Browsing Tag

health insurance

5 Effective Ways To Save On Medical Care And Health Insurance

If there’s one thing that all of us need, especially now, it’s health insurance. However, being that this is still a time when unemployment rates are high and budgets are tight, it’s important to find the kind of medical care and health insurance that’s good but also very affordable.

If this is the dilemma that you currently find yourself in, you’ll be glad to know that there are actually several effective ways to save when it comes to your healthcare needs. If you’re interested in knowing what some of those ways are, please keep reading.

Shop around for the best coverage. By far, one of the best ways to get a good rate on health care insurance is to shop around. This will help you to see what each company has to offer. Do keep in mind that if you’re wiling to pay a higher deductible, you can end up paying a lower premium. This is good to know if you’re someone who is in good health and doesn’t see the doctor often (other than for your annual check-up).

August 13, 2014

Health & Beauty

How To Select The Right Disability Insurance

You might think that businesses are the only ones that need to worry about selecting disability insurance (for workers that are injured on the job, for example). In fact, many people don’t even know that they can get a personal disability policy to help them pay for medical expenses and bills should they suffer an accident, injury, or illness that leaves them unable to work. But suppose you fall off a ladder while cleaning out your rain gutters, or you develop cancer and you can’t work while undergoing treatments. Your health insurance should cover medical bills, and workman’s compensation may kick in to deliver a portion of your salary (if the disability is work-related). But if it doesn’t you’ll be left with no income at all. And since most people rely on their paycheck to cover the monthly bills, this could leave you in a terrible pickle. So now you realize the importance of this form of insurance. But how can you find the policy that’s best for you?

It’s important to select the right policy when it comes to disability coverage. If you’re a safe driver you might save some money by opting for liability coverage only. Or if your home is in an area that rarely suffers natural disasters you may not feel the need to spring for additional coverage for flooding, earthquakes, or tornadoes, for example. But a disability policy is meant to cover you, or more to the point, your earning potential. Your bills won’t stop coming just because you can’t work, and if you want to continue to pay for your home, your car, utilities, food, and other insurance policies, you need to have a plan in place that will give you the money you would otherwise be earning through a job. So you can’t take the selection process lightly.

March 14, 2013

Health & Beauty

5 Common Services That Are Declined By Health Insurers

Considering how much you shell out for health insurance, you’d expect your provider to cover any services that fall under the mantle of medical care. And yet, there are all kinds of common procedures that your health insurance will decline when billed. Some of them will not come as much of a shock, but others may leave you scratching your head and wondering if the people who created the policies have any common sense. Here are just a few you’ll want to watch out for.

Annual physical. Coverage for preventive care seems like a no brainer, but you’d be surprised how many insurance companies deny payment for annual physicals. This basic checkup gives patients the opportunity to see how they’re doing and learn what they need to change in order to achieve better health. From an insurance standpoint, this means a reduced likelihood of expensive medical bills down the road for easily preventable health issues. Unfortunately, the insurance companies seem to view the annual physical as an unnecessary expense, and many do not include it in their policies.

Elective procedures. Any time you opt to undergo a procedure that the insurance company deems as unnecessary to preserving your ongoing health, you’re bound to see the claim denied. This generally includes any kind of cosmetic procedure, whether you want laser hair removal, a tummy tuck, a brow lift, or a gender reassignment surgery, just for example. Interestingly, there are some cases in which cosmetic treatments will be covered. Say you have excess skin on your eyelids that makes it hard for you to see. Your insurance company may cover the cosmetic procedure required to remove it. So long as there is a medical reason for having a procedure that would normally be deemed “elective” you might be able to obtain the coverage you seek. Otherwise you’re out of luck.

March 14, 2013

General

The Most Affordable Insurance Options For Freelancers

There are many benefits to becoming a freelancer. These days, with unemployment high and the stability of the job market uncertain, contract work offers skilled and knowledgeable job seekers the opportunities to ply their trade, even if only for short-term projects. But of course, most freelancers also enjoy the ability to set a flexible schedule, work from home, skip the daily commute of a nine-to-five, and be the boss. Unfortunately, the life of a freelancer also has a downside. You must motivate yourself to get work done and you’ll frequently have to hustle for clients if you want to pay the bills. In addition, although you receive a higher pay rate than you might as a regular employee, you also give up the benefits that most companies afford their full-time staff, including health insurance. This means you’ll have to pay for your own, and it can cost a pretty penny.

Luckily, there are a lot of options out there that freelancers can take advantage of. If you have the cash you can certainly spend it on top-notch policies with big-name providers like Blue Cross and United. But why waste the money when there are far more affordable options to be had? A good place to start your search is at FreelancersUnion.org, an online group that caters to all types of freelancers, from writers and lawyers to nannies and other caregivers. In addition to aiding freelancers in necessary tasks like making contracts and finding jobs, they also help you to find all kinds of affordable insurance policies including medical, dental, life, and even retirement plans. They generally aren’t as pricy as straight up personal insurance and they can offer many attractive benefits and options to choose from.

January 20, 2013

Health & Beauty

The Basics Of Dental Insurance – What You Need To Know

What is dental insurance?

Dental insurance is a kind of health insurance that covers costs related with dental care. There are a number of different kinds of group, family, or individual dental insurance plans that are grouped into three main categories: Indemnity (or occasionally known as true dental insurance) that permits you to see any dentist you desire who accepts insurance, PPNDP (Preferred Provide Network dental plans), and DHMO (Dental Health Managed Organizations) in which you are allocated to an in-network dental office or in-network dentist and have got to keep on within that network to take advantage of your dental benefits.

August 20, 2012

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