If you are looking for all of the basics regarding health insurance plus some other tips that you might not have heard of, this article is for you. This can be a confusing subject with all of the different opinions and information that is available – especially when a lot of it is contradictory.
Providing your family with dental insurance, not only helps to promote the health of their teeth and gums, but their bodies, as well. Research has linked periodontal disease with strokes and heart disease. In fact, a staggering number of systemic diseases cause oral complications, such as ulcers and inflamed gums, so early detection of these problems by a qualified dentist, could alert you that the underlying cause is a serious disease, such as diabetes, cancer or leukemia. Left unchecked, oral infections could also spread throughout the body, causing inflammation of organs or heart valves and resulting in complications of the digestive system. Nearly 50% of Americans do not have dental insurance and as a result, many of them do not receive adequate dental care. Don’t let your family be a part of this statistic.
If you are having difficulty finding a health insurer who will accept you due to a pre-existing condition, you may be able to get help from your state. State governments have set up insurance pools for high-risk individuals who can’t otherwise qualify for coverage. Look online for your state department of health services.
Depending on the demographic makeup of your office, employer based insurance may not be the best for you. Insurance plans are built upon spreading out the risk. If you are the youngest person in an office, working with a group of people nearing retirement, you will pay more for your insurance to cover for them. Always check with outside insurance before choosing to go with your employers.
Increase your deductible for lower premiums, but prepare to pay more out-of-pocket expenses. If you feel that you cannot afford your premiums, you can consider a deductible increase, but make sure you take all other expenses into account. You may not actually be saving money if you visit the doctor more frequently.
If you are unsure about what you are reading in the health insurance policy that you are considering, do not hesitate to have someone else read over it. You do not want to be surprised down the road when you learn that something is not going to be covered and you are going to have to pay for it out of pocket.
Check to see if your doctors accept the insurance that you’re thinking about purchasing. You can usually find this information on the insurance company’s website.
If you use prescription medications and are on a health insurance plan, check with your insurer to see if 90-day prescriptions are available in pharmacies. 90-day refills have long been available by mail, but now they are becoming available in local pharmacies – which means you get the full cost benefit of a 90-day prescription (essentially 90 days’ worth of drugs for a 30-day payment), without having to wait for the medications to come in the mail. It’s a tremendous deal and definitely worth checking out.
As stated at the beginning, there is quite a bit of information in regards to health insurance. Hopefully you will find these tips beneficial. You should now find yourself ahead of the game if you are working to become an expert, or just trying to get a bit of background information.