• Dispelling the My..
  • Medical savings h..
  • Choosing the righ..

Dispelling the Myths

Many people think they can't be covered by health insurance if they have a pre-existing condition or are in poor health. Maybe you're one of these individuals, and have tried to obtain health coverage in the past, only to be repeatedly denied. Luckily, there is some good news for you. You can get health insurance through a guaranteed issue health insurance policy.

There are a lot of myths surrounding guaranteed issue health insurance. These policies are actually quite misunderstood. Here are three of the biggest myths surrounding this type of coverage, and the truth that dispels the myths.

Myth #1 - Guaranteed issue health insurance is expensive.

Nothing could be further from the truth. In fact, many of these policies are on par or even less expensive than regular individual health insurance, and they cover much more than these other policies, regardless of your health status or concerns. Interestingly enough, even when compared to group insurance policies or association insurance coverage, guaranteed issue medical coverage manages to stay competitive with many other types of policies.

Myth #2 - Guaranteed issue health insurance doesn't cover pre-existing conditions.

Guaranteed issue means that it is a guarantee. It cannot be refused to those who apply for it. Yet people still believe that their pre-existing conditions will not be covered by the insurance policy. However, many guaranteed issue health insurance policies cover pre-existing conditions. Some will cover them after a 3-6 month probationary period (some as long as 12 months), while others don't have a probationary period at all. As long as you are able to pay your premiums, all your qualified conditions will be covered, including pre-existing conditions. The best way to ensure this is to shop around and ask about coverage for pre-existing conditions. The vast majority of policies will cover them — the important part is finding out about probationary periods and length of time (if any) that coverage will not be extended to pre-existing health conditions.

You will likely find that this is extremely rare, and that's why people with pre-existing health conditions automatically turn to guaranteed issue medical policies as an affordable alternative.

 

Medical savings health plan

Savings on Medical Health Plans

Though there are several health insurance plans or health card options available in the market these days, not every plan provides you a complete coverage. Majority of the insurance plans provide limited indemnity, which covers only 50% of the expenses. But with the increase in the rates of drugs and other essentials, you may not be able to afford even the remaining 50% of your medical expenses, which may include your drug bills, hospital expenses, the required test strips and syringe for your diabetic test, etc.

Savings on Medical Plans

A good medical savings health plan, when combined with the conventional guaranteed health insurance, could really be a boon for you. Such a plan would certainly keep your expenses for prescription drugs and doctor’s visits within affordable limits.

The Best Health Plan

It is easy for you to pick the right medical health plan when you understand what really a best health plan would offer you. Here are some pointers to keep in mind:

  • Coupled with a medical insurance plan, the best health plan can offer you huge savings on your medical expenses.
  • The best health plan offers huge discounts on prescription drugs, as well as expenses on health care assistance.

 

  • A guaranteed health plan provides you with instant coverage during any emergency situation.
  • Backed by contractual obligations with quality pharmacies and doctors, medical savings health plans let you enjoy up to 50% discount on doctor's visits and prescription drugs. This way, you no longer need to get bogged down by spiralling medical costs.

 

  • Such medical plans can also help you enjoy considerable savings on surgery costs, check-ups, hospital stays, blood tests, x-rays, and much more.

Pitfalls

Some dishonest merchants posing as real insurance agents or providers may lure unsuspecting people into buying medical savings health plans that provide non-realistic promises of discounts. Such scam plans often substitute non suitable generic drugs for branded drugs and do nothing more. So, you should beware of such medical heath plans that simply exchange one problem for another and don’t really help you manage your healthcare expenses.

Conclusion

Make an informed decision to select the most reliable and guaranteed health plan, which can help you save a lot on your medical bills.  

 

Choosing the right health insurance

Choosing the Right Health Insurance Stressfree

Too often one feels rushed into buying health insurance & end up choosing the wrong plan for them. Know the facts before making a selection.

 Health Insurance Companies

In today’s age of information overload where a deluge of private, public, and community programs are available to meet your healthcare coverage needs, it really becomes a daunting task to sift through all the available information and select the one that best suits your needs and budget. This is why finding affordable health insurance companies become important. Since no two plans are the same, you need to get a quote from multiple companies, compare the rates and other factors before selecting one.
Picture: Decision making” Finding Health Insurance can be very stressful”

Pitfalls of choosing in a hurry

In their hurry, people often end up choosing the first plan that they come across, or select plans that they later find doesn’t cover a sudden major medical expense. To avoid such pitfalls, you should invest in comprehensive and affordable health insurance from reputed health insurance companies. Remember – your health is your most important personal asset, and you shouldn’t leave yourself to the mercy of fate. 
 Steer clear of detrimental situations by seeking clear, professional advice from reliable and reputed insurers and agents of insurance companies. You can also opt for guaranteed health insurance plans that offer pre existing health insurance coverage in case your claim for a standard health insurance is denied.

Choosing the right insurance company: Things to know

Picture: Couple on computer “Finding Health Insurance should be a stress free task. Let us do the hard work”

In order to choose the right insurance company and the ideal health insurance plan, you should have adequate knowledge about:

  • Your rights and consumer protection
  • Available insurance choices (like PCIP - Pre-Existing Condition Insurance Plan, Young Adult Coverage, CO-OP Insurance Plans and Affordable Insurance Exchanges – the last two being about to start from 2014 under the Affordable Care Act)
  • Insurance costs
  • Tax credits and new programs available to organizations and businesses

Knowing about your choices as a consumer, and knowledge about rules and regulations that hold insurance companies accountable will help you select the right insurance company and affordable health insurance plans that meet your needs.

 

Dispelling the Myths

Many people think they can't be covered by health insurance if they have a pre-existing condition or are in poor health. Maybe you're one of these individuals, and have tried to obtain health coverage in the past, only to be repeatedly denied. Luckily, there is some good news for you. You can get health insurance through a guaranteed issue health insurance policy.

There are a lot of myths surrounding guaranteed issue health insurance. These policies are actually quite misunderstood. Here are three of the biggest myths surrounding this type of coverage, and the truth that dispels the myths.

Myth #1 - Guaranteed issue health insurance is expensive.

Nothing could be further from the truth. In fact, many of these policies are on par or even less expensive than regular individual health insurance, and they cover much more than these other policies, regardless of your health status or concerns. Interestingly enough, even when compared to group insurance policies or association insurance coverage, guaranteed issue medical coverage manages to stay competitive with many other types of policies.

Myth #2 - Guaranteed issue health insurance doesn't cover pre-existing conditions.

Guaranteed issue means that it is a guarantee. It cannot be refused to those who apply for it. Yet people still believe that their pre-existing conditions will not be covered by the insurance policy. However, many guaranteed issue health insurance policies cover pre-existing conditions. Some will cover them after a 3-6 month probationary period (some as long as 12 months), while others don't have a probationary period at all. As long as you are able to pay your premiums, all your qualified conditions will be covered, including pre-existing conditions. The best way to ensure this is to shop around and ask about coverage for pre-existing conditions. The vast majority of policies will cover them — the important part is finding out about probationary periods and length of time (if any) that coverage will not be extended to pre-existing health conditions.

You will likely find that this is extremely rare, and that's why people with pre-existing health conditions automatically turn to guaranteed issue medical policies as an affordable alternative.

 

Medical savings health plan

Savings on Medical Health Plans

Though there are several health insurance plans or health card options available in the market these days, not every plan provides you a complete coverage. Majority of the insurance plans provide limited indemnity, which covers only 50% of the expenses. But with the increase in the rates of drugs and other essentials, you may not be able to afford even the remaining 50% of your medical expenses, which may include your drug bills, hospital expenses, the required test strips and syringe for your diabetic test, etc.

Savings on Medical Plans

A good medical savings health plan, when combined with the conventional guaranteed health insurance, could really be a boon for you. Such a plan would certainly keep your expenses for prescription drugs and doctor’s visits within affordable limits.

The Best Health Plan

It is easy for you to pick the right medical health plan when you understand what really a best health plan would offer you. Here are some pointers to keep in mind:

  • Coupled with a medical insurance plan, the best health plan can offer you huge savings on your medical expenses.
  • The best health plan offers huge discounts on prescription drugs, as well as expenses on health care assistance.

 

  • A guaranteed health plan provides you with instant coverage during any emergency situation.
  • Backed by contractual obligations with quality pharmacies and doctors, medical savings health plans let you enjoy up to 50% discount on doctor's visits and prescription drugs. This way, you no longer need to get bogged down by spiralling medical costs.

 

  • Such medical plans can also help you enjoy considerable savings on surgery costs, check-ups, hospital stays, blood tests, x-rays, and much more.

Pitfalls

Some dishonest merchants posing as real insurance agents or providers may lure unsuspecting people into buying medical savings health plans that provide non-realistic promises of discounts. Such scam plans often substitute non suitable generic drugs for branded drugs and do nothing more. So, you should beware of such medical heath plans that simply exchange one problem for another and don’t really help you manage your healthcare expenses.

Conclusion

Make an informed decision to select the most reliable and guaranteed health plan, which can help you save a lot on your medical bills.  

 

Choosing the right health insurance

Choosing the Right Health Insurance Stressfree

Too often one feels rushed into buying health insurance & end up choosing the wrong plan for them. Know the facts before making a selection.

 Health Insurance Companies

In today’s age of information overload where a deluge of private, public, and community programs are available to meet your healthcare coverage needs, it really becomes a daunting task to sift through all the available information and select the one that best suits your needs and budget. This is why finding affordable health insurance companies become important. Since no two plans are the same, you need to get a quote from multiple companies, compare the rates and other factors before selecting one.
Picture: Decision making” Finding Health Insurance can be very stressful”

Pitfalls of choosing in a hurry

In their hurry, people often end up choosing the first plan that they come across, or select plans that they later find doesn’t cover a sudden major medical expense. To avoid such pitfalls, you should invest in comprehensive and affordable health insurance from reputed health insurance companies. Remember – your health is your most important personal asset, and you shouldn’t leave yourself to the mercy of fate. 
 Steer clear of detrimental situations by seeking clear, professional advice from reliable and reputed insurers and agents of insurance companies. You can also opt for guaranteed health insurance plans that offer pre existing health insurance coverage in case your claim for a standard health insurance is denied.

Choosing the right insurance company: Things to know

Picture: Couple on computer “Finding Health Insurance should be a stress free task. Let us do the hard work”

In order to choose the right insurance company and the ideal health insurance plan, you should have adequate knowledge about:

  • Your rights and consumer protection
  • Available insurance choices (like PCIP - Pre-Existing Condition Insurance Plan, Young Adult Coverage, CO-OP Insurance Plans and Affordable Insurance Exchanges – the last two being about to start from 2014 under the Affordable Care Act)
  • Insurance costs
  • Tax credits and new programs available to organizations and businesses

Knowing about your choices as a consumer, and knowledge about rules and regulations that hold insurance companies accountable will help you select the right insurance company and affordable health insurance plans that meet your needs.