The Health Insurance Basics For Individual and Family Health Medical Plans

Let’s start with the basic terminology with health medical plans (health insurance). There are three basic coverages to a plan, the deductible and coinsurance (coins) and the frequently used copay. I will explain them below.

Deductible: This is what you pay out of your pocket before the insurance company pays any claims. Deductibles are on an annual basis and reset every January first. This is similar to your car or homeowners insurance policy.

Coinsurance: Once you meet your annual deductible, the insurance company shares some expenses with you until you reach your annual maximum out of pocket. Plans are written as 80/20 plans or 90/10 plans, they always add up to 100%. This is not unlimited there is a stop loss for you.

Co-pay: A co-pay is the amount you pay for a visit to the doctor (HMO or PPO plans) or a pharmacy prescription plan. The copay has nothing to do with the annual deductible and not all plans have co-pays.

What should a family look for when buying health insurance?

If you see the doctor a lot or your children frequently need a doctor’s care you may want a Health Maintenance Organization (HMO) plan. An HMO is a type of plan that has a network of doctors and facilities that you must go to for health care. Your health insurance company will have a list of doctors for you to choose from and the doctor you choose is the doctor you must go to when you feel sick. You the patient is responsible for when you visit a health care facility with a co-pay, this is good for an individual or family with children that need to see the doctor many times in a year.

If you’re a person who does not go to the doctor a lot except for a checkup, you may want a PPO plan. These insurance plans have a network of providers that you can go to receive health care at a discounted or negotiated rate. Although there is a network of doctors who agree to the negotiated rate not all do and these are considered out of network. A PPO health plan allows you to go to out of network doctors but you will be responsible for the higher non-negotiated cost of health care.

The greater the insurance coverage, the higher the premium that you need to pay for individual and family health insurance.

Buying Health Insurance Online
The internet is a powerful way to shop for insurance. Most health insurance quotes from websites will let you run comparisons of all types of plans from all the top health insurance carriers. You can search and purchase insurance online without the need to talk to an agent. The prices for insurance plans are state mandated and no one website can give you a better quote than another. Buying direct from the insurance company won’t save you money either, everybody has the same price. Working with an agent gets you free advice and helps you sort out plans that are best for you. So shop online, there is no obligation to buy and you can complete applications right online.

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Reasons Why Everyone Needs Health Medical Insurance

Health Insurance is a significant safety measure desirable to all persons for making sure a financial support as long as any medical mishap in the family. They not simply cover up any unforeseen expenses of emergencies but cover up routine and precautionary health care procedures too.

Health medical insurance is required by everybody for various reasons, not the least of which is the price of common medical care. While you might be able to get a number of medical facilities willing to proffer 10 percent discounts on visits devoid of medical insurance, this does not constantly assist you. For instance, the appointment to the physician might be inexpensive; but the lab work will not be. It is the lab work, ultrasounds, X-rays, blood analysis and other machines and procedures that really charge the most.

There are agencies in the government proffer low-priced health or medical insurance. One could try to find for companies that proffer cheap insurance as well. With cheap rate insurance, one could be convinced that he could provide the best medical consideration for his family in the occasion that one need medical cares that can be extremely expensive.

These are some significant things to recognize regarding the low-priced health/medical insurance. It is significant that one is extremely conscious on what are the things that integrated to the plan he is planning to obtain. Furthermore, he must constantly think about his family as his very own reason why he wants to obtain health insurance.

One of the major operating costs in today’s modern society is the expenditure of health insurance. Over the last hundred years, the population has augmented so radically that any country would have complexity giving universal health care, particularly with every of the modern advances that we have nowadays and the large sums of money that nearly all medical doctors and hospitals create.

There are numerous kinds of plans obtainable in health medical insurance. Nearly all of the plans will be relative to the state in which you exist. Particular states have dissimilar policies for what they will cover up. Actually, moving from one state to the next might break off your coverage, particularly if you have a pre-existing situation. A pre-existing situation enclosed by one company in one state might not move. There are a lot of things to be careful of when selecting health insurance, not the least of which is ensuring that any pre-existing situation, even with no any type of lapse in health coverage, will still be enclosed.

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Selecting the Right Health-Medical Tourism Package

You should be knowledgeable to check your priorities for medical travel abroad upon inquiring a few medical tourism facilitators. Your priorities must closely match to the information of medical tourism providers.

Your surgery package begins with registering with the medical tourism provider. Knowing your priorities, the healthcare professionals give you cost estimate. Upon checking your financing options, the cost estimate and your health-medical tourism package will be conformed against the selected destination country and healthcare provider respectively. The type of surgery also is another major concern.

The destination country, the health provider and the surgeon is introduced to get familiarize along with your first consultation. Your medical tourism provider will arrange for video conferencing with your specialist abroad allowing you to express your health concerns, the recovery period, gaining self-confidence on the surgeon’s ability and your treatment options. The specialist will review your medical records and will ask you to get yourself prepared by giving some prescriptions or precautions to follow.

You will be assigned a personnel care manager who will take care of your itinerary of the whole travel destinations including the tourist locations, paper work for travel, contacting with host country manager and are included, be assigned to you. Upon your departure from your home country, the host country manager will receive you and proceed to the hospital for registering at the hospital.

The host manager will give you all the necessary information about the local travel, important phone numbers and hand phone to keep in touch with your family abroad and arrange for your next consultation with your specialist. Your specialist examines your health condition; perform any diagnostic tests required for your surgery to know the disease maturity. You should be able to convey any other troubling health condition so that it is taken care and do not obstruct surgery’s success. Your surgery dates and recovery periods are conformed to you.

Your post-surgery treatment will be detailed which has to be followed with strict adherence. Your discharge summary, medical records and relevant prescription for post-surgery treatment are transferred to your local physician in your home country. You can opt for telemedicine option in your home country as part of your post-surgery treatment.

Getting yourself prepared for the medical travel

You should know some important information before your travel. Your passport and visa validity should be in line with your tentative surgery dates and recovery period. Your itinerary should include additional few days in case of your recovery period extension. Your medical and insurance documents, if any, should be handy all the time. You should be able to furnish them when necessary.

It is important for the host manager to know about your dietary regimen. He should advice you about nearest ATMs, which accept MASTER or VISA credit cards to meet any emergency and local expenses. Planning in temperate weather conditions will allow your immunity to faster recovery and hence you should carry appropriate clothing.

Your host manager should also inform you about local culture, language spoken and make sure the medical tourism provider assist you in keeping a translator if there is any need. Planning for recreational activities should be on the advice of your specialist.

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Is Your Health Medical Insurance Adequate For Your Needs?

Health medical insurance is needed by everyone for a variety of reasons, not the least of which is the cost of general medical care. While you may be able to find some medical facilities willing to offer 10 percent discounts on visits without medical insurance, this does not always help you. For example, the visit to the physician may be discounted; however the lab work will not be. It is the lab work, ultrasounds, Xrays, blood analysis and other machines and procedures that actually cost the most.

There are several types of plans available in health medical insurance. Most of the plans will be relative to the state in which you live. Certain states have different policies for what they will cover. In fact, moving from one state to the next may interrupt your coverage, especially if you have a pre-existing condition. A pre-existing condition covered by one company in one state may not transfer. There are many things to be cautious of when choosing health insurance, not the least of which is making sure that any pre-existing condition, even without any kind of lapse in health coverage, will still be covered.

You will need to look over the health medical insurance that your employer provides. There are different policies even within a business. Some employers offer an HMO rather than PPO plan. They may also pay a portion of your health insurance. To make sure that you are getting the coverage you need and at a decent rate from your employer, you will need to compare policies. You also need to make sure that the insurance will be enough for you. Some types of health care insurance may not be enough coverage through an employer for certain conditions.

When you are self employed or unemployed, there are still options out there for you. Medicaid is available for those who cannot get insurance through a regular insurance company. In other words, if you can’t afford the insurance from another company or they will not cover you, Medicaid is an option. For self employed individuals, most companies will offer you insurance. The coverage will be based on the needs you specify on the application. This could mean that you chose a plan for its affordability rather than its realistic help. Unfortunately, this is a fine line that many employers cross, and the days when an employee could just ASSUME that they are getting adequate health insurance coverage are long since past.

For example, insurance with a higher deductible can be harder to reach; however you typically get a better plan because of this higher deductible. The PPO will normally pay 80 percent to your 20 percent for a doctor’s visit. Medical coverage for pregnancy can also be offered, as long as the coverage is received before pregnancy becomes a pre-existing condition. You need to fully understand your medical health insurance coverage requirements before you can choose a plan that will work for you.

With self coverage policies in health medical insurance, you need to make sure the deductible you choose is something you will reach in order for the insurance to help you. You also need to make sure that the insurance company is one you can trust and that offers straightforward information regarding the policy. The legal jargon on a policy can be very confusing, but the representatives of the insurance are there to answer any questions. And if you do not ask questions, do not assume you know the answers, because in this day and age of cost cutting wherever and whenever possible, the “obvious” answer is not always the right one.

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What is a (Copayment) Copay in Health Medical Plans?

The copay is a flat payment that is the responsibility of you the patient that is assessed per event or visit. Each insurance company has different level of copays and your Doctor office staff will advise you at your time of the visitation what you’re out of pocket charges are for that visit. The medical office staff will submit the remainder of the bill to your insurance company as long as you are with an in network provider.

Some health medical plans also have separate copays for emergency room visits, lab testing, chiropractor visits and specialists. Read your health medical plans coverage of benefits booklet for more specifics on your plan prior to seeking medical attention. Your medical ID card issued by your insurance company also has your copays printed on them for ease of use and for the easy read for the Doctors office staff.

Copayment is the amount of money paid by you at the time of service for certain medical services and prescription drugs; these can range from $10 to $50 depending on your health medical plans. Copays do not apply to deductibles or out-of-pocket maximums. Health medical plans copays cover the office visit and preventive care when using in network providers and depend on whether the doctor is a general care physician or a specialist.

Example of how a copay might work in Health Medical Plans: You, the patient visit the doctor for a cold. You pay a $20 copay at the time of visit. The Doctor office bills the insurance company $100 for the negotiated price of the visit. Because the Doctor is contracted “in-network”, the insurance company only allows $100 to be charged for the office visit. Since $20 has already been paid by you the patient, they send a payment to the Doctor of the remaining balance due of $80.

If your health medical plans have a pharmacy (drug) card you may also have copays included with that benefit. These copays can have multiple tiers depending on the drug prescribed and how the insurance company has classified them. There is typically generic level; brand name (formulary) level and a brand name (non-formulary) level each at different copays.

To help save on your health medical plans premiums, you can adjust your copays higher or lower. The higher your copays the lower your insurance premium will be. It is best to see how you and your family utilize your health medical plans prior to making any changes to your plan design. Most families with young children find it beneficial to keep their copays low as they most often use them for children annual exams and often times many colds during the year. If your children are older and don’t visit the Doctors office regularly it may pay itself in savings to raise your copays to a higher level.

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What is a Health Medical Plan Deductible?

A deductible is a specific dollar amount that your health insurance company requires that you pay out of your pocket each year before the health insurance company begins to make payments for claims. As an exception, not all health medical plans have a deductible such as an HMO or a zero dollar deductible plan. However, most PPO and Indemnity plans typically do require a deductible in their plans to keep premiums affordable.

The deductible is an annual amount per insured person; there will be a maximum amount of deductibles you will have to pay in a given year. In regards to family coverage in health medical plans, your family will have an out of pocket expense by an amount of two to three times your individual deductible to satisfy first before the health insurance company pays for your claims.

For example, if the per person deductible is $1000, and you have four people in your family covered under your health insurance, the maximum family deductible will usually be $3000. Once the people in your family have paid out a $3000 deductible, no more deductibles will apply to any member of the family for the remainder of the year.

The insurance company does have a maximum of per person deductibles per policy. This can very with each policy and company is different regarding their maximum deductible and out of pocket maximum. In some health medical plans the deductible does apply to the maximum of pocket, and in other polices it is consider separate from the annual maximum out of pocket. Please be sure to read the specifics of your policy with your health medical plans company.

Health insurance deductibles can vary and will be effect your insurance premiums. By adjusting your health medical plan deductible you premiums will either increase or decrease. Typically if you increase your deductible you will lower your premium. New High Deductible Health Plans can save you and your family premium dollars over time.

The federal government regulates the detail High Deductible Health Plans limits each year. In the year 2008, the minimum deductible amount for a High Deductible Health Plan is $1,100 for individual only coverage and $2,200 for family coverage. In addition, the maximum out-of-pocket amount for individual only coverage is $5,600 and $11,200 for families. A high deductible health plan typically offers a higher deductible in return for generally lower premiums. For more detail, please contact your health medical plans broker.

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Health Medical Supplies

The purpose of this article is to give seniors and caregivers lifestyle advice that can create a positive impact. With baby-boomer closing in on retirement there are more and more seniors on the web every day. Health Medical Supplies is all about improving your life or a loved one’s life in the later years by giving comprehensive advise about health and medical supplies. In this article I just want to discuss the importance of staying active and independent for as long as possible. In my experience as a life and health insurance agent I have gone on thousands of in home appointments with seniors and I have seen everything.

I have also worked with seniors in thirteen different states, so when I say I’ve seen everything I mean literally everything, and if I haven’t seen, I’ve heard it from my co-workers. So if I had to give one piece of advise from my experience it would be “take care of your body and it will take care of you”. The healthiest seniors Ive met were always active ones, mentally and physically. I’m not saying you have to be Jack Lalanne, just try to be active is all I’m saying. Get out and walk once in a while, take the stairs, sign up for a water exercise class. Always consult your doctor before making these sort of changes to your life.

It’s amazing how big the diet industry, everyone wants to find the magical pill they can take that makes the fat melt away. So now I’m going to pass along a secret, a secret that you can use to help you lose weight that is guaranteed to work, are you ready, here it is – Diet & Exercise really work!! – whew. Glad I got that out there. When you exercise and watch what your eating you have more energy, when you have more energy you feel better, when you feel better you have less stress, etc. Its a heck of a cycle, but again it works. So what does medical supplies have to do with staying health and independent?

I will go over one of my favorites: Hot/Cold Water Therapy system is a machine that you fill up with water and then it has a tube connected to a wrap. You take the wrap and wrap it around your leg or back or hands or wherever you have pain, swelling, poor circulation, etc. You turn the machine on and it pumps hot or cold water through the wrap increasing you blood flow and reducing any pain or inflammation that you are experiences. I luckily have access to this machine so I use it my self. I like to do 15 minutes of hot water and then 15 minutes of cold water therapy until I’m satisfied. So if you have Medicare you can get one of these for nothing. So hopefully I have helped someone out today and then maybe I’ll help out another person tomorrow or next week with this article. I just know that I can reach so many more people online. So that’s it hope you enjoyed and have a great day!

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Adult Health Clinicals

Adult health provides students with training in the general care of adult patients. Instructors will have lecture about primary care, pathophysiology, medication, patient education, and all of the body functions.

During this clinical rotation, you should already be comfortable with communicating with patients. So students can get used to a nurses schedule, usually the clinical rotation days will be 12 hours long from 7am-7pm. The particular school I went to scheduled our clinical days either on the weekend or 1-2 days a week when we did not have lecture.

Hospitals may have you sign a waiver and come to orientation in order to ensure students are aware of the rules and regulations of that particular facility. This orientation includes information on safety, security, HIPPPA regulations, patient privacy, and that particular hospitals charting system. Sometimes students are given hospital badges just like the employees are given.

The day before your clinical day, you are assigned a patient and will have to obtain information before showing up that next day. My particular school had a few different ways for us to get patient information. One semester, we were to get the patient information by driving to the hospital the day before. We were told what floor to go to, then a list would be at the nurse’s station or in the break room telling each student what room numbers they are assigned to and that nurses name. Once we had all the room numbers, we were to find the patients chart and get demographic information, age, race, history, diagnosis, lab values and any other information you think your instructor may quiz you on that next morning. This was very time consuming because the charts are not always available. Some facilities don’t have electronic charting and hunting the chart down can be tasking. Doctors come and take the charts to review and write orders, nurses and nurse assistants have to write in the chart also.

You should only be assigned about 2-3 patients when you first start clinicals. Until you master time management, you won’t be able to handle even one patient. In my case, I had two patients to look information up on. We were only allowed to get the patient information after 6pm. I remind you that this is the day before clinicals and we had to meet our instructor at the hospital at 6:30am the next day. Once you have the patient’s diagnosis, medications and lab values, you will have to do some research.

Do know what the diagnosis means and why the patient is in the hospital because of it. Example: If the patient is admitted for hypertension. Know what hypertension means, why does the patient have it, how is it being treated, what you can teach the patient about how to monitor blood pressure and that a low sodium diet would be best to consume in order to keep blood pressure down. Your instructor may ask you how hypertension affects other body systems.

Try to get as much sleep as you can the day before clinicals. Bring cash for lunch or try not to pack a large meal. Students share the break room with hospital staff and there is not much room in the refrigerator for you lunch bag. Put on your best smile because you will not click with every nurse you instructor puts you with, so try to learn as much as you can, be very helpful and ask questions.

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Marketing Your Health Clinic

It seems to be the case that many of the people who are attracted into the healing professions are not necessarily the most business-minded of people. This is a generalization, of course, but after coaching with osteopaths, chiropractors, masseurs, sports therapists, fitness trainers and many others in similar fields it would appear to be the case. The idea of selling yourself and letting the world know who you are and what you do is not appealing to everyone, but it is nonetheless vital in establishing a great, profitable business.

So what makes a successful healthcare practice? I would argue that foremost it is marketing. There, I’ve said it. Marketing. Probably one of the most disliked words I hear from colleagues and coaching clients.

What does marketing mean to you? If you are answering: adverts, yellow pages, expensive, waste of money, then you’re probably just being misled by the media portrayal of the marketing industry.

Because marketing is so much more than that…

Every time you see a patient you are engaged in marketing

Every time you speak to a friend, or an acquaintance you are marketing

Every time you even speak to a stranger about what it is that you do, you are marketing.

Sure there are the established ways of advertising and promotional activities, but there are so many more ways to market yourself and your healthcare practice.

In her book on client attraction “Get Clients Now”, CJ Hayden identifies 6 main ways to market yourself if you are a solo professional. She also lists them in terms of their effectiveness. The list looks like this:

1) direct contact
2) networking/ referral
3) public speaking
4) writing
5) promotional activity (PR)
6) advertising

What this means is that the most effective ways to attract new patients into your practice are direct contact with possible patients and a good networking/ referral scheme for patients to hear about you. In both these cases you establish not just visibility, but also credibility. When it comes to advertising and PR, you have visibility without credibility – you may say you’re the best osteopath in Europe but you would say that wouldn’t you? This isn’t to say that PR and advertising don’t work, but rather that they are perhaps not as effective as the other methods.

What does this mean to us as therapists then? Well first and foremost it means that we could adapt a marketing strategy based entirely around networking with local Doctors (for example), which may be highly cost efficient and also extremely effective. You don’t have to take out high price ads in local papers. Perhaps rather than just advertising in your paper, you could write articles for it, being a health specialist in an area of interest. Or give talks in your area of expertise to groups of people who fall into your “ideal patient” profile. The more you can expose your potential patients to your services the busier your practice will become.

Always remember that there are a variety of ways to market your healthcare business and many of them won’t cost you a single penny.

Andre Duquemin spent hundreds of hours and far too much money building his own health practice. Now he works with other health professionals to help them avoid making the same expensive mistakes he did. Andre believes in building health practices with integrity and is firmly against any hard-sell marketing methods.

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Mental Health Clinics

Clients to mental health clinics are usually not admitted arbitrarily. The process usually consists of an initial interview with a community worker or a mental health professional. If a client is considered in need of residential or out-patient treatment at a mental health clinic, an extensive history of the mental illness will then be recorded. Such assessments will also include interviews with other doctors and family physicians who have noted the onset and progress of the ailment.

The staff at mental health clinics usually consists of psychiatrists, psychologists, mental health nurses, and support personnel who are specially trained. The scope and activities of mental health clinics in America generally falls under the purview of the CMHC (Community Mental Health Centers). This body issues licenses to clinics and centers for the practice of mental health-related treatment.

Considering that mental health crises do not always announce themselves in advance, a mental health clinic or center usually offers twenty-four-hour emergency services. These include inpatient hospital referral, since many cases are diagnosed in hospitals while the client is under treatment for other health problems.

Mental health problems affect people from all age groups, and American mental health clinics also offer services specifically for the aged as well as children and adolescents. The reasons that commonly lead to a referral for elderly persons range from senile dementia and Alzheimer’s disease to problems related to chronic alcohol abuse. Mental health problems typical to the aged fall under the category of geropsychiatric medicine.

Teenagers and young adults often find themselves in need of mental health services because of substance abuse, inherited mental problems, and Attention Deficit Disorders (ADD).

The services available at mental health clinics necessarily include group therapy, individual and family counseling, and a social awareness cell. The latter would be staffed by personnel who could explain the various issued surrounding metal health in layman’s terms to clients and their families. They are also an integral part of the evaluation process.

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