A Quick And Easy Method To Get A Cheap Health Insurance Quote

Healthcare charges are through the roof, and consequently so are health care insurance rates. So how can you get a low cost health insurance plan? The following article demonstrates how to get an inexpensive health plan with a top-rated company the easy way…

Major Medical Plans

Major medical health plans, also referred to as catastrophic health plans, are the lowest cost non-comprehensive health plans. These plans have a high insurance deductible (the total amount you pay toward your claim before your insurance kicks in), plus affordable premiums.

Major medical plans only cover hospital fees like surgical treatments, hospital stays, X-rays, and diagnostic tests. They don’t cover visits to your physician or prescription drug costs.

If you are relatively young, in good health, hardly ever visit your physician, do not use high-priced prescription drugs, and are on a tight budget, these plans could be just the ticket for you.

Comprehensive Medical Plans

The lowest priced comprehensive health insurance plans are Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Point-of-Service plans (POSs).

HMOs

HMOs are the lowest priced of the comprehensive health insurance plans. They supply health care via a network of doctors and medical facilities picked by the HMO.

When you visit your physician you are required to pay a small copayment, commonly $10 to $15. The upside of these plans is there are no deductibles to pay for, and you do not need to spend your time filling in health insurance forms like you will with conventional medical plans.

Your primary care doctor is going to either treat you or else refer you to a specialist whenever you need medical help. You are not covered if you decide to see a doctor who isn’t a part of your network.

Preferred Provider Organizations

PPOs cost slightly more than HMOs, and they are the most popular health care insurance plans because they allow for more flexibility than HMOs. Like an HMO, you will need to select your health care provider from an approved directory of doctors.

Your copayment for every doctor visit is about the same as an HMO’s, there are no forms to fill in, and no deductibles to pay. However there are no gatekeepers with a PPO so you can go to a medical specialist without first seeing your primary care doctor.

Point of Service Plans

POS plans are more expensive than HMOs and PPOs, but deliver the greatest flexibility of the three medical insurance plans. They supply heath care treatment by way of a health provider network, but you also have the option of seeing a physician of your choosing.

Copayments for doctor visits within the network tend to be about the same as they are for HMOs and PPOs, and you will be reimbursed up to 80% for your out-of-network visits to the doctor after you pay the deductible.

Low-cost Health Insurance Quotes

The simplest way to get inexpensive health insurance quotes is to pay a visit to an insurance comparison internet site. At these sites you’ll receive price quotes from health insurance companies competing for your business.

When you visit one of these sites you will be asked to complete an easy questionnaire with details about yourself and your health. After you submit the questionnaire you will begin to receive quotes from several top-rated companies. You may then examine your quotes in the privacy of your home, and choose the plan with the cheapest quote which fits your needs.

Using a comparison website is fast, it’s easy, and it’s totally free.

Click the link which follows in order to get your low cost health insurance quotes from top insurers.

Click on the website link that follows to look at a video recording which shows you how to get low cost health insurance quotes from top insurers.

Article Source: http://EzineArticles.com/expert/Brian_Stevens/12560

 

Health and Your Inner Teacher

When you travel the halls of your memory, who do you remember as your most influential teachers? How did these teachers influence your life and change it for the better? Great teachers spark more than math, literature, or science in your life. They spark something else as well, something deeper and long-lasting that stays with you. As an individual living your life, you have another teacher you may not have touched on in your memory. That teacher is you! When you’re trying to get healthy and support your body and mind better, your inner teacher is key toward achieving what you want.

Health involves learning. You learn about your body and which lifestyle habits foster balanced health, versus which habits derail health. But you also learn something else. You learn about yourself as a person, how you face challenges, and which obstacles are blocking your road to health. The journey toward health involves more than regimens for diet, exercise, and sleep. The journey is unique to who you are and where you’re at in life too.

Bringing out your inner teacher to learn about your health isn’t always easy. Everyone wants to believe they are perfectly healthy, and sometimes facing the reality that your health needs more support can be challenging. It means admitting that you’re not perfect and that you still have more to learn. It takes knowing that supplements, medications, or doctor’s visits alone can’t keep you healthy. You as a person are an essential part of your health, and acknowledging this fact takes honesty and courage.

When you call forth your inner teacher in an open and honest way, you can explore your physical and mental-emotional health through a unique lens. You can ask yourself if there are societal and personal expectations that are burdening you and blocking your health. You can explore whether some part of your past unfairly has a hold on your health and who you are today. You can explore your relationships with yourself and other people to see whether they are supporting or hindering health. You can also notice how you manage stress and emotions and whether your current approach could use some adjustment for better health.

Good teachers both challenge you out of your comfort zone and patiently support you through the discomfort that can result. Getting healthier can feel strange and uncomfortable at times. The body and mind are used to doing what they always do—in other words, homeostasis or equilibrium. They will maintain states of health, but they also maintain states of unbalanced health. To get healthy, your inner teacher has to push you beyond comfortably unhealthy habits. On the other hand, your inner teacher also has to patiently help you through these potentially awkward transition periods and regularly remind you: “I can do this!”

What steps have you taken lately to bring out your inner teacher on the road to better health? If you feel that it’s been a while since you’ve listened to your inner teacher, that’s okay. He or she is always there and you can turn to that side of yourself when your health feels neglected or stuck. Remember to give your inner teacher the same respect that you would any other great teacher in your life.

As you head into the autumn season, a period of time that is infused with transition in the air around you, encourage your inner teacher by asking yourself the following questions:

1) What are current strengths in my health?

2) What are some weaker points of my health that require more attention and learning?

3) Without focusing too much on the past or the future, what steps can I take today toward better health?

4) What are my obstacles to health in the present moment?

5) How can I create space in my life for my inner teacher to express itself and help me with health?

As you ask yourself these questions, you’ll find that your body and mind naturally know which direction to go in—if you listen to them. By paying attention to your inner teacher, you’ll learn new things about your health and how better to support it. And you’ll enter your own hall of fame of great teachers.

Healthovers is a natural health website that connects the dots between symptoms to help relieve chronic health issues, improve overall health, and support natural beauty. Dr. Aarti Patel, N.D. is a naturopathic doctor who creates a well-rounded natural health plan for each Healthover. What is a Healthover? It’s a makeover for health! Visit http://www.Healthovers.com today to request a free 10-minute phone consultation.

Article Source: http://EzineArticles.com/expert/Aarti_Patel/1482896

 

Telemedicine in the Affordable Health Care Act Explained

Telemedicine is an important component of the robust and technology driven Affordable Care Act system (Obama care) and provides avenues for reducing costs in the new healthcare structure, because it offers options in how to access healthcare services.

The Affordable Care Act is the most comprehensive overhaul of the nation’s health care system in decades and it’s implementation and sign-ups will all be processed through marketplace exchanges.

What is the Meaning of Telemedicine?

Telemedicine is the use of telecommunication and information technology to provide clinical health care without a traditional face-to face consultation. It helps eliminate distance barriers and can improve access to supplementary medical services for people with:

  • Basic or No Insurance
  • High Deductible (HDHP) Insurance
  • Traditional Insurance

Tele-health Vs Telemedicine

‘Tele-health’ is an older, broader term for services such as health education and is not limited to clinical services, while ‘Telemedicine’ narrowly focuses on the actual curative aspect between the patient and healthcare professional. Examples of Tele-health are health professionals discussing a case over the telephone or conducting robotic surgery between facilities at different ends of the world.

Tele-Health has a broader scope than telemedicine and is sometimes called e-health, e-medicine, or telemedicine. Health care professional use tools like e-mails, e-visits, e-prescribing, after-hours care, e-reminders, health assessments, self-management tools, health coaching etc.

The State of the Market

The Affordable Care Act (Obama Care) Health Insurance Exchange (HIX) opens on Oct 1st, 2013. and goes into operation on Jan 1st, 2014. The Obama Care exchanges, are State, Federal or joint-run online marketplaces for health insurance. Americans can use their State’s “Affordable” Insurance Exchange marketplace to get coverage from competing private health care providers.

Steps to Sign up for Health Care Plans

  • Participants enter personal information into a web portal
  • Learn their eligibility for subsidies based on income, state-determined criteria or employer-based options.
  • Use a price calculator to shop, compare and choose a best benefit health plan.

Several major health companies have programs like TelaDoc in Aetna, KP-OnCall in Kaiser etc, trying to set up footholds in a market that is widely expected to grow rapidly. All participants have to do is research for telemedicine benefits through their health insurance plans or sign up for independent programs.

How Health Care Professionals Administer Telemedicinestreaming movie Despicable Me 3 2017

Doctors can treat most everyday health needs by phone or a scheduled video consultation. A study by the American Medical Association shows that 4 out of 5 visits to a primary care doctor could have been treated over the phone instead. After each consultation, patients will receive a clinical report which can be emailed to a primary care physician.

Registered Nurses manage triage calls and act as health coaches. For some specific symptoms, they give guidance for the most appropriate care, and over 32% of the time will offer self-care options so patients avoid a visit to the doctor, ER or Urgent Care facility entirely.

Common symptoms often treated through Telemedicine

Respiratory Infections, Cold/Flu Symptoms, Urinary Tract Infections, Sore Throats, Headaches/Migraines, Sinusitis, Allergies, Insect bites, Certain Rashes, Sprains/Strains, Arthritic Pain, Stomach Aches/Diarrhea, Gastroenteritis, Minor Burns and many non-emergency medical conditions

By 2014, the law mandates that all non-exempt Americans have health insurance or face a tax penalty. The Affordable Care Act has far-reaching advantages such as prohibiting insurance companies from dropping a clients’ coverage if they get sick or discrimination against anyone with a pre-existing condition and extending children’s eligibility on parent’s plans.

For entrepreneurs, who will most likely be responsible for their own health insurance, knowing how telemedicine can supplement their health insurance plans, means they can take full advantage of the options, savings and benefits.

Ama Danesi is an author, entrepreneur, marketer and business consultant, with an MBA in Financial Management. Drawing from her corporate work experiences and financial background, Ama focuses on helping home business owners, marketers and entrepreneurs with financial and marketing issues. Please visit my website at  http://www.maadanconsulting.com   for resources and more information.

Article Source: http://EzineArticles.com/expert/Ama_Danesi/1656019