I’m looking to purchase a health insurance policy here in New York in the near future. What do I need to know about health insurance?

Milton

NYC

Milton, to give you an overview of what health insurance, it is mainly just another type of insurance covering hospital or medical expenses. Say, you were diagnosed with something life-threatening, like a stroke. A bypass operation was found out to be needed. It is unfortunate that after the surgery, therapy and other expenses will still hound you. It is really financially backbreaking to undergo a medical procedure such as a bypass operation without sufficient health care plans. Paying for a medical operation such as that will literally wipe out your fortune in a few months’ time.

You have to remember that this type of insurance product has a high decline rate. According to a study, around thirteen percent of applicants were denied to get a comprehensive medical health insurance in 2004. What does this mean? It means that while you are young, healthy and capable of paying for a health insurance, then you should do so. Who knows, a year or 5 years from now, you may be one of those guys included in the thirteen percent tally of declined applicants deemed as very risky. Not only that, but having a health care plan actually would make you a healthier person as you will be more inclined to go for check-ups.

Milton, if I may add also, non-smokers are given the privilege of having smaller premiums. To ask for quotations, please contact your health insurance agent in New York.

What is temporary health insurance?

Annie

I’ll tell you.

Short term health insurance is a great medical health insurance option for people who are on the road in life but haven’t yet arrived. You may be between jobs, or not have a job at all, or it’s possibly that you are temporarily working for a company that does not provide its employees with health insurance coverage. If any of these situations apply to you, then you might want to consider getting temporary health insurance, which is often one of the cheapest medical health insurance options around.

Sixteen million people in the United States take out a new medical health insurance policy every year, and if you’re going to be one of them this year pay attention. It is possible to get cheap medical health insurance, and you don’t have to get catastrophic health insurance to do it. Not everybody has to pay terrible, high rates to get their medical care covered.

Most of these short-term health insurance plans come with up to two million dollars of coverage, and they are intended for people who are already in good health and don’t have any pre-existing conditions. This type of coverage is good for using to go to your check ups so that you don’t develop anything, or to cover any problems that you may develop during the coverage period.

There are many limits to these temporary health insurance plans, so before you settle on one you should make sure that you understand your plan’s limits and they are okay with you. If that is the case, it is also important to understand that short term health insurance really is very short term. For the most part, policies are taken out month by month and can last up to twelve months, although some companies offer policies that extend to thirty six months.

Cheers,

Fashun Guadarrama.

• Ask how much your medical health insurance premium will cost you, both on a monthly and yearly basis. This is very important to know, because obviously the low monthly premium payment is the main draw that catastrophic health insurance holds.
• Ask how much the deductible will be.This is one of the most important things to ask about, because you need to know if you can afford the deductible if you get catastrophic health insurance,. because otherwise there isn’t a point.
• Do you want a lot of coverage or a little coverage? If you need more extensive medical health insurance coverage, then catastrophic health insurance coverage might not be the best for you, and you should definitely consider what your wants and needs are.
• Do you take any prescriptions? If you do need to pay for a lot of prescription drugs, you might do better with a different health insurance plan, because catastrophic health insurance does not cover drugs, and prescriptions cost quite a bit and the amount can add up if you are paying it all by yourself.
• Do you have enough money to pay for things like check ups on your own? If you don’t, then you need a different type of coverage. Doctor’s visits often cost a lot, and I know that when I was pregnant my doctor charged almost two hundred dollars per fifteen minute check up–which came every one to two weeks. That can add up if you’re paying out of pocket.
• Any pre-existing conditions? If you have one of these, you’re out. Catastrophic health insurance plans don’t take on the risk of people who already have a condition.
• Is it easy to get sick for you? Not every sickness can be covered by an emergency room visit, so you’ll probably need coverage that covers a regular doctor.
• How high up does the lifetime maximum go?

Cheers,

Fashun Guadarrama.

Let’s face it. Not everybody can be that lucky. That’s why even when you don’t want to bother, or can’t afford, to pay monthly medical health insurance premiums, you have to come up with some sort of compromise. The kind of person that tends to get catastrophic health insurance, which has lower monthly costs but covers much less than regular health insurance plans, tends to be either in their twenties or between the age of fifty and sixty five. Younger insured tend towards catastrophic health insurance because they are often either employed by a company that does not offer medical health insurance coverage, or are self-employed.

As for the other group that tends to get catastrophic health insurance instead of the regular, they are usually past the time in life in which they go in for medical check ups and are instead more preoccupied with major things that can come with age, like heart attacks and strokes. They’re usually only go in for a check up when they need to, and would rather make that a rare visit than have to pay more money for health insurance payments.

Catastrophic health insurance can even be bought through your employer, although most people who get it do so on their own. People who have already retired like to get catastrophic health insurance plans during the time that they are waiting to be of age to be eligible for Medicare. If a company employs more than one thousand people, catastrophic health insurance will be among the plans that it offers, usually.

Catastrophic health insurance plans do avoid customers who already had a condition when they bought the plan. If you have a disease such as AIDS or cancer, you probably won’t be eligible for such a plan, because, obviously, if you have to go to the hospital it won’t really be a catastrophe–more like business as usual.

Cheers,

Fashun Guadarrama.

What is catastrophic health insurance, and who is it good for?

Grant

I’m glad you asked that.

Many people find themselves unable to afford health insurance because of the high monthly premiums, and for this reason feel hesitant to go to the hospital even in an emergency case. There are forty five million people in the United States who do not have any kind of medical health insurance. And it is absolutely necessary to have full medical health insurance so that you can get regular check ups, prescriptions, and preventive care, but we have to face the truth that some people just can’t.

So what does a person in this situation do? Well, they don’t absolutely have to get a full medical health insurance plan. If a person finds that they work for a company with no health insurance plans, is not able to afford health insurance coverage, or just doesn’t want to pony up the money for it, there is still the option for catastrophic health insurance. This is also sometimes called a major medical plan, a type of health insurance plan with a more specific focus than most.

What catastrophic health insurance is, is a type of medical health insurance plan that requires higher deductibles but at the same time, the monthly payments are a lot smaller. The catch is that it covers a whole lot less than your average medical health insurance plan. You end up paying yourself for your check ups and drugs, while the catastrophic health insurance plan will only cover major hospital visits.

Catastrophic health insurance will provide coverage for most hospital stuff, from the cost of your stay to X Rays and lab tests. If you feel that you are able to afford routine visits, but need something to fall back on for the more expensive medical situations, catastrophic health insurance is for you. It is also a good option for people who would otherwise not be able to afford any kind of health insurance.

Cheers,

Fashun Guadarrama.

I need to get a good health insurance plan in Houston, Texas. Can you tell me about health insurance in that area?

Glen

Sure.

Health insurance in Houston, Texas is a lot like medical health insurance anywhere else in the country. The main difference is that the state of Texas has special patient protection laws that make getting medical health insurance in Houston a different experience from everywhere else.

• Patient protection laws.

This is one of the things that makes health insurance in Houston special. Texas puts a lot of support behind its patient protection laws, so being a patient in that state is a lot safer than in most. These laws were put in place to protect Texas patients from having Houston health insurance companies take advantage of them by weaseling out of providing coverage and over charging. The laws protect a Texan’s ability to get cheap health insurance.

For things like HMOs, the patient protection laws really kick in. They provide Houston patients with the ability to access specialized prescription drugs as well as other things that health insurance are less willing to cover, such as check ups (at least annual) by the doctor when you aren’t sick, special treatments, and preventive medicine. Patient protection laws in Texas prevent corruption in the industry as well. They keep HMOs from healing prevent patients from receiving the help they need by giving doctors rewards for refusing to provide certain care to their patients.

Just because they have these patient protection laws, though, doesn’t mean HMOs and other health insurance in Houston, Texas are always on the straight and narrow path. HMOs are more guilty than most. According to a report by the Office of Public Insurance Counsel in Texas, despite all of the efforts to set them straight, health insurance in Houston and the rest of Texas provided by companies and HMOs don’t live up to the standards set by the National Committee for Quality Assurance.

Cheers,

Fashun Guadarrama.