Health Quotes 101

August 20th, 2009

Health Quotes 101
Health Quotes 101 offers affordable Florida medical insurance plans including individual health insurance, family health insurance, group health insurance, short term health insurance and student health insurance through major health insurance carriers such as AETNA, BlueCross BlueShield, UnitedHealthcare and many other premium carriers. Apply Now!
Get your free Health Quote now!

How do dental insurance plans work?

June 2nd, 2008
Dental insurance works in much the same way that medical insurance works. For a specific monthly premium, you are entitled to certain dental benefits, usually including regular dental checkups, cleanings, x-rays, and certain dental services required to promote general dental health. Some dental insurance plans will provide broader insurance coverage than others & some will require a greater financial contribution on your part when services are rendered.
 

When can you apply for student health insurance?

June 2nd, 2008
You can apply for student health insurance as soon as you are enrolled as an eligible student. But, keep in mind the full insurance premium must be paid with the insurance application. The insurance policy will be sent out as soon as it is issued. Insurance companies usually prefer that the insurance application not be completed more than 60 days prior to the requested effective date.

Do short term health insurance plans include dental and vision benefits?

June 2nd, 2008
No. Short term health insurance plans are designed to protect you in the event of an unexpected illness or injury, & are not intended to cover dental care and vision care. Short term health insurance plans are for temporary insurance coverage only and therefore do not include some of the health insurance benefits offered by standard health insurance plans.

Short Term Health Insurance Coverage

June 2nd, 2008
Many short term health insurance plans have a minimum insurance coverage period of 30 days. Even if you only need coverage for less than 30 days, you can either:
  • Make a single payment upfront for 30 days of short term insurance coverage, or
  • Select the monthly payment option, and then cancel your short term insurance coverage when you no longer need it. Please note that you will not be refunded for partial months of insurance coverage.

How soon can short term insurance coverage start?

June 2nd, 2008
Short term health insurance for many insurance plans can start as soon as 24 hours after the insurance application is submitted. In order for insurance coverage to start promptly, you can make your first premium payment with your application.
 
If you would prefer to have your short term health insurance coverage start later, you can select a date up to 30 days in the future.

What is Short Term Health Insurance?

June 2nd, 2008
Short term health insurance plans provide you with health insurance coverage for a limited period of time, & may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short term insurance plans offer health insurance coverage up to six months, although some plans may offer coverage up to 12 months. If you think you’ll need health insurance coverage for a longer period of time, you may want to look at a longer term health insurance option like our individual health insurance and family health insurance plans.
 
The application process for short term health insurance is usually simpler than standard, longer-term health insurance. Short term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care.
 
Purchasing a short term medical insurance plan will make you ineligible for any guaranteed issue individual health insurance plans commonly referred to as HIPAA Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise. If you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.
 
Short term health insurance plans usually do not cover pre-existing medical conditions. The definition of a pre-existing medical condition varies by state and carrier, but usually short term health insurance policies exclude coverage for medical conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have an existing medical condition, you may want to research whether you can extend your current health insurance. Employer sponsored health insurance can be extended under a government-regulated option commonly referred to as COBRA, which you should seriously consider if you have an existing medical condition.

Buffet buys more health insurance stock

May 19th, 2008

Textbook Buffett: If shares are plummeting, it might be a good time to buy more.

That, perhaps, explains Berkshire Hathaway’s additions to its holdings of UnitedHealth and Wellpoint during the first quarter of this year, as both companies’ stocks fell sharply.

Berkshire Hathaway bought 300,000 shares of WellPoint and 400,000 shares of UnitedHealth, according to this SEC filing from yesterday.

“If a stock goes down 50 percent it doesn’t bother me in the least,” Buffett said earlier this month, Bloomberg notes “If we’re going to be buying things, we want to buy them on sale.”

Of course, if it was simply a matter of increasing holdings that are falling, we’d all be billionaires. There must be more to it than that. Case in point: Berkshire’s holdings in GlaxoSmithKline didn’t change during the first quarter, despite the fact that the stock price fell sharply. Back to the drawing board.

For a health insurance quote go to http://www.healthbenefitsdirect.com/

Obama debates McCain health care plan

May 19th, 2008

Barack Obama has already argued a lot with Hillary Clinton about their respective health-care plans. Now he’s shifting the debate to John McCain, with whom he has much broader policy differences.

Obama and rival Hillary Clinton are both pushing universal health-care plans that would expand government’s responsibility while also keeping a role for private insurance. McCain wants to shift health insurance tax breaks from employer-sponsored insurance to individuals and families, who could apply a tax credit to insurance they buy on an open, less-regulated market.

McCain’s also alluded to taking steps to make it easier for the sick to get coverage in that market. (See more here on how both sides are making compromises that make their plans more centrist.)

Campaigning in Oregon this past weekend, Obama said not so fast on the Republican’s plan. McCain, Obama said, “wants to give you the failed Bush health-care policies for another four years,” according to the Chicago Tribune. And what has Bush done on health care? Nothing, Obama said, “except offer a few tax breaks to some folks who don’t really need them.”

Obama added that McCain would “shred” employer-based health care and leave every American to “fend for yourself” in the free market, according to the Tribune.

A McCain spokesman responded that Obama and Clinton “want to insert government bureaucracy into your medicine cabinet, while John McCain is committed to keeping America’s top-quality doctors, and reforming the system so that health-care plans would be made available, accessible and affordable for families.”

Health Blog McCain Bonus: In an opinion piece in the Dallas Morning News, Jonathan Cohn questions whether the sick would be able to get coverage under McCain’s plan, even if provisions are enacted to try to make it easier. The problem remains that insurers “generally won’t offer coverage directly to people with ‘pre-existing conditions,’ since they represent such bad financial risks.”

For a free health insurance coverage quote, visit http://www.healthbenefitsdirect.com/

Google Health

May 19th, 2008

The curtain in front of Google Health finally came up today.

On a tour, Google explains that, yes, this is another “personal health record,” a way for patients to store and manage their medical information in one place. But Google seems to be trying to address one of the big problems with PHRs: maintaining them is a big pain.

“Of course you don’t want to type in your entire medical history yourself,” says Google, playing the soothing therapist. So the company has developed partnerships with a handful of health-care entities to lend a hand. For instance Walgreen said it would help patients access their pharmacy records through Google Health, and CVS Caremark said patients would be able to get to their prescription records as well as summaries from their visits to MinuteClinic. Lab-test company Quest Diagnostics is also participating, as are pharmacy-benefits giant Medco, the Cleveland Clinic and Beth Israel Deaconess Medical Center in Boston, according to this list of partners. The group isn’t huge, but it’s a step.

The biggest hurdle of all may be that only 14% of medical practices keep records electronically, the WSJ noted earlier this year. The real moment for these services isn’t likely to come until larger numbers of docs finally shift to electronic records that can easily be transferred to personal health records.

WSJ’s Google reporter Jessica Vascellaro sent us a dispatch: “Google’s vice president of search products and user experience Marissa Mayer said the company is very conscious of the sensitivity of the information it is collecting and has taken a range of steps — including beefed up security of the servers where records are stored — to protect it. Consumers must also select which participating medical organizations can read and send updates to their profile and can tailor the permissions for different providers.”

Still, some worrywarts have pointed out that Google and Microsoft, which offers something called HealthVault, won’t be subject to the strictures of the federal health privacy law known as HIPAA.