Health Insurance To
Notice: Undefined index: set3page in /mounted-storage/home6/sub002/sc13185-YVAG/HIDomain/tos/configuration.php on line 491
High Deductible Health Insurance Plans For Individuals and Families
by: Michael Ertel
Do you pay more attention to your car than your body? You change your oil every 3000 to 4000 miles. You have your tires rotated every other oil change. Your air filter and brake pads are changed at the appropriate intervals.
Now, what about your body? You follow the recommended AMA guidelines for routine check ups and other healthcare services. You pay special attention to make sure you eat a balanced diet and always take the time to get enough exercise. The reality is many Americans pay more attention to the maintenance of their car than they do their body.
From an insurance perspective, your automobile insurance company has a certain expectation that you will take reasonable care of your car. Things such as the routine maintenance of brakes and making sure your turning signals work properly are expected by your insurance company. Basic common sense says that proper automobile maintenance reduces traffic accidents and saves both you and your insurance company money.
Health insurance consumers can benefit by taking a similar approach to taking care of their body. For the average American, regular exercise, routine check ups and following your doctor’s advice will reduce your healthcare costs in the long run. It is really very simple. By doing the things necessary to stay healthy, you will need to seek medical care less frequently.
Even with a commitment to stay healthy, you will still need health insurance coverage to take care of the unexpected and sometimes unavoidable catastrophic situations. However, instead of paying the insurance company for a $250 deductible, many individuals would benefit by purchasing a high deductible health insurance plan. Depending on the specific situation, it is not uncommon for individuals and families to save up to 25% on premiums with a high deductible plan. Health Savings Accounts (HSAs) can then be set up to coordinate with the high deductible plan. Approaching health care and health insurance wisely will benefit both your body and pocketbook.
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 To 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 To Resources:
|
|
... Employer or Union Group Health Insurance (Centers for Medicare & Medicaid Services) ... of Emergency Physicians) Health Insurance - Provision of Mental Health and Substance Abuse ...
|
|
|
Your children may be eligible for free or low-cost health insurance!
|
|
|
... Types of Health Insurance and How Health Insurance Works. Health insurance pays for expenses incurred ... There are many different types of health insurance plans available in California ...
|
|
|
A provider of health care, dental, pharmacy, group life, disability and long-term care benefits, the company puts information and helpful resources...
|
|
|
Newsroom | Health Professionals | Employers | Federal Employees | Public Policy Specialists. Enter Your Zip Code:
|
|
|
How do you protect yourself and your small business from buying bogus health insurance? There is a growing problem of unscrupulous operators selling fraudulent health insurance to small ...
|
|
|
Compare health insurance quotes side-by-side, eHealthInsurance helps you find affordable health insurance, business medical insurance, individual...
|
|
|
health insurance > home Easy to search - SITE INDEX - Health Insurance In-Depth If you are looking for private health insurance, and are bewildered by the staggering number of options, ...
|
|
|
Offers consumer information on auto, home, and life insurance. Includes tools to help buyers shop for insurance, a glossary, and ratings.
|
|
|
A consumer guide for obtaining and keeping health insurance, from the Georgetown University Health Policy Institute, providing information for each...
|
|
|
Educates the public and decision makers about the value health insurance professionals deliver in helping consumers access the health care system.
|
|
|
...Florida health insurance is very expensive, you need to readjust your expectations of low.....Having an adequate Florida health insurance plan can make a tremendous difference in the ...
|
|
|
How do you protect yourself and your small business from buying bogus health insurance? There is a growing problem of unscrupulous operators selling fraudulent health insurance to small ...
|
Health Insurance To News Releases:
Invalid RSS Equalizer license.
Click Here To Purchase