Pink Fire Pointer January 2014

Temporary Health Insurance
                    Temporary health insurance, also known as short-term health insurance plans or short-term medical insurance, is an insurance policy valid only for a limited period of time. Health insurance is defined as a type of insurance plan whereby the insurer covers the medical expenses of the insured when he/she becomes sick due to covered causes, or due to accidents. Temporary health insurance provides ideal protection for persons who are in-between jobs, employed part-time, waiting for permanent health insurance to commence, attending school or recently graduated, and temporarily without health insurance for any reason. Temporary plans provide a person the freedom of selecting any doctor or hospital. They also have a deductible scheme for the individual as well as the family. A person under 65 years of age and children under 19 or 25 (if a full-time student) are eligible to apply for temporary health insurance. The insurer may be a government organization or a private agency. Normally, the temporary health insurance can be purchased for periods as short as 30 days or up to 360 days. The important point to remember when considering this type of insurance plan is that the insurance should not be seen as an alternative for standard, long-term health insurance. The plan is only intended to provide treatment for unforeseen illness or injury. Temporary health insurance is also exempt from Health Insurance Portability and Accountability Act (HIPAA), which means that the plan does not have any guarantees. Once the limited time frame of the insurance ends, the insured may or may not be able to purchase extra health insurance, depending on his health at that occasion. Temporary health insurance plan is a good option for those to whom a full insurance plan is not available. There are also low-cost health insurance plans, which are affordable plans designed for healthy people who are temporarily without health insurance.

The Easy Guide To Finding The Best Health Insurance Coverage
                Health insurance coverage is a major necessity for today's active consumer. Taking the chance of not setting enough money aside in order to pay your monthly health insurance premium is basically gambling with your financial and physical well-being. Typically, health insurance benefits and coverage vary widely among the many different health insurance providers. However, they all have one common trait or feature and that is they all pay for a pre-determined amount of incurred medical cost for the policy holder or insured individual. Health insurance may not seem as important to you right now and in many cases most people don't acknowledge the fact that they even need health insurance until it's to late. This usually happens right around the time when a consumer requires significant medical attention or assistance. For some folks even routine doctor's exams and medical appointments can be the catalyst or wake up sign that health insurance is very vital to living a health and stress free life. The United States health care system is unique in its own right due in large part to the privatization that has occurred in the medical and health care community. This is spurned the demand and need for an adequate health insurance policy and coverage system. Many other countries actually use a government-sponsored form of health care that doesn't require insurance coverage in any form. The three primary forms of health care insurance include the self-insured and uninsured consumers, managed care plans and indemnity health care plans. The self-insured and uninsured group of consumers normally consist of the self-employed and unfortunately folks that are currently not working or out of work. The latest figures show that about 35% of the folks needing health care insurance fall into this category. Chances are you've probably already familiar with what a managed health care plan is, thanks in large part to the stories discussed in the newspapers, TV and local radio stations. After all, health care is a hot topic for many consumers living in the United States. Basically all a managed care plan does is offer contracted health care providers at pre-negotiated prices. There are three different versions of the managed health care plans provided in today's medical community. The most commonly known is the Health Maintenance Organization or HMO. This plan requires its insured members to contribute a set dollar amount or fee each month in exchange for medical care. The typical medical services that are readily provided by an HMO include routine appointments, surgery and some outside specialization treatments (although the HMO plan usually frowns upon seeking medical assistance outside of the HMO network of providers). The next managed care plan is the Preferred Provider Organizations or PPO. This health service plan normally requires the insured to make payment up front and then provides a re-imbursement to the member of the health care plan. Much like HMOs the PPO has a set network of doctors and health care providers that ity has negotiated with in advance in order to obtain better rates for medical treatment that may be required by its members. The final plan offered by the managed health care plan is the Point of Service or POS plan. This plan isn't really talked about as much as the HMO and PPO health insurance plans based on the fact that it's not as common. A member of this plan avoids having to pay a deductible and a small co-payment fee provided they use a doctor that is a member of the POS network. The major drawback with this plan is if the insured member seeks treatment outside of the referral network then a rather large deductible is incurred along with some rather stiff charges. Aside from the self-insured/uninsured plan and the managed health care plan there is still one more form of health insurance coverage that can be obtained by consumers who have a little more money that they wish to spend on their health insurance coverage. This plan is the indemnity plan and although it offers the least amount of restrictions when compared to all other health care plans it is also the most expensive. The reason for the high cost associated with this form of health insurance coverage is due to the ability for the plan member or insured consumer to visit any doctor or health care specialist they want to receive health care from as often as needed or required.

Obtain Cheaper Health Insurance Rates By Avoiding Alcohol, Smoking, And Applying Early
                   If you're like most consumers you probably on a glide path to start contemplating the purchase of health insurance when you're much older then your current age. In fact, studies show that many people don't even consider health insurance until after they are married or have children. Although it may seem unnecessary, the best time to start thinking about health insurance is while you are young and still relatively healthy. The fact is, the longer you wait to obtain health insurance the higher probability that you will end up paying a higher insurance rate or premium assuming you are still healthy enough to qualify for health insurance. Research shows that when compared side by side a person in their twenties or thirties will be able to obtain a larger health insurance policy at a cheaper rate then a person who is fifty or older. Good health and habits also play a large role in determining your health insurance coverage and overall associated costs. Someone who is healthy, doesn't smoke and avoids excessive use of alcohol and stays away from drugs will also enjoy the same benefits of a larger policy value with a lower cost when compared to someone who is out of shape, in bad health and with lifestyle habits that are truly bad for their body, mind and health. Sadly, some consumers are under the misconception that they can get by without telling their potential health insurance provider negative aspects dealing with their health in order to qualify for better rates and coverage amounts. Unfortunately what those same folks fail to realize is that normally most health insurance companies and providers require a medical pre-screening or physical before they actually provide health insurance coverage. Typically, this medical screening combined with a thorough look over a person's previous medical records identifies any current health ailments that exist with the potential insurance client and as a result the health insurance coverage amounts and rates are adjusted accordingly. If you exam the economics side of health insurance you will see that the health insurance companies want to insure you while you are in your best possible health. For this it means more money taken in from the premiums you pay and less money paid out based on your lack of needing to receive regular medical care outside of routine appointments, checkups and of course, medical emergencies. Health insurance companies have gotten so good at this that they have three different types of coverage rates or premiums they classify consumers into based on their health. Those categories are standard, preferred and preferred plus. The preferred plus premium is for folks that are non-smokers and in excellent health continuing on down to the standard premium for consumers with minor health issues and who may have previously smoked but are no longer active in that habit. Health insurance companies consider smoking a big deal so always make sure to tell the truth when filling out your health insurance application and receiving your medical exam and physical. In fact, some companies actually test a urine sample in order to determine if you are an active smoker. The bottom line up front is in order to enjoy lower rates for your health insurance you really should abstain from smoking. Drinking alcohol is also considered harmful to your health and viewed by many insurance companies in a negative light. You will need to check each individual insurance provider's policy in terms of alcohol consumption. Some have no issue with consuming alcoholic beverages as long as there is no prior evidence of abuse or previous treatments/rehabilitation that were required and yet others will drastically increase your insurance rates based on the health problems and mortality rate from drinking. If you're still reasonably healthy then age can be the least discriminating factor when it comes to purchasing affordable health insurance. Generally speaking many consumers under the age of sixty can still enjoy reasonable health insurance rates and adequate coverage so long as there are no major health problems or illnesses to contend with.

What Are The Benefits To Using A Health Insurance Broker?
                     If you're contemplating the purchase of health insurance then there's a good possibility that a health insurance broker might be able to help you. A health insurance broker is a professional individual whose job is to provide health insurance companies or providers with prospective consumers that are seeking to obtain health insurance for themselves or their family. Normally, a health insurance broker is eagerly sought after by an individual or individuals that are not covered by any type of group health insurance plan. Typically this includes folks that have some sort of medical condition prior to obtaining health insurance but it can also include self-employed individuals that aren't covered by an employee health care plan. In some ways a health insurance broker is almost like a real estate agent. The health insurance broker tries to find the best deal for the individual seeking health insurance based off a list of requested benefits provided to the health insurance broker by the consumer seeking to become insured. After finding a plan that is suitable for the consumer the health insurance broker then works towards a signing of a mutual health insurance contract by both parties involved, the insurance provider and the individual seeking insurance. Although it may sound like the health insurance broker works for the insurance company it's actually quite the opposite because in a way the health insurance broker works for the consumer. The insurance broker is responsible to know about the many different health insurance providers or companies that may or may not be suitable for his clients. Additionally, they can provide information regarding claims, processing times, customer service and of course health insurance rates or premiums. In some cases the health insurance broker may be paid a referral fee for putting a health insurance company in contact with a consumer seeking health coverage, provided the consumer does actually sign up for health insurance through the recommended company. Typically, a health insurance broker receives their compensation in the form of a commission. The payment for this commission can come from the consumer, the insurance company or a combination of the both, each paying their respective portion of the broker fee. Still, if a health insurance broker does a good job and actually finds you a health insurance company that offers excellent health coverage with reasonable rates then it may be money well spent in the long run. Also, because the health insurance broker is normally governed or regulated by state licensing requirements you can rest assured that they are trustworthy and will do the right thing ethically speaking in order to find the very best health insurance coverage that you can afford.

Be Careful When Shopping For Health Insurance Online
                  Without a doubt the Internet has made life much easier for consumers, especially when trying to obtain the best deals when shopping for health insurance online. The ease of use and the ability to quickly compare the offers from competing health insurance providers makes it almost to fast and hassle free to purchase health insurance online. However, there are some important facts, questions and answers you or any consumer searching for an online health insurance provider should research before quickly making a decision that could lock you into a health insurance policy that may not be right for you. Health insurance like most other insurance products and services contains a variety or jargon and terms that you should become intimately familiar with prior to signing up for a policy or health insurance plan that you may have found online. Most, in fact almost all, health insurance companies will require you to partake in a physical before they consider underwriting you for a policy. Basically, this underwriting process consists of your taking a physical, which the insurance company then verifies against the information you filled out on their application for accuracy. The reason for this full disclosure is so that the health insurance provider can determine the rate or premium they will charge you for your health insurance coverage and it's also for your protection so that the insurance company cannot refuse you treatment for a condition at a later time. In some minor cases when obtaining health insurance online you may not have your information verified against the actual physical. As mentioned above, when searching for health insurance online there is a chance that some insurance providers will not do their due diligence in the beginning (comparing your physical to your completed application or questionnaire) and will instead play the odds that you won't get sick, injured or suffer some other health catastrophe. In the event that you do get ill and need their services they will then scrutinize your records with the hopes of finding a reason not to pay your health insurance related claims. If for some reason they find what they consider a valid discrepancy they may then attempt to not pay your claim or cancel your health insurance completely. Remember, this is not all insurance companies just a extremely small percentage that may do this practice or tactic to strong arm you into not receiving your proper health insurance coverage. When shopping and comparing health insurance online make sure any application you fill out contains full disclosure and a complete and accurate assessment by you regarding your health otherwise you may find a future health related claim denied. When filling out your health insurance online application always list every illness, broken bone, accident, operation, medication you have taken and any other ailment you may have suffered from during your life. Failure to do so could nullify your insurance policy should you ever need to make a claim against it. In some cases the health insurance agent for the company or provider you are considering will fill out the health insurance application for you. In the event he or she does this you must make sure and double check it for accuracy. Remember agents get paid based on the business they provide to the insurance company so always make sure no shortcuts were taken to get you initially covered by the health provider. If your future claims get denied due to an error on your initial application it doesn't really phase the insurance agent hat helped you in the beginning. Finally, after you're approved make sure you double check your health insurance online application for any errors that may have occurred during and after the insurance company accepts your paperwork. The difference between a no and yes answer could prove costly in the future should you ever need to file a health related claim against your health insurance provider.

The Dream Of Low Cost Health Insurance
                  With prices for daily living items escalating and expenses running rampant the opportunity to find low cost health insurance would be welcomed by many of today's cost watching consumers. Let's be honest, without health insurance it would be near impossible to pay for medical treatments based on their rather steep prices. Low cost health insurance isn't a bonus that someone earns, in reality it should be a right granted to everyone for the simple reason that you never know when you may need it. You could be fine one day and the very next suffering from a myriad of injuries or sickness that seem to effect so many healthy people everyday. Even if it turns out that you are suffering from a mild ailment, if you end up riding in an ambulance to the hospital the cost associated with that simple procedure can be quite large for folks without a low cost health insurance plan to cover such an event. You don't want to be in a position to find this out the hard way so affordable health insurance is a must need for everyone. So how exactly does low cost health insurance work? For starters, health insurance is like any other monthly bill that you have. However, don't treat this like it's a phone bill or an electricity bill. Failing or forgetting to pay this one could be disastrous to your medical health. The monthly payment or premium entitles you to medical treatment that is covered by your health insurance as opposed to your having to pay the amount out of your pocket yourself. Normally, when you sign up for low cost health insurance you will be required to pick what's known as a primary care provider or physician which basically means you choose a doctor from a list that is provided. This doctor will then determine the types of treatment you will require. Unfortunately, there are many political and internal issues that seem to plague our health care industry between the doctors and the health insurance companies with the consumer caught in the middle. Issues like these are better discussed in their own article or in the daily newspapers and on the TV news. At one point in time health insurance was a standard benefit for the employees of many companies unfortunately, the rising costs that were mentioned earlier in this article have also hit the health insurance benefit packages that most folks should be entitled to but are seemingly disappearing overnight. Low cost health insurance would be welcomed by many companies wanting to provide better benefits to their valuable workers. Low cost health insurance may be possible with larger companies based on the fact that many health insurance organizations offer discounted rates to organizations that are large in stature and size. The opportunity for a employee to receive a nice health insurance benefit at a reduced cost still exist in companies that receive this favorable treatment from the health insurance providers. Sadly, many companies, especially smaller or brand new ventures are unable to afford the necessary premiums needed in order to provide health insurance for their employees. As a result the workers for these companies must then find their own individual health insurance plan, usually through a health insurance broker or by surfing the Internet and visiting all of the health insurance websites currently located online. For those consumers finding low cost health insurance may be slightly more difficult and any health insurance that is truly affordable may not cover many of the ailments that strike many folks on an everyday basis. Low cost health insurance can be obtained in today's high price society. It just takes a little more effort on the part of the consumer but in the long run it's well worth it. after all this is your health we're talking about.