Monday, July 11, 2011

Cheap Health Insurance


The cost of health insurance and medical treatment is increasing day by day. As the cost of medical care and health insurance continues to rise, the demand for cheap health insurance is also on the rise.

Though cheap health insurance offers only limited service, it is an excellent alternative for those who want to get health insurance at a low cost. As an ideal option for budget minded consumers, cheap health insurance offers adequate health coverage at reasonable rates.

Cheap health insurance contributes to the cost of medicine, doctor visits, prescription, and hospital stays; it also provides benefits for eye care, dental work, and other medical expenses. Certain types of cheap health insurance do not cover preventative care, such as doctors' visits. So while looking for cheap health insurance, make sure that you get what you pay for.

Low-risk indemnity plan is an ideal option for those who want a cheap health insurance. Indemnity plan requires you to pay coinsurance amounts and certain deductibles. With indemnity plan, it is possible to modify coinsurance amounts and deductible levels to fit your particular budget. Even though the coverage provided by the plan is of low quality, low-risk indemnity plan is found to be beneficial to budget minded customers.

With the help of an insurance agency or an insurance broker, you can find an affordable cheap health insurance. Another option to find cheap health insurance is to browse the internet. There are countless insurance companies that offer all types of health insurance.

There are several points to consider prior to purchasing cheap health insurance. The premium cost and coverage of health insurance varies from insurance company to insurance company. So it is necessary to compare cost as well as coverage before choosing a health insurance plan. Also, make sure that you are buying health insurance from reputed companies.




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Individual Health Insurance


Health insurance is a type of insurance where the insurer pays for the medical expenses of the insured when the insured becomes sick due to illness or injury. Today, there are several types of health insurance to choose from. Individual health insurance, group health, worker?s compensation, and government health plans such as Medicare and Medicaid are some of the different types of health insurance plans.

Individual health insurance plays a significant role in the health care system of the United States. It is an ideal option for people who do not have access to job-based coverage. Of the different types of health insurance, individual health insurance provides coverage for an individual or to an individual and their family.

Fee-for-service insurance, managed care plans, open enrollment in managed care plans, association-based health insurance, and high-risk pools are some of the different individual health insurance options available in the market. Compared to group health insurance, individual health insurance is highly expensive. Benefits of individual health insurance are fewer than group insurance.

Individual health insurance plans can be obtained directly from insurance companies. The insurance company to whom you apply will ask you to provide personal information, including your medical history. Based on your health status, the company determines whether you qualify for an individual health insurance plan or not. Once you are qualified, a premium is charged based on your age, income, and medical history.

Choosing an individual health insurance plan is an important decision. You must choose a plan that meets your needs as well as budget. Prior to buying individual health insurance coverage it is necessary to consider several options. It is very essential to compare the coverage and cost of insurance plan as it may vary from company to company. Also, make sure that the selected insurance plan provides the kind of coverage that's right for you.

Finding an affordable individual health insurance is a bit confusing and time consuming. So it is advisable to consult an insurance agent or a broker who will help you to find the individual health insurance that suits you.




Health Insurance provides detailed information on Health Insurance, Health Insurance Quotes, Affordable Health Insurance, Health Insurance Plans and more. Health Insurance is affiliated with Health Insurance Company Ratings.



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Short Term Health Insurance


Health insurance is designed to protect policyholders from paying too much money to cover the cost of their medical expenses. Before choosing any health insurance plan, customers must decide upon the type of policy that will best suit their needs. Short-term health insurance is exclusively designed to provide health care coverage for people who fill a brief gap in their standard health coverage. These policies are usually available for terms of one to twelve months, though six-month term is the most popular choice. Short-term health insurance policies offer the same benefits to the policyholders as the standard ones. However, there might be some key differences among short-term and standard policies.

Short-term health insurance policies are usually non-renewable, which is why, in order to extend the coverage, policyholders have to re-apply for a policy. It is not recommended to use short-term policies as a substitute for standard policies, as they are appropriate only for people who are in transition between two policies. These policies are ideal for people who are in middle of switching jobs, on strike, recently graduated, or simply waiting on a new health plan to take effect. In all of these scenarios, short-term health insurance policies can provide individuals and their families with essential financial security from unexpected expenses.

Short-term health insurance policies are indemnity plans, which means preventative and routine health check-ups are not covered under the policy. Additionally, many short-term health insurance policies do not cover dental or optical care as well. Health insurance companies providing these short-term policies stringently deny coverage for pre-existing conditions. Typically, short-term policies can be designed to cover emergency care, prescription drugs, intensive care, lab and x-ray, ambulance, and some home and hospital care, which will vary from policy to policy.

Most of the short-term policies have the option of adapting them to extend coverage to the spouse and dependents of the policyholder. A short-term health insurance is considered good when it carries a reasonable pay out along with providing an appropriate upper limit to out-of-pockets expenses.




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Self Employed Health Insurance


Health insurance has become a necessity owing to the increase in people living up to ripe old age, which has significantly contributed to number of people facing age related health problems. The customers are required to purchase health insurance plan with the help of regular periodic payments submitted to the insurance company. These payments are known as the insurance premium and are determined based on several factors. The insurance company in turn promises to compensate the policy owners their medical expenses in case of hospitalization. Health insurance can be purchased by individuals and by organizations for their employees. For self-employed people, there are specially designed policies available with all major health insurance providers.

Health insurance for self-employed individuals is comparatively more expensive than other health insurance plans. The reason due to which a higher price tag is attached to self-employed health insurance is that health insurance rates are inexpensive when the risk is pooled and distributed among a large group of people. Even distribution of the risk is the chief contributing factor for the affordability of group health insurance plans, which is not possible with self-employed health insurance plans. However, since 2002, self-employed health insurance costs have become tax deductible at a rate of up to seventy percent. This decision of providing tax benefits is bound to provide much-awaited relief to self-employed people.

Self employed health insurance plans offer policies that bring together the benefits of indemnity and managed care health insurance. This allows the self-employed people to obtain a health insurance policy without compromising good cost and good care.

It is possible to get competitive rates for self-employed health insurance policies online, as the process of application is both fast and easy. To have an accurate estimate, applicants must make sure that they complete the application process entirely. However, applicants are under no obligation to buy the policy after receiving the health insurance quotes.




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California Health Insurance Brokers


The world is moving at a very fast pace. People undergo a large amount of stress and pressure in order to sustain a high quality of life. As a result, some people face health problems at an early age. In such times, a good health insurance policy is very important to take care of the sudden expenses arising due to health problems. There are a lot of health insurance companies that offer health insurance plans for people of all ages. It can be a daunting experience to select an appropriate health plan from the myriad of insurance plans available in the market. Health insurance brokers are insurance agents who operate independently with several insurance companies to find the best types of health insurance policies for their clients. There are plenty of health insurance brokers in California who guide their clients to select a health insurance plan that is best suited to their requirements. Health insurance brokers generally work on a commission basis.

Typically, most people choose their health plan after verifying the price of the insurance plan, the flexibility of the plan, and the basic coverage offered. The company that offers the insurance plan is often also the deciding factor while selecting the plan. It is advisable to have a quality insurance obtained from a reputed health insurance company.

Generally, experienced and reputed health insurance brokers discuss various health insurance plans with their clients and recommend a plan according to their medical history, age, and lifestyle. They help their clients to get their claims settled in time and also inform the clients regularly about any updates regarding their policy.

Established insurance brokers have their own websites that offer free health insurance quotes of various insurance providers in California. Customers can obtain these quotes after filling up an online application form. Unlike a typical health insurance agent, the broker deals with several insurance providers and is in the best position to inform the clients about the pros and cons of obtaining insurance from a particular company.




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Low Cost Family Health Insurance Quotes


Health insurance has now become very important, as calamities such as earthquakes or even accidents can occur anytime. A health insurance insures or secures a person against such incidents. The cost of medical treatments has touched an all time high. Hence it is advisable to take a health insurance, for the entire family. In spite of knowing the importance of health insurance, there are many individuals who do not have insurance. Other people who already have health insurance cannot afford to pay the high rates of premium.

In order to ease this problem, the government has made arrangements to provide numerous low cost health insurance programs, for the poor who belong to the low-income groups. In many states there are various low cost health insurance plans that help people, to secure families by paying a low monthly premium. Most of these plans differ from each other, from state to state.

The government insurance plan is one of the most preferred family health insurance programs, for the poor and needy people. Apart from the government, there are a lot of other companies that offer health insurance at extremely low rates. It is always better to ask for quotes from different sources before going in for any low cost health insurance plan.

Most of the insurance companies offer free low cost family health insurance quotes, in order to draw people towards their plans. Such quotes help individuals to compare the current rates, with those of different companies and choose the plan that offers all the benefits, of low cost health insurance plans. This information helps people to take the appropriate decision, to choose the health insurance plan that suits all their needs.

The fastest way to get quotes from different health insurance companies is through the Internet. There is a list where people can choose and compare the prices and select the plan that they need. Since most of the companies offer quotes that are free of cost and require no registration fee, people can log on and search the various quotes offered by the companies.




Family Health Insurance provides detailed information on Family Health Insurance, Family Health Insurance Quotes, Affordable Family Health Insurance, Family Health Insurance Plans and more. Family Health Insurance is affiliated with Group Health Insurance Leads [http://www.e-GroupHealthInsurance.com].



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Sunday, July 10, 2011

Low Cost Group Health Insurance


Low cost group health insurance is an affordable coverage plan offered to employees or members of profit and non-profit organizations. The group health insurance plans have many contributors and there are various policies that provide more services to each participant, at a lower cost. The insured get health insurance premiums at affordable rates and all the necessary medical facilities. This plan is also referred to as low cost group health insurance. Most companies provide their employees with low cost group health insurances. The facility is also made available to the staff of churches and labor unions.

Some of the policies of low cost group health insurance involve the participation of an HMO or health maintenance organization or other major medical associations, such as the Blue Cross and Blue Shield. Most of these policies do not restrict the insurers to go to particular physicians or specialists, except for the HMO policies, which often restrict the patients to consult doctors on their panel. Low cost group health insurance policies cover emergency as well as routine medical procedures. The medical treatments also include eye and dental care, though the coverage for these may be limited to specific procedures. Some of the companies provide their employees with an annual health check-up, at private hospitals. This includes blood tests, blood pressure and height and weight check-up. Group health insurance may not necessarily cover the health care of the employee?s spouse or dependents.

Low cost group health insurance is a lot more affordable than individual health insurance, but it has its share of disadvantages and drawbacks. Apart from the limited choices of doctors offered by the HMO policies, some of the companies suddenly impose strict health care policies, such as a ?no smoking for the insurers. These policies in regard to personal health are often interfering.




Low Cost Health Insurance provides detailed information on Low Cost Health Insurance, Low Cost Health Insurance Plans, Low Cost Family Health Insurance, Low Cost Individual Health Insurance and more. Low Cost Health Insurance is affiliated with Low Cost Whole Life Insurance.



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Perspectives on Sexual and Reproductive Health


Health is the foremost priority of each and every human being. But when it comes to sexual health people get careless and do not give it much importance especially in developing countries. According to World Health Organization sexual health is influenced by a complex web of factors ranging from sexual behavior and attitudes and societal factors, to biological risk and genetic predisposition. It encompasses the problems of HIV and STIs/RTIs, unintended pregnancy and abortion, infertility and cancer resulting from STIs, and sexual dysfunction.

Sexual health is a state of physical, emotional, mental and social well-being and is not merely the absence of disease, dysfunction or infirmity. Sexual health needs great concern as it in not a matter of physical health but also has a psychological aspect. Sexual activity requires a positive and respectful approach as it involves relations as well as pleasure. Sexual violence is a terrible experience that causes both physical and psychological problems. When women face sexual assault it is causes great pain and anguish. Sexual assault as rape causes them to get pregnant and as they are not prepared for it face health problems mostly due to mental strain.

A person's individual health also affects the sexual health of that person. If a person is suffering from some chronic illness or mental health it affects the sexual life and further reproductive health. It is always better to take consultation from health providers about a person's sexual health, as it is not only the individual's health but an individual's family health that affects his or her sexual life.

It is necessary to be aware of ones sexual health as it can lead to serious problems especially when there is a risk factor of sexual infection. In developed countries although the sexually transmitted diseases are less among adults the number is increasing with the teenagers. So it becomes necessary to come up with sexual health programs to create awareness among the adolescence. The number unplanned pregnancies are more in teenager as they are not completely educated about the use of contraceptives.

Sexual health has been considered as a part of the reproductive health, the emergence of HIV/AIDS, of sexual and gender-based violence as such proper care should be given to one's sex life. People should opt for safe sex. They should be aware of risks involved with sexual activity. In most countries adolescents face problems when it comes to using contraceptives due to various reasons as inadequate knowledge, difficulty in getting the proper service, money problem and social factors. Social factors are major issues for teens as well as women in backward countries. They neglect sexual health due to conservative attitude and thus face sexual health related problems. "According to the World Bank, a full one-third of the illness among women aged between 15 and 44 in developing countries is related to pregnancy, childbirth, abortion, reproductive tract infections, and human immunodeficiency virus and acquired immune deficiency syndrome (HIV/AIDS)." Gender inequality and indiscrimination among women in developing countries has lead to innumerable sexual health related cases. The number of HIV/AIDS patients is more in such countries. It has become necessary to increase sexual and reproductive health programs in such countries to create awareness among women about the risk factors associated with sexual activity.

Find more information visit: Perspectives on Sexual and Reproductive Health [http://www.keepcondom.com/articles/reproductive-health/sexual-reprodutive-health.htm]




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Georgia Health Insurance


Georgia health insurance offers medical benefits that cover the cost of treatment incurred in a hospital. The coverage provided is comprehensive which includes doctor visits, hospital stays, emergency, prescription, dental care, and mental health care. It serves families, students, kids, employees, workers, self employed, small and large businesses, and retirees.

For the citizens of Georgia, a wide variety of health insurance plans are available to choose from. Each one varies significantly based on the size of deductible and the benefits covered. Individual health insurance, family health insurance, group health insurance, student health insurance, affordable health insurance, health insurance for children only, and temporary health insurance are some of the insurance plans available in Georgia.

In Georgia, health insurance laws and regulations regarding individual health insurance is different from other US states. The law allows insurers to deny the request for individual health insurance based on pre-existing medical condition and current health conditions.

The state of Georgia has moderate insurance regulation which protects both insurance consumers as well as the insurance company. According to "guaranteed renewability provision", a health insurance policy regulation, an insurance owner is allowed to renew a policy without considering his/her health status.

In Georgia there is no limit on the premiums that the companies can charge for a health plan. Also, the law restricts that an insurer cannot cancel one?s insurance policy based on their health condition or age. In certain states, children of unemployed parents are denied from getting health insurance policy. Through a plan called Peach Care, Georgia State provides opportunity for such children to be insured.

Before purchasing health insurance, it is necessary to compare the different health insurance quotes. An insurance agent or an insurance broker is the right person to help you in finding a health insurance policy that best suits your requirement. Blue Cross Blue Shield of Georgia, Kaiser Permanente, Assurant Health, Celtic Insurance Company, Time Insurance Company, and United Healthcare of Georgia are some of the leading companies that provide excellent health insurance coverage for the citizens of Georgia.




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Health Savings Accounts and Chiropractic Care


The healthcare industry in the United States is dominated by the culture of conventional Western medicine. And health insurance caters to those who control the industry: medical doctors and hospitals. There is a long history of prejudice against chiropractic by medical doctors, which is one reason that chiropractic care is not often covered by health insurance.

Many research studies have shown that chiropractic care is beneficial and that it is more cost effective in the treatment of low back pain and other common musculoskeletal conditions than traditional Western medicine is. Chiropractic also lowers health care costs by focusing on prevention, was well as on treatment.

It is surprising that health insurers choose not to cover treatment that is as beneficial and cost effective as chiropractic care is. Studies have continually shown that individuals who seek the care of a chiropractor on a regular basis are healthier and, generally, spend less on health care than those who do not.

Chiropractic Care and Consumers

What is not surprising is that consumers are wise enough to see the advantages of chiropractic care. Many people prefer to see a chiropractor simply because they see tangible benefits from the care they receive. Many others are disillusioned with traditional Western medicine and the healthcare system, and they look for alternatives such as chiropractic care.

It is clear, both from patient testimonies and from clinical research that consumers benefit from chiropractic care. Unfortunately, they may have difficulty affording chiropractic care because it's often excluded from healthcare insurance policies.

Health Savings Accounts can help consumers afford chiropractic care, even when it is excluded from their health insurance policy. They can pay for chiropractic care and other alternative medicine with pre-tax dollars by using a Health Savings Account.

Many chiropractors keep their costs as low as possible in order to make chiropractic care more available to consumers. They can, however, only absorb so much of the cost of providing that care. Another way chiropractors can help clients gain access to chiropractic care is to encourage the use of Health Savings Accounts.

Health Savings Accounts and Consumer Choice

The combination of a Health Savings Account and a High Deductible Health Insurance plan is supposed to encourage individuals to become thoughtful, wise consumers of health care. The individual is spending more of his or her own dollars on healthcare, so she will be more concerned about how those dollars are spent.

Health Savings Accounts give consumers more choice in how their healthcare dollars are spent. Money in the HSA must be spent on approved medical expenses, but there are really very few restrictions on what kind of healthcare you choose. More and more chiropractic patients are discovering that having an HSA is saving them money on their medical expenses.

Traditional health insurance has gatekeepers and controls. Even when chiropractic care is covered (not typical on individual plans), the individual requesting chiropractic care may be required to go see their family physician (or gatekeeper) and get a referral. Not all medical doctors will refer to chiropractors. If chiropractic care is covered on the health insurance plan, and if you can get a referral (which amounts to permission to see the chiropractor), there may be limits to the number and types of treatments you can receive.

Using a Health Savings Account to pay for chiropractic care gives you, the consumer, more choice. You can choose what type of medical treatment to get, where you will get that treatment, and how many treatments you will get. You can spend HSA dollars on preventive care as well, and actually have the government give you a tax deduction for keeping your family well.




By Wiley Long - President, HSA for America (http://www.health--savings--accounts.com) - The nation's leading independent health insurance firm specializing in Health Savings Plans that work with a Health Savings Account. Please link to this site when using this article.



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Could I Benefit From A Short Term Health Insurance Plan?


Who Needs Short-term Health Insurance?

Because people never know when some form of health insurance might be necessary, it is always a good idea to take the steps necessary to make sure that some form of it is readily available. Everyone knows that accidents happen all the time. The smartest thing to do is to be fully prepared for them when they do occur. In addition, many people go through the majority of their life in relatively good health, thus allowing them to assume that their good health will last forever. Regardless of one's health history, though, a major illness or debilitating injury is always possible.

In the case that a person is stricken with something unexpected, it is always much better to use the time after a major illness or accident to focus on getting better. People often use much of their strength and emotional energy worrying about impromptu medical costs when they should be focused on doing what they need to do to get themselves healthy again. A major cause of stress after an illness or accident is a lack of a clear answer as to how an untimely medical bill is going to be paid. This uncertainty as to when a medical crisis might arrive and what will happen immediately following is reason enough to make sure that one is protected at all times. Short-term health insurance is becoming an increasingly popular option for people who happen to find themselves without insurance for a brief amount of time. So, the question becomes: "Who exactly might need this type of health insurance, and what might they be entitled to?"

The hundreds of thousands of people in the United States and Canada who suddenly find themselves having to deal with a change in status in regard to their job or their schooling are the ones who are encouraged to apply for short-term health insurance. Within the workforce, part-time and temporary employees are the most likely consumers of short-term health insurance. This is due mainly to the fact that many businesses do not make it a policy of theirs to cover part-time employees or those who were recently unemployed.

People who happen to be between jobs make up a large percentage of those who purchase short-term health insurance. Short-term insurance companies have made it very clear that they will gladly accept individuals who are temporarily out of work. This is good news for these workers, because most of the other insurance markets do not welcome those who find themselves unemployed with such open arms.

Since the establishment of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), people who have recently been fired or who have lost their job for one reason or another are allowed to hold on to their previous employer's insurance for up to 36 months. Of course, this depends upon the circumstances. Most of the time, though, those people who are unemployed will be able to use COBRA to protect themselves until a new employer's plan kicks in. While COBRA sounds like an appealing option, it is usually the least favorite for those who do not currently have health insurance. This is due to the extremely high cost of the premium. Companies must be compensated for their willingness to continue an ex-employee's health insurance, and charging a high price for a premium is one way to make sure that happens. If COBRA premiums are too high for someone's budget, a short-term health insurance policy with considerably lower premiums might be the solution. In fact, due to the increasingly competitive nature of the health insurance industry, one is likely to find a monthly premium that actually costs less than a car payment.

Another group of consumers who are beginning to make very good use of short-term health insurance plans are those who have recently graduated from college. Many graduates hunt for jobs that will offer health insurance benefits. Most of them are usually successful, but there is still a brief amount of time in between graduation and when the health insurance kicks in. Theirs is the perfect example of a situation which requires temporary coverage.

Young people who are about to lose their dependent status under their parents' health coverage are now beginning to find comfort in short-term health insurance plans. Many young people who reach the age of 18 are not planning on going to post-secondary school. If they turn 18, and have not yet enrolled themselves as a full-time student, they will be excluded from their parents' health insurance policy. If this situation occurs, the young person will be eligible for COBRA. However, the premiums may be way too high for someone who is just coming out of high school and who has yet to line up a steady job. A short-term health insurance policy is much more feasible in this situation. The young person can be insured for a while, or at least until he or she finds a job that offers health insurance, or until they enroll in an individual health plan.

The final group of people who are making the move to short-term health insurance are those who are temporarily without coverage for some other reason than the ones already mentioned. For example, if a worker is on strike from his company, he or she may try to get coverage. Or, if someone has recently been discharged from the military, they most likely will be able to obtain short-term insurance.

Because of its tendency to offer both low monthly costs and high coverage limits, sales of short-term health insurance plans have skyrocketed in recent years. Those who run the business of short-term insurance can now boast of the shortest application in the health insurance industry. In addition, many insurers now offer credit card payment plans which make the whole process that much easier and stress-free.

Due to the fact that it offers low costs, high coverage amounts, and a fast purchase process, short-term health insurance serves an important function for people who are in dire need of medical coverage. Those who find themselves suddenly without a job or who have recently graduated from college are now able to take comfort in the fact that they too will be able to receive a limited form of medical coverage in the event that a medical situation arises. Thanks to the many benefits of short-term health insurance, these people, as well as others, now find themselves adequately protected in times of emergency.




Short term health insurance information at http://www.popular-insurance-plans.com Not hyping a product, just presenting information



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Saturday, July 9, 2011

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!



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Health Insurance for Low Income Families


People have misconceptions that since they are healthy, they do not require health insurance. But accidents can occur any time and a person may face heavy losses, hence it is advisable to get coverage with health insurance. Though the concept of getting a health insurance depends on the person, it is always better to take precautions.

A health insurance is not only taken to protect individuals against accidents, but also to secure their health in case of diseases, or infections, and so on. Parents of children who inherit genetic disorders are likely to need health insurance, as the cost of operation can be covered under such an insurance policy. It is always better for families to prepare well in advance in case of any emergency.

Medication costs have risen to a great extent, and it becomes very difficult for all families to insure themselves and their children. For people who fall in the low-income bracket, it is not always possible to acquire a health insurance policy. There are several companies that extend a helping hand toward such families. Many states also offer to help such families, by hosting Medicaid programs to make such low-income families, aware of the importance of health insurance. The eligibility of getting a health insurance for these families varies, from state to state.

An application form has to be filled out, so that the state is aware of the financial status of the low-income families. The number of applications that qualify for, such health insurance is very surprising. These health insurance plans provide cover for all the basic insurance needs such as dental, eye care, emergency care, and prescriptions. For low-income earners, these health insurance plans make life much easier.

Many Internet sites also offer cheap and affordable health insurance policies. There are various plans that are made available on the websites, and it becomes very convenient for families to take up such insurance plans, to suit their needs and also cover all the other major insurance policies. While choosing a health insurance scheme, families are advised to take up those that are government recognized, and are licensed and hence are safe.




Family Health Insurance provides detailed information on Family Health Insurance, Family Health Insurance Quotes, Affordable Family Health Insurance, Family Health Insurance Plans and more. Family Health Insurance is affiliated with Group Health Insurance Leads [http://www.e-GroupHealthInsurance.com].



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What Are The Benefits Of Health Savings Plans?


Medical savings plans protect you against terrible medical expenses and help you stay ahead of any future medical event. It also helps to reduce health care costs. Today there are different medical savings plans that have been introduced to the benefit of the people and that includes the health saving account (HSA). The health saving account HSA is designed to reduce to reduce the health care cost for both employers and employee and also the health saving plan at is design to cover current and future medical expenses, the health saving account HSA offers tax free saving account for medical expenses ails help to reduce the current health care cost.

For medical plan type health savings account cover the cost of high deduction plans and also the health savings account is not a use is it or loss it policy instead if you don't spend the fund it will be carried over to next year since insurance is used to cover risks, the health insurance plan provide safety values in place to cover the extraordinary medical expense or costs. Individuals under the age of 65 years who buys a qualified high- deductible policy can open an HSA and also you can make contribution to the health insurance saving plan but if you are above 65 you are qualified for medical care, this means you cannot take part in the health saving account.

However if you are in the age bracket of 54 and 64 then you can contribute an additional tax deferred amount which can be converted to an IRA which means the individual retirement account, also if you withdraw funds for medical expenses it will not be taxed. Bear in mind that the health saving account contribution will not affect your IRA limits instead it helps because its another way to save for taxed -deferred retirement. For Medical savings plan the health saving account comes with a complete debit card and checks like saving account and also if the fund saved and spent on medical expenses or purposes all the capital gains , withdrawals and contribution will remain on taxed.

What are the nature and details of such a plan?

The health saving accounts is lumped with HDHP with expenses. When you meet the HDHP requirements, the HDHP plans covers 100% of medical expenses and this medical expenses include hospitalization, prescription, lab test and emergency room visit and also withdrawal from the health saving account cannot be used to pay high deductible health plan premium unless you are unemployed and also withdrawals from the health saving accounts are not taxable if they are used for medical expenses, but if they are used for non medical purposes or expenses then they are not only taxed, you will have to pay a10% penalty on the funds. Small business or organization who wants the best saving plans for his employees can use the health saving account because it provide basic medical coverage.

What are the Benefits of such a plan?

Employee does still have to get the high deductible health plan to participate but it is the employer and the employees that can both contribute to the account on a tax deferred basis. Even if the employee leave the company if or she is entitled to take the account with him. If the employee decided to use the fund for non medical expenses like going on vacation, buying a house or a car, they will have to pay the penalty and taxes on the withdrawal but the company has limited legal rights and resources to stop them. This means that the company cannot control how the employee use the money some of the benefit of having a medical saving plan through the health saving account, this means that the HSA plan provide tax free medical expense and the health savings account can be moved from one employer to another, the health saving account is also free of tax for employee contribution, it also facilitates employees health care customers better the health saving account also match with a high- deductible health savings plans.

Also available are Discount medical savings plans which also provide a means of building up reserves against extraordinary medical expenses in the future, so even if you are healthy there is a provision that helps reserve funds for later use. Another wonderful benefit that the discount health saving account offer is that it is tax deferred, so one use scarce resources for problems needing immediate attention.

Health insurance serving plan provide the best possible medical coverage for medical expenses. Medical savings plans also provide you with the best and affordable medical insurance that have a high deductible facility, so it is a advisable for you and also beneficial for you to get a Medical savings plan for you and your family today.




Kingsley Duru has an BSc (Banking & finance). Insuranceavenue.info offers our visitors the best of Insurance articles, review and endeavors to find the best possible deals for our customers. To find travel insurance [http://www.insuranceavenue.info], long term care insurance, business insurance visit www.insuranceavenue.info [http://www.insuranceavenue.info].



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International Health Insurance Coverage for Travelers


International health insurance coverage is a project design to protect your health, your belongings and your financial investments when making a trip. It also provides peace of mind to you and your family while on vacation. Taking out international health insurance, be it for business or pleasure, while traveling abroad is a good idea, though not compulsory, most travel operators do insist on some kind of insurance as part of their holiday product. This Insurance product is specially designed to protect you when traveling abroad. Many people only think of small things that don't really matters a lot like, loss of money or having their luggage stolen, forgetting the fact that other factors such as illness and accident are the factor which can also be covered by travel insurance. Travel insurance is specially designed to protect and cover you from any possible risk you may encounter when traveling abroad. it is for great importance for any one traveling abroad, especially if the need arises for you to pay for any medical expenses that may arise.

How is travel insurance related to international health insurance?

International health insurance coverage offer travelers the opportunity to get cover against any emergency and difficulties they make encounter while traveling outside the country and also having an international health insurance coverage give you a peace of mind because you know that you are cover incase of emergency that may occur while traveling and also there are thing that may go wrong for instance a travel insurance policy can be helpful your flight has been cancelled or you luggage got lost and you need it back very sooner you passport and wallet are stolen on your first trip outside the country these are some of the terrible difficulties that you make encounter and also the health insurance cover all these situation. When choosing a travel insurance coverage you need to carefully consider the level of coverage that you want and the cost of the policy, you need to make sure that the travel insurance coverage covers personal belongings and money, medical expenses, legal expenses, personal liability and also personal accident and also you need to different form of travel insurance policy around and also check out their options so as to save a great deal of money for your self.

What is cover that is offered for international health insurance?

International health insurance provide medical insurance for sudden and unexpected injury or illness while traveling international health insurance coverage for travelers care for the unavoidable expenses that could incurred on account of an injury or sickness while traveling. International health insurance plan covers medical expenses, trip cost trip international, travel delay, protection for missed connection trip cost cancellation, Air ticket cover for ticked change costs that are charged by the airlines, it also cover for transportation. International health insurance coverage offers major international health insurance policy that is both renewable annually and for the long-term and also this kind of coverage is available for families, groups and individuals. What father show that travel insurance relates to international health insurance is that both policies provide basic health insurance or medical insurance for individual families against medical emergency at any where you might be either inside or outside the country. Some of the reasons why people are now opting for international travel health insurance is that it provide or covers trip for cancellations that most health insurance like the preferred provider organization and the health maintenance organization do not provide and also most tour operators and cruise firms do not provide refund and they also charge a big penalty for changing tickets.

The international health insurance plan makes provision for all of these situations. There is also the international student health insurance that crucial for obtaining medical services and assistance when they travel abroad while traveling the international student health insurance policy provide smart solution to confront a possible medical emergency and expenses for you to have a proper and comprehensive international student health medical insurance cover, you need to make sure that you have a coverage that provide 24 hour medical emergency assistance, Emergency medical Evacuation, the acts of terrorism, a Repatriation of remains and also the benefits for pre-existing conditions before buying a international student health insurance policy you need to carefully consider if the insurance farm is reliable, and is you are in another country or state will the plan provide for insurance cover and also will the plan along you to choose you own doctor. Taking the international health insurance plan, while you travel around your country or travel abroad, the International health insurance coverage is provide to face unforeseen circumstances. So before traveling it will be sensible to buy an affordable and comprehensive travel insurance policy to overcome any financial constraints arising from a medical emergency.




Kingsley Duru has an BSc (Banking & finance). Insuranceavenue.info offers our visitors the best of Insurance articles, review and endeavors to find the best possible deals for our customers. To find travel insurance [http://www.insuranceavenue.info], long term care insurance, business insurance visit Insurance Avenue [http://www.insuranceavenue.info].



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Health Insurance Coverage - Protect Your Family From Financial Ruin


Health insurance is a special sort of insurance that can protect a family from

financial ruin in case of serious illness to you or any of your family members.

That is because the insurer pays the medical costs of the insured. Most of us do

not have health insurance on our minds while we are busy living our lives from

day to day, but it the very first thing we think about when someone in our

family becomes ill or has an accident. There are a wide variety of factors

relating to health insurance coverage in the United States, and they vary from

state to state.

According to statistics from the US Census Bureau, approximately 85% of

Americans carry some kind of health insurance. Many people, about 60%, are

covered through their place of employment or through individually acquired

health insurance. Roughly 25% of the American population is insured by federal

or state government agencies, which may include various state funded health

insurance plans in addition to Medicare and Medicaid.

Of concern to many people throughout America today is the rising costs of health

insurance, which are largely due to the ongoing advances in the technology

involved in medical care - advances that help people live longer and healthier

lives. Another reason for rising medical costs is the fact that we now have more

senior citizens than ever before in our country. The more frail, elderly

population is more prone to illness than the younger, healthier segment of the

population, thus requiring more medical care.

Yet another reason for the ever-increasing costs of health insurance is the fact

that many individuals make poor choices that affect their health. These include

factors such as exercise, nutrition, obesity, smoking and other negative

behaviors. Add to this the fact that there are many rural areas that are sorely

lacking in doctors and other health professionals.

Health insurance companies now offer people discounts and incentives to make

wise choices and become healthier. Many health insurers will refuse to insure

those people with pre-existing medical conditions, requiring applicants to

provide a personal medical history and other health information. This

information may address areas such as previous and current diseases, smoking,

drug use and weight, by which providers determine one's financial risk to their

company. Those considered at high risk are screened out. On a positive note,

these considerations may encourage individuals to make positive changes in their

lifestyles, such as quitting smoking.

Recently, due to the concern over pre-existing medical conditions, state and

federal laws have gone into effect that protect such individuals so that they

can acquire or maintain health insurance even if they change plans or providers.

HIPAA (The Health Insurance Portability and Accountability Act) is a federal

law, put into effect so that all health insurance plans, nationally, adhere to a

common set of standards. Furthermore, health plans can be regulated

state-by-state, having laws regulating group and individual health insurance

coverage. This means that the laws regulating your health insurance protections

may vary, depending on which state you live in. Bear in mind that despite these

laws, you still may not have access to health insurance in every situation.

Should you leave or change your job, you may be able to remain in your previous

group health plan for a certain period of time, under COBRA continuation

coverage. While there are limits as to how much you will need to pay to continue

such coverage, this can be of great help during times when you are between jobs

or waiting for your pre-existing condition to be covered by a new health

insurance plan.




Michael Benifez writes for http://www.LifeinPalmCoast.com, covering world of finance, mortgage loans, refinancing and insurance in Palm Coast, Florida and Flagler county. A recent article - Palm Coast Florida insurance covers insurance options for home, health and auto.



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Health Insurance Broker: Roles and Responsibility


A health insurance broker is no different from a stock broker or any other broker; he or she just specializes in the health sector. A health insurance broker helps you find the most suitable insurance company by matching your requirements with the provisions offered by the various policies offered by health insurance companies.

If you do not currently have an insurance policy or you do not belong to any group insurance, you may well benefit from seeking the help of a health insurance broker. Self-employed or people with medical conditions typically seek the help of a health insurance broker. A health insurance broker also works for the benefit of the coordinators of a group insurance. The health insurance broker is given a list of benefits sought by an individual or a group coordinator. What a broker does is search for individuals or coordinators which best match those needs. Then he presents his recommendations and if both parties agree, the broker formulates a contract between the two parties.

Does a health insurance broker work for any specific company?

Usually a health insurance broker does not work for any specific company. A broker's job is to gather information about the policies offered by the various companies in the vicinity, the rates they charge, how they treat policy holders who submit medical claims very often and any other information. However, many a times it does happen that a health insurance broker is given a financial incentive for promoting a company among the health insurance seekers.

Will it be costly to get a policy through a heath insurance broker?

The answer to this question cannot be generalized. Many times a health insurance broker makes an individual a member of a group plan offered by the state or trade union or organization. In this case, the individual will find rates lower and coverage better than if he had opted to go alone and seek the policy from the issuer company. Health insurance brokers usually get a commission, which is given only if both parties reach an agreement. This implies that one party or the other, and sometimes both, are responsible for the payment of broker's fee or share.

The rates, laws and rules related to health insurance keep on changing very frequently, hence health insurance brokers are few in number. Moreover, most of the states require that health insurance brokers be licensed before they can work. Also, these requirements are not uniform throughout the nation and differ from state to state.

You should seek the help of a health insurance broker if you are mired in the health insurance bureaucracy. In such a situation a health insurance broker might turn out to a great source of help for you.




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Friday, July 8, 2011

A Guide To Low Cost Health Insurance


Health insurance has become essential in the United States, with the cost of medication claiming more than half of the family income every year. Health insurance covers all major expenses of routine and emergency medical procedures. There are various types of health insurances available both online and from the various insurance companies, brokers and local insurance agents. Majority of the people take health insurance seriously, but there are many who cannot afford health insurance for their families, due to the high prices of health insurance plans. The federal government has designed a number of low cost health insurance programs that provide poor families and children with the required medical care.

The low cost health insurance program offered by the federal government is Medicaid and is regarded as the oldest and appropriate low cost health insurance program. It is designed for low-income families, children and pregnant women that come under the federal poverty level. Medicaid covers all the necessary medical expenses, such as hospital and doctor visits, prenatal care for pregnant women, drugs and other recommended medical treatment. There are health insurances offered by leading insurance companies and local agents at affordable rates. Group health insurance has become a popular option offered by a number of profit and non-profit organizations. Many companies offer group health insurance to their employees, which enable the workers to obtain affordable health insurance premiums and the maximum number of medical services. The policy of group health insurance involves the participation of the HMO or health maintenance organization and other major medical groups, such as Blue Cross and Blue Shield.

While choosing a low cost health insurance plan, it is advisable to get as many quotes as possible from the different insurance companies. They should be compared and the one that is most appropriate and affordable should be selected.




Low Cost Health Insurance provides detailed information on Low Cost Health Insurance, Low Cost Health Insurance Plans, Low Cost Family Health Insurance, Low Cost Individual Health Insurance and more. Low Cost Health Insurance is affiliated with Low Cost Whole Life Insurance.



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Temporary or Short-Term Health Insurance: The Fundamentals


There are several reasons you would look for a short-term health insurance. You may have just graduated college so you are no longer covered through your parent's policy. You may not have a job and be covered by an employer's insurance. You may have just lost or left your job and require a health insurance coverage until you secure a new job. You may have also just landed a job but it will be several months before you get health insurance coverage.

Whatever your situation is, having no health insurance even for a short period of few months can be very risky. If you are in this kind of a mess, temporary health insurance coverage will be of great assistance to you.

Temporary Health Insurance Coverage: What is it?

The name itself is pretty self-explanatory. A temporary health insurance policy covers you for a short period of time, anywhere between one to six months. However, longer period variants of health insurance are also available at times. If you require a longer health insurance coverage, some of these temporary policies can be extended, but a traditional health insurance plan is more beneficial in such cases.

Features of a Temporary Health Insurance Plan

Most of the medical conditions that the traditional policies cover are also covered by the temporary health insurance, yet these significantly differ from them. Temporary health insurance plans are a lot stricter regarding indemnity plans. Diagnostic and preventive treatments like check ups, dental and optical check up are not covered. Already existing medical conditions and work-related injuries are also not under the purview of a temporary health insurance policy.

Your temporary health insurance will give you coverage for any emergency conditions that you might suffer like prescription drugs, hospital and intensive care needs,X-rays and many times in home medical care too.

How to Get a Temporary Health Insurance

First of all, you need to get hold of an experienced health insurance agent. Decide beforehand regarding the period for which you will need the coverage and from when. Read the 'exclusion' clauses very carefully and don't hesitate to query and put forth your doubts. After you complete the application form, review it so as to ensure that every bit of information you have given is true. Keep a copy of all paperwork for your files.

Temporary health insurance cost varies depending on the kind of coverage you choose. Lower costs have a higher deductible 50/50 insurance option. Also do weigh some additional options. The prescription medicines are generally very costly, so it is better to go for getting them covered rather them not having insurance on it. Read the policy very carefully and weigh if the policy is worth the price you are going to pay.




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Low Cost Health Insurance


Health insurance provides medical expense coverage for individuals as well as groups. Insurance takes care of the bills of doctors, hospital stays, and other related health services. Today, a wide range of health insurance policies are available to choose from. They vary in quality, size of deductible, and benefits covered.

Due to high cost of insurance, the number of uninsured persons is increasing day by day. Low cost health insurance was introduced with the intention of bringing down the number of uninsured in the United States.

If you are searching for a budget friendly option, then low cost health insurance is a good choice for you. Low cost health insurance is inexpensive and is ideal for people who cannot afford high premiums. It offers excellent coverage for children up to age 19, self employed adults, college students, families, pregnant women etc.

As an affordable health insurance option, low cost health insurance offers a way to get medical expenses reimbursed. It helps you to save considerable amount of money on health insurance premiums. Low cost health insurances are the choice of employers or companies as they want to provide better benefits to their workers.

While purchasing low cost health insurance, make sure that it meets your requirements.

Finding the appropriate low cost insurance is one of the most challenging jobs. So it is advisable to seek the help of an insurance broker or an agent who can help you find the best plan that suits your individual needs.

Besides brokers and agents, there are several websites that function as health insurance resource centers. They help you to find low cost health insurance quotes from reputable insurance companies. Ehealthinsurance.com, quotemonster.com, medibroker.com, insure.com and healthinsurancefinders.com are some of the websites that offer the above services.




Health Insurance provides detailed information on Health Insurance, Health Insurance Quotes, Affordable Health Insurance, Health Insurance Plans and more. Health Insurance is affiliated with Health Insurance Company Ratings.



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Achieving Optimal Health - The Truth


Symptoms Are Just the Tip of The Iceberg

We grow up believing that when we are not unwell, we are healthy. However, in reality there is a large gap between optimal health and vitality and ill-health.

In fact, most disease processes take 10-20 years to develop. Symptoms are merely one of the final stages of the disease process. If you already have the symptoms, the body's fundamental metabolic control systems have been out of balance for some time and are now demanding attention.

It is true that there is place for every type of healing. However, in some instances people taking medications are just masking their symptoms. Therefore, the disease is still there, but the symptoms are just being masked by the medication. That is why some call the current medical establishment a 'disease management' service, not a health service.

Now, I am not suggesting for one second that you stop taking any medications you may be using. You should only ever alter your medication dosage in consultation with your Doctor.

I'm not sure if you are aware, but Doctors don't cover health in their syllabus. The majority of a Doctor's studying includes pathology (illness and disease) and pharmacology (drugs). Many Doctor's receive no more than 4 hours of training on nutrition during a 5 year degree.

Now let me put it this way. If you were rowing a boat and it sprung a leak, would you try to plug the hole or just tip the water out as it fills the boat? Well building health is like plugging the hole. Treating symptoms is like tipping the water out.

Therefore, you need to be very aware of your own body. If you have symptoms, it is a warning sign to you that your bodily systems are out of balance and need attention. You need to consistently be building and maintaining health to avoid and even reverse illness and disease.

Symptoms are just the tip of the health iceberg.

o The absence of symptoms doesn't reflect true health

o Symptoms are the consequence of a long series of events (lifestyle choices)

o Symptoms are the last phase to develop

o You can't judge true health by looking at symptoms

o Symptoms are the last phase to develop and the first phase to improve during the

regression of a disease.

Therefore, it is important that once symptoms subside, you continue to move further towards optimal health and vitality. If you don't continue to improve health, you are skating on very thin ice with your health.

There are five stages in the progression of disease:

1. Excretions:

o Phlegm, dandruff, skin conditions

o Not painful

o symptoms may come and go

2. Inflammation:

o Burns nerve endings and causes pain

o Usually self-treated with anti-inflammatory medications (covers up pain/problem)

3. Deposits:

o Cellulite, cysts, tags etc.

o Compensation systems are failing and body is depositing things it can't get rid of so as not

to compromise cell function

o Patients may have them removed

4. Impregnation:

o The enzyme pathways of the cells are being interfered with and energy pathways are being

upset.

5. Cell Degeneration:

o Organs may now need to be removed

6. Neoplasm:

o Cancer, the body is in the process of being recycled.

To achieve optimal health, energy and vitality, you need to consistently use the Foundation of Health Principles to build health from the ground up. The Foundation of Health principles are:

o Positive Thoughts

o Breathing correctly

o Proper hydration

o Eating right for your metabolic type

o Exercising right

o Drink plenty of good water

o Get plenty of good quality sleep.

Only through consistent healthy lifestyle habits will you achieve your true potential in life.

I you wish you well in your quest to build amazing health using the Foundation Principles. Building health will also reduce your chances of illness and you will feel great all the time.

© Leigh Brandon




Leigh is a holistic health practitioner who helps people to achieve their ideal weight, rehabilitate injuries and condition for sports in his BodyCHEK Clinic in London. He also runs the amazing ?Take Control? Get Healthy Programme. (T) + 44 (0) 870 486 2470 (E) info@bodychek.co.uk (W) http://www.bodychek.co.uk/ (W) http://leighbrandon.typepad.com/



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Thursday, July 7, 2011

Five Things You May Not Know About Small Group Health Insurance


This past September (2006), America's Health Insurance Plans (AHIP) Center for Policy and Research published a survey about the state of small group health insurance in the U.S. as of January 2006. The study was very comprehensive with many interesting results. Of the many findings, this article will touch on five that are most likely to shed some light on this subject for those in the small group health insurance market.

First, of the 650,000 small groups surveyed, it was found that for small group plans, premiums decreased as group size increased. On average, companies with between 26 and 50 employees paid about 13% less for single coverage than companies with 10 or fewer employees.

For those familiar with health insurance in general, this disparity probably does not come as a surprise. As group size increases, underwriters are able to spread risk more effectively. So, unfortunately, if you are looking for small group health insurance with say 10 employees, be prepared to pay more per employee than if you had say 30 employees.

Second, the amount of cost sharing by the employee typically is higher with small group health insurance plans. The average deductible for small groups (50 or fewer employees) was $849 while a survey by The Kaiser Family Foundation and Health Research and Educational Trust showed an average deductible of $469 for mostly medium size companies (up to 199 employees), a nearly 45% difference.

This disparity is most likely related to the higher cost for small group health insurance. Couple this with the fact that small firms may not have the resources of their larger counterparts, and you can more clearly understand this higher level of cost sharing for small group employee plans.

Third, among the companies surveyed with small group coverage, PPO plans enjoyed the most popularity. Fifty-seven per cent of employees with small group coverage chose a PPO plan, followed by HMO coverage with 39%. It's interesting to note that the oldest type of health insurance, indemnity health insurance, was barely a blip in the survey with less than 0.5%.

The recent popularity of PPO's is reflective of the changes in the health insurance market, changes brought on mostly by spiraling costs. Indeed, PPO's allow for the cost savings of an HMO, with the freedom to go out of your network if necessary and still have coverage, albeit at a reduced rate.

Fourth, just over 10% of small group employees had a choice of two or more insurance plans. This number seemed low until it was viewed in light of the popularity of PPO plans. That is, one PPO plan is more likely to offer coverage that addresses the needs of a larger number of individuals.

More significantly, perhaps, is the fact that more than 80% of the small groups surveyed had 10 or fewer employees. With such small groups to begin with, it would be very difficult to offer affordable group health insurance to any subset of such groups.

Fifth and last, is an issue that is mentioned in the survey results but was not a finding of the survey. That is, while small group health insurance is mostly regulated by the states, it is federal law that requires small group health insurance be offered as "guaranteed issue". This means that small businesses cannot be denied coverage due the health problems of its employees or dependents. However, even though the health status of a company's employees and dependents cannot be used to deny coverage, it can be used to determine rates. This varies by state, but will typically result in higher premiums.

The small group health insurance market can be a frustrating place for many. By gaining a greater understanding of the current state of this market, one can approach the subject in a more realistic manner. For those in the small group health insurance market, there are many factors to consider that can affect cost. These include, but are not limited to, the size of your small group, the state in which the company is located, and the level of benefits offered to employees.




Jonathon James has been working in the health industry for nearly twenty years. To view additional articles and resources related to small group health insurance, please visit LearningAboutHealthInsurance.com



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National Health Care


More than 45 million Americans go without health care. At 14% of the gross domestic product, national health care spending is at an all time high. Health care issues and prescription drug costs continue to gain increasing attention during election campaigns, and many Americans are calling for the need to provide national health coverage as a universal service to all residents.

The government already provides healthcare to 28% of Americans. Medicaid programs cover medical treatments for people who are of low income and limited resources. Medicare provides health care coverage to U.S. citizens over the age of 65, and to certain people under the age of 65 with specific disabilities. While neither of these systems are perfect, advocates call for the expansion of similar national health care products to service all U.S. citizens. Although 61% of Americans have private health insurance, usually through a group employer, proponents of national health care coverage believe that only government reforms and mandates can control rising health care costs and make coverage available to all citizens.

Among physicians who support a national health care system, a single-payer system is seen as the only solution capable of providing coverage to the uninsured or underinsured, while also controlling the skyrocketing health costs due to drug pricing, malpractice suits, and long-term care. Under a single-payer system, the government would finance health care, but delivery of services to the consumer would be managed by private parties. How to integrate this in a cost-efficient manner, without breaking our current system, continues to be a source of much debate.

The call for a universal health care system began under the Theodore Roosevelt administration, and was a major issue and topic of debate during the Clinton administration. During this time, First Lady Hillary Clinton was appointed by President Bill Clinton to head the Task Force on National Health Care Reform, making national health care her primary concern. The system reforms she proposed were too complex for many Americans to understand and they were defeated in Congress. In 2003, President George W. Bush signed the Medicare Prescription Drug, Improvement, and Modernization Act. This was done to overhaul and expand a system which had become antiquated.

Despite this, many experts believe Medicare will run out of money as the baby-boomer generation requires greater, more intensive health care, and suggest national health insurance as the only solution. Many proponents of national health care point to the face that the United States, which is vastly rich in its resources, should be capable of providing the same type of national health care coverage that is universally offered in other modern, industrialized nations. National health care systems have been in practice for some time in many European nations. Those systems don't provide the same independence of choice that individuals in the U.S. demand.




For more information visit us online www.GuideToHealthInsurance.org

Dennis Alexander - leading consultant for employer group and individual/family health insurance. Marketing consultant for major health insurance resource websites and brokerage firms online. Some of the websites consultant and/or administrator www.HealthCoverageQuotes.com, www.GuideToHealthInsurance.org



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Older Dog Health Problems - Common Health Problems Facing Senior Dogs


Like all animals, as dogs age they tend to develop health problems unique to

older dogs. Many dog owners have a difficult time accepting this fact and

think that their lively pooch is not an older

dog and will not have health

problems. Dogs can, however, show signs of aging as early as seven

years old. Older dog health problems generally affect larger breeds

earlier than small breeds that tend to show signs of aging around 10 to 12 years

of age. The fact is that senior dog

health problems will eventually be a concern for every dog owner.

Common Health Problems Facing Older Dogs

All dogs are different and, depending on their size, breed and activity level,

will exhibit health problems differently. However, there are common health

issues that may manifest in all senior dogs including the following:

Joint and bone problems


An overall reduction in their metabolism
Difficulty with their eyes and ears
Liver and kidney dysfunctions
Skin becomes thin and less pliable while the coat becomes mottled and patchy
Problems with teeth and gums

Unlike a little puppy who has an endless supply of energy, an older dog will

tend to slow down and take longer to lay down or stand up. Instead of

bounding up the stairs your senior dog might take each stair one at a

time. Your dog may develop arthritis, an inflammation of the joints

causing pain and discomfort, which is generally the cause of this slowing

down. There are a host of anti-inflammatory drugs that your veterinarian

can suggest to reduce the discomfort caused by arthritis.

In many cases, an older dog will have problems with their eyes as they develop

cataracts or even glaucoma. A cataract will become obvious to the owner as

the eyes have a cloudy appearance and tend to reflect light. Senior dogs

may also develop glaucoma, an increased amount of pressure on the eyes, and can

cause more serious problems if left untreated.

The entire circulation system and many of the major organs are taxed in older

dogs. The heart, lungs, liver and kidneys all become less efficient and

the immune systems can become weak and vulnerable to viruses and bacteria.

Serious health problems may develop in your senior dog as some of the symptoms

develop gradually. It is your responsibility to maintain your older dog's

health and remain informed of the possible senior dog health problems that

commonly arise.

Helping Your Older Dog Overcome Health Problems

As an aging dog inevitably develops health problems, you can help alleviate many

of the symptoms and keep your pet comfortable. The most basic thing you

can do is simply pay more attention to your senior dog making sure you're aware

of the changes taking place. Brush your dog's coat daily and ask your vet

if there are special shampoos to help with her skin and coat. Spend time

rubbing your hands on his coat feeling for bumps or lesions. Be patient

when your dog needs a little extra time walking up the stairs or jumping up into

the car. Make sure you make regular visits to your vet and stay current on

vaccinations. Brush your senior dog's teeth regularly and have them

professionally cleaned occasionally. Provide regular exercise while also

making adjustments needed for your dog as she ages.

As your older dog slows down, you might have to adjust her diet to help

compensate for the reduction of energy for both her weight as well as her coat

and her circulation system. Not only must the overall calorie intake be

reduced, but you can also feed your senior dog specially formulated foods made

to fit their particular needs. Try to purchase the most expensive, best

quality food you can afford and avoid greasy table scraps.

It's an inevitable fact that dogs age, but you can make a difference in helping

your older dog overcome health problems. Keep in mind that in the last

eighty years or so the average lifespan of dogs has increased from 7 years to

12. Expanding your knowledge and paying attention to your dogs health will

help ensure your dog lives a long and comfortable life.




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Women's Health Supplements


There is a huge variety of health supplements available on the market. Are there health supplements that are specifically formulated and intended for women? Yes, there are. Women have special health needs that must be addressed. Of course, good nutrition and regular exercise are two important pillars of good health. Sadly, many of today?s processed and chemically treated food products lack the necessary vitamins and minerals necessary for optimal women?s health. Also, a hectic and busy lifestyle and pollution can further worsen the nutritional deficiencies.

Health supplements are vital to strengthen a woman?s immune system and fill in the nutritional ?gaps? that are not met by regular food intake. Special attention must be given to various health issues that are more prevalent in women. These include breast cancer, obesity, premenstrual syndrome, osteoporosis, menopause, pregnancy and fertility, heart disease, hypertension, and skin care.

Fortunately, there are now health supplements available targeted specifically for women. Most of these health supplements are packed with vitamins and minerals that help boost a woman?s general health as well as fortify her body?s immune system. For instance, health supplements with amino acids and antioxidant vitamins (A, C, E) are good for preventing cancer.

Calcium and magnesium are effective in reducing the symptoms of premenstrual syndrome. Vitamin E is essential in keeping the skin healthy and vibrant as well as improving the body?s defense system. Calcium and vitamin D are vital in preventing the onset of osteoporosis. Folic acid is a good supplement that pregnant women can take to prevent defects in the baby?s neurological system. Needless to say, there is a huge variety of supplements that meet the health needs of women.

Most of these are readily available in drugstores as well as in specialty health supplement stores. Still, it is important to note that these supplements cannot take the place of good diet, regular exercise and a healthy lifestyle. Nevertheless, these health supplements are vital in providing the necessary vitamins and minerals that women need.




Health Supplements provides detailed information on Health Supplements, Natural Health Supplements, Discount Health Supplements, Alternative Health Supplements and more. Health Supplements is affiliated with Discount Nutritional Supplements.



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Health Savings Accounts - Investing For a Healthy Future


Most of us at one time or another have had a savings account at a bank. Health savings accounts are not that much different. A health savings account is a tax free medical saving account. Health savings accounts are always associated with high deductible health plans (HDHP). With a high deductible health plan, your annual deductibles are high but the monthly premiums are low. The health savings accounts make it possible to set money aside and then use it whenever needed for your medical expenses.

Health savings accounts are fairly new to the insurance scene. In December of 2003, President Bush signed the Medicare Prescription Drug Improvement and Modernization Act. This law was intended to help businesses save money on skyrocketing health insurance costs by allocating a greater portion of the cost to employees. In turn, an employee would pay lower monthly premiums but was responsible for much higher deductibles before health insurance coverage would kick in. In effect, you are self-insured up to your deductible for each year that you are enrolled in a HDHP. Previously, medical savings accounts were available only to small businesses and the self-employed. Health savings accounts are available to anyone under the age of 65.

The earlier medical savings accounts were tax free but did not allow for any type of investing. Not only are the HDHP health savings accounts tax-free, the assets from the accounts can be invested. This makes high deductible insurance plans an affordable and possibly lucrative option. You are allowed to set aside tax-free dollars now to guard against future health issues. If you enjoy good health and don't need to use the money, your overall financial health will improve as well!

There is also another type of savings account applicable to medical expenses. A health care flexible spending account (FSA) is somewhat like a heath savings account but there are differences. One of the biggest differences is the amount of money that can be placed in them each year. With a flexible spending account there is no cap on the amount of money that can be contributed to the account unless your employer or insurance company sets one. Flexible savings account may sound like the better deal but if you are looking for flexibility it's really not. The money you set aside in a flexible spending account can only be used for qualified medical, dental, vision or prescription expenses or any health-related expense that your health insurance policy does not cover. In addition, FSA funds must be spent each year or you forfeit any remaining balance. Thus, to maximize the tax savings benefits of a FSA, you need to be pretty accurate in determining your medical expenses from year to year.

For health savings accounts, you can contribute up to the lesser of your HDHP deductible or the amounts set by the Internal Revenue Service. For 2006, the IRS limits are $2,700 for individuals and $5,450 for family coverage. Taxpayers over 55 years old can contribute an additional catch-up amount of $700 for 2006. The money you place into a health savings account can be used for any medical expenditure and can be rolled over from year-to-year and from job-to-job. Withdrawals for non-medical purposes are taxed and carry a 10% penalty for taxpayers under age 65 years. After age 65, non-medical withdrawals are taxed without the penalty.

Health savings accounts can be a great option for some people. Coupled with the right high deductible insurance policy, a health savings plan can be the perfect medical insurance solution for those seeking lower premium costs without sacrificing adequate health insurance coverage. The fact that with a health savings account you can invest your contributions tax-free makes a health savings account an almost perfect solution. While not for everyone, if you're in good health, with a longer span of time before retirement age and do not need costly ongoing prescription medicines, a HSA may be your best choice.




Denise Durbin is the webmaster for HealthInsuranceFAQs.com Before you sign up for any insurance policy, visit http://www.HealthInsuranceFAQs.com for more tips and resources for getting the best health insurance policy.



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