WebMD recently published an interesting piece by John Santa MD, a medical expert with Consumer Reports. In it he observes that while many people expect to haggle at a car dealership, farmers’ or flea markets, it never occurs to them to attempt to negotiate over medical care costs. Doctor Santa feels there is a lot of [...]
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If you want really affordable health insurance, you may have to accept a very high separate deductible for “branded” prescriptions, or in the case of some “bare bone” plans, fore go this coverage altogether. As the consequence of this decision may be significant, it should be made with your eyes wide open. Branded prescriptions are [...] Saved Brain Damage 1. By law it cost you no more to work with a broker than to deal directly with a health insurance company. 2. Working with a broker, you are much more likely to understand the plan you are applying for and thus be able to select the best combination of price [...] Most clients originally call me to help them sort through their options for health insurance and come up with some recommendation for the best combination of price and value for them. However, once this is done, I believe the greatest service I can provide is to help a client fill out an application. It can [...] Most insurance companies consider health insurance “credible” if it is a group or medically underwritten individual medical insurance policy. Why is this important? *If you are moving from one group (usually employer sponsored insurance) to another, and have had previous “credible coverage” that was not interrupted for a period of 63 or more days, most [...] Well, to start off, you are a year older each birthday and thus statistically more expensive to cover. Now, the increase for a 25 year old that turns 26 is relatively small. But, for a 55 year old, with growing health care needs that turns 56, the increase can be significantly higher. So, the older you are, [...] Under Colorado law, your child will automatically be covered by your (father or mother) insurance plan for the first 31 days of life, without notification or payment of premium. If you do notify your plan of the child’s birth within the first 31 days, he or she will automatically be added to the plan going [...] Your present health insurance will probably cover emergency medical services overseas. You would pay for the charges yourself and then repatriate bills for reimbursement by your company. But, your health insurance company will not evacuate you should this become a medical necessity. And, an international ambulance flight is very, very expensive. That is the main reason why [...] Don’t have the slightest clue what your health insurance covers? As part of the Affordable Care Act the government intends to take care of that. According to a recent article by the Associated Press “the Obama administration says that’s going to change, starting this year. Officials announced that private health plans will have to [...] I am often asked how long it takes to get an application for health insurance approved. The answer is always the same, “it depends on how long the insurance company takes to review or “underwrite” the information you submit. Underwriting is a term insurance companies use that basically means “background check.” Individual health insurance companies have the [...] |
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