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What's the difference between and HMO & a PPO?

It’s only been about a decade or so since managed care became the way most people receive their healthcare coverage. When it comes to managed healthcare, it comes down to one of three plans: PPO, HMO, or POS. It can be a challenge trying to decide which option is best for you. PPOs have a slight edge over HMOs, with slightly more individuals opting for Preferred Provider Organizations over Health Maintenance Organizations. PPO – a hybrid offering a combination of options from both plans – presents a third option.

Similarities Between Plans

All managed healthcare plans involve contracts with doctors, hospitals, and other medical providers. These providers operate within a specific network, meaning that patients seen by a certain doctor must go to certain hospitals for treatment. The differences in each plan come down to factors such as flexibility of out-of-network coverage and how much you are willing to pay for certain conveniences. Generally, the more freedom of choice you have among doctors, hospitals, and pharmacies, the higher premium (Read More....)

Student Health Insurance Options

As a student, obtaining the best health care coverage possible is a major priority. Without insurance, a serious injury or accident could sideline you with thousands of dollars in medical bills and potentially cause you to drop out of school. While there are many options available to you as a student, they will soon be changing, because of the Affordable Care Act. Signed into law in 2010 by President Obama and known as Obamacare, this law is designed to introduce new health insurance programs along with a health insurance exchange. Here are your current options for student health insurance as they currently stand.

Parents’ Employer-Provided Plan

According to USAToday, more than two-thirds of college students were covered under their parents’ health insurance plans in 2010. According to the latest health care revisions, students can now stay under their parent’s health insurance plans until they turn 26. The best advantage associated with this is that you can get much better coverage than you could get on your own as a student. Along with this, you will not be excluded from the plan because of a pre-existing condition.

However, if you are currently attending a school away from home, you may not be able to obtain coverage from providers on your parents’ health insurance plan. This (Read More....)

Tips for Choosing the Right Health Insurance Plan

To protect you from various expensive medical costs, it’s best to choose a great health insurance plan that works well with your current situation. Many people make the unfortunate mistake of buying into a plan that either doesn’t cover all of their expenses adequately or has an insanely high premium. Let’s take a look at how you can find the best health insurance plan for your situation.

Choosing the Perfect Plan

Be sure to fight the immediate urge to lower your premium payments for the month by choosing a plan that negates certain benefits like prescription drugs. Instead of doing this, you can simply lower your premium payment by either agreeing to a higher limit out-of-pocket or choosing a higher deductible. Keep in mind that by choosing this plan, you’ll receive virtually no initial benefits during the years that you are healthy. However, this is a great option to better protect you in the future from the high cost of medical bills.

How Do I Know That I’ve Found Great Insurance?

A great insurance plan, when found, will cover various types and kinds of medical care. This may include things like prescription costs, lab tests, preventative care, (Read More....)

Five Health Measures That Will Prompt Insurers To Lower Your Life Insurance Rates

Health insurance is an expensive necessity. And for some of us, life insurance is more expensive than for others. Since the late 80s, health insurance companies have been charging people with certain avoidable risk factors more than others. The logic makes sense from an insurers point of view. Those habits will cause you to develop more illnesses that doctors will have to pay for. Here are a few changes that you can make in your life to lower your blood pressure.

Lower Your Body Mass Index

One way that health insurance companies calculate your insurance premium is by your Body Mass Index or BMI. In the United States, you are considered overweight according to the United States government. If your BMI is over 30, then you are considered obese. People with BMIs over 40 are considered morbidly obese.

The higher your BMI, the more weight-related medical problems your health insurance will have to cover. Different insurance companies have different scales for raising rates according to BMI. But the general rule is that people with BMIs over 30 pay higher premiums. If you can reduce your BMI to a health number through diet and exercise, your insurance (Read More....)

Green Living As A Factor For Life Insurance Companies

Green living will not only improve a person’s health, it can lower health insurance rates as well. Being active through exercise and other forms of activity help keep our bodies strong, fit and resistant to disease. Along with physical activity, a person must eat healthy and wise. Organic foods are one of the best ways to ensure high quality food with many nutrients, and little additives.  Recent studies show that processed foods high in preservatives and other chemicals are dangerous to our health. Rates regarding cancer, obesity and even mental disorders have all been linked to poor quality foods. One of the best things a person can do is eat high quality organic food. This includes free range meats with no antibiotics, that are fed a natural diet. Also necessary are fruits and vegetables high in vitamins and minerals that have not been treated with insecticides.

Choose Organic Foods for Health

Active Lifestyles Improve All Aspects of Life

While being able to run a marathon is great, it isn’t a requirement for being fit. Being fit means that a body is healthy, doesn’t carry too much excess weight and is capable of (Read More....)