Do People Actually Purchase Health Insurance Online?

It may seem like common sense to purchase a health coverage online through a website. However, while we may seem like an “online nation”, there are many people, believe it or not, who do not have regular access to the Internet. Some individuals still make the call to an agent in order to obtain health insurance coverage. However, personal insurance purchases on the web are starting to become much more common according to a publication on Government Health IT entitled “Study: Consumers shift to online health plan enrollment.” In fact, many recent studies conducted by some of the top research and analysis firms are showing a major shift in this trend.

There are many websites available that offer health insurance quotes and online insurance enrollment. Many studies have been conducted in the last couple of years to see just how people are obtaining health coverage. To much surprise, the findings show a twenty-three percent increase in the amount of people purchasing health insurance online, without an agent, as opposed to over the phone through a health insurance professional. This is large increase, showing that, not only are people becoming more savvy about technology, but that they are more educated about their health plan options. It appears that either people do not have as many questions about health coverage or that websites have become more informative and are able to answer the questions that consumers have about health plans. If this trend continues, many health insurance agents may struggle to survive in the business. Especially considering that, because of the new “Obama-care” health care reform, many insurance carriers have lowered agent commissions. This has already lowered the number of active health insurance professionals.

Does this mean that health plans will become less expensive? Well, that remains to be seen. We must take into consideration that one of the changes that will happen because of health care reform is that insurance companies will no longer be able to decline coverage based on an individual’s health. This is good with respect to the fact that more people will be able to obtain health insurance, especially people who would normally be declined based on a pre-existing health condition (e.g. – Diabetes, Heart Attack, Cancer). However, this will cause more claims. Health insurance companies are in the business to make money. When there are more insurance claims then the insurance company has more cost per insured person, thus driving up insurance premiums. It seems that the US government has plans to help the tax-payer with the cost of health insurance through health care reform. But that remains to be seen as well.

With so many changes coming in the next few years, it is expected that more people will start making use of health insurance websites that offer educational information and the ability to purchase a health plan online. Thus, more and more people will use the Internet to purchase health insurance in the years to come.

I started in the insurance industry because, like everyone else that needs personal insurance, I had spent countless hours comparing rates and researching insurance companies to find the best insurance coverage at the lowest price. After repeating this process a few times over, I decided to take this knowledge, study for an insurance exam, pass a test and set a goal to supply other people with this information in a more timely manner.

Understandably, it is critical to find the right information when searching for insurance products. My next step was to create websites that offered the most current insurance information with most competitive insurance quotes. That was many years ago.

Today, we have the resources that consumers need to find an insurance plan that will fit their needs and their budget, If you need help with insurance please visit us at http://www.DoQuotes.com.

Article Source: http://EzineArticles.com/expert/Christopher_Harden/864571

 

Health Care Vs Health Insurance

I’ll be blunt and get right to the three points of this article.
Point 1. Health care and health insurance should be separated.
Point 2. If it weren’t for the fact that health insurance has come to mean health care for most Americans there would be no health care reform.
Point 3. The only way to fix America’s health care once and for all is to bifurcate health care and health insurance as they should be.

I’ll also give you three reasons why I say this so if you choose you can go to other articles and not bother with reading this further.
Reason 1. Because health care is now paid for by a third party health insurance premiums have increased over 100% since 2004.
Reason 2. On average over 60% of every health care dollar is wasted in the health insurance claims process.
Reason 3. Because of the health insurance/health care connection Americans are being robbed of their most precious birthright – their health.

By means of government and health insurance company propaganda health care has been synonymous with health insurance since most of us can remember. At some point who among us hasn’t thought we needed a job with “benefits,” or maybe better benefits, so we could go to the doctor. We have been brainwashed by a system that profits monstrously from our lack of knowledge or apathy – whichever the individual case may be. We have been taught from our first paycheck that health insurance is the be-all-end-all when it’s time to take the kids to the doctor for a runny nose.

That is confirmed within days when we get bill from the doctor’s office that says that the cost for that visit was $225.00.

The system is rigged and it’s rigged so that each and every American thinks that someone else should pay for their health care. More on that later.

Health care should be separated from health insurance like car care is separated from car insurance. When it’s time for an oils change do you reach in your pocket for your car insurance card to pay for it? “Of course not.” you say, “That would be ridiculous.”

I ask you now to stop for a second and think why that would be a bad idea.

In case you don’t know, let me give you a little primer on insurance. Insurance premiums are based on, among other things, claims – both the number and the amount of the claims. The individual states Department of Insurance ride herd over insurance companies to see that the amount paid out in claims is in proportion to the amount collected in premiums. So an insurance company doesn’t get a rate increase unless they have the claims to substantiate the increase. (That, by the way, is the one good service that the departments of insurance serve, since as individuals we don’t have the time nor the inclination nor the resources to look all of that information up.)

So let’s now go back to the oil change scenario and look at it again. Instead of the one, two or three claims that you may file in a lifetime on your car insurance, you now find yourself filing a claim every three months or 10,000 miles. What would you expect your premiums to be like? How much would they increase? Also take this into consideration; your local mechanic or oil change service would have to wait 90 to 120 days to get paid for their money for the oil change. Plus there would be layer upon layer of paperwork to file the claim. The fact is, that if car insurance was like health insurance, your local oil jockey would have to hire an entire billing department just to file the correct forms with the correct codes – not once – but maybe as many three or four times.

Do you think the oil change would still be $35.00 at your local Spiffy Lube would still be $35.00 or with the added payers of paperwork and personnel would the cost go up?

The average face time with a medical doctor in the United States in now less than 10 minutes. The average amount of office labor involved in collecting the money for that 10 minute visit is upwards of three hours. How much is that costing you? Since there are no statistics kept on this let me do the simple math for you here. Billing and coding personnel make an average of $15.00 an hour. That could mean as much as $45.00 of your health care dollar goes toward processing your claim… and that is just at the doctor’s office. To be fair it is probably close to $30.00 on average but that is still a mighty large chunk of money.

It is even larger when you look at what the doctor gets paid. (I told you earlier we would get back to this.) Don’t look at what the doctor bills, Look instead at your EOB, Explanation of Benefits that comes in a few months down the road. Don’t get caught up in the coding and insurance gibberish but instead look good and hard at the amount that was paid to the doctor. In many cases it will be something around $50.00, up to very rarely, $100.00.

So the doctor paid out $30.00 to $45.00 to collect $50.00. Does that sound right or even smart?

Then there are the processing costs added on at claims departments at the insurance companies. Most companies have at least two tiers of bureaucracy to look at every claim. The highest cost of any division at the large health insurance companies – right after management – is the claims department.

The new health care reform law (Patient Protection and Affordable Care Act )has added no less than 159 new programs, agencies and departments in between your visits and your doctor getting paid. Anyone out there really think all of those programs will save your health care dollars for health?

Dennis Rowley

President and CEO

Liberty Health Consultants

Designer and Producer of the High Energy Labs Take Back Your Health Care Health Fair

[http://www.careliberty.com]

Article Source: http://EzineArticles.com/expert/Dennis_Rowley/919433

 

Find Out What Herbal Health Is All About

To most people herbs are thought of in terms of enhancing flavor in cooking. People also think of herbs is reference to natural medicine and oriental medicine. A very common use of the term herbal is in relation to herbal teas.

Actually an herb can be any plant. Herbal health is all about using specific plants (herbs) that have specific know compounds that are used in natural health and as medicine.

While herbal health may be thought of as using herbs like some form of medicine, herbs are also whole foods that support holistic health.

When I think of herb for health I feel it is the idea of using edible plants that have powerful nutritional healing and holistic health benefits to balance the body.

Often it seems herbs are mystified as being exotic potions or drug like compounds that only very specific practitioners or healers know how to use. While there is some truth to this, especially with formulas and combinations of herbs, there are also a whole range of herbs used for herbal health that are easily understood.

Herbal health is a modality for creating and supporting optimal health.

In China and in many cultures all over the world herbal remedies have successfully been used to promote health since the dawn of man.

Herbal health has been around forever and has been widely accepted by past and present societies all over the world. Yet there does continue to be a mistrust and a lot of misinformation about herbal health that persists in the the U.S. culture. Ignorance is partly to blame but there is also a concerted effort on the part of the American medical industry and the pharmaceutical industry to limit and repress the knowledge and use of herbal health therapies and medicinal herbs.

Natural medicine remedies, cures and therapies are often very inexpensive and because they do not offer the massive profits to the drug and medical industry infrastructure they are repressed. The government plays into this as well through the lobby influence of these industries. There have been ongoing efforts by these industries in collusion with the FDA and other governmental agencies to suppress and even ban the use of herbs for health and for treatment of illness and disease. Recently there has even been attempts to criminalize natural medicine practitioners and their use of herbal therapies.

The reality of herbal health is that herbs have been used for centuries to improve and maintain health and to cure illness and disease. As we look at the U.S. western medicine health care system today, we see that the U.S. population has evolved into one of the most unhealthy on this planet, while at the same time being the wealthiest and most well fed. The western conventional health system is heavily based on the use of pharmaceutical drugs to chase symptoms with no effective understanding or program for preventative health. People wait till they are ill then they are put on drugs to maintain their illness and often told to take the drugs for the rest of their lives. No actual healing or cure ever takes place.

Herbal health is based on a holistic health model that uses natural medicine and nutrition as a preventative process to avoid illness and disease. If people do get sick then the herbal health model uses herbs for natural medicine and nutrition to heal by re balancing the body.

Healing and curing can mean the same thing or can be two different perceptions. If you are healed of an illness or imbalance then you no longer have the illness or imbalance this is the same as saying you are cured. There are some limited occasions where you are cured with medicine or a process without going through a healing process. Like the use of an antidote, surgery or a serum that automatically cures your specific illness. Actually outright automatic cures are rare, most illness and disease is about healing.

Illness and disease is caused or allowed to develop from imbalances in the body’s systems. The use of herbs or natural health processes to create and maintain vibrant health and prevent illness and disease has actually proven to be far more effective over time than the conventional western medical model.

As long as massive profit is available from health care, illness and disease, then people will be misinformed and prevented from using the herbal health model. Herbs are an inexpensive form of effective medicine, for maintaining optimal health and for illness and disease prevention.

Whole herbal super foods are herbs that have been concentrated and prepared for consumption as a supplement to your everyday normal diet.

Amazon rainforest raw herbal supplements are eaten by people all over the world and the same herbs gathered and eaten in their natural wild state have been used to support the health by indigenous people in the Amazon for thousands of years.

Take a closer look at herbal superfood supplements, herbal medicines and whole foods as medicine. If you want to be healthy naturally and prevent illness and disease before it can happen to you, then herbal health is worth investigating.

Michael has been writing articles for internet publication for years on healthy eating and natural medicine as well as fitness and exercise. Visit his website and find out more [http://www.superfoodbenefits.com] about whole foods and super food supplements for high quality nutrition.

Article Source: http://EzineArticles.com/expert/Michael_Chadd/530610

 

5 Ways to Save Money on Your Health Insurance

Health reform was signed in to law in 2010 and it meant to make health care affordable and more accessible to more Americans. Many provisions are meant not to start until year 2014. Current provisions have made health care plans more affordable and expanded coverage for preventative care. Here are five ways that you can save money on your health insurance today.

First is to look for health coverage the allow you to lock in your rates. Most health plans available allow you to lock in your rates for twelve months and some up to two years. When shopping for health coverage look for “rate guarantee”. Once the insurance company raises your monthly rate you can you can shop again to find a better rate.

Second look at getting a health plan with higher deductible. Most health plans today offer a high deductible for major accident or illness and small copay for services that might be used more frequently. Most health plans with high deductible still cover you before you meet the deductible for doctor office visits, preventative care (physical exams, yearly check ups) and prescriptions. If you have a preexisting medical condition and would like to lower your monthly premium this might one of your best options. Since insurance companies usually let you increase your deductible without going through medical underwriting.

Third since health care reform there has been some changes made to coverage. In some cases you can get exactly the same health plan that you have not through your insurance company for less. If you have been insured with same insurance company since March 2010 then check if they have the same health plans that you have now. Then find out if you are going to save money by switching to a new health plan.

Forth, when shopping for private health insurance make sure to consider a health plan with the benefits that you need. A recent survey showed that average individual health insurance customer save $77 a month when they selected health insurance plan without maternity coverage. Excluding benefit like maternity, which is not necessary for a single male, you may see significant savings in your monthly premium. Going uninsured or limiting your benefits might be a better choice then not having anything at all.

Fifth way that you can save on your health insurance is considering coverage with generic prescription drug coverage. Find out if you can get a health insurance in your area that excludes brand name drug coverage. If you rarely use prescription drugs and do not want entirely go without that coverage you may be able to save on your medical insurance. Most health plans today offer you a choice between having a coverage for both brand name drugs and generic drugs or only generics. In-case your doctor does prescribe a brand name drug chances are you can get a equivalent generic for it.

Those were five simple steps you can take to save money on your health insurance. The fact is that health insurance is going to keep going up. Making a habit to shop for new health plan every year will allow you to stay up to date on what is available in the health insurance market.

Find out how maternity health insurance [http://www.healthcoveragequotes.com/] plans can benefit you and your family. With number one rated health care provider in California Kaiser Permanente individual and family [http://www.healthcoveragequotes.com/individual-and-family-health-insurance-plans] website gives you resources to make an educated decision on choosing a right health insurance plan.

Article Source: http://EzineArticles.com/expert/Dennis_Alexander/48143

 

Health and Fitness for All – Some Issues

‘Health and fitness’ is probably one of the most commonly used pair of words. The popularity of this phrase and its universal appeal is a pointer to the growing awareness of the importance of health by people at large. Though the importance of health and fitness has been emphasized since time immemorial, there has been a sharp increase in health consciousness during the past few decades. This can be attributed to the spread of literacy and knowledge on the one hand and the concerted efforts by governments and organizations like the World Health Organization.

Health and fitness is not an issue emphasized by the governments alone. There is also a business angle to this. Unlike in the past, providing health care has emerged as a business in the present century. We have hospitals and drug manufacturers minting money by selling the idea of health to people. As it happens with all such initiatives, there are certain undesirable things about the health campaign. You come across a plethora of advertisements on a wide range of health products, drugs, equipment, services etc. You are offered products ranging from pills to prolong your intercourse to miracle drugs to improve memory, intelligence, longevity etc. There is also a long line up of equipment to improve your fitness, strengthen your muscles, flatten your tummy etc.

The tall claims made by people who promote some of these products and services make you wonder whether these claims are true. This skepticism is in total contrast to your taking your doctor’s word about your health and treatment needed and scrupulously following his prescription of drugs and the diet routines. That you will buy anything and everything prescribed by your physician and follow his advise on the lifestyle (to the extent possible) is a testimonial to the credibility and standing of the medical profession. That you look at most of the advertisements for health products with skepticism is an indication of the growing erosion of credibility by the health and fitness industry.

The reality is that you can attain health and fitness much more easily than suggested by some of the promoters of the modern health products. I am not suggesting for a moment that these products do not have value. In fact, all of them may have a unique value. But the question you have to ask is what your requirement is. Health and fitness is essential for all of us but many of us can have this by following a proper diet routine and spending some time for doing simple exercises. Therefore, before going in for any modern device or system, take some time to evaluate your needs, considering the state of your physical health (how much of these do I need?), your financial health (can I afford these and even if I can, is it worth the price?) and your time constraints (will I be able to spend time using these equipment or following the routine suggested?)

Such an exercise will give you a clear idea of the real state of your health and fitness and what you need to do to improve your health and fitness.

Article Source: http://EzineArticles.com/expert/Chitra_Rangaswami/408197