Thursday, May 23, 2013

How does health insurance work - when insurance premium can generally increase?

Q. If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up?

Please advice.

Thanks.

A. No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control.

If you have insurance and need health care - go get the care you need.


What health insurance plans cover the most patients in Indiana?
Q. Who are the top 6 health insurance plans in Indiana in terms of number of patients covered? I believe Anthem is number one?

A. Health insurance can be very tricky. Since I live in Michigan I'm not sure about Indiana laws and regulations, so I recommend you call a local insurance agent. http://www.goodinternetdeals.com/Health-Insurance.html They should be able to help you.


What is the difference between health insurance and travel insurance?
Q. I have a health insurance plan that covers me overseas in ANY country at ANY hotel. What would be the benefit of adding medical travel insurance, if any? I only found one link pertaining to this and it said travel insurance covers personal items and what not, but not any that I could afford.

Does anyone have any experience with this?

A. Really. It pays for medical services at a HOTEL? What are the limitations?? Because they ARE there.

You will need to go to your health insurance broker, who's READ your policy, and can tell you what is NOT covered under your health insurance overseas.


Where can i get individual health insurance for me and my daughter that also covers pregnancy in connecticut?
Q. I need to get health insurance for me and my 1 year old daughter. I am planning on becoming, or possibly already am pregnant but need insurance for us. Any help? This is in CT, so it is a state that does not require individual policies to cover pregnancy.

A. There are many web sites online that offer health insurance quotes you can compare with no obligation.

Some health insurance plans may include coverage for pregnancy. You want to check with the plan when requesting your quotes.

Ask about pre-existing conditions coverage in the health plan and how your coverage and deductibles are applied to pregnancy - What exactly is covered. This way you won't be surprised when you need the coverage during your pregnancy.

You want to make sure you understand the coverages offered, coverage limits, deductibles, co-pays, and exclusions for any pre-existing conditions. Try this site

http://free-health-quote.blogspot.com/

Here you can get quotes from different health insurance companies in your area, its the best way to find an individual health insurance with a reliable company.

Best Wishes,





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