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How to Pick a Doctor for Your Fee-for-Service Plan

Posted in Fee-For-Service Plans , Health Insurance

September 21st, 2009
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One of the most important benefits an employer can provide their staff is the gift of medical insurance.

If you are self employed, it is imperative you that you allot a portion of your income to pay for this basic necessity as health insurance will not only protect your body but also diminish the negative affects the costs can have to your financial situation.

How Are Health Insurance Claims Handled?

Posted in Health Insurance , Health Insurance Claims

September 21st, 2009
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Health insurance is indeed a blessing, but sometimes it can be a real headache, too, when your health insurance provider denies a claim you’ve made, or there’s some sort of problem with a health insurance claim that you’ve filed.

The handling of health insurance claims is usually problem-free, but for those times when it’s not, you need to know what to do.

Denied Health Insurance? How to Fight Back

Posted in Health Insurance

September 18th, 2009
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Return to the Denied Health Insurance Learning Center >>>

If you find that you are without coverage because you’ve been denied, don’t give up without a fight.

How to Handle Being Denied Health Insurance

Posted in Health Insurance

September 18th, 2009
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Return to the Denied Health Insurance Learning Center >>>

Most people get their health insurance through their employer. But for the millions of freelancers, small business owners, unemployed or underemployed workers out there, they are responsible for finding their own coverage. However, finding a plan from a private insurer can be nearly impossible, especially if you have a preexisting condition, work in a high risk job or are on medication. Unfortunately, those are all legal reasons why your application for health care coverage may be rejected.

FAQ: Do I Pay a Deductible for a Fee For Service?

Posted in Fee-For-Service Plans , Health Insurance

September 18th, 2009
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There are so many types of medical insurance plans to choose from that consumers need to weigh the pros and cons of all of them before committing to one option. One health insurance plan that may be right for you is a fee for service plan. Fee for service plans are the most flexible of all insurance plans as it provides policyholders the opportunity to choose any doctor. For the luxury of freedom, a fee for service plan tends to cost more to the insured in the form of higher monthly premiums, a greater financial responsibility in co-payments and the responsibility of paying a deductible for a fee for service plan.

FAQ: How am I Billed in a POS Plan?

Posted in Health Insurance , Point of Service Plans

September 18th, 2009
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If you are considering choosing a POS or “point or service” plan as a health care policy from your employer, or are opting into one of your own, you may be wondering just how the payments in such a plan work. But in order to understand how the payments work, we must first familiarize ourselves with POS plans in general.

Recent Study Shows Health Care Costs Doubled Over Past Decade

Posted in Group Health Insurance , Health Insurance

September 18th, 2009
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A recent study shows that U.S. workers who have health insurance for their families through their employers have seen their premiums increase by more than double the price over the past decade. The study, which was released by the Kaiser Family Foundation on Tuesday, Sept. 15, 2009 showed that the average premium for a company-provided health insurance plan increased to $13,375 from $5,791 in 1999. This is a 131 percent jump.

How am I billed in an HMO Plan?

Posted in Health Insurance , HMO

September 18th, 2009
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If you are looking for the most affordable type of health insurance that will also provide excellent levels of medical care, then an HMO (Health Maintenance Organization) may be for you.

What is an HMO

An HMO is a type of managed health care plan that provides their members a service network of doctors and hospitals to choose from. The medical facilitators who participate in an HMO are under a contractual agreement to provide medical attention to the HMO members.

How am I billed in a PPO plan?

Posted in Health Insurance , PPO

September 17th, 2009
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There are few things worse than getting really sick, or badly injured in an accident. When something goes wrong with our bodies the very way we experience and interact with the world is changed, for the worse.

Life stops, in a sense, and you feel like everything you’ve ever wished for or been working for goes into limbo until you get better. There is one thing that might be worse than getting very sick or badly injured, however, and that is getting very sick or badly injured without having health insurance. Not only are you feeling terribly, but you’ve also got an infinite amount of stress on top of it as you struggle to pay mind-blowing medical bills. So it’s critical that you get health insurance in order to protect yourself from a financial nightmare. One popular form of health insurance is participation in a preferred provider organization, or PPO. PPOs offer people reasonably priced health insurance, with some important caveats.

Why Do I Need Dental Insurance?

Posted in Dental Insurance , Health Insurance

September 17th, 2009
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Do you like to smile? Do you enjoy eating? Do you like to kiss? Do you like to talk effectively so that other people recognize you as an effective speaker? If you answered yes to any or all of these questions, then you need dental insurance. Dental insurance will go a long way in helping you keep your teeth in the best possible shape. You could let them all decay and do nothing about it, of course, and simply resort to removable dentures, but most people try to avoid that fate and instead keep their teeth clean, maintained and treated whenever anything major arises. You can take care of your teeth without dental insurance, of course, but many people without it end up avoiding the dentist for fear of the cost or problems that will be found.