Canada Health Insurance For Newcomers

When arriving in Canada, one of the most important things a newcomer needs to do is acquire health insurance. In most provinces you will receive coverage as soon as you apply, but many immigrants do not realize that national health care is not always available on the first day they arrive. Provinces such as British Columbia, Ontario, Quebec and New Brunswick, require that immigrants wait at least three months before they are eligible to receive health plan benefits. After arriving in Canada it is important to apply for your health insurance card. If you are immigrating to a province that has a three month waiting period, you should purchase private, short-term health-care insurance.

If you reside in a province that does not require a three month waiting period, each member of your family must have their own health card. You can obtain an application form from the provincial health ministry office, hospital, doctor’s office, or a pharmacy. To apply for a health card, you will need your passport, Confirmation of Permanent Residence (IMM 5292) or birth certificate. Health care services will only be offered to people who have their own names on the health card that they provide. Immigrant organizations are available to help with filling with out application forms

If you are living in a province that requires a three month waiting period, you can purchase a private, short-term health-care insurance plan. Private health plans provide comprehensive coverage for a variety of health conditions and medical emergencies. There are plans that can be purchased before you arrive in Canada. If you purchase insurance from your originating country, read the policy carefully to make sure you are still covered once you arrive in Canada.

Canada’s national health care system does not cover dental care but there are private plans that will cover dental procedures. It is important to make sure your family members are also covered. Some insurance companies have stipulations for buying private health insurance that may include a standard deadline to apply for insurance after arriving in Canada. The cost of health care coverage depends on the insurance provider you choose, health history, the type of insurance package, and your age and your dependent’s ages. Some insurers may have specific conditions attached to particular insurance plans.

Most private health insurance plans include extended health care benefits such as prescription drugs, medical supplies, hearing aids, vision care, hospital rooms, and complementary health services such as chiropractic and registered massage therapy. They can also cover dental plans, disability income, critical illness coverage, travel insurance, and accidental death and dismemberment benefits.

For more information about obtaining private health insurance and different health plans private health insurers provide, you can contact the Consumer Assistance Centre of the Canadian Life and Health Insurance OmbudService (CLHIO). In Ontario, Settlement.org provides the Guide to Supplementary Health Insurance booklet that helps newcomers understand health insurance. The booklet is also helpful when newcomers are deciding which health plan will meet their needs. Settlement.org also provides a list of companies that provide private health insurance. Insurance brokers are an alternative to insurance companies. Because brokers represent several different health insurance companies and have access to different plans, they are often able to provide more choices and a better price.

Acquiring a health care plan is an essential part of settling in Canada. In case of an emergency, it is important to have the right health insurance plan that meets you and your family’s needs. With all of the new experiences waiting for you, having proper health care is one less issue that you and your family will have to worry about.

Full service insurance offers personal and corporate solutions. When looking for the best protection and information on Travel Insurance and Health Insurance Canada options.

Getting Health Insurance in Texas With a Pre-existing Condition

It can be difficult to get health insurance in Texas if you have a pre-existing condition. In fact, there are some health insurance companies that will not take you if you put that on your insurance application. Or, if you are accepted for health insurance, you will have to pay more because the health insurance company is taking a risk on providing you with health coverage.

There is something you can do to get health insurance in Texas. There is a group called the Texas Health Insurance Risk Pool, otherwise known as the Texas Health Pool, which can provide health insurance in Texas. This Health Pool is mainly for those who are having a difficult time securing health insurance. This pool also insures those that have a pre-existing condition.

You should note that with this health insurance alternative, you can be charged up to two times the normal rate of individual health insurance. One, because there are not a lot of resources like this in the state. Second, because the pool knows that there are not a lot of resources that would easily provide insurance coverage to the uninsurable; they have found a niche here. So, they know that since this group of people doesn’t have much of a choice for getting health insurance in Texas elsewhere, that they will have to join the pool.

The Texas Health pool insurance coverage is used for inpatient hospital admissions, doctor visits and prescription drugs. In addition to that, this health insurance in Texas will pay for mental illness situations (serious ones); However, one exclusion of this state coverage is the pool will not provide coverage for chemical dependency issues.

In order to get health insurance coverage in Texas for this, you must be defined as eligible according to the guidelines of the federal government. You must also have been denied health insurance coverage or related insurance coverage because of your health
(pre-existing condition).

You can be eligible by being a dependent of someone that already has health insurance in Texas through the Texas health pool. You can also be eligible if you have a medical issue that will guarantee your eligibility of health insurance coverage into the health pool. A health insurance agent would have to certify that you are not able to get health care coverage through one of the traditional health insurance companies because of your medical issues.

It’s important that even though your pre-existing condition may prevent you from getting health insurance in Texas, that there is a way around that. Everyone needs health insurance, if for nothing else than going to the doctor. Not begin able to go to the doctor because of no insurance can be frustrating, to say the least. It’s important that the state of Texas has this program designed so that those with pre-existing conditions can be able to get quality care just like those that have the traditional health insurance. The health pool was probably one of the best things that could have happened for the state of Texas as far as health insurance is concerned.

This article about Texas Health Insurance is brought to you by Texas Health and Jordan FeRoss. You need to check out their website: Health Insurance in Texas for really neat health care advice!

Personal Health Records–Who Are the Key PHR Providers and How Are They Handling Laboratory Results?

Several significant events have driven public and industry interest in personal health records. In 2004, President George W. Bush outlined a plan for the implementation of an electronic health record that could be accessed by all Americans. Although numerous companies had been in this market for several years, the announcement provided impetus for growth in this area. In 2007 and early 2008, computer giants Google and Microsoft announced their intentions to enter into this market, Google with Google Health and Microsoft with Microsoft HealthVault.

In March of 2008, laboratory industry leader Quest Diagnostics announced a partnership with Google Health to provide uploading of laboratory testing to Google’s version of a personal health record (PHR).

The U.S. Department of Health and Human Services cites six positive outcomes with the implementation of widespread personal and/or electronic health records.

1. Improved healthcare quality
2. Prevention of medical errors
3. Reduction of healthcare costs
4. Increased administrative efficiencies
5. Decreased paperwork
6. Expanded access to affordable healthcare

Although there are a number of potential barriers to widespread implementation of personal health records, three are the most significant. They are:

1. Interoperability. The various systems need to be able to interact with each other and various computer systems.

2. Privacy and Security. The systems need to provide HIPAA-like compliance, but also have security measures similar to the banking industry and in compliance with a variety of industry standards.

3. Data Modification. In order for physicians to be able to act on medical information, they will need to be confident of the veracity of the medical data. This will at least partly require that they be able to determine the sources and modifications that have occurred to the information in personal health records.

Although there are a number of companies currently in the marketplace offering personal health records, they fall into four broad categories.

1. Standalones. These companies are primarily personal health record companies, such as LifeOnKey or FollowMe. In some cases these companies also specialize or have specialty subcategories, such as MiVia, which was designed for the migrant farmworker population, or LifeOnKey’s Diabetes focus or Women’s Health focus.

2. Spin-Offs of Information Technology or Software Companies. Most notable in this category are Google Health and Microsoft HealthVault.

3. Healthcare Providers. Examples of this are Partners HealthCare’s Patient Gateway and the Group Health Cooperative’s MyGroupHealth.

4. Platform Providers. In some cases, the companies are focused less on being the patient/consumer’s personal health record, than in providing the platform and/or technology for personal health records. MedCommons is an example of this. Microsoft HealthVault may also fall into this category. FollowMe also is willing to customize their product for other companies, which then provide their own branding.

There are five ways personal health record providers are generating revenue.

1. Subscriptions. Typically, standalone PHR providers charge nominal annual subscription rates ranging from about $ 25 to $ 50.

2. Advertising. Google Health and Microsoft HealthVault indicate they will generate income via advertising. It’s not yet clear how Microsoft intends to do this, but Google Health has indicated that their product itself will not contain advertising, but will have search boxes that connect to the traditional Google page, which does have targeted advertising.

3. Data mining. Although often mentioned as a possible source of revenue, few companies indicate they are currently selling non-user-identified health data to researchers or pharmaceutical companies.

4. Increased Service. Healthcare providers, in general, acknowledge that their personal health record systems are just part of the service and a happy client will remain with the system. Google Health indicates they aren’t in the healthcare business and part of their mission is to drive users to Google.

5. Subcontracting and licensing. MedCommons is focusing on providing their services and platform technology for other users and companies that might want to deliver personal health records. It’s not clear if Microsoft HealthVault plans to enter the market in this fashion, but many industry sources suggest it’s likely.

Ultimately, what is clear from looking at a cross-section of PHR providers is that there are a number of approaches to dealing with laboratory results depending on the nature of the PHR. Google Health has recently announced a partnership with Quest Diagnostics.

This is likely to be the first in a number of similar relationships with other laboratory corporations. The real question, one that remains unaddressed yet, is whether competing labs will create partnerships with Google Health and other PHRs or whether it will become an exclusive and competitive marketplace, where some PHRs will find their services locked out of the market.

Another potential question is whether or not a laboratory, independent or affiliated with a particular healthcare provider, is going to be able to provide data uploads to a myriad of different PHRs. Although largely a technical issue, it’s hard to see how a laboratory needing to provide results to twenty or thirty different PHRs in addition to requesting physicians and patients, is going to make laboratory medicine more efficient or cost-effective.

PHRs Gain Momentum
In his January 20, 2004, State of the Union Address, President George W. Bush outlined a plan for the implementation of an electronic health record that could be accessed by all Americans. The system was to be in place by 2015. According to the White House Web site, patient participation would be voluntarily, and “these electronic health records will be designed to share information privately and securely among and between health care providers when authorized by the patient.”

To achieve that goal, the following steps were taken:

1. Health Information Standards were adopted. Under the direction of the Department of Health and Human Services, in cooperation with other Federal agencies and the private sector, voluntary standards were to be identified and endorsed.

2. Health Care Information Technology Demonstration Project funding was increased to $ 100 million.

3. Federal agencies were encouraged to adopt Health Information Technology.

4. A sub-cabinet level position of National Health Information Technology Coordinator was created. This falls under the Office of the National Coordinator for Health Information Technology, part of the Department of Health and Human Services.

It’s important to note that the Bush Administration’s proposal did not break new ground. Numerous companies providing personal health records (PHR), medical health records, and electronic health records or some way of storing and delivering medical information electronically were in existence for several years prior to the Bush Administration’s efforts.

The announcement of launches into the health information technology (HIT) arena by Google and Microsoft has renewed media interest in the area, and may signal a renewed velocity and vigor to the market.

Mark Terry is a staff writer for Washington G2 Reports and author of Lab Industry Strategic Outlook: Market Trends & Analysis 2007 and several other Washington G2 Reports publications. Learn more about Washington G2 Reports.

Is Health Insurance Right For You?

Health insurance you are lucky you have health insurance. Similarly-crafted policies need to also address the growing number of workers in contract, freelance, self-employed, and full-time positions, in which benefits are self-provided through individual health insurance plans. Do not assume that any health insurance through your employer will be good enough for you.

What is ‘high risk health insurance’? Health insurance is for ill-health issues. Unfortunately, unless prescribed to treat a hernia or for other medically necessary reasons, tummy tucks generally aren’t covered by health insurance.

Why buy health insurance you do not use. Ask your regular passengers about their own health insurance policies and its coverage. High cost – it is not covered by health insurance schemes as it’s considered a cosmetic.

In most states, insurance companies which offer small group health insurance plans are required to accept any employer group of two to 50 employees provided the employer agrees to insure 100% of the eligible employees. Choosing a health insurance policy that covers you well can be complex.

Taking out international health insurance, be it for business or pleasure, while travelling abroad is a good idea, though not compulsory, most travel operators do insist on some kind of insurance as part of their holiday product.

Ask about the limitations of the health insurance coverage as well as the deductibles, when health insurance premiums inch up, why is passing the cost onto the employees the best solution. Most consumers can attest to the fact that rising health insurance costs, gas prices, education fees, rent and mortgages costs are taking a toll on the best of us.

Obtaining Florida health insurance quotes this way is as easy as it gets. Since health insurance does not cover cosmetic surgery, you need to figure out how to pay for it. How to pick a good health insurance company call their customer service with as many questions as you can think of and see how they handle it.

Essentially, the companies demand the doctor take less than the normal fee, much as health insurance companies do with most medical professionals. Most employers – especially those with fewer employees – have strong reasons to avoid taking on the health insurance burden. Account holders can contribute more funds HSA contributions are no longer limited by the deductible of the health insurance policy.

As a society, we don’t expect this in private-market auto insurance, but we expect it in private-market health insurance. The struggle to offer employees affordable group health insurance coverage is an ongoing process for most employers in today’s health insurance market. The knock on effect means that as almost everything is covered, PMI can work out more expensive than basic health insurance such as cash plans.

Take the example of a growing doctor’s office: As expenses rise with patient-load increases, you accrue more outstanding cash, particularly before receiving reimbursement from the health insurance payers. Now we come to what I believe is one of the biggest problems from a health insurance agent’s point of view, which is the inability for persons with pre-existing health conditions to obtain coverage. I did have my health insurance to pay for most medical expenses, but it did not cover alternative therapies.

We offer a unique and innovative suite of individual health insurance solutions, including highly competitive HSA-qualified plans, and an unparalleled ‘real time’ application and acceptance experience. Studies have shown that a solid majority (over 60%) of Americans receive health insurance benefits via group health insurance coverage through their employer (or their spouse’s employer).

Uchenna Ani-Okoye is an internet marketing advisor and co founder of Free Affiliate Programs

For more information and resource links on health insurance visit: Health Insurance Ratings

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Buyers Guide For Individual Health Insurance

Let’s Begin

You know how important it is to have health coverage when you you have been sick or injured. But if you’re confused about what kind is best for you, you’re not alone.

If your employer offers you a choice of health plans, what should you know before making a decision? What types of health coverage are available? In addition to coverage for medical expenses, do you need some other kind of insurance? What if you are too ill to work? Or, if you are over 65,will Medicare pay for all your medical expenses?

These are questions that today’s consumers are asking; and these questions aren’t necessarily easy to answer.

This booklet should help. It discusses the basic forms of health coverage and includes a checklist to help you compare plans. It answers some commonly asked questions and also includes thumbnail descriptions of other forms of health insurance, including hospital-surgical policies, specified disease policies, catastrophic coverage, hospital indemnity insurance, and disability, long-term care, and Medicare supplement insurance.

While we know that our guide can’t answer all your questions, we think it will help you make the right decisions for yourself, your family, and even your business.

Making Sense of Health Insurance

The term health insurance refers to a wide variety of insurance policies. These range from policies that cover the costs of doctors and hospitals to those that meet a specific need, such as paying for long-term care. Even disability insurance – which replaces lost income if you can’t work because of illness or accident – is considered health insurance, even though it’s not specifically for medical expenses

But when people talk about health insurance, they usually mean the kind of insurance offered by employers to employees, the kind that covers medical bills, surgery, and hospital expenses. You may have heard this kind of health insurance referred to as comprehensive or major medical policies, alluding to the broad protection they offer. But the fact is, neither of these terms is particularly helpful to the consumer.

Today, when people talk about broad health care coverage, instead of using the term “major medical,” they are more likely to refer to fee-for-service or managed care. These terms apply to different kinds of coverage or health plans. Moreover, you’ll also hear about specific kinds of managed care plans: health maintenance organizations or HMOs, preferred provider organizations or PPOs, and point-of-service or POS plans.

While fee-for-service and managed care plans differ in important ways, in some ways they are similar. Both cover an array of medical, surgical, and hospital expenses. Most offer some coverage for prescription drugs, and some include coverage for dentists and other providers. But there are many important differences that will make one or the other form of coverage the right one for you.

The section below is designed to acquaint you with the basics of fee-for-service and managed care plans. But remember: The detailed differences between one plan and another can only be understood by careful reading of the materials provided by insurers, your employee benefits specialist, or your agent or broker.

Fee-for-Service

This type of coverage generally assumes that the medical provider (usually a doctor or hospital) will be paid a fee for each service rendered to the patient – you or a family member covered under your policy. With fee-for-service insurance, you go to the doctor of your choice and you or your doctor or hospital submits a claim to your insurance company for reimbursement. You will only receive reimbursement for “covered” medical expenses, the ones listed in your benefits summary.

When a service is covered under your policy, you can expect to be reimbursed for some, but generally not all, of the cost. How much you will receive depends on the provisions of the policy on coinsurance and deductibles. Here’s how it works:

The portion of the covered medical expenses you pay is called “coinsurance.” Although there are variations, fee-for-service policies often reimburse doctor bills at 80 percent of the “reasonable and customary charge.” (This is the prevailing cost of a medical service in a given geographic area.) You pay the other 20 percent – your coinsurance. However, if a medical provider charges more than the reasonable and customary fee, you will have to pay the difference. For example, if the reasonable and customary fee for a medical service is $ 100, the insurer will pay $ 80. If your doctor charged $ 100, you will pay $ 20. But if the doctor charged $ 105, you will pay $ 25. Note that many fee-for-service plans pay hospital expenses in full; some reimburse at the 80/20 level as described above.

Deductibles are the amount of the covered expenses you must pay each year before the insurer starts to reimburse you. These might range from$ 100 to $ 300 per year per individual, or $ 500 or more per family. Generally, the higher the deductible, the lower the premiums, which are the monthly, quarterly, or annual payments for the insurance. Policies typically have an out-of-pocket maximum. This means that once your expenses reach a certain amount in a given calendar year, the reasonable and customary fee for covered benefits will be paid in full by the insurer. (If your doctor bills you more than the reasonable and customary charge, you may still have to pay a portion of the bill.) Note that Medicare limits how much a physician may charge you above the usual amount. There also may be lifetime limits on benefits paid under the policy. Most experts recommend that you look for a policy whose lifetime limit is at least $ 1 million. Anything less may prove to be inadequate.

Managed-Care

The major types of managed care plans are health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point-of-service (POS) plans.

Managed care plans generally provide comprehensive health services to their members, and offer financial incentives for patients to use the providers who belong to the plan. In managed care plans, instead of paying separately for each service that you receive, your coverage is paid in advance. This is called prepaid care.

For example, you may decide to join a local HMO where you pay a monthly or quarterly premium. That premium is the same whether you use the plan’s services or not. The plan may charge a copayment for certain services – for example, $ 10 for an office visit, or $ 5 for every prescription. So, if you join this HMO, you may find that you have few out-of-pocket expenses for medical care – as long as you use doctors or hospitals that participate in or are part of the HMO. Your share may be only the small copayments; generally, you will not have deductibles or coinsurance.

The interesting things about HMOs is that they deliver care directly to patients. Patients sometimes go to a medical facility to see the nurses and doctors or to a specific doctor’s office. Another common model is a network of individual practitioners. In these individual practice associations (IPAs), you will get your care in a physician’s office.

If you belong to an HMO, typically you must receive your medical care through the plan. Generally, you will select a primary care physician who coordinates your care. Primary care physicians may be family practice doctors, internists, pediatricians, or other types of doctors. The primary care physician is responsible for referring you to specialists when needed. While most of these specialists will be “participating providers” in the HMO, there are circumstances in which patients enrolled in an HMO may be referred to providers outside the HMO network and still receive coverage.

PPOs and POS plans are categorized as managed care plans. (Indeed, many people call POS plans “an HMO with a point-of-service option.”) From the consumer’s point of view, these plans combine features of fee-for-service and HMOs. They offer more flexibility than HMOs, but premiums are likely to be somewhat higher.

With a PPO or a POS plan, unlike most HMOs, you will get some reimbursement if you receive a covered service from a provider who is not in the plan. Of course, choosing a provider outside the plan’s network will cost you more than choosing a provider in the network. These plans will act like fee-for-service plans and charge you coinsurance when you go outside the network.

What is the difference between a PPO and a POS plan? A POS plan has primary care physicians who coordinate patient care; and in most cases, PPO plans do not. But there are exceptions!

HMOs and PPOs have contracts with doctors, hospitals, and other providers. They have negotiated certain fees with these providers – and, as long as you get your care from these providers, they should not ask you for additional payment. (Of course, if your plan requires a copayment at the time you receive care, you will have to pay that.)

Always look carefully at the description of the plans you are considering for the conditions of payment. Check with your employer, your benefits manager, or your state department of insurance to find out about laws that may regulate who is responsible for payment.

Self-insured Plans

Your employer may have set up a financial arrangement that helps cover employees’ health care expenses. Sometimes employers do this and have the “health plan” administered by an insurance company; but sometimes there is no outside administrator. With self-insured health plans, certain federal laws may apply. Thus, if you have problems with a plan that isn’t state regulated, it’s probably a good idea to talk to an attorney who specializes in health law.

Appropriate Care

HMOs, PPOs, and fee-for-service plans often share certain features, including pre authorization, utilization review, and discharge planning.

For example, you may be asked to get authorization from your plan or insurer before admission to a hospital for certain types of surgery. Utilization review is the process by which a plan determines whether a specific medical or surgical service is appropriate and/or medically necessary. Discharge planning is an approach that facilitates the transfer of a patient to amore cost-effective facility if the patient no longer needs to stay in the hospital. For example, if, following surgery, you no longer need hospitalization but cannot be cared for at home, you may be transferred to a skilled nursing facility.

Almost all fee-for-service plans apply managed care techniques to contain costs and guarantee appropriate care; and an increasing number of managed care plans contain fee-for-service elements. While the distinctions among plans are growing increasingly blurred, the number of options available to consumers increases every day.

How Do I Get Health Coverage?

Health insurance is generally available through groups and to individuals. Premiums – the regular fees that you pay for health insurance coverage – are generally lower for group coverage. When you receive group insurance at work, the premium usually is paid through your employer.

Group insurance is typically offered through employers, although unions, professional associations, and other organizations also offer it. As an employee benefit, group health insurance has many advantages. Much – although not all – of the cost may be borne by the employer. Premium costs are frequently lower because economies of scale in large groups make administration less expensive. With group insurance, if you enroll when you first become eligible for coverage, you generally will not be asked for evidence that you are insurable. (Enrollment usually occurs when you first take a job, and/or during a specified period each year, which is called open enrollment.) Some employers offer employees a choice of fee-for-service and managed care plans. In addition, some group plans offer dental insurance as well as medical.

Individual insurance is a good option if you work for a small company that does not offer health insurance or if you are self-employed. Buying individual insurance allows you to tailor a plan to fit your needs from the insurance company of your choice. It requires careful shopping, because coverage and costs vary from company to company. In evaluating policies, consider what medical services are covered, what benefits are paid, and how much you must pay in deductibles and coinsurance. You may keep premiums down by accepting a higher deductible.

Pre-existing Conditions

Many people worry about coverage for preexisting conditions, especially when they change jobs. The Health Insurance Portability and Accountability Act (HIPAA) helps assure continued health insurance coverage for employees and their dependents. Starting July 1, 1997, insurers could impose only one 12-month waiting period for any preexisting condition treated or diagnosed in the previous six months. Your prior health insurance coverage will be credited toward the preexisting condition exclusion period as long as you have maintained continuous coverage without a break of more than 62 days. Pregnancy is not considered a preexisting condition, and newborns and adopted children who are covered within 30 days are not subject to the 12-monthwaiting period.

If you have had group health coverage for two years, and you switch jobs and go to another plan, that new health plan cannot impose another preexisting condition exclusion period. If, for example, you have had prior coverage of only eight months, you may be subject to a four-month, preexisting condition exclusion period when you switch jobs. If you’ve never been covered by an employer’s group plan, and you get a job that offers such coverage, you may be subject to a 12-month, preexisting condition waiting period.

Federal law also makes it easier for you to get individual insurance under certain situations, including if you have left a job where you had group health insurance, or had another plan for more than 18 months without a break of more than 62 days.

If you have not been covered under a group plan and have found it difficult to get insurance on your own, check with your state insurance department to see if your state has a risk pool. Similar to risk pools for automobile insurance, these can provide health insurance for people who cannot get it elsewhere.

What Is Not Covered?

While HMO benefits are generally more comprehensive than those of traditional fee-for-service plans, no health plan will cover every medical expense.

Very few plans cover eyeglasses and hearing aids because these are considered budgetable expenses. Very few cover elective cosmetic surgery, except to correct damage caused by a covered accidental injury. Some fee-for-service plans do not cover checkups. Procedures that are considered experimental may not be covered either. And some plans cover complications arising from pregnancy, but do not cover normal pregnancy or childbirth.

Health insurance policies frequently exclude coverage for preexisting conditions, but, as explained, federal law now limits exclusions based on such conditions.

You should also remember that insurers will not pay duplicate benefits. You and your spouse may each be covered under a health insurance plan at work but, under what is called a “coordination of benefits” provision, the total you can receive under both plans for a covered medical expense cannot exceed 100 percent of the allowable cost. Also note that if neither of your plans covers 100 percent of your expenses, you will only be covered for the percentage of coverage (for example, 80 percent) that your primary plan covers. This provision benefits everyone in the long run because it helps to keep costs down.

A Final Word

If you get health care coverage at work, or through a trade or professional association or a union, you are almost certainly enrolled under a group contract. Generally, the contract is between the group and the insurer, and your employer has done comparison shopping before offering the plan to the employees. Nevertheless, while some employers only offer one plan, some offer more than one. Compare plans carefully!

If you are buying individual insurance, or any form of insurance that you purchase directly, read and compare the policies you are considering before you buy one, and make sure you understand all of the provisions. Marketing or sales literature is no substitute for the actual policy. Read the policy itself before you buy.

Ask for a summary of each policy’s benefits or an outline of coverage. Good agents and good insurance companies want you to know what you are buying. Don’t be afraid to ask your benefits manager or insurance agent to explain anything that is unclear.

It is also a good idea to ask for the insurance company’s rating. The A.M. Best Company, Standard & Poor’s Corporation, and Moody’s all rate insurance companies after analyzing their financial records. These publications that list ratings usually can be found in the business section of libraries.

And bear in mind: In some cases, even after you buy a policy, if you find that it doesn’t meet your needs, you may have 30 days to return the policy and get your money back. This is called the “free look.”

Before you buy health insurance, make sure you check John Millets’ excellent Individual Buyers Guide For Individual Health Insurance.

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Thinking Of Getting Health Insurance?

When comparing individual health insurance quotes in the marketplace it is very important that you are comparing plans that have similar policy benefits.

Ask about the limitations of the health insurance coverage as well as the deductibles. Additionally, 14 percent of Ohio residents under the age of sixty-five did not have health insurance during 2005.

Unlike most of your employed counterparts, there is no employer subsidy for your health insurance. Contacting a benefits insurance broker whenever you call or email a health insurance broker, it is very important to prepare ahead of time.

We also find ourselves more stressed about finances and frustrated about escalating health insurance premiums, greater deductibles, larger co-pays and higher taxes.

How much better can it get for those with no health insurance? We offer a unique and innovative suite of individual health insurance solutions, including highly competitive HSA-qualified plans, and an unparalleled ‘real time’ application and acceptance experience. They are responsible for paying their own taxes, and you no longer have to pay for health insurance.

Private health insurance should not be confused with permanent health insurance, which is something completely unrelated to medical costs and which pays out an income if you become permanently ill. It was our decision to write so much on health insurance after finding out that there is still so much to learn on health insurance. A recent study showed that 74 percent of standard workers have health insurance through their jobs, compared to only 21 percent of non-standard workers.

Many folks also believe that long term care is covered by health insurance and/or Medicare. This can be car insurance, gas, transportation, health insurance, food, etc. Health insurance portability & accountability act ensures complete security of digital health information that includes – secure storage system and secure transmission of digital information over the Internet.

If you’re interested in premium individual health insurance preferred provider plan at affordable rates, created specifically for young, healthy individuals, you should take a look at precedent.

One business man predicts that if nothing is done and the health insurance premiums keep increasing that in the year 2008, the amount of health premium contribution to employer will surpass their profit. The number of people that are forced to go without health insurance is nothing less than a crisis in this country today.

Voted the number one insurance portal by Florida consumers, Florida Health insurance web, reports nearly three million Floridians without health insurance in Florida. So it does not make sense for them to be paying a high premium for a traditional health insurance plan with co-pay, particularly when their medical treatments are not covered anyway.

You and your family’s health insurance needs will change as well so be sure and add or remove options and benefits to customize the plan to best fit your needs.

A health insurance lead can also be someone who is self-employed and needs to obtain coverage for themselves or their entire family. Smoking will not immediately disqualify you from being approved for health insurance but it really doesn’t help your over all cost. And managed care has capitalized further by applying the medical, disease-based model onto the practice, requiring any and all users of health insurance to declare a diagnosis worthy of treatment.

Increased premiums may drive people who fund their own health insurance out of the system by making personal insurance unaffordable. If you need to get a Florida health insurance quote there are several ways of getting started.

Uchenna Ani-Okoye is an internet marketing advisor and co founder of Free Affiliate Programs

For more information and resource links on health insurance visit: Health Insurance Ratings

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Forming A Private Purchasing Cooperative For Health Insurance In Texas

As stated by the Texas Department of Insurance, the Texas Legislature enacted three bills that allow small business employers to form cooperatives for the purchase of employer health benefit plans in Dallas, Houston and throughout Texas. All three types of cooperatives are private purchasing cooperatives under state law. Texas Insurance Code Chapter 1501, Subchapter B provides for the formation of Purchasing Cooperatives. Two of the three have special characteristics; for clarity, we will refer to the broader category as “private purchasing cooperatives.”

Who may form a cooperative?

Two or more small employers may form a small employer health coalition. Any person – other than a health carrier – may form a health group cooperative. A health carrier may assist a sponsoring entity in forming a cooperative. A health group cooperative must have at least ten participating employers.

How do I start a cooperative?

All three types of purchasing cooperatives must be formed as a nonprofit corporation. For more information on how to form a nonprofit corporation, you should consult the Texas Secretary of State, specifically the Filing Guide for Business Organizations and Non-Profit Associations.

Texas Insurance Code Chapter 1501, Subchapter B provides for the formation of Purchasing Cooperatives. Small business employers interested in assistance with forming or joining a small employer health coalition should also consider contacting their insurance agent or one of the existing small employer health coalitions. Once the cooperative has received a certificate of incorporation or certificate of authority from the Secretary of State, the cooperative must file that document and the cooperative’s organizational document with the Texas Department of Insurance. The address for filing these documents is: Filings Intake Division, Mail Code 106-1E, Texas Department of Insurance, P. O. Box 149104, Austin, Texas 78714-9104.

What Type of Cooperative Should I Form?

This decision will be based on the goals for the cooperative and the employers interested in joining. You should consult the description of the types of cooperatives available and review the statutes and regulations associated with each. Things you should consider when forming a cooperative include the potential for growth in the cooperative, the complexities associated with potential growth, interest from a carrier and a sponsoring entity in the cooperative, and carrier requirements, such as participation levels.

How Do I Join a Cooperative?

All of the cooperatives registered and listed with the Texas Department of Insurance (TDI). Contacting a cooperative in your area is the first step you should take in joining a cooperative. For certain cooperatives, there may be an annual open enrollment period, which will limit your opportunities to a certain period each year. Small employers interested in joining a cooperative should also remember that, as individual employers, they are guaranteed issuance of coverage from an insurance company or HMO that offers coverage to small employers. Similarly, a small business employer must be allowed to join a health group cooperative and purchase coverage during the next annual open enrollment period.

What Type of Cooperative Should I Join?

Various factors will influence your decision about the type of cooperative to join, including whether your company is a small or large employer, the rates offered by the cooperatives in your area, a cooperative’s administrative or membership fees, and whether a particular cooperative is accepting new members or currently enrolling new members in an open enrollment period. You should review the different types of cooperatives to determine whether a particular type offers advantages for the employer. There is also a revolutionary individual health insurance plan you can offer your employees.

Health Group Cooperative – Sub (p)

SB 805, enacted by the 79th Texas Legislature (2005), created a new type of health group cooperatives with special rights and requirements.

– Any person, other than a health carrier, may form a sub (p) health group cooperative.

– Once a sub (p) health group cooperative is formed, it must have at least ten small employer members to be eligible to purchase coverage from a health carrier that is participating in the health group cooperative market.

– A sub (p) health group cooperative is not required to allow a small employer to join the cooperative if the cooperative has elected to restrict membership in the cooperative in accordance with legal requirements, and after the small employer has joined the cooperative, the total number of eligible employees employed on business days during the preceding calendar year by all small employers participating in the cooperative would exceed 50.

– A health group cooperative must make the election to restrict membership at the time the cooperative is initially formed.

– Employers that join a sub (p) health group cooperative must commit to purchasing coverage through the cooperative for two years, but may cease purchasing coverage upon demonstrating financial hardship.

– A sub (p) health group cooperative is considered to be a single small employer for the purposes of issuance of coverage and rating. Accordingly, a health group cooperative may purchase coverage from any small employer health carrier that is not already providing coverage to a health group cooperative in that county.

– Health carriers providing coverage to a sub (p) health group cooperative may offer a health benefit plan, specifically allowed by SB 10, which does not include state mandated benefits. This freedom from state mandates is specific to SB 10, but it is similar to that which authorizes consumer choice health benefit plans.

If you have a number of temporary, part-time or seasonal employees working for you, cooperatives have a number of limitations and may not be the best health insurance option for your small business. Group health insurance can be unaffordable for many small businesses, not to mention an administrative headache. Another alternative to group health insurance plans is to offer individual health insurance options to your employees. By law, an employer is not allowed to contribute to these plans, or that would be treated as group insurance under Texas state law. But you can still help your employees become insured in a good plan and improve their health and well-being and also improve employee retention in the process.

If you’re a small business owner who would like to offer affordable health insurance plans to your employees, but can’t afford group health insurance, you should consider offering your employees the revolutionary, comprehensive individual health insurance solutions created by Precedent specifically for young, healthy individuals.

Precedent offers affordable, individual health plans with catastrophic coverage, but without a high deductible, and we’ll offer these plans to your employees at a discount. For more information, visit us at our website. We offer a unique and innovative suite of individual health insurance solutions, including highly competitive HSA-qualified plans, and an unparalleled “real time” application and acceptance experience.

Pat Carpenter writes for Precedent Insurance Company. Precedent puts a new spin on health insurance. Learn more at Precedent.com

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Health – Your Most Valuable Asset

Your health is undoubtedly your most valuable asset. So with that in mind how do you protect your health ?

Yes you probably have health insurance to look after your health if you become ill and car insurance to take car of you should your health suffer as a result of a car accident. But isn’t that paying someone else to look after your health after things go wrong ? A bit like closing the stable door after the horse has bolted ? What are you doing, or, what should you be doing to look after your health right now ?

Do you get regular health check ups ? Do you exercise & eat all the right foods that are beneficial to your health ? Do you use health care products such as health supplements ? Do you smoke, drink or take drugs ? Are you aware of how these habits affect your health ?

I’m willing to bet that you make darn sure you look after your children’s health, making sure that they are not doing anything that is going to cause long term damage to their health ? But who is watching your health ? Who’s making sure you are not doing anything to damage your health ?

Health is probably something we all take for granted & only realise how important our health is when we are ill or someone close to us is suffering from ill health. However if we all do nothing in regard to our health now, waiting until we begin to suffer from ill health & then trying to do something about it may be too late as we may have already done irreparable damage to our health. If you could do something now to prevent one of your assets diminishing, such as your bank balance, your home or your car would you ? Yes of course you would, so what about your most valuable asset, your health ?

Well it’s about time that someone took control of your health, and that someone is you ! Take control of your health now and make sure that valuable asset, your health, is well and truly looked after. Here are some suggestions that might help you to look after your health:

1. Get regular health check ups. If you have a good health insurance these are probably insisted upon. After all we all give our cars regular “health” checks, isn’t our health more important than the health of our vehicles?
2. Make sure you eat a healthy diet. Even if you don’t need to loose weight the right diet can help to improve your health.
3. Take regular exercise. 30 minutes a day at least 5 days a week, even if it’s just a couple of 15 minute strolls, that’s not to great a chore to protect a valuable asset – your health.
4. If you smoke, stop now ! This is probably the best thing you can and ever will do for the sake of your health.
5. Cut down on your alcohol intake. Stick to the recommended guidelines for sensible drinking – for your health’s sake.

John Mac is the owner of fitnessdiethealth.com a website aimed at people looking to improve their fitness diet & health

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Top Things to Know about Home Health Care Services for Seniors in NJ

Do you feel comfortable leaving your aging family member or loved one alone in your NJ home? Are you looking for a reliable home health care service such as live-in or hourly care in NJ? In this case, you will need to rely on a premier home health care service provider in NJ that can supply professional care. As per your requirements, you can hire a reliable home health care service agency in NJ that can tailor care as per the needs of your loved one.

When should you consider a reliable home health care service in NJ?
1. Facing difficulty in performing daily activities:
When you observe that your aging parents are finding it difficult performing day-to-day activities it may be the right time to hire a reliable home health care service. Perhaps they only require a few hours a day and hourly care would suffice. Or, you notice that it’s becoming unsafe at night and a live in aide would be a more appropriate level of care.

2. Not maintaining a good diet:
When it is quite obvious that your aging parents living alone will not be able to keep up with adequate nutrition needs–you may need to hire a home health aide. Not being able to shop at the grocery store or cook proper nutritious meals is a red flag for introducing extra help in the home. In these cases, getting the assistance from an experienced home health agency in NJ will help enhance your loved one’s lifestyle and daily living experience.

3. Problems in housekeeping:
When you see that your loved one living alone finds it difficult in organizing the home, keeping up finances, doing laundry and other household duties, you should consider the assistance of a dedicated home health aide.

4. Falls or accidents:
Are you often finding that your aging loved one is ending up with a falls that create small injuries like cuts, bruises and scrapes? That is a good indication that they may need assistance around-the-clock in a home setting.

What you should look for when hiring a reliable home health care service in NJ?

1. License:
It is always important to hire a home health care service provider in NJ that is licensed, insured and bonded. To make sure that your aging loved one receives professional care, and the highest levels of care, you should opt for a state licensed home health care agency.

2. Flexibility:
It is found that some seniors require care and assistance for a few hours–while others need round-the-clock supervision. In this case, you should see if the home health care service provider offers a wide variety services like hourly care, 24/hr live-in care, personal care, companion care and dementia care, which can be tailored to your requirements.

3. Certified and experienced home health aides:
A friendly and experienced home health aide provided by a reliable home health care agency will help your aging loved one enjoy quality time at home.

Conclusion:
By relying on a licensed home health care agency in NJ, you will get exceptional care and personalized in-home caregiving that will effectively meet the needs of your aging loved ones. Whether you want an hourly or 24 hr live-in home health care aide in NJ, a reliable and highly reputable home health care service provider will offer you the best solution. With a dedicated home care aide, and the assistance of a home care agency, together they can foster the well-being your aging loved ones.

This article is produced by CareBridge Home Health Care, which is a State licensed home health care agency in NJ.

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Whey Protein Powder Health Supplement

Some persons determine that ingesting whey protein powder can be truly beneficial for promoting muscle faster. On the other hand, others also have experience with them not being truly competent at all. The tip is that people need employing them with physical exercise routine and eating plan. The body will get strong and large by eating a nice diet. Once this is instead of, a person may adjoin supplements to increase the health profits.

A bodybuilder’s eating regimen is significant for his or her health achievement. People must concentrate on sufficiently getting proteins so that their physical structure never be fatigued and can perpetually be developing more muscle throughout the day. A few foodstuffs have protein; still, seek to at any rate by expending different meat, cheddar and egg whites.

It’s asked that a man still take few fat and carbs in light of the fact that the middle will request them when working out. A few individuals ask that when weight lifting a man ought to never eat any, albeit a few individuals in truth don’t propose this. You check whether one quits devouring starches and fat their digestion system could undoubtedly crash. This is on the grounds that there are capacities running in the body, which require that sustenance and on the off chance that they don’t get it, they will pretty much experience the ill effects of exorbitantly low vitality.

A few individuals need to build their protein consumption for a mixture of reasons. For some, it’s as basic as needing to build bulk and lessen fat. Proficient competitors and juicers, for instance, need to shape their bodies and build its ability in lifting weights or execution. They do this by taking whey protein powders. A number of these experts train for quite a long time a day spending their muscles more the 50% of what typical individuals are utilized to. That implies their bodies should likewise repay and go through more protein to construct and modify their muscles that are harmed. By expanding their protein admission, they can guarantee that they have the essential measure of amino acids to repair their muscles and counteract strains and wounds.

Different kinds of individuals can likewise utilize whey protein powders for different reasons. Individuals who are wiped out because of squandering illnesses, similar to AIDS, can likewise take such a powder to expand their bulk. Their bodies can utilize the additional protein to expand their quality and help to stay solid and battle the ailment. Individuals experiencing chemotherapy and disease medicines additionally must keep their quality up. When you experience something like chemotherapy, you lose your voracity or some of the time you hurl any supplements you figure out how to ingest. Utilizing whey protein is one way they can expand their quality and muscles to have the capacity to withstand the medications, which regularly abandon them feeble.

I am a professional content write. I write for various protein health supplements, body building powder, muscle gainer/loser supplement. To get the cheap and best Whey Protein Powder, pre post workout supplements and many other visit : Health Supplement.

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