Health Spas Guide » Health Insurance Companies

The Diabetic And Health Insurance

admin — Tue, 27 Apr 2010 04:48:10 +0000

There are two prevalent problems in the world of healthcare that causes hardship to many of the American Populace today. The first is diabetes and the second is insuring people with diabetes. I want you to keep reading, because in a few sentences I will outline what you can do to get health coverage for someone who has diabetes.

First, let us address the condition known as diabetes. According to the American Diabetes Association (ADA), there are 20.8 million children and adults that have diabetes. That is 7% of the population. There were 1.5 million new cases of diabetes diagnosed in people aged 20 years or older in 2005. Of those 20.8 million, 6.2 million are undiagnosed and the ADA speculates that there could be as many as 54 million pre-diabetics, which is to say that they have not been diagnosed as a diabetic, but show the tendencies of a diabetic. These figures are overwhelming.

Diabetes also attributes to other health problems. Diabetes can lead to heart disease and stroke, high blood pressure, blindness, kidney disease and failure, damage to the nervous system, amputations, dental problems, pregnancy complications, sexual dysfunction, and diabetes can even cause you to have trouble getting over a cold.

It is because of these associated health problems many health insurance companies are not willing to take on the potential risks attached with insuring a diabetic.

So what is a diabetic or the family of a diabetic supposed to do for insurance? The following is a list of options that a diabetic can follow in their pursuit to find health insurance:

1. Look at your employer. Many group health insurers will take people that cannot find health insurance elsewhere. Why is that? Many group health insurers understand and calculate the potential for having a percentage of the employees in a company who are not able to obtain health insurance on their own. This is the primary reason that most group health insurance policies are costly for employers.

2. Do your homework. Shop around. There are plans out there, but you really need to look. If your employer does not offer health insurance there are additional avenues that you can explore. This leads us to number three.

3. Be upfront when talking to an insurance agent. Many times a good agent will have a program for people that are hard to cover due to health complications. For instance I currently have two carriers that I use to help people get coverage.

Additionally, when you sign a health insurance application for coverage you are attesting that the answers that you gave are true and correct. Please understand that if you intentionally misrepresent yourself on an application you can, in the very least, be denied coverage for falsifying an application. I have even seen insurance companies revoke a policy because someone was untruthful on an application.

4. Realize that there is going to be a pre-existing waiting period. I have yet to find one insurance company that will waive the pre-existing waiting period for a diabetic. Please understand that most health insurance companies treat diabetes as an uninsurable condition, and because of that, most insurance companies will deny coverage to new applicants who have been diagnosed as a diabetic.

Therefore, if you have been diagnosed with diabetes and you have found a health insurance company that will insure diabetics, then please recognize that there will, most likely, be a pre-existing condition clause or rider attached.

5. Understand that insurance will be expensive. In all my years as a health insurance professional, I have found that the people with the lowest premiums are the younger healthier people. The converse is equally true. The premiums that are the highest are paid by the people with pre-existing conditions.

I have family members that have been diagnosed as diabetics, and I have friends and clients that have diabetes. I know the attention that is required on a day to day basis. I know the costs involved. I know the difficulty in obtaining good quality health insurance coverage for a diabetic.

Many diabetics might feel that health insurance coverage is just a dream. Coverage for the diabetic is out there. Look at the list, check your resources, and see what your search turns up. You can find it.

By: J Timothy Clark

Affordable Health Insurance in New Jersey – Low Cost Plans Online

admin — Sun, 25 Apr 2010 07:03:33 +0000

Affordable Health Insurance in New Jersey – Low Cost Plans Online

Did you know there are new low cost health insurance plans being offered by major health insurance companies? These new plans are more affordable and are available to New Jersey residents.

New Jersey Health Insurance Plans

HSA health insurance plans are saving thousands of people big money on their health insurance costs. A high deductible insurance plan is joined with a tax-exempt health savings account to make this plan possible. Individual plans start as low as $120 per month.

This low premium allows you to put aside money every month into your health savings plan. This money is tax-exempt, rolls over to the next year, and continues to accrue interest. When you need medical care your deductible is paid for out of this savings account. The high deductible insurance plan pays the rest.

A plan like this provides you and your family with protection for large medical bills and for routine health care. HSA health insurance plans are very flexible and allow you to choose the coverage and deductible you want. Many of these plans pay for 100% of medical costs after your deductible has been reached. Before buying a new health insurance policy, be sure to look at an HSA and see what it has to offer.

Health Insurance in New Jersey Quotes

One of the best ways to find affordable New Jersey health insurance is to go to an insurance quote website and request quotes. Immediately after you complete their short form, you’ll get several low cost HSA, HMO, PPO, and POS quotes while still online. After you have your quotes, you can compare the different policies and see if one will work for you. It’s that easy!

By: Jim Westin

Arizona Short-Term Health Insurance

admin — Tue, 20 Apr 2010 14:12:15 +0000

Places like Arizona provide a number of business opportunities to individuals as a result of the vibrant economy that the state has. However, not everyone is jumping at these opportunities, especially those who are currently employed. This is because for employees who may wish to resign from their jobs to start their own business, most of the apprehension that they feel comes from the fact that when they do decide to leave the company, they would be left to themselves, without the benefits that employees enjoy. One of these benefits is having health insurance, which most companies provide for their employees. However, people who may wish to start their own business need not worry about not being covered by health insurance while they are in the process of setting up their business because health insurance companies now offer short-term health insurance policies.

Short-term health insurance policies

Basically, a short-term health insurance policy is a health insurance plan that is a low-cost alternative to full-benefit plans that can be considered adequate to cover any sudden illness or serious injury while you set up a business and apply for a full benefit health insurance. In other words, these kinds of health insurance policies are just enough to tide you over until you get on your feet with regard to your business and get a full-benefit health insurance plan. Most short-term insurance plans last between six to twelve months.

Advantages and disadvantages

One of the biggest advantages of getting a short-term health insurance plan is that these plans allow you to go to any doctor you choose. Other advantages include the fact that these health plans cover a wide range of therapies and procedures, and the premiums on them can be very low. However, there are also disadvantages in getting them, one of which is that there are quite a number of medical fields that it does not cover, such as preventive care. In addition to this, maternity treatment is also excluded from the treatments that a short-term insurance policy covers.

For people who may need an insurance policy that would tide them over while they set up their business and while they apply for a full benefit health insurance policy, getting a short-term insurance policy may be one of the most viable options they can take. This is because short-term health insurance policies provide an adequate amount of coverage, which can reduce the apprehension that people feel during the stressful time of getting their business up and running.

By: Eric Morris

Potential Reasons For Health Insurance Denial

admin — Thu, 15 Apr 2010 14:59:45 +0000

Unfortunately, there are many people who receive letters of denial from health insurance companies. There are a variety of reasons why this happens- some can be avoided, but not all. The truth is that certain individuals are higher risk and as health insurance is a risk business, they have to weigh certain factors to make the decisions that they do. Insurance is actually a gamble for both the insured and the insurer themselves because on either side- someone will lose money for the protection that is needed. Ultimately, the numbers are what wins, but there are a few things that you can do if you have been denied coverage.

Firstly, if you were denied on the basis of something that is inaccurate, you can dispute this. The way that the insurers receive the information about your health, whether you disclose it or not is through the Medical Information Bureau. This is something like the credit report for your health and contains medical records on anyone who has ever had health insurance of any sort and the conditions that they have had. You can do this once yearly at no charge. If you find errors, you can then go about filing the corrections and going from there.

If you have not yet been denied health insurance, or you have been denied by one company but wish to continue seeking coverage, it is a good idea to obtain a copy of this report so that you can either correct inaccuracies or better understand your position and your options. Further, one of the major reasons that people are denied health care coverage is due to age and smoking combined as a factor. Speak to your doctor about getting on a quit plan as soon as you can and see your doctor as often as you can afford to update your status in that- quitting will increase your chances of getting the coverage you need at a rate you can afford.

As to pre-existing conditions, do not fear that this automatically makes you uninsurable. There are some insurers that will accept patients with certain pre-existing conditions on an exclusion period, under certain conditions. An exclusion period is where the insurance company denies those claims relating to the pre-existing condition for a certain period of time. These greatly differ sometimes from state to state, so it is worth asking about. Bearing in mind that there are numerous factors involved in a denial of coverage, being able to find out exactly what that is and how it stacks up in your MIB report can help you to potentially find the coverage you need in time.

By: Henry Fleet

Where to Get Low Cost Health Insurance in Washington

admin — Wed, 14 Apr 2010 20:00:33 +0000

Is it possible to get low cost health insurance in Washington? The numbers seem to say no. Health insurance premiums increased by 19-24 percent each year from 1997-2001. However, you can still find low cost health insurance if you know where to look.

Explore State Sponsored Programs

Washington offers several state-sponsored programs to help low-income residents afford health insurance:

* Washington Basic Health program, which provides reduced-cost health care coverage through private health plans to Washington state residents who don’t qualify for Medicare, but meet the Basic Health program financial guidelines. Monthly premiums for this program are based on age, income, family size, and health plan chosen.

For more information on this program go to: basichealth.hca.wa.gov

* Washington State Children’s Health Insurance Program, which provides free or low-cost health insurance for children.

For more information on this program go to: fortress.wa.gov/dshs/maa/chip

* Washington State Health Insurance Pool provides health insurance to Washington residents who have been denied coverage through private health insurance companies.

For more information on this program go to: http://www.wship.org

Do Some Comparison Shopping

If you don’t qualify for any of these state-sponsored health plans, you’ll need to explore private health insurance. The best way to find an affordable private health insurance plan is to use an insurance comparison website to compare rates. You’ll find that insurance companies have different prices for similar insurance policies. Therefore, you can save hundreds of dollars a year by comparison shopping.

On an insurance comparison website you’ll fill out a simple form with information about yourself and your health insurance needs. Then you’ll receive quotes from multiple A-rated insurance companies.

You may have questions about your health insurance options, so look for an insurance comparison website that offers an online chat feature. With this feature, you can talk with insurance professionals and get answers to all your health insurance questions (see link below).

By: Brian Stevens