Monthly Archives: June 2016

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How to Choose the Best Health Insurance Plan For You

28Choosing a health insurance plan can be a frightening task. nike air zoom schoenen So many things to consider and so many “tricks” to look out for.

Although it can be a little overwhelming at times, you can navigate through the shark infested waters and find a Health Insurance Plan that is perfect for your situation and at a price you can afford.

There is one very important thing you need to do before you get started…decide exactly what you need.

You can’t choose the plan and the benefits that are right for you if you don’t know what you need.

To figure out what you need, you have to answer a few questions of your current situation both about your health and your financial situation.

The more money you’re willing to pay in a family deductible, the less expensive any health plan will be because you are accepting some of the risk and that saves the insurance companies money.

So the first question you need to answer is how much do you want your deductible to be each year for family and individual? This amount can be determined by what you think you can afford to pay if something catastrophic were to happen to you or your family.

The way that we choose our deductible was that we looked at the difference in the monthly premium for each deductible and then figured out how long it would take us to make up the difference in deductible for each deductible level.

For instance, the plan we were looking at had deductible levels at $4,500 and $5,400 per year for our family. adidas pas cher The difference in the monthly premium between the 2 deductibles was $300 per month. Asics Pas Cher So we figured that in only 3 months we would save enough money to pay the additional deductible and the other 9 months we would put into our pocket as savings. Adidas Ultra Boost Heren Does that make sense?

The next question that you need to answer when choosing a health insurance plan is the type of plan that you want…do you want co-pays for doctor’s visits? If you do, how much do you want to pay?

Do you want prescription drug coverage?

There are a lot of types of health insurance plans and I think that each company names their plans something different so it’s hard for consumers to compare apples to apples. Nike Sko Norge Nettbutikk But there are 2 basic types right now:

1. PPO – which is a preferred provider organization 2. HSA – health spending account with accident and catastrophic rider policies.

The PPO is the traditional health insurance plan that most employers offer. nike air max pas cher It has co-pays for doctor’s visits and most of the time prescription drug coverage. The employer pays for the employee’s coverage and the employee must pay for the coverage for his family.

The PPO is the Cadillac of health insurance plans. Asics Gel Lyte 3 And since it is group health insurance, you cannot be refused coverage if you are a part of the group.

This can be a good thing and a bad thing. Nike Air Max Flyknit Dames If the group you’re in has a lot of sickness and/or accidents, the insurance company will increase your premiums. Memphis Grizzlies If the group is healthy and doesn’t have a lot of accidents, the insurance company will increase your premiums.

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Important Points to Ponder Before Buying a Health Insurance Plan

32A health insurance plan is an essential part of financial planning in this era of skyrocketing medical costs. Medical inflation has been aggravating at its full spree which makes it all the more important to buy a Health Insurance plan which could sponsor the hospitalization and medical treatment bills or expenses.

It is important to evaluate and look for the following parameters to get a best health plan for you and your family.

1. cheap air jordans free shipping Check for the Waiting Period Clause

You must be feeling care free after taking an insurance, but your health insurance comes with a waiting period clause for specific conditions. There is an initial period clause which says that any hospitalization claim will not be admissible in first 30 days of the policy commencement apart from accidental hospitalization.The pre-existing diseases or conditions are also not covered immediately after you purchase a policy.There is a waiting period ranging from 2 years to 4 years as per the plan conditions in the industry. Air Jordan 11 Uomo Also, there are certain surgeries and treatments like hernia, cataract, joint replacement, etc. Adam Wainwright Authentic Jersey which can be treated after a specific waiting period of 1 or 2 years.

So,it is important to check the waiting period clause before you finalize the health plan.

2. Check for Sublimits

There are certain capping or sublimits in your health plan which says that the specific kind of expenses are paid by the insurance company upto a specific limit and beyond that the insured or customer has to bear them at his own. New Balance Heren For example: Room rent charges are capped on per day basis for different health plans. Some health plans also come with a mandatory co-pay where the portion of the admissible claim is to be borne by the insured and the remaining is paid by the insurance company.

Check for the sublimits in your health plan to avoid any last minute surprises at the time of claim.

3. Check for Network Hospitals

The insurance companies offering health plans have certain empaneled network hospitals with whom they have a tie up. Any hospitalization or treatment taken in the mentioned or specified network hospital list is done on the cashless basis subject to policy conditions.

Check for the list of network hospitals of insurance company and ensure you have network hospitals of the insurer near your place of residence in case of any emergency hospitalization. Also, a treatment in non-network hospital may not offer cashless treatment and some insurers have a co-pay clause if you take a treatment in non-network hospital.

4. Check for the Claim Process

Different insurance companies have different claim procedures. Nike Nettbutikk Some settle or administer claims through Third Party Administrators (TPA’s) and some have their own in house claim settlement unit to foster quick and hassle free claim processing. Also, check the claim settlement ratio of the insurer you intend to buy a health plan from to have a clear picture on the number of claims settled by the insurer.

It is important to have a handy information on claims procedure to have a smooth and hassle free treatment in the times of hospitalization.

5. New Balance Pas Chers Compare & Buy Online

It is important to take a right buying decision which can be done by comparing the available health insurance plans online. air max pas cher You can compare the price, key features, policy benefits, value added benefits, eligibility, exclusions,etc. of multiple health insurance plans to make a right informed choice of your own without any interference of the agents. nike homme Buying online health insurance plan is a hassle free process which required least documentation and quick policy processing. There are certain online portals which will enable you to make an easy comparison and will assist you in choosing the right Health insurance plan.

Online buying of the health plan is economical as companies offer discounts on premium for buying a policy online. The reason for an insurance policy to be cost effective if bought online is because the intermediary cost of the premium component is removed. nike trainers sale When there is no intermediary in between, Co.’s save on the commission and policy issuance cost, which the Co.