Archive for Cheap Health Insurance in San Francisco
How to Spot A Good Health Insurance Policy in Los Angeles, CA
Posted by: | CommentsQuestion:
After a recent incident, I have decided to look for a better health insurance provider. What are the things that I should look for in a good health insurance plan?
Gerald,
Los Angeles, CA
Answer:
Hi Gerald, great question! These days, with the kind of economy we are having, a good health insurance policy can be priceless! It can save you thousands of dollars in out-of-pocket expenses on medical treatment and hospitalization, should you (or anyone under your coverage) get sick or injured in the future. However, not all health insurance plans would work as smoothly or would decide to pick-up the tab in all instances. This is why it’s quite vital to know how to identify a good health insurance policy.
Know The Basics
A good policy should be able to cover you for the following: Accident Insurance, Accidental Death & Dismemberment, Medical Expense Insurance, and Disability Income Insurance. Know how much you’re covered and exactly what kind of circumstances are included in your coverage. Some policies could be very tricky in defining coverage terms & clauses, such as what constitutes a “Medical Emergency”, understanding exactly how and when you’re covered will be to your advantage.
HMO vs. PPH/PPO
Which is better? HMO (Health Maintenance Organizations) or PPH (preferred provider health insurance plans) sometimes known as PPO (Preferred Provider Organization)? It actually depends on what you prefer, HMO’s are generally more affordable but with certain limitations when it comes to accredited doctors, clinics, or hospitals. PPH/PPO’s have more accredited providers but may cost you a more.
Know What Other People Are Saying
There are many consumer review and testimonial websites, and independent rating agencies that can help you gauge how well the health insurance provider treat their customers, from availing of claims and benefits to the billing and payment aspects of a coverage.
Compare Policies
Of course, knowing how to compare health insurance rates, coverage and policies is a must! It pays to know how one policy fares with the rest, price and coverage-wise. The Web has plenty of websites or portals allowing you access to quotes coming from wide variety of health insurance providers available in your area and enables you to compare prices more efficiently
Why You Need Secondary Health Insurance in San Francisco, CA
Posted by: | CommentsQuestion:
A friend recently suggested that I get a Secondary Health Insurance policy. What is it? I’m already getting a good health policy from my employer here in San Francisco, so do I really need one?
Celine,
San Francisco, CA
Answer:
Good question! a Secondary Health Insurance policy is the type of policy arrangement established between two health insurance providers to avoid redundant coverage, dual cost to the health insurance companies, and overpayment of benefits if two individuals (say a husband and wife) are enrolled under the same group health insurance policy (usually the one provided by the employer).
For example, before the wife can make a claim and collect benefits from her health insurance, her husband’s health insurance coverage (that would be listing her as a dependent) should have been maxed out on her first, any remaining costs is then charged into her own policy, and vice versa. This kind of plan may also apply to an individual health insurance policy you buy to compliment the coverage you’re already get from your employer.
So why invest on a secondary health insurance policy? Especially if you’re employer is already giving you a good one? A secondary health insurance can be an excellent buffer, and may just end up saving you from incurring debts worth thousands of dollars, should you’re primary health insurance policy fail, refuse, or is inadequate to pay for your medical needs. Your health is your biggest asset and you never know what might happen to cause you to lose it in an instant.
Today’s economy, with rising lay-offs and job cuts, a secondary health policy becomes even more important. Can you imagine what would happen if you lose your job (and the coverage you’re getting from it) and get seriously injured or sick? How would you afford the bills and expenses you’ll be incurring, and the loss of income?
These days, it is no longer uncommon to see people paying for secondary health insurance. It adds more security and can give you the peace of mind knowing you and your dependents are protected should your medical and health needs and expenses exceeds what your employer’s group/primary policy can cover. The Internet is a great place to start looking for excellent/affordable health insurance policy today.
Best Health Tips For Lower Premiums
Posted by: | CommentsQuestion:
How Can I get the Best Rate 4 Health Insurance?
Steve,
San Francisco, CA
Answer:
Steve,
One of the Key factors for keeping Health Insurance premiums low is being in good health. I can’t stress this enough…maintaining a good health regimen to keep one self in tip top shape will enable you to raise your Health Insurance deductibles to a much higher rate. You will be in the doctors office a lot less so this keep more in your pocket.
Cheers,
David