HEALTH INSURANCE AND HEALTH CARE
BY: MIKE YEAGER
health insurance is something that everyone
needs today. the rising cost of visiting a
HEALTH CARE PROVIDER OR A HOSPITAL STAY MAKES IT
imperative that everyone have some type of
health care coverage. government statistics
ESTIMATE THAT OVER 40 MILLION PEOPLE IN AMERICA
are not covered by any type of health insurance
on any given day. that's an enormous number of
PEOPLE WHO REALLY ARE TAKING A FINANCIAL RISK.
EVEN IF YOU'RE ON A TIGHT, LIMITED BUDGET, IT'S
very important that you pick up some kind of
affordable health insurance. even if you only
HAVE A PLAN THAT COVERS UNEXPECTED
hospitalization, your peace of mind will be
greatly enhanced. keep in mind that a
CATASTROPHIC HEALTH INSURANCE POLICY CAN COME
with a high deductible before their coverage
kicks in. they don't pick up the cost of
PREVENTIVE PHYSICIAN VISITS OR EMERGENCY ROOM
visits to get a few stitches.
some questions to ask when considering
affordable health insurance.
1) can your and/or your family afford to pay all
your medical expenses if you're sick or injured?
2) how much is the deductible?
3) HOW MUCH ARE THE PREMIUMS?
WITH A LITTLE SEARCHING AND COMPARISON SHOPPING
you find the best rate for your personal
affordable health insurance.
ABOUT THE AUTHOR:
mike yeager
author/publisher
HTTP://WWW.A1-HEALTHINSURANCE-4U.COM/ [2]
CIRCULATED BY ARTICLE EMPORIUM [3]
------------------------------------------------
Saturday, August 29, 2009
Sunday, August 23, 2009
Keeping Your Individual Medical Care insurance Payments Down by Alston J. Balkcom
Your family's costs for medical care insurance and the typical bills for healthcare insurance in your area can be quite different. There are several factors have an influence what you pay for coverage. Some rating factors are within your control and some are not.
The primary factors that affect your price for private healthcare insurance are:
your age
your gender
your zip code
your smoking status
your medical care history
your weight
your chosen carrier
your choice of policy and options
Age and Sex
Age and your sex are important factors that may impact your bills for medical care insurance. The older we are the more likely we are to need medical care. Since women carry most of the load when it comes to creating the next generation, they visit doctors much more often than men during their teens through their fifties.
Your Zip Code
Your location can impact the cost of your healthcare coverage. As a general rule, the more affluent the area, the more physicians will charge. This impacts the amount of payments the insurance carrier pays and of course these expenses are passed on to their policy holders who reside in those locations.
Use of Tobacco
Most individual health care insurance companies will penalize you if you have smoked in the previous 12 months. Tobacco use has a major influence on your morbidity and because of it the costs a healthcare insurance company has to pay. Now you have one more reason to quit.
Health Status and Weight
Your health history and your body mass index (basically your height to weight ratio) are very important regarding not only the cost of your private health care insurance plan, but also your chance of being denied health coverage. Insurance companies do not have crystal balls, but they are experts at analyzing numbers and trends. Men and women in various weight ranges have predictably different health care costs.
It is not possible to predict what will happen to one individual, but when they look at big groups of people, they see definite patterns. They have a very good idea regarding which health conditions are most likely to cost them the most and will do what they can to keep their company profitable. It can mean that they will reject an application. They can also add a surcharge and/or eliminate coverage for a particular disease.
Exercise and enjoying a healthy lifestyle may lower your price for your health insurance plan and extend the time you get to enjoy your life. Many health conditions are beyond our control, but many are controllable. Regular physicals, eating well, stress management and a myriad of other factors that are within your control can help you keep your medical bills lower. You probably have more control over your health than you give yourself credit for.
Choosing the Right Carrier and Plan
Shopping around is important when it comes to health care insurance. One insurance carrier may charge much less than the average price for health insurance in your area and another may cost much more than the average. The company that has the best premium for twenty year olds may not be the same insurance company that offers the best premium for those in their forties.
You'll probably discover the same variance when it comes to other deductible ranges. The insurance company that has the best low-deductible co-pay PPO could have the highest premiums for an HDHP HMO policy.
Catastrophic Plans and HSAs are great low cost options. They may seem to provide much less coverage. However, when you consider all the benefits and all the costs, you may discover that these policies are the best low cost option for you.
Conclusion
Some factors can't be controlled. However, many are within our control.
When you are thinking about new places to live and the places are in different counties or even zip codes, you may want to get quotes for the insurance premiums associated with each location. You may want to investigate smoking cessation systems or weight management programs and find a system that will work for you. You should shop for the best combination of price and benefits; different companies charge differently for similar plans.
You don't have to contact all the companies that service your area, you can work with an insurance agent who is appointed with the various carriers in your area. Finally, be open to higher deductible insurance plans. Most people's overall expenses will be lower if they pay for the small things out of their pocket and let the insurance carrier pay for the bigger items.
About the Author
Alston J. Balkcom has been an insurance agent since 1985. He now has several websites that help consumers find Ohio health insurance quotes and insurance estimates in other parts of the US.
The primary factors that affect your price for private healthcare insurance are:
your age
your gender
your zip code
your smoking status
your medical care history
your weight
your chosen carrier
your choice of policy and options
Age and Sex
Age and your sex are important factors that may impact your bills for medical care insurance. The older we are the more likely we are to need medical care. Since women carry most of the load when it comes to creating the next generation, they visit doctors much more often than men during their teens through their fifties.
Your Zip Code
Your location can impact the cost of your healthcare coverage. As a general rule, the more affluent the area, the more physicians will charge. This impacts the amount of payments the insurance carrier pays and of course these expenses are passed on to their policy holders who reside in those locations.
Use of Tobacco
Most individual health care insurance companies will penalize you if you have smoked in the previous 12 months. Tobacco use has a major influence on your morbidity and because of it the costs a healthcare insurance company has to pay. Now you have one more reason to quit.
Health Status and Weight
Your health history and your body mass index (basically your height to weight ratio) are very important regarding not only the cost of your private health care insurance plan, but also your chance of being denied health coverage. Insurance companies do not have crystal balls, but they are experts at analyzing numbers and trends. Men and women in various weight ranges have predictably different health care costs.
It is not possible to predict what will happen to one individual, but when they look at big groups of people, they see definite patterns. They have a very good idea regarding which health conditions are most likely to cost them the most and will do what they can to keep their company profitable. It can mean that they will reject an application. They can also add a surcharge and/or eliminate coverage for a particular disease.
Exercise and enjoying a healthy lifestyle may lower your price for your health insurance plan and extend the time you get to enjoy your life. Many health conditions are beyond our control, but many are controllable. Regular physicals, eating well, stress management and a myriad of other factors that are within your control can help you keep your medical bills lower. You probably have more control over your health than you give yourself credit for.
Choosing the Right Carrier and Plan
Shopping around is important when it comes to health care insurance. One insurance carrier may charge much less than the average price for health insurance in your area and another may cost much more than the average. The company that has the best premium for twenty year olds may not be the same insurance company that offers the best premium for those in their forties.
You'll probably discover the same variance when it comes to other deductible ranges. The insurance company that has the best low-deductible co-pay PPO could have the highest premiums for an HDHP HMO policy.
Catastrophic Plans and HSAs are great low cost options. They may seem to provide much less coverage. However, when you consider all the benefits and all the costs, you may discover that these policies are the best low cost option for you.
Conclusion
Some factors can't be controlled. However, many are within our control.
When you are thinking about new places to live and the places are in different counties or even zip codes, you may want to get quotes for the insurance premiums associated with each location. You may want to investigate smoking cessation systems or weight management programs and find a system that will work for you. You should shop for the best combination of price and benefits; different companies charge differently for similar plans.
You don't have to contact all the companies that service your area, you can work with an insurance agent who is appointed with the various carriers in your area. Finally, be open to higher deductible insurance plans. Most people's overall expenses will be lower if they pay for the small things out of their pocket and let the insurance carrier pay for the bigger items.
About the Author
Alston J. Balkcom has been an insurance agent since 1985. He now has several websites that help consumers find Ohio health insurance quotes and insurance estimates in other parts of the US.
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