Is Health Insurance Cheaper If You're Healthy?

Insurance companies have various ways of determining health insurance premiums. The laws which regulate these practices vary from state to state. Currently many insurance companies charge rates according to the health of each applicant for individual policies. Generally the person's age, gender and occupation are factors in determining rates. Current and pre-existing conditions are also factors in establishing prices. The Health...

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Does Health Insurance Cover Plastic Surgery?

Plastic surgery is not only used to make people look good. It many cases, it is necessary or the patient's well-being. These cases are called reconstructive surgeries. It means that a part of the patient's body has been damaged and need to be repaired. Most insurance agencies will cover a lot of reconstructive surgeries. In order to be covered, any plastic surgery must be necessary for the patent's well-being. For example,...

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Health Insurance for the Beginner

When it comes to your family, selecting the right health insurance plan could be one of the most crucial decisions you ever make. There are so many choices, but in a sense, for your loved ones there will never be enough. With plans changing from year to year, costs going up and down, it is a good idea to do a bit of research before finally purchasing your policy. It may take a little longer to aquaint yourself with the area...

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Why Does Health Insurance Cost So Much?

Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific factors driving the cost of healthcare. These factors include: general inflation, advances in drugs and other medical devices, rising hospital and doctor expenses, government mandates, increased consumer demand, litigation, fraud, and cost shifting. The basic answer is that a magic bullet to solve the cost...

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How to Shop for Individual Health Insurance

If you find yourself in the position of shopping for an individual health insurance policy, there are certain things you'll want to keep in mind. Whether you are coming out of a job that covered you before, or are at the end of your COBRA benefits, or simply have never had coverage before there are things you can do to get coverage on yourself and your loved ones. The basic thing to know is that...

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Health Insurance For Solo Entrepreneurs

One of the most important benefits employed people enjoy is health insurance coverage. It is also the single most costly expense for self-employed entrepreneurs. So what can you do to reduce ever increasing costs of health care coverage? Here are a few tips. 1. If a medical bill seems excessive, try negotiating Your doctor or the office manager who handles billing will probably be flexible, provided you make a valid case....

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A New Healthcare Financing Solution

In this era of creative financing and cost management tools, many employers are looking for new ways to help employees finance their health care expenses. As an employer, you want to provide good coverage, but the cost increases in recent years have been tough to handle. A typical response to these increases may be to select a high-deductible insurance product that lowers your cost. However, there is a better solution. Think...

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Eight Rules for Applying for Individual Health Insurance

Frustrated at applying for individual health insurance? Well, you are not alone. As a health insurance agent with over 30 years of experience, I can tell you that applications have only gotten longer over the years. A lot longer. The interesting thing is this though, that getting accepted for individual and family health insurance has actually gotten easier. Many conditions that used to result in a decline are now either...

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How To Compare Private Health Insurance To Get The Best Rate

You don't want to take any kind of risks with your family's health care, so finding the best quality health insurance plan and the best price is important. The question is where can you get low-cost health care coverage with a reputable provider? Decide Which Kind Of Health Care Insurance You Need The first step in finding the best medical insurance quote is to decide which kind of insurance plan you need. Numerous...

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Tips to Be Successfully Compliant With HIPAA

Most healthcare organizations know what HIPAA requirements are. However, considering recent regulatory and enforcement changes brings to the importance to be successfully compliant. Today, we will present ways that will ensure that a healthcare organization's preparation for compliance with HIPAA is proper and effective. Assign a Compliance Officer If your organization has been categorized as a covered entity, you...

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