The following are a few great health insurance plans in the market that have very comprehensive coverage and can help you save money.
Cost-Effect California HSA Plans for 2008
Health Savings Account Plans : These plans are tax incentive health insurance plans that are growing in supply and popularity every year. Many HSA plans lack co-pays, so general coverage does not start until the deductible is met. This often lowers the cost of the monthly premium which makes these plans enticing at first glance.
Your accountant may recommend an HSA health plan because of its tax advantages. When you open a Health Savings Account through a compatible health insurance plan it allows you to put money away (up to $2850 per year now) tax free. This money can accumulate interest and can be used to pay for your medical services and Medicare premiums (when the time comes) with the use of a debit card that is authorized only for these uses. Also important, your accumulated funds and interest will rollover year to year.
Blue Cross Lumenos Plans are designed to encourage preventative care. They cover Annual Physical Exams, OB-GYN Exams, and Well Baby Care at 100%.
Some Popular HSA-Compatible Plans in the Market include:
• Blue Cross Lumenos HSA plans
• Blue Shield Shield Spectrum Savings Plans
• Aetna MC Open Access HSA Plans
• Health Net Simple Choice HSA
Click here for your free California Health Insurance quote!
Monday, January 28, 2008
Cost-Effective HMO Health Insurance Plans
The following are a few great health insurance plans in the market that have very comprehensive coverage and can help you save money.
Cost-Effective California HMO's for 2008
Saver or Value HMO's (Health Maintenance Organization): These plans provide the extremely comprehensive coverage of an HMO, but the addition of a deductible lowers the monthly premium. These plans still carry low co-pays. HMO's are a good option for women who are planning to become pregnant. The maximum-out-of pocket limit is normally significantly lower than a PPO. When the math is done to equate the difference in total spending one may get more for the money with a Saver or Value HMO.
Some Popular HMO Plans in the Market include:
• Blue Cross Saver HMO
• Blue Shield Access Value
Click here for your free California Health Insurance quote!
Cost-Effective California HMO's for 2008
Saver or Value HMO's (Health Maintenance Organization): These plans provide the extremely comprehensive coverage of an HMO, but the addition of a deductible lowers the monthly premium. These plans still carry low co-pays. HMO's are a good option for women who are planning to become pregnant. The maximum-out-of pocket limit is normally significantly lower than a PPO. When the math is done to equate the difference in total spending one may get more for the money with a Saver or Value HMO.
Some Popular HMO Plans in the Market include:
• Blue Cross Saver HMO
• Blue Shield Access Value
Click here for your free California Health Insurance quote!
Cost-Effective PPO Health Insurance Plans
The following are a few great health insurance plans in the market that have very comprehensive coverage and can help you save money.
Cost-Effective California PPO Plans for 2008
First Dollar Plans: These plans have a $0 deductible so the member is paying only a percentage (usually 40%) of the negotiated rate for services from the very start of the policy. First Dollar Plans normally carry a doctor's visit co-pay from $25 - $40. Such plans do not include maternity benefits*, which helps to keep the monthly premiums down. *This may be a concern for women, but companies that carry these plans will often let you slide into their high deductible plan (~$5000 deductible) that includes maternity benefits should the member become pregnant.
These plans include different drug options to choose from...No Rx, Generic Only Rx, or Comprehensive Rx (Brand Name).
Some Popular First Dollar Plans in the Market include:
• Blue Cross Right Plan PPO 40
• Blue Shield Active Start 25 & 35
• Aetna MC Open Access 25
• Kaiser Permenente $25 & $50 Copayment Plan
• Health Net Simple Value 30 & 40
Blue Cross Smart Sense Plans: These are really flexible plans that offer 4 different deductibles ($500, $1500, $2500, & $5000), low monthly premiums, and a very low Annual Maximum Out-Of-Pocket of $2500. No Maternity Benefits and a choice of Generic Only Rx or Comprehensive Rx.
Medical/Dental/Vision Plans: These plans carry low deductibles that are often equal to their maximum out-of-pocket limits. They also include basic dental benefits and vision exams. These plans do not include maternity benefits and only include a Generic Drug option. Such plans are marketed toward the 19-29 age group, but these plans may be appropriate at any age.
Some Popular Medical/Dental/Vision Plans in the Market include:
• Blue Cross TONIK (has 3 different deductible options) *TONIK has strict underwriting guidelines. It is advisable to consult your health insurance agent before applying.
• Blue Shield Essential Plans
Click here for your free California Health Insurance quote!
Cost-Effective California PPO Plans for 2008
First Dollar Plans: These plans have a $0 deductible so the member is paying only a percentage (usually 40%) of the negotiated rate for services from the very start of the policy. First Dollar Plans normally carry a doctor's visit co-pay from $25 - $40. Such plans do not include maternity benefits*, which helps to keep the monthly premiums down. *This may be a concern for women, but companies that carry these plans will often let you slide into their high deductible plan (~$5000 deductible) that includes maternity benefits should the member become pregnant.
These plans include different drug options to choose from...No Rx, Generic Only Rx, or Comprehensive Rx (Brand Name).
Some Popular First Dollar Plans in the Market include:
• Blue Cross Right Plan PPO 40
• Blue Shield Active Start 25 & 35
• Aetna MC Open Access 25
• Kaiser Permenente $25 & $50 Copayment Plan
• Health Net Simple Value 30 & 40
Blue Cross Smart Sense Plans: These are really flexible plans that offer 4 different deductibles ($500, $1500, $2500, & $5000), low monthly premiums, and a very low Annual Maximum Out-Of-Pocket of $2500. No Maternity Benefits and a choice of Generic Only Rx or Comprehensive Rx.
Medical/Dental/Vision Plans: These plans carry low deductibles that are often equal to their maximum out-of-pocket limits. They also include basic dental benefits and vision exams. These plans do not include maternity benefits and only include a Generic Drug option. Such plans are marketed toward the 19-29 age group, but these plans may be appropriate at any age.
Some Popular Medical/Dental/Vision Plans in the Market include:
• Blue Cross TONIK (has 3 different deductible options) *TONIK has strict underwriting guidelines. It is advisable to consult your health insurance agent before applying.
• Blue Shield Essential Plans
Click here for your free California Health Insurance quote!
California Health Insurance: The Keys To Finding The Most Appropriate and Cost-Effective Plan
CALIFORNIA'S HEALTH INSURANCE MARKET has unveiled many cost-effective health insurance plans. With a little bit of research consumers can save a significant amount of money each year by securing the most appropriate health insurance plan for themselves, their families, and their employees. In the end, they might just have more positive feelings about California's health care system.
Despite the highly visible social action efforts taking place in Sacramento to heal our health care wounds, it is likely that big changes are still a while away from taking effect. So, in the next few years there is a lot that you as employers, individuals, and families can do to quell the negative reputation that the health care system gets and start making the insurance process work in our favor.
In this age of internet shopping, more and more people each year are purchasing their health insurance plans online without knowing which plans are most appropriate for them. Most choose the health insurance plan that has a low monthly premium, but later find that this plan doesn't fit their needs or the needs of their loved ones or workers. As a result, the costs can be much greater in the long run. Usually, the most appropriate health insurance plan will end up being the most cost-effective health insurance plan, even if it isn't the plan with the lowest monthly premium.
Finding the most appropriate and cost-effective health insurance plan can be accomplished through a few simple steps:
1) Contact a professional health insurance agent from a referral or call the agency that you find online
2) Ask the right questions:
a. What is the difference between a PPO and an HMO? Which one would benefit me the most?
b. What is a deductible, co-pay, coinsurance, maximum out-of-pocket limit?
c. If I have pre-existing conditions, how will that affect my family's rate and approval probability?
d. Should I sign up separately from my family?
e. Are there $0 deductible plans available? Would this be appropriate for me? Why? Why not?
f. If I get declined, what are my alternatives?
g. Which plans am I more likely to be approved or declined for?
3) Learn about the different types of health insurance plans in the market. This will only take a few moments to understand.
Becoming educated about the health insurance market is not as daunting, as difficult, or as time consuming as most of us are afraid of. In fact, a trustworthy and professional health insurance agent will be able to help you narrow down your choices so that you may choose the most appropriate plans for you, your family, or your employees in just a few minutes.
The next time you are searching for health insurance in California, please take the above suggestions to heart. Asking the right questions will make you a more proactive, educated, and responsible consumer and the knowledge that you gain will not only help you to find the right health insurance plan, but will relieve you from future aggravation and will save you valuable time and money in the long run.
Click here for your free California Health Insurance quote!
Despite the highly visible social action efforts taking place in Sacramento to heal our health care wounds, it is likely that big changes are still a while away from taking effect. So, in the next few years there is a lot that you as employers, individuals, and families can do to quell the negative reputation that the health care system gets and start making the insurance process work in our favor.
In this age of internet shopping, more and more people each year are purchasing their health insurance plans online without knowing which plans are most appropriate for them. Most choose the health insurance plan that has a low monthly premium, but later find that this plan doesn't fit their needs or the needs of their loved ones or workers. As a result, the costs can be much greater in the long run. Usually, the most appropriate health insurance plan will end up being the most cost-effective health insurance plan, even if it isn't the plan with the lowest monthly premium.
Finding the most appropriate and cost-effective health insurance plan can be accomplished through a few simple steps:
1) Contact a professional health insurance agent from a referral or call the agency that you find online
2) Ask the right questions:
a. What is the difference between a PPO and an HMO? Which one would benefit me the most?
b. What is a deductible, co-pay, coinsurance, maximum out-of-pocket limit?
c. If I have pre-existing conditions, how will that affect my family's rate and approval probability?
d. Should I sign up separately from my family?
e. Are there $0 deductible plans available? Would this be appropriate for me? Why? Why not?
f. If I get declined, what are my alternatives?
g. Which plans am I more likely to be approved or declined for?
3) Learn about the different types of health insurance plans in the market. This will only take a few moments to understand.
Becoming educated about the health insurance market is not as daunting, as difficult, or as time consuming as most of us are afraid of. In fact, a trustworthy and professional health insurance agent will be able to help you narrow down your choices so that you may choose the most appropriate plans for you, your family, or your employees in just a few minutes.
The next time you are searching for health insurance in California, please take the above suggestions to heart. Asking the right questions will make you a more proactive, educated, and responsible consumer and the knowledge that you gain will not only help you to find the right health insurance plan, but will relieve you from future aggravation and will save you valuable time and money in the long run.
Click here for your free California Health Insurance quote!
Today's Health Insurance Jungle: A Good Health Insurance Agent Can Guide you Safely Through
Choosing between health insurance companies and health insurance plans can be a daunting task if you do it on your own. I’ve heard many people compare it to finding your way through a dense, foreboding jungle. It is easy to get lost and entangled, and everything looks the same at first glance. There are so many health insurance companies and health insurance plans, premiums and co-pays to sift through that finding the right health insurance coverage can easily make your head spin.
Responsible adventurers hire a guide to take them through the health insurance coverage jungle. A trained health insurance agent, who knows the terrain, can foresee problems and present alternatives that can lead you safely through. So why wouldn’t you do the same when it comes to purchasing health insurance coverage? A health insurance agent is a crucial tool that we can all use to help us find the best health insurance coverage at the best rates for ourselves and our families.
Your health insurance agent is not only your guide, but also your teammate. Tackling this task alone with a computer and a phone can be a painstaking process. Dealing directly with the health insurance companies will put you in touch with phone operators that are less likely than an agent to know how to find the most appropriate health insurance coverage for you and/or your family. Furthermore, a qualified health insurance agent that you come to know personally will become your advocate through this process and help you overcome any challenges you are faced with at the time of application or once you have secured a health insurance plan.
Has this ever happened to you? You have a pre-existing condition and are having tremendous difficulty finding health insurance companies who will cover you. You become discouraged and are left with no place to turn. Trying to work the arduous process of overturning a health insurance company’s decision can be virtually impossible and can take months before you receive that all-but-certain decline notice once again. The right health insurance agent can help you open doors that wouldn’t otherwise be available to you. He/she can expedite the underwriting process, anticipate all paperwork the carrier will need, know of alternative plans with lower underwriting guidelines, and keep in daily contact with the health insurance company to force a decision in days rather than months.
Here are a few practices that a good health insurance agent will use to find the best way to get you and your family approved:
· Requesting a "Probable Outcome" report from the underwriters based on your pre-existing conditions. This will allow the health insurance agent to construct an appropriate game plan far in advance of any potential delays from the health insurance company
· Finding out upfront if medical records will be requested, and if so, sending an authorization form to you to fill out and return immediately (without a proactive health insurance agent, this process alone can take weeks)
· Staying in close contact with the doctor’s office to rush the return of medical records or even request a recommendation letter for insurance, from the doctor
· Finding a health insurance plan that you will more likely be approved for in the first place (for example, if you take medications but are not ill, you may be eligible for a plan that does not include prescription drug coverage or only includes coverage for generic drugs)
Selecting and securing health insurance coverage does not have to be an insurmountable adventure. With pre-existing conditions, lapses in health insurance coverage or any other irregularities, you can still obtain coverage. It just requires assistance from a professional that knows the proper pathways to take. And even better, you don’t have to pay any extra charges for the services of your health insurance agent. They are compensated elsewhere.
Don’t put yourself through the time-consuming, frustrating hassle of navigating the health insurance jungle on your own. Your health insurance agent is your guide and his/her experience and expertise is the blade – clearing the way for you towards a future of safety and security.
Click here for your free California Health Insurance quote!
Responsible adventurers hire a guide to take them through the health insurance coverage jungle. A trained health insurance agent, who knows the terrain, can foresee problems and present alternatives that can lead you safely through. So why wouldn’t you do the same when it comes to purchasing health insurance coverage? A health insurance agent is a crucial tool that we can all use to help us find the best health insurance coverage at the best rates for ourselves and our families.
Your health insurance agent is not only your guide, but also your teammate. Tackling this task alone with a computer and a phone can be a painstaking process. Dealing directly with the health insurance companies will put you in touch with phone operators that are less likely than an agent to know how to find the most appropriate health insurance coverage for you and/or your family. Furthermore, a qualified health insurance agent that you come to know personally will become your advocate through this process and help you overcome any challenges you are faced with at the time of application or once you have secured a health insurance plan.
Has this ever happened to you? You have a pre-existing condition and are having tremendous difficulty finding health insurance companies who will cover you. You become discouraged and are left with no place to turn. Trying to work the arduous process of overturning a health insurance company’s decision can be virtually impossible and can take months before you receive that all-but-certain decline notice once again. The right health insurance agent can help you open doors that wouldn’t otherwise be available to you. He/she can expedite the underwriting process, anticipate all paperwork the carrier will need, know of alternative plans with lower underwriting guidelines, and keep in daily contact with the health insurance company to force a decision in days rather than months.
Here are a few practices that a good health insurance agent will use to find the best way to get you and your family approved:
· Requesting a "Probable Outcome" report from the underwriters based on your pre-existing conditions. This will allow the health insurance agent to construct an appropriate game plan far in advance of any potential delays from the health insurance company
· Finding out upfront if medical records will be requested, and if so, sending an authorization form to you to fill out and return immediately (without a proactive health insurance agent, this process alone can take weeks)
· Staying in close contact with the doctor’s office to rush the return of medical records or even request a recommendation letter for insurance, from the doctor
· Finding a health insurance plan that you will more likely be approved for in the first place (for example, if you take medications but are not ill, you may be eligible for a plan that does not include prescription drug coverage or only includes coverage for generic drugs)
Selecting and securing health insurance coverage does not have to be an insurmountable adventure. With pre-existing conditions, lapses in health insurance coverage or any other irregularities, you can still obtain coverage. It just requires assistance from a professional that knows the proper pathways to take. And even better, you don’t have to pay any extra charges for the services of your health insurance agent. They are compensated elsewhere.
Don’t put yourself through the time-consuming, frustrating hassle of navigating the health insurance jungle on your own. Your health insurance agent is your guide and his/her experience and expertise is the blade – clearing the way for you towards a future of safety and security.
Click here for your free California Health Insurance quote!
Subscribe to:
Posts (Atom)
