Medical assistance out of PPO network

A PPO (Preferred Provider Organization) is a health care system managed by a set of hospitals, clinics and medical experts who provides services only to a specific association or group. It is generally funded by an insurance company or employers or some type of an organization. The physicians associated with a particular PPO network provide medical consultation at subsidized rates to the employees, policyholders as well as sponsors. In turn, the policyholders also get benefited by enjoying discounts if they consult a medical professional associated with the PPO network. Many insured individuals always ask a common question: whether they can […]

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Wellness Benefit – International Health Insurance coverage

International health insurance with wellness benefit covers various routine check-ups, screening or diagnosis tests, blood tests, smear examinations, cardiovascular observations, neurology check-ups and other important tests that can help detect various types of illnesses and chronic medical conditions. These tests enable the physicians to detect health issues during its early stages and �prevent� them from becoming life threatening. The wellness benefit feature is becoming more and more popular among people in the recent years as it reduces health care costs in the long run. Wellness benefit also encourages people to monitor their health on a regular basis by covering the […]

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Health Insurance Exchange – An Overview

Health insurance exchanges would act like a market place where one could shop for a wide range of health insurance policies with various premiums and benefits. While each plan would be unique, almost all health insurance plans would offer some common set of benefits (at the minimum) for the benefit of consumers. Individuals, small business owners and big companies alike would be the customers of such health insurance exchanges. Some examples of this concept are available for international student health insurance and visitor medical insurance insurance segments. The health insurance exchange would encourage healthy competition between insurance carriers. Besides, it […]

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International Private Medical Insurance Plans

With the increase in awareness of international health insurance, travelers and expatriates are seeking appropriate protection for themselves and their dependents when they travel or live overseas. International health insurance seekers include global professionals, retired, individuals seeking international job exposure, missionaries, travelers and international students. Employers also look out for short term travel medical insurance when employees are sent on overseas assignments. International Insurance companies have come up with various new international health insurance plans that offer worldwide benefits at affordable premiums. International health insurance coverage with wellness benefits is becoming increasingly popular among people who follow the principle of […]

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Consumer approach to health insurance – A critical view point

There is a common criticism about insurance companies that they do not provide coverage for individuals with serious illnesses or health disorders which require huge expenses to undergo medical treatment. However, the consumer approach to availing health insurance coverage also needs to be looked at critically. Most of the consumers think that paying insurance premiums is a waste of money and also it is a way in which insurance agents try and sell policies for their own benefit rather than the benefit of the customers. Many individuals think that their health situation is completely normal and refrain from going for […]

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The Issue of Consumer Protection

The need for the betterment of consumer protection is one of the main issues of the health reform that is the hot topic of the insurance segment in the US today. This is the first step to end the nightmare of highly expensive treatments required by the helpless uninsured patients for some costly illnesses. Such a practical and important step seems to be overlooked by the government during the overhaul discussions. However, experts state that significant consumer protection measures have been taken that would secure them from being denied of coverage or end up in cancellation for medical disorders like […]

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Seguro Popular – Universal Health Insurance Programme

Seguro Popular is a system aimed at establishing a universal health insurance program at Mexico for providing assistance to households incurring huge health care expenses and suffering to cope up with the sudden medical costs incurred by the family. Reports state that this beneficial program has reached the poor successfully and reduced the health care expenditure for families who fall into the low-income strata. The plan caters to providing assistance for those diseases which incur huge medical expenses and provides health insurance packages which cover about 312 medications as well as around 266 health interventions. The people who were part […]

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Complaints handling information access for consumers

The Financial Services Authority � FSA, has come out with proposals to enable individuals to view how the complaints are handled by the firms. Details like the number of complaints opened, resolved and other information of products and services offered by the insurance providers would also be made available. The reports of the insurance sector may be published twice a year (at an interval of 6 months) and meanwhile intermediaries and insurers are free to publish their respective data with regards to the complaints. This step is expected to educate people on the frequency and nature of complaints and also […]

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Change your insurance plans instead of completely backing out of insurance coverage

Individuals who want to reduce the expenses of insurance coverage can diligently look at changing the plans instead of completely eliminating the expenses incurred for coverage by allowing the policies to lapse. For example, short-term coverage may be opted for until the financial condition improves and the market picks up. Some groundwork can be done on the insurance policies over the internet and the prices can be compared. In some cases, changing the insurance provider may help you save a few bucks and it may not be a bad idea. In case you have opted for different insurances for different […]

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Floridians risk losing health insurance coverage

Due to the health reforms proposed by the government, more than 3,000 individuals in Florida are expected to lose medical insurance coverage every week. The uninsured figures may reach more than 5 lakhs by beginning 2010 as the clock ticks to the end of the year. The cause of this could be the economic crisis which has reduced the spending potential of people coupled with premiums which have skyrocketed to unbelievable highs in the recent past along with the considerable increase in the cost of health care and hospitalization expenses, not to leave aside doctor consultation fees. In just a […]

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