Children's Health Insurance Program

Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA or Public Law 111-3) reauthorized the Children's Health Insurance Program (CHIP).  CHIPRA finances CHIP through FY 2013.  It will preserve coverage for the millions of children who rely on CHIP today and provides the resources for States to reach millions of additional uninsured children.  This legislation will help ensure the health and well-being of our nation's children.
These pages contain documents and links to CMS guidance on the implementation of the Children's Health Insurance Reauthorization Act (CHIPRA) of 2009. Guidance in the form of letters to State Health Officials (including State Medicaid Directors and CHIP Directors, as well as other public health officials as appropriate), answers to frequently asked questions, and forthcoming regulations will be posted on these webpage sas it becomes available.

Training Courses Offered for Marketing Executives

State Life Insurance Corporation of Pakistan provides adequate training to its marketing executives through the ‘Field Manpower Development’ (FMD) Department. There are four Regional Academies, one each in respective region, 26 FMD Centers, one in each zonal office to impart training, seminars and refresher courses to different levels of our marketing force. FMD department offers three courses exclusively for the marketing executives. These courses have been adopted from LIMRA (Life Insurance Marketing and Research Association of USA).

Career Paths/Success Stories of few Marketing Executives

A Sales Representative having two years’ association and having fulfilled the laid down promotion criteria is elevated as Sales Officer. He has to pass in-house courses.
The Sales Officers completing the laid down promotion criteria of Sales Manager are upgraded as Sales Managers.
The field channel is paid basic commission and additional bonuses for quality and consistency. All the three channels are provided group insurance facility and the Sales Officers and Sales managers are allowed limited medical facility and on completion of pre-determined parameters, seating & allied facilities which include the office, office furniture etc.

Third Party Insurance

 This type of insurance covers damages caused by you (first party) to others (third party).
Apart from these above mentioned insurance policies there are many other types of insurance policies in the market (and the list keeps on increasing) that are more or less related to these policies however providing benefits to the policy holders in a different and unique way.
Tags: insurance types, types of life insurance, types of auto insurance, different types of insurance policies, types of insurance

Insurance at Amusement Points

6) Insurance at Amusement Points: This is a one of the new kinds of insurance policy (not very popular in India) where in you are insured against the equipments that you are using at the amusement joints. For example: if you are using boats for an independent boat ride , then they will charge you with some extra money for an property loss(say $5) and in case of any property damage you will not be liable to pay any amount required to repair the damaged property.

Travel Insurance

Travel Insurance: Loss of personal belongings while traveling, medical coverage, delays in the travel are all part of the travel insurance policy.

Property Insurance

Property Insurance: This insurance helps you to prevent the losses against theft, fire, burglary or any natural calamity like Earthquake, Floods etc. based on the points mentioned in the policy.

life

1) Life Insurance: In this policy, the insurance company pays in case of the demise of the policy holder or at the time of the maturity of the policy. Now a days a new policy has been launched by LIC in which you will be covered under the insurance policy even after the maturity of the policy

House Insurance

Many people take insurance as some kind of financial obligation that must be avoided. Why an individual should pay a high monthly premium for house insurance? There are 3 very important reasons why you should always pay your monthly insurance premium. First, most states require that you insure your house, second, your insurance pays for damages on your vehicle and third, in case of accidents,...

Car Insurance - Reasons to update your car insurance-00-5269

Many people take insurance as some kind of financial obligation that must be avoided. Why an individual should pay a high monthly premium for car insurance? There are 3 very important reasons why you should always pay your monthly insurance premium. First, most states require that you insure your car, second, your insurance pays for damages on your vehicle and third, in case of accidents, your insurance will cover all or most of the expenses connected with the accident.

It is very importan to have a car insurance. Imagine if you get involved in a road accident and you do not have any car insurance at all the you can be in lot of trouble If you do not have any insurance, you will have to pay your hospital bills, your car repairs and others from your own pockets. Even if you are a financially well off and you have some money stash in the bank, paying for these things may not really be easy.

Complying With State Requirements. Almost all states in the country require drivers to insure their automobiles to some level. Some states may only require you to carry a minimum insurance coverage on your car against accidents while other states require more. In an event where an officer pulls you over and you cannot present your car insurance papers when requested, your car may be impounded and you will be fined. If you are in a hurry then the whole episode can be quite a nightmare. Look at international insurance web world for more information.

If you are one of those individuals who are always on the go, you cannot afford to be pulled over and your automobile confiscated so make sure that you are up to date with your policy premium payments. Always remember that once you do not pay your insurance premiums your car insurance coverage will lapse and you will be without any insurance protection.

Since different states have different rules when it comes to car insurance coverage, you should first check with the proper authorities as to what types of insurance coverage is required in your state. After checking with the proper authorities regarding this matter, find a good insurance company where you can get your car insurance.

If you go to any car dealers in any part of the country then they have their own preferred car insurance company which they work with. Ask your car dealer for referrals to their car insurance company when you are buying your car. Local car insurance companies know about the rules and regulations governing car insurance coverage in your state so you need not worry about not getting the right coverage for your car.

Motor Insurance

Covers against accidental loss or damage to vehicles and/or legal liability arising out of third party accidental loss or damage to vehicles and/or legal liability arising out of third party. Cover is also available for Executive Scheme, High Valued Vehicles, Road Side Assistance, Extended Warranty and Car Replacement.
Motor Insurance is a type of Insurance policy that consumers can purchase for cars, motorbikes, vans and other motor vehicles. It covers the Insured against the cost of repairing a vehicle following an accident, theft or damage; and against any liability claims.
The Motor Department offers motor insurance policies directly to private individuals and fleet insurance to different companies.
Al Khazna Insurance provides a broad range of Insurance Products and Services in order to meet the needs of various Companies, Business Establishments, Organizations, and Individuals.
There are several Types of Motor Insurance offered by Al Khazna as follows:-
A ) Comprehensive Car Insurance, ( Loss, Damage and Third party Liability ):

Loss, damage and third party liability car insurance covers against accidental damage to a third party vehicle or property and to the policyholder's car, injury to third parties and liability to passengers in the policyholder's car and subject to certain conditions.

The above Cover consist of two sections :-

1 ) Loss of or Damage to the Insured vehicle

Under Loss of or Damage, the cover will be liable for insured vehicle that claim may arise from :-  

• Accident or overturning
• Fire, external explosion, self ignition, lightning or thunderbolt
• Burglary or theft
• Malicious act of third party.
• Whilst in transit by road, rail, inland waterway, lift / elevator, etc..).

2 ) Third Party Liability 

Third Party Liability section indemnifies the Insured against all sums which the Insured shall become legally liable to pay as compensation for:-

• Death of or bodily injury to any person including all passengers in the vehicles (except the Insured or the driver and their families [spouse, parents and children] and the employees of the insured).

• Damages for materials and property (except those owned by the Insured or the driver at the time of the accident or property held in trust or in their custody or control).

B )  Third Party Liability Insurance Policy 

Third Party Liability policy indemnifies the Insured against all sums which the Insured shall become legally liable to pay as compensation for: 

Death of or bodily injury to any person including all passengers in the vehicles (except the Insured or the driver and their families [spouse, parents and children] and the employees of the insured).

Damages for materials and property (except those owned by the Insured or the driver at the time of the accident).

C ) Third Party Fire and Theft Only:
Include all the benefits of third party, with the addition coverage of fire and theft, attempted theft and taking without consent.

The Second Condition of Average

The second condition of average is not strictly a condition of average at all, because it is essentially a contribution clause which apportions the loss in a particular manner. The key to its application lies in the determination by insurers of which policy is more specific. Clearly, if both policies are identical, then neither is more specific than the other, and the second condition cannot apply. It will similarly not apply if the two policies cannot be compared because each policy covers a variety of items not covered by the other, in addition to those items common to both, because in this case neither is more specific than the other.



If the two policies are capable of being compared and all items covered by one fall within the scope of the other (which also covers other items), then the second policy is wider and the second condition operates.




The second condition effectively applies to convert the wider policy into an insurance of the excess of value beyond the amount insured by the more specific policy. It excludes items common to both policies from the operation of the wider policy if the loss is covered by the specific "narrower" policy. The two conditions usually read as follows:



"Whenever a sum insured is declared to be subject to the Two Conditions of Average if such sum shall at the commencement of any damage be less than the value of the property covered within such sum insured, the amount payable by the Insurer in respect of such damage shall be proportionately reduced, but if any of the property covered within such sum insured shall at the commencement of any damage be also covered by any more specific insurance, then this policy shall only insure the same for any value in excess of the amount of such more specific insurance (s) which excess value shall be deemed to be the value of the property covered hereby and subject to 1 above.



For the purpose of 2 only a more specific insurance is one which at the time of damage applies only

to property as described herein, and at any but not all of the locations to which this insurance applies."




Obviously, where the first condition of average is applicable, then allowance must be made for the proportion of the loss which the insured must bear himself, prior to determining the liability of the insurers under each policy, i.e:



Sum Insured

-------------------------------- x Loss

Total true value of subject



matter of policies, less value of narrower policy



Where there is a third policy, it will not contribute until the second policy is exhausted, and so on.


Read more: http://www.articlesbase.com/insurance-articles/insurance-the-second-condition-of-average-3537088.html#ixzz13KR7XpLU
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Taking Advantage Of Internet Price Transparency With Florda Health Insurance
By Robbie Forbes
Florida health insurance companies are now feeling the effects of the increased price transparency that the Internet brings. Now longer is it a process of days or even weeks to obtain multiple health insurance quotes from top Florida health insurance companies. The simplest and most efficient way to obtain health insurance in Florida is simply to make the top health insurance companies in the state (Golden Rule/United Healthcare, Aetna, and Humana) compete for your business!



If you cringe at the thought of a United Healthcare agent, an Aetna agent, and a Humana agent all clustering around you amongst a swarm of other Florida health insurance agents and trying to push their company's policy upon you then read on; for health insurance shopping on the Internet has simplified everything. There are numerous Florida health insurance websites that offer Florida health insurance quotes but there are quite a few very important distinctions between the different types.

There are two main types of websites that offer Florida health insurance quotes to Florida health insurance shoppers: Marketing Organizations and Insurance Agencies.

Marketing Organizations do not sell insurance, are not regulated by any insurance department, and generally have no knowledge whatsoever concerning Florida health insurance. However, they can offer consumers a somewhat appealing service. How can they assist in purchasing health insurance?

They act as a middleman between Florida health insurance shoppers and Florida health insurance agents. When Mrs. Smith in Tampa, FL requests a health insurance quote then the marketing company sells her information as a lead to 5 or more Florida insurance agents.

Ignoring the privacy issues and the issue of the qualifications of the health insurance agents that will be purchasing your information there is the larger and more practical issue of do you really want to have 5+ insurance agents aggressively seeking your business?


Imagine that each health insurance agent is taught in their sales training to call you at least 5 times and email you at least

3 times before "giving up" on you as an insurance prospect: that means that you have received 25 phone calls and 15 emails from various insurance agents!

The second type of website that offers Florida health insurance quotes is the website that is run by an insurance agency (note that it is very important to find only an independent Florida insurance agency - meaning an agency that is not tied to working with only one health insurance company but can show you health insurance quotes from all of the top Florida health insurance companies. This is also why we will ignore the quasi third group of websites that offer Florida health insurance quotes: the health insurance carrier websites themselves. These can be a good service but very time consuming. There is a better way to shop for Florida health insurance. Read on-).

Most independent insurance agency websites offer a feature that will allow you to request Florida health insurance quotes. However, there is a much better way to shop for Florida health insurance! Rather than waiting for your request for health insurance quotes to be filled; look for a website that offers instant and LIVE Florida health insurance quotes from top Florida health insurance companies.

With instant LIVE Florida health insurance quotes you have the best of both worlds: you receive the benefits of competitive pricing by viewing the top Florida health insurance companies quotes side by side (the strong point of the marketing organization website model) as well as personal, expert help (the strong point of the insurance agency website model). Not to mention the added benefit of viewing the health insurance quotes from the different health insurance companies in the same format - enabling easy side by side comparisons of benefits. This allows for a true "apples to apples" comparison.

View up to 20 LIVE Florida health insurance quotes from top Florida health insurance companies like Aetna, Humana and Golden Rule/United Healthcare all in less than 20 seconds! View LIVE Florida health insurance quotes now and take advantage of the Internet's price transparency!
For tips on foot rash and foot tendonitis, visit the Foot Diseases website.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

Health Insurance Providers For The Individual
By Kev Phillips
When it comes to choosing a policy from the wide offer of health insurance providers, it is quite a challenge to decide which is the right one for your needs. And since the costs for health insurance is skyrocketing, the least you can do is to ask for quotes from several health insurance providers and compare between their offers. Managed care plans could be a good and responsible choice when you want a maximum quality for your money. Don't take things lightly here either because the family's well being depends on your decision for one health insurance plan or another.


There are a lot of factors that contribute to make individual health insurance plans more expensive than group or family insurance. In a comparison between the employer-sponsored health insurance and the individual health insurance plans provided by companies in the private sector, the difference is in the issue of the guarantees. The benefits of the treatments for pre-existing conditions are minimal with many individual health insurance plans, and coverage refusal is pretty frequent. The conditions of individual health insurance plans vary from country to country and state to state, so it is very important to check them before signing any policy whatsoever.


There are several factors that influence the costs of individual health insurance plans, the age, the health status, the zip code and the lifestyle specifics. Smokers or the overweight will always be charged more than fit, non-smoking users. The risk your health presents for the insurer thus gets reflected in the price variations of the

monthly rates. Moreover, most individual health insurance plans have a maximum annual and a maximum lifetime amount. The coverage for different medical treatments may legally cease once the maximum is exceeded.

To give just a few examples of individual health insurance plans, we ought to mention indemnity health insurance, points-of-service plans (POS), health savings accounts (HSA) plans, preferred provider organization (PPO) plans or health maintenance organization (HMO) plans. The cost and the choice are the features that distinguish between these variations of offers. Flexible individual health insurance plans will always be the most expensive. Be prepared to take more money out of the pocket when you sign for a comprehensive family policy or when you choose your doctor.


We need to mention the fact that the majority of companies that advertise health insurance options, do not offer coverage for regular checkups and average medical services but only assistance for major illness incidents. Do not neglect the importance of comparison between the different offers and individual health insurance plans. The quotes for each plan with the benefits it involves should be analyzed individually and in relation with the rest of the offers. Only by such close investigation will you be able to come up with something efficient and money-wise to correspond to your needs. The pessimistic scenario here is that you will have to face periodical increases of the monthly rate, which will become a permanent threat for your personal budget. Shop wisely to get the maximum of coverage!
Kevin has been writing articles for nearly 4 years. Come visit his latest website over at backpackvacuumcleanerssearch.com which helps people find the best backpack vacuum cleaners helping professionals and homeowners save time and money with cleaning jobs.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

Tricks To Buying Affordable Health Insurance In Texas
By Charles F. Peeler
Buying your own health insurance makes sense both financially and personally. Health insurance can protect your financial assets in case you develop a medical problem that is expensive to treat. Additionally, purchasing private insurance can save you from dealing with a gap in coverage should you ever lose your job since your medical plan is completely portable. But the process of looking for and buying health care coverage is a daunting task especially for people who have never had coverage before. To assist you in this process, here are some tips for buying affordable health insurance in Texas.



Before you call a health insurance agent or get on the internet to start doing research, you should sit down and figure out how much coverage you need. Every person’s health profile is unique. A person who is relatively healthy is not going to need as much coverage as a person who is struggling with a chronic medical problem. Since the cost of the insurance premiums of your affordable health insurance in Texas is based on the amount of coverage you have, it is a good idea to know exactly what you want to avoid overpaying for insurance that you are not going to use or need.

What Plan to Choose?

Next you will need to determine what kind of plan to buy. There are quite a few different types of affordable health insurance in Texas and each offering different types of coverage at various price points. For example, PPO plans with

doctor office co-pays offer the most benefits and flexibility when it comes to health care coverage. However, they tend to be the most expensive. On the other hand, high deductible health plans have very low premiums but you must pay a higher deductible before the insurance company will pick up your medical expenses. Although the HSA plan offers no coverage until such point that the deductible is met in the event of a major catastrophic medical event they will most often offer lower out of pocket expenditures to a family’s budget. Your other options include HMO, POS, and fee per service plans however these plans are rarely offered on an individual basis in Texas. Click to learn about the High deductible HSA Texas Health Plans

I know what I want, What’s Next?


There are websites online that will allow you to get quotes for medical insurance. These will provide you with a rough idea of what you can expect to pay for coverage with the different insurance companies out there. However, due to the new changes with health care reform it is best to work with a health insurance agent when shopping for affordable health insurance in Texas. Not only are they knowledgeable about the different types of plans available on the market in Texas, they can help you evaluate your health care needs and find a health plan that addresses them. Take your time during the process to ensure you get exactly what you need at a price you are comfortable paying.
Charles Peeler has been providing Affordable Health Insurance in Texas since 1993. For more information or to acquire a free quote he recommends this Texas Health Insurance site.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

How Private Health Insurance Works For You!
By Michael Smith
There are two ways you can obtain health care. The first one is through the public system provided by the government and the second one is through private organizations by taking out private health insurance. But what does this policy cover? How does it work? You will find answers to these questions through the following paragraphs.



Type of coverage. A private health insurance may not cover everything. However, if you have a short-term or curable illness, this type of health insurance plan is for you. This type of cover offered by a private plan, you can get a wide array of benefits. Obviously, it can give you treatment when needed. On top of that, you'll have the peace of mind you're looking for knowing that you'll gain access to the health plan whenever the need arises.

While it was mentioned that private health insurance is basically made for short-term illnesses, it doesn't mean you won't be able to apply for one if you have long-term ailment. However, some private health providers require some requisites to getting this type of health insurance plan. For example you may need to be at least symptom-free for a period of two to five years. Some private plan won't cover for illnesses such as AIDS/HIV, cosmetic surgery and sex change.

Be sure to check with the private health provider before signing up, this will avoid problems later.


Access to private hospitals. Since it is a private health insurance plan, it follows that you'll have access to private hospitals around town. In some cases, this type of plan will also entitle you to go to specialist hospitals – one that will cater to the ailment you currently have. Here, the benefit is you have a choice on when and where you can be treated.

Types of medical insurance offered. As with any other types of health insurance plans, a private health insurance offers you options. You can opt for in-patient or overnight stays. There are even those that cover for treatments even when you're not confined in the hospital. These ones are called outpatient treatments. These medical services may include things such as consultation. In other cases, you may even get health plans with overseas treatment cover as well.

After reading about private health insurance, somehow you may have understood how this type of plan works. But if in case you still have queries in mind when it comes to this health insurance plan, don't hesitate to ask service providers. There's always someone out there willing to help you with your concerns on this matter.
If you want to learn more about the different types of health insurance including private health insurance plans, you simply have to read through our site. We're willing to answer any of your queries on these policies as well.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time

Purchasing Options Available For Group Health Insurance Plans
By hellykain
It is a common tendency with all small business owners to look around and continuously search for efficient ways that can help them cut on the business costs. So when it comes insuring the employees of the company, there are a few variant options available out there other than the traditional group health insurance plans. After all, these policies can be a little too costly for the small business houses that have a limited amount of liquid cash to spend. One of the most common and popular options available in this context are purchase of alliances.



Purchasing alliances which are also known as purchasing pools: These organizations are non profit in nature and are run on the basis of private ownership. This way a number of small business organizations are networked while buying the group health insurance plans together. The driving idea behind these options is the fact that the more you gather, it is always the better. As in such cases a whole lot of people are involved in the pool where they purchase the insurances and the negotiation is a lot more effective, the final rates are managed at a far more affordable state as well.

Group Health Insurance alliances in general involve three distinct parties, the alliance company, the administrator company and the health insurance providers.

The alliance company is a private company by the very form of its ownership. This company works in the favor of the interests of the small business organizations who take part in the pool for buying the group health care coverage plan. The alliance


company is actually supposed to take care of all the rules and regulations and fill in the requirements for new members and decide on their eligibility as well. It’s also to a large extent responsible for negotiating the premiums and the rates with the insurance company that will be providing the coverage. Most commonly it is a local chamber of commerce of the local state agency that takes up the responsibility as an alliance company.

Coming to the administrator company this is a unit that is supposed to deal with the regular management duties. This is generally a company that specializes in health care administration and it is this company that gives all the directions and service instructions to the member companies.

The third category belongs to the health insurance providers who are provided by the insurance companies to the members for providing the coverage. Often these companies might contact a number of other insurance providers who may be asked to put in their offers for the pool members. This way the members are given the chance to choose from a wider range of coverage rates and plans.

The health insurance purchasing alliances are generally present in most of the states in the US, precisely where the state law allows these kinds of practices. So in case you are planning to buy any such coverage, something you need to do is first check out whether there are any such organizations in your area. You might even call in at your local Chamber of Commerce to check out if there is any valuable information that might come in handy.
The significance of having inexpensive collective group health insurance in the face of any kind of physical injury and unexpected medical emergency is more than a widely known fact. To know more about group health insurance, please visit our website.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

Demographics Vary On Opinions Of Health Insurance Reform
By Yamileth Medina
The issue of healthcare reform affects all Americans, regardless of age. However, it will have different impacts on each demographic. Those impacts are borne out by a recent poll.



According to the University of Iowa, their recent survey found that a slight majority of middle-aged respondents favor health insurance reform. The 35 to 54 age group includes the bulk of Baby Boomers, as well as the beginnings of Generation X. 53% of them approve the legislation.

Why would those in middle age be especially open to reform? They are the ones who are most susceptible to the downfalls of the former status quo. 35-to-54 year olds are more likely to have pre-existing conditions that would prevent them from buying a health insurance policy on the open market. With the recession, more of them have lost their employer-sponsored health benefits--or had to pay for expensive COBRA policies.

Unlike younger Americans (just 28 percent of 18-to-34-year olds support


the law), middle-aged men and women tend to think more about their families and stop believing that they are invincible. Therefore, they recognize the necessity of having a reliable health insurance plan.

In fact, many baby boomers are so concerned with becoming uninsured that they are willing to suffer through the disadvantages the legislation brings. Nearly two-thirds of this demographic believe that the law will increase their out-of-pocket expenses. Most of them also think that the quality of coverage will not improve. Despite those issues, the respondents appear to consider them better than the alternative.

Since they are further away from being eligible for Medicare, the 35-to-54 demographic considers the potential of being unable to access affordable health insurance coverage as more pressing than the possible cuts to Medicare. Support for healthcare reform ranges in the 30 to 35 percent range for those 55 and older.

(Image: teague_o under CC 3.0)
Yamileth Medina is an up and coming expert on Affordable Health Insurance and Healthcare Reform. She aims to help people realize that they can find a quality health insurance plan right now. Yamileth lives in Miami, FL.


We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

3 Factors To Choose The Best Health Insurance Plan
By Michael Smith
Often people are confused when it comes to choosing the right type of health insurance policy. But by taking the time to investigate what’s available, the search will truly be rewarding in the end. No matter your circumstance, it all comes down to 3 factors. By looking at these three factors, you'll surely come up not only with the right choice. You'll have the best plan – whether it's a private health insurance or a public health policy you're applying for.



# 1 – Make sure you're in the right network. What does this mean? In health insurance parlance, a network is the list of doctors and hospitals you can make use of under the private health insurance plan you're enrolled in. Therefore, before you make your choice of a plan, you're obliged to check on the right network of doctors and hospitals. The best plan with the right network is one that has a list of doctors and hospitals right within your locale. That way, you won't need to travel far just to enjoy the medical service you need.

# 2 – Opt for one with the best coverage. You may have come across this advice many times. But how will you know you have the best coverage for your private health insurance plan (or any type of health insurance for that matter)? Well, this will then depend on how you'll check on the coverage as provided in company brochures. Basically, you'll look at the "what's covered" section. This will definitely help. But

then again, there are a few more must-reads in this regard.

You must see phrases such as "reasonable and customary" or any other applicable phrase that will describe the type of cover you get. Policies should not include amount limits for each procedure covered as well. When you see this, it's about time you back out of that health insurance plan. Better look for an alternative.


# 3 – Know more about the health insurance cost. Once you've considered the first two factors listed above, it's about time you look at the cost of the public or private health insurance before you choose one. Often, you'll look for one with the lowest price. By all means, you can opt for that. But of course, you should always consider what the plan covers for and what type of network is built with this plan. This is the reason behind why the cost consideration is placed third among the list of factors to consider when getting a health plan.

At times, you don't have to grab the plan with the cheapest price. You have to weigh all three factors together to come up with the decision. As with any other types of purchase, a health insurance plan requires contemplation. You have to go through the process slowly but surely. You may always browse private health insurance companies at first. Assess the plans they offer and see if something suits your needs. Once the three criteria are met, then it's time you choose that offer.
Looking for the best health insurance plan? We assure you that you have options with the types of private health insurance policies we are offering.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

Personalized Health Insurance Plans In Danger From Reform
By Yamileth Medina
One major objection to the healthcare reform bill making its way through Congress is that it may have a chilling effect on medical innovation. Advances in genetic testing have led to personalized health insurance plans that take an individual's genetic makeup into account when prescribing treatment. Unfortunately, expert Dr. Francis Collins warns that the Obama administration's focus on comparative effectiveness research, meant to reduce health care costs, could endanger this emerging field. Research in comparative effectiveness discover which treatment for a particular illness works the best. Health insurance plans, including the proposed public option, would cover the successful treatment of medication. Using this method is likely to reduce the billions of dollars wasted on ineffective health care, also lowering insurance premiums as a result. However, Collins told Reuters that caution must be taken in order to avoid ignoring genetic factors. For example, while one treatment might be most effective for the general population, one group with a certain genetic makeup would see the greatest benefit from the other remedy.



The future of prescription drugs could be revitalized by the use of personalized medicine. New medications accompanied by diagnostic testing are being formulated and approved by the FDA. Testing for biomarkers (proteins, genes, etc.) present in the body will allow more individualized, effective treatments. These drugs will become increasingly prominent in the future. Although they are expensive, they will reduce the likelihood of multiple medication switches and continuous testing. Using genetics, laboratories may eventually figure out the cures for chronic conditions that cost health insurers billions. At the very least, treatments for these conditions will be more effective than some of the equally expensive drugs out there today. A healthcare reform bill might discourage research into these areas by companies like LineaGen.

While the federal government has provided grants for genetic research, their financial support may decrease after undertaking the burden of comprehensive health reform.


While seemingly more costly in the short run, personalized medicine has the potential to save more money if incorporated into healthcare reform. Genetic testing might convince some patients to avoid further, more expensive treatment. Take the case of breast cancer: in 2009, our health care system is projected to see a savings of $100 million from personalized gene tests. Exactly how does this happen? Breast cancer survivors can take a $3,500 test from Genomic Health known as Oncotype DX that predicts the likelihood of recurrence. About 50,000 women have taken advantage of the test this year, and many of them have found that they are at low risk for their cancer recurring. Studies have found that the majority of women judged as low risk for recurrence have opted against chemotherapy. This choice saves each patient $2,000, and their health insurance plans thousands more, which would have otherwise been spent on chemotherapy. Eventually, this will serve to lower the cost of cancer health insurance and make it more accessible. Women also benefit from not having to undergo grueling treatments that may be unneeded.

All in all, controlling the cost of health insurance plans is essential. Still, saving money can go too far and negatively impact the quality of care of those already insured. For decades, the United States has been renowned for its advances in medical technology, but several measures purport that actual health of our population lags behind other industrialized nations with slightly less innovative equipment. Personalized medicine through genetic testing is state-of-the-art medicine that may also serve to better prevent and diagnose diseases. It has the potential to be a worthwhile investment for future generations of Americans.

(Image: ghutchis under CC 2.0)
Yamileth Medina is an up and coming expert on Health Insurance and Healthcare Reform. She aims to help people realize that they don't have to go without health insurance plans while waiting for a public option, if it ever gets passed. Yamileth lives in Miami, FL.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

Health Insurance Plans For Travelers
By Michael Smith
There are those of you who might be interested about getting a travel health insurance. But then, you are quite adamant to the idea simply because you really don't know how it works. Through this page, you'll learn more about this type of health plan. You'll realize also why such a private health insurance option is needed.



Let's begin things by defining what a travel health insurance is. This is a type of health plan that does not only protect your health while you're on a trip. This can also be your tool if you want to safeguard your assets and other financial investments once you're out on a holiday. These are often offered by travel operators in their list of private health insurance plans. Bear in mind that this is not compulsory but will certainly be of great help while you are on a business or leisure trip. Most of the times, this can be used ideally when you travel to other parts of the world.

How can this type of health insurance be of help to you? It was mentioned already that it is for you, your asset and investments. Most of the times, you think that the travel health plan caters to your valuables which may get lost during the trip. Well, if that's how you see it, then you might be forgetting some other things. The truth is that this type of private health insurance will help you most especially when you'll meet accidents along the way. You don't know what will happen next during the trip. In line with this,


you can use the plan once any medical expenses arise during your holiday.

Can it be related to international health insurance? Certainly, these two are intertwined. You see, traveling may not always mean getting from one city to another in just one country. Traveling may entail going to another country for that matter. And with an international private health insurance on hand, you can request to get travel protection from your provider. The plan will certainly be of help when anything goes wrong. It can cover simple things such as getting the wrong luggage or a cancelled trip.

What should you bear in mind when getting a travel health insurance plan then? Compare quotes from various private health insurance companies. Check on what each plan covers. Make sure that the plan covers not only medical expenses but legal expenses as well. See to it that it also covers your personal belongings during the trip. It will also be wise if the plan includes a clause regarding personal injuries or accidents that may take place during your travel.

Now that you've known the basics of travel health insurance plans, it will be easy looking for one that suits your needs. In any case you have queries about it, feel free to raise concerns to service providers. That way, you'll be able to gauge which company is the best by screening how each answers your queries. If you have plans of traveling in the next months, then this type of plan is for you.
Want a health insurance plan for your travel? You can check how our private health insurance policies can work for you in this regard.

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The Importance Of Having Texas Health Insurance When Self-employed
By Charles F. Peeler
There is a common perception that working as an employee for a business is not very enjoyable. Whether or not that is true is debatable. However, there are two distinct advantages that employees have over people who are self employed; a regular paycheck and access to health insurance. About 26% of the people who live in Texas do not have health insurance and many of them are self-employed. Cost is the most common factor as to why these people go without. However, as an independent business owner it is important that you find money in the budget to obtain even basic Texas health insurance.



The primary reason is that when you do not have a medical plan, you are one illness away from bankruptcy. The cost of medical care is atrocious and getting treated for a simple disease, like the flu, can cost several hundred dollars. If you contract a catastrophic disease or get into a horrible accident requiring a hospital stay, you will be on the hook for the entire bill. Also, regardless of what you think the county hospital does NOT provide “free’ treatment, that’s only for the poor and yes, they will check out your ability to pay. Unless you have hundreds of thousands of dollars on hand to pay for medical expenses, it is well worth the effort to find Texas health insurance that you can afford which will help protect your finances.

You


have a several options available to you when it comes to securing Texas health insurance. If you are leaving a corporate job to strike out on your own, you can continue under your employer’s group coverage. COBRA is a federal law that requires employers to allow employees who leave the company to continue with their health insurance coverage for up to 18 months. The only caveat is that you must pay the premiums which can be pretty steep. But it will do while you are looking for your own insurance.

The best type of medical plan that you can purchase is an individual health insurance plan from a private company. The benefits of this type of plan are that it is portable and you will continue to be covered for as long as you pay the insurance premiums. If you decide that self-employment is not for you and you go back to a corporate job, you will still be covered under your own plan. The only disadvantage of buying your own Texas health insurance policy is if you have a pre-existing condition it can be hard to find an insurer to cover you. It is best to work with a health insurance agent who can help you find the best policy for your unique medical needs. Most brokers work with many of the providers in the state and most also know the underwriting requirement well enough to lead you towards the company that most likely will approve you for coverage.
Charles Peeler has been providing Texas Health Insurance since 1993. For more information or to acquire a free quote he recommends this Texas Health Insurance site.

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Health Insurance In California: Can You Save With High-deductible Plans?
By Wiley P Long
In California, health insurance companies offer what's known as high-deductible health insurance. You typically get lower premiums on plans that don't cover your healthcare until you've spent $5,000, $10,000 or more out-of-pocket in a year.


High-deductible plans aren't the only way to cut healthcare costs. Here are other ideas that can help you keep your medical bills low so you don't reach that high-deductible amount.


Reduce Your Prescription Costs With Creative Ideas

Whenever you know you'll need a prescription long-term, you can save with mail-order delivery. It's available for many common medications, and you can get a volume discount on a 90-day supply. Imagine getting an entire year's worth for a single shipping fee. Search online for "mail-order delivery prescriptions" and ask your doctor to write your prescription for a three-month supply with three refills to get a year's worth.

You can also ask your doctor about generic drugs, which offer the same potency, purity and safety as name brands at much lower prices. Your doctor may even have samples that can help you when money is tight.

It doesn't hurt to ask your pharmacist about ways to save either. Ask whether your medicine comes in different strengths. You may be able to buy a double-strength version for the same price, cut your pills in half with a "pill splitter" and lower your prescription costs by 50 percent overnight. Most pharmacies carry pill splitters, and you can find them for sale online.


Be sure your doctor agrees that's appropriate with your medication, and keep a sign-off sheet with your prescription where you write down when you cut your pills in half. It will probably be obvious by the size of the pill, but you don't want to swallow a double-strength pill when you're in a hurry by mistake.

You may also be able to cut out some of your medicine for good. Have your doctor review all your medications annually. Show her what over-the-counter drugs, supplements and herbs you take. Your doctor might say you no longer need one, or catch a possible interaction.

You Don't Need Health Insurance Plans in California For Lab Tests

You may not have heard that certain labs offer services directly to the public for substantially lower prices than if you go through a doctor. These lab-testing companies may use the same lab as your doctor, but cutting out the middleman helps to lower prices.

You can get diagnostic lab work at surprising savings. A Comprehensive

Metabolic Panel (which shows blood glucose, HDL and LDL cholesterol, liver enzymes, total cholesterol, triglycerides and several other factors) could cost $250 from a doctor or hospital. It's only $45 at one of the direct-access labs.

California Individual Health Insurance May Have High Deductibles For Hospitalization

Since a typical daily hospital charge is about $1,000 or $2,000, you could spend a lot before you meet your deductible and your health insurance starts footing the bill. Be aware that hospitals charge shockingly different prices for the same procedure. You can get dental work, cosmetic surgery, or even knee replacement or bypass surgery from board-certified doctors in foreign hospitals that cater to Americans.

Americans are increasing traveling as "medical tourists" to get healthcare at a fraction of what it would cost in the U.S. It's becoming so popular that agencies coordinate medical tourism. PlacidWay is a health tourism company that connects you with healthcare providers at a location you select without a fee. Doctors from PlanetHospital will also consult with you to recommend surgeons and facilities and even arrange for your treatment abroad.

If you stay here at home, you may be able to save simply by reading your hospital bill. Whether by honest error or fraud, hospitals are estimated to overcharge by about $1 billion a year. How can you avoid becoming a victim?

Call the billing department before you're admitted and ask what your room charge will be and what that includes. If it doesn't include something you'll need, like Kleenex, bring your own. Do that with medicine, if the hospital will allow it, to avoid paying inflated prices as an inpatient.

Don't pay your hospital bill when you leave. Look it over and compare it to the estimates you got from your doctor and the billing department. Get clarification of miscellaneous or lab fees or anything thing else that isn't defined.

It's Not That Hard To Save On California Health Insurance

Combine all of these approaches, including high-deductible premiums and low-cost prescriptions and lab tests with the best prices on hospital procedures, and your savings can really add up quickly.

It also pays to comparison shop for plans whether you are looking for California Family Health Insurance or California Individual Health Insurance. With hundreds of different plans from several insurers, California residents have a wide selection of plans at a range of prices.
By Wiley Long - President, eCAHealthinsurance.com - California Health Insurance Advisors - Offering instant quotes on California Health Insurance plans, online information on health insurance plans in California, and personal assistance for all your California Health Insurance needs.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

Fighting Health Insurance Fraud
By Michael Smith
Health insurance fraud can cost you too much money. In fact, with this type of scam, you will not be able to reap the real benefits of your investment. As the payer, you will surely want to know how you will successfully battle this fraud in private health insurance. You may wonder if there are steps to follow in this regard. Well, the answer is a loud yes. Here are some things that you can take note of.



Know what you should watch out for. What does this mean? In here, you should watch out for a couple of things. You have to check whether providers charge your company for services you have never received. In line with this, you should also know if it listed medical services you won't need in the long run. You should also be aware of what's included in the bill – you may be charged for branded drugs when in fact you got generic ones instead. Check if there are misrepresentations on cosmetic procedures that are not commonly included even in a private health insurance.

Check on what your policy covers. Often, you may fall prey to the affordable price attached to a health insurance plan. This will then attract you to invest on it right away. That is, without even knowing about the private health insurance coverage. If you want to avoid fraud in this regard, it's your duty to check on services you are covered for. Know what you are not covered for as well. Once you've identified these things, you can ask your provider about why these things are covered while the others are not.

It's


important to know your payment options. If the company asks you to pay the one-year term in full right away, then that can be tantamount to fraud. Most reputed insurance companies will provide you with options. It's either you pay on a monthly, quarterly, semi-annual or annual basis. It's your choice. Don't let the company force you when it comes to payment terms. Together with this, you are also reminded not to sign blank insurance claim forms. If you also want a low-priced health insurance, make sure that it is comparable to what others offer. Otherwise, that low cost may not provide you the quality you need in a private health insurance.

Be resourceful. This is your best tool to fight fraud. How's that possible? Well, with the knowledge of the ins and outs of private health insurance, it will be easier detecting a company that is fraudulent or not. Being resourceful will also mean you know what you actually need in a health insurance plan. You have all your resources – from local health insurance companies and federal governments to online sites. Add to that, your best resource would be to ask the company directly about your concerns.

Once you've successfully undertaken the above duties, fighting health insurance fraud will be easy. Of course, don't forget to deal with accredited insurance companies only. That way, you can be assured that your private health insurance deal is secure. Ask your friends about their opinions. They'll certainly help you land a good company to deal with.
Considering to get health insurance but do not know which private health insurance company to deal with? Simply browse through our site and you will certainly be far from insurance fraud.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

Finding A Job With Health Insurance Benefits Is Not As Easy As It Used To Be
By Ethan C Kalvin
The ideal is to find a job that includes health insurance as one of the benefits as most people don't want to have to pay out of pocket for an individual health insurance plan. With the rising cost of health insurance, however, more companies are choosing to pay a slightly higher salary to their employees as opposed to paying for their health insurance.



If you are in the process of looking for a job then you have probably noticed that the number of jobs out there is significantly low and the number of jobs that are offering health insurance benefits is nearly zero. Even if you are lucky enough to find a job that offers you some health insurance benefits, chances are you will have to pay at least a portion of your health insurance premiums yourself.

Employer based health care plans are not what they used to be either with a majority of employers finding that they can not afford to keep employees covered under the best health insurance plans and that they have to settle for plans with mediocre coverage just to make it seem like they are still doing their part. Even back in the 90's health insurance

through an employer was still top of the line health care coverage but now in 2010 more employers have cut back on the type of health insurance benefits they offer and this is a significant difference from what it was before.


Employees need to be prepared to foot either a portion or the total amount of their health care premiums. Many younger and healthy individuals are taking a major risk by not having any medical coverage and hope they will not find themselves in need of medical assistance. Unfortunately, if something does happen, the medical costs can be exorbitant.

No one can say for sure what will happen when and if the U.S. government institutes its health care plan but it is very likely that more employers begin to drop this expensive benefit and allow their employees to take advantage of the communal health care plan as well. The results of these changes remain to be seen, however if you are currently seeking employment it is still a better deal to find a company that offers you even minimal group health insurance benefits as opposed to paying out of pocket for your own health insurance.
It is necessary to have Family health insurance to keep the entire gang safe. There are many excellent Health Insurance plans.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time

Helpful Tips To Buy Health Insurance In California
By Shaun Mike
California is a big state and is placed at 23rd position among the 50 states of the US in the healthiest states ranking provided by the United Health Foundation.



The prevalence of smoking is low in the state and so is the rate of occupational fatalities. Infant mortality and cancer deaths are also low, which give positive signs about the state’s health system. However, high prevalence of poverty has marred the efforts in ensuring that Californians are offered health insurance policies to make them financially secure during the event of illness or injury. Healthcare reforms will be bringing a lot of changes in the health status of the state; however, there is still time for the total implementation of those reforms.

There are lots of private insurers that provide various options for buying affordable health insurance in California. Aetna, Anthem Blue Cross, Assurant, Blue Shield, Celtic, Cigna, Healthnet, IAC, Kaiser Permanente, PacifiCare, and Solera Dental are some of major carriers.

Some tips to buy health insurance in California


1. Californians can open an account with Health Savings Account (HSA), which really is a good option. These HSAs helps the consumers in reducing the premium cost while still being

able to have major medical coverage. An account with HSA allows the consumers to deposit money that grows tax-free until you withdraw the funds to pay for your healthcare needs.

2. Unlike life insurance, health insurance policies are subjected to change annually. Californians should re-evaluate their insurance policies to make sure that are having what they require. Sometimes, new options arise with better coverage, lower premiums and ease of operations—consumers should review their policies as they expire.

3. Consumers can consider having a health insurance plan that has higher deductibles. Having a plan with high deductibles ensure that the out-of-the-pocket expense would be more but you will be saving a lot on your monthly premium. So, over a long period, the compensation will bring savings for the consumers—such types of health insurance plans are ideal for consumers having good health status.

4. Consumers in California should not feel shy in trying to work with an insurance agent that offers health insurance policies from more than one company. This allows consumers to make better choices and also eliminate an ulterior motive of the insurance agent to sell his company’s policy whether it suits consumer’s needs or not.
Shaun Mike is a widely read writer on topics related to health insurance California. From tips to reviews, his articles are read with great enthusiasm and expectancy.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.

The Right Way To Buy Health Insurance
By Shaun Mike
With the deadline for the Affordability Act fast approaching, buying health insurance will soon become mandatory for all Americans. However, with all the confusion surrounding the health reforms and many states challenging the Act, purchasing a medical plan has become even more troublesome. But beyond all these troubles and confusion, the underlying fact remains the same- buying health insurance as soon as possible to avoid the any sort of fines or legal hassles.

Before actually buying a health plan, it is important to be clear about the basic facts. What are your health needs, do you need regular medical attention, what sort of premium is affordable and the benefits that you necessarily expect from your policy- answering all these questions will give a broad idea about the kind of plan you are looking for.


Now to know about the exact plan, you need to probe deeper. It is important to get detailed information about every aspect of the policy. These include the doctors and the network of healthcare service providers being offered by the policy. It is also essential to find out if the network provided is close to the place you stay or you might end up consulting outside the network quite frequently.

Before buying any health insurance, it is necessary that you read the entire policy very carefully. Prior to signing the dotted line, you should be clear about all the details in the plans – what is included, what is not, grounds of


cancelling a policy or denying a claim – be sure of what you are getting into. It is necessary that you know every detail so that later on you are not left medically bankrupt even after owning a heath policy.

A big question that may pop in your mind while purchasing a health plan is why go for a private policy when there are cheaper government options available. It is because private policies come with a few added advantages like not waiting in the queue. You can also directly consult a specialist without the recommendation of a general practitioner if you own a private plan. There are other benefits as well such as access to an individual private room.

One of the best places to buy a health plan is to get it from the internet. It is easier to get quotes and compare them online. It is also less tedious and much faster to buy a plan from a website. One can compare quotes either on the company’s portal or log onto an independent quote comparison website. Independent websites usually give you more options and unbiased opinions.

The most important step before you proceed to buy a health plan is to do a background check on the company. The insurer should be reputed, must be trusted by its customers and should not have a questionable background. When you trust your health and money with somebody leave no stone unturned to find out about the reliability of the insurance company. Buy a plan from them only when you complete believe in them.
Shaun mike is an expert advisor on buying individual health insurance in the US. His views and write-ups on cheap medical insurance plans have appeared in several online publications.

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Health Insurance Underwriting Overview
By aidanjesse
There are many different aspects of your health and habits that are taken into consideration when you have a health insurance policy underwritten. These factors work together to create the general risk that you life presents to the insurance company. It is not until all these factors are considered that your insurer can determine whether or not to issue your policy and what premiums to charge. Here are some of the main factors that health insurance underwriters consider when reviewing your health insurance application for approval.



Your medications: The medications you take give a tremendous insight not only on the prior events of your health history, but also on what your doctor thinks might be in the future. For instance, you might not have had a heart attack yet but if your doctor has you on a cholesterol medication, then it is likely that he or she thinks you may be at risk for one in the future. That indicates to a health insurance underwriter that you could be a risky bet.

Your actual health history: The events that comprise your health history give an insight not only into what your health future might hold but also in how you treat

and respect yourself. For instance, Type 2 diabetes is often caused by obesity and poor eating choices. If you have Type 2 diabetes then it is unlikely that you eat well or exercise, which puts you at risk for a whole host of additional health problems.


Your family history: DNA ruins a lot of things health wise. If heart disease runs in your family then you are much more likely to suffer from it eventually. The same can be said for cancer, obesity, diabetes and certain mental illnesses. Knowing that someone in your family has suffered with these issues could change how a health insurance underwriter views your application for coverage-even if you are in perfect health.

Your weight and height: Your weight and height indicate how well-proportioned you are. Someone who weighs 300 pounds and is 5233 is much more likely to be considered obese than someone who is 6253 and weighs the same.

Smoking status: If you are a smoker-even an occasional lighter upper-then you are putting your body at risk for cancer, lung disease, emphysema and more. This will not be looked upon favorably by the underwriters reviewing your health insurance application.
To read more of aidanjesse's comprehensive investigations on different subjects visit www.insurancehits.com/health-insurance/health-insurance-underwriting/health-insurance-underwriting-overview.html, where he frequently writes form making people aware of more things in the world.

We strive to provide only quality articles, so if there is a specific topic related to health insurance that you would like us to cover, please contact us at any time.