Medical Insurance Versus Medical Tourism

Many folks that cannot afford the high-costs of medical insurance are going without. If something bad happens to them medically, they go to another nation where medical costs are lower. They call this medical tourism, where someone goes on vacation to get treatment where the prices cost less. Already many folks go from the US to Mexico for many medical procedures and dentistry, where the prices are a third or less of what they cost in the US.

What is wrong with this picture you ask? Well, it is simple, the US Health Care System is broken and it seems to be getting worse. The high costs of medical care have made medical bankruptcies the number one reason for bankruptcies, literally taking people's life savings. Insurance costs have become so high that many seniors simply cannot afford it anymore. "Houston, uh, we have a problem."

If we take a look at medical tourism we see that folks in Europe where their currency is stronger, come to the US for the medical treatments that they cannot get in their countries due to socialized medicine causing back-ups and delays, and increased costs for the best doctors that have left the system and only work for folks outside of the socialized medical system.

In the United States, many folks that simply cannot afford treatment due to cost, choose to go elsewhere to other nations where treatments are cheaper. And yes, some do go because there are treatments that appear to work that are not approved here in the United States. It's truly amazing what is happening in international healthcare, medical insurance and medical tourism these days.

Lance Winslow - Lance Winslow's Bio. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/.

HIPAA Compliance Today

It has been a few years since the implementation of HIPAA but the rules, regulations and risks have not gone away.

Yesterday I was in a new office that had been set up by a large entity from Atlanta. The facility had all of the proper décor but what struck me was that it was not HIPAA compliant. How quickly we forget! They should know better.

Computer screens were not turned away from casual view, there were no private areas for discussing patient payments, appointments and referrals were made in the front desk area and there was no way of preventing that conversation from being heard by everyone in the waiting room.
Today, before it becomes an issue and costs you money, take a few moments to walk around your office. Look at the charts, the front office check in, the check out area, your medical billing, look at all of the areas open to the public.

Make sure you are compliant. Just like insurance companies do not need a good reason to reject an insurance claim, only a reason, lawyers do not need a good reason to file a complaint against your practice, they just need a reason. The aggravation of dealing with the complaint from answering it, producing documents, answering interrogatories, or just having to pay your own attorney are far more onerous and time consuming than what it would take to ensure your practice has minimized its risk. To some extent it seems almost impossible to completely eliminate it but reducing the risk is well worth the effort.

Remember, a stitch in time saves nine.

The Wynn Group, Inc was founded by Nat Wynn in 1996 dedicated to helping physicians with medical billing and practice management by allowing them to focus on their patient while The Wynn Group focused on making sure each and every claim got paid. Visit us here.

Health Insurance - Is it Only For the Old and the Sick?

It has become alarming that a growing number of fit and healthy people today actually think that they have nothing to do with health insurance. They exercise regularly, do not smoke or take alcohol, eat nothing but nutritious diet, and lead a healthy stress-free lifestyle. Some even convert to vegetarianism, practice yoga meditation, reiki, chi gong and other Eastern practices thought to prevent diseases and increase longevity. So who needs health insurance anyway?

Sadly though, a number of these health buffs, some in the prime of their lives, suddenly get sick and die. You have probably heard of this athlete who, while jogging, just suddenly keeled over and fell dead in his running shoes. This just disproves that being healthy means being invincible to all diseases and sickness. There will always be a "chink in your armor" that infections and dread diseases can penetrate.

Is health insurance only for the old and the sick?

If health is wealth, then it cannot be emphasized enough that having a health insurance is definitely one of the best investment you can ever have. The famous pro-gun slogan "It is better to have it and not need it than to need it and not have it" can very well hold true for health insurance.

Health insurance has become one of the hot issues that often spark debates and controversies. Each individual has his or her own opinion as to who should get medical insurance. As was stated above, the healthy and the strong believe they don't need health insurance anymore. The sober truth is nobody is born with a crystal ball to gaze into their future. Nobody can foretell the time and circumstance when they will get sick and require medical attention.

Another problem is that uninsured healthy people have the tendency to miss health checkups and regular physicals that provide advance detection of dread diseases, abnormalities and malignancies that could be silently spreading in their system. This can lead to disastrous consequences.

What are the benefits of health insurance?

This popular type of insurance safeguards you and your family from sudden medical emergencies that could lead to financial crisis. A well-chosen health insurance plan can provide some financial security and save you from a lot of worries if and when urgent medical care should arise.

This insurance makes cash available to pay for the various medical expenses and health care requirements covered by the policy. It also covers disability expenses and long-time health care requirements like in-house nurses and caregivers. This means you get immediate and complete health care as compared to uninsured individuals.

How does health insurance maintain your health?

One misconception about this type of insurance is that it is ONLY a way of settling medical bills in case you became sick or got injured. While this is true, it is only a part of the many benefits of health insurance and not the whole. This type of insurance not only insures your health; it ensures it.

Keeping you in perfect health not only helps keep the cost of health care at a minimum. It can make health insurance premiums low and within reach of everyone. Health insurance providers like Blue Cross Blue Shield know the value of keeping you healthy. They are also aware that keeping you in good shape eventually saves them a lot of money.

Health insurance companies have various ways to make you aware of the benefits of staying healthy. One of them is through educating the public by means of available online materials and information. They make the public the public aware that smoking kills, that obesity leads to heart complications, that wearing protective gear lessens the damage of accidents or that stressful living leads to a shorter life span.

Katherine Gribbon is an insurance broker with five years of experience in the California health insurance market. Remember that your health is your best investment and you should take great measures to protect it, including choosing the right health insurance.

Receive Free Assistance For the Life of Your Health Insurance Policy

Many folks believe if they apply directly with an insurance company for health insurance, they will save on their premiums. It actually costs exactly the same and by going direct to the company, the policy holder is loosing a FREE service. Using an agent to place your health insurance will NOT cost you anything more. If fact, an independent agent represents many health insurance companies with NO additional cost to you!

By using an independent agent the policy holder will benefit from the experience of an insurance professional who has been dealing with many companies for many years. The agent will therefore know which company will offer the kind of coverage they are looking for and be able to explain the differences between each plan. Many agents offer online quotes that enable the customer to compare each plan side by side and then call to ask more specific questions.

More over, if a problem occurs after the policy is issued, the agent can assist with questions regarding premium payments, in-network and out-of-network coverage, finding a doctor, changing plans or assisting with a claim. An experienced agent, like those at Advanced-Benefits.com will already have an established contact at the company and be ready to assist with most any problem. Most problems or questions can be handled the same day.

If you're still unsure, go direct to the company site and run a quote to see for yourself. If you feel more comfortable applying direct with the company, you can still specify an agent during the application process. If you already have a policy without an agent, you can add one at any time. If you have an agent and are unhappy with services you are receiving, most companies will allow you can change agents. Don't give up your right to have an agent on your side!

If you would like more information, contact an insurance professional at http://www.advanced-benefits.com today! We offer fast free online quotes from top rated insurance companies.

Health Insurance Reform

The final presidential debate of 2008 highlighted the stark differences between the two candidates health care plans.

In a nutshell, Senator McCain favors tax cuts, choice and portability while Senator Obama is looking for an increase in corporate and government responsibility. Either way, it may be years before any significant legislation is passed to reform health care in the United States. Our government is running enormous yearly deficits and will continue to do so - especially considering the most recent $700 billion bailout for Wall Street.

Obama's plan will have significant costs if a centralized federal pool is created and McCain's plan for government tax credits will essentially mean less tax revenue for the treasury. It is difficult to determine where these additional funds might materialize during such difficult economic times.

Are you Waiting to Buy Coverage?

The point is if you are waiting to purchase a health insurance plan for you, your family, or your small business, then it could be a long wait. Health care reform is more than a couple of years away and at that time, it is nearly impossible to guess what shape it may take. Consider that the current President Bush could not pass Medicare reform until his second term. These are "hot button" issues and our elected officials are reluctant to pass legislation that may affect their time in office.

It is cliche, but there is no time like the present to enroll in a health insurance plan. You may need care before Congress and the President have done anything to increase access to affordable health coverage.

There is no doubt that health insurance provides significant peace of mind to individuals, families, and groups who elect coverage. Premiums can be tailored to fit almost any budget. After all, insurance is for the unknown. Consumers who wait may severely limit their options. Purchase a health insurance plan today and rest easy. Reform is most likely years away.

A.M. Hyers has been working in the insurance and investment industry for over ten years. He owns and operates Hyers and Associates, Inc. an independent insurance agency doing business in Georgia, Illinois, Indiana, Missouri, and Ohio.

His agency offers insurance products in the individual, family, and small business group marketplace. They use the leading national insurance carriers to quote health insurance, health savings accounts, dental, and vision plans.

Other lines of insurance offered include life insurance, disability insurance, and long term care insurance. They use several carriers to quote Medicare supplement plans and Medicare Part D coverage for seniors. Additionally, the independent agents of Hyers and Associates Inc. offer fixed, indexed, and immediate annuity policies for individual and group retirement plans.

Health insurance quotes in Georgia, Illinois, Indiana, Missouri, and Ohio

Individual health insurance quotes in Ohio, Missouri, Georgia, Illinois, and Indiana

Health Insurance

Health insurance can be an expensive investment. If you're not aware of what you're paying for, you'll be likely to overpay or pay for coverage that you don't need. With health insurance being so scarce in the struggling economy, the people that do have it need to be very careful what they do with it. If you are affected by the decline in the economy, perhaps it's time to check out your health insurance policy and cut out any coverage types that you don't really need. Although it might seem slightly confusing to understand all the different details about health insurance you shouldn't be too worried; most insurance companies will help you to determine what types of coverage are must-haves and which are less important.

If you have excessively high limits, that might be one place that you can scale back. By cutting your limits to a reasonable amount that will still cover you in the event of a medical emergency, you could save a little money. Also, another way to save money on your rising costs is to consider raising your deductible or co-payment amount so that you may pay more in the event of a claim, but won't pay as much up front for the insurance. If you get insurance through your company or place of employment, your options might be limited. However, you can check into it; there is no harm in trying.

If you are self-insured or don't get your insurance through your job, it's a great time to completely re-evaluate things. Go get a physical, which should give you a clean bill of health. Once you've done that, you need to start shopping around with a few companies and getting quotes. Even though you already have health insurance you should compare the different rates that are available to you, just to make sure that you're really getting the best possible deal. You can even ask for a re-quote with the company you already have insurance through. They might be able to get you discounts or better rates because of a change in your situation or a similar difference.

No matter what type of Missouri insurance you have, now is a great time to re-evaluate your needs and make sure that you're not paying too much for your health insurance coverage. From cutting your coverage amounts down to the essentials, to completely considering a change to a new insurance company, there are plenty of ways for you to cut costs on health insurance to save you money in this unstable economy.

Jeff Broyles is the owner of Insurance In Missouri, the website which allows you to quote and apply for health, life, auto and home insurance. http://www.insuranceinmissouri.com

High Risk Health Insurance Plans - Where to Get the Best Rate

Affordable high-risk health insurance plan - does such a thing exist?

If you've been denied health insurance coverage because of a medical condition, you know how difficult it can be to find an affordable plan so you can get the care you need. Below are some tips to help you find coverage you can afford.

Look Into State Pools

Most states offer high-risk pools to help people who don't have access to group insurance and haven't been able to obtain affordable private insurance because of pre-existing medical conditions. These pools are private, self-funded plans organized by the state. They may either be part of the state's Department of Insurance or be a separate organization.

You usually have to prove your eligibility to join such a pool by showing proof that you live in the state and that you've been denied coverage from an ordinary insurance company.

The state pools cost more than a regular group policy because the members of the pool are all high-risk individuals. However, you generally can choose from different types of policies and you can reduce your costs by:

* Choosing an HMO or PPO plan, which always cost less than traditional insurance

* Choosing a policy with the highest deductibles and co-pays that you can afford

Finding an Affordable High-Risk Health Insurance Plan

You can usually apply for a high-risk policy through your state or through insurance agents. However, the fastest and easiest way to find a policy is to go to an insurance comparison website.

From such a website, you'll have quick access to competitive quotes from companies in your state that offer high-risk coverage. This makes it easier to compare quotes and find one you can afford.

Be sure you look for a website that includes an online chat option and toll-free telephone service so you can get advice and answers to your questions directly from an insurance expert (see link below).

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get high risk health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on high risk health insurance plans.