List Categories | List All Articles | List Articles By Title
What to Look for in Good Health Insurance
Health insurance is a kind of protection that provides payment of benefits for covered sickness or injury. Included in health insurance are various types of insurance such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance.
Before sign the health insurance policy make sure that you have read thoroughly the benefit's section. Take note of any health care service that is not covered by your health insurance policy. Also, pay specific attention to how the health insurance policy is worded. Sometimes, health insurance companies hide the health insurance coverage exclusions within the definitions of words.
For instance, a health insurance company may define the term 'emergency' as anything that is life threatening condition that cannot be reasonably treated by a primary care physician. Whereas, your definition of 'emergency' may be anything that requires quick medical attention.
Clearly, there is conflict for the two definitions. If you find yourself in an emergency situation where you incur a broker arm, for instance, your insurance company may deny coverage for emergency room treatment of a broken arm for the reason that the broken arm does not fall under the life threatening category.
Therefore, you should read over carefully the health insurance policy definitions, paying close attention to the seven key words:
medical emergency medically necessary accidental injury experimental or investigational pre certification pre-existing condition, and reasonable and customary
These words and any words that are open to interpretation should be regarded with wariness. Find out how your health insurance company defines each of these.
Finally, find the section describing the procedures you must follow in order for your insurance company to reimburse you. These policy conditions or prerequisites are typically worded in a positive tone. Read through each condition carefully, make notes and call your health insurance company with any questions.
You should also compare health insurance contracts before you sign one. In order to compare exclusions, take two policy contracts and find the exclusions sections. If you want to compare a number of health insurance contracts then you could use an online service.
After you obtain your free quote for the health coverage you desire, apply for it online, and you'll obtain all the information that you'll need to compare exclusions of each health insurance policy (though sometimes this will require more research.)
Copyright 2005 Mike Spencer
Mike Spencer recently became unemployed and moved into self employment. He was forced to find his own health insurance plan to protect his family. It wasn't as easy as he first thought. Here he shares the pitfalls of various plans and what you need to look out for when picking a good plan for you: http://www.1st-for-health-insurance.com/articles/what-is-health-insurance.html
Insurance For The Self Employed And Those Seeking Health Insurance
First of all, congratulations on deciding to go out and make it on your own. The rewards and excitement of making it on your own can not be found anywhere else.
Homeowners Insurance at a Glance
At first glance, homeowners insurance may seem perplexing and quite overpowering. Understanding your policy is crucial to know what you are actually purchasing, and also an extremely important part of owning a home.
Accidents, personal injuries and insurance claims are here to stay. No matter how far into the 21st Century American's elect to drive (unless by the beginning of the 22nd Century we're all zipping around in our own personal space ship) motor vehicle accidents will continue to pile up; with no end in sight!There are more than 200,000,000 licensed drivers in the United States.
Life Insurance Settlement
A new financial tool is now available for senior citizens. Life Insurance Settlements are quickly becoming a way for seniors to receive money from an under performing or costly life insurance policy.
Should You Have Higher Deductibles On Your Coverage?
What is a deductible? A deductible is the amount you pay before your insurance carrier pays any claim. Insurance companies offer deductibles on certain coverage in insurance policies as a method of sharing risk with the people they insure.
Insurance Claim - Medical Insights And Expenses
There's nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the "pain and suffering" you were forced to deal with.Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense's, including repairing your car, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.
Travel Insurance Might Be Just What You Need!
Travel insurance is something that many people haven't considered. Sure, it's possible that you may never have to access your travel insurance, but just having it can really give you peace of mind.
Talking to Your Parents About Insurance
Who can you talk to about auto insurance? Insurance agents are a good source. However, due to their life lessons, their love, and their own financial responsibility, parents are an invaluable source to talk to about auto insurance.
Is Your Auto Insurance Company Rated?
Several national rating institutions rate insurance companies. Do coverages, rates, and service vary from company to company? Why can you pay less with one company than another can for the same coverages? Choosing the best insurance company for you is a crucial financial decision.
What is Car Insurance?
Car Insurance is compulsory in the UK. You are required by law to have a policy to cover your liability to other road users.
Insurance Providers Weather the Storm While Consumers Flounder
We have just had the first year's anniversary of the flash flooding which occurred at Boscastle in Cornwall. The floods saw some of the worst damage wrought by sudden rainfall in the UK for many years.
Health Insurance Plans and their Differences
Health insurance plans have changed dramatically over the past ten years, and American's currently have several different options to choose from- including HMO's, PPO's, fee-for-service plans, MSA's and major medical. There are two main categories of health insurance plans that each of these policies is classified as; managed care plans and indemnity care plans.
Term Life - Who Needs It?
If you've read any of the books or articles by popular personal finance gurus you've probably heard of the affordable life insurance alternative called Term life. Term life insurance Quotations are recommended by many popular personal finance gurus and can be a good choice for:· Young families or those on a limited budget, yet still need a large amount of life insurance.
Reducing Soaring Insurance Claim Costs
With the soaring rise in claims to insurers from their customers, millions of pounds are being lost on a day to day basis throughout the industry in regards to personal property insurance. A new system in the UK provides insurance companies with an easy and effective method to reduce their personal property claims by over 80%.
Discount Auto Insurance - Get Low Rates And Superior Coverage
Auto insurance rates can be quite expensive. If you are in shopping for auto insurance or just comparing rates between your current insurer and competing insurance companies, you may want to look at the rates offered by discount auto insurance providers.
Used Car Insurance
Every state requires that drivers carry liability insurance. The liability coverage section of an auto insurance policy provides financial protection from liability claims against you when you (or certain other people) cause an accident that results in bodily injuries to other people and/or damage to their property.
Dont Just Accept Your Car Insurance Renewal Quote
UK car insurance companies make substantial profits every year because a large number of existing customers just accept the renewal quote from their car insurance provider.Many people assume that because their first years premium was competitive they will continue to get good value for money from the same insurer.
Converting An Unwanted Life Insurance Policy Into Ca$h
Do You Own A Life Insurance Policy That You No longer Need or Want? It is possible that you may be able to can get a CASH settlement in excess of the current cash surrender value by selling your policy in the secondary market to an investor.Reasons To "Sell" A Policy:Family Situations Bankruptcy Estate Reduction Estate Tax Revision Business Was Sold 1035 Exchange Drain On Income Divorce - Separation Death of A Spouse Retirement Declining Health Non-Performing Policy Wealth Planning Work Related ChangesQualifying Types Of Life Insurance:Group Whole Life Term (Convertible) Joint Universal Variable Key Man (business related)Who Is A Qualified Candidate?Mature men and women over age sixty-five years of age who have an existing life insurance policy and whose circumstances have changed since purchasing the policy originally may qualify for a purchase and sale of their policy.
Auto Insurance Rates
Auto insurance rates will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on.
Car Insurance Advice for Young Drivers in the UK
Over the course of the last ten years, car insurance for young drivers in the UK has increased substantially.This has caused many problems for new drivers with premiums averaging £1300 for a newly qualified 17 year old male driver.
home | site map
All articles are copyright to their owners.
Note: this website lists articles, We do not Write Articles !