What to look for in good Health Insurance

[Guest guest]

You have permission to publish this article electronically

or in print, free of charge, as long as the bylines are

included. A courtesy copy of your publication would be

appreciated - send to mike@....

Title: What to look for in good Health Insurance

Word Count: 391

Author: Mike Spencer

Email: mike@...

Article URL:

http://www.submityourarticle.com/articles/easypublish.php?art_id=1232

The article is preformatted to 60CPL.

What to look for in good Health Insurance

Copyright 2005 Mike Spencer

Health insurance is a kind of protection that provides

payment of benefits for covered sickness or injury.

Included in health insurance are various types of insurance

such as accident insurance, disability income insurance,

medical expense insurance, and accidental death and

dismemberment insurance.

Before sign the health insurance policy make sure that you

have read thoroughly the benefit’s section. Take note of

any health care service that is not covered by your health

insurance policy. Also, pay specific attention to how the

health insurance policy is worded. Sometimes, health

insurance companies hide the health insurance coverage

exclusions within the definitions of words.

For instance, a health insurance company may define the

term ‘emergency’ as anything that is life threatening

condition that cannot be reasonably treated by a primary

care physician. Whereas, your definition of ‘emergency’ may

be anything that requires quick medical attention.

Clearly, there is conflict for the two definitions. If you

find yourself in an emergency situation where you incur a

broker arm, for instance, your insurance company may deny

coverage for emergency room treatment of a broken arm for

the reason that the broken arm does not fall under the life

threatening category.

Therefore, you should read over carefully the health

insurance policy definitions, paying close attention to the

seven key words:

medical emergency

medically necessary

accidental injury

experimental or investigational

pre certification

pre-existing condition, and

reasonable and customary

These words and any words that are open to interpretation

should be regarded with wariness. Find out how your health

insurance company defines each of these.

Finally, find the section describing the procedures you

must follow in order for your insurance company to

reimburse you. These policy conditions or prerequisites are

typically worded in a positive tone. Read through each

condition carefully, make notes and call your health

insurance company with any questions.

You should also compare health insurance contracts before

you sign one. In order to compare exclusions, take two

policy contracts and find the exclusions sections. If you

want to compare a number of health insurance contracts then

you could use an online service.

After you obtain your free quote for the health coverage

you desire, apply for it online, and you'll obtain all the

information that you'll need to compare exclusions of each

health insurance policy (though sometimes this will require

more research.)

About the Author:

Mike Spencer recently became unemployed and moved into self

employment. He was forced to find his own health insurance

plan to protect his family. It wasn't as easy as he first

thought. Here he shares the pitfalls of various plans and

what you need to look out for when picking a good plan for

you:

http://www.1st-for-health-insurance.com/articles/what-is-hea

lth-insurance.html