Health Insurance North
Notice: Undefined index: set3page in /mounted-storage/home6/sub002/sc13185-YVAG/HIDomain/tos/configuration.php on line 491
Why Does Health Insurance Cost So Much?
by: Michael Ertel
Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific factors driving the cost of healthcare.
These factors include: general inflation, advances in drugs and other medical devices, rising hospital and doctor expenses, government mandates, increased consumer demand, litigation, fraud, and cost shifting.
The basic answer is that a magic bullet to solve the cost of insurance does not exist because the real difficulty is controlling the cost of healthcare. A simple way to dramatically decrease the dollars spent on healthcare is to reduce the demand for healthcare.
I have seen estimates that up to 40% of all healthcare related expenses result from preventable conditions. These preventable conditions are caused by lifestyle choices such as tobacco, obesity, stress, lack of exercise and poor diet.
Most of us, myself included, make lifestyle choices everyday that eventually increase our demand for healthcare. We are never going to be able to totally eliminate all lifestyle related healthcare costs. However, improved lifestyle choices would cause a dramatic reduction in demand. This would then result in a similar reduction in the dollars spent on healthcare.
Lower demand for healthcare would result in lower health insurance costs, increased productivity, and reduced absenteeism. If your organization has not done so already, your organizational leaders need to seriously consider the benefits of health promotion and disease prevention programs. Your return on investment will most likely be as high as 2:1 in the first year.
About The Author
Michael Ertel is the founder of http://www.MedicalInsuranceNow.com which is a website that assists individuals and small business owners by providing side by side comparisons of health insurance alternatives.
MErtel@medicalinsurancenow.com
Notice: Undefined index: set4page in /mounted-storage/home6/sub002/sc13185-YVAG/HIDomain/tos/configuration.php on line 491
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.
Health Insurance North Important Resources:
|
|
Find the Best Low Cost Life Insurance Rate and Apply Online At FindmyInsurance we make it simple to find a term life insurance quote online. Click here to apply online! |
|
|
PAGE: [1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14] [15] >>
Other Health Insurance North Resources:
|
|
Uninsured Population in North Carolina (0-64 Years) 2000-2001. Health Insurance in North Carolina. Growing crisis puts small businesses, rural workers at risk. March 2004. Number 12. ...
|
|
|
Health Quotes is an independent health insurance agency that will help individuals, group and small businesses find the best North Carolina ( NC ) coverage possible. Call today for a free ...
|
|
|
Discover health care and medical insurance options that meet your needs, now and in the years to come with UnitedHealthcare...
|
|
|
New Orleans louisiana Health Insurance Quotes, Group Health Insurance Quotes, Individual Health Insurance quotes New Orleans Individual Health Insurance ...
|
|
|
Blue Cross and Blue Shield of North Carolina (BCBSNC) Health Insurance Agent Thacker Agency.com is a North Carolina health insurance advisory agency in the Triad of North Carolina (NC). Our ...
|
|
|
...of North Carolina Conversion Issue. Market Assistance Program (MAP) Health Insurance Alert! Consumers and Business Owners. Information for...
|
|
|
State agency that supervises the insurance industry. The directory includes consumer, agent, and company information and a FAQ.
|
|
|
...We've been helping customers shop health insurance in North Carolina for long time, at no cost to.....Our interactive website allows you to compare health insurance quotes from various ...
|
|
|
...The North Carolina health insurance plans we do offer are very well priced and give you a choice of a variety of.....Finding carriers that sell North Carolina health insurance for ...
|
|
|
Offering health, dental, and disability insurance in Florida, North Carolina, and New Jersey.
|
|
|
...Over the decades, North Carolina Mutual Life Insurance, the nation's oldest and largest African-American insurance.....health, dental, and disability coverage. North Carolina Mutual is ...
|
|
|
Quote For Insurance brings you affordable auto insurance quotes, car insurance quotes, health insurance quotes, medical insurance quotes, life insurance quotes and home insurance quotes ...
|
|
|
...North Carolina health insurance websites for insurance agents AAA Life Insurance Company,america Life,CNA,GE.....Provider of affordable health insurance coverage in North Carolina, ...
|
|
|
North American Company for Life and Health Insurance (NACOLAH) is a Chicago-based company that offers low rates on a variety of 10-year, 20-year and...
|
Health Insurance North News Releases:
Invalid RSS Equalizer license.
Click Here To Purchase