Great Tips For Choosing The Right Health Insurance
Health insurance can be a very broad and confusing topic. When you consider all the different policies available, you might not know how to determine which is the best one for you. However, you do need to educate yourself because it involves a decision that is too important to get wrong. Here are some tips to get you on your way.
When purchasing auto insurance, you can keep costs down by naming your spouse, if you have one, as a driver on the policy. Many insurance companies will first offer a discount for a combined policy rather than holding two separate policies for the same household. Plus, marriage is seen as a stabilizing effect that reduces your risk.
Consider the pros and cons of the different types of health insurance plans that are available. You will need to research Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Point of Service (POS), Health Savings Account (HSA) and traditional indemnity. Find as much information as possible about each kind before enrolling into the program.
When you have done your research on your health insurance, and are finally sure that you have found what you need, you must start to fill out the forms to apply for it. Make sure that you are extra careful and that you are honest. A simple honest mistake or leaving out something important could cause you to be denied coverage. When you have finished filling it out, make sure that you read over it a couple more times to make sure that everything is correct.
Even indoor pets can benefit from having a health insurance plan. There are always going to be hazards like injuries and accidental poisons, basically anything may happen. Though your pet may be indoors, it could still manage to chip a tooth or damage a part of its body, for which treatment will cost quite a bit of money.
Your prescription benefits can change from year to year, so check with your insurance provider on an annual basis to make sure that you still have the coverage you expect. Health insurance companies like to change what medications they are willing to cover, so make sure you read the fine print every time you re-enroll. If a pill you are using every day is no longer covered, you might want to switch to another insurance company.
When you get married, you should add your spouse to your health insurance right away. There are some companies that will not cover your spouse without you adding them to your policy. It does not take a lot of time and you can often add them to your policy over the phone. Although, you may have to provide proof of your marriage.
Many people who are self-employed face a quandary about health insurance. They know they need to be covered in case of health emergencies, and yet the cost of health insurance for individuals is so high as to be prohibitive for many. Some people get around this by buying major medical coverage only. This type of policy has a very high deductible, covers no preventive care - however, it will cover situations where the person will require admission to a hospital.
Before you choose your health insurance, you may want to check out both federal and local laws regarding health insurance. Normally it is very standard information, but arming yourself with knowledge before talking to an agent can ensure that you aren't taken advantage of by an agent looking to get the best commission.
Understand copays and deductibles. Look at your plan carefully, and make sure you understand exactly what is covered, and what you are responsible for. The last thing you want is a health insurance plan that doesn't cover what you need. Take into account how much you will have to pay for each doctor's visit and what your initial deductible is before insurance kicks in.
When purchasing a health insurance policy, never pay by cash. Always provide the agent with a check or credit card number instead. Always make the check payable to your insurance company, never the agent. This will provide you with a receipt of your purchase and protect you from any dishonest action on the part of your agent.
Stop smoking and wear your seat belt to save money on your health insurance. Many companies offer discounts or financial incentives to individuals who lead a healthy life. Even business policies often offer such incentives if you participate in a wellness program. Check with your insurance agent or Human Resource Department to see if you qualify.
Even if you have a job, as long as you are a low income family you can qualify for Medicaid. This can help by lowering the amount of money you pay out of pocket for medical care, and therefore you can sign up for a non-comprehensive insurance plan to cover the bills you do pay.
Make sure you have enough coverage. It is better to pay more than you planned for a good health plan than to go under insured. If you don't have enough coverage for your needs, you will end up paying far more out-of-pocket expenses throughout the year, money that could have been used on a better insurance plan.
Use a broker to find the plan for you. A broker can help you negotiate policy costs with several different insurance companies. They can also easily explain the pros and cons of each policy. Make sure your broker works with a large number of credible insurance companies and check his credentials as well.
Your doctor should give your records to the Medical Information Bureau. If they are, you can request a copy for free, once a year.
If you don't have insurance and are looking to find ways of getting covered, or if you are having questions about your current coverage, costs and ways to save, then you came to the right place. Use the tips given to you here to go out and get the coverage you need or make changes to your existing policy.
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Indian American doctors pitch in with free telehealth advice during India's Covid-19 crisis
As the coronavirus crisis in India spirals out of control and its health care system crumbles, the Indian diaspora in the US is pitching in to help. Sitting thousands of miles away, unable to be there physically to help and feeling the grief and desperation of their loved ones back home, Indian American doctors provided friends and family with medical advice over phone and video calls.
But as the avalanche of Covid-19 deaths and cases continues to cripple the health care system during the second wave, the doctors are going beyond helping just family and friends. Some of them are now staying up nights, when it is daytime in India, to advise other coronavirus patients and raise money for medical supplies.
"I didn't have to pay for my five years of medical school education in India, except for student union fees. So we all feel like we owe it to India. Some poor farmer must have paid taxes for us to go to medical school free. I have always felt I owe something back ... and I think most of them see it that way," said Dr. Kalpalatha Guntupalli of Baylor College of Medicine.
India has been recently reporting more than 400,000 Covid-19 cases daily and at least 4,000 deaths. And with oxygen, medical necessities and vaccines in short supply, the principal scientific adviser to the Indian government, K. VijayRaghavan, is warning that a third wave of the Covid-19 pandemic is "inevitable" in India.
"A phase three is inevitable, given the higher levels of circulating virus, but it is not clear on what time scale this phase three will occur," VijayRaghavan said at a news conference, asking authorities to be prepared for new waves.
CNN spoke to some doctors who are helping coronavirus patients in India from afar. Here are some of their stories.
https://edition.cnn.com/2021/05/09/us/india-covid-doctors-us-telehealth-help/index.html