Health insurance generally covers health risks and helps the policy holder with health care expenses like vaccines, X-rays, routine physical examinations and hospitalization. There are several private medical insurance companies that make coverage available to most all individuals seeking coverage and most all health insurance is paid in the form of monthly premiums. There are primarily three types of coverage; traditional health care insurance,...more
Many of us have not even thought about taking out a form of personal insurance and why havent we? Our lives are very busy doing something else and always putting it off. If we were to develop a critical illness and become ill, die of a heart attack or even become ill and be unable to work again what would we do? How would we cope financially and continue with the lives that we have become accustomed to? To be honest if we were to be unfortunate...more
When it comes to emergency care, in the past there were two options: the primary physician or the emergency room. If one's primary care doctor was unavailable, then it was common sense to go to the emergency room at the closest hospital. Recent years, however, have required individuals to modify their thinking and include the possibility for urgent care as a solution.Health insurance companies have recognized the benefits of the reduced costs of urgent care and passed this down to clients. While actual co-pays vary across insurance companies, opting for an urgent care clinic in lieu of an emergency room can amount to significant savings. However, the issue with this mindset is the potential for thrifty patients to choose urgent care in situations in which they should have gone straight to the emergency room. In these cases, individuals will either be instructed to go to the emergency room from the clinic or have an ambulance ride there. This doubling of services will result in a huge increase of out-of-pocket expenses.There are many situations that warrant bypassing urgent care and heading directly for the closest emergency room. Individuals with neck or back pain following an auto...more
We all know the drill when we go to a new physician's office. Provide your health insurance card and ID card for them to copy, fill out contact and emergency information, complete a comprehensive medical history form, and sign the HIPAA form. This last form generally provides you with information as to the privacy of your medical records, and while...more
Many doctors today ask a variety of questions regarding the health of your family as well as your own personal history. It is important that you can provide as much family medical history as possible to your family care provider. Keeping a diary of your personal health records and medical records will be very helpful for you.A family medical...more
When shopping for a health insurance provider, it is best to check out multiple companies so you can compare the different plans which they offer. Here are 10 insurance companies and a brief description:Blue Cross Blue Shield Association is a group consisting of 39 health insurance providers located around the United States with a limited out-of-country coverage, but their headquarters are located in Chicago Illinois. It is a merged organization, with Blue Cross dating back to 1929 and Blue Shield dating back to 1939. They merged to form the current association back in 1982. They provide both Health Maintenance Organization (HMO) Plans and Preferred Provider Organization (PPO) Plans, with at least 100 million direct or indirect subscribers across America.Cigna Corporation is a global health insurance provider which operates internationally, but more predominantly in the United States. It was first formed when the Connecticut General Life Insurance Company and the Insurance Company of North America decided to merge and form the present company. Group Health Cooperative is an insurance provider which is consumer-governed and run. It was established in 1947 and is currently based in...more
Although some people consider having health insurance as an additional payable, a lot of people actually want to get one because of the benefit it offers. For one, the high cost of medical treatment is one of the factors why people face debt. Two,...more
For many individuals health care has become a very important topic. Health care is one of the most important issues facing individuals today, and the idea of securing affordable yet convenient coverage or insurance has turned into a very difficult...more
First wife of Sir Paul McCartney and creator of the self named vegetarian food range, Linda McCartney was diagnosed with breast cancer in 1995; her condition soon grew worse as it spread to her liver. She died in 1998 at the young age of 56. Breast...more
Cheap Health Insurance Coverage If you are looking around for Cheap health insurance coverage then go to health insurance websites there you are going to find available cheap health insurance coverage. Times have change and it is very...more
Imagine having to go to the emergency room because of an unexpected medical crisis, and being faced with enormous medical bills because you do not have the proper health insurance to cover the expenses. Many people have faced financial ruin simply...more
Catastrophic health insurance coverage might just be the perfect health insurance for you. Generally, health insurance plans can become quite expensive, mainly because of the monthly premiums. It can become quite burdensome to have to pay a certain...more