| How fair is that , well this is the cold reality of the | | | | insurance coverage? For example, many |
| health insurance world. That's correct, you heard it | | | | companies sell temporary policies that can be put |
| right, the insurance business is a cunning one, the | | | | in force for 1-6 months and they are relatively |
| industry is denying health insurance for babies | | | | inexpensive. If you are in between jobs or in a |
| they categorize 'too fat.' This is of course all | | | | waiting period for employer coverage, this may |
| because such babies, they say, are just 'too risky' | | | | be your best option. |
| to insure. Insurance companies are on a regular | | | | 3)What is your budget? If your budget is tight, |
| basis rejecting people with pre-existing conditions | | | | having a $1000, $2500 or even $5000 deductible |
| who aren't covered in a group health care plan. | | | | is better than having no coverage at all. The ability |
| This is one of the kinds of insurance denials that | | | | of doctors and hospitals to save and prolong life in |
| health insurance reform efforts are trying to do | | | | the United States is in many cases extraordinary. |
| away with. When it rains it pours not only it was | | | | However, their treatment is not free and going |
| fat baby, no insurance last week but now it looks | | | | without health insurance coverage can in some |
| like skinny baby, no insurance too! A Colorado | | | | cases result in you and/or your family losing an |
| couple sought health coverage for their | | | | entire life's worth of savings and assets. |
| two-year-old daughter recently and got similar | | | | 4)Be careful to choose a plan that covers the "big |
| treatment, they had no idea that they were | | | | stuff". It is nice to have a policy that covers |
| about to become the latest front in the war to | | | | items such as: physician office visits, routine |
| reform health car and health insurance in America. | | | | physicals, outpatient testing, and blood work. |
| The changing healthcare and health insurance | | | | However, it is essential to have coverage for |
| landscape in the United States has resulted in | | | | major services such as cancer treatment, |
| more individuals and families purchasing health | | | | transplants, critical illness, traumatic accidents, and |
| insurance coverage on their own. Rather than | | | | infectious diseases. Find out the lifetime maximum |
| touch on the number of reasons why this is the | | | | amount as well as if the policy contains "internal" |
| case, I would like to provide individuals and families | | | | dollar limits. |
| finding themselves in this position with ten basic | | | | 5)Always carefully read and understand the |
| ideas to assist them with getting the best health | | | | pre-existing condition clause and policy exclusions |
| insurance policy for their specific situation. Below is | | | | so that you will not be surprised down the road if |
| a combination of ten questions and suggestions | | | | a claim is denied. This is important whether you |
| that will provide the tools necessary to get a | | | | are purchasing a standard medical, temporary, or |
| medical insurance policy that will best work for | | | | student health insurance policy. |
| you and your family. | | | | 6)Does the insurance company you are |
| 1)What are your typical health and medical care | | | | considering have a substantial network of |
| expenses in a calendar year? Most people are | | | | preferred doctors and hospitals in your area? In |
| surprised when they go through this exercise to | | | | addition to family doctors, what type of access |
| learn that they would be financially better off in | | | | will you have to specialists and the best hospitals |
| most years to purchase a high deductible health | | | | in the event you or a family member is diagnosed |
| insurance plan and use the premium savings to | | | | with an illness that requires specialized care? Also, |
| directly offset heath care expenses throughout | | | | what are your options for preferred health care |
| the year. | | | | providers when traveling? |
| 2)How long do you anticipate needing the health | | | | |