Tips For Great Dental Health And Lifestyle

Taking care of your teeth is vital to your good health in many ways. By visiting the dentist regularly and by doing those things at home to keep your teeth healthy, you will never have to worry about your smile. Follow these tips for great dental health and lifestyle for making sure you have a healthy set of teeth.

Avoiding those foods that ruin your teeth is an age old fact. Sugars are the worst and the reason is because they are so powerful in building harmful plaque. Limiting sugars is great way to not only prevent cavities, but to also improve overall health to aid in dental situations.

The teeth that are regularly cleaned by the professional dentists are the teeth that will have fewer cavities. While you might brush twice or three times a day, you will still have particles that will lie between teeth. These particles are the causes of cavities in those people that always maintain a regular brushing schedule.

Flossing your teeth will also help in removing those tiny particles of food that get between teeth and cause painful cavities. By having a dental professional show you the proper way to floss, you will have healthier teeth and fewer cavities. Flossing should be done after every meal for the best results.

No one likes to hear the drill at their dentist office. In fact, many people are terrified of it. However, when you do have a cavity starting, you should have it taken care of right away to prevent the loss of the infected tooth. Fillings will help you to save it. Once you have the smallest sign of a cavity, you should take care of it because it does not take long to grow larger and much more painful.

Nothing hurts more than waking up in the middle of the night with a toothache. Many people have described this pain as being the worst they have ever felt. If you know you have a tooth that is in bad shape, do not put off having it extracted before it get really infected. Infection in a tooth can cause you to be sick and to feel severe fatigue.

Many people might not be aware of the damage an infected tooth can cause for the rest of the body. Keeping infected teeth in your mouth for too long can help to cause kidney and heart problems. Make sure you maintain regular dental appointments and have those bad teeth taken care of before they cause more trouble.

Choose dental health and lifestyle changes to have great teeth. Eat only a well-balanced diet and limit your intake of sodas, coffees, and teas.Remember to watch out for the sugars and always drink plenty of water as well. Once you lose teeth due to being negligent about them, you will begin to have other problems. Not being able to chew food in the way that is best for digestion can come from having too many teeth pulled. Those people that have to get dentures can tell you this is no walk in the park. Heartburn and stomach upset from food not being properly chewed can lead to many digestive disorders that are painful and serious in nature.

Tips for a Healthy Mouth

If you think about it, your mouth is one of the parts of your body that is almost always in constant use. You use it to eat, talk, breathe, etc. If your mouth is diseased or afflicted with a variety of health problems, it is quite embarrassing and limiting. When you have a tooth ache or canker sore, not much else seems to matter! Because of this, and so much more, having a healthy mouth is essential to your well-being, confidence, and your overall wellness.

Benefits and Beyond

There are many problems that can arise by not taking the time to strive for a healthy mouth. Gingivitis, which is a type of periodontal disease, destroys a person’s gums, the surrounding tissue, and even the tooth sockets. To prevent things like dental carries or cavities, as well as gingivitis, it is important to maintain a healthy mouth. And doing so is actually easier than you may think, providing you keep a few things in mind!

Throughout the years, there are various tips for the ages and stages that people go through, with things all along the way that contribute to a healthy mouth. Here are some tips for getting and keeping a healthy mouth:

  • When it comes to infants, avoid putting them to bed with a bottle. It’s also beneficial to try to keep shared utensils away from them, so they don’t get additional germs in their mouth.
  • At any age of life, it is important to establish a healthy oral hygiene routine. As soon as infants have their first tooth come in, parents can begin keeping it clean. Once they are old enough to brush, parents can create a routine and help them see it through.
  • Be sure to brush your teeth at least twice per day, for two minutes each time. While you are at it, brush your tongue as well. You also need to floss at least once per day. This is one that even adults like to cut corners on, but the benefits are well worth the effort.
  • Make a twice per year visit to your dentist’s office for a check up and cleaning. This will help keep the plague removed off the teeth, the teeth clean and polished, and will help the dentist discover any issues that may arise.
  • See a specialist as recommended by your dentist or if you feel you have issues that may require a consultation with one. Such issues as bite misalignment, braces, and teeth straightening are best handled by a specialist, who is a trained in these areas.
  • Always use a mouth guard when playing sports. This simple little device from the sporting good’s store, can save you a great deal of pain and money later!
  • Replace your toothbrush regularly, which is every two to three months or as the bristles become frayed.
  • Avoid forgetting to floss each day. Leave the floss sitting out on the bathroom counter, or put a little sticky note on the mirror. Make a point to do it each day for a month, by which time it should become a habit.
  • Make sure that even though you are brushing twice a day that you are brushing long enough. Aim for two minutes per session. If you opt for an electric toothbrush, they often let you know when it has been two minutes.
  • Speak to your doctor about any prescriptions you might be taking that have side effects that harm the teeth. If there are some, maybe you can get them swapped out for something else or ask for suggestions to protect your teeth.
  • Avoid smoking or using chewing tobacco, both of which can lead to many oral health problems.
  • Keep drinks in check! Avoid sugary drinks or keep them to a minimum, as well as highly acidic drinks (e.g., citrus sodas and sports drinks, etc.), which can eat away at and erode the tooth enamel.
  • Forget using your teeth to open things or chew on items such as pens. Both are damaging to your teeth.
  • Avoid sharing things like straws, utensils, lip balm, etc. The bacteria and saliva can transmit things that lead to an unhealthy mouth.

Staying Healthy

Having a healthy mouth is important for life, a healthy overall body, and achieving optimal wellness. It is also essential for feeling comfortable and confident, as well as living pain-free. Keep the above items in your mind, make them a habit, and you will be well on your way to a healthy mouth!

Tips on Eating Healthy – Good Health Starts In Cooking

Eating healthy is an important part that must be included in your daily life. For one to be able to enjoy his youth and be prepare for his becoming old must have plan regarding how to keep his self healthy. As you can see, foods now are very much different from the foods that we used to eat then. There are many foods that are being sold in the market that has lot of preservatives, instant foods that lacks vital nutrients that our body need. The kind of life that we had also has something to do in keeping our health in check. There are so many distractions that affect our appetite and make us to forget the importance of healthy foods.

Take notice the children of today, what you usually see is that these kids eats lots of sweet foods and they do not even know a single kind of vegetable. For responsible parents, these things are not allowable to happen for they know the importance of health in their family. There are different tips on eating healthy that could help that anyone who want to have a longer and quality life.

First make your healthy eating plan that you will follow no matter what happens. This plan must start with the fruits and vegetables for these are the foods that are always being neglected in every meal. It is important to be aware of these tips on eating healthy to achieve a healthy and sound body. Every time you will spend your money in buying groceries, be sure to include fruits and vegetables in your cart. Include these vegetables in the foods that you will prepare for your family, remember that these foods are loaded of nutrients that your body will be needed. When it comes in cooking, go for the steaming method for it does not requires fat at all. You can steam your fish, chicken, different kinds of vegetables and even pork.

You could also try baking instead of the usual deep frying in your French fries or those fried chicken which is the favorites of your kids. One that cannot be forgotten is the grilling method of cooking; this is considered as the healthiest of all cooking methods. This method has the uncanny ability to introduce new flavor without the usual fat on it. You can also add some spices in the foods that you are cooking. Spices are great for they provide different flavor without the presence of fats. One thing though to be aware is that some spices contain lots of salt, it is better to keep an eye for it.

When you are eating outside your home, be sure that what you will eat does not contain Tran’s fat. You can do this by asking the waiter what kind if frying oil they are using. It is your right to know what kind of foods you will eat for it is your health is being on the line. It is also a good idea if you will go direct to the farmers to buy instead in your grocery stores. Buy the local and organic ones and avoid those processed foods, remember that fruits and vegetables taste better that these kinds of foods.

These are only some of the tips on eating healthy that you could start put in practice. This habit of eating healthy foods when is fully developed can be rewarding for you can enjoy many benefits even when you start growing old.

Finding Extra Security With Medicare Supplement Plans

Looking for the best  medicare  supplemental insurance? Nowadays, insurance companies are sprouting everywhere, offering the ‘best of the best’ insurance policies. Some people do not have the luxury of time to conduct a thorough research on the insurance industry that they would just take whatever is being offered to them by the insurance salesman. Worse, some people do not even think of getting a  medicare  supplement plan. Although a person will receive medical benefits from  medicare  plans, these may not be able to cover all their medical bills. With Medigap insurance, that gap between one’s  medicare  coverage and actual hospital bill can be filled.

There are actually new insurance plans waiting to be added to the existing supplemental plans available. These new insurance policies will require a beneficiary to use his own money first before a Meidgap plan can cover the rest of the bills. Here are few of the out-of-pocket expenses to be shouldered by the plan:

1. Hospital Admittance Copay – $50

2.  Medicare  Part B Deductible – $155 per calendar year

3. Co-pay for Doctor’s visits – Up to $20 per visit

Another new plan, which is to be offered only in selected states, will require policy holders to pay through a cost-sharing scheme which will have out-of-pocket expenses of:

1. Part A Deductible – 50% of $1100 (In 2010)

2. Part B Deductible – $155 annual per calendar year

After the beneficiary pays the out-of-pocket expenses, this new Medigap plan will pay the rest of the expenses.

Some insurance companies offer help by determining what plan would best fit you. They will be the one to check for your eligibility to help you get the most out of the plan while possibly saving you a good amount of money.

If you find these details to be too complicated, find an insurance agent you can consult so can be properly educated on the things that will make a difference as you decide which plan to purchase. You can do your research on the Internet but sometimes, it takes a real live human being you can talk to and actually ask questions so you can be enlightened on any doubts or concerns on which you may need to seek professional opinion. Sometimes, consulting an expert will need you to pay a reasonable fee but this should not be a problem as the benefits you get from expert advice will be rather small compared to the security you get.

Health Insurance Reform to Help Seniors

A new report released recently tells about the recent health insurance reforms to help seniors. The report that was authored by Health and Human Services answers some important questions about the health insurance reform of President Obama. Vice-President Biden said that the government will protect the seniors and not put pressure on them with extra costs. He said that the new reform plan would keep the seniors better-off and they do not have to spend a dollar from   Medicare  trust fund to meet their medical expenses.

HHS Secretary Sebelius said that the new reform plan would bring down their health care costs. The proposed reform would bolster  Medicare  and at the same time cut drug costs and provide all seniors to receive high-quality and affordable  health  care for themselves. The reform plan has brought under limelight many problems in the present system of health care and health insurance.

Preserving and Strengthening of  Medicare 

The  Medicare  Trustee 2009 report says that the  Medicare  Part A Trust Fund would be completely used up by 2017. The proposed reform will further extend the  Medicare  Trust Fund life by another four to five years. Also of importance are the delivery system reforms that are part of the reform that will keep solvent the Trust Fund for a further period in future. There would be reduction of over-payments to private plans along with tightening up on fraud as well as abuse and result in stronger  Medicare  for all seniors. And along with development in  health  care, strengthening of  health  care workforce and out-of-pocket cost reduction, the new  health  insurance reform will guarantee  Medicare  to provide high-quality and inexpensive coverage that all the seniors of America rightfully deserve.

Cost Cutting of High Prescription Drug

It is a fact that expense of prescription drug is a major outlay for seniors. Although  Medicare  provides prescription drug benefit, the benefit encompasses the coverage gap that is also called the “donut hole”. There were over 8 million seniors who hit the “donut doe” in 2007. In case of people that do not earn low or who have not bought over coverage, the average drug costs in this coverage space would be to the tune of $340 per month totaling $4,080 per year. The  health  insurance reform will cover the gap in coverage in  Medicare  Part D with the passage of time. Hence, there is no need for seniors to be anxious about coverage loss as a result of drug costs. Along with this closure, the reform makes it certain a discount of fifty percent on the costs of brand name medication to the seniors in the coverage space, thus helping seniors to save over millions of dollars.

Free Preventive Services

There are many seniors who do not get the required care in prevention and primary health coverage, and as a result they get less useful and expensive treatments. However, the present reform makes it free to the seniors to pay for any preventive services.

Stopping Federal Subsidies to Private Insurance Companies

The  health  insurance reform will do away with too much of government subsidies to  Medicare  Advantage plans and in the process save the government, as well as taxpayers and beneficiaries of  Medicare , funds to the tune of $100 billion over the next 10 years.

What to Look for in a Home Health Care Provider

Anyone in need of home health care deserves non-medical care or in home medical care that is compassionate whether the patient is a child, adult or elder. Home health care services are provided anywhere except for in nursing homes or a hospital. These services may even be provided at an assisted living facility, a school, apartment or house.

As far as care plans go, there are a wide variety of personal care and nursing services that are not just available, they are tailored for the needs of each individual recipient. Customized care plans and follow up assessments should be provided by a registered nurse.

Nursing Supervision and Case Management

The care that is provided by personal care assistants and home health aides is typically supervised by a registered nurse. One of these registered nurses should be on call at all times in order to assist the caregivers as well as to provide medical training and oversight and to implement the plans of care.

Elder or Adult Care

Are you aware of the fact that 75% of the health care costs in the US are incurred by only 12% of Americans? These people generally have some type of chronic illness. The benefits of this type of individualized home care include much more than just being able to keep someone at home for their illness as opposed to being institutionalized or put in a long term care facility. As far as cost goes, home care visits are roughly only 10% of what a single day in the hospital will cost.

Additionally, home health care has a track record that has been proven when it comes to things such as reducing readmissions to the hospital, expensive visits to the emergency room and in managing chronic illnesses. In addition, there is scientific evidence that has proven that patients are able to heal faster when they are in their own homes. Both morbidity and mortality rates are reduced in patients who take advantage of home health care. In fact, 90% of seniors facing long term care in nursing homes prefer to stay home and get the services of a home health care provider.

Private Elder Care Coordination, Planning and Management

This involves both advising and then assisting families when it comes to determining the necessities of an aging adult. These caregivers are able to navigate many of the long term type of care resources that are available in your area. The goal here is to educate and inform the family of what the options are and them to assist them with the implementation of their decision. Typically this is done by an RN who has been certified and specially trained in the area of geriatrics who can provide:

  • The services of being a liaison for family members who may live a great distance away
  • Educating and advocating for the patient
  • Assisting with paperwork and forms that are related to insurance, medical assistant and Medicare
  • Screening, arranging for and then monitoring any in home help or options for institutional or residential care options
  • Care planning that is tailored to the patient

In the long run home health care is a compassionate and caring choice for anyone who needs care and wishes to remain in their own home.

Medicare Supplemental Insurance Quotes Online

If you’ve ever eaten at a buffet, you’ll understand easily how Medicare supplements work by using this analogy. Medicare coverage is like the main dish, and supplement plans are the side dishes. You choose a Medicare plan Quotes that suits your needs, and you likely then realize that it isn’t a complete package, so you need to find supplements. When you search for supplements, you want to find the ones that compliment your main course. After all, you wouldn’t want French fries with filet mignon when you could have roasted potatoes, right?

Medicare supplements are the same way. You don’t need to overfill your plate, but you do need to have a well-rounded plan on your hands. You are probably living on a fixed income if you are eligible for Medicare, which means that you need to make every penny count. Medicare was never designed to be an all-inclusive plan, which is why supplement plans were developed as the healthcare world changed and Medicare coverage stayed the same. You can find these ‘side dishes’ at just about any private insurance company, depending on where you live and what you’re eligible for.

Every company is required to have Plan A, but beyond that the rest is optional. You will need to first take a look at your choice of complimentary Medicare supplements and choose the best one for your needs, and then go back and figure out which company has the best price and service for that exact policy. Some companies will have better rates than others, but more importantly is the taste. A 99 cent buffet is no good if the food tastes like garbage. Likewise, a cheap Medicare supplement plan is no good if you can’t get quality service.

When it comes to shopping for Medicare supplements Quotes, think of it like a buffet. Find the best side dish to go with the main course that you already have, and you’ll have a well-rounded insurance policy in no time at all. Focus on finding what works for YOU, rather than asking other people what you need. Try not to work with specific insurance companies until you have chosen a plan, either, because some of them are sales-minded and will talk you into whatever they can just to make you a customer. There is plenty of objective information about Medicare supplements out there for you to find, as long as you are willing to invest the time and effort.

Medicare Supplement Insurance Helps With Expenses Not Covered by Medicare

Just when you are ready to relax and enjoy retirement, you realize that medical insurance has become even more complicated. You’re presented with  Medicare  Advantage Insurance,  Medicare  Supplement Insurance (also called Medigap Insurance), and  Medicare  Part A, B, and D. What’s it all mean?

Let’s Start at the Beginning

 Medicare  is divided into four parts. Part A deals with home health care, hospice, hospital, and skilled nursing care. Part B handles doctors’ services, other medical services, and supplies not covered by Part A. Part C allows you to receive  Medicare  benefits through private  health  insurance ( Medicare  Advantage Insurance) in place of Parts A and B. Part D provides prescription drug coverage.

What Is  Medicare  Advantage Insurance?

With a  Medicare  Advantage Plan, generally all of your  Medicare-covered   health  care is provided through that plan, which can include prescription drug coverage. These plans may offer more benefits, and lower co-payments than  Medicare  Part A and B.

 Medicare  Advantage Plans include  Health  Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), private Fee-for-Service Plans, and  Medicare  Special Needs Plans.

Private Fee-For-Service plans are offered by state-licensed risk-bearing entities with yearly contracts to provide  Medicare  benefits. They may also offer additional benefits, and do not usually require you to use a network of providers.

Special Needs Plans focus on certain vulnerable groups, such as those who are institutionalized, are dual-eligible, and/or have severe or disabling chronic conditions.

What Are HMOs?

Doctors, hospitals, and insurers participate in HMOs, which provide medical treatment on a prepaid basis. HMO members pay a fixed monthly fee regardless of how much care is needed in a given month. Most HMOs provide a wide variety of services, but members must usually obtain medical treatment from in-network facilities and physicians.

With HMOs, you must see a primary care physician before you can see a specialist. Rather than paying a percentage of the bill every time you receive medical care, you pay a fixed monthly fee, and HMOs often have nominal co-payments rather than deductibles. HMOs generally do not limit lifetime benefits, but will not pay for non-emergency care from a non-HMO physician.

What Are PPOs?

PPOs are made up of doctors and/or hospitals that provide medical services only to a specific group or association at discounted rates. PPO members pay for services as they are rendered, and are generally reimbursed for treatment costs minus co-payment percentages. Physicians may submit bills directly to insurance companies so members pay only a co-payment.

PPO members are not required to seek care from PPO physicians, but members may receive 90-percent reimbursement for in-network care as opposed to 60 percent for non-network treatment. PPOs may also require a deductible. You may have to fill out paperwork for reimbursement, and most PPOs have larger co-payments than HMOs.

You must have  Medicare  Part A and B to join a  Medicare  Advantage Plan. You will have to pay a monthly Part B premium, and may also have a monthly premium for the  Medicare  Advantage Plan for the extra benefits it offers.

When you join a  Medicare  Advantage Plan, your  Medicare  Supplement Insurance or Medigap Insurance will not pay co-payments, deductibles, or other cost sharing under your  Medicare   Health  Plan.

What Is Medigap Insurance?

If you do not have a  Medicare  Advantage Plan, Medigap Insurance can cover expenses that  Medicare  does not cover. When you have  Medicare  and a Medigap policy, both pay their share of covered  health  care costs.

Medigap policies must have standardized benefits, but costs can vary. You may be able to choose up to 12 different Medigap policies (Plans A through L), which have different sets of basic and extra benefits. The benefits of any Medigap Plan (A through L) are the same for every insurance company, and companies choose which policies to offer.

Generally, you must have  Medicare  Part A and B to buy Medigap Insurance. You will pay a monthly Part B premium, and a premium for the Medigap policy. Medigap Insurance will not cover your spouse, so you both need separate policies.

With some basic insight into how  Medicare  works, you can select the  Medicare  Advantage Insurance or  Medicare  Supplement Insurance that best fits your needs. If you have questions, expert advisors are available online to answer questions, and explain terms. These types of plans can make your retirement more secure so take advantage of sources that can answer your questions before you need  Medicare .

Medicare Supplement Insurance Agents – Ways to Find A Credible Broker

Figuring out  Medicare  is a frustrating task. The amount of mail that a consumer receives upon turning 65 is astronomical. Everywhere you turn, someone is claiming to offer you “the best plan.” Since you have only one open enrollment window, selecting a plan without fully understanding it can be devastating in the long run. It’s important to find a trustworthy  Medicare  supplement insurance agent who understands how various plans work.

How do you choose a credible person to work with who will care about your best interests? Here are a few tips for scouting out an ethical, experienced agent.

1) Beware mail that you receive directly from an insurance carrier. These are solicitations, and if you call the phone number listed, you will reach a representative who offers only that one company’s products. Does this person have your best interest in mind? Probably not, since he only earns his living if he can convince you that his product is better than the rest. Instead, you want a broker who represents numerous carriers so that he or she is not biased when explaining your options, and won’t try to steer you to any product that doesn’t fit your needs.

2) Look for an agent who specializes in  Medicare-related  insurance products. The world of insurance is vast – there are agents who sell group health insurance, individual health plans, cancer plans, disability, life insurance, etc.  Medicare  products, however, are complex and require considerable time on the agent’s part to be certified to represent these products. If an agent sells too many types of insurance, chances are he hasn’t put in the necessary amount of time to really know all the ins and outs of  Medicare . In other words, a jack of all trades is the master of none.

3) Search for signs that demonstrate experience. Does the agent have a website with an email address related to that website, or does his business card say that you can email him at just a yahoo or hotmail account? Does he have an office location where you can walk in the front door if there’s a problem with a claim? An agent’s office is a great neutral zone where you can get the information you need and leave when you want to if you’d like to sleep on the information before making an insurance decision. In this day and age, you don’t want a stranger asking to come into your home to meet you because that agent doesn’t have an office. Meeting with this person in your home puts considerable pressure on you to buy something right then.

4) Lastly, does the agent have staff to help answer questions from callers like you? An agent who works alone will often be in meetings with other prospective clients in the future, so it could be hours or even days before your call is returned. It’s in your best interest to work with an established agency where there are employees on hand to answer your questions if your personal agent is on another call.

By following these  tips , you can locate a credible, knowledgeable person who doesn’t pressure you, but rather approaches your phone calls and meetings as educational.The broker should take time to ensure you understand not only how  Medicare  itself works but also how the supplemental insurance product you eventually choose matches your goals. This broker can become a trusted resource and advisor for years to come.

In summary, consult an independent agent who specializes in  Medicare-related  products and is appointed with many carriers. He or she should have should have an agency location with staff trained in  Medicare  market products to answer urgent questions. The agent should offer to conduct meetings in an office conference room, or over the phone if you prefer that. Finally, don’t hesitate to ask for references. Any agent worth his salt can provide testimonials from satisfied clients who can share how the agent was helpful to them when they were going through the same process that you are.

10 Most Important Things You Want In Health Insurance

Buying health insurance does not have to be complicated. Indeed, many people feel over whelmed when they look at an insurance brochure. In order to help simplify the process here are ten things you should look for when shopping for a health insurance policy.

  • 1. Amount of your deductible. This is the dollar amount you pay up front for medical services before the policy begins paying any benefits. If the coverage is to be for more than one family member check to see if everyone to be covered has an individual deductible or if everyone is covered under just one deductible. If there is a deductible for each person on the policy, most companies will set a maximum of three people who must meet the deductible. After that, they will consider the year’s deductible to be satisfied. Usually, the higher the deductible you choose is reflected in the cost of the premium. You would pay more for a deductible of $500 than for, say, $1500.
  • 2. The amount of your out-of-pocket expense. This is the dollar amount of what you will have to pay before your insurance policy will begin paying 100% of your medical expenses. This is tied directly to the amount of deductible you have chosen since some policies don’t include the deductible in the maximum out of pocket.
  • 3. The cost of prescription drugs is, perhaps, one of the first things that people look for in a health insurance policy. Many companies will include a discount prescription drug card with the policy at no additional cost. However, if you want a set price (called co-pay amount) for generic and brand name drugs, you will have to pay more for this type of prescription plan. Also, there may or may not be a separate prescription drug deductible you must meet annually before your co-pay for prescriptions takes effect.
  • 4. Your co-insurance amount will also affect the cost of your premiums. It is also part of your out-of-pocket expenses. If, for instance, you are willing to pay 50% of the first $10,000 of medical expenses then your premiums will be lower than if you are only willing to pay 80% of the first $5,000 of expenses. This co-insurance is usually shown in brochures as 50/50 or 80/20, respectfully, and will show the dollar amount to which the percentage applies.
  • 5. Since many emergencies involve the use of an ambulance, you need to know if your policy covers ambulance fees. You should also note if there is annual cap on what the policy pays for ambulance use and if it will cover both ground and air service.
  • 6. Since most policies require the use of a Preferred Provider Organizations (PPO), you should be sure your doctor, hospital or other medical service provider is a member of the PPO. This is shown in the brochures as “in network” and “out of network” coverage. Policies that do not require you to use a PPO are called indemnity policies. As a general rule, but not always, you will pay more for an indemnity policy. Some indemnity policies have a PPO which you can still use, however, in order to help you limit the cost of your medical expenses.
  • 7. Look over the list of exclusions very carefully because this tells you specifically what the policy will not cover. Most health insurance companies won’t pay benefits for cosmetic surgery, for example, or benefits related to sex change. The list of what is not covered is usually the last page of your brochure.
  • 8. Also under the exclusions you will find the company’s policy on “pre-existing conditions”. If, for example, you have been treated for high blood pressure in the last twelve months, the company may not cover anything related to that until you have had the policy for six to twelve months. Some states have set time limits on how long the insurance companies can make you wait for coverage of pre-existing conditions.
  • 9. If you are changing insurance companies, there is also something you should look for under pre-existing conditions. You should see if you will be given credit for any money already spent for medical expenses that would have been covered by your existing insurance company. Many companies will give credit for up to four months of expenses you may have already accrued.
  • 10. Check to see if there are “wellness benefits” for you and your family. Many plans will pay for an annual physical after you’ve had the policy for a year. Likewise, many plans will pay for children’s immunization shots or to help you quit smoking or lose weight.

These are just a few of the items should take note of when shopping for health insurance. You may also want to check the maximum amount of benefits that will be paid, options on how you pay premiums and whether or not there will be a co-pay if you have to go to the doctor’s office. alicevbheatherta alicevbheatherta aliceananabinar aliceananabinar katherinehjjudith katherinehjjudith Agustus stable Edu