Health Insurance: Plans for Secured Healthcare

Submitted by Anonymous (not verified) on Tue, 12/01/2009 - 08:17
Our health is precious and we do all sorts of things to keep ourselves healthy. We know how it feels to fall sick and if it is something serious, how expensive treatment can get. So that we are able to afford the right treatment and not worry about the costs getting health insurance is a good idea.

The rising cost of treatment is a matter of worry for a lot of us. If we have health insurance, it helps us plan ahead and also save for future treatment costs. We do not have to worry about bearing the expenses out of our pockets. Your need for insurance may be different from the needs of others. Hence, there are different health insurance plans to suit different needs.

Health Insurance Plans

Health insurance plans are primarily of 2 types -
  1. Indemnity Plans (fee-for-service)
    According to this plan, the insurance holder can choose the doctor he wants to be examined by. The doctor/medical professional receives a fee-for-service. This claim is made either by the doctor or the patient himself. Indemnity health insurance has several other types.
    • Indemnity health plans: As a policy holder you may go to any doctor, hospital or any other medical provider for a fixed monthly premium. You may choose the health care provider you want and the plan will reimburse you or your doctor for the service rendered. There may be a certain portion of deductible that you need to pay or simply bear a portion of the fee. Certain expensive services or hospital care or any covered services may require you to have prior authorization for them in order to be covered. To know if indemnity plans are better than HMOs or PPOs click here.

    • Flexible spending plans: This is also known as cafeteria plan and is sponsored by the employer allowing the employees to design their own package. There are several benefits for this plan like pre-tax conversion plan, multiple option pre-tax conversion plan, flexible spending accounts, medical plan and employer credit cafeteria plans.

    • Basic health plan: This is a low cost health insurance plan that provides limited benefits. These plans do not cover certain basic treatments and it is advisable that you should go through the policy document before purchasing. Premiums for such affordable health insurance plans are community rated and are based on gender, age, occupation, geographic location or health status.

    • Health Savings Accounts (HSA): This plan is designed to help you pay for your present health treatment costs and also save for future costs on a tax-free basis. You do not have to pay a premium here. Instead this tax-free account covers your out-of-pocket medical expenditure. What types of investment you should make, which third party or insurer you should rely on is completely your own decision. Generally, HSA requires you to buy a High Deductible Health Plan too.

    • High deductible health plan (HDHP): This inexpensive health plan is active only after a high deductible of a minimum $1000 is paid for an individual or $2000 is paid for a family.

  2. Top
  3. Managed Care Plan
    Managed care helps minimize unnecessary costs for healthcare. The policy holders receive extensive medical coverage while also giving financial incentives to the policy holders who opt for the medical providers listed in the policy. There are several types of managed care:
    • Health Maintenance Organization (HMO): There is an already existing network of participating physicians, hospitals as well as other health care professionals and facilities that you can choose from. The doctor you choose from the given list will then provide you with the required health treatment. If you need to go to a specialist your primary care doctor will refer. Generally there is a fee or a co-payment that you need to pay in HMP plan. Your out-of-pocket are fewer here.

    • Point-of-service (POS): In this plan the primary care doctors usually have the freedom to refer other medical providers listed in the plan. If the referral is not from amongst the listed doctors, it will still be covered but then you need to pay a certain co-insurance. If the doctor is listed in the plan, then the plan provides coverage for the same.

    • Preferred Provider Organization (PPO) : In this plan the listed doctors, hospitals and health care providers are paid by the insuring company. Often these payments are discounted and hence the costs will be lower if you choose a doctor from the network of doctors provided by the insurer. However, you may still go for a doctor outside the network but you will have to pay the difference between the medical provider's fees and what the plan pays.
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    Other health insurance options

    Two of your other health insurance options may include:
    1. Self-insured health plans
      A self-insured health plan or self-funded plan is one where the employer assumes responsibility (with pre-conditions) to provide health care benefits for its employees. This plan is designed such that the employers pay for the out-of-pocket claim as and when they occur instead of depositing a fixed premium to an insurance providing company. Such a self insured plan is subject to all Federal laws and Budget Reconciliation Act.

    2. Medicare
      Medicare is a federal government program designed to insure senior citizens. You can avail the benefits provided by Medicare to secure your future.
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    How insurance companies determine your coverage & rates?

    When you apply for a health insurance, your application has to undergo the insurance underwriting process. The underwriters evaluate how much of a risk you pose for the insurance company and accordingly approve or reject your application. Your rates and coverage limits are also determined if the application is approved.

    The following factors influence the health insurance rates of an individual:

    1. Age and gender of the person to be insured.
    2. Pre-existing conditions after a thorough check-up of the individual's medical history.
    3. Medical history of the family (whether or not the parents had heart disease, cancer etc.)
    4. Smoking habits of the individual.
    5. Previous records of mental health (whether the person had undergone counseling or used anti-depressants).
    6. Occupation.
    7. Choice of deductible, coverage and benefit limits, exclusions etc.
    8. Past records of health insurance applications.
    To know how the above mentioned factors have an effect on your health insurance costs, click here.
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    Tips to buy affordable health insurance

    The premiums for medical insurance seem to be increasing every year. This leaves us with the question that how we can find affordable health insurance coverage that suits our pocket. It may seem very difficult but with a little research you can still look for a suitable health insurance plan. You may follow the 6 easy tips to choose a health policy which not only suits your needs, but also matches your pocket.
    1. Know your state rules: Be familiar with the rules that your state follows. This way you can make rational and mature decisions about your health insurance. Pay special attention to rules about pre-existing conditions (if any) and also about what coverage you will get.
    2. Find out your insurance needs: Knowing what type of health insurance coverage you need is important. You may need short term health insurance policy or a regular one depending on the status of your job and your family planning. Getting a cheap health insurance policy may not be the solution to all your problems. You will have to keep in mind the requirement that you have.
    3. Calculate the overall costs: Prepare a budget for yourself. Buying health insurance doesn't just mean paying premiums. There are co-payments, deductibles and also sometimes co-insurance. Keep all of these in mind when planning for your insurance.
    4. Compare your options: To be able to find an affordable health insurance you must have an idea of all what is available in the market. After you have shopped enough get hold of a broker who can help you in comparing the policies. A comparison between few different companies and their products will help you settle better with a policy.
    5. Do your insurance homework: You need to be acquainted with the jargons of the industry if you must find yourself a policy that suits you best. Do your homework; get your research done properly to be able to buy a suitable policy.
    6. Never conceal information: While doing the paper works you may have to answer a lot of questions. Don't be tempted to lie or hide facts. This will only create problems in the future for you, and raise your costs for health insurance.
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    Individual Health Insurance vs. Employer Sponsored Insurance

    Most of you may have employer sponsored health insurance. But the number of people opting for individual health insurance is also increasing. This increase is due to the advantage that individual policies have over employer sponsored programs. They are:
    • Tailor-made coverage: Everyone has different health needs and individual health insurance recognizes it and provides policies to suit individual needs. Since the employer sponsored program is 'one-size-fits-all type, you may end up paying for coverage you don't need or not get a particular coverage that you may need.

    • Mobility of coverage: Unlike the employer sponsored insurance, you can still carry individual health insurance with you even if you are changing jobs.
    For more information click here.

    You must plan ahead to secure your future. With health insurance you can certainly prepare to face an undesirable situation arising from a medical condition.

    Related Readings:

    Useful letter

    Like temporary life insurance do we have any temporary health insurance options too?

    Posted: 22 Dec 2010 08:43 Post Subject: Heal & dental insurance

    I would like to get health & dental insurance. Presently I am insured but would like to get a less expensive health/dental insurance

    Posted: 05 Jan 2011 11:02 Post Subject:

    Health Insurance is offered in one year but as of these days, they are slowly offering short term health insurance for those who prefer that way.

    Posted: 06 Jan 2011 06:17 Post Subject: Health Insurance Cancellation

    Employee has been with the company for about 3 years. Premiums are auto deducted from paycheck.Anyone familar with Hippa laws Here is the scenrio Employee informed that thier health insurance was cancelled because they had 1 week in each of the 2 months prior that they did not make 30hrs week required to be eligible for health insurance however employee had enough PTO hours to cover shortage never recieved warning either verbal or written just simple verbal statement after the fact

    Posted: 21 Jan 2011 04:23 Post Subject:

    may i know the average it might require for a family of 4...child below 10 years...and me and my wife above 40...we live in akron ohio....i am under my employers cover right now...

    Posted: 29 Jan 2011 04:35 Post Subject: Health care

    You guys should stop complaining because, one the health care we have now isnt as good as it was supposed to be. also the law has just been signed so give it some time. so if u want to say u have the right to choose tell that to ur congress men or state official. If you do not have insurance and need one You can find full medical coverage at the lowest price search online for "Wise Health Insurance" If you have health insurance and do not care about cost just be happy about it and trust me you are not going to loose anything!

    Posted: 25 Mar 2011 11:31 Post Subject: ErRCVvOzeG

    Health insurance.. Not so bad :)

    Posted: 26 Mar 2011 09:03 Post Subject:

    Hi i am new here and I want to know about Chiropractic insurance plan.Please suggest me.i visited to Sandy Springs GA Chiropractor,where i got some knowledge for this and i want to more.

    Posted: 22 Apr 2011 10:09 Post Subject: EIhOrzfjHBpDg

    Health insurance.. Keen :)

    Posted: 28 Apr 2011 07:54 Post Subject: Health Insurance: Plans for Secured Healthcare

    health is not a just old age issue. Health problem can be in any age. So we should take care of it we should take plans for secured healthcare. If we take a health insurance then in some situations we can mediclame on the Insurance Agency. This is very useful for us.

    Posted: 30 May 2011 01:15 Post Subject:

    I couldn't agree more. The insurance companies are looking to take you for all they can. It is better to be overinsured than underinsured.

    Posted: 15 Jun 2011 09:18 Post Subject: Health Insurance: Plans for Secured Healthcare

    I became very happy to see the information about Health Insurance and Plans for Secured Healthcare . Thanks for sharing it.

    Posted: 23 Jun 2011 04:00 Post Subject: concern questions as a owner of a company

    I'm a owner of a company with only 8 emloyees. I'm looking for some good but resonable medical, dental & vision insurance for my employees. Can your company help?

    Posted: 23 Jun 2011 04:17 Post Subject:

    In what state is your business located? Most HMOs and PPOs offer guaranteed issue plans for small businesses with up to 50 employees. They may require that the employer pay a portion of the premium.

    Posted: 27 Jun 2011 12:19 Post Subject: Health insurance policies for the security of family.

    To make your life secure you always need to be covered by health insurance, even you keep your family secured if you have health insurance. Because your family depends upon you and if you get into any trouble regarding your health, you have to invest money, but if you have health insurance policy you can get good treatment with your policy.
    So better to have health insurance policies and health insurance quotes and keep yourself secure.

    Posted: 04 Jul 2011 12:16 Post Subject: healthinsurance

    can my health insurance cancl with out notifying me
    it is through cobra extensiom

    Posted: 23 Aug 2011 12:47 Post Subject: SjwSzkSBRYRHGw

    Check that off the list of things I was cofunsed about.

    Posted: 07 Sep 2011 01:46 Post Subject: Individual Health Insurance policy

    do you know about family health insurance and individual health insurance plans

    Posted: 07 Sep 2011 02:00 Post Subject: Gave information about Health insurance policy

    Please gave more and more information about affordable family health insurance and
    affordable student health insurance policy
    like
    what is affordable family health insurance?
    it's benefit etc... :)

    Posted: 07 Sep 2011 05:20 Post Subject:

    Your best resource for accurate and specific information about health insurance is a local agent in the community in which you reside. There are too many regional differences to discuss here.

    What is "affordable" to one person may be "unaffordable" to another. What coverage meets one person's needs does not meet someone else's.

    Posted: 09 Nov 2011 06:56 Post Subject: health insurance co

    hi I am looking for list of prominent health insurance companies in south india?

    Posted: 09 Nov 2011 07:18 Post Subject:

    Hi,

    I don't think this forum provides info on Indian health plans or companies. I'm sure you can get an insurance agent to help you on this.

    Posted: 16 Nov 2011 02:07 Post Subject:

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    Posted: 31 Jan 2012 08:27 Post Subject: Online services for policy holder

    Need smart claim for wellness checkup.

    Posted: 06 Feb 2012 10:53 Post Subject: best

    i like how you displayed the real facts here i still think regular individual health insurance is the best way to go

    Posted: 27 Feb 2012 03:45 Post Subject: cancelation health insurance

    dear sir i want cancel my insurance policy. so you are requested please cancel my insurance policy which is not issue so far.
    with regards
    satensra pal singh

    Posted: 28 Feb 2012 12:05 Post Subject:

    We are not your insurance company. Nothing you have requested will happen here.

    Posted: 05 Mar 2012 04:53 Post Subject: MedSupRates Selling Medicare Supplement Insurance

    MedSupRates provide best Medicare Supplement Plans for both healthy people and the people with existing health problems. We will help you choose the lowest rates from more than 26 different insurers.

    MedSupRates take care of you by providing you a licensed insurance agent to help you out with the best Medicare Supplemental Plan that suits your budget. We help a Medicare recipient to come in contact with an expert agent so that no compromise is made with what each one deserves and you get what you are looking for.

    Posted: 05 Mar 2012 04:56 Post Subject: Medicare Supplement Insurance at Affordable Prices

    Medicare supplement Insurance, which is recognized with the name of “Medigap” is a form of additional health insurance coverage for all those enrollees who are already covered under Medicare plan. Medicare Supplement Insurance facilitates enrollees by paying all the out-of-pocket expenses that are not covered under an Original Medicare health plan. For the superior and additional coverage, go for Medicare Supplement Plan now.

    A Medicare Supplement Plan includes monthly insurance premiums, which you have to pay to your chosen Medicare Company. Just like other types of insurance, it too carries deductibles, co-insurance and co-payments, which are associated with the coverage benefits received.


    Medicare Supplement Plan Benefits:

    • Preventative Medicare Care: Focuses in covering those portions, which are not covered by Medicare.
      Facilitates in paying for doctor approved, at-home assistance and all those medical activities, which helps in recovering from illness and severe injuries.
      Guarantees to cover all the travelling related emergencies by providing skilled nursing facility care to the enrollees.

    Posted: 05 Mar 2012 11:04 Post Subject:

    Medicare Supplement Insurance facilitates enrollees by paying all the out-of-pocket expenses that are not covered under an Original Medicare health plan.


    THIS IS 100% INCORRECT!

    While some Medicare Supplement plans cover 100% of certain out of pocket expenses, they do not cover 100% of ALL uncovered expenses -- there are many things Medicare does not even cover, and in most cases, Medicare Supplements to not cover them either.

    BEWARE OF PERSONS WHO MAKE SUCH WILD CLAIMS about any insurance product for any person. There is no form of health insurance coverage on the face of the earth that covers 100% of anyone's expenses.


    Medicare Supplement Plan Benefits:

    Preventative Medicare Care: Focuses in covering those portions, which are not covered by Medicare.
    Facilitates in paying for doctor approved, at-home assistance and all those medical activities, which helps in recovering from illness and severe injuries.
    Guarantees to cover all the travelling related emergencies by providing skilled nursing facility care to the enrollees.



    NOT TRUE!! DON'T BELIEVE ANY OF THIS!! IT IS ALL UNTRUE!!

    Posted: 18 Mar 2012 01:27 Post Subject: UHC Medicare Agent

    UHC Medicare Agent St Petersburg FL [Link removed as per TOU] is always there to provide health care facilities and health care agents to their clients and their health insurance to make their life secure.

    Posted: 22 Mar 2012 09:00 Post Subject:

    health insurance are very much necessary, they provide huge benefits to their customers.

    Posted: 14 Oct 2014 12:26 Post Subject: I am covered on wife helth plan

    Iowned my own business, so I have always been on my wifes
    insurance policy. She works for a medical group and has
    a great policy for family to include me . I am 67 and retired.
    Do I have to go on medicare or can I stay on my wife policy
    which is over 100.00 a month savings. She is 10 yrs younger
    then me so can I stay on her policy until she is 65.

    Posted: 05 Mar 2015 10:58 Post Subject: insurance

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    Posted: 15 Apr 2015 11:26 Post Subject: Can we legally cancel our employer provided health insurance

    My husband pays $520 a month for health care premiums.This includes $!20 that goes toward his HSA account to which his employer only contributes $22 a month. He currently has a $5000 deductible that will be raised to $10000 next year!. I do not work because I take care of our mentally disabled child. We live pay check to pay check even though we live a modest life style (no going out to dinner,movies). I am also a thrifty shopper. I feel like we are throwing that $520 in the wind because we only are covered for preventive care. You say only??? Think about it.... what happens if they find something in that lab report or X-Ray? You still have to pay that large deductible to get the care you need! $5000 might as well be $50,000 to some of us. As it is, in addition to his monthly premiums, we have several hundred more to pay for doctors/physiologist visits . So instead of having $300 a month in medical expenses we now have $820. That is more than my house payment and car payment combined! I would open an HSA account at my bank if there were a way to get out of paying for health insurance... any ideas? FYI- I already checked out the "Affordable" Healthcare website... their deductibles are even larger! So much for being affordable.

    Posted: 08 May 2015 07:25 Post Subject: health insurence

    will bankruptcy allow me to cancel my health insurance through my employer

    Posted: 29 Feb 2016 06:29 Post Subject: Thanks To Enlighten My Points

    Hi, I fully agree with your article. Our first priority is to secure our family future and look after the death. Everyone has different needs and requirements regarding their health insurance so, the person should make sure what he needs before buying any policy. I have brought the policy of Rais Insurance and I am now tension free regarding my family. Their affordable policy is really made for anyone.

    Posted: 03 Aug 2016 07:04 Post Subject: Health Insurance deductible vs. PIP Coverage

    Accident in Texas. My fault. Busted knee cap. Need surgery. Have $10,000 PIP coverage and $10,000 deductible under Health Insurance Carrier. Bills right now total $9,000 and climbing as I am awaiting surgery. Can bills paid under my PIP go towards my deductible so as to limit my out of pocket expenses?

    Posted: 06 Oct 2017 02:56 Post Subject: Find the Best Health Insurance?

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    Posted: 30 Oct 2018 05:58 Post Subject: Importance of Health Insurance

    With the experience of more than 15 years for Insurance Pro AZ, definitely, health matters and it should be of first priority when it comes to having a health insurance. A great post has been shared by you for creating awareness about the importance of one’s health.

    It is mandatory to have an insurance to overcome from any unforeseen happening to you or any of your family members.

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    Posted: 25 Jul 2019 11:04 Post Subject:

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    Learn to Love Your Body With These 3 basic steps

    Happiness comes from embracing the authentic beauty of your body does and here how!We all encountered with the bombardment of images of women bodies, From tv on pc, movement, organization, billboards, packaging and magazines young, mainly white, lean, rough, exquisite faces and bodies.The images with which we assailed to sell us everything's not authentic. They inflated, Photoshopped and drastically changed eyes made bigger, Necks far more time, Skin simpler, Legs thinner and all night.the optimum is a fantasy. as a result of, We should view these as odd and fetishistic art pieces, Not representations of real people today. We should avoid comparing ourselves or anyone to them.3 Steps to transform your Self ConfidenceInstead, functioning in the mirror and see flaws, skin problems as unforgivable failures to meet the ideal spots, cavities, Discolorations, wrinkle treatment, throws, cellulite, curly hair, which will else? We then collapse our of beauty with lack of something else we want in our lives. We tell by themselves that if we were thinner, Curvier or regardless of what, Then we will find love, Get that job and feel better about ourselves.We feel aggravated and shamed. We look at ourselves on the surface, Passing common sense. We look at light. We take a look outside ourselves for the answers, merchandise. We further alienated from your inner voice, Our intuition and our curiosity. really do not trust ourselves.Why does this amazing timepiece matter?Women spend hundreds of millions of dollars buying products, Gym subscriptions, Special clothing and undergoing surgery. effects? Still feeling less than the right. What else could that personal savings fuel? Women in national healthcare? some new our maternal care system? Free educational background? giving back the arts to our schools? per day joy?Women waste an enormous number of hours fretting, good sense badly, filing a complaint, bringing themselves/others down, Researching and coping with surgery. What could we do with all those hours if we were focused on what we really desire: marriage, Community and ability?up above, So below the micro wall mirrors the macro: I see and feel the bond between each woman body and the body of mother earth herself. Women are sold on their defects, Then we stand by as we sold on the imperfections of the planet the need for chemical fertilizers, For ripping off foothills, For carving ugly scars to get oil. Healing our personal relationships with our bodies and bodies of all women concurrently reconnects us to our mother and inspires celebrating, respecting and protecting her.How to Be Happy on your own As You Improve Your LifeWomen who seek loving peace and acceptance of their bodies discover an internal well of confidence and courage. They experience powerful self love that radiates out into their relationships, Work and open public. journey, How can we love others when we don love personally?do something:1. Prime the human brain.your mind doesn perceive reality with a capital R. It more like a filter, A computer in which we enter a program and the plan executes. as an example, You learn a new word. You swear you never seen it and no one uses it. then, all of the sudden, It everywhere you look. your head wasn primed to see it so it didn So prime your brain for beauty your own and the beauty others. to determine will I learn about my beauty today? have fun.strive to be thought beautiful and feel beautiful? begin by smiling. People know-how us as beautiful when we smile, We feel more beautiful and we also calm our nervous systems and release those happy chemicals that provide us a boost. Plus we exercise our muscles physical and mental!3. Replace negative self talk to positive self talk.Thighs are fat and ugly transforms to, Thighs are strong and support me properly in my life. I am gracious for my thighs. Wrong with me? Changes to right with me at night? Look old becomes is what wisdom and discover look like, Or see date a Russian girl wisdom and experience with my face.

    Posted: 28 Sep 2019 06:45 Post Subject:

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