Consider Short Term Major Medical Insurance In The Us : Health insurance Healthy care review

Consider Short Term Major Medical Insurance In The Us
by Peter Kingston

What is Short Term Medical Insurance
Short term medical insurance is temporary medical insurance and is designed for people who are in between permanent health plans. Short term medical insurance in the US is available and ideal for those who are unemployed, between jobs, have just finished college and waiting for that perfect job, retired or an alternative to COBRA. There are many health insurance companies that provide this type of medical coverage. This medical insurance plan provides many insurance benefits while keeping the premiums reasonably competitive.
Here are the following people who can apply under the various plans of Short term medical insurance
* Those who are 65 years of age or younger and are not eligible for Medicare. Both the person and their spouse are eligible under the scheme.
* Children who are aged between 2 - 18 years of age and are dependent are also eligible.
* Those who are full time students and are below 25 years of age
* Children who are of 19 years and above but are dependent on their parents are also eligible but should apply separately.
Dollar Value Benefits
The benefits are provided per person insured up to 2 million and the deductible amounts can vary from $250, $500, $1000 and $2500. These benefits will accrue to the person after the deductibles are completed. The Short term medical insurance companies normally provide for a 50/50 copay plan (you pay half, your insurer pays half) or an 80/20 plan where the insurance company pays 80% of the cost and you pay 20%. These plans do not cover preventive care, routine medical exams, or pre-existing medical conditions
Since the plans offered under Short term medical insurance in the US are not HMOs or PPOs, the insured can choose any doctor or any preferred network. Short term medical insurance in the US is given for a very short time period, although these policies can normally be renewed after the expiration date. Any condition that occurs during this period is treated as a pre existing condition during the coverage of the renewed insurance policy. Those who are over 64 years of age and wish to get a renewal will not be eligible for a renewal under the Short term medical policy.
Exclusions For Pre Existing Conditions
The maximum coverage limit for the Short term medical insurance is generally 2 million dollars per person. There is no coverage for pre existing conditions, work related conditions and preventive care. These are taken as pre existing conditions under short term medical insurance. These conditions will not be covered by the plan. In the event that such conditions that arise, a supplemental insurance coverage should be considered. . Ask your insurance broker or insurance adviser for your alternatives.
Very simple to apply
Applying for short term medical insurance is very simple. After answering a few simple questions, make the payment, fill out the form and send it to the company. Make sure that the plan you select is available in your state prior to sending the payment. If a person is not fully satisfied with the plan coverage, then the certificate of insurance can be returned within 30 days and the full premium should be refunded less any administration charges.
Save Money
To save money on these plans you can increase your deductible (the amount you pay on a claim before the insurance company pays), or choose a lower copay for example the 50-50 instead of the typical 80-20 plan.

Beating the High Cost of Health Insurance : Health insurance Healthy care review 2008

Beating the High Cost of Health Insurance

by John Davis Jr.

Americans don't need insurance. There, I said it. To those of you who don't yet think I'm a lunatic, allow me to explain my viewpoint: Here in our country, we have become attached to the notion that work means health care benefits. If we want to pay only $15 or so when we visit the doctor, then in our mind, we feel we must have a job with a great health plan, otherwise, we're out of luck.
The farce here is, in all honesty, citizens of the United States have another, better alternative to the massive paperwork and bureaucracy that our insurance system breeds. The solution? Consumer-driven health discount programs. Some of you right now are scratching your heads as I did when I first heard of the concept, but stay with me.
Here's how the whole thing works - discount program companies offer a flat, per-month fee, usually about $20, and in return, patients can then go to a doctor, order pharmaceuticals, visit the dentist, or even get adjusted at a chiropractor for a drastically reduced price. What's more, certain facilities like MRI scanning and radiological institutes are often included, depending on the services covered by the program.
So what makes a discount program any better than insurance, one might ask? Calculate how much is taken from your paycheck for health, dental, and other coverage for just a second, and I am willing to wager that a measly $20 per month will sound pretty great. That is, unless you're one of the millions in our country who is doing without any kind of health or dental care because you feel you can't afford it. If that's the case, $20 per month will sound heavenly in exchange for fillings, cheaper medications, and even the occasional back adjustment.
Why, then, are millions still having money taken from their paychecks for health insurance that may or may not cover them in a time of need? Simple: the discount card program is still relatively new, having been brought about in the nineties, and it has been slow to travel by word of mouth and other discreet forms of advertising. Now, however, you know the secret, and it's up to you to use it.
How? One route is by contacting a discount program broker (you're in luck, as I am one). He or she can direct you to the right place to get qualified and get in the program pronto. There's no sense in paying hundreds and even thousands into a money-making machine that is obsolete, antiquated, and in most cases, broken. Use your best consumer brain, and make the right choice. Taking our country's health care back from the insurance companies and away from fat-cat bosses will forever revolutionize the way America provides for its citizens. Will you be the one to stay and watch from behind, or will you join us? I leave the decision with you, dear reader.