Tag Archives: Health

Are you afraid of your health insurance Georgia plan premiums once the reform takes effect?

Are you one of those people who are afraid of how the health care reform will affect health insurance Georgia policies? Although it appears as if there is national support for health care reform, there are many people who believe this will negatively affect health insurance Georgia plans and prices. This doesn’t mean people are against providing access to health insurance Georgia policies to more Georgia residents. What it does mean is that the government is so heavily regulating health insurance that it most likely will end up costing tax payers a lot of money.

Up until now, health insurance Georgia carriers have denied application coverage to individuals who have high health risks and are in poor physical health. This is one effective method of keeping health insurance Georgia premiums low because the costs for a high risk expensive member are distributed among all the members of a plan. The government already prohibits health insurance Georgia carriers from denying coverage to high risk applicants of a group employee plan. But for individual or family health insurance Georgia policies, carriers were still allowed to look at health conditions and high risk factors as a determining factors in whether to approve the health insurance Georgia policy or not.

However, one of the health care reform acts stipulations is that health insurance Georgia carriers can no longer base approval or denial based on current health condition or high health risk factors. This means that they will have to provide health insurance Georgia coverage to individuals who will have a lot of medical expenses. These costs will then trickle down and be passed on to all the members of that particular health insurance Georgia plan. Over time, these premium increases could be significant. This is why so many people are concerned about the reform acts.

However, that is not the only way in which the health care reform is affecting health insurance Georgia plan premiums. There are many services that the government is now requiring health insurance Georgia plans to include. For example, preventive services must now be covered with no co-payment. Maternity and prescription benefits must be included in all health insurance Georgia plans. In the past, individuals could pick and choose what services they wanted in order to keep their health insurance Georgia plan premiums low. However, now all health insurance Georgia plans must include certain required medical services. This also will result in higher premiums as some individuals may end up with a health insurance Georgia plan that has more services than they really require, and they have to pay for them.

What the proponents of health care reform are hoping for is that with the large influx of members to health insurance Georgia plans, because all American citizens will be required to purchase health insurance policies, the carriers will make enough money that they will not have to raise prices. This is certainly a possibility. However, it is difficult to predict if this is what is going to happen or not.

For now, what you can do is make sure you are happy with your health insurance Georgia policy. If not, contact your health insurance Georgia carrier or insurance broker, to discuss what changes you need to make to your specific health insurance Georgia policy. Stay informed of the upcoming changes, and hope for the best.

Sam Dicosta shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about Family health insurance Georgia, health insurance Georgia, group health insurance, affordable health insurance Georgia, Wellpath north Carolina visit www.cvty-healthinsurance.com

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Health Insurance For Students

College is often remembered as some of the best years of a person’s life. The freedom of finally being able to manage your own schedule without curfews or limitations, meeting new people from varying walks of life, and figuring out what you want to do with the rest of your life are just part of these great years. During such a carefree time, few students stop to think about what would happen if some health problem or injury befell them, making health insurance all the more important for this population.

It is thus important for parents to carefully examine their health insurance policy and contact the company regarding the terms and conditions of continuing health insurance coverage for their college student. Most students are still covered under their parents health insurance policies if the parents elect to continue coverage, but students need to discuss this with their parents to ensure this is indeed the case.

Some policies require students to be full time students in order to qualify under their parents policy, with the actual definition of what full time actually is varies from company to company. Others are satisfied covering dependents through most of their 20s if they are enrolled in college part time. Many have provisions and options at least for part time students, particularly those that work at the same time.

Colleges and universities generally have their own student health center, staffed to deal with minor medical issues and run minor diagnostic tests. However, these lack specialists and most diagnostic equipment, so local hospitals, physician groups, and diagnostic facilities should also be explored. Since out of network health care is so much more expensive than in network health care, local facilities and practitioners should be matched with the insurance policy to ensure that they are in network.

For students going to an out of state university, there may not be any in network facilities nearby. In this case, it is necessary to explore alternative health insurance options. Most, if not all, higher education entities have programs available specifically for students needing health insurance. Generally these require students to go to the student health center for all care unless referred elsewhere by a medical professional there. While coverage is decent, these health insurance policies are not recommended for students with significant pre-existing conditions, as coverage is not extensive and the care obtained at a student health center is generally not on part with that obtained elsewhere.

Since most college-age students are relatively healthy, many may find that a private insurance policy is even cheaper than that offered by their school. Though this is certainly not always the case, it often is. Especially for students that live on campus, it is important to make sure that the student health center is considered in-network, as this is the closest and most convenient place to go for minor medical issues, such as colds, the flu, sinus infections, and minor injuries.

As with all decisions in regards to health insurance, it is important to carefully weight the options in order to make the best decision possible.

Casey Trillbar is the editor of the YourOnlineInsuranceAgent.com website which offers information, resources and online home, auto and health insurance quotes. For more information visit: http://youronlineinsuranceagent.com

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Reasons Why Health Insurance Georgia Policies is so High

Although many people blame health insurance Georgia carriers for the high costs of health insurance, there are many factors outside their control that result in high premium costs. One of the main reasons for high health insurance Georgia plan premiums is insurance fraud. This ends up costing approximately 3% of all health care spending, according to the National Health Care Anti-fraud Association. This means that over $ 100 million per day is lost to fraud annually. Therefore, each health insurance Georgia carrier has to employ an anti-fraud division, to try to recover their costs. This is also the reason for much of the administrative paperwork required when it comes to health insurance Georgia plans.

The most common type of health insurance fraud is billing for services that were not rendered. Some physicians’ offices will use their current patients’ health insurance Georgia plan information and bill for medical services that were not actually performed. They will then receive payment for these services.

Another common type of fraud when it comes to health insurance Georgia plans is charging insured patients more for the same services than uninsured patients are charged. This is illegal, but many people offer cash discounts to patients who do not have health insurance Georgia coverage. However, be aware that it is legal to provide a discount to a patient with financial hardship and without health insurance Georgia benefits. So it is a fine line that physicians’ offices need to walk.

A third type of fraud is charging for diagnostic tests or medical services that are not really necessary. Apparently, chiropractors are the guiltiest of this particular type of problem. Sometimes, a chiropractor will perform a computerized inclinometry, and bill the health insurance Georgia carrier for this test. However, often this test will not really affect the diagnosis or treatment of the patient. Therefore, it is deemed unnecessary according to medical standards.

One of the worst cases of fraud is when a bogus company advertises and offers health insurance Georgia policies at very low premiums and actually gets people enrolled in a company that has a name very similar to a legal, legitimate health insurance Georgia Company. However, this bogus company ends up not paying any claims or services, and is then impossible to locate. Apparently, from 2002 to 2004, 144 bogus companies like this were investigated. This resulted in a lot of expense. Be sure that you check with the national health insurance company association to make sure that the company you are buying your health insurance Georgia plan from is legitimate and authorized to do business in the state of Georgia.

Many customers are not aware of fraud that is done using their own health insurance Georgia plan because they do not understand how to read their Explanation of Benefits (EOB) paperwork. It would be helpful if consumers read these explanations of benefits carefully and reported any suspicious activity to their health insurance Georgia carrier.

It is very unfortunate that health insurance Georgia carriers have to spend so much time and money trying to uncover and protect them from health insurance fraud. This expense, of course, ends up being passed down to the consumer.

Sam Dicosta shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about Family health insurance Georgia, health insurance Georgia, group health insurance, affordable health insurance Georgia, Wellpath north Carolina visit www.cvty-healthinsurance.com

Individual Health Insurance Georgia – Plans That Suits Need of Every Citizen!

Georgia residents are bit lucky as they have wide variety of health insurance plans available. Most of the working class enjoys the benefits of group health insurance where as there are many individual health insurance Georgia plans available for the residents of Georgia. The basic reason is that there are many companies who have laid their foundation here and thus are opening their offices at every part of the state in order to ensure that most of the people get coverage under health insurance.

Some of the companies are Aetna, Blue Cross Blue Shield, Cigna, Cobra, Coventry and United Health Care. There are many government-funded agencies which offer beneficiary and good individual health insurance plans such as Peach State for Kids, AmeriGroup and many more. All these health insurance Georgia plans have specific credentials and necessities for membership and also each one of them offers different benefits.

With the abrupt economic recession, people are finding hard to invest their money. Also, considering the last ten years of data, we can easily predict that healthcare expenses are becoming costlier on daily basis. Thus, it becomes very important that you and your family have an adequate individual health insurance Georgia plan. This will surely reduce the financial burden from your shoulder in case of any unexpected injury or illness. Apart from taking proper care at the time of any injury or illness, these individual healthcare plans provides other benefits as well such as they are more likely to have regular check-ups, annual physical exam, that lead to early diagnosis and treatment. This, in turn, is of immense help in improving your health.

In case if you are employed somewhere, then probably you may get individual health insurance Georgia plan as a part of your compensation package. However, there are chances when you may not be getting health insurance from your employer or you may be unemployed or self-employed, then it’s your own responsibility to purchase individual health insurance plan for yourself. However, you may get the difference in rates of individual health insurance plans from group health insurance plans. Hence, before choosing any plan, you should ask the rates for the same. Further, there are many individual health insurance plans available in the market with different rates.

When you have selected any individual health insurance Georgia plan for yourself, then you have to first qualify for the insurance plan, then only you will be able to purchase that particular plan. In order to qualify, you need to fill out an application. This application will ask you questions related to your health and any pre-existing illness or disease or your past medical history. If you have ever suffered from any disease or illness which has the probability of again arising in future, then it becomes difficult for you to get approval for the individual health insurance plan. However, there are some companies and plans available which may offer you the coverage even if you any pre-existing illness or disease, but, in these cases you may have to bear high premium cost to get the coverage.

Sam Dicosta shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about Family health insurance Georgia, individual health insurance Georgia, group health insurance, affordable health insurance Georgia, Wellpath north Carolina visit www.cvty-healthinsurance.com

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Health Coverage for a Student

If you are going to the college, then you are in need of student health insurance. Attending the college means one of the important things done for securing financial future. But if you fall sick or get injured when you are in the college, what then?
One should not have a false sense of security by his youthfulness & readily understood good health. Anyone can fall to sudden undesired accidents or natural ailments anytime, and huge medical bills could then derail much of his well laid plans. So it is very useful to have health insurance cover for a student.

Some of the options available for a student are:

Stay on Parent’s Health Insurance: If the parents are carrying you on their health insurance, you can rely on it for as long as it is valid. Health insurance contracts allow non-independent children to utilize parent’s health scheme until they attain 25 years of age and sometimes even longer. You should be aware of the details, though. If parents’ health coverage is a HMO (health maintenance organization), full cover is only available in the city or area where you live. However, some of the HMOs have certain arrangements which allow full coverage in the areas which are outside the local base, & this is something which you should always investigate before you go for this particular option.
In case of any medical emergency, parent’s healthcare plan covers services from any facility or provider (e.g. emergency room) which supports immediate care.

Many of the colleges and universities generally offer very low-cost healthcare plans for students. They do so by contracting health insurance companies, which are generally private. One can check with his admissions office for seeing if his school does and if it does then what sort of insurance cover you can avail.
Also, many colleges and universities might require that before admission, one carries some type of rigid healthcare cover before enrollment.

A school might be offering various student health policies which can range from some simple accident policies to the one which covers major healthcare needs. Probably can be a good idea purchasing a comprehensive healthcare policy, which covers visits to the healthcare service, medical specialists, medically-necessary operations & procedures and needed diagnostic tests.

If the school is not offering a low-cost healthcare plan, one might be considering buying an individual medical insurance policy via an insurance agent or broker.
Said that, individual health schemes are generally costlier, and the health scheme will evaluate one’s health before it makes any decision to cover him.

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Risk Management Handbook for Health Care Organizations, 3 Volume Set


  • Author: American Society for Healthcare Risk Management (ASHRM)
  • Binding: Hardcover
  • Brand: Roberta Carroll
  • Creator: Roberta Carroll
  • EAN: 9780470620809
  • EAN List: EAN List Element: 9780470620809
  • Edition: 6
  • ISBN: 0470620803
  • Item Dimensions: Height: 960; Length: 750; Weight: 845; Width: 507
  • Label: Jossey-Bass
  • Manufacturer: Jossey-Bass
  • Number Of Items: 1
  • Number Of Pages: 2000
  • Package Dimensions: Height: 480; Length: 950; Weight: 825; Width: 730
  • Package Quantity: 1
  • Product Group: Book
  • Product Type Name: ABIS_BOOK
  • Publication Date: 2010-10-26
  • Publisher: Jossey-Bass
  • Studio: Jossey-Bass
  • Title: Risk Management Handbook for Health Care Organizations, 3 Volume Set