Pacific Source Health Insurance
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Beat Your Competition By Controlling The Cost Of Your Health Insurance
by: Michael Ertel
As many of us expect, the New Year will bring both tremendous challenges and opportunities for all of us both personally and professionally. Employers continue to face the major challenge of controlling the cost of their health insurance and other employee benefit programs. Organizations that can best get a handle on the cost of their employee benefit programs have an excellent opportunity to gain an advantage over their competition.
What are some practical ways to control the cost of your health insurance? Here are a few suggestions:
- Investigate all of your traditional and consumer directed health plan options.
Many companies are easing into consumer directed plans by offering them as
part of a "dual choice" program.
- Out of network benefits. If your PPO network has adequate access to network
providers, plan designs that strongly encourage the use of preferred providers
save premium and claim dollars while the insured still gets the needed care
at a discounted rate.
- Prescription drug coverage. Rx plans that encourage the use of generics
and require mandatory mail order for maintenance medications are an efficient
use of your benefit dollars.
- Encourage wellness. What is the old saying? An ounce of prevention is worth
a pound of gain.
- Consumerism. Access to the tools necessary to be a “good” healthcare consumer
will allow individuals to get the best care at the best price.
If you do not have time to personally handle the suggestions made above, consider enlisting the services of an independent insurance broker that specializes in designing and evaluating health plan options. A good insurance broker should be able to save you time, money, and ultimately serve as a trusted resource for plan recommendations now and in the future.
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
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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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