« December 2004 | Main | May 2005 »

January 18, 2005

Getting the most from your Health Insurance Plan

Though it is essential that Californians have health insurance, it is equally or more vital that they understand their policies so they may fully utilize the coverage to which they are entitled.

All California residents should be aware by now of how important it is to have health insurance. But once you have obtained the right coverage for you and your loved ones, how do you make the most of it? Below are some suggestions on how to get the best value for your healthcare dollar.

First, no matter what type of plan you are a part of, make sure to have a doctor you can trust, and one with whom you feel comfortable interacting. Your insurance company’s website can be a great resource for selecting a provider who is right for you. For example, choosing the right obstetrician is a big part of having a happy, healthy pregnancy. Find out as much as you can about the doctor – how long have they been in practice? What is their attitude about pain relief during labor? Will they, personally, be there for your entire pregnancy, labor and delivery, or are there others doctors with whom they "share" patients?

Once you are comfortable with your choice of a provider, take a moment to ask yourself what you expect from the visit. Make a list of symptoms and concerns you want to address. Ask the doctor if he or she recommends any tests for people of your age, background and/or health history. Many insurance plans cover routine tests such as cholesterol checks.

Take advantage of your health insurance provider’s website to research any health issues that are impacting your life. You can often find online support groups, heart healthy diet tips, and treatment options. Using all the resources your health insurance offers will make you a better informed, and thriftier, healthcare consumer.

For more information on purchasing Health Insurance, or to receive a Health Insurance Quote, visit our partner InsureMyHealth.com today.

Posted by healthinsurance at 07:58 PM

January 07, 2005

Dangers of Being Uninsured

Unforeseen accident and illnesses can financially and, possibly, physically rob one who does not have proper health insurance of an enjoyable future.

California residents sometimes find themselves, on either a temporary or a long-term basis, without health insurance. For example, each year ambitious Californians aspire to work for themselves by starting their own business. Many professions, from acting to freelancing, offer exciting opportunities for those who want to use their talents and educations to make their dreams come true. But unfortunately along with the excitement of an interesting career can come a problem – no access to group health insurance.

However, going without coverage is not the answer. Being uninsured is a dangerous situation for any individual, regardless of their age, health, or other circumstance. For example, in the space of just one morning between the hours of 10:30 am and 12:30 pm, the Los Angeles Communication Center reported thirteen traffic accidents.

Those unlucky enough to be involved in these accidents might have been in perfect health when they woke up earlier that morning, but that fact was no defense against being injured in a traffic collision that occurred out of nowhere. Without insurance, being injured in any kind of accident can be financially devastating for you and your family.

Allowing health insurance to lapse can also be dangerous if you are diagnosed with or treated for a disease or condition while without coverage. Under HIPAA (the Health Insurance Portability and Accountability Act of 1996), a person has a pre-existing condition if they have been diagnosed with or treated for a condition at any time during the six months prior to the date their new insurance would begin. If you have a pre-existing condition and have been without coverage for an extended period, you may be rejected by some health insurance companies.

For more information on purchasing Health Insurance, or to receive a Health Insurance Quote, visit our partner InsureMyHealth.com today.

Posted by healthinsurance at 11:53 AM