What is Health Insurance?Health insurance policy is a way to get financial assistance for medical emergencies and ill health. In today's time it is very vital for everybody to have a health insurance. You can buy a health insurance policy either from a government insurance agency or an independent private company. Almost all health insurance policies pay only a fixed percentage of the overall medical expenses incurred during a hospital visit. The...more
Many people look forward to the time they are retired and will have Medicare Insurance. During a person's working life a certain amount is deducted from their paycheck to go to this fund. When retired and receiving Social Security it's also deducted each month. What many people do not understand is that there are some things that Medicare does not cover or has limited coverage. For this reason many purchase AARP Medicare Supplement Insurance.The...more
In today's time, health insurance is a must for every individual. However, choosing a health insurance is a fairly confusing task. However, if you pay attention to the points below, you'll find it quite easy and straightforward to choose the right policy for you or your family.Broadly speaking, there three things you must give very careful consideration before committing to any health policy cost of premium, what all is covered and where is the coverage available.Start with the your budgetEverybody pays attention to the cost of the premium. Though a very important factor, it should not let you ignore or give less weight to the other two coverage and network. A lot of websites today provide a calculator to calculate the cost of premium based on your age, medical history and other similar factors and then list you the various health insurance schemes from various insurers. This makes it very easy for you to narrow down your list based on your budget. You should always look out for hidden costs and expenses and if possible verify with the actual insurer.Determine what all is coveredThis is the sole purpose of a health insurance. So you should be very very careful while going through...more
A Philadelphia chiropractor is helping many people get relief from migraine headaches. This type of headache can be one of the most severe forms of pain and debilitate many people each year. Those who go through this type of headache sometimes can do nothing but lie down and wait for the pain to subside.Chiropractors believe that migraines are...more
When it comes to health insurance, there are various options that you can consider. Do not just rush to a health insurance company without knowing what is best for you. Anything to do with individual health insurance is all about getting what you want, and this can be achieved by comparing the options that are available. Today, you need not...more
long term Medical insurance really just comes into ONE form. Yes, you read right, one form. The main idea behind medical insurance is cover your medical expenses in case of an illness or accident. The only major variations really are just, what we call, the moving parts. These parts are often called deductible, co-payment and lifetime maximum benefit. Long term medical insurance (as opposed to short term medical insurance) is meant to be a permanent type of coverage.With medical insurance, the deductible is simply the amount you would have to pay before the insurance company pays anything. The co-payment is the shared amount you and the insurance company agreed to pay in case of a covered illness. The sharing could go as follows. If your co-payment is 80/20, then the insurance company would pay 80% of the covered medical expenses and you would pay the remaining 20%.As an example, if you have an 80/20 plan with a $2,500 deductible and your medical bill totals $10,000 and all charges are covered by your policy (more on that in another article) then your final out of pocket (what you will need to pay) will be $2,500 (your deductible) + 20% of $9,000 (the remaining amount...more
For the average person it has become more difficult to pay for a good health insurance because the rates are rising constantly and insurance companies charge more. The cost of medicines have increased and hospitals are now more focused...more
One of the tools sometimes employed by organized workers to reach their goals, such as improving working conditions or pay, is the strike. During a strike, employees refuse to work until the company agrees to negotiate with their labor...more
Ringing Ears Dizziness NauseaDid you know that feeling dizzy is not an illness, but rather a symptom of something else? It is your body's way of communicating to you that something is not quite right with your body. Different people...more
Can a Colorado Springs Dermatology Clinic Help Me With Skin Lesions or Melanoma?Can a Colorado Springs dermatology clinic help me with skin lesions or melanoma? Of course it can. Colorado Springs dermatology clinics offer a variety of procedures,...more
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If you are currently insured by your employer than you in all probability dont even have an implication what your health insurance policy covers. Oh sure, like many people you understand the amount of your portion along with how much your deductible...more