Some peole say that you should buy this, buy that, bla..bla..bla..and so on. But i read one hilarious comment of a person, you actually dont need a dental insurance!

If you have regularly checkup to dentist every six months, and have a healthy teeth..then you should just pay cash, because this is surely way less cheaper then your premium.

There is no such thing as dental insurance, because dental insurance actually not an insurance IF you choose to buy HMO, they will assign you to a dentist and they would get a monthy fee taking care you as patient. Seems cheap? NOPE, its not!

So why need a dental insurance for individual? Just get a regular check up and pay in cash. It’s a lot cheaper!

There are several reason why you need to buy dog health insurance. Such as:

1. If someday your dog runs on the street and because a motor accident and the biker got hurt, they probably going to sue you. So you need your insurance to cover compensation payment and legal advice. It’s the same situation if your dog attracts other person, i.e.: bite someone and cause injuries.

2. If you get a treatment in hospital and no one can take care of your dog, your dog insurance can pay for the boarding kennels, however you need to make sure that your pet insurance covers this in details. Because if you are on holiday, your pet insurance coverage surely won’t pay the bill for boarding kennels.

3. If your dog is stolen or lost, some policies will cover replacement and pay the cost for advertising and rewards.

4. If your dog is wild or disobedient, your pet health insurance can pay for a dog training expert or dog behavior therapist.

Considering that this things may happen to you (and I hope never), you can see how importance to have a dog health insurance coverage.

]]> http://healthinsurance.ampminsure.org/2010/06/28/how-to-get-pet-health-insurance-for-your-dog/feed/ http://healthinsurance.ampminsure.org/2010/05/10/travel-health-insurance-a-safety-pin-for-travellers/ http://healthinsurance.ampminsure.org/2010/05/10/travel-health-insurance-a-safety-pin-for-travellers/#comments Tue, 11 May 2010 01:54:40 +0000 lakemen Health Insurance medical evacuation insurance http://healthinsurance.ampminsure.org/2010/05/10/travel-health-insurance-a-safety-pin-for-travellers/

Does any of you ever consider to have a travel health insurance on your vacation or business trip? Mmmm, and why i heard most of you mumbled, NO? Well folks, it’s bad news for you i guess.

Who would ever expected or guess that you get ill or an accident during your trip?  On most cases, you will sent back home. The bad news is, most insurance company doesn’t coverage this kind of expense. In insurance term, they call it medical evacuation insurance.

There are some ways travellers can protect themself agains medical emergencies during their trip, such as  registering in advance with State Department or buying supplemental insurance or stand-alone medical evacuation insurance.

Most of the Americans think that their health insurance coverage also travel with them if they go abroad. Sadly that is not the case. And when they meet medical emergencies, the cost could be disasterous!

You should check your policies to see what kind of expense that covered. Most of them cover medical expense outside the US, for for some leisure traveller, they don’t. If you find that your health care coverage does not include medical evacuation insurance, you should find a supplemental insurance.

I’ll say, you need a travel health insurance if you go out the US, even if you don’t need it. Just in case

Systems used by health insurance companies are two which is replacement system ie reimbursement or the provider system. With the replacement system, insurance participants have to spend money first to pay medical expenses which you can claim or demand reimbursement from the insurance company by which you become participants of insurance.

With this system, we are free to choose any hospital, but certainly the maximum reimbursement has been determined in advance. What should be your primary concern in making the claim is the completeness of the letters of administration which became the main requirement for your process of reimbursement of expenses can be paid out by insurance companies. The latest rapid disbursement of claims depends on the services provided by insurance companies, but generally ranges from 7 working days.

For those who embrace the system provider, you do not need to spend money first. You will equipped with health insurance membership card in order to obtain needed health care in a hospital or health clinic that has been our choice previously based on a list of hospitals that work with the insurance company.

Health insurance is a type of insurance that helps the availability of health insurance funds if participants attacked by health disorders or diseases. All needs from seeing a doctor, care in hospitals, the cost of drugs in the hospital until the operation, all that can be borne by the insurance company. In general the type of treatment or other programs available are the benefits of outpatient, benefit of inpatient care, labor benefits and dental benefits.

In general, the benefits of outpatient that are borne by the insurance company is like a general practitioner and consultation fees or specialists, the cost of prescription drugs, the cost of preventive measures, the cost of assistive devices required by the physician, and others. In the outpatient benefits have maximum limits use of funds each year. While the inpatient benefit can be enjoyed by participants of health insurance is like a hospital expenses, laboratory fees, delivery fees, the cost of emergency service. The benefits of preventive dental care, basic dental care, dental care complex, and the installation of dentures.

Third benefit of treatment, namely outpatient, childbirth, and dental care benefits are additional options we can take by following the basic program, ie, hospitalization benefits. So, we are not allowed to just take advantage of outpatient only, childbirth or dental work alone without following the basic course of hospitalization benefits. The amount of premium payable and the amount of coverage in health insurance is dependent upon the health insurance program that we choose. Various insurance companies have the types of programs and the premium varies with the details of different benefits as well. Usually insurance companies limit the number of total costs that can be used per year.

Medical expenses insurance is a insurance that guarantee the costs of treatment of patients, either because of illness or accident. Actually there are other types of health insurance which referred to as disability income insurance, but the discussion will be made separately.

The background of this type of insurance is the fact that every day people are always faced with the risk of illness or accident and had to be hospitalized. While the cost of hospital treatment to more and more expensive, it’s difficult to access by people with ordinary income. Hence the need for type of insurance that can cover the risk of financial loss (financial loss), due to the high cost of treatment is becoming ever greater.

Today most companies offer insurance policies to provide reimbursement of medical expenses to policyholders or the insurance of participants against the costs of treatment in the form:

1. In patient & surgical expenses

2. Outpatient expenses

3. Dental care costs

4. Childbirth costs

5. Glasses cost

From points 3 to 5 is basically an additional benefit in the medical insurance policy standard product because dental care, delivery, and sunglasses are not related to occurrence of sickness or accident. But suppose that if dental care is done as an emergency action (eg due to accidents), then surely this case could be included in the standard cover medical expenses and insurance.

Before prospective customers buying health insurance products, it need to dig more deeply about the description of each of the above, how long the time limit coverings per occurrence, and whether there is any cost to be borne by the customer (deductible). I will try to discuss one by one as follows:

1. In patient & surgical expenses

Represents the cost of room per day bills including eating and drinking. Usually insurance company only willing to bear this cost component to the maximum limit of a particular day. For example, if a registered participant in the Plan, then the patient will be borne 400 rooms cost a maximum of USD $ 40.00 per day but is limited to a specific period eg 90 days. If the patient must be signed in ICU then insurance companies can set a different number of days, usually shorter than usual inpatient care. Another if the patient has to perform surgery in an operating room, the rate charged is usually also be different.

Included in this type of inpatient covering is the cost of anesthesia, the cost of doctor visits, including specialist doctors, medical expenses before and after treatment in hospital, ambulance costs, emergency dental expenses resulting from accidents, and compensation for death if the patient died.

2. Outpatient costs

Included in the cost components, these include the cost of consultations with general practitioners or specialists, the purchase cost of drugs, the cost of laboratory examinations, and the cost of physiotherapy.

3. Dental care costs

Include the cost of basic care, gum care, complex care, maintenance repairs, and dentures. Prospective customers are encouraged to ask prior to insurance companies, whether there is a deductible (costs to be borne alone) and how the maximum ceiling per year.

4. Childbirth costs

Changing the costs of normal delivery, delivery by cesarean section, or miscarriage. For the record, if there are diseases associated with pregnancy, ask your insurance company, whether incorporated in case of hospitalization (as described in points 1) or included in the cost of this labor.

5. Glasses cost

Changing the cost of purchasing spectacles frames and lenses. Check with your insurance company, how many times a maximum reimbursement of these glasses within a year.

I often get health insurance quote from several insurance companies. However, of all that I saw that first I have to pay my medical expenses before finally getting the reimbursement from insurance companies.

Then, my Dad used to read about the existence of health insurance that does not use such a system, but uses the card system where we just come to the hospital / clinic / pharmacy and show the card to be served next. What is the difference the two and which one should you choose if you want to take health insurance?

There are two claims in the Health Insurance system. Pay first and then billed later, or a card system where you do not have to pay anything. Actually there is no fundamental difference in both types of claims from health insurance system is.

The difference is as follows: the Health Insurance card system, the choice of where you seek treatment / care is usually limited to those already working with your insurance company. This is because the hospital / clinic / pharmacy will need to recognize your card first, before you can be served without having to pay again. The difference with the system pay upfront and then billed later, where you can be treated (almost) anywhere.

Which one should you take? When cash is no problem for you, it’s okay for you to take health insurance claims system using lately. But if your cash is limited, so it is better if you take health insurance card system.

Your aim to participate in family health insurance is a good intention. We often heard if there is a sick family member when it comes to hospitalization, treatment costs can deplete family savings and even can cause the family in dept.

Health care costs worldwide is increasing. No wonder Barack Obama’s policies regarding health insurance in the United States became a hot issue because it involves the interests of the people. American families have started to provide funds for education and health. One way is by becoming a insurance participant . However, the number of health insurance participants in the US is still relatively small, is still about 70 percent of the people pay their medical expenses from his own pocket because they are not covered by insurance.

We rejoice that the national social security will soon be materialized. We hope that through these social security costs that must be borne by the sick family will diminish. It is true that insurance companies more like financial institutions than the health institutions. However, we do expect the role of health insurance companies will increase in the maintenance of public health.

This means that health insurance must also adapt to the needs of society and government policies in the health field. Surely the insurance company policy changes remain supported by financial considerations. Because, basically, an insurance company goal is to earn a profit.

However, what wonderful if efforts to make a profit also can have a significant effect on maintaining the health of individuals and society. I strongly agree that education and prevention efforts have the support of health insurance costs. In many countries, the cost of vaccination in general has been financed by insurance. Even if participants are not vaccinated the insurance company is charging some costs to participants for such negligence.

Insurance companies can also support healthy lifestyles by providing premium discounts for participants who do not smoke, drink alcohol, exercising regularly, and ideal weight. Today’s efforts to reduce health costs is to promote education and prevention efforts. Also the length of care at the hospital attempted to be shortened and the service continued with outpatient services or services at home.

However, there are insurance companies who only pay if the patient is being treated in hospital. Regarding discrimination for some diseases should be eliminated. Each disease should receive reimbursement of expenses. More fair if limiting the amount of medical expenses if the insurance companies do not want to lose.

In addition to the discrimination issue, medical confidentiality should also be brought attention by insurance companies. Still quite a lot of insurance companies that ignore the obligation to keep secrets of medicine, doctors were still asked to fill disease diagnosis openly that allows to read by people who are not concerned.

We all need to try to improve our health financing system. One of them we must strengthen the health insurance company in America. Communication of health profession by the insurance company has already begun, but it is not enough. Still need a more intense communication to the public interest. So choose an insurance company that put the interests of participants and the public.

“I’m just fine and never been sick before. Why do I need to take health insurance? ”

Many people think so and we may one of them. However, do you ever crossed your minds, what would happen if accident and sickness came so suddenly and you had to be hospitalized? You may have to pay the costs of expensive medical treatment until your savings drained, and this of course is not a situation we expect to happen. On the contrary, would not be very helpful if we already have health insurance that can help us in paying medical expenses? More and more that we feel that the health costs are increasingly expensive. Paying the doctor, buy medicine, hospitalization are some examples of costs that must be paid when you or a family member became sick.

Fortunately, who working in a company or agency that already has health insurance programs, so minimal, or little risk because of disrupted health can be assisted by the health insurance program. What if companies do not provide such facilities? Or you are an entrepreneur? Let’s not hesitate and start planning to buy health insurance. With the purchase of health insurance, then the amount of expenditures for health care costs will be relatively stable because of the cost or the annual premium can be calculated with certainty that we would be able to manage expenses and reducing unexpected costs.

Health insurance products are run either by the social insurance companies, insurance companies, as well as general insurance companies.

In America, AETNA is one of the social insurance companies which hold health insurance to its members who are mainly civil servants both civil and non-civilian.

Some insurance companies and life insurance also has marketing programs of health insurance with a variety of different variants. In general, insurance companies health insurance program organized in cooperation with the hospital providers either directly or through intermediary institutions as an assistant hospital network management.