Health Insurance Los Angeles
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What to look for in good Health Insurance
Jane Oelke
Copyright 2005 Mike Spencer
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.)
About the Author
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
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International Travel and Health Insurance
David M. Schmader
Embarking on Your Dream Vacation
Are your Plans Complete?
Your bags are packed, passport and papers in order and you couldn’t be in a
higher state of excitement preparing for travel to that wonderful, exotic location.
This is the vacation you have planned it seems forever. As you sit on the plane,
you and your partner discuss for the hundredth time the scuba diving you will
do, the awesome rock climbing and hikes into the rain forest. Everything is
perfect!
Life seldom gets better than this.
Despite all the excitement of travel, Americans do have some concerns.
According to a survey by the Chubb Group, more than 70% of Americans surveyed
said their greatest concern when traveling is suffering a medical emergency...more
than double the fear of being mugged (30.7%), three times the fear of being
injured in a terrorist attack (23.4%).
What happens if a medical emergency arises when traveling overseas?
Many people assume that while they are out of the U.S. or Canada they will be
covered by their standard medical plan. However, most traditional health insurance
plans are not designed for international travel.
According to the U.S. Department of Commerce, approximately 27 million travelers
board U.S. airlines for overseas destinations and almost 26 million foreign
travelers come to the U.S. each year. However, many are not prepared for a medical
emergency abroad.
Most traditional health insurance plans would not cover an unexpected illness
or injury during international travel. But travelers with international medical
insurance would have protection for scenarios ranging from a local ambulance
trip to an emergency evacuation for care at the nearest qualified medical facility.
Some even offer repatriation flights out of the country where the traveler is
located back to the US.
Available plans can cover individuals or groups for specific periods of time
abroad and can be in effect should they be stationed abroad for an extended
period of time. There are policies for corporations to insure their personnel,
plans to cover missionaries who are on an outreach program and for those participating
in extreme sports. International travel medical insurance should be considered
for anyone traveling or living abroad.
©David M. Schmader, Solon, Ohio January, 2005
www.brownschmader.com
About the Author
David Schmader is an independent broker agent located in the Cleveland Ohio suburb of Solon, Ohio. With over 25 years of corporate finance experience he specializes in serving the individual, professional and small business markets.
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