Finding Affordable Health Insurance

Affordable  health   insurance  – it seems, particularly today, those words just don’t belong together in the same sentence.  Health   insurance  monthly premiums are becoming the biggest single expense in our lives – surpassing even mortgage payments. In fact, if you have any permanent health problems, such as diabetes, or have had cancer at one time in your family history, your monthly cost could easily be more than the house and car payment combined.

Shopping for affordable  health   insurance  can certainly be an eye-opener. If you have always had a  health   insurance  benefit where you work – especially a state or federal employee – and now have to buy your own, you may not be able to afford the level of  health   insurance  coverage you have become used to.

Affordable  health   insurance , however, is definitely available -if you know how and where to look.

When you are looking for affordable  health   insurance , you want the lowest cost per year that will fit your budget, of course. But, even more importantly, you want a company that has a good record for paying without fighting with you on every detail. Just as there is a car for just about any budget, there is also affordable  health   insurance . You may not be able to afford a “Cadillac” policy – but then you probably don’t need all the frills anyway.

Shopping for  health   insurance  on the internet is the easiest and best way to find affordable  health   insurance . Here are five reasons why.

1. You don’t need a local agent to help you submit the claims for  health   insurance . The medical provider does it for you. You save money because the  health   insurance  company saves money by not paying the agent commission. This could amount to an 8% to 12% savings to you.

2. All the top  health   insurance  companies are at your fingertips on the internet. Most local agents can only quote you from the few companies that they represent. They may not offer you what is best for you financially or health-wise but only what they happen to have available.

3.  Health   insurance  companies have to be extremely competitive because it is so quick and easy to compare them with their competitors on the internet today. In the past you would have had to visit physically eight to ten agents to do a similar comparison. Most folks just didn’t have the time or desire for that.

4. You can change your coverage, deductibles, and payment options with just a few clicks rather than going through the paperwork delay with a local agent (and then finding out he/she made a mistake – more delay).

5. Charging to a credit card means you aren’t going to forget a payment and be without insurance. Also, it gives you another 30 days before you actually have to pay. Also, many companies today give an additional discount for “auto-pay”.

The key, however, to finding affordable  health   insurance  is realizing that the purpose of any  health   insurance  is to protect you from a major financial loss – not to protect you from spending small money on clinic visits and sliver removal. These small expenses may be cumbersome but they generally will not hurt you. It’s the $100,000 heart operation that will break you. That’s the financial disaster  health   insurance  was originally designed to prevent.

Also, keep this in mind.  Health   insurance , as with any insurance, is a gamble. You are gambling that you will draw out more than you pay in. Your  health   insurance  company is gambling they will pay out less. The odds are in their favor for two reasons. They have all the facts for millions of families to average out, so they know the risk in advance. Also, they get to set the rules and the prices. The higher you set your deductible, the more risk you take. This is not a bad thing at all. You will most likely be the winner in the long run.

Yes, finding affordable  health   insurance  is much easier than most people think.

By adding more of the risk with higher deductibles, spending a little time on the internet comparing eight to ten different companies, and deleting coverage that you will not likely need (such as maternity for many people) will make it likely for you to find your own affordable  health   insurance .

Smart Tips For Uncovering Oils

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Getting a quality Hemp Oil is merely the same for your whole body as putting petroleum in your car’s engine unit. This lubricates the system. Hemp is exclusive with an almost correctly healthy profile of Omega 3, 6 & 9 to fit the body’s preferences. Exclusively among common seed essential oil, this also contains GLA (Gamma-Linolenic Acid) sometimes more uniquely, boosts circulating GLA. GLA (Gamma-Linolenic Acid) study all over the world has demonstrated that hemp oil (simply because can all fatty acids) improves the body’s organic capability to heal and in addition increases our immune systems. The Fundamental essential fatty acids in hemp are distinguished for their capacity to improve cell progress and organ action, vigor and state of mind.
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In depth studies have proven that lots of common conditions such as for example Dermatitis, Joint disease and several various other danger is linked to deficiencies or unbalances of certain fatty acids, and especially, Omega 3, 6 & 9. Plant seeds of the plant cannabis sativa, hemp seed include all the primary proteins and efa’s needed to keep healthy human existence. No other solo plant source delivers the essential proteins in this easily digestible kind, nor has the efa’s in as excellent a ratio to satisfy human nutritional needs. Its exclusive nutty flavor helps it be ideal for make use of in dressings for salad, scoops and so on., as an complement to all or any vegetables, or taken directly, as a supplement. Hemp Oil is well suited for Non-meat eaters and Vegans. For further guidance on arthritis, healthy fat and medical, go to the internet for more information and learning tips.

Colorado Health Insurance: Helpful Information

The Colorado  health   insurance  marketplace can be difficult to navigate. If you’re looking for  health   insurance  on your own, you may be wondering, “Where can I find the right  health  plan for me? Where can I turn if I am denied health coverage? What are my rights as a consumer in Colorado?”

To help answer those questions, we have researched and compiled important information regarding Colorado  health   insurance . By taking the following tips into consideration, you’ll be able make a more educated  health   insurance  purchase.

Things to Remember When Shopping for  Health   Insurance 

Colorado  health   insurance  consumers should follow the following recommendations when purchasing  health   insurance :

  • Read the insurance policy and contact the insurance company or insurance agent if you have any questions.
  • Make sure you review the section of your  health   insurance  policy entitled “exclusions and limitations.”
  • Find out how rates will increase as you age, and how often an insurance company can increase rates.
  • If you are looking for a managed-care plan, check the provider’s directory to make sure there are suitable doctors, hospitals and other health care providers available.
  • Find out if there are any “ health  plan report cards” available that assess consumer satisfaction/quality of care with various  health   insurance  plans.
  • Call the insurer’s customer service number to see how quickly you are able to get help.
  • If you have special needs or preexisting conditions, make sure you contact a doctor or support organization for  health   insurance  recommendations.

Colorado  Health   Insurance  Subscriber’s Rights

Colorado  health   insurance  consumers have certain rights through Colorado state law. Regardless of the type of  health   insurance  coverage you hold, you have a right to:

  • Insurance coverage for certain mandated benefits
  • Know what your  health   insurance  plan does and does not cover
  • Contact your insurer to complain or appeal any decisions with which you disagree
  • Receive a standard form outlining  health   insurance  benefits for comparison between companies and  health  plans
  • A written explanation of why an  insurance  company denies your  health   insurance  application, or excludes a  health  condition from  insurance  coverage
  • Coverage of emergency room care, if you believe you are facing a life- or limb-threatening injury (even if it turns out you were not)
  • Prompt payment of claims

What to Do If You Are Denied  Health   Insurance  Coverage

If you have been denied  health   insurance  coverage in the state of Colorado due to preexisting medical conditions, you may qualify for the Colorado Uninsurable  Health   Insurance  Plan (CUHIP). CUHIP gives uninsurable Colorado residents the ability to be insured through the state-subsidized CUHIP program. However, due to the higher risk levels of CUHIP patients, CUHIP subscribers pay about 30 percent more for  health   insurance  than most healthy people. If you are uninsurable due to a preexisting health condition, you may contact the CUHIP administrator at 1-800-672-8477 for more information.

Remember to Shop Around

 Health   insurance  plans can vary widely in both price and coverage. Make sure you take the time to shop around, ask questions and learn as much as you can about potential  health   insurance  policies.

Health Insurance Alternatives For the Uninsured

Recently, I read an article in this publication, “The Middle-Class Struggling with Health Insurance.” Health insurance costs are certainly an issue for everyone today, especially the self-employed and those working for small companies. Many companies are trying to cut costs and those cost-cutting measures may eliminate employee health coverage, forcing employees to find coverage on their own. Consequently, many employed individuals and families are now facing the same challenge small business owners have been facing for years–finding affordable insurance.

The nation’s uninsured population of approximately 45 million has risen dramatically in recent years. According to Todd Stottlemyer, president of the National Federation of Independent Business in recent testimony before Congress, nearly 63% of the uninsured are small business owners or employees of small businesses.

Many uninsured are unaware of an alternative to costly individual health polices. Individual policies, unlike group health insurance, have premiums based the risk factors of the particular individuals covered by the policy, meaning the risks are not shared by a large group, making the polices much more expensive than group insurance. Without knowing about alternatives to individual polices, many will simply elect to forgo health insurance once confronted with the enormous costs of individual health coverage.

Individual polices not only are expensive, they limit the insured’s ability to design a plan that meets their needs. Individual health polices are usually “off the shelf” polices that have set coverage.

In addition, many who leave a corporate position and enter business for themselves are shocked at the real cost of health insurance. While in their previous position, their employer was paying a portion of their premium. What they paid wasn’t the premium for their insurance, but a percentage of the premium. When faced with the reality of having to pay the full premium themselves, many refuse, leaving themselves and their family uninsured.

Health insurance costs are undoubtedly rising. The cost of healthcare continues to increase, from the cost of visits to the doctor, hospital costs, pharmaceutical costs, emergency care, and all other aspects of healthcare.

Yet, perceptions about healthcare and insurance have not changed. People want the freedom of self-employment, or to work for a small company, but they want the same benefits and costs they have become used to when working for a major corporation.

The self-employed and those working for small companies must rethink their concept of health insurance. Health insurance, like auto insurance and home insurance, is designed to protect against catastrophic loss, not for every sniffle. Rather than viewing health insurance as a go to the doctor free card, health insurance should be viewed as protection against disaster.

Home insurance doesn’t protect against losing a single shingle or two. It protects against catastrophic roof damage. Auto insurance doesn’t protect against dings, minor dents and flat tires, it protects against significant loss due to accident, fire, theft, or other damage. Health insurance should be viewed no differently for the self-employed. It is protection against major loss, not minor dents and dings.

In addition to a change in the way health insurance is perceived, uninsured people, whether self-employed or working for a company that doesn’t provide a group policy, have alternatives to the costly individual policy. Joining a group to purchase health insurance through business or industry associations cannot only reduce the cost of the health insurance policy; many times the individual has the freedom to design a plan that works for them and their family. Moreover, association policies are typically available to both self-employed and employed individuals and families.

Calynn Colceri, a hair stylist, had an individual plan through a well-known national company. She had bought her individual “off the shelf” plan based solely on price. She was unhappy with the coverage, which didn’t meet her needs and she was distressed that the company increased her premiums on a regular basis. By showing her a group plan through an association, I helped her design a plan that meets her needs precisely, expands her coverage in many areas, and is cheaper than her individual policy. Not only have her premiums decreased and her coverage improved, she has also gained a number of additional business benefits that directly affects her business through her association membership.

If designed correctly, self-employed individuals can also take tax credits for their deductibles, dental, vision and other medical expenses, up to 100% of the costs, further reducing the real costs of the health insurance. To determine how much, if any, tax savings one would be eligible for, a tax professional should be consulted.

Although a serious issue, health insurance can be a manageable expense for most Americans. Certainly, it may require a new mindset regarding the use of insurance, but if approached rationally and by seeking out group alternatives to the individual health policy, health insurance need not be the financial monster it is perceived to be.

Health Insurance – Securing Your Health Care Needs

The awareness of health issues is possibly at an all-time high though action might lag behind. A fortunate few have insurance. Some others can afford the ever-increasing costs of extended hospitalisation, tests, surgeries, etc. But for many others, borrowing from friends and relatives is the only way to ensure that the care for themselves or their families in not compromised in the time of need.

Today, healthcare expenditure, not just in India, but around the world, is highly inflationary. Further, it is not negotiable or something that one wishes to compromise on. Therefore, it is absolutely necessary to ensure that you are adequately prepared to meet medical needs. Over the past decade, there has been an increasing incidence of lifestyle diseases coupled with rising medical costs. Even though the awareness of health issues is high, there is evidence of not saving enough for medical emergencies that may arise anytime. According to a survey by NSSO, 40% of the people hospitalized have either had to borrow money or sell assets to cover their medical expenses, which again are rising at 16% per annum.

Worldwide, health insurance is regarded as the most cost effective route to tackle healthcare expenses. An ideal health insurance solution offers comprehensive cover for all medical expenses incurred by an individual, be it day-to-day medical expenses (which include regular medicines and routine check-up costs), hospitalization and surgery expenses or expenses to treat critical illnesses. While there are many kinds of health insurance, a growing set of consumers in India are opting for plans that ensure a fixed sum of money for a specific illness, thereby allowing them to optimize their healthcare spends as per their needs. In addition, individuals can pay minimum amount of premium and buy a health insurance product that not only covers him / her but provides a cover for the entire family.

The treatment for cancer or organ transplants cost anywhere between Rs.5-10 lakhs. The total cost not only includes medical and hospital expenses but also the incidental expenses like traveling, lodging and temporary loss of income for an individual recuperating from the illness. In fact incidental cost contributes at atleast 35% of the total treatment. Therefore it is necessary for an individual to buy a health plan so that a health emergency does not derail any other goals.

However, before selecting any health plans, an individual should take into consideration the different kinds of medical expenses he may incur and the various kinds of health insurance plans available. Further, there can be broadly three types of medical expenses:

oDay-to-day medical expenses – which include regular medicines and routine check up costs. They generally do not impact an individual’s budget significantly.

oHospitalisation and surgery expenses – which comprise of treatment of minor ailments and

oExpenses of treatment of critical illnesses – these include treatment costs, incidental costs and loss of income.

A health insurance plan should cover the widest possible range of the medical procedures for the longest possible term. It should also cover the policy holder against all the possible health care expenses. While there is no such thing as a standard coverage, one should opt for plans which offer long term coverage. The customer should take into consideration his own lifestyle needs, with respect to the kind of hospital and the type of room he would prefer, while deciding the sum assured for a policy. Further a policy should entail upfront underwriting to ensure what one is covered for and what is not. At ICICI Prudential Life Insurance, we offer some unique polices that have been the first of its kind in the industry, for example, Diabetes Care and Cancer Care.

Finally, under Section 80D one gets tax benefits by investing in health insurance plans. An individual can save tax up to Rs. 5099 (valid for an annual income above 10 lakhs) over and above what is covered under Section 80C.

Although there is no supplement to a healthy lifestyle, a health insurance policy can help you reduce the financial burden incurred during a medical exigency and enable you to concentrate on your recovery rather than on how your medical expenses will be met.