One of the most sweeping changes to the health insurance marketplace is coming Oct. 1, when new marketplaces, also called exchanges, go live. The exchanges will allow health insurance customers to search for new coverage, and tap into federal subsidies to help offset premium costs. For many, it will be the first time shopping individually for coverage, with new online marketplaces being set up by states and the federal government to handle those transactions. So just how many will be visiting the…
Reported by bizjournals 1 day ago.
How many will dive into new health insurance exchanges?
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Walgreens to Provide Employer-Sponsored Health Insurance Through Aon Hewitt Corporate Health Exchange in 2014
DEERFIELD, Ill.--(BUSINESS WIRE)--Walgreens will provide more than 160,000 eligible employees with employer-sponsored health insurance coverage in 2014 through a marketplace that is an outsourced solution through Aon Hewitt.
Reported by Business Wire 1 day ago.
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Consumers Direct Insurance Services Takes the Confusion out of Obamacare
Blue Cross and Blue Shield Senior General Agency is the top resource to assist enrollees in the Affordable Care Act’s Health Insurance Marketplace Exchange. CDIS navigates the choppy waters of health reform for Oklahoma, New Mexico and Texas residents.
Riverwoods, Illinois (PRWEB) September 18, 2013
The Patient Protection and Affordable Care Act (PPACA) Open Enrollment starts October 1, 2013, which, for over 45 million uninsured Americans, is one of the most anticipated dates in the last three years. The question is whether enrollees are ready for the frenzy of Obamacare?
Consumers Direct Insurance Services, Inc. (CDIS), an Independent, Authorized Senior General Agent for Blue Cross and Blue Shield of New Mexico, Oklahoma and Texas is taking the mystery out of PPACA for enrollees.
Enrollees will have a few options available once they enter the health insurance marketplace, either government navigators, brokers or a do-it-yourself approach. CDIS has an organization of fully licensed and trained education specialists and administration that is certified with the Department of Health and Human Services (HHS) to offer personalized support and guidance in the health insurance marketplace at the start of enrollment.
“Consumers Direct Insurance Services has been preparing for the Affordable Care Act Open Enrollment for the last three years,” states Scott Loochtan, President of Consumers Direct Insurance Services, Inc. “We have put the proper certification and technological processes in place to help enrollees understand and secure options within the health insurance marketplace.”
With October and the Open Enrollment fast approaching, the government has been working diligently in partnership with insurers like Blue Cross and Blue Shield of NM, OK and TX to ensure that processes are maintained and information is disseminated in an accurate and succinct way. As part of this process, CDIS regularly updates its comprehensive state-specific websites with straightforward articles, informative blogs and basic glossaries that remove the clutter that regularly distracts people from what is important to them.
Under the Affordable Care Act (ACA), insurers will be required to offer standardized plans that fall under the four levels of coverage: platinum, gold, silver and bronze, also known as “Metal Plans”. Within the health insurance marketplace exchange, all insurers must offer a silver and gold plan option with all the plans including the same minimum ten essential health benefits. However, each benefit value or coinsurance will differ between each plan with the platinum plans offering the most generous coverage or least amount of individual out-of-pocket exposure and the bronze plans will have the least generous coverage or more out-of-pocket exposure for the enrollee.
“We know that insurance, regulations and legislation can be difficult to comprehend for many people and we place transparency and corporate social responsibility at the core of our business practice,” noted Loochtan. “We advise enrollees to utilize our education specialists in navigating them in the marketplace because we have the experience, resources and education that sets us apart and put the interests of our existing and future clients first.”
Consumers Direct Insurance Services’ experience with the senior market and Medicare has been beneficial in preparing for the Affordable Care Act. Its certified education specialists make themselves available in a variety of ways through technology, over the phone or the old fashioned in person appointment.
“CDIS has always been at the forefront of technology while maintaining the personal human touch of one-on-one relationships,” said Loochtan. “We are ready to assist the thousands of NM, OK and TX residents and small business owners in need of securing health insurance. We will continue to be their advisors after the enrollment process offering peace of mind for their future.”
About Consumers Direct Insurance Services, Inc. (CDIS)
CDIS, Inc. is a multi-state Independent, Authorized Senior General Agent for Blue Cross and Blue Shield of New Mexico, Oklahoma and Texas and was founded in an effort to bridge the gap between education and insurance. Headquartered in Riverwoods, IL, the company has an executive team with over 100 years experience. This team has been providing world-class healthcare guidance to over 15,000 active clients. For more information, please visit one of our state specific websites http://www.CDISofNM.com, http://www.CDISofOK.com and http://www.CDISofTX.com.
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MEDIA CONTACT:
Jason Vida
CDIS, Inc.
855.744.2583 (office)
jasonv(at)cdisinsure(dot)com Reported by PRWeb 1 day ago.
Riverwoods, Illinois (PRWEB) September 18, 2013
The Patient Protection and Affordable Care Act (PPACA) Open Enrollment starts October 1, 2013, which, for over 45 million uninsured Americans, is one of the most anticipated dates in the last three years. The question is whether enrollees are ready for the frenzy of Obamacare?
Consumers Direct Insurance Services, Inc. (CDIS), an Independent, Authorized Senior General Agent for Blue Cross and Blue Shield of New Mexico, Oklahoma and Texas is taking the mystery out of PPACA for enrollees.
Enrollees will have a few options available once they enter the health insurance marketplace, either government navigators, brokers or a do-it-yourself approach. CDIS has an organization of fully licensed and trained education specialists and administration that is certified with the Department of Health and Human Services (HHS) to offer personalized support and guidance in the health insurance marketplace at the start of enrollment.
“Consumers Direct Insurance Services has been preparing for the Affordable Care Act Open Enrollment for the last three years,” states Scott Loochtan, President of Consumers Direct Insurance Services, Inc. “We have put the proper certification and technological processes in place to help enrollees understand and secure options within the health insurance marketplace.”
With October and the Open Enrollment fast approaching, the government has been working diligently in partnership with insurers like Blue Cross and Blue Shield of NM, OK and TX to ensure that processes are maintained and information is disseminated in an accurate and succinct way. As part of this process, CDIS regularly updates its comprehensive state-specific websites with straightforward articles, informative blogs and basic glossaries that remove the clutter that regularly distracts people from what is important to them.
Under the Affordable Care Act (ACA), insurers will be required to offer standardized plans that fall under the four levels of coverage: platinum, gold, silver and bronze, also known as “Metal Plans”. Within the health insurance marketplace exchange, all insurers must offer a silver and gold plan option with all the plans including the same minimum ten essential health benefits. However, each benefit value or coinsurance will differ between each plan with the platinum plans offering the most generous coverage or least amount of individual out-of-pocket exposure and the bronze plans will have the least generous coverage or more out-of-pocket exposure for the enrollee.
“We know that insurance, regulations and legislation can be difficult to comprehend for many people and we place transparency and corporate social responsibility at the core of our business practice,” noted Loochtan. “We advise enrollees to utilize our education specialists in navigating them in the marketplace because we have the experience, resources and education that sets us apart and put the interests of our existing and future clients first.”
Consumers Direct Insurance Services’ experience with the senior market and Medicare has been beneficial in preparing for the Affordable Care Act. Its certified education specialists make themselves available in a variety of ways through technology, over the phone or the old fashioned in person appointment.
“CDIS has always been at the forefront of technology while maintaining the personal human touch of one-on-one relationships,” said Loochtan. “We are ready to assist the thousands of NM, OK and TX residents and small business owners in need of securing health insurance. We will continue to be their advisors after the enrollment process offering peace of mind for their future.”
About Consumers Direct Insurance Services, Inc. (CDIS)
CDIS, Inc. is a multi-state Independent, Authorized Senior General Agent for Blue Cross and Blue Shield of New Mexico, Oklahoma and Texas and was founded in an effort to bridge the gap between education and insurance. Headquartered in Riverwoods, IL, the company has an executive team with over 100 years experience. This team has been providing world-class healthcare guidance to over 15,000 active clients. For more information, please visit one of our state specific websites http://www.CDISofNM.com, http://www.CDISofOK.com and http://www.CDISofTX.com.
###
MEDIA CONTACT:
Jason Vida
CDIS, Inc.
855.744.2583 (office)
jasonv(at)cdisinsure(dot)com Reported by PRWeb 1 day ago.
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Zane Benefits Publishes New Information on Minnesota Health Insurance Exchange Rates
Minnesota Health Insurance Exchange rates among lowest rates released so far.
Park City, Utah (PRWEB) September 18, 2013
Today, Zane Benefits, the number one online small business health benefits solution, published new information on Minnesota health insurance exchange rates.
According to Zane Benefits’ website, the Minnesota Health Insurance Exchange, also known as MNsure, recently completed its rate reviewing process.
In total, 141 plans were approved: 78 individual plans and 63 small group plans, and every plan saw a reduction in rates varying from 4% to 37% lower than the original filings.
A total of 5 insurance companies will be offering health individual insurance plans through MNsure:
Blue Cross and Blue Shield of Minnesota
Group Health, Inc.
Medica Health Pan of Wisconsin
PreferredOne Ins. Co.
UCare
Of these five insurers, the three that will be offering plans through the small group market are Blue Cross and Blue Shield of Minnesota, Medica Health Plan of Wisconsin, and PreferredOne.
Some residents will be able to buy health insurance for as low as $91 a month. The table below shows the lowest monthly rates for certain ages in the Saint Paul/Minneapolis Metro Area.
Rates will vary by region, age, and tobacco use. For health insurance plan purposes, Minnesota is divided into 9 different regions, as described in the map below. And the table underneath shows the average individual market premium rates by area, age, and policy.
Click here to read the full article.
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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit http://www.zanebenefits.com. Reported by PRWeb 23 hours ago.
Park City, Utah (PRWEB) September 18, 2013
Today, Zane Benefits, the number one online small business health benefits solution, published new information on Minnesota health insurance exchange rates.
According to Zane Benefits’ website, the Minnesota Health Insurance Exchange, also known as MNsure, recently completed its rate reviewing process.
In total, 141 plans were approved: 78 individual plans and 63 small group plans, and every plan saw a reduction in rates varying from 4% to 37% lower than the original filings.
A total of 5 insurance companies will be offering health individual insurance plans through MNsure:
Blue Cross and Blue Shield of Minnesota
Group Health, Inc.
Medica Health Pan of Wisconsin
PreferredOne Ins. Co.
UCare
Of these five insurers, the three that will be offering plans through the small group market are Blue Cross and Blue Shield of Minnesota, Medica Health Plan of Wisconsin, and PreferredOne.
Some residents will be able to buy health insurance for as low as $91 a month. The table below shows the lowest monthly rates for certain ages in the Saint Paul/Minneapolis Metro Area.
Rates will vary by region, age, and tobacco use. For health insurance plan purposes, Minnesota is divided into 9 different regions, as described in the map below. And the table underneath shows the average individual market premium rates by area, age, and policy.
Click here to read the full article.
--
About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit http://www.zanebenefits.com. Reported by PRWeb 23 hours ago.
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Walgreen will send employees to health insurance exchanges
Walgreen Co. is expected to announce it will provide payments to eligible employees for the subsidized purchase of health insurance beginning in 2014, according to the Wall Street Journal. The pharmacy chain plans to require about 160,000 employees to shop for coverage on a private health-insurance marketplace. The move would make Walgreen one the largest employers yet to make major changes to its health insurance coverage for employees, according to the Wall Street Journal. The company, which…
Reported by bizjournals 23 hours ago.
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Walgreen will send employees to health insurance exchanges (Video)
Walgreen Co. is expected to announce on Wednesday that it will provide payments to eligible employees for the subsidized purchase of health insurance beginning in 2014. The Wall Street Journal said Walgreen's plan would require employees to shop for coverage on a private health-insurance marketplace. Walgreens has hundreds of drugstores in South Florida and 854 in total inside the Sunshine State. The move would make Walgreen's one the largest employers yet to make major changes to its health insurance…
Reported by bizjournals 21 hours ago.
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Walgreen Moving Employees to Health Insurance Exchange
Drugstore giant Walgreen is joining IBM and a growing number of other companies sending their employees shopping for health insurance on a private health insurance exchange. Walgreen, the parent company of eponymous drug store chain Walgreens, will continue to pay the same contribution it always has, but some 120,000...
Reported by Newser 19 hours ago.
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Walgreens sending employees to health insurance exchanges (Video)
Walgreen Co. is expected to announce on Wednesday that it will provide payments to eligible employees for the subsidized purchase of health insurance beginning in 2014. The Wall Street Journal said Walgreen's plan would require employees to shop for coverage on a private health-insurance marketplace. The move would make Walgreen's one the largest employers yet to make major changes to its health insurance coverage for employees. Walgreen's plan would affect roughly 160,000 employees, the Journal…
Reported by bizjournals 20 hours ago.
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NM ranks high for percentage of kids enrolled in public health insurance
New Mexico is one of the states with the highest percentages of children who are eligible for public health insurance programs enrolled in them, according to a study released Wednesday by the Robert Wood Johnson Foundation. The state’s 90 percent enrollment rate for children who are eligible for Medicaid and the Children’s Health Insurance Program was 20th among the states in 2011 and higher than the national average of 87.2 percent. In 2008, the national average was 81.7 percent. Vermont had…
Reported by bizjournals 19 hours ago.
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Health Insurance Exchanges: Don't Everyone Show Up At Once!
On Oct. 1, health insurance exchanges will open for business across the United States. Our advice: wait.
Reported by Forbes.com 17 hours ago.
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More than 1 million Texas children lack health insurance, report says
Nearly a quarter of Texans are without health insurance, again the highest rate in the country. Current Population Survey estimates released Tuesday by the U.S. Census Bureau showed 24.6 percent of Texans lacked health insurance last year, even as the national uninsured rate declined from 15.4 percent to 15.1 percent. About 48 million Americans, including more than 6 million people in Texas, were uninsured in 2011 and 2012, according to the survey. The rate of […]
Reported by Raw Story 17 hours ago.
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Walgreens Moving Eligible Employees To Health Insurance Exchange
Walgreen Co., the parent company of Walgreen’s, is joining the “Let’s change our health care” party, right after Trader Joe’s announced it’d be giving employees money to purchase their own health insurance on the exchange system. The company announced today that it will send eligible employees shopping for coverage instead of using a company-backed system.The Wall Street Journal says … [More] Reported by The Consumerist 16 hours ago.
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Walgreens moves workers to private health insurance exchanges
Walgreens is shifting employees to private health insurance exchanges, the latest large employer to do so in the face of rising healthcare costs. Walgreens will give employees money to choose from up to 25 private plans.
Reported by Christian Science Monitor 17 hours ago.
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Should You Stay on Your Parents' Health-Insurance Plan?
The Affordable Care Act gives young adults several options when it comes to getting health-insurance coverage. Here's what families need to know.
Reported by Wall Street Journal 15 hours ago.
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The Perils of Out-of-Pocket Costs
Small businesses offering health insurance tend to require employees to cover significantly more out-of-pocket than do big companies—and new limits imposed by the health law likely won't ease the pain.
Reported by Wall Street Journal 11 hours ago.
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Tax credits could take sting out of health insurance premiums
It's arguably the most audacious consumer feature of the 2010 Affordable Care Act, which mandates that nearly every person must have health coverage by Jan. 1.
Reported by Freep 8 hours ago.
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Zane Benefits Publishes New Information on Financial Stress in the Workplace
Human resources study finds that many employees have financial stress that affects their productivity.
Park City, Utah (PRWEB) September 19, 2013
Today, Zane Benefits, the number one online small business health benefits solution, published new information on financial stress in the workplace.
According to Zane Benefits’ website, Purchasing Power recently released a nation-wide survey asking employees about the financial stress they feel on a day-to-day basis and how it affects them at work. Stress over money takes both a mental and physical toll on workers, increasing health related costs and decreasing productivity by a significant amount.
Employers who understand the financial stress of its employees can help improve the financial wellness of their workers and improve the company’s bottom line at the same time.
Financial Wellness is having an understanding of personal financial situations and managing it in a manner in which there is preparation for financial changes. This means:
Managing money
Having no debt or having a plan to reduce your debt
Living within reasonable means
Having an emergency fund
Saving for retirement
Not being worried about money all of the time
Current Financial State of Full Time Employees
Although 44% of current full time employees say that they are better off financially in 2013 than they were in 2012, that same percentage amount says that they wouldn’t be able to pay $2,000 if an emergency occurred.
Full time workers bring their financial stress to work. 44% of American full time workers say they worry about financial issues during work hours. Furthermore, the survey shows concern that this financial stress is a distraction at work and can have major impact on focus and productivity.
It is suggested that employers provide financial education and financial wellness programs at work to help employees change their money behaviors and increase their financial literacy.
One example would be an employee purchase program which promotes disciplined purchasing through manageable payments and pre-set spending limits and controls to prevent over-spending. By helping employees achieve financial wellness, businesses can increase employee loyalty, build and maintain productivity, and improve job satisfaction.
Click here to read the full article.
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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit http://www.zanebenefits.com. Reported by PRWeb 6 hours ago.
Park City, Utah (PRWEB) September 19, 2013
Today, Zane Benefits, the number one online small business health benefits solution, published new information on financial stress in the workplace.
According to Zane Benefits’ website, Purchasing Power recently released a nation-wide survey asking employees about the financial stress they feel on a day-to-day basis and how it affects them at work. Stress over money takes both a mental and physical toll on workers, increasing health related costs and decreasing productivity by a significant amount.
Employers who understand the financial stress of its employees can help improve the financial wellness of their workers and improve the company’s bottom line at the same time.
Financial Wellness is having an understanding of personal financial situations and managing it in a manner in which there is preparation for financial changes. This means:
Managing money
Having no debt or having a plan to reduce your debt
Living within reasonable means
Having an emergency fund
Saving for retirement
Not being worried about money all of the time
Current Financial State of Full Time Employees
Although 44% of current full time employees say that they are better off financially in 2013 than they were in 2012, that same percentage amount says that they wouldn’t be able to pay $2,000 if an emergency occurred.
Full time workers bring their financial stress to work. 44% of American full time workers say they worry about financial issues during work hours. Furthermore, the survey shows concern that this financial stress is a distraction at work and can have major impact on focus and productivity.
It is suggested that employers provide financial education and financial wellness programs at work to help employees change their money behaviors and increase their financial literacy.
One example would be an employee purchase program which promotes disciplined purchasing through manageable payments and pre-set spending limits and controls to prevent over-spending. By helping employees achieve financial wellness, businesses can increase employee loyalty, build and maintain productivity, and improve job satisfaction.
Click here to read the full article.
--
About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit http://www.zanebenefits.com. Reported by PRWeb 6 hours ago.
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Latest Edition of Annual Book Tracks Trends in U.S. Health Insurance Industry
Published by Atlantic Information Services, Health Plan Facts, Trends and Data: 2013-2014 serves as a summary report on the state of the U.S. health insurance industry, providing reliable data, directories and other valuable resources.
Washington, DC (PRWEB) September 19, 2013
Health insurance plans are the nation’s most powerful drivers of U.S. health, wellness, productivity and financial security — insuring more than 250 million people, employing more than 500,000 people and generating $500 billion in revenues. But as key provisions of the Affordable Care Act take effect, substantial changes are underway throughout the industry. Now available from health business information publisher Atlantic Information Services, Health Plan Facts, Trends and Data: 2013-2014, the latest edition of its best-selling annual book, serves as a summary report on the state of the U.S. health insurance industry, with coverage on topics from benefit design and management strategies to corporate financial results and enrollment.
Over 17 chapters, this unique, well-organized resource tracks important trends and developments that are reshaping the health care industry, such as:· New types of products — and a slew of new restrictions — that will be sold on newly constructed health insurance marketplaces to a population that has never been insured before.
· Management tactics — such as disease management and wellness initiatives, employer strategies for reducing costs, accountable care organization launches, and the pricing and development of products in both public and private insurance exchanges.
· Strategies and markets — with in-depth looks at enrollment and market share trends, product launches, and market expansions into managed Medicaid, and the overseas and youth markets, as well as a look at Blue Cross Blue Shield plan trends.
· Industrywide trends —including rate-setting practices, network administration, defined-contribution models, communications with consumers, and medical loss ratio rebates.
· Business news — with synopses of mergers and acquisition activity, financial and stock market performance, lobbying activity, executive compensation, and antitrust lawsuits and ‘Most Favored Nation’ clauses.
Health Plan Facts, Trends and Data also includes listings of federal, state and regional health insurance officials for fast reference.
In addition to a printed book, Health Plan Facts, Trends and Data is also available as a CD, containing all of the information in the print version in a user-friendly, searchable PDF format. Plus, all CD purchasers receive a free copy of the print version.
For more information on Health Plan Facts, Trends and Data: 2013-2014, including a full table of contents, visit http://aishealth.com/marketplace/health-plan-facts-trends-and-data.
About Atlantic Information Services
Atlantic Information Services, Inc. (AIS) is a publishing and information company that has been serving the health care industry for more than 25 years. It develops highly targeted news, data and strategic information for managers in hospitals, health plans, medical group practices, pharmaceutical companies and other health care organizations. AIS products include print and electronic newsletters, websites, looseleafs, books, strategic reports, databases, webinars, and conferences. Learn more at http://AISHealth.com. Reported by PRWeb 4 hours ago.
Washington, DC (PRWEB) September 19, 2013
Health insurance plans are the nation’s most powerful drivers of U.S. health, wellness, productivity and financial security — insuring more than 250 million people, employing more than 500,000 people and generating $500 billion in revenues. But as key provisions of the Affordable Care Act take effect, substantial changes are underway throughout the industry. Now available from health business information publisher Atlantic Information Services, Health Plan Facts, Trends and Data: 2013-2014, the latest edition of its best-selling annual book, serves as a summary report on the state of the U.S. health insurance industry, with coverage on topics from benefit design and management strategies to corporate financial results and enrollment.
Over 17 chapters, this unique, well-organized resource tracks important trends and developments that are reshaping the health care industry, such as:· New types of products — and a slew of new restrictions — that will be sold on newly constructed health insurance marketplaces to a population that has never been insured before.
· Management tactics — such as disease management and wellness initiatives, employer strategies for reducing costs, accountable care organization launches, and the pricing and development of products in both public and private insurance exchanges.
· Strategies and markets — with in-depth looks at enrollment and market share trends, product launches, and market expansions into managed Medicaid, and the overseas and youth markets, as well as a look at Blue Cross Blue Shield plan trends.
· Industrywide trends —including rate-setting practices, network administration, defined-contribution models, communications with consumers, and medical loss ratio rebates.
· Business news — with synopses of mergers and acquisition activity, financial and stock market performance, lobbying activity, executive compensation, and antitrust lawsuits and ‘Most Favored Nation’ clauses.
Health Plan Facts, Trends and Data also includes listings of federal, state and regional health insurance officials for fast reference.
In addition to a printed book, Health Plan Facts, Trends and Data is also available as a CD, containing all of the information in the print version in a user-friendly, searchable PDF format. Plus, all CD purchasers receive a free copy of the print version.
For more information on Health Plan Facts, Trends and Data: 2013-2014, including a full table of contents, visit http://aishealth.com/marketplace/health-plan-facts-trends-and-data.
About Atlantic Information Services
Atlantic Information Services, Inc. (AIS) is a publishing and information company that has been serving the health care industry for more than 25 years. It develops highly targeted news, data and strategic information for managers in hospitals, health plans, medical group practices, pharmaceutical companies and other health care organizations. AIS products include print and electronic newsletters, websites, looseleafs, books, strategic reports, databases, webinars, and conferences. Learn more at http://AISHealth.com. Reported by PRWeb 4 hours ago.
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Pacific Prime Releases New Guide for Keeping Health Insurance Premiums Low
Pacific Prime has released a new guide for finding the best health insurance plan while keeping premiums low.
(PRWEB) September 19, 2013
Pacific Prime has released a new article, “How to Find the Best Health Insurance While Saving Money”, a quick guide to help clients choose a quality plan while keeping premiums low.
Balancing one's finances with a potentially costly health care plan can be tricky, especially with the amount of options on the market. Pacific Prime has provided a quick checklist of considerations to keep in mind when looking for a quality plan with manageable premiums.
The key to keeping premiums low without sacrificing quality coverage is to find a plan that is specifically tailored to the client's needs. There are dozens of insurers and plans on the market, each with various cover options, and clients often end up paying for cover and benefits that they don't necessarily need. Whether an international health insurance plan is fit for a client is dependent on various factors such as lifestyle, age, location, and duration of cover.
One of the easiest ways to lower premiums is to assess whether or not each benefit is necessary. For example, many clients demand for Dental in their medical plans without a history of regularly visiting a dentist. Maternity is another benefit that should only be added if the client is planning on having a baby in the near future. Otherwise, the benefit adds unnecessary costs to the premium.
Depending on a client's age and whether or not he or she is in good health, different levels of cover are also recommended. Young and healthy individuals who rarely need to see a doctor likely only require inpatient cover. However, those over 40 who may have a pre-existing condition like diabetes, high cholesterol, or high blood pressure should seek out a plan with pre-ex cover and outpatient cover.
Regarding location, Emergency Evacuation cover is only recommended for clients in countries with an underdeveloped hospital network. Lowering the geographical area of cover is also a quick way to reduce premiums, especially by excluding cover in the US.
To read more visit http://www.pacificprime.com/resources/news/2013/09/19/guide-for-lowering-premiums/. Reported by PRWeb 3 hours ago.
(PRWEB) September 19, 2013
Pacific Prime has released a new article, “How to Find the Best Health Insurance While Saving Money”, a quick guide to help clients choose a quality plan while keeping premiums low.
Balancing one's finances with a potentially costly health care plan can be tricky, especially with the amount of options on the market. Pacific Prime has provided a quick checklist of considerations to keep in mind when looking for a quality plan with manageable premiums.
The key to keeping premiums low without sacrificing quality coverage is to find a plan that is specifically tailored to the client's needs. There are dozens of insurers and plans on the market, each with various cover options, and clients often end up paying for cover and benefits that they don't necessarily need. Whether an international health insurance plan is fit for a client is dependent on various factors such as lifestyle, age, location, and duration of cover.
One of the easiest ways to lower premiums is to assess whether or not each benefit is necessary. For example, many clients demand for Dental in their medical plans without a history of regularly visiting a dentist. Maternity is another benefit that should only be added if the client is planning on having a baby in the near future. Otherwise, the benefit adds unnecessary costs to the premium.
Depending on a client's age and whether or not he or she is in good health, different levels of cover are also recommended. Young and healthy individuals who rarely need to see a doctor likely only require inpatient cover. However, those over 40 who may have a pre-existing condition like diabetes, high cholesterol, or high blood pressure should seek out a plan with pre-ex cover and outpatient cover.
Regarding location, Emergency Evacuation cover is only recommended for clients in countries with an underdeveloped hospital network. Lowering the geographical area of cover is also a quick way to reduce premiums, especially by excluding cover in the US.
To read more visit http://www.pacificprime.com/resources/news/2013/09/19/guide-for-lowering-premiums/. Reported by PRWeb 3 hours ago.
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Join Video Town Hall: Avik Roy and Rick Ungar on the Countdown to Obamacare [TODAY]
Less than two weeks from today, Obamacare's partially subsidized health insurance exchanges—where millions of Americans will be expected to obtain health coverage—are scheduled to go on-line. Today at 2 p.m., Thursday, September 19, 2013, please join me, Rick Ungar, and Forbes for an interactive Video Town Hall entitled Countdown to Obamacare.
Reported by Forbes.com 30 minutes ago.
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More Pages to Explore .....
