There can be times in your life when you need a temporary health insurance option to help you and your family. It may be while you are in between jobs or while you wait for another group policy to begin, but if you no longer have access to COBRA coverage or if you need a less expensive option then a short-term health insurance policy might be a good option for you.When you get health insurance quotes online, short-term health insurance is one...more
The new healthcare reform bill will completely change how health insurance works in the United States by 2014. Here are just a few highlights: * In 2014, not only will most adults be required to carry health insurance but insurance companies will not be allowed to decline coverage based on pre-existing conditions. While this could be viewed as a great change in the way health insurance works in this country, it is unknown how it will affect...more
If you are trying to select a health insurance option, you may be having some difficulty. There are many different insurance plans to choose from and you want to find the one that best fits your individual needs without spending too much. It is imperative that you have a basic understanding of health insurance plans before making a decision.The three forms of health insurance payments are premium, co-payment, and deductible. A premium is the overall cost of your medical insurance that you pay to the insurer. It is usually an annual rate that is split into monthly payments. A co-payment is a set amount that you pay to a health care provider before they provide care to you. A deductible is money that you pay to the health care provider, either a fixed amount or percentage of the bill, that you must pay before the insurer pays the remainder.In the world of medical insurance, plans can really be broken down into four broad categories. The categories are health maintenance organization (HMO) plans, point of service (POS) plans, preferred provider organization (PPO) plans, and fee for service (FFS) plans. Each of them has varying degrees of flexibility and premium costs. They each also...more
When most people learn that their family's health insurance coverage is going to cost more, they shop for a more affordable policy. Often the solution is a combination of an insurance plan and a tax-sheltered Health Savings Account.More than 1 million Americans have made a similar choice, signing up for high-deductible health insurance policies and...more
Just like parents worry about the health and well being of their children, so do children worry about their parents when they grow up. It is only natural for a son to worry about his parents physical condition because age is the biggest leveller of things. Looking at the worry and concern of the children, it is only understandable that they try to...more
We all make use of our Medical insurance at one time or the other in our life. Sometimes there are cases where your reimbursement of a Health insurance claim is not honoured correctly. Sometimes there are also cases where due to a miscommunication, even after a medical insurance procedure is completed with the Health insurance companies, the procedure for making the claim for health insurance is not easily understood by the consumer.Both these situations arise due to lack of communication about Medical insurance between the insured and the Health insurance companies. Since claims do not arise as soon as Medical insurance is done, there is a general tendency to put away the policy papers without an in-depth study or clarification of doubts. Health insurance companies understand medical emergencies and put out detailed procedures for making claims and also give information about what is covered in the Medical insurance and what is not. Health insurance claims are entertained by the insurance companies without to and fro if the procedure is correctly followed. Clearing a claim would take time as there are a lot of things to be verified. A Health insurance claim needs to be checked by...more
Medical insurance is one of the most essential things in life these days. Ever increasing cost of healthcare can make it extremely difficult to cope up with the medical expenses. Health Insurance companies in India however, can make a difference to...more
Caring for yourself is not only a wise decision but a necessity nowadays. Health insurance in India is on the rise with more and more people realising its importance. Just as you insure your car or your home, health insurance for individuals is...more
Government officials are cautioning insurance companies to stop utilizing scare tactics to stir up public concern in relation to government modifications in the health care system. It appears that several health insurance companies are using the new...more
In my many life experiences, my first massage was not all it could have been. Having had more massages than my first one, I realize, it actually is great. I was the subject of a lady who was learning. I worked at a health club and she needed...more
What a great massage I just had! Oh, I feel so great after that massage. If you are saying that, chances are you just had a Swedish massage. This is one of the more modern styles of massage, however, it is by no means new. This style of massage was...more
During the busy schedule of official work, homely responsibilities and daily routine, one may find it difficult to manage some time for visiting a doctor for a proper medical check-up and physical assessment. Yet, it is very necessary to have a...more