Family Health Care Plans – How To Get The Best Rates and Value!

All Health Insurance Plans are Not The Same

If you are shopping for a new family or individual health plan, and if you were previously covered by a company group policy, you may be in some unpleasant surprises. It is true that most people who are covered by group health plans do not understand how much the whole package of insurance costs. Their old company probably chipped in a large part of the premium every month, and so the individual only saw a smaller deduction come from their paycheck. That is, if they paid attention at all!

Then, when you look for individual health insurance for yourself, you will hear new terms like PPO, Deductibles, Yearly Maximums, Tiers, Waivers, Exclusions, and copays. You may understand some of it, but you may not really have noticed these concepts before, and that can make your shopping job more challenging!

Furthermore, your policy insurance rates are based on several factors. For the exact same health care plan, an applicant’s age, general health, zip code, and health habits will influence the final premium that a health insurance company will offer. So a general ballpark estimate based on a health plan and age is seldom accurate. An individual may have their rate increased for high blood pressure or they may earn a discount for keeping their weight in a normal range. Furthermore, some companies may be more generous with their discounts. Some individual companies, however, may be more quick to rate premiums up for health risks, or to decline an offer of to cover you altogether.

Don’t Give Up

The best way to find your own local medical policy, and to compare the costs of these plans, is to be able to enter your information one time, and then get back competing major medical insurance quotes. You should be able to compare prices for different coverage levels from one company, and also to compare plans from multiple health insurance companies!

It will also help to speak to an experienced local insurance agent. He or she will know the products that are sold in your area, and also which plans are likely to accept your family with the best rates. An experienced agent should also listen to you and understand your expectations. That agent may help you find a product to meet those expectations, or may have to suggest you cut back on some benefits in order to find a more affordable health insurance plan.

In the event that one or more people in your family cannot be accepted by a private insurance company, a good insurance agent will be able to tell you where to find a state high risk health insurance plan as well. Even though the agent may not make any money by directing you to a high risk health plan they should get your good will. In turn, you will be likely to refer that agent to your friends.

Many online systems can help you compare plans online. They also give you contact information for local agents who can give you additional information and help you apply for a policy. This is a great way to use the internet to save time and money while still getting personal help.

Alternative Health Methods – The Hunt For Better Health

Alternative Health Methods vs. Traditional Western Medicine, this is the great debate that seems to be rising in our society. The lines are being drawn between the two; those who won’t take anything natural without their doctors seal of approval or those who are choosing to explore alternative health methods.

In the United States, we have the best Emergency and Trauma treatment in the world. From that stand point, our hospital care can not be beaten, especially if, heaven forbid, you are in a serious accident or in need of a transplant. However, what about the every day health problems such as high cholesterol, high blood pressure, the epidemic of diabetes, chronic fatigue syndrome, fibromyalgia, depression or acid reflux? Is a little purple pill really what your body needs? Are these really diseases or symptoms of your body is trying to tell you something?

Many people have been caught up in what is being described as the medical madness of traditional western medicine. They have to deal with doctors who work from tests that sometimes don’t indicate that anything is wrong, which means more testing or finding a different doctor and having to start the testing process all over again. Occasionally in some cases even a visit to a psychologist is suggested. Traditional medicine relies heavily on doctor’s tests, and when they don’t show anything, many times they are at a loss as to what to do next. As a patient, this can be very frustrating; therefore, many people have chosen to take matters into their own hands and look outside the medical box.

At this point the question that many are asking themselves is, is there a better solution to better health? And so this is where the journey to the other side of the line begins.

Some believe it is God that made mankind in his image, so it stands to reason that God would have also supplied the world with the natural means to take care of, and heal, our bodies with things that He put on the earth. In other words, supplying your body with the natural nutrients that it needs before disease sets in; and if perhaps it is too late, and disease has all ready set in, to give your body the nutrients it needs to help heal it’s self.

Many people are opening their minds to a larger way of thinking about their own health and prevention of disease. Many in the world believe that it is an unrealistic view that the only way to treat disease is through western medicine. After all, when you look at statistics on the health of nations, the USA doesn’t rank very high. Shouldn’t that tell us something? Many feel that they have been a part of what has been described as the circus of modern western medicine and survived, but have come out with no medical solutions. Many have felt that they had nothing to loose with trying alternative medicine. With so many people around the country coming to the same conclusion, it is hard not to at least consider that alternative health methods do have a place in our society. So many people say they are tired of taking drugs that their doctors continually prescribe, so the tide may be turning as more and more people choose to take their health situations into their own hands and seek out alternative health methods. It has been predicted that the nutritional health industry alone will grow to be a trillion dollar industry in the next 5 to 10 years.

Certainly everyone needs to be aware that not all alternative health methods are safe. There are some crazy or unsubstantiated alternative health methods out there. Just like anything else, you need to use common sense, and use a buyer beware approach. Read and study about the product and or treatment you are considering. See if you can speak with people who have already used the product or treatment. Does the information that they are giving you make sense on how it is working for them? What is the risk and cost involved in trying the product or treatment? Do they offer any money back guarantees if you are not satisfied? Realize that if a product or treatment does not work for your particular health issue, it doesn’t necessarily mean it’s not of any value, it may just not be what your body needs at that particular time to help heal itself. You also need to be prepared for some trial and error, but isn’t that what you have with the traditional medicine too?

One of the easiest, and most beneficial things that anyone can do when they are looking to improve their health naturally is to start with nutrients. Nutrients consist of vitamins, minerals, phytonutrients and many sub categories. Start with a good product that supplies you with the basics in an easily assimilated form. Remember to give whatever the product is time to work. You didn’t get sick overnight and you shouldn’t expect to get well overnight. If you research the poor quality of most of our food, and the life styles we lead, it’s easy to see why we aren’t staying healthy. Many think that if you are of the belief that what we eat doesn’t affect the state of our bodies, you are fooling only yourself. You should also know that all vitamins aren’t made equal, so you should look for quality, not price only, when looking for good nutrients. Don’t overlook the fact that there are some excellent functional health beverages available that provide great benefits for the body. And of course, exercising and learning to eat better foods is very important for having a long term healthy body.

If you have a particular health issue that you are dealing with, don’t limit yourself. Do plenty of research on what is on the market that might help you; see what the traditional western medicine and alternative health options are. If by chance you don’t have a diagnosis, research your symptoms and go from there. Also, seek the help of other types of health professionals such as homeopathic doctors, chiropractors, nutritionists, etc.

Take the first step in finding the best solution by taking control of your own health. Who would have any greater interest in your health than you? Make up your own mind about what is best for your body. The great thing about living in America is that we have the choice between alternative health methods or traditional western medicine.

Medical and Health Services Managers – Career Opportunities

Health services managers and medical managers coordinate, supervise, plan and direct health care services delivery. They may establish and implement policies, objectives, and procedures for their departments; evaluate personnel and work; develop reports and budgets; and coordinate activities with other managers. hey also may help formulate business strategies and coordinate day-to-day business.

There are about 250,000 medical and health services managers in the U.S. Almost half work in private hospitals, in offices of physicians or in nursing care facilities. The rest work mostly in home health care services, Federal Government health care facilities, ambulatory facilities, outpatient care centers, insurance carriers, and community care facilities for the elderly.

For general work in this field, a master’s degree in health services administration, long-term care administration, health sciences, public health, public administration, or business administration is normal. A bachelor’s degree is adequate for some positions. Physicians’ offices and some other facilities may substitute on-the-job experience for formal education.

Bachelor’s and post-graduate degree programs in health administration are offered by colleges; universities; and schools of public health, medicine, allied health, public administration, and business administration. In 2005, 70 schools had accredited programs up to the master’s degree in health services administration. As one seeks higher positions, they will need adequate experience and perhaps an advanced degree.

All States and the District of Columbia require nursing care facility administrators to have a bachelor’s degree, pass a licensing examination, complete a State-approved training program, and pursue continuing education. Some States also require licenses for administrators in assisted living facilities. Health information managers require a bachelor’s degree from an accredited program and a Registered Health Information Administrator (RHIA) certification from the American Health Information Management Association. A license is not required in other areas of medical and health services management.

Medical and health services managers must be able to:

o work long hours,

o spend considerable time walking, to consult with co-workers,

o manage expensive facilities and equipment and administer large staffs (depending on the facility one works at),

o understand finance and information systems and be able to interpret data,

o have strong leadership abilities,

o Have tact, diplomacy, flexibility, and communication skills.

Employment of medical and health services managers is expected to grow faster than average. If you have work experience in the health care field and strong business and management skills you should have the best opportunities.

How Much Do Medical and Health Hervices Hanagers Earn?

Median annual earnings of medical and health services managers were $67,430 in May 2004. Half of the managers earned between $52,530 and $88,210. The lowest salaries were less than $41,450, and the highest were more than $117,990.

A Day in a Medical and Health Hervices Manager’s Life:

On a typical day a Medical and health services manager will:

o direct activities in clinical areas such as nursing, surgery, therapy, medical records, or health information,

o manage personnel, finances, facility operations, and admissions,

o evaluate personnel and work; develop reports and budgets; and coordinate activities with other managers,

o maintain and keep the security of all patient records.

o coordinate day-to-day business of the clinic,

o work closely with physicians on many details,

o oversee personnel matters, billing and collection, budgeting, planning, equipment outlays, and patient flow,

o Engage in community outreach and preventive care.

The Health Insurance Basics For Individual and Family Health Medical Plans

Let’s start with the basic terminology with health medical plans (health insurance). There are three basic coverages to a plan, the deductible and coinsurance (coins) and the frequently used copay. I will explain them below.

Deductible: This is what you pay out of your pocket before the insurance company pays any claims. Deductibles are on an annual basis and reset every January first. This is similar to your car or homeowners insurance policy.

Coinsurance: Once you meet your annual deductible, the insurance company shares some expenses with you until you reach your annual maximum out of pocket. Plans are written as 80/20 plans or 90/10 plans, they always add up to 100%. This is not unlimited there is a stop loss for you.

Co-pay: A co-pay is the amount you pay for a visit to the doctor (HMO or PPO plans) or a pharmacy prescription plan. The copay has nothing to do with the annual deductible and not all plans have co-pays.

What should a family look for when buying health insurance?

If you see the doctor a lot or your children frequently need a doctor’s care you may want a Health Maintenance Organization (HMO) plan. An HMO is a type of plan that has a network of doctors and facilities that you must go to for health care. Your health insurance company will have a list of doctors for you to choose from and the doctor you choose is the doctor you must go to when you feel sick. You the patient is responsible for when you visit a health care facility with a co-pay, this is good for an individual or family with children that need to see the doctor many times in a year.

If you’re a person who does not go to the doctor a lot except for a checkup, you may want a PPO plan. These insurance plans have a network of providers that you can go to receive health care at a discounted or negotiated rate. Although there is a network of doctors who agree to the negotiated rate not all do and these are considered out of network. A PPO health plan allows you to go to out of network doctors but you will be responsible for the higher non-negotiated cost of health care.

The greater the insurance coverage, the higher the premium that you need to pay for individual and family health insurance.

Buying Health Insurance Online
The internet is a powerful way to shop for insurance. Most health insurance quotes from websites will let you run comparisons of all types of plans from all the top health insurance carriers. You can search and purchase insurance online without the need to talk to an agent. The prices for insurance plans are state mandated and no one website can give you a better quote than another. Buying direct from the insurance company won’t save you money either, everybody has the same price. Working with an agent gets you free advice and helps you sort out plans that are best for you. So shop online, there is no obligation to buy and you can complete applications right online.

Reasons Why Everyone Needs Health Medical Insurance

Health Insurance is a significant safety measure desirable to all persons for making sure a financial support as long as any medical mishap in the family. They not simply cover up any unforeseen expenses of emergencies but cover up routine and precautionary health care procedures too.

Health medical insurance is required by everybody for various reasons, not the least of which is the price of common medical care. While you might be able to get a number of medical facilities willing to proffer 10 percent discounts on visits devoid of medical insurance, this does not constantly assist you. For instance, the appointment to the physician might be inexpensive; but the lab work will not be. It is the lab work, ultrasounds, X-rays, blood analysis and other machines and procedures that really charge the most.

There are agencies in the government proffer low-priced health or medical insurance. One could try to find for companies that proffer cheap insurance as well. With cheap rate insurance, one could be convinced that he could provide the best medical consideration for his family in the occasion that one need medical cares that can be extremely expensive.

These are some significant things to recognize regarding the low-priced health/medical insurance. It is significant that one is extremely conscious on what are the things that integrated to the plan he is planning to obtain. Furthermore, he must constantly think about his family as his very own reason why he wants to obtain health insurance.

One of the major operating costs in today’s modern society is the expenditure of health insurance. Over the last hundred years, the population has augmented so radically that any country would have complexity giving universal health care, particularly with every of the modern advances that we have nowadays and the large sums of money that nearly all medical doctors and hospitals create.

There are numerous kinds of plans obtainable in health medical insurance. Nearly all of the plans will be relative to the state in which you exist. Particular states have dissimilar policies for what they will cover up. Actually, moving from one state to the next might break off your coverage, particularly if you have a pre-existing situation. A pre-existing situation enclosed by one company in one state might not move. There are a lot of things to be careful of when selecting health insurance, not the least of which is ensuring that any pre-existing situation, even with no any type of lapse in health coverage, will still be enclosed.

Selecting the Right Health-Medical Tourism Package

You should be knowledgeable to check your priorities for medical travel abroad upon inquiring a few medical tourism facilitators. Your priorities must closely match to the information of medical tourism providers.

Your surgery package begins with registering with the medical tourism provider. Knowing your priorities, the healthcare professionals give you cost estimate. Upon checking your financing options, the cost estimate and your health-medical tourism package will be conformed against the selected destination country and healthcare provider respectively. The type of surgery also is another major concern.

The destination country, the health provider and the surgeon is introduced to get familiarize along with your first consultation. Your medical tourism provider will arrange for video conferencing with your specialist abroad allowing you to express your health concerns, the recovery period, gaining self-confidence on the surgeon’s ability and your treatment options. The specialist will review your medical records and will ask you to get yourself prepared by giving some prescriptions or precautions to follow.

You will be assigned a personnel care manager who will take care of your itinerary of the whole travel destinations including the tourist locations, paper work for travel, contacting with host country manager and are included, be assigned to you. Upon your departure from your home country, the host country manager will receive you and proceed to the hospital for registering at the hospital.

The host manager will give you all the necessary information about the local travel, important phone numbers and hand phone to keep in touch with your family abroad and arrange for your next consultation with your specialist. Your specialist examines your health condition; perform any diagnostic tests required for your surgery to know the disease maturity. You should be able to convey any other troubling health condition so that it is taken care and do not obstruct surgery’s success. Your surgery dates and recovery periods are conformed to you.

Your post-surgery treatment will be detailed which has to be followed with strict adherence. Your discharge summary, medical records and relevant prescription for post-surgery treatment are transferred to your local physician in your home country. You can opt for telemedicine option in your home country as part of your post-surgery treatment.

Getting yourself prepared for the medical travel

You should know some important information before your travel. Your passport and visa validity should be in line with your tentative surgery dates and recovery period. Your itinerary should include additional few days in case of your recovery period extension. Your medical and insurance documents, if any, should be handy all the time. You should be able to furnish them when necessary.

It is important for the host manager to know about your dietary regimen. He should advice you about nearest ATMs, which accept MASTER or VISA credit cards to meet any emergency and local expenses. Planning in temperate weather conditions will allow your immunity to faster recovery and hence you should carry appropriate clothing.

Your host manager should also inform you about local culture, language spoken and make sure the medical tourism provider assist you in keeping a translator if there is any need. Planning for recreational activities should be on the advice of your specialist.

Is Your Health Medical Insurance Adequate For Your Needs?

Health medical insurance is needed by everyone for a variety of reasons, not the least of which is the cost of general medical care. While you may be able to find some medical facilities willing to offer 10 percent discounts on visits without medical insurance, this does not always help you. For example, the visit to the physician may be discounted; however the lab work will not be. It is the lab work, ultrasounds, Xrays, blood analysis and other machines and procedures that actually cost the most.

There are several types of plans available in health medical insurance. Most of the plans will be relative to the state in which you live. Certain states have different policies for what they will cover. In fact, moving from one state to the next may interrupt your coverage, especially if you have a pre-existing condition. A pre-existing condition covered by one company in one state may not transfer. There are many things to be cautious of when choosing health insurance, not the least of which is making sure that any pre-existing condition, even without any kind of lapse in health coverage, will still be covered.

You will need to look over the health medical insurance that your employer provides. There are different policies even within a business. Some employers offer an HMO rather than PPO plan. They may also pay a portion of your health insurance. To make sure that you are getting the coverage you need and at a decent rate from your employer, you will need to compare policies. You also need to make sure that the insurance will be enough for you. Some types of health care insurance may not be enough coverage through an employer for certain conditions.

When you are self employed or unemployed, there are still options out there for you. Medicaid is available for those who cannot get insurance through a regular insurance company. In other words, if you can’t afford the insurance from another company or they will not cover you, Medicaid is an option. For self employed individuals, most companies will offer you insurance. The coverage will be based on the needs you specify on the application. This could mean that you chose a plan for its affordability rather than its realistic help. Unfortunately, this is a fine line that many employers cross, and the days when an employee could just ASSUME that they are getting adequate health insurance coverage are long since past.

For example, insurance with a higher deductible can be harder to reach; however you typically get a better plan because of this higher deductible. The PPO will normally pay 80 percent to your 20 percent for a doctor’s visit. Medical coverage for pregnancy can also be offered, as long as the coverage is received before pregnancy becomes a pre-existing condition. You need to fully understand your medical health insurance coverage requirements before you can choose a plan that will work for you.

With self coverage policies in health medical insurance, you need to make sure the deductible you choose is something you will reach in order for the insurance to help you. You also need to make sure that the insurance company is one you can trust and that offers straightforward information regarding the policy. The legal jargon on a policy can be very confusing, but the representatives of the insurance are there to answer any questions. And if you do not ask questions, do not assume you know the answers, because in this day and age of cost cutting wherever and whenever possible, the “obvious” answer is not always the right one.

What is a (Copayment) Copay in Health Medical Plans?

The copay is a flat payment that is the responsibility of you the patient that is assessed per event or visit. Each insurance company has different level of copays and your Doctor office staff will advise you at your time of the visitation what you’re out of pocket charges are for that visit. The medical office staff will submit the remainder of the bill to your insurance company as long as you are with an in network provider.

Some health medical plans also have separate copays for emergency room visits, lab testing, chiropractor visits and specialists. Read your health medical plans coverage of benefits booklet for more specifics on your plan prior to seeking medical attention. Your medical ID card issued by your insurance company also has your copays printed on them for ease of use and for the easy read for the Doctors office staff.

Copayment is the amount of money paid by you at the time of service for certain medical services and prescription drugs; these can range from $10 to $50 depending on your health medical plans. Copays do not apply to deductibles or out-of-pocket maximums. Health medical plans copays cover the office visit and preventive care when using in network providers and depend on whether the doctor is a general care physician or a specialist.

Example of how a copay might work in Health Medical Plans: You, the patient visit the doctor for a cold. You pay a $20 copay at the time of visit. The Doctor office bills the insurance company $100 for the negotiated price of the visit. Because the Doctor is contracted “in-network”, the insurance company only allows $100 to be charged for the office visit. Since $20 has already been paid by you the patient, they send a payment to the Doctor of the remaining balance due of $80.

If your health medical plans have a pharmacy (drug) card you may also have copays included with that benefit. These copays can have multiple tiers depending on the drug prescribed and how the insurance company has classified them. There is typically generic level; brand name (formulary) level and a brand name (non-formulary) level each at different copays.

To help save on your health medical plans premiums, you can adjust your copays higher or lower. The higher your copays the lower your insurance premium will be. It is best to see how you and your family utilize your health medical plans prior to making any changes to your plan design. Most families with young children find it beneficial to keep their copays low as they most often use them for children annual exams and often times many colds during the year. If your children are older and don’t visit the Doctors office regularly it may pay itself in savings to raise your copays to a higher level.