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Can you choose between apples and oranges? Then maybe you could work out which health care insurance coverage plan is appropriate for you. Comparing insurance plans can be difficult, and insurers do not want to be able to evaluate with a side-by-side manner. Follow this advice to make it easier.
Our health care system is in turmoil. Our country's poor health has broken the system. Obesity is rampant and costs the nation billions of dollars each year. Even a small part of this expense spent in prevention would save money, anguish and lives. Your employer's insurance carrier may offer lower rates to non-smokers or those who keep their weight in line. If your job provides wellness classes or incentives, take them and use them.
Low priced health insurance plans usually cover a portion of major health problems and do not cover preventative treatment. Expensive plans cover almost every health need you may have. To decide on the best plan, figure out what your family's current needs are and how much you can afford.
If your employer offers a pre-paid medical account, you can put pre-tax dollars away to spend on medical costs to offset any deductible or extra medical expenses you may encounter. Self-employed people can also use this strategy to protect income from taxes. The only caveat is that if you don't spend the pre-tax dollars, you lose them, so plan your deduction wisely.
Insurance premiums are scary, at least until you check on what medical costs are. Every one has heard the $200 aspirin stories and they are pretty much true. If you deal with a hospital on your own, you pay whatever they ask. If you are an insurance company, you represent thousands or possibly millions of people. They negotiate a price they will pay and the hospitals agree. If you have co-pay, it is never near full un-insured price.
If you are just getting insurance, be prepared to provide a medical history with names, dates, problems treated and so on. The insurance company will do most of the research from the information you provide, but you may need to get transcripts, copies of x-rays, dental records.
If you are a recent college graduate considering purchasing health insurance, you have a variety of options from which to choose. First, you may want to consider staying on your parents' health insurance plan if you are still living with them. Recent health reform laws have raised the age of dependents to 26. However, make sure to compare the rates with what it would cost you to obtain your own policy. If you decide to get your own policy, choosing one with a high deductible or one that is short-term is often a cost-effective measure for young adults.
If you have a local doctor you like, ask him what insurance plans include him. That will save you from changing doctors. High premiums to get local attention can easily pay for the cost of travel to another insurer's network of doctors. Choose wisely!
Picking a healthcare plan is hard. It has been comparing apples to oranges. Recent healthcare regulations will put each state's insurance company coverage information together in a side by side chart. This will, for the first time, make it easy to see what each company offers and what it costs. These charts should appear within the coming year. Thank you universal health care.. PureVolume™
