28. February 2016 · Comments Off on Top 5 Tips for Saving Money on Health Insurance · Categories: Insurance · Tags:


The cost of health insurance has skyrocketed in recent years, leaving many consumers desperate to cut costs wherever they can, without losing their coverage. Fortunately, consumers do have options and there are a variety of ways to achieve significant savings on their insurance. Here are five tips for cutting costs:

1) Increase out-of-pocket expenses. Consumers can achieve significant savings by simply choosing a policy that allows them to pay more out-of-pocket expenses This generally means paying a yearly deductible as well as co-payments for services and prescription medications. Some consumers may be wary of this option, but if they are in good health then it makes financial sense to go this route because the savings will be substantial.

2) Shop around for private insurance. Due to the rising costs of healthcare, many employers are now shifting more and more of the burden to their employees. This means that even though an employer offers health insurance, it may be possible to find a better deal by shopping around for private health insurance.

3) Review employer health insurance options at least once a year. Many households now have two incomes, and that means two employers.

23. February 2016 · Comments Off on 8 Insider Tips on Buying Individual Health Insurance · Categories: Insurance · Tags: , , ,


THE TOP INDIVIDUAL HEALTH INSURANCE POLICY WOULD BE ONE THAT YOU NEVER USED. However, you have to purchase health insurance BEFORE your need it..

1.TIP #1 Having some individual health insurance is better than none at all. Suddenly overcome by an unexpected medical condition can ruin your financial security and environmental living standards. With no rehabilitation benefits, you could lose your job. Then you might have to sell everything valuable you worked hard for. Weakening, frail health may allow meeting the stringent Social Security Disability requirements. Never ever chance it, and never rely on the government.

2. TIP #2 All individual health insurance policies are not created equally. If you are in the same financial position similar to many neighbors, paying deeply for coverage may not be achievable. Don’t despair, see how much lower your premiums will be if you opt for a major medical plan with a $1,000, $2,500, or even $5,000 deductible. Next look at your car insurance and home owner policies and get higher deductibles on them. If you encounter no mishaps, you had protection made possible by structuring higher deductibles into your insurance plans.

3. TIP #3 All individual health

15. February 2016 · Comments Off on 3 Tips To Get The Most Out Of Your Personal Health Insurance · Categories: Insurance


When it comes to personal health insurance you should always understand that they are not all created equal. The great thing about such insurance, unlike group plans that many companies take out for their employees, is that you can choose what sort of coverage you take out. Therefore you can create a plan that not only meets your health requirements but also your budget.

Of course the cost of taking out such insurance isn’t expensive; however there are things that you can do which can help to reduce the costs for you further. Below we offer a few tips you may find useful to get the best rates possible when taking out any personal health insurance in the future.

Tip 1 – Look to see whether your car and home insurance company also offer health insurance. If they do you may be surprised to find that as you have already taken out insurance with them they are willing to offer you a discount on any other insurance policies you take out with them.

Tip 2 – If you enjoy any habits that are considered to be

01. February 2016 · Comments Off on Tips For Good Medical Coverage · Categories: Insurance

Health insurance is one policy you must consider if you want to obtain a good insurance plan. In horrible situations you will appreciate the benefits of health insurance.

This policy prepares you for horrible situations that might happen in future. If you don’t obtain this policy you will be spending money extravagantly.

This policy you will be relieved of accumulated health care bills. Your health expenses are always settled in time.

There are things you need to know about health insurance policy;
1. Your medical bills is taken care of by the policy
2. In cases of illness you will receive your medical treatment in one of the best hospital.
3. You will always get health attention from professional doctors.
4. You are also entitled to free professional consultation.

However, you need to carefully study any material presented to you by the insurer. Try to determine the cost of the policy, the kind of coverage it renders and if there are other benefits.

You need to study carefully and understand the rules written in the policy. Some policy expires after 12months this is why you need to understand the policy.

It is advisable to go for policy that has coverage for accidents, outpatient cases and pregnancy.

23. January 2016 · Comments Off on Top 3 Health Insurance Tips For Growing Families · Categories: Insurance

Every family is different when it comes to health insurance needs, not to mention, each family’s needs change as the kids grow up, get older, and eventually move out. The same family health insurance policy that worked for you five years ago, might not work for your family today. For this reason, it is important to stay on top of your family’s medical insurance policy and to determine what coverage your family has too much of or not enough of. It is also important to get a personalized quote on a plan that best suits your family’s medical needs.

  • When your children are younger, they are more prone to getting sick since their immune systems have not fully developed yet. Therefore, it is a good idea for families with young children to find a medical insurance plan that does not have expensive co-pays or premiums, since visits to the doctor might be happening more frequently. It is important to take your children to the doctor for regular checkups, but as they grow up, doctor’s visits should be less frequent. At this point, you may want to consider a family health plan that offers lower monthly payments in place of lower
15. January 2016 · Comments Off on Health Insurance Tips For Critical Illness · Categories: Insurance

You hear most people say your health is your wealth. This adage is true because if eventually you get sick, then it becomes very obvious. This type of hidden calamity could cost a very huge amount that can bring down the account of even the highest paid worker. Moreover the cost of obtaining coverage for this impending risk with any life insurance scheme is always hard to rationalize.

There is a lot of sense revealed on both sides when you question the issue of spending money on the treatment of a severe illness. On one hand some people might say its is best to leave it to one’s destiny or ones insurance company to handle while others will say why spend so much money to assure against such an unforeseeable event when you can spend it in other business.

As a human being, predicting your health in the future is not possible. You do not know if you will get infected in the future with a sickness. In the assurance provider industry, the aspect of risk taking governs it. Irrespective of all the reports on the increase in the high rate of severe illness, it is now the duty of the individual

10. January 2016 · Comments Off on Individual Health Insurance Tips · Categories: Insurance · Tags: ,

The reason a quarter of all Texans don’t invest in health care is partly due to them not finding a few spare moments and researching all available health insurance policies. You will probably be surprised at the range of possibilities available out there that can be structured to fit into your budget.

Seriously, you don’t want to get into an accident or have a sudden illness without medical insurance. If you do, you could face a lifetime of bills to pay off your medical debt. Depending on what medical services you end up needing, you could also end up under-insuring too. That would also be unfortunate.

There are a few different types of insurance and understanding what comes with them will help you to understand what medical insurance you need. Here are a few different types of insurance and what they cover:

Major medical: this type of coverage gives you coverage for visits to your doctor, hospital stays or surgery, and covers ongoing illnesses.

Specified diseases: this health coverage is going to help you with medical expenses specific to a specified disease (like HIV, cancer, etc)

Hospital/Surgery: this is going to cover fees incurred in hospital. This means lab tests, x-rays, doctor consultations. This

05. January 2016 · Comments Off on Travel Health Insurance Tips · Categories: Insurance

Travel insurance can be a tedious and difficult thing to purchase. You can spend hours poring over the tiniest print known to man, only to realize this isn’t the right policy for you. Most people wonder why travel insurance can be so expensive, especially as of late. Where do the high prices in insurance stem from? There are many important factors in the pricing of your quote, but the most important would be your health insurance. Health insurance in most policies can add up to be almost a third responsible for the price you are paying. So what can you do?

Try to expand the coverage on your current health insurance. Sometimes this can save you a lot of money in the terms of your policy, because you will not need to include health coverage in your policy at all.

Higher price does not in any way mean better coverage. If you compare policies solely by price you will only be wasting your time. There is no quick and easy way to buy travel health insurance. Take the time to read the fine print on all the quotes you receive. Doing this can save you from buying expensively priced and poorly

25. December 2015 · Comments Off on Find the Right Inexpensive Health Insurance Tips For Saving · Categories: Insurance

It is important that you get the right health insurance. It is not wise for you to believe that you don’t need medical insurance because you feel perfectly healthy; a sure fact with medical insurance is start it actually helps you stay in perfect health.

A lot of people are afraid of the cost of protecting their health with insurance; so they simply conclude that they can not afford to buy medical insurance. Having this mindset is very wrong. The truth is medical insurance services keeps you healthy not only physically but financially too. A study revealed that nearly two thousand Americans having problems of bankruptcy claimed that their bankruptcy was caused by sickness and medical bills.

Learn To Change Your Lifestyle

It is easy for you to get good health and stay healthy. Here are some steps that will help you lead a healthy lifestyle.

* Do you smoke or consume tobacco? if yes, you have to stop.

* You need to engage in healthy body exercise and eat well balanced diets.

* You need to make regular visits to your doctor. This will help you identify health problems when they want to start and cure them. Don’t wait until you are broken down by

15. December 2015 · Comments Off on Affordable Private Health Insurance Tips · Categories: Insurance · Tags: ,

Private health insurance UK providers continue to play a critical role. Hospitals whether private or public will accept only patients who are covered by a health insurance plan. Choosing to do it privately is not always the cheapest option but, it is possible to employ tips that can fully work in finding you an excellent deal in this regard. These pointers are geared to help you find a good private health insurance plan.

* First, do not choose a comprehensive health plan. The main types of plans offered are two and apart from the comprehensive option, you need to choose the private health insurance standard plan. The following are the major components that constitute this standard plan.

1. Health care online
2. Lab tests
3. Physiotherapy treatments
4. Basic care
5. In-patient and outpatient treatment
6. Home nursing

Going it this way guarantees saving more money compared to the comprehensive option. It is important to know the various terms that this standard plan also goes by as sold by different insurance companies. It is also called PrimeCare, Saver or Assure among others.

* Another tip when buying private health insurance is to compare prices, offers and discounts. It is to your advantage that

10. December 2015 · Comments Off on Tennessee Health Insurance Tips For Employers · Categories: Insurance · Tags: , , ,

According to the 2011 survey conducted by the Kaiser Family Foundation, there was a 118 percent increase in the average family premium for covered employees of large businesses and a 103 percent increase for small business firms noted over the past decade. The survey revealed that in Tennessee, only 51 percent of businesses offer health coverage to their employees. The main reason not all businesses are providing health benefits to their workers is because the increasing cost is too much to handle.

However, there are two great tips that employers can utilize to reduce their health care costs and bring down Tennessee health insurance premiums.

Health Savings Accounts And Health Reimbursement Arrangements For Employers

The first tip that employers can use is to look into Health Savings Accounts (HSA). Health Savings Accounts were first introduced to the market in 2004. To set up an HSA, you need a qualified high-deductible health plan. Individuals must have a deductible of at least $1,200 while family coverage must have a minimum deductible of $2,400. As for the cost of HSA plans, premiums have risen at a rate of one third to one half that of traditional Tennessee health insurance plans.

In a study conducted by United Benefit

05. December 2015 · Comments Off on Buying Individual Health Insurance Tips · Categories: Insurance · Tags: ,

Heath insurance is a way to make sure you will not be caught empty-handed at times when you need to avail of health care services. In places such as the U.S., health insurance is very much needed, as people do not regularly keep large amounts of cash at hand for such situations. Individual insurance, unlike other insurances, is a separate type of insurance apart from what is insured by your company and cover health care services unlike other types of insurances that cover possible risk and losses for your car, home or other such sorts of possessions.

It is widespread knowledge that any type of insurance does not come cheap. And buying individual health care insurance is not exempt from that. You can find almost hundreds of companies that offer Individual health care insurance and at different rates and coverage. It is very important that you research and research well about the medical insurance you plan to avail of. The numbers concerning any type of insurance will have your head spinning, and much as it is simply called Individual insurance, there are many factors that concern such a type of insurance. Here are a few things to consider when buying

30. November 2015 · Comments Off on Health Insurance Tips Guide · Categories: Insurance

Sound health is an indispensable feature of every individual’s life. No targets and success can be achieved if we are physically unwell. In order to safeguard this central aspect of our life, health insurance is the need of the hour.

Health insurance as we all know is the best way to secure your health against all expected and unexpected problems. Due to this almost every individual seeks to acquire a health insurance policy.

At present there are many companies offering health insurance. While going for a health insurance policy you will confront a choice between private and government insurance. Prior to opting for either policy, you should know that with a private health insurance you would have an access to luxurious private hospitals, wide range of private doctors to choose from and mostly immediate treatment. While in a government health insurance scheme the lifetime health cover penalizes people who take out health insurance later in life with higher premiums. If you take the policy after your 31st birthday you will be required to pay a 2% surcharge annually up to 70%. So for instance if you acquire the policy at the age of 50 you will have to pay 30% more

20. November 2015 · Comments Off on Health Insurance Tips For Low Income Families · Categories: Insurance

It might be an arduous task to search for an inexpensive health insurance, but it is not beyond the bounds of possibility! And the insurance costs tend to rise even higher if your suffer from any medical malady such as the cancer. So instead of using all your money on the medical bills and putting your family’s financial security at risk, it is your job to find a health insurance policy that falls within your financial means.

There are health insurance policies for people with different levels of financial background, so the reason that you have a low income is not sufficient enough for you to not purchase health insurance. All it takes to find a decent policy is to do research, because you will not have an epiphany of the perfect insurance policy while just sitting on the couch.

You can begin by comparing the insurance policy rates at different websites. Now one thing which you must keep in mind is to see which whether the insurance policy is being offered at an annual rate or half-yearly rate. Many times people confuse this and get the six month policy thinking that it is cheap. While comparing, see which of the

15. November 2015 · Comments Off on Top Ten Health Insurance Tips to Consider When Buying Health Insurance · Categories: Insurance · Tags: , ,

Whether you are switching health insurer or buying health insurance for the first time there are a few points that you should consider before you make up your mind:

1. Cover for private accommodation in public hospitals in most cases does not guarantee fast access to treatment. Make sure you have a plan with some access to private hospitals. Even if it only covers a portion of the charges it’s better than not having any access to these hospitals or being faced with extremely large bills for treatment you needed in a hurry.

2. Check that hospitals local to you are not excluded and don’t have excesses applied to accommodation. Most people prefer to be close to home when they are sick or in hospital so that friends or relatives can visit or be close at hand should they be needed in an emergency.

3. Check that there are no shortfalls on specific treatments or procedures such as radiotherapy, chemotherapy, orthopaedic. Where there is a shortfall on orthopaedic treatments consider the likelihood of you needing any of these treatments in the near future. Young people are less likely to need these treatments than older people. You may be able to upgrade in

10. November 2015 · Comments Off on Health Insurance Tips For the Worldwide Traveler · Categories: Insurance · Tags:

As everyone knows, health insurance within the United States is pretty complicated. With all of the technical terminology and deciphering through what is covered and what is not covered, it is difficult for even the most knowledgeable to decide what policy is the best one to utilize. Not to mention that with all the political backing to eventually change the health care system, all the so-called health insurance experts will have to learn the new ways to go about doing things.

Yet, when it comes to worldwide traveling, many people fail to realize the importance of having additional coverage. Although most illnesses and injuries are covered under plans within the U.S., it is another story all together if an incident occurs beyond the country’s borders. Therefore, purchasing additional coverage before any big trip is essential, and these following tips can help shed some light as to what specific things are needed and what types of insurance should be purchased.

1) Planning your trip. Before even considering the purchase of additional, international health insurance, the actual trip needs to be completely planned out. Granted, most people are not fans of setting agendas in stone; flexibility is key when visiting a few separate

27. October 2015 · Comments Off on Health Insurance Tips How to Choose the Right Policy · Categories: Insurance

When it comes to buying health insurance, there are many different things that you need to know about getting the right policy and choosing coverage that works for you. It isn’t always easy to find the best medical insurance, but it can be done if you take the time to look. Here are a few medical insurance tips to help you make the best decision about your insurance coverage.

-Always get a few different quotes. That way, you can compare your coverage options and figure out which policy suits your needs best. Choose a few companies that have a good reputation and that you can depend on.

-Make sure that you look at coverage, first and foremost. You do need to find an affordable policy, but price is only secondary because the coverage that you are getting is really what matters. Get the coverage that you need, then look at the costs of the policies that you are offered.

-Choose a reputable company to get insurance from. Even though all medical insurance companies might seem like they are qualified, you need to get good service, good coverage, and premiums that you can afford from a leader in the industry.

-Remember that just because a

21. October 2015 · Comments Off on Simple But Effective Ways To Pay Far Less For A Lot More · Categories: Insurance · Tags: , ,

Health insurance tips: There are many ways you can reduce what you pay while maintaining adequate coverage for yourself and loved ones. Here are simple but effective ways to pay far less for a lot more…

1. Buying your prescriptions online is a sure way to lower your health care spend. You can as well get lower prices if you buy by phone. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper prices. Howbeit, you will do well to check the company you are buying from so you don’t endanger yourself. Organizations like BBB can tell you if you if a company is trustworthy or not so don’t fail to check.
Do not forget that while we want to save costs we also want to stay safe.

2. Being on one policy will save you a lot and you should take advantage of it if you’re married. But before you do this make sure you consider your options to see if this will get you more savings.

This is because in a number of situations it’s more profitable to be on different plans and in other situations it’s more

14. October 2015 · Comments Off on Health Insurance Tips For Beginners · Categories: Insurance

More and more Americans subscribe every year to private insurance. The reasons are many, foremost among them the lack of compensation in certain cases of accidents, whether physical or domestic.

Indeed, if we take the example of domestic accidents, they are very numerous (about 8 million annually), yet it is very rare that the victim can reach to get compensation. The reason is as follows: in 9 cases out of 10, the victim was injured herself. The same scenario happens for medical accidents, which could be supported by private health insurance or private health and for the victims of assaults or natural disasters.

Today, all heath insurance policies offer formulas to ensure the insured and his family against the private harm and financial consequences of accidents. Here are health insurance tips for those who are not aware of how this should be done.

Currently, there are numerous companies that provide insurance for health and some of the health insurance tips you should follow include being cautious when it comes to the terms and conditions and to the costs related to the policy. The solution for the insured and one of the best health insurance tips around is to compare prices. Lots of

05. October 2015 · Comments Off on Student Health Insurance Tips to Help You Choose the Right Policy · Categories: Insurance · Tags:

Health Insurance For College Students You should explore all of the medical plan options available to you. Your choices may include:

  1. Getting health insurance through the student’s employer.
  2. Getting medical insurance through your local Blue Cross Blue Shield or other private health insurance plan.
  3. Getting “college student health insurance” through a plan offered by their college or university.
  4. Getting health insurance as a dependent on the policy of a parent or spouse.

When looking for the non-group health insurance plans that are available in your area, you may want to contact your state’s insurance department. You can contact them and find out which companies market individual health insurance in your area. Healthcare choices for the out-of-state student If you live on campus, look into the plans offered in each area. If your parents live in Florida, but you go to school in Texas, you should see what health insurance plans are available to you in both states. A student who has a permanent address of Connecticut and attends Yale in New Haven should only purchase a Connecticut-approved plan. If the same student transfers to UCLA, he or she can also explore plans offered in California. Some plans may even charge differently based on your zip