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How To Get Cheap Health Insurance Online In Maryland

How To Get Cheap Health Insurance Online In Maryland


For many people health insurance has become so expensive that they are forced to do without it.
Unfortunately this leaves them wide open to the financially devastating effects of a catastrophic illness or a severe accident, which can wipe out a lifetime of savings and decimate other assets in the blink of an eye.

The health insurance crisis has gotten so bad that almost 17% of all Maryland residents no longer have any health coverage at all, and more than 50% of Maryland residents admit that keeping their health insurance is a severe financial burden. It won’t take much to push many of these people over the edge and create a health care nightmare.

Fortunately there are things you can do to help keep the cost of your health care down – and for many people it may be necessary to completely re-think the reason for having health care insurance in the first place.

But let’s start with a few simple things you can do to help keep your health insurance premiums as low as possible.

First, if your company offers group insurance you need to consider participating in it. Group insurance is almost always less expensive than individual health insurance.

Of course, if you are self employed or if your company doesn’t offer insurance then this won’t be an option.

Don’t smoke or use tobacco products – and if you already do, stop. The amount of money you can save on health insurance if you don’t smoke is significant. Think about it.

Consider increasing your current co-payment. Your co-payment, or copay, is the percentage of your doctor visit charges that you pay out of your own pocket, and the percentage of your lab work and other medical expenses that you pay. Increasing your copay from 25% to 50% can dramatically decrease your monthly health insurance premiums.

But even with these savings health insurance may still be too expensive for many people. Some people may be forced to re-think health insurance entirely and look at health insurance as a safety net for the protection of your assets and not as a way to pay for routine health care.

By this I mean people may want to look at purchasing a low-cost high-deductible health insurance policy. Such a policy, with a deductible of $2,000 or even $3,000, would pay nothing at all for your routine doctor office visits or routine lab work or most out-patient surgery. You would pay those health expenses yourself.

Where your health insurance comes into play is any time you have a major illness or a catastrophic accident, the type of medical emergency that can cost tens or even hundreds of thousands of dollars in just the blink of an eye.

In this way low-cost high-deductible health insurance is used only to protect your life savings, your home and other assets that you may have acquired over a lifetime.

But whether you choose to go the low-cost high-deductible route or take the more traditional path, the best place for you to get cheap health insurance is online. The multitude of health-insurance-comparison websites makes it relatively quick and easy to compare policies and prices, allowing you to create the perfect policy for your needs at a price that you can afford.

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Get The Most Out Of Your Health Insurance Venture With These Tips

HCAN Rapid Response Columbus 7/22/08
Source: Flickr

Health insurance is a worthy investment for people of all ages. There are numerous coverages and companies available to choose from. Make sure you know ahead of time what you want your health insurance to cover and find a company that is reputable. The tips below are certain to be of help in your search for the right health insurance.

If your health insurance claim is denied, always appeal the denial. While some claim denials are justified, it is always possible that a simple error on your part or your insurance company’s has flummoxed a claim that has no real problems. Accepting an initial claim denial without making an appeal is a very premature – and expensive! – step to take.

Customize your health insurance policy to meet your needs and keep your premiums as low as possible. For instance, some policies charge more for maternity care. If you are a single male, you do not need that coverage. Deleting it can reduce your premiums. Only choose the health insurance options that you need so that the cost of insurance is minimized.

Do not lie about anything when taking out a health insurance policy. It might be tempting to omit certain details. Resist the urge and be completely honest. A little white lie can make your entire policy useless. You do not want to find yourself stuck with the bill if you happen to get hospitalized and caught in a lie.

Here is some health insurance information you have probably never heard before- women who have given birth by caesarian section are charged higher health insurance premiums and are sometimes rejected for health insurance altogether. Having a c-section once can often lead to more c-sections in future births. Insurance companies do not want to pay the high cost for c-section births and are looking for ways to get out of it. So, if at all possible, have a natural childbirth, and you will save money on health insurance costs.

Before choosing an insurance plan, make sure you understand your needs. Look at your medical history: what kind of services do you use the most? Do you have recurring issues? Do you travel often? Once you have a better idea of what kind of coverage would save you money, you can choose a plan wisely.

Always be honest with a health insurance company, especially when you are applying for a policy. Insurance companies regularly check on their clients to make sure they are truthful about their medical history. If you have not been, that is grounds for denial of coverage, or even canceling a policy that is already in place.

To lower the deductible costs of your health insurance, choose a plan whose network includes your primary care doctor as well as your preferred specialists. This will save you from paying a fee to continue to visit your primary care doctor and from paying fees to see your preferred specialists.

Choose the health insurance company and coverage that addresses all of your needs; you may need to compromise in some cases as your funds allow. Make sure that you understand the upfront costs and benefits of your future coverage. Stick to the tips from this article for a positive health insurance investment that will ensure your health.

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Products Available In The Wellness Industry

Products Available In The Wellness Industry

You will be surprised at the number of different types of products that are available in the wellness industry. There are so many different brands and types of products that it would literally take a book to list them all. It is understandable why the wellness industry is one of the fastest growing markets today with so many new products coming out daily to meet consumer needs.

Skin care is a big issue and concern for many people. Teens are worried about being plagued with acne. Even adults are prone to embarrassing acne outbreaks. You will find that there are not only skin care products for acne but for dry skin, oily skin, anti-wrinkle products, and many other products. Skin care items are a huge product market for the wellness industry.

Hair products are another big marketer in the wellness industry. Both men and women are worried about the effects of aging and there has been a boom in the hair replacement and hair growth products in the market. Consumers are even using nutritional supplement products to stimulate hair and nail growth as well as maintain a healthy skin glow.

Not only are people concerned about their hair, skin and nails, but there has been a surge in the weight loss industry. Virtually any product relating to weight loss is going to sell. Consumers are trying all types of weight loss products such as natural supplements, special meals, memberships to online weight loss clubs, fitness products, books, DVDs and more.

The fitness industry alone is experiencing huge growth in the wellness industry. More and more buyers are purchasing fitness equipment and fitness accessories to use in their homes. People are more active in recreational as a sport, which means a growth in sports equipment as well as sports clothing and accessories.

Additionally, people are buying DVDs, VHS tapes, and even books on how to improve their game in various sports such as golf. There is huge market for electronic books, videos and more for people to learn how to play games better and to even learn new exercise routines such as Pilates.

Herbal supplements have become a strong rage in the wellness industry. People are seeing more and more warnings and precautions coming out for medications and prescriptions that they have been using. As a result, many people are turning to alternative healing options to find relief for aches and pains.

Herbal supplements are also being used to increase libidos, promote anti-aging and many other things. Herbal teas have become increasingly popular for weight loss, relaxation, anti-aging effects and more.

As you can see there are numerous products available in the wellness industry today. This article just barely covered the tip of the iceberg of the thousands of items available for buyers that are concerned with health issues and fitness issues. The trend will not simply fade out and disappear. There is continued growth in the wellness industry anticipated for many years to come. If you are new to this industry, you have joined in at the best time while new companies and products are forming daily.

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Health Insurance For You And Your Family, Tips To Find The Best Options. 2

Health Insurance For You And Your Family, Tips To Find The Best Options.

Peasants-2
Source: Flickr

Trying to figure out which health insurance to buy is almost as difficult as doing your own taxes. You need information and solid advice in order to choose a health insurance that works for you. The tips in this article will help you focus on the important things without getting overwhelmed by details that do not matter.

Health insurance may not completely cover the cost of birth control or well-woman visits with your physician. An alternative to a regular gynecologist is Planned Parenthood, which offers exams, counseling and birth control on a sliding scale, meaning the amount you are charged is based on your ability to pay. County health clinics may also offer these services.

Buying any kind of insurance, including health insurance, is all a numbers game. You want to balance the coverage you have very carefully. If you pay too much than you are losing money monthly, however if you pay too little you will be under covered when you need it most. Analyze both sides very carefully.

If you are self-employed, you should always deduct your health insurance payments for tax purposes. This is a great way to save yourself a large amount of money at tax time. Health insurance payments are taken as above-the-line deductions, and they reduce the amount of your adjusted gross income whether or not you decide to itemize.

Unless you are actually suffering an emergency, you should always avoid the emergency room unless you want huge charges on your health insurance bill. A doctor’s visit is far more affordable. If you plan it in advance and do not waste the hospital’s resources and time, you will not have to pay a lot of money for your visit via deductibles.

Buying health insurance is one of the most confusing things you can purchase. You will need to find a reputable insurance company with an agent you can trust. You need to be as honest as possible on your application, and you should make sure you purchase only what you really need.

Many colleges and universities offer group health insurance policies, so if you aren’t covered under your parents’ policy, this can be a great way to get relatively cheap insurance. Many alumni organizations offer group insurance to graduates, so you can use this to cover you after your graduate from school and before you get employer insurance.

Take your time when shopping for a new health insurance plan. The last thing that you want to do is rush this decision. It could end up costing you hundreds of thousands of dollars in the future if you rush to enroll in a program that is not right for you and your family.

It is easy to focus on the wrong things when trying to choose a health insurance plan. There are so many different plans and it can be very confusing. Following the advice in this article should help you focus on what is important and help you know how to make the best decision for you.

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Different Types of Health Insurance in California

Different Types of Health Insurance in California

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Source: Flickr

Whether you buy group or individual health insurance in California, the options you have regarding the different types of health insurance are generally the same. In some groups you can even choose from available plans. These different types are traditional health insurance, health maintenance organizations (HMOs), and preferred provider organizations (PPOs).

California goes beyond the Federal requirements for offering health insurance to its residents. Examples of this include Industry Advantage plans (IAHP), short-term health policies, Insurance for high risk Individuals and special plans for children and teens.

Additional Health Insurance in California
The traditional health care delivery system is based on a fee-for-service type of arrangement. In a fee-for-service system, you pay or each itemized medical service you receive. In the days of the frontier, “Doc” often received a chicken as payment. Today, physicians are paid with money, lots and lots of it. Fee-for-service health insurance recognizes this practice and is designed to reduce or even eliminate your duty to pay directly for your medical care. Traditional health insurance comes in three parts:

California has four basic options for choosing a health care plan:

  1. 1. Health through an employer or association
  2. 2. Health Insurance through Income eligibility such as Medicaid
  3. 3. Health care for high risk individuals such as those that have had cancer or a heart attack
  4. 4. Private Insurance

Hospitalization
Hospitalization covers defined expenses incurred while in the hospital. Generally, the insurance will pay for all of the covered services rendered by the hospital staff. However, if the insurance benefit is an indemnity payment, the payment will be for a fixed sum regardless of the actual expenses incurred. This fixed sum will usually be far below the daily charge actually made by the hospital.

Medical/surgical
This part of a traditional health plan covers the expensive costs of medical care other than the bill from the hospital. Services such as doctor visits, treatment charges, etc., are covered here. Medical/surgical usually has a deductible and requires co-payments by the insured (payments you make for charges not covered by the insurance), typically 20 percent of the doctor’s fee.

Catastrophic or major medical
There are usually lifetime maximum payments that hospitalization and medical/surgical plans will pay, after which the well runs dry. Unfortunately, these maximums may not be sufficient to pay for all of the care required if a major illness or injury should strike, since such afflictions can eat up hundreds of thousands or even millions of dollars worth of health services. Thus, catastrophic coverage adds to your umbrella of protection in an amount sufficient to protect you from the horrendous expenses of such serious and prolonged illnesses. These policies also fill in some of the gaps not covered by hospitalization or medical/surgical.

Health Maintenance Organizations or Private Insurance in California
The health maintenance organization (HMO) is a relatively new player in the health insurance game, although it has been around in a limited fashion since the 1930s. The idea behind an HMO is to pay one premium and receive all of your health care at no or a nominal additional cost. The point is to save money compared to traditional health plans that cost more to purchase and require more out-of-pocket payments from the insured. What you, the insured, give in exchange for reduced cost is a substantial loss of your freedom to choose who will take care of your health needs.

Preferred Provider Organizations
Preferred provider organizations (PPOs) seek to give both the benefits of traditional health plans and the money savings of HMOs. They do this by paying higher benefits as a reward for your using the doctors or hospitals they preselect for that purpose.

Disability Insurance
Disability insurance does not pay for health care; rather it pays for lost wages caused by a disabling injury or illness.

How Health Insurance Is Priced
Ask anyone how health insurance is priced and you will get a simple answer: expensively! Beyond that, there are underwriting criteria used by health insurance providers, whether they are for-profit or, like Blue Shield/Blue Cross, nonprofit.

Underwriting Criteria
Age
The older you are, the more likely you are to get sick; therefore, the higher your health insurance premiums will be.

Number of people covered
Many people buy family coverage rather than individual policies. This means that there will be adults as well as minor children protected by the same plan. Some companies will charge based on the size of the family. Others charge a basic family rate without regard to the number of members.

Gender
Unlike life insurance, where women get the better end of the bargain than men, in health insurance women often pay higher premiums. This is based on health insurance industry statistics which indicate that the female of the species tends to need medical care more often than the male.

Health history
Insurance operates on statistical probabilities. If you have had a poor health history, statistically you are more likely to have a more expensive health care future. This, in turn, means that you will pay higher premiums-if you can get health insurance at all.

Occupation
The more likely you are to suffer injury or illness because of the work you do, the more likely the health insurance industry will be to charge excessively for benefits. This may be well and good for professional deep-sea divers. But the industry has begun to stretch the concept into areas that have nothing to do with the inherent danger of the work.

Lifestyle
In your application for health insurance you will be asked questions about your personal habits. Your answers will have a lot to do with the cost of your premiums. If you smoke, you will probably pay more for health insurance. If you drink to excess, you will probably pay more for health insurance. If you are known to be under a great deal of stress, you may pay more for health insurance. California does reward the health care Insurance consumer with lower premiums if they have practiced good health policies.

One of the most important things you can do as a health care consumer is to engage in preventive care. Not only will you be able to spot serious diseases at an early stage, thereby increasing your chances of effective treatment and cure, but you should be able to save money as well, since it is usually far less expensive to treat a disease when it’s a molehill rather than a mountain.

About The Author:

Medical-Ins.com is a leading broker of health insurance in California. We provide detailed information and cost breakdowns of Blue Cross, PacifiCare California and many more. Visit our site for a free quote and to help sort through the various health insurance plans to find the more affordable option for your family.