March 25, 2018


Health Insurance – a security against medical emergencies

You might have heard of the old saying,” Health is Wealth” which seems a simple sentence but its significance and meaning is so deep which says that the wealthiest thing you will ever own is good health. Being an extremely rich doesn’t do you much good if your health isn’t good and you can’t enjoy the money. Rich or poor, health is the one thing that all of us try to aim for because our happiness lies in our good health. [Read more…]

Health Care vs. Health Insurance

I’ll be blunt and get right to the three points of this article.
Point 1. Health care and health insurance should be separated.
Point 2. If it weren’t for the fact that health insurance has come to mean health care for most Americans there would be no health care reform.
Point 3. The only way to fix America’s health care once and for all is to bifurcate health care and health insurance as they should be.
I’ll also give you three reasons why I say this so if you choose you can go to other articles and not bother with reading this further.
Reason 1. Because health care is now paid for by a third party health insurance premiums have increased over 100% since 2004.
Reason 2. On average over 60% of every health care dollar is wasted in the health insurance claims process.
Reason 3. Because of the health insurance/health care connection Americans are being robbed of their most precious birthright – their health.
By means of government and health insurance company propaganda health care has been synonymous with health insurance since most of us can remember. At some point who among us hasn’t thought we needed a job with “benefits,” or maybe better benefits, so we could go to the doctor. We have been brainwashed by a system that profits monstrously from our lack of knowledge or apathy – whichever the individual case may be. We have been taught from our first paycheck that health insurance is the be-all-end-all when it’s time to take the kids to the doctor for a runny nose.
That is confirmed within days when we get bill from the doctor’s office that says that the cost for that visit was $225.00.
The system is rigged and it’s rigged so that each and every American thinks that someone else should pay for their health care. More on that later.
Health care should be separated from health insurance like car care is separated from car insurance. When it’s time for an oils change do you reach in your pocket for your car insurance card to pay for it? “Of course not.” you say, “That would be ridiculous.”
I ask you now to stop for a second and think why that would be a bad idea.
In case you don’t know, let me give you a little primer on insurance. Insurance premiums are based on, among other things, claims – both the number and the amount of the claims. The individual states Department of Insurance ride herd over insurance companies to see that the amount paid out in claims is in proportion to the amount collected in premiums. So an insurance company doesn’t get a rate increase unless they have the claims to substantiate the increase. (That, by the way, is the one good service that the departments of insurance serve, since as individuals we don’t have the time nor the inclination nor the resources to look all of that information up.)
So let’s now go back to the oil change scenario and look at it again. Instead of the one, two or three claims that you may file in a lifetime on your car insurance, you now find yourself filing a claim every three months or 10,000 miles. What would you expect your premiums to be like? How much would they increase? Also take this into consideration; your local mechanic or oil change service would have to wait 90 to 120 days to get paid for their money for the oil change. Plus there would be layer upon layer of paperwork to file the claim. The fact is, that if car insurance was like health insurance, your local oil jockey would have to hire an entire billing department just to file the correct forms with the correct codes – not once – but maybe as many three or four times.
Do you think the oil change would still be $35.00 at your local Spiffy Lube would still be $35.00 or with the added payers of paperwork and personnel would the cost go up?
The average face time with a medical doctor in the United States in now less than 10 minutes. The average amount of office labor involved in collecting the money for that 10 minute visit is upwards of three hours. How much is that costing you? Since there are no statistics kept on this let me do the simple math for you here. Billing and coding personnel make an average of $15.00 an hour. That could mean as much as $45.00 of your health care dollar goes toward processing your claim… and that is just at the doctor’s office. To be fair it is probably close to $30.00 on average but that is still a mighty large chunk of money.
It is even larger when you look at what the doctor gets paid. (I told you earlier we would get back to this.) Don’t look at what the doctor bills, Look instead at your EOB, Explanation of Benefits that comes in a few months down the road. Don’t get caught up in the coding and insurance gibberish but instead look good and hard at the amount that was paid to the doctor. In many cases it will be something around $50.00, up to very rarely, $100.00.
So the doctor paid out $30.00 to $45.00 to collect $50.00. Does that sound right or even smart?
Then there are the processing costs added on at claims departments at the insurance companies. Most companies have at least two tiers of bureaucracy to look at every claim. The highest cost of any division at the large health insurance companies – right after management – is the claims department.
The new health care reform law (Patient Protection and Affordable Care Act )has added no less than 159 new programs, agencies and departments in between your visits and your doctor getting paid. Anyone out there really think all of those programs will save your health care dollars for health?

Recession Causes Higher Individual Health Insurance Rates in More States

Recently, Anthem Blue Cross–the largest provider of health insurance in California–proposed a significant increase in the price of its individual health insurance policies. The price hike of over 30% was set to take effect several months from now, and drew criticism from the Obama administration. Under current law, health insurance companies are regulated by the states. Health and Human Services Secretary Kathleen Sebelius only had the authority to write a stern public letter criticizing Anthem. In an attempt to resuscitate healthcare reform, Democrats pointed to the WellPoint subsidiary’s actions as a harbinger of what would happen in the health insurance market if their bill fails and the status quo remains.

It remains to be seen whether that tactic will revive support for health insurance reform, but there are indications that individual health insurance plans in several other states are looking to follow suit. In Maine, Anthem Blue Cross health insurance wants to increase its rates by nearly one-fourth; that’s on top of last year’s jump of one-third. Meanwhile, health insurance companies in Oregon have had their requests for 15% rate increases for individual health insurance approved. They, too, had also previously increased prices the year prior.

Many people have demanded an explanation for these price increases, especially during a recessionary period. Standard economic logic would have predict that lower demand from consumers with less money to spend would cause insurers to lower their premiums to attract more businesses. However, the health insurance industry is unique in that regard. In some respects, their costs are relatively fixed. Healthier people are more likely to drop their individual health insurance policies or switch to Health Savings Accounts and high-deductible health insurers plans with lower premiums. The people that keep their comprehensive health insurance in those circumstances tend to be those in worse health. Unhealthier people continue to use medical care. It costs health insurance companies money to fulfill their claims, while they are losing the more profitable individual health insurance consumers that generated income while using relatively small amounts of health care.

As a result, Oregon and Maine insurers–along with individual health insurance providers from California–have to increase their prices to maintain profit margins. Despite job losses, the employer-based group health insurance market has seen less volatility in sales. That, in addition to the larger risk pool that allows health insurers to spread costs, means that their rates have increased as significantly as those for individual health insurance.

What are the state health insurance regulators doing about this? Some states have no authority in the matter; they can negotiate with a health insurance company and plead with them to lower the level of proposed increases, but insurers don’t have to heed them. In these particular states, insurance departments can deny health insurers rate increases. However, individual health insurance companies can appeal the ruling or even sue to have it overturned. Oregon regulators approved several years’ worth of double-digit increases, since 2006 premium cuts caused individual health insurance providers to lose money. Unfortunately, the state insurance department’s reparations had exceptionally bad timing for its residents. In addition, they agreed with health insurance companies that an increase in diagnostic tests and higher service provider costs justified the rate increases.

Maine regulators have not been as charitable towards providers of health insurance. Originally, Anthem Blue Cross wanted last year’s average increase in the rate of individual health insurance to be 18.5%, but the state was able to hold the average consumer’s rate hike down to about 11%. The state is holding two public hearings on the issue later this month. Consumer protection groups are planning to attend in full force.

Proponents of healthcare reform claim that these increases show that the current system is not working, especially states like California or Maine, where a single health insurance company holds a near-monopoly. If there is a dominant individual health insurance provider in a state, it is easier for them to raise their rates without competition. A national health exchange market would attempt to bring prices down by promoting market competition, while subsidies and health insurance mandates are intended to help lower individual health insurance rates by increasing the size of risk pools. Anthem has called for the health insurance reform process to continue, because it has the potential to bring them more customers. Others believe that a better approach to the problem would be to allow insurers to sell policies across state lines, which would also serve to open up the market.

Individual Health Insurance vs. Group Health Insurance

Individual health insurance is very different from group health insurance in some respects. Many people have had group health insurance from a large corporate group plan and that is all that they have ever known. Many have never had to actually pick and choose between different insurance companies and different health plans as all of the decision making was done on their behalf by their employer. Here are a few quick things to keep in minding when searching for individual health insurance.
The underwriting for individual health insurance is different than the underwriting for group health insurance.
This is great news if you, your spouse and kids are healthy as individual health insurance rates are much cheaper than a comparable group health insurance plan. It could be a cause for concern if you have some health issues in your past as there is the possibility that the application will be declined due to what is called ?pre-existing conditions? in your medical history. Most individual health insurance companies will look back into your health history going back about 10 years. If the application is on a fully underwritten basis and there are major health issues such as cancer, diabetes, heart disease, etc. then the application will be declined. (What do you do at this point? Make sure that you keep your current coverage and elect COBRA benefits or any other form of continuation coverage and when that coverage expires you will want to look for a HIPAA eligible health insurance plan).
Individual health insurance is much cheaper than group health insurance.
Think of it kind of like; in individual health insurance the insurance company gets to pick and choose who they will extend coverage too. They choose those who are healthy and have the lowest risk to the company. Therefore, the rates are much lower than in a group health insurance plan where no matter who applies for coverage, whether healthy or unhealthy, they are offered coverage (and of course everyone that is unhealthy wants health insurance ? this principle is called the law of adverse selection if any super technical people just love knowing the actual name of insurance principles). A good way to think about it is if you are healthy and on a group health insurance plan then you are in a sense subsidizing the cost of all of the unhealthy people on the group health insurance plan.
Getting quotes for individual health insurance is very easy.
Obtaining group health insurance quotes is sometimes a long drawn out process of filling out a census form with all of the employee information and other administrative time consuming tasks. With the ease of the Internet and the simplicity of individual health insurance rates all it takes is a few moments to enter in basic health insurance information and you can view individual health insurance rate quotes online.
Compare student health insurance quotes from multiple health insurance companies, learn how to find California low cost health insurance, and get free Texas health insurance quotes.
Take a few moments to learn about the different health insurance plan options in your area so that you can be better equipped to find the most appropriate health care coverage for you and your family!

Guide to Student Health Insurance

Congratulations, you have honest graduated from high school, and you’ve decided to recede on and further your education by going to college. At this time your parent’s health insurance idea may have dropped you, but don’t wretchedness, because there is a resolution… student health insurance.
Types of student health insurance plans include but are not shrimp to: international health insurance, short term health insurance and supplemental health insurance. When you start shopping for a student health insurance thought, the first thing you must assume about is the type of student health insurance you want to hold. Some colleges offer a basic student health insurance notion, and many insurance companies also offer discounted rates to students. With that said, you may want to mediate checking out the plans your college has to offer, and even plans from insurance companies that offer discounted rates to students.
If you’re planning to benefit college in a different country then you may want to view into international health insurance. International health insurance is usually purchased by people who understanding to leave the country for a sure period of time and return later. International health insurance covers medical expenses that you may incur while visiting another country. Some expenses international health insurance may mask are: hospitalization, intensive care, vaccinations, outpatient services, emergency services and ambulance transportation.
Short term health insurance is for modern graduates who are job hunting, or for students that are waiting for their recent employee benefits to open. Short term health insurance can usually be extended if needed.
Supplemental health insurance is inexpensive and pays cash benefits. Other than being inexpensive, supplemental health insurance will pay for pre-existing medical conditions, and these conditions are seldom covered by other types of health insurance plans.
Now that you know a runt more about the types of student health insurance plans, you’ll need to witness what to glimpse for, and what to select into consideration as you’re shopping for student health insurance. The first thing you should witness for in the idea is choice of doctors. Will the notion be favorite by doctors in your spot? Does your doctor salvage insurance from the provider you’re considering? Will you be able to resolve your gain doctor – a doctor you are comfortable with and know a itsy-bitsy bit about? Because of the increase in the cost of gas, you don’t want to have to depart too far honest to eye a doctor, and that’s why it is very vital that you determine a provider that has a list of doctors in your region.
Huge, you have found a provider that will allow you your choice of doctors, and the provider also has a list of doctors in your spot. However, that’s only the first thing to deem when choosing your student health insurance conception. Another thing you need to contemplate… does the opinion veil a specialist? You may not need one now, but you never know what the future holds.
Do you have asthma, heart problems or any other kind of pre-existing medical condition? If so you need to scrutinize the conception to accomplish obvious they offer coverage for pre-existing medical conditions. Also, if the conception does shroud these conditions you need to explore further, because some health insurance plans veil only sure pre-existing medical conditions.
Other than specialists and pre-existing medical conditions, some other things you need to check the idea for are: emergency room visits, hospital stays, physicals, prescription drugs, outpatient services, doctor office visits and vaccinations.
Finally, if you’re majoring in a career that will cause lifting or befriend strain, then you need to also sight to notice if the provider’s concept covers chiropractic care.
Here are a few tips to back you while you’re shopping for student health insurance:
* Search the Internet using the term student health insurance for Web sites where you can quiz quotes and information from several different companies. (Gaze the “more resources” box at the demolish of this article for some Web sites where you can seek information from insurance quotes and information.) * Don’t settle the first idea you arrive across. Recall your time, read all the material sent to you, and decide the student health insurance conception that’s legal for you. * Read every fragment of the pretty print and restrictions closely. * If you’re buying international student health insurance, construct distinct you catch the conception area up before you leave the country. Some providers offer immediate coverage. * Prior to shopping for student health insurance, residence down and figure all your monthly expenses so you can catch a student health insurance idea within your budget.

Coverage for All

A health insurance coverage is meant to financially lend a hand you in case there happens a setback in your health.
The insurer may be an individual group or a central authority agency. In a health policy, coinsurance refers back to the proportion of the scientific bills that the insured particular person should pay after the deductible is met.
There are different types of medical health insurance however mainly the entire health insurance can pay a set share of the expenses for the coverage holders bill.
Group Health Insurance coverage is a receive advantages that a few firms be offering their staff enabling them to obtain non-public clinical remedy quickly and at no cost should they need it. As an worker benefit, group medical insurance has many rewards.
Hard work and trade unions additionally may be offering staff medical insurance for their members. Spouses and children can regularly be delivered to so much employee health plans, despite the fact that the rate can be higher.
Individual insurance policies are particular from team policies in the nature of proof of insurability. You can purchase a policy by means of answering a well being questionnaire and present process a scientific exam to supply evidence of insurability to the insurance company.
Person insurance policies may also be customized to your particular needs.
Health insurance corporations be offering medical health insurance plans as a vital a part of your full planning picture. With out it your protection and the security of your family is jeopardized.
Such a lot certified heath care providers won’t treat you without well being insurance. I feel you’ll sleep significantly better figuring out that if one thing occurs you or your family shall be protected.
Health Insurance coverage is an annual contract. So when it comes to renewal, your insurer is at liberty to study no longer handiest your top class but also change the prerequisites on which your quilt is provided.
Buying an insurance policy should take time and a little analysis as a way to arrive at a smart shopping for decision. Person medical insurance prices are available from various medical insurance companies.
While you retailer around for a medical insurance plan, health insurance costs can lend a hand slim down your options and identify the most efficient plan that fits your scientific requirements and budget. This may increasingly permit you to to make informed decisions in regards to the actual more or less health insurance plans into which you wish to have to enter.
The best way to search out the right insurance quote is with the assistance of a search engine. A few insurance companies and dealers provide different sorts of quote options, akin to the instant quote and the customized quote. The moment quote is the quickest roughly application, that provides basic details about the eligible plans and their benefits.
Searching for free medical health insurance costs online is the perfect and absolute best method to to find low value health insurance coverage. In case you have any permanent well being issues, equivalent to diabetes, or have had most cancers at any time to your family history, your per thirty days cost could simply be greater than your own home and car fee mixed, however there are lots of other just right insurance plans to be had today within the US.
The chilly laborious data are the older you get the extra essential your health insurance policy becomes; this is not to say that you just must no longer be all for your insurance when you’re younger. In case your physician decides that something is an absolute scientific necessity and it isn’t coated below your present coverage, the insurance coverage company may workout its discretion in deciding to buy it, however do not hang your breath. Many record they were eventually covered yet many more folks get grew to become down.
Some of the easiest how one can to find low value insurance coverage is to get free medical health insurance quotes online. You’ll usually get very speedy prices and you want to match a couple of firms, as they will all have other criteria. This would be the fastest way to in finding low cost insurance.
Such a lot importantly, you need a medical health insurance supplier or company that has a just right monitor document for paying with out fighting you on each and every little detail. Your native sellers might handiest be capable to offer what they have got these days to be had and no longer be able to offer you what’s highest for each your pocketbook and your health.
The death charge in any given 12 months for any person without insurance is twenty-5 according to cent higher than for anyone with insurance coverage so you want to you should definitely get the most efficient coverage you’ll be able to get on the lowest price once possible. Heart-attack victims who would not have insurance coverage are much less most probably in an effort to get angioplasty, which is steadily the remedy of choice. Individuals who have pneumonia who do not have insurance coverage are less likely to obtain preliminary or practice-up x-rays or vital consultations.
In general because people who are uninsured are sicker than the rest of us as a result of they may be able to’t afford right kind hospital therapy, they may be able to’t get well jobs, and because they may be able to’t get well jobs they are able to’t afford insurance, and because they may be able to’t manage to pay for insurance they get even sicker.
Even if it does increase your chance, one method to lower your insurance coverage prices is to set a better deductible; if you are in good well being you’ll like pop out beforehand, barring an unforeseen adventure comparable to an accident, etc. Preserving your self in better health will help you with much less medical health insurance claims. The entire insurance coverage companies need to be very aggressive as a result of it is so quick and easy to match them with the other competing companies online.
Children without any insurance coverage are less more likely to obtain correct scientific consideration for serious accidents, for recurrent ear infections, or for asthma as an example and you need to steer clear of having to face a $one hundred,000 open center surgical operation without having any insurance.
So casting off insurance with higher deductibles and spending a little time online evaluating no less than 5 or more firms will make it much more likely that you’ll find the best low price insurance. There are lots of different well being plans so make sure you get an understanding of the entire low price medical health insurance insurance policies which can be to be had from every company. Reasonable or low value insurance coverage does mean a lower cost and in a few cases lower quality, however the price is also more necessary to a few than the quality of the well being plan. You don’t want to pay for more than you need however you need to imagine any imaginable long term well being events you may stumble upon too.
Finding just right, hopefully reasonable, low value insurance without giving up quality does no longer merely mean looking for the lowest premium but it method totally understanding all of the costs so that you can be involved for your policy. And discovering the most efficient medical insurance is straightforward to do on-line, whether you might be searching for long-term or brief time period medical health insurance from California, Texas or Florida.
With the upward push of health insurance costs nowadays, most people look for low value medical health insurance premiums so we can make sure that quality medical consideration on the time of need, however at a worth they may be able to merely afford. Be sure to remember the fact that with low value insurance coverage options, you can need to compromise rather at the variety of services covered. Proceed no doubt however carefully.

The Best Health Insurance Solution If You’re Self-Employed

If you are one of the millions of self employed Americans with no health insurance, take advantage of the new affordable health insurance options now available. With a health savings account and a high deductible individual or family policy you can afford to protect your family’s health. And it has tax benefits too.
A Health Savings Account is a new Affordable health insurance option. Health Savings Accounts will change the way millions can save to meet their health care needs. HSAs will help consumers have more choice in meeting their health care needs The account is set up as a savings account, but it allows you to use the funds to pay for your health care expenses. With an HSA you can pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.
You have to be covered by a High Deductible Health Plan (HDHP) to take advantage of HSAs. An HDHP generally costs less than traditional health care coverage, so the money you save on insurance can be put into the Health Savings Account. The national average premium for an individual policy is only $92 per month and $272 per month for a family policy.
Using an HSA can lower your tax bill too. If you make the maximum tax-deductible annual contribution this year, these new health insurance premiums are tax deductible so your after-tax cost will be even less!
These new plans reward you for staying healthy. Because they are based on your actual use of health care services, your premium is lower. In a traditional health care plan the premium is based on an average, so you get to pay based on the health risks of a big group. You own and control the money in your HSA. You make the decision on how to spend the money – as long as you stick to qualified medical expenses. To view a detailed list of acceptable expenses, view the IRS Publication 502. Also, you make the decision about what types of investments to make for the money in the account to grow.

Affordable Health Insurance

Besides inpatient coverage, a health insurance policy chosen should have pre- and post-hospitalization coverage, maternity coverage, critical illness cover and many other benefits. Another important aspect that is found useful by the Indian population is the facility of Cashless Hospitalization in network hospital. Apollo Munich brings cost-effective products for Indian customers.
There is no doubt that in India; millions of people belong to middle section of society. These people are always trying to curtail their expenditure. In this attempt of cost cutting, they look for affordable health insurance products. There is no harm buying such products, but one should keep in mind that compromising with the quality, just for sake of few rupees is not advisable. An individual should search for a health insurance policy that comes with wide coverage else he/she might end up paying medical expenses from his/her pocket.
Besides inpatient coverage, a health insurance policy chosen should have pre- and post-hospitalization coverage, maternity coverage, critical illness cover and many other benefits. There are products that bring along with them several facilities, such as Healthline etc. This facility is deemed to be much useful in seeking second opinion and doctor’s consultation on a phone call.
Another important aspect that is found useful by the Indian population is the facility of Cashless Hospitalization in network hospital. One should check out that insurer has sufficient number of hospitals in its network. Using this facility, a policy holder is able to avail treatment in network hospital without any financial anxiety, as the insurance company directly settles the medical bills to the hospital. There is no need to raise health insurance claim for the money spend on treatment of covered peril in network hospital.
Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, brings cost-effective products for Indian customers. All its products are well thought and designed; looking into healthcare needs of a person. These products come with wide coverage limits. The recent survey showed that Apollo Munich offers best products. Three of its products got 5 star rating in a survey conducted on Indian health insurance products, which were compared on basis of products’ features and price.

How To Buy Health Insurance

1. What Can You Afford – Determine what you are spending on health coverage now. If you have recently left a group plan with an employer, ask your HR department what the cost of coverage would be through COBRA. Typically, COBRA is the full policy premium plus 1.5% for administration costs. For most individuals, continuing a policy with COBRA would increase the amount of money they spend on health care by as much as 80%. This option would make sense if you have a pre-existing condition or if you are pregnant or may become pregnant within the next year. Once you determine what you are currently spending you have a baseline to compare with other options.
2. See What’s Out There – Insurance companies are “for profit” companies. So their main focus is to increase revenue. Since the profit margin on insurance products is relatively low compared to other industries (as low as 2%), insurance carriers are always trying to add to their membership rolls. They are always adding new products and trying to gain market share. It’s important for consumers to be informed about what products are available and how those different products can work to their advantage. There are thousands of options available so it makes sense to consult with an insurance agent or broker that specializes in health products. Surprisingly, very few insurance agents focus on health policies. Most captive agents focus, instead, on life insurance. This is due to the fact that commissions on life policies are 10 to 20 times higher than they are for health policies.
3. Compare Rates – Just like in any other competitive industry, insurance prices vary widely from company to company. Some carriers have a stronger presence in some states and almost none in others. They also tend to form different “niches” in the marketplace. For instance; some carriers have great rates for an HMO policy but their rates for a PPO are not competitive. Also, some carriers focus on temporary policies lasting only a few months. It is important for a consumer to understand what “niche” they fall into. That way, they can find the carrier that specializes in that “niche” and look closely at the products they offer.
4. Compare Networks – Doctors and hospitals contract with insurance carriers to negotiate fees for service. Each carrier has their own group of doctors and hospitals. These groups are called “networks”. Some carrier networks are larger than others. Some networks are more diverse than others, offering more doctors in more areas of medicine than others. It is important for individual consumers, when they have decided on a policy, to check the carrier networks to make sure that the doctors they see on a regular basis are contracted with that carrier before they apply for a policy.
5. Get Good Advice – The single best thing a consumer can do to choose the right policy is to consult with a licensed agent. Most consumers don’t spend their free time keeping up with industry trends and attending continuing education classes and conferences. Insurance agents do. They are checking rates on a daily basis and have the “pulse” of the industry. A good agent will ask a multitude of questions. Most questions will be personal; including height, weight, family health history and current and past health issues. It’s important to be honest and through. This will help the agent show you the best options and could end up saving you money on your policy. Stay away from large online agencies that handle all 50 states. They tend to treat their customers like a number and not a client.
6. Get a quote – Use an online health insurance broker site to obtain a policy. These sites can be a great resource for purchasing insurance. You can submit some personal information and obtain a free quote in a matter of seconds. You are under no obligation to purchase a policy, however if you are looking to get into a policy quickly without talking to anyone, this is a great way to do it. You can shop your own features and deductibles. You can even sort by monthly premium amount. There are no hidden charges and agents who have this type of website are linked directly to the insurance company websites. That way, you are able to have a licensed agent assigned to you without them contacting you.

Health insurance ? A safeguard of your balance

There is an Indusian proverb that rainbow colors are beautiful if you are healthy! And it is fact that without health everything is seemed faded and nonromantic. This is very true (and honestly speaking) that private clinics are becoming giants industries where major pool of our income goes for our medication, consultation and expensive medical tests. Every magazines are filled with some bad news of new sorts of diseases and very little good news of their remedies.
Mostly states are providing complete health protection to all citizens but this is also facts that even US or the most pretty rights giver countries have the most expensive private hospitals too, where patients are operated on very much high worth. Most of countries or organizations are also protecting their citizens / employees in their health insurances through group insurances but really it can’t fulfill the actual treatment. So the conclusion comes out that health insurance is necessary same like life insurance or else!
Actually it is type of insurance where the insurer pays the medical bills of the insured person if the insured client becomes sick or has an accident and admitted in hospital. Health insurance is covering a large variety of expenses like, hospital expenses, medical tests bills, consultancy fees of the doctors, operation cost, post-operation expenses and even after discharge from hospital house nurse costs too.
In health insurance mostly following cases are included:
? Normal or Hazardous illness: Routine illness, like viral diseases and sicknesses are covered and in major operations like cordial cases, transplantation of organs is also dealt in this section.
? Accident surgeries: When insured person has an accident and he / she rushed in hospital then also all medical expenses are billed by insurance company.
? Dental cases: The most controversial part of health insurance industry because every day the complaints are registered from the insured parties that they (insurance companies) are not protecting in this regard, and they are facing great difficulty. But it is quite suggested to you that before underwriting of your health insurance you must clear this point with your agency.
? Cancer or Tumor Cases: In condition to that if you have no pre-existing condition of cancer or tumor then health insurance is also covering all expenses during your treatment and operation.
I am suggesting to you as a consultant of insurance info that beside your primary plan, if your pocket let you then you must entertain another plan for your health. Because additional plans which were added in your primary plan like life insurance are not covering your whole expenses. I’ve suggested lot of my clients to do so and they have really taken great benefit as per my advice. So do not let all on your additional sickness plan, but buy another health insurance. Hope that you will remember me in your well wishes.