Sunday, February 11, 2007

Labor warns on health insurance hikes - Breaking News - National - Breaking News

Labor warns on health insurance hikes - Breaking News - National - Breaking News: "A government-backed expansion of private health insurance cover is likely to lead to more premium increases, Labor says.

Legislation supporting the government's Broader Health Cover proposal, which would allow privately insured patients to receive hospital cover for services conducted outside hospitals, was debated in the lower house.

While supporting the plan, opposition health spokeswoman Nicola Roxon said the expansion of services offered would likely lead to further rises in the cost of cover.

Roxon said the majority of Australians did not have private health insurance and so would be excluded from the extension of services.

In an amendment listing Labor's complaints, Roxon blasted the last budget's $50 million allocation for private health insurers to advertise their products.

'This is a disgraceful waste of taxpayers' money and of scarce health resources,' she told parliament.

'These are private businesses who can easily advertise their own products.'

But Health Minister Tony Abbott hit back during parliamentary question time, saying premium rises were much higher under the last Labor government.

'Labor are the task masters of premium increases,' Mr Abbott said.

He said premiums rose 19 per cent in 1987, 17 per cent in 1992 an"

Secrets of Low Cost Health Insurance

Secrets of Low Cost Health Insurance by Clint Jhonson


Not many people understand that purchasing a health insurance policy is a smart thing to do. Insurance companies have extended their business online and they are trying to highlight the advantages of taking such a decision.

The problem for most people is finding a low cost health insurance plan. There are various resources one can use and one of the most accessible is the Internet. Plenty of websites are ready to offer you precious information about low cost health insurance policies and also help you compare health insurance plans. All they are trying to do is to provide their services to you, hoping you will reach a better decision.

Purchasing a low cost health insurance policy doesn't mean you will receive fewer medical services. On the contrary, the idea is to find a policy that can fit your budget but also your needs. Using the Internet to compare health insurance plans can help to make an idea about what an affordable health insurance policy refers to.

Some of the most common low cost health insurance policies cover for emergency situations, dental and eye treatments, medical visits and various medications. The Internet is ready to provide considerable data and can really assist one to compare health insurance policies. There are many reputable insurance companies trying to present their services online and this why it is for the best to do a complete research.

Shopping for health insurance can be sometimes a difficult task. It requires a lot of time and effort, not to mention extreme caution when it comes to picking out the perfect policy for you. There are a lot of factors to consider and before undertaking such a job, any person should do a careful analysis of his/her lifestyle and see what kind of policy is actually suitable.

Every insurance company that provides online various low cost health insurance plans takes into consideration the so called 'risk factors'. They include: the person's habits, health state, age, gender, marital status and the area where one lives. Perhaps the most important is the age as there are different requirements for certain ages.

It is wise to use the Internet in order to compare health insurance plans and choose a suitable low cost health insurance policy. By browsing several websites, you will discover that every company sees the 'risks factors' differently and thus the coverage offered is not the same. Experts working in the insurance industry recommend doing an extensive research for affordable health insurance and considering all the possibilities before selecting any plan.

There are people out there who are in need of constant health care services. For them, having a good health insurance plan is crucial as not all can afford to pay for these services. Still, a health insurance policy is a good idea for a healthy, young person also. No one can predict the future yet and one may find himself in the situation of needing health care and not being able to pay for it. One should try and prevent these situations from happening.

As a conclusion, it is important to understand the need for health insurance. It is some kind of a safety net and though sometimes it may seem totally unnecessary, there is no knowing what may happen. Use the Internet and convince yourself that you are making a smart decision.

About the Author

To choose the proper low cost health insurance plan suitable to your needs you may have to compare health insurance plans. Let us do that for you and you just try to use our information about the best coverage possible. We can offer you insurance quotes from several companies and help you save some money.

Here's a Quick Way to Save on Health Insurance

Here's a Quick Way to Save on Health Insurance by David Yuri


One of the most essential things in our life is looking after ourselves and doing our very best in protecting our health. Choosing the proper health insurance is important as it can save significant amounts of money when it comes to medical bills and provide the customer with the medical care he/she needs.

The issue of finding affordable health insurance has been long discussed. There are a lot of people who cannot afford to pay for health insurance and are in desperate search of convenient insurance plans. The Internet is one of the most valuable resources to locate affordable health insurance.

Most people compare health insurance websites and plans before taking a final decision. That is the smart thing to do as it is easier to see available possibilities, types of coverage, certain requirements and qualifications. There are many things to take into consideration when it comes to affordable health insurance and using the Internet can only help in that matter.

It is useful to compare health insurance plans and try to understand the advantages and disadvantages of every plan. The majority of these plans for affordable health insurance include as deciding factors the person's age, health problems and the need for constant medical care.

Other factors to consider are prescription drugs, preexisting conditions and the person's lifestyle. All these things are mentioned in every health insurance plan. Still, if you take some time to compare health insurance policies using certain websites you will discover that there are different terms explained and diverse requirements.

Some insurance companies allow only a limited amount of money for certain medications and decide not to compensate for several at all. In case of preexisting conditions, persons with neoplastic diseases or cardiac history are likely to face difficulties in discovering an affordable health insurance policy.

The mistake a lot of people make is caring more for their budget than for the possibilities offered by a carefully devised health insurance plan. They do not understand that being healthy is above all other things in this world and it may sometimes require some sacrifices. People working in the insurance business are trying to raise awareness when it comes to affordable health insurance plans. They offer all kinds of advantages and especially lower rates for healthy people.

It may take some time to compare health insurance policies presented online. The most important thing is to pay attention to every detail and make notes for every policy. Understanding the concept of insurance premium is essential and one must never forget that the cost of health insurance depends mainly on one's health condition.

Medical expenses can severely affect the budget and it is crucial to choose a suitable health insurance policy. The Internet can provide a wealth of information on this topic and can really one help reach a good conclusion. A comparative analysis of what is out there on the insurance market is cost-effective and requires very little time. Discussing all possibilities with friends or family can also help one in taking a decision for proper health insurance coverage.

We cannot say that having a health insurance plan is the most important thing in the world. But the truth is that everyone should purchase a health insurance policy and benefit from suitable medical care. They include medications, vitamins and other supplements for active healthy people and expensive treatments for people with chronic illnesses. As a golden rule, everyone should respect his/her health above all other matters.

About the Author

Our website can help you to compare health insurance plans. We know how hard it is to find affordable health insurance and we are always ready to provide assistance. Discovering all possible opportunities is our job and we can only help you will benefit from our aid.

Tuesday, February 6, 2007

Shopping For Health Insurance

Shopping For Health Insurance by Arturo Ronzon


Health insurance is always a good thing to have. Some might say that it is mandatory to have one for you and your family. With the ever-rising medical costs, having an insurance (or load and loads of money!) seems to be the only way with which one can afford decent medical care.

But getting the right health insurance is not so easy.

There does not exist a perfect insurance plan provided by a perfect insurance company. There only exists a whole myriad of insurance plans covering some form or another of your medical needs. Sifting through these choices and finding the choice that suits you best can be an art in itself.

Basically, the first thing to consider when looking for a health insurance plan is the cost. With a budget in mid, you can already filter through the many choices and only consider the ones that you can afford. Be realistic with your budget and stand firm on your decision as your choices are based on your needs the choices presented to you by insurance agents are normally based on other needs.

The next things to look at are the benefits that come with the health insurance plans that are within your budget scope. Pay attention to the types of doctors, hospitals and medical providers that are part of the plan to see if the kind of health care services covered meet your needs. Take note of the medical service locations and the conditions to be fulfilled if specialist care is needed. Make sure you know where the payout limits of the health insurance are when dealing with major illnesses.

Last but not least is to seek out other references and see what they have to say about the health insurance plans that you would be considering. You could consult with independent government organizations to see how they rate the health insurance plans. These organizations would have done a lot of research and gathered a lot of feedback leaving you with less work to do in rating an insurance plan. Friends and family would also be good parties to refer to when gauging health insurance plans. Their experiences will help you decide a little better. Those of you that have family doctors could get their opinions on health insurance plans as well.

About the Author

For more tips and info about Diabetics?, feel free to visit us at: http://www.about-diabetics.info

Affordable Health Insurance For Unemployed

Affordable Health Insurance For Unemployed by Elizabeth Newberry


How can I get affordable health insurance if I'm unemployed?

There are many ways you can obtain affordable health insurance, even after you've become unemployed. Check into COBRA, converting your former group health insurance plan into an individual health insurance plan, or a state continuation plan in which you can continue being covered under your previous group health insurance plan for a certain period of time.

What if my last job didn't offer health insurance?

There are a few reasons why some employers don't offer health care benefits. Since employers aren't legally required to offer health insurance, not all do. Plus, if you work part-time, you usually aren't eligible for your employer's health benefits package.

If your last job did not offer health insurance benefits, you most likely won't be eligible for assistance such as COBRA, conversion, or state continuation. You can, however, contact your state's department of insurance to find information about any affordable health insurance plans they offer for unemployed individuals. You may also want to ask about your eligibility for state-sponsored health care, as well as Medicaid.

Are there options for unemployed people to get help with prescription medications?

Yes. Many companies that make and distribute prescription medications have special programs to assist those people who need prescription medicine but can not afford it otherwise. If you know your particular prescription medication company, contact them for more information. If you don't know, contact your state's department of insurance for help.

How can I find affordable health coverage for my children?

It is important your children keep continuous health insurance coverage. If you're able to take advantage of COBRA, conversion, or state continuation, be sure to do so. If not, make sure you ask your state's department of insurance specifically about state health care programs for your children. Depending on your income and assets, you may be eligible for free, or very low-cost, health insurance for you children.

About the Author

Affordable Health Insurance for the Unemployed Another great website for car insurance quotes and information

5 things you Must Know before you choose your Health Insurance!

5 things you Must Know before you choose your Health Insurance! by Jimmy Wild


Making a wise decision on which Health Insurance Policy to buy may seem like a confusing task, but if you consider just these five most important items you and your agent will both find that you are a Savvy Buyer! These items are your KEYS to picking a policy that's right for you:

1. The Insurance Company's Rating

Ask your agent for the Company's A.M. Best rating. If the company is highly rated at this national rating registry, then the company will have literature showing their rating with an explanation of what it means. Choose only companies that have an A or A+ rating.

2. The Insurance Company's Record of Complaints at your State Board of Insurance

Every large company will have some complaints. Avoid companies that have a high number of unresolved complaints. Ask your agent for the phone number for your State Board of Insurance. If he will not give it to you, this is a warning signal! You can also look up the number in any directory of your state's agencies. No matter what your agent says, CALL your State Board of Insurance and ask them for the record on any company you are considering.

3. The Limits Shown On Your Health Insurance Quote

Check your quote to see if you are comfortable with the benefit levels. You can usually change several levels to fit your needs and budget. For example, a higher deductible will cost less each month. Also, many plans give you a choice to split your medical bills with the Insurance Company either 50/50 or 80/20 (with them paying 80%). Then they will have an amount (your stop loss) where they will take over at paying 100% of your covered bills for the remainder of the year. These deductibles and other levels start over every year in most plans. Some plans, though, have a "per cause" deductible. Such a deductible means that you will be responsible for bills up to that deductible for each accident or illness. Make sure you are aware of this distinction, so you can choose a plan that's right for YOU!

4. The Limits Revealed Within The Policy

Ask your agent for a sample policy, and then check two sections: The Benefits and The Limitations and Exclusions. Many of your benefits are actually limited in the Benefits section. For example, diagnostic testing or outpatient treatment may be severely limited. These days, you could have a serious disease such as cancer, and never go into the hospital for it. You could rack up thousands of dollars in medical bills for the diagnostic and follow-up lab tests and MRIs, and then have surgery, chemo, or radiation therapy all on an outpatient basis.

Other items that may be limited are your hospital room rate and intensive care. Your hospital room rate should be at least average semi-private and your intensive care benefit should NOT be tied to your room rate, but should, instead, be covered as whatever is an average ICU rate for the area of the hospital, also. Some policies limit the ICU benefit to 3 times the regular room rate, when ICU can cost you 10 or 20 times the room rate each day. A short hospital stay with a limit like this in your policy can cost you literally thousands of dollars. A long hospital stay with a limit like this in your policy could drive you into bankruptcy. Even if your policy says it takes over at 100% after $5,000 of covered medical bills, the important term here is "covered" medical bills. If the policy only pays three times the room rate for ICU, then the rest of the ICU bill is considered an "uncovered" charge!

Look out for these types of limits!

Also, be sure to check the Pre-Existing Conditions Limitation if you already have any medical conditions, and ask your agent if the Company will be excluding your conditions permanently on your policy.

5. Pay the Insurance Company, Not the Agent, & Follow Up!

And lastly, make your check payable to the Insurance Company, and then follow up to make sure it was received. When you get your policy, check the Schedule of Benefits to verify you got the coverage you ordered, and then check to see if any special Amendments were added to your policy to exclude any of your conditions. If an Amendment exists, these conditions will always be excluded from this policy, even after the Pre-Existing Conditions Limitation expires.

Following these five tips will help you choose a health insurance policy which will protect you from catastrophic medical bills. You may think, "Isn't that what any health insurance policy is for?" Yes, that is the reason for buying any health insurance policy, but, unfortunately, many policies fall short of actually providing this protection! Be sure to take the time to choose wisely when it comes to your health insurance!

About the Author

To view our recommended sources for health insurance, or to read more articles about health insurance, visit: Insurance Quote Puppy for free health insurance quotes

Jimmy Chuang is the publisher of http://insurance-quote-puppy.com. He provides more insurance information and offers free home, life, health and auto insurance quotes on his website.

Saturday, February 3, 2007

The Role of the "Health Insurance Broker"

The Role of the "Health Insurance Broker" by Jimmy Wild


A health insurance broker is just like any other type of broker; this one just happens to specialize in the field of health insurance. A broker is somewhat like a matchmaker. His responsibility is to match up those seeking health insurance with health insurance companies that most closely match that person or group's needs.

Quality is better than quantity. It is of no use writing numerous pages of nonsense for the reader. Instead, it is better to write a short, and informative article on specific subjects like health insurance. People tend to enjoy it more.

Health insurance brokers are sought by those individuals who, for various reasons, do not belong to a group insurance policy. These individuals are often the self-employed, or those with pre-existing conditions. However, a health insurance broker will also work with the coordinators of group insurance benefits in much the same way he works with an individual. The broker is given a list of desired benefits, either by an individual or a group coordinator, and the broker shops around to find the best match. The health insurance broker then presents what he feels is the best plan based on the list of needs, and if the person or group benefits coordinator agrees, the broker usually works to get a contract signed by both parties.

Who Does the Health Insurance Broker Work For?

It's important to understand that a health insurance broker does not work for a health insurance company. Instead, a broker makes it his business to know all about the different health insurance companies in the area including their reputations, their frequency of rate increases, and even such things as the way they treat policy holders who submit a lot of medical claims. But even though the health insurance broker is different from a health insurance company, it often does happen that a broker is given an incentive (usually a financial incentive) to recommend one health insurance company over another.

There has been a gradual introduction to the world of health insurance projected in this article. We had done this so that the actual meaning of the article will sink within you.

Nothing abusive about health insurance have been intentionally added here. Whatever it is that we have added, is all informative and productive to you.

Will it Cost More to Use a Broker?

We have not actually resorted to roundabout means of getting our message on health insurance through to you. All the matter here is genuine and to the point.

Does the cost of health insurance differ if it is secured by a broker? That's difficult to answer in general terms. A health insurance broker might be able to get an individual included in a group plan that is offered by the state or a trade union or organization and in such a case, an applicant might find the rates are lower and the coverage better than if he had attempted directly applying via a health insurance company. Most health insurance brokers work on commission and only make money when they've matched up insurer and insured. That means that one party or the other (and in some cases, both parties) typically is responsible for paying the broker's fee.

Because the rates and the rules regarding health insurance are continually changing, health insurance brokers are few and far between. Most states do have licensing requirements that brokers must meet before they're allowed to work as a health insurance broker. And because these requirements are issued at the state level, they differ from state to state. But if you find yourself lost in the tangled web of health insurance red tape, consider working with a health insurance broker. That person might just turn out to be your best ally.

About the Author

To view our recommended sources for health insurance, or to read more articles about health insurance, visit: Insurance Quote Puppy for free health insurance quotes

Jimmy Chuang is the publisher of http://insurance-quote-puppy.com. He provides more insurance information and offers free home, life, health and auto insurance quotes on his website.

Be careful, Don't be victimized by Health Insurance Fraud!

Be careful, Don't be victimized by Health Insurance Fraud! by Jimmy Wild


How to Spot Health Insurance Fraud

It's unfortunate fact: health insurance fraud is common in our society and it's not always possible to protect yourself from becoming a victim. In fact, most people won't even know they've fallen prey to health insurance fraud until they submit a claim for a medical service that they think is covered under their policy. It's often not until after a claim is denied that most people realize they've been a victim of health insurance fraud.

Is it possible to keep yourself from becoming a victim of health insurance fraud? Would you even know what to look for? While there probably are as many different fraud scenarios as there are victims, there is one thing that should always throw up a glaring red flag: health insurance coverage that seems too good for a price that seems incredibly low.

Be wary of unsolicited mail that advertises discounted health insurance, especially if you're not familiar with the name of the company making the offer. Before you take any further action, you should do what you can to research the credibility of the company. Health insurance companies are rated at this web site http://www.ambest.com/. You should also check with your State Insurance Commission to see if the company is licensed to do business in your state.

Most importantly, you also need to read the offer in its entirety, especially the fine print. Be very careful of any salesperson that asks you to pay using cash and/or requires you to pay the total amount of your premium in advance.

If you find that you are a victim of health insurance fraud, follow these guidelines immediately:

1. Contact your State Insurance Commissioner. Find out if they have any other complaints about the company from which you purchased your coverage. Also file a health insurance fraud complaint. 2. Contact your bank or credit card company to stop any future automatic payments that may be scheduled. 3. Contact your local law enforcement agency. Be sure to have all of your cancelled checks or credit card statements and a copy of the health insurance contract that you signed. Also get a copy of your personal credit report from all three major credit reporting agencies as soon as possible. Many times people who perpetrate health insurance fraud also use your personal information to steal your identity and to commit other fraudulent acts. Be smart and check out the health insurance company before you sign on the dotted line. As a final precaution, call your local hospital or personal physician and ask if they accept the insurance. If not, at least find out if they have ever heard of the insurance. When it comes to protecting yourself from health insurance fraud, an ounce of prevention really is worth a pound of cure.

About the Author

To view our recommended sources for health insurance, or to read more articles about health insurance, visit: http://insurance-quote-puppy.com/how-to-find-affordable-health-insurance.htm Jimmy Chuang is the publisher of http://insurance-quote-puppy.com. He provides more insurance information and offers free home, life, health and auto insurance quotes on his website.

International Health Insurance

International Health Insurance by Money Matters Expert


Sometimes buying international health insurance is necessary, but there's no guarantee that it is. Before you get international medical insurance, it makes sense to understand the health care policies of the country you are going to. Depending on where you are traveling, you may have to buy no health care at all or you may have to buy some very comprehensive health insurance. The international health insurance companies will try to make it look like a necessity. They will use every tactic to convince you that, if you even plan on spending a day outside of America, you need to buy all kinds of services. This is not the case, but you should be wary.

When I went to England, for example, I had no need of international health insurance. England is great and most of Europe is. Unlike the United States which would practically prefer to let someone die than treat them for free, international health insurance in Europe is top notch. Everyone is taken care of in the country, whether or not they can afford to pay for health care. I actually got a serious flu while I was there. It started off as nothing, but soon I was so sick that I could barely move. That was how dehydrated I was. I thought that I would be a goner without international health insurance. I figured that no one would give me medical care and they certainly would be reluctant to do so in the United States. To say I was surprised by the treatment that I got was an understatement. Despite my lack of international health insurance, I was hospitalized and treated very well in a top-notch hospital.

When I was traveling in South America, however, things were very different. Again, I didn't get international health insurance coverage. I figured that things would be the same in Argentina as they were in England, but I was mistaken. Health care there is poor even if you have international health insurance. If you are not insured, however, it is abysmal. When I caught a serious parasite, I actually had to take a flight home to get treatment. There was no decent treatment option available in Argentina. This just goes to show you that it is always good to be prepared. If I had been better prepared, I would not have had to endure the misery of an eight hour flight with a severe stomach bug. Let's just say that it was no picnic!

Read more about International Health Insurance

About the Author

Money Matters Expert

Health Insurance - how to search for affordable options

Health Insurance - how to search for affordable options by Tim Baker


Everyone admits that health insurance is a helpful thing that makes our lives easier. But it is also a costly thing and this fact doesn't make our lives happier. Some people think they are in a good health condition and do not need to spend their money on health insurance. But this is not the correct way of thinking. No one knows what will happen in the future and one day you may become in need of health care service. And if you have no health insurance policy, you will have to pay all medical bills on your own, which may become burdensome.

Many people think they are not able to afford health insurance. However, there are different ways to reduce health insurance cost and get an affordable policy for you and your family. All you need is to arm yourself with patience and learn about the methods that will allow you purchase health insurance policy at an affordable price.

Every state offers a Medical program for people with low income and you can be qualified for it. You may think you have no chance, but the surprising thing is that lots of people that think the same way can find themselves as an ideal candidate for these programs. All you need to do is go to the local Division of Family Services office and obtain an application form. You'll be also asked to provide some documentation about your financial state. The program provides insurance not only for you, but also for your entire family. It includes doctor visits, prescriptions, emergency care, dental and eye care, as well as other covers. If you do not participate in your employer's group health insurance program, this would be an interesting option for you.

Another way to lower your insurance costs is to use the Internet. This is the place where hundreds and thousands of insurance companies, brokers and agencies offer their services and compete with each other for the every single client. From the standpoint of an average customer it is a perfect condition to look for a cheap health insurance. However, to choose the right insurance plan that fits all your needs, you need to do a thorough research of the insurance market. Do not confine your searches to one company. Get insurance quotes from several insurers and compare them. Additionally, you can always call or visit an insurance broker and the broker will get even more options to choose from. Plus, you can ask your friends about any particular insurance company. May be, they know something about it and can give you a valuable advice. It is also not a bad idea to check the credibility history of the insurance company you got interested in. Bear in mind that old companies with a strong and long presence on the insurance market should always be a preferable choice for you. And when you have selected the plan that best meets your requirements, make sure the company providing insurance is licensed to operate in your state, otherwise there may be no use in such a choice.

Watch press and TV for alternative health care plans. It may happen that you'll find a suitable plan for you. You have to put some effort to find a suitable insurance plan.

You can learn more about health insurance if you visit a website dedicated to Wawanesa Insurance.

About the Author

Tim Baker is the founder of several online resources about insurance and financial services.