.cahi.org/cahi_contents/resources/ to download PDF file covering all states.

7) We have the highest paid doctors in the world and help pay for the uninsured via emergency room treatment, Medicaid and other avenues

8) People expect the best but want to pay the least.

10) Go here http://www.ncpa.org/ to read John Goodman's perspective about methods to reduce health care and get a glimpse into what occurs now.

11) Lastly, people confuse their health issues similar to how they treat their car. Most people will obtain the oil changes, tire rotations, scheduled maintenance, etc. and understand that THEY WILL PAY for the services. They don't expect Geico to pay for this stuff. This is a result of what transpired in the 1960's and 1970's with HMO's and the famous copay plans that insurance agents sold because they were the best at the time. Now, it's HSA's.

I hope this helps.

Links deactivated as per forum rules

Posted: 16 Feb 2008 12:56 Post Subject:

What a great edition salpro you have really broke it down. thank you for a great post.

Posted: 16 Feb 2008 05:56 Post Subject: Great effort!!

Hi salpro22, its great to see such efforts coming up from our new members.
Keep it up & help the community grow!
Thanks,
Fatman

Posted: 17 Feb 2008 06:42 Post Subject:

I'm glad to help where I can. Insurance can be very confusing and the carriers don't make it easy to find out the information that consumers and agents need.

Posted: 20 Feb 2008 10:45 Post Subject: Why so?

Health is wealth.



That is why probably the governments of some of the advanced countries are planning to make it a mandatory across their states. Am I right ?
Goofpatel1955

Posted: 20 Feb 2008 02:49 Post Subject:

Excellent articles. However, I wish our country would take steps to make health care more affordable as other countries have. I'd go one step further to say Health is the gateway to wealth.

Posted: 20 Feb 2008 10:57 Post Subject:

Excellent articles. However, I wish our country would take steps to make health care more affordable as other countries have. I'd go one step further to say Health is the gateway to wealth.



Like what countries specifically?

Posted: 21 Feb 2008 02:05 Post Subject:

Although I prefer our healthcare system over Canada's...their are some myths out there:






The Maple Leafs are lousy. TRUE!!! They are lousy!!!

System detected duplicate content, converted into image.

Posted: 21 Feb 2008 05:38 Post Subject:

Well Salpro22, I have heard that healthcare system in Australia is pretty sound compared to the rest of the developed nations. Even I have reasons to believe the Canadian Govt. is taking further steps to ensure that healthcare costs are cheaper before they can make it mandatory for all. I'm sure you'd rectify me if I'm going wrong :)
CasseyBlue00

Posted: 22 Feb 2008 06:36 Post Subject:

I believe health insurance have become too expensive over time in US.

Posted: 22 Feb 2008 04:31 Post Subject:

Well Salpro22, I have heard that healthcare system in Australia is pretty sound compared to the rest of the developed nations. Even I have reasons to believe the Canadian Govt. is taking further steps to ensure that healthcare costs are cheaper before they can make it mandatory for all. I'm sure you'd rectify me if I'm going wrong



Ohio HI already did an outstanding job about discussing some excellent points , so I don't have much to add.

What specifically have you heard that makes Australia's health care system sound? The ONLY way to help ensure that health care costs go down is to open it up to the free market, let competition and supply/demand take over, get rid of all mandates and require that people take responsibility for their actions and irresponsibility.

I do what I can to help people everyday and gladly walk through uninsured people about their options. I have noticed a consistent theme from the stats I have gathered regarding scheduling people to sign up for a health plan OR have a 20 minute public assistance 101 discussion. Overall, people do what they say and attend the meeting, some buy and some don't. That's fine because I'm not pushy and don't need or want to chase people down like some other agents.

However, the people who failed to attend the meeting and would not reply back to any of my follow up e-mails, messages, etc. STILL had not done anything 3-6 months down the road and said "I'll get around to it." People who want to be successful or are successful do not wait to get around to it. They do it! Some people just do not want help and that is the reality of things.

Some people genuinely need help and I think we should help them. However, I have no patience for somebody who leases a Mercedes, drinks Starbucks coffee everyday and tells me that they cannot afford insurance, but wants me to pay for their share out of my 60-80 hour work weeks. No thank you, my competition can have those clients.


Mostly every other country that has universal health care offers "buy-up" options for the people who have the means to pay for higher quality care, as well as for the impatient and proactive people who will pay more for convenience and accessibility.

Perform a search on google for John Goodman and read some of his material. That is a smart man!

I look forward to your response.

Posted: 24 Feb 2008 05:28 Post Subject:

I do not think we will ever have a National Health program. I believe there will be a series of tax credits designed to encourage people to buy health coverage.

Of course...I believed that Butler would win tonight and they didn't.

Posted: 25 Feb 2008 01:34 Post Subject:

I am fortunate enough to have really good health care through my employer, I pay a premium for it, but it covers just about everything. My co pays are a little more on newer medications but other than that it is pretty good.

Posted: 26 Feb 2008 09:36 Post Subject:

My co pays are a little more on newer medications but other than that it is pretty good.

..a lill more...in terms of what ???

Posted: 27 Feb 2008 12:11 Post Subject:

Some states guarantee you coverage...regardless of your health. Maryland (see below) has a great plan.

Plan Overview
When you enroll in the Maryland Health Insurance Plan, you have a choice of one of four Plan benefit options:

HMO Plan
PPO Plan with $500 medical deductible
PPO Plan with $1,000 medical deductible
High Deductible Health Plan with $2,600 combined medical and pharmacy deductible
If you have a limited income, you may be eligible for MHIP+. Whether applying for MHIP for the first time or already enrolled, you must complete a separate MHIP+ Application.

An explanation of each of these benefit options is outlined in the MHIP Application Booklet.

A detailed explanation of the plan's coverage is contained in the Certificate of Coverage.

Posted: 26 Jun 2008 11:22 Post Subject: How to write essay all about health is wealth

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