What You Need To Know Before You Purchase Your Health Insurance

When you shop around for a health insurance plan, health insurance quotes can help narrow down your options and identify the best plan that fits your medical requirements and budget. The main types of quotes you will come across are:

* Indemnity of Fee-For-Service Plans - These offer the most convenience and flexibility because they allow you to visit any doctor of your choosing. These plans are in high demand but are getting more expensive.

* Health Maintenance Organizations (HMOs) - Most health insurance quotes are this type nowadays. HMOs are a group of health care providers who bundle their services together at a fixed price. HMOs are suitable for people on a tighter budget who are not looking for any specialized services outside of the network.

* Preferred Provider Organizations (PPOs) - PPOs offer the flexibility of using both your managed group services such as with HMOs, and also services outside of their network without a referral such as with the Fee-For-Service plans. PPOs are a bit more expensive than HMOs but cheaper than Fee-For-Service plans.

Once you have decided which plan to go with, the cheapest way to obtain health insurance quotes are through group coverage, such as from the workplace or professional organizations etc. If you cannot find any group coverage, individual coverage is another option, though far more expensive.

When you have purchased your plan, make sure to familiarize yourself with the health insurance coverage, which is a contract that specifies what medical benefits your health insurance provider will and will not cover. The extent of the covered medical services depends on the fee that you pay your health insurance company, and may include services such as prescriptions, checkups, and tests etc. All services not covered in your contract are also listed, and payment has to come out of your own pocket should you require them.

To keep yourself abreast as to what your health insurance provider covers or not, make sure you carefully read your health insurance coverage. In this way you wont be taken by surprise with a nasty health bill, and if your doctor recommends a treatment that is not covered by your health insurance, then you can request for alternative treatments that is covered.

Though a majority of treatments or procedures advised by doctors are covered in your health insurance plan, you may occasionally run across a treatment that is not covered. In this case, you can try and challenge the health insurance coverage to include this treatment in the coverage. Enlist the support of your doctor too.

For more on Health Insurance [http://www.budget-health-insurance.info/sitemap.html] visit Susan's site at budget-health-insurance.info [http://www.budget-health-insurance.info]. Susan also enjoys writing at Health & Fitness

This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

Family Health Insurance - Do Your Research First Before Choosing A Provider

Teen Fitness, Teen Health and College Health: Small, Easy Changes Before Big Ones

Teen fitness, teen health and college health issues are everywhere. Teen fitness because teens are overweight, college health because of the "freshman 15" and teen health because of weight issues like Type II Diabetes.

How can we make issues like teen fitness and college health less of such an incredible concern? When people talk about "teen health", how can we make sure the conversations are about how great our teen health is? Why can't "teen fitness" mean how fit our teens are?

When trying to change things like college health and teen fitness, we need to look at the micro instead of the macro. Sure, teen health wouldn't be a big deal if all the McDonalds in the country were gone. And sure, college health would be a lot better if college students didn't drink. And finally, teen fitness would be a lot better if everyone made a varsity sport and there weren't any vending machines in cafeterias.

But lets face it, college health, teen health and teen fitness is at the forefront of our society's concerns because these things aren't true. Because of this, college health and teen fitness will not improve with drastic changes. Teen health will be improved with small changes.

Sure, fixing college health would be great by eliminating keggers. And obviously teen health and teen fitness would improve without the Internet. But in today's day and age, these things aren't going to happen. Teen health and teen fitness will continue to diminish and college health will keep getting worse without small changes.

Simple ways to improve teen health, college health and teen fitness:

-Look for healthier options at the vending machines. Teen health is declining every time a student chooses a Ho Ho, Twinkie or packet of M&M's. Most vending machines have healthier options.

Small change needed to improve teen health and teen fitness: Switch to a healthier snack like pretzels or baked chips. Or, if you can't do that, try to only hit the vending machine once every other day. Either choice will save you hundreds of calories a day. This will certainly help teen health and teen fitness.

-Workout, but remember, this doesn't mean for 90 minutes a day. Teen health, teen fitness and college health wouldn't be as bad if students exercised a half hour a day. That's all you need. (Go to [http://www.GenerationYfitness.com] for free and short workouts) Working out for 90 minutes is a thing of the past, and teen health, college health and teen fitness would be improved if you realized this.

-Watch liquid calories for better teen health and teen fitness. By liquid calories I mean everything from beer (college health would be a lot better!) to soda. And, what some people don't realize, is there are more calories in a regular soda than a beer! Liquid calories certainly add up and are clearly affecting teen health and college health.

Small change to improve teen health and college health: Switch to diet soda, and if you must consume alcohol, switch to light beer and cut down on the drinking in general to save thousands of calories (and dozens of pounds of fat).

-Learn to read! Teen health and college health would be improved if you learned to read...nutritional labels, of course. Teen fitness would be fixed if you read these and learned how bad the food is that you're eating actually is. And, teen fitness and teen health would be improved if you learned about serving size.

Small change to improve college health and teen fitness: Stick to serving sizes when snacking.

College health and teen fitness doesn't need drastic changes to improve. Teen health can be fixed with small changes first, then drastic changes after.

Matt Elder is the co-owner of [http://www.GenerationYfitness.com] , the world's only website designed just for high school and college students. The site is exclusive to members, but is completely free. Go today to www,generationyfitness.com today to get your free $27 e-book "How Working Out Will Improve Your Social Life".