Medical Insurance

Maternity Medical Insurance

If you're expecting but have no insurance, there may be choices available to you that will lessen your costs for maternity-related expenses. Not checking out all your alternatives can mean that your pregnancy is very costly.

Your choices for pregnancy insurance if you're currently pregnant include employer-sponsored health insurance, government-sponsored hospital and surgery insurance. As a last resort some non-insurance plans can lower your expenses by helping you get discounted rates from your hospital.

If you're working and will have a medical insurance open enrollment period before your baby arrives, you may be able to buy coverage through an employment-sponsored plan. If you're married, you should check alternatives with your spouse's or domestic partner employment as well.

If you are going to get married and can do so before your trip to the maternity ward, you may be able to be added to your spouse's or domestic partner insurance before the once a year open enrollment period. With most group health insurance plans when an employee gets married their spouse is entitled for a special open enrollment period.

You may be eligible for health insurance policies that are offered through your local, county or state. In many cases these health insurance plans will accept women who are already expecting.

These programs will probably have benefit or other restrictions. They may limit what they pay and who they will pay. They may limit the doctors and hospitals you can go to.

There may be income requirements. Some plans may require that your income be under a certain level. Others may have no income limit but will ask those with higher incomes to pay more to get insurance.

You can contact your local health department or Planned Parenthood for information on programs available in your area. If there are health care insurance options for already pregnant women in your area, they will probably know about it.

If you're unable to buy hospital and surgery insurance that will cover your pregnancy, there are still things you can do to lower the costs you will have to pay. You can see which hospital in your area has the lowest rates. Hospitals can charge very different rates.

If you can pre-pay your pregnancy expenses, you can often get a lower rate from your hospital. Discuss this option with the hospital you chose if you're able to do this.

You may also find that there are non-insurance programs available that will allow you to pay discounted rates to your hospital. If an insurance company pays for a person's health care bills, they will pay what is known as the negotiated rate. This can be half what the hospital charges those who have no health care insurance. Even if you do not qualify for an insurance policy, you may be able to qualify for the same kind of discount.

You will have more alternatives available to you if you are able to get health and maternity insurance before you're pregnant. However, there may be choices available to you even if you're pregnant before you begin looking for pregnancy coverage.

Be sure to research all your alternatives if you're already pregnant and are not covered by health insurance. Doing so can save you a lot of financial pain.
(Alston Ballkcom)

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Medical Tourism

The Lure Of Medical Tourism

What is medical tourism? Indeed could you become a medical tourist in the future?

Perhaps.Perhaps you live in a place such as the U.K. or Canada where either there are long queues for medical procedures or care. Perhaps as in the case in Canada that not only are there long queue lines for medical care but Socialist thinking makes it impossible and indeed immoral for any one to jump the queue. According the standard socialist trend thinking in Canada, if a person mortgages their home in order to obtain a life saving kidney transplant overseas, then they are considered to be an evil person who has “jumped the queue”.. Indeed as noted medical economist M. L. Labovitch notes that in the” North End Socialist mindset “, that had this person completed the real estate transaction to travel and party or to buy government sponsored lottery tickets then they would be commended and all would be fine and dandy. Finally it may be that it may be that you just cannot afford the cost of medical treatment of medical procedure in your geographic and home area.

Medical Office

Medical Office, Medical Supply Or Medical Testing Company

Although many experts speak of gloom and doom in the medical industry, the fact is that this industry keeps growing by leaps and bounds. Every year, the demand for medical office services, medical testing (e.g. MRI Centers, Testing Centers, etc) and medical supplies keeps getting stronger. This trend is expected to continue as the population ages.
However, even though the growth trend looks good, running a medically related business keeps getting more and more challenging. In the past, doctors and medical suppliers could expect to get large and quick reimbursements for their services. Cash flow was reasonably easy to manage. However, Medicare, Medicaid and 3rd party insurance companies have put in place strict compensation guidelines. These guidelines can be summarized in two simple points: you can look to receive less money than before and you should be prepared to wait longer to get paid.
This creates a financial “perfect storm” for medical industry companies. On one hand, you are getting paid less and waiting longer for your money. On the other hand, your operating expenses remain the same or perhaps are higher. You still need to pay your employees and your suppliers. In almost all cases, this limits your ability to pursue new opportunities and grow your business. In some cases, it may even threaten your ability to continue to operate your business.
Is there a way to “fix” the cash flow problem?
If your business’s main cash flow problem is not being able to afford to wait 30 to 90 days to get paid by insurance companies and Medical office, then factoring your invoices could be the right solution for you.
The factoring proposition is very simple. Factoring is a way of financing, in which a factoring company provides you with advance payments based on your outstanding accounts receivable (or invoices). You get funding as soon as you invoice. The factoring funds it and waits to get paid until the insurance companies or Medicare pay the invoices.
Factoring has advantages over loans and lines of credit. First, factoring financing lines do not have arbitrary limits. The maximum amount of monthly financing is solely determined by your ability to invoice. If your business grows, your financing grows automatically. Also, factoring companies don’t require the same collateral that banks do, so new businesses or doctors’ offices can usually qualify easily.
How does factoring work?
The process is fairly simple. Once an agreement is established with a factoring company, it works as follows:
1. Your office submits your weekly (daily or monthly) billings to the insurance company and to Medicare/Medicaid. (note: sometimes this task can be handled by the factor on your behalf)
2. Your office sends a copy of the billings to the factoring company.
3. The factoring company advances you up to 85% of Net Collectables within 48 hours. Funds are sent by wire or direct deposit. The remaining 15% is called a “reserve” and used to settle billing discrepancies at time of payment. This is returned to you once the invoices are paid.
4. The factoring company waits to be paid by the insurance company or Medicare/Medicaid.
5. Once the factoring company is paid, they settle out the transaction and rebate you the remaining 15%, less their fee.
The advantage of factoring
Factoring is ideally suited for medical offices and testing centers that are growing quickly and cannot afford to wait the usual 30 to 90 days that it takes to be paid by medical insurance companies or Medicare. It can provide you with ongoing financing, streamline your cash flow, and most of all, relieve the stress of not knowing when you’ll be paid.

The Internet Proves To Be The Cheapest Source For Insurance

Shopping for home insurance online is easy. There are a ton of websites that make it so easy to enter the proper information in order to give you an accurate quote. The home policy has less required information than the auto policy. Auto insurance depends so much on extensive driver and vehicle information. The homeowner policy depends on some basic information. The most important calculation is the actual square footage of your home. When you shop online they will want this information.
Insurance companies need this because they use various calculators to determine building costs per square footage. The online quote has a questionnaire that needs completed that will ask you some other valuable information that helps determine the replacement value of your home. Air conditioning and fireplaces increase property replacement values. The size of your deck or patio is also considered when determining the insurance amount. There are questions about your garage location. Finished basements increase the replacement value and the online quote will often ask you the percentage of your basement that is finished.
Prior insurance is important when shopping for insurance coverage for a home that you have been residing in for a while. You will be asked about your present insurance. Having insurance is a must when comparison shopping because it is stability and credit factor that will make the risk more acceptable for the insurance company. If you want personal items insured on a rider of some kind then you will most likely need proof of their value. Jewelry riders require recent appraisals and or receipts to prove their worth.
The online quote process may reveal something about your present coverage that you were unaware of. You may find that after you complete a replacement cost estimator with several companies that your home is either under insured or over insured. This is one of the great benefits of shopping online. It enables you to do some of your own research. Shop for homeowner’s insurance online. You will be pleasantly surprised.
(Greg Haehl)

What Do You Need To Know About Health Insurance

By : Greg Garner

During earlier times, people used to live together and stayed in a group to ensure their safety, besides it being easier to live that way. A group always has more chances for survival, besides being able to produce more output. Economist and scientist John Nash received a Nobel Prize for this theory which is called the ‘Game Theory’. It is based on the concept that a man who hunts alone would get a small animal and lesser meat, than if he hunts in a group of 4 to 5 people and hunt a bigger prey, in which case more meat will be shared among them.

So it is clear that a group is better equipped than an individual to create a huge company, or even to win a war. This is such a practical theory that even though it is subconscious, people apply it to get a better result. However, the insurance sector has applied it in a different way. Whenever you get insurance for your life, your car or anything for that matter, the insurance companies actually collect a premium from a huge number of clients, or in technical terms, policyholders. After that, if a certain person needs an insurance cover, the amount of money collected from so many policyholders enables the insurance company to meet that expenditure.

Health Insurance

Health insurance covers most illness, and covers your expenses in case you are admitted to the hospital for treating the disease you were insured against. However, there are few things which medical insurance does not cover. These are the minor but important expenses which are incurred at the time a person is hospitalized and even during his entire treatment. So it is ensured that you don’t have to bear any type of basic major expense related to the treatment all by yourself.

Choosing the Right Insurance Company

Almost all insurance companies have their websites that a prospective client can easily visit to find out if a cheap health insurance plan has a package that would suit him, given that his income would permit him to shell out $500 per month as a premium (more, in case he has a family).

Plans differ in coverage, co-pay schedules and deductibles. The cheap plans are open for groups, so American corporations can take advantage of this to secure the health of their employees. If, however, you are self employed, or are working in a company where there is no health insurance plan for employees, then the internet can provide you with quite a long list to make a selection from.

The HSA, or the Health Savings Account, is one such plan. The amount of money deposited into this account can be used for paying deductibles or making co-payments, crowns, braces and other dental care services. The HSA also provides for vision care, which includes surgeries as well. Normally, you cannot use the HAS for making health insurance premiums, unless you are under the receipt of federal or state unemployment.

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