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Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset By: Elena Fawkner: Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset © 2002 Elena Fawkner "I've been con... so your state of health will be a factor the insurance company takes into account in determining whether to accept your... Student Health Insurance By: Tony Novak: Students often wonder if they really need health insurance. It seems like a reasonable question when you are young and... attack of appendicitis could easily wind up costing more than $25,000. Even an affluent family will have difficulty arr... High Deductible Health Insurance Plans For Individuals and Families By: Michael Ertel: Do you pay more attention to your car than your body? You change your oil every 3000 to 4000 miles. You have your tire... by taking a similar approach to taking care of their body. For the average American, regular exercise, routine check up... Affordable Health Insurance, an overview By: Ariful Anam: Affordable Health Insurance, an overview Affordable Health Insurance offers you a wide variety of medical insurance p... About the Author Mr. Ariful Anam- Internet Resource Executive- Web Designer- SEO ExpertEmail: ariful@rediffmail.com ... Cutting Health Insurance Costs By: Tony Novak: Surveys of self-employed individuals consistently show that one of their major concerns is the ability to buy affordab... prime target market of numerous health plan marketing scams. State insurance departments continuously shut down disrepu... Health Insurance Plans: Individual vs. Family Ron KingFor most of us, a primary consideration when choosing a health care plan is the cost. Coverage is important, but with the rapidly increasing cost of healthcare, finding the right health insurance plan for your budget is job 1. Knowing what you need in a health insurance plan, and just who and what needs to be covered by it, will help you to decide what type of policy you need. Health Care Plans For The Individual An individual health insurance plan covers only you. No surprise there. If you have no dependents, this will be the best choice from a cost standpoint. Individual plans still vary a great deal in price, depending on the type of coverage you choose. The Indemnity Plan. A traditional health insurance plan that covers visits to any doctor you wish to see, and will cover any procedure the doctor prescribes for you. You'll notice variations between plans as to the size of the deductible and the limit on out-of-pocket expenses. Overall, this is the more expensive type of individual health insurance plan, but it offers the most freedom of choice. The Managed Plan. Individual managed plans, like HMO's, are more cost-effective, but you give up some of the freedom of the indemnity plan. You will be able to see only the doctors on your approved list, and any specialists you see must be by referral. If your health care amounts primarily to yearly check-ups and the occasional prescription for antibiotics, this is a plan that could work for you. It will cover health emergencies, there are just more hoops you have to jump through. Both of these health insurance plans sometimes include prescription and dental coverage at an additional cost. Family Health Insurance Plans Since family health insurance plans cover more than 1 person, the cost will naturally be higher. The bigger the family, the bigger the price tag. Also, the age, gender, and health choices (like smoking) of each family member will play a big part in how much this type of policy will cost. There are indemnity plans for families and they offer the same freedoms as the individual plans. This can be a real bonus when dealing with multiple people on 1 policy. Family health insurance plans also come in the managed health care package and work pretty much the same way as the individual ones. The cost will be higher than the individual managed plan, but not as high as the family indemnity plan. Group Insurance Plans Many companies now offer their employees group insurance coverage, footing the bill for most or some of the premium. Since many of these companies offer both types of health insurance coverage, how much you end up paying out-of-pocket will depend on which type of policy you choose. About the Author: Ron King is a full-time researcher, writer, and web developer. Visit http://www.healthinsuring.com to learn more about this subject. Copyright 2005 Ron King.
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