What To Look For In Good Health Insurance
|
Health insurance is a kind of protection that provides payment of benefits for covered sickness or injury. Included in health insurance are various types of insurance such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance.
Before sign the health insurance policy make sure that you have read thoroughly the benefit's section. Take note of any health care service that is not covered by your health insurance policy. Also, pay specific attention to how the health insurance policy is worded. Sometimes, health insurance companies hide the health insurance coverage exclusions within the definitions of words.
For instance, a health insurance company may define the term 'emergency' as anything that is life threatening condition that cannot be reasonably treated by a primary care physician. Whereas, your definition of 'emergency' may be anything that requires quick medical attention.
Clearly, there is conflict for the two definitions. If you find yourself in an emergency situation where you incur a broker arm, for instance, your insurance company may deny coverage for emergency room treatment of a broken arm for the reason that the broken arm does not fall under the life threatening category.
Therefore, you should read over carefully the health insurance policy definitions, paying close attention to the seven key words:
medical emergencymedically necessaryaccidental injuryexperimental or investigationalpre certificationpre-existing condition, andreasonable and customary
These words and any words that are open to interpretation should be regarded with wariness. Find out how your health insurance company defines each of these.
Finally, find the section describing the procedures you must follow in order for your insurance company to reimburse you. These policy conditions or prerequisites are typically worded in a positive tone. Read through each condition carefully, make notes and call your health insurance company with any questions.
You should also compare health insurance contracts before you sign one. In order to compare exclusions, take two policy contracts and find the exclusions sections. If you want to compare a number of health insurance contracts then you could use an online service.
After you obtain your free quote for the health coverage you desire, apply for it online, and you'll obtain all the information that you'll need to compare exclusions of each health insurance policy (though sometimes this will require more research.)
Copyright 2005 Mike Spencer
Mike Spencer recently became unemployed and moved into self employment. He was forced to find his own health insurance plan to protect his family. It wasn't as easy as he first thought. Here he shares the pitfalls of various plans and what you need to look out for when picking a good plan for you:http://www.1st-for-health-insurance.com/articles/what-is-health-insurance.html
|
|
|
Life Insurance Careers
Do you like to spend all day being sitting around? Fixed income is good enough for you? Do you feel economic stability is not a priority right now?Well, if your answer to any of above questions is "Yes", you should accept the fact youhave a very high chance of being unsuccessful.But if, in the other hand, you are proactive, if you need to build a future for your family and yours...(related: Insurance)
What Is Consumer-driven Healthcare?
Consumer-driven healthcare is a label that we've put on a movement in America to change the way decisions are made in our healthcare system. Instead of insurance companies making all the decisions about how people will receive their healthcare, consumers are taking back the power over their own lives.Likewise, the days of a patient totally putting their lives into their doctor's hands are over. People don't trust doctors to always do the best thing. How could they? The doctor does not know the situation as well as the patient. It must be the patient's choice, and they must be making an informed choice, not one based on a five minute...(related: Insurance)
Term Life And Whole Life Insurance
Which type of policy is best for you, term or whole life? The answer depends on several factors, including:Your Needs. If you need coverage only until your children graduate from college, for example, you might be better off with a term life policy.Cash-value insurance is better suited for long term needs, such as planning estate taxes and providing lifetime security for your spouse. Some term policies cannot be renewed past age 70 or 80 and can become costly to renew as you approach that age.The Cost. If term life insurance is more suited to your budget and you want life time coverage, consider a term life policy which can be converted into a whole lif...(related: Insurance)
Cheap Car Insurance ? 7 Tips To Reduce Your Car Insurance Costs
With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it...(related: Insurance)
Shopping Options For Auto Insurance
Shopping for car insurance can be a big undertaking. It can be daunting at times but is very important. There are now many ways to get yourself insured and the coverage you need.Smart customers know it pays to do a little research before buying car insurance. Just based on the price of the insurance rates today, why not take the time to...(related: Insurance)
Millions Of Americans Have No Life Insurance
Only 61% of adult Americans have life insurance (down from 70% in 1984).Only 41% of adult Americans have individual life insurance, many rely on group insurance leaving them vulnerable if they lose their...(related: Insurance)
Converting An Unwanted Life Insurance Policy Into Ca$h
Do You Own A Life Insurance Policy That You No longer Need or Want?It is possible that you may be able to can get a CASH settlement in excess of the current cash surrender value by selling your policy in the secondary market to an investor.Reasons To "Sell&q...(related: Insurance)
Affordable Life Insurance!
So, you've decided to purchase life insurance. Well then, you have made a good decision! If you have dependents, you know that you must provide for them long after you are gone. Buying life insurance shouldn't be a budget buster either. Take a look at the following options which can help you save big time!Shop Online: There are several companies that wil...(related: Insurance)
How Do I Lower My Auto Insurance Rates?
Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates.
If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company.
If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount.
If you get married and are in your teens or twenties call your insurance company and see about combining your policies.
Take defensive driving if your state allows it for a discount.
See if increasing your comprehsive and colli...(related: Insurance)
Student Possessions Insurance - Insuring The Contents Of Your Room
In the UK each September, 350,000 new students embark off to university to begin a university ca...(related: Insurance)
Is Your Financial Security At Risk?
The topic of insurance is not sexy by any means. Perhaps that's why so many people avoid addressing it. Another reason may be a bit more subconscious--the avoidance of future, indeterminable events, in favor of present-day issues with more certainty.You are probably aware that many Americans are vastly under-insured. Home and auto insurance are important, and most people have that covered. What I am referring to, more appropriately, is your (1) life insurance,...(related: Insurance)
site-map - Copyright © 2006 Insurance | All Rights Reserved. | Insurance