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Denied Health Insurance? How to Get Insured

Posted in Health Care , Health Insurance

August 20th, 2009
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What is Covered by Vision Insurance?

Posted in Health Insurance , Vision Care

August 18th, 2009
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Vision insurance is typically a supplemental level of coverage to your medical insurance plan. Vision insurance usually helps offset the cost of routine check-ups and can pay for a portion ofaccoutrement that may be required to improve your ability to see. Eye-wear such as contacts, reading glasses, daily use glasses and even prescription sun glasses are commonly covered by vision insurance, at least partially if not in full. In general, vision insurance isconsidered an overall “wellness benefit” for preventative eye care and can be of great value to large families where 20/20 vision has not been passed down from generation to generation.

Plastic Pays the Medical Bills

Posted in Health Insurance

August 17th, 2009
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Earlier this month CNNMoney reported that with the cost of medical care rising at lighting speed, more Americans are relying on their credit cards to pay off expenses at an equally quickened pace. Annually, consumers incur an estimated $296 billion in out-of-pocket medical expenses (including co-payments, prescriptions, surgeries,etc.). This total reflects the expenses of both the insured and uninsured.

Understanding Managed Care Insurance Limitations

Posted in Health Insurance , Managed Care Insurance

August 14th, 2009
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The issue of health care is a pressing one in the United States. It costs more here than in most other industrialized nations, and on top of that the country ranks somewhere in the middle when it comes to measurements of overall health and well-being. Basically, we pay a lot for less-than-perfect results. Part of the whole health care issue is managed care. It is a huge participant in American health care, if not the largest. Managed health care insurance comes in such forms as health management organizations (HMOs), preferred provider organizations (PPOs), and point-of-service plans (POS). If you’re a member of one of these types of managed care insurance plans – and there’s a very good chance you are – you should understand their limitations. Managed care will mean very different things to different people.

POS Plans for Flexibility

Posted in Health Insurance , Point of Service Plans

August 13th, 2009
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If you are seeking a type of managed-care health plan that is both flexible and affordable, a “point of service” or POS plan may be your perfect solution. A POS plan is a type of health insurance coverage that provides policy holders with a structured network of doctors, perfect for controlling costs, as well as the flexibility for members to go out of network at will and see whichever doctors they prefer.It is important to realize that the more flexible a health insurance plan, the more costly it will become. POS plans are great for flexibility and are neither the least expensive or most expensive choice for health care.

Health Care: Are Bigger Companies Better?

Posted in Health Care , Health Insurance , Health Insurance Companies

August 11th, 2009
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When it comes to health insurance, bigger health insurance companies aren’t necessarily better. With a big health insurance company, you’re getting health insurance at the most affordable rate (at least, according to American standards- don’t forget that American health insurance is among the most expensive in the world.). You’re getting a big, stream-lined, and highly regulated machine that keeps costs as low as possible due to the sheer bargaining power of having so many participants. There are some downsides to big health insurance companies however.

PPO Quick and Basic Facts

Posted in Health Insurance , PPO

August 7th, 2009
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If you’re thinking about getting health care insurance, you are probably thinking about whether a preferred provider organization, or PPO as they are more commonly referred to, is the right choice for you and your needs.

Preferred provider organizations are networks of doctors and medical facilities that have signed contracts with the PPO. If you are a member of a PPO, you can look forward to some fundamental options.

What Are Health Insurance Claims?

Posted in Health Insurance , Health Insurance Claims

August 6th, 2009
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When you file a health insurance claim, you are seeking payment of services rendered on your behalf by a doctor or medical facility. Let’s say you wake up one morning and notice a lump in your arm. You have health insurance, so rather than hoping it will just go away because you’re afraid of how much it will cost to have it looked at, you can do the smart thing and go visit your doctor to have it examined. Your doctor decides to perform a biopsy and do some blood tests while she’s at it. All told, the bill for your visit comes to $1,000. Normally, your doctor’s office will submit the health insurance claim to your insurance provider, and you don’t have to do a thing. Sometimes, however, you have to pay upfront and then get reimbursed. When you file a health insurance claim with your health insurance provider, you are seeking to be reimbursed for the money you laid out.

Why Do I Need Vision Insurance?

Posted in Health Insurance , Vision Care

August 5th, 2009
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Continued clear visionbegins with access to reliable information that will be provided by doctors who specialize on all the functions of the eye. Not only can annual eye exams provide you with prescriptions for the necessary tools to see clearly, but by getting regular checkups you can also help catchdiabetes and high blood pressure in their earliest stages, making them both easier to treat.

Vision Health Insurance Basics

Posted in Health Insurance , Vision Care

August 4th, 2009
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Vision care insurance is one way to ensure annual check ups are part of your yearly exams, but it is important to note that health care insurance does not automatically provide vision coverage. If you are not sure if you have vision insurance as part of your employee benefits, check with the HR department and they can advise you of your policy terms. Additionally, if you are responsible for your own health insurance coverage make sure to review your policy manual to figure out if you have some level of vision health insurance included in your plan.