Archive for February, 2008
Student Health Insurance
If you don’t have a health plan, often there is a health plan available at the college your child is attending. Sometimes colleges require health care coverage as part of enrollment. There is usually an additional cost to subscribe to this plan, and considering how expensive tuition is these days, many do not consider paying […]
Health Insurance and Bankruptcy
Did you know that half of U.S. bankruptcies, affecting 2 million people annually, were attributable to illness or medical bills? As we continually look for answers in regard to handling todays health care crisis, it is important to look outside the box with the items that are under our control as a consumer of health […]
Should a Child Be My Life Insurance Beneficiary?
Children can be named as the beneficiary on a life insurance policy. However, the insurance company will not send a large check to a three year old child. There are several ways this can be handled. One option is the insurance company will hold the money until the child turns 18. Another option is the […]
How to Prevent Health Insurance Claim Denials
There are things you could do to reduce the chances of your claim being denied by your health plan. Here are some of them:
Prevention Section
Review your policy booklet and understand the benefits and limitations to your policy. Know what is covered and what is not covered. If you don’t understand an aspect of your health […]
Can I negotiate my doctor bills?
If you receive a bill for the portion your health plan did not pay or cover, or if you have no health insurance and are receiving a bill for the entire medical service or procedure, then you should begin preparing to negotiate. Less than 15% of consumers have asked their physician to negotiate their medical […]
Should You Buy Your Own Private Health Insurance Plan?
Many people these days are deciding to opt out of their employer’s health insurance plan in order to find more affordable options. The Holland family from Cincinnati, Ohio decided it was time to make a change from paying $860 per month for their employer sponsored plan through the husband’s workplace. They started out their search by logging […]
Should I waive off my employer sponsored health insurance plan?
Based on most health carrier contracts with employers, the carrier would require you to accept your employer sponored coverage if and only if the employer is covering 100% of the health insurance premium. But, as most people have realized, an employer that pays all of any employees health insurance premium is very hard to come across in these times. Therefore, in many situations employees should […]
