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Health Insurance Overview- What You Should Consider

admin — Sat, 08 Aug 2009 21:21:28 +0000

How health insurance works.
When I consider purchasing an individual health insurance plan for myself or my family, do I have any financial obligations beyond the monthly premium and annual deductible?
Answers: It depends on the plan, but typically.
•Co-Payments: Some plans include a co-payment, which is typically a specific flat fee you pay for each medical service, such as $30 for an office visit. After the co-payment is made, the insurance company typically pays the remainder of the covered medical charges.
•Deductibles: Some plans include a deductible, which typically refers to the amount of money you must pay each year before your health insurance plan starts to pay for covered medical expenses.
•Coinsurance: Some plans include coinsurance. Coinsurance is a cost sharing requirement that makes you responsible for paying a certain percentage of any costs. The insurance company pays the remaining percentage of the covered medical expenses after your insurance deductible is met.
•Out-of-pocket limit: Some plans include an out-of-pocket limit. Typically, the out-of-pocket limit is the maximum amount you will pay out of your own pocket for covered medical expenses in a given year. The out-of-pocket limit typically includes deductibles and coinsurance. But, out-of-pocket limits don’t typically apply to co-payments.
•Lifetime maximum: Most plans include a lifetime maximum. Typically the lifetime maximum is the amount your insurance plan will pay for covered medical expenses in the course of your lifetime.
•Exclusions & Limitations: Most health insurance carriers disclose exclusions & limitations of their plans. It is always a good idea to know what benefits are limited and which services are excluded on your plan. You will be obligated to pay for 100% of services that are excluded on your policy.

Visit http://www.ehealthinsurance.com/ for free online health insurance quotes.

Duration : 0:3:9

Technorati Tags: health insurance, medical insurance

Health Insurance Options for the Unemployed

admin — Sat, 01 Aug 2009 23:25:17 +0000

This brief video introduces the commentators and the subject matter for eHealth’s 6 Health Insurance Options for the Unemployed webinar.

Visit http://www.ehealthinsurance.com/ for free online health insurance quotes.

Duration : 0:2:38

Technorati Tags: "cobra, cobra insurance, cobra subsidy, health care, health insurance, health plans, health reform, medical insurance

Health Insurance Success Stories w/ online insurance broker

admin — Sun, 05 Jul 2009 06:29:06 +0000

Consumers describe how eHealthInsurance helped them find the right health plan for their needs and budgets. Personal finance expert Jean Chatzky also explains how eHealthInsurance helps consumers save money. eHealthInsurance has helped over a million Americans find affordable health insurance for their personal needs.

Visit http://www.ehealthinsurance.com/ for free online health insurance quotes.

Duration : 0:5:55

Technorati Tags: eHealthInsurance, health insurance, health plans, medical insurance

Individual and Family Health Insurance Plans

admin — Sun, 05 Jul 2009 06:29:03 +0000

This video details the benefits and drawbacks for an unemployed person seeking health insurance in the private market.

Visit http://www.ehealthinsurance.com/ for free online health insurance quotes.

Duration : 0:2:24

Technorati Tags: family health plans, health insurance, individual health plans, medical insurance