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  • I Can Benefit Insurance
    Healthcare Insurance Plans (469) 546-0021.

    What Types of Health – Medical
    Insurances Are Available?

    Major Medical Plans

    This type of policy is usually effective in covering serious illness or
    injury where costs are high. Hospital care, drugs and doctors’ visits are
    generally covered. These benefits can be delivered in several different

    Compare health insurance quotes and where to get health insurance your area
    by calling for immediate help (469) 546-0021.

    Compare Dental, Individual, Business,
    Short Term & Student Health Insurance Below.

    Indemnity plans – These plans usually provide the most
    flexibility in choosing where to receive care and typically have a
    deductible; i.e., the amount you pay before the insurance company begins
    paying benefits.
    Preferred Provider Organization (PPO) plans – In these major medical plans,
    the insurance company enters into contracts with selected hospitals and
    doctors to furnish services at a discounted rate. As a member of a PPO, you
    may be able to seek care from a doctor or hospital that is not a preferred
    provider, but you will probably have to pay a higher deductible or
    Health Maintenance Organization (HMO) plans – These major medical plans
    usually require you to choose a primary care physician (PCP) from a list of
    network providers. If you need care from any network provider other than
    your PCP, you might have to get a referral from your PCP to see that
    provider. You must receive care from a network provider in order to have
    your claim paid through the HMO. Treatment received outside the network is
    usually not covered, or covered at a significantly reduced level.
    Point of Service (POS) plans – These major medical plans are a hybrid of the
    PPO and HMO models. They are more flexible than HMOs, but require you to
    select a primary care physician (PCP). Like a PPO, you can go to an
    out-of-network provider and pay more of the cost.
    Limited Benefit Plans

    These types of policies provide limited coverage for a particular health
    care setting, ailment or disease. Here are some of the options that might be
    available to you:

    Basic Hospital Healthcare Expense Benefit Coverage – Covers a period of
    usually not less than 31 days of continuous in-hospital care and certain
    hospital outpatient services.
    Basic Medical-Surgical Expense Benefit Coverage – Covers costs associated
    with a necessary surgery, including a certain number of days (usually not
    less than 21 days) of in-hospital care.
    Hospital Confinement Indemnity Coverage – Covers a fixed amount (usually not
    less than $40) for each day that you are in a hospital. The benefits paid
    are not based on your actual expenses.
    Accident Only Coverage – Covers death, dismemberment, disability or hospital
    and medical care caused by an accident. Specified accident coverage that
    covers only certain accidents may also be purchased.
    Specified Disease Coverage — Covers diagnosis and treatment of a
    specifically named disease or diseases; such as cancer.
    Other Limited Coverage – You may purchase insurance covering only dental or
    vision or other specified care.
    Discount Plans and Risk-Sharing Plans

    Discount plans and risk-sharing plans are not insurance plans! Before
    signing, be sure to understand how the program works, and what benefits it
    offers you or your family.

    Discount medical Plans – You might receive advertisements from plans
    offering discounts on health care for a monthly fee. These are not health
    insurance plans and participants do not have the same protections as under
    licensed health insurance plans. Insurance commissioners strongly recommend
    that you thoroughly investigate any plan promising deep discounts for a
    “low” monthly fee and weigh the benefits against the cost carefully.

    Non-Licensed healthcare Risk-Sharing Plans – You may receive offers to join
    a benefit group or association that will take your monthly payments, put
    them in a savings account (or trust) with other participants’ money, and
    then help pay some of your health care costs, as needed. Such arrangements
    are not insurance and the participants do not have the protections available
    to purchasers of licensed insurance plans. State insurance regulators
    strongly recommend that you thoroughly investigate such plans before
    State Consumer Protections

    States provide a variety of important protections through state law. These
    might include:

    The appeal of coverage decisions within the insurance company;
    The appeal of coverage decisions to an impartial external reviewer;
    Prompt payment of claims;
    Access to certain specialists and health care providers;
    Coverage of specific treatments and services.
    If you have questions about protections in your state, contact your state
    insurance department. A link to their Web site can be found at

    Other Important Consumer Protections

    COBRA Healthcare Insurance Continuation Coverage – If you purchase insurance
    coverage through your employer and your employer has 20 or more employees,
    when you leave your job, you are entitled to continuation coverage by the
    federal Consolidated Omnibus Budget Reconciliation Act (COBRA). Your state
    may also require continuation coverage to be offered by smaller employers.
    You can find out more about COBRA continuation of group health benefits from
    the federal Department of Labor, Office of Employee Benefits Security
    Administration Web site, www.dol.gov/ebsa/.
    HIPAA – The Health Insurance Portability and Accountability Act of 1996
    limits insurers’ power to deny or delay claims, reduces your chances of
    losing existing coverage, makes it easier and less risky to switch health
    plans, and prohibits insurance discrimination based on health problems. You
    can find out more about HIPAA from the Centers for Medicare & Medicaid
    Services Web site, www.cms.hhs.gov/.
    Some Final Tips on Buying Health Insurance

    Make sure you feel confident in the insurance agent and company. It is a
    good idea to contact your state insurance department and make sure the agent
    and the company you are dealing with are licensed in your state.
    Learn what kinds of policies will provide what you need and pick the one
    best for you. Don’t hesitate to shop around and ask a lot of questions.
    Do not sign an application until you review it carefully to be sure the
    answers are complete and accurate. Make sure that the word “insurance” is
    actually used and that there is no disclaimer stating that, “This product is
    not insurance, nor is it intended to replace insurance.”
    We know the time and effort involved in finding the right policy. That’s why
    we’ve located the best insurer consumer connector in the industry, to make
    your search for health insurance successful. One simple application matches
    you with numerous local health insurance providers from the

    How can I get the
    best Health Insurance coverage?

    • Evaluate plans carefully:
      Read the fine print to make sure all the coverage you need is contained
      in the policies you’re offered.
    • Compare prices between at least three
      insurers: You’d be surprised how many companies offer the same
      or similar coverage at a wide range of prices.
    • Talk to family and friends:
      Find out if anyone you know has used an insurer you are considering and,
      if so, whether or not they would use them again&and why.
    • Check out customer service ratings:
      The Better Business Bureau or independent companies like Weiss Ratings,
      Inc. can inform you of consumer complaints and service ratings.

    When considering your options, know what
    you’re getting medical insurance or a medical discount plan. If you’re not
    sure, check with your state insurance commissioner to see if the company
    offering the plan is registered to sell insurance in your state. If the
    company is not registered to sell health insurance and you want to buy
    health insurance, consider shopping elsewhere. Remember that if you buy a
    health insurance plan, it generally covers a broad array of services, and
    pays you or your health care provider for your medical bills. If you buy a
    medical discount plan, you generally are paying for a list of providers and
    sellers who may be willing to offer discounts on some of their services,
    products or procedures. If you’re interested in buying a medical discount
    plan, you should investigate the details before you pay any money. For

    Look for a telephone number or website of the company you’re considering
    doing business with so you can get more information.

    Before you pay any money, ask the company for a list of providers who
    participate in its plan. Call the providers and ask about the services and
    discounts they’re offering.

    If the plan doesn’t provide a list of providers promptly, consider taking
    your business elsewhere.

    Investigate the details of any plan carefully. Read the fine print, paying
    special attention to the refund policy. If a plan doesn’t readily provide
    information and answers before you buy, it isn’t likely to be responsive once
    they have your money.

    If your usual medical or dental providers don’t participate, see whether
    other doctors in your area accept the plan and will give you the discount
    the plan promoters promise. Some legitimate plans offer a get acquainted or
    initial consultation visit so you can meet a practitioner who participates
    in the plan before you commit to becoming a member.

    Do the math. Try to calculate what your total payment for a discount plan
    will be for a given amount of time. You could be responsible for paying a
    substantial amount up front, in addition to monthly fees and other costs.
    The costs of the program may total more than the savings you anticipate.
    Indeed, you may be able to negotiate a similar discount directly with your
    provider, without having to join a medical discount program.

    Call your local consumer protection office, state Attorney General, or
    Better Business Bureau to find out whether there are complaints about the
    business offering the discount plan.

    Medical Discount Plans:
    They’re Not Health Insurance policies.

    Affordable Health Care Plan
    Pre-existing conditions? No problem!
    No Deductible or Co-pays
    Thousands of providers in our PPO network
    Discounts up to 60%

    Claims insurance like these in magazines, on television, or on the Internet
    may sound like they’re selling health insurance. Probably not. Most of the
    time, they’re pitching a medical discount plan, card, or program, and
    chances are, they’re aimed at people who are in the market for ways to
    reduce the cost of health care.

    Medical discount plans can be useful for some consumers looking to save
    money on health care. But they’re not the same as health insurance. Medical
    discount plans don’t pay any of your health care costs; instead, they require
    you to pay a fee for a list of health care providers and sellers of
    health-related products who are willing to offer discounts to members of the

    According to the Federal Trade Commission (FTC), the nations consumer
    protection agency, some medical discount plans claim to provide big
    discounts from hundreds of providers for a wide range of services, from
    doctor visits and dental exams to hospital stays and prescription drugs. But
    many plans fail to make good on those claims. The FTC and many states have
    found that although some medical discount plans provide legitimate discounts
    that benefit their members, many take consumers money and offer very little
    in return.

    HRSA’s Consumer Education
    Program provides health-related information which will help you and
    your family live healthier lives. Whether you are a mom, dad, teen,
    grandparent or young adult, HRSA has information and resources that can
    improve your health and make a difference. HRSA also has information to
    assist care givers and health care providers. Living healthy really is an
    educated choice!

    HRSA’s health literacy activities strive to educate
    and increase awareness about the need to improve health literacy among
    health care providers and patients. Understanding health information and
    communicating well with your health care providers will help assure a
    healthier tomorrow.

    Finding Health Care
    For information about your state’s program offering
    free or low-cost health insurance for your child or teen go to

    Insure Kids Now

    HRSAs Health Center Locator
    can help you find a
    health center in your community. These health centers serve all who walk
    through their doors, regardless of ability to pay.

    Free or reduced health care is also
    available at some facilities nationwide through the HRSAs Hill-Burton

    Staying Healthy
    On the
    Agency for Health Care Research and Quality’s Consumers & Patients page
    the publication entitled

    The Pocket Guide to Staying Healthy at 50+
    information on checkups, immunizations and adopting healthy habits for
    people over 50. HRSA’s publication Nutrition and Your Health: Dietary
    Guidelines for Americans provides information for families and children
    about how to stay healthy and active.

    Organ Donation
    You can give the Gift of Life by becoming an organ
    donor. More than 75,000 Americans are waiting for an organ transplant
    because too few of us are willing to be organ and tissue donors. HHS
    Secretary Tommy G. Thompson has launched an

    Organ Donor
    initiative to promote organ donation
    and encourage people to make an informed decision about organ donation.

    Health Careers
    If you are interested in a health profession, HRSA’s
    publication entitled The Allied Health Professions: Opportunities for
    Minority Students — A Career Guidebook, 2000 may be helpful to you. This
    guidebook introduces students to allied health careers and provides
    information for those interested in pursuing such a career.

    HRSA’s Kids Into Health Careers
    campaign has information about encouraging children and young adults to
    pursue a rewarding career in the health care field. Financial aid
    information is also included.

    Caring for People with
    HIV/AIDS continues to be a major health problem facing
    us all. HRSA provides HIV/AIDS information for clinicians who care for
    people living with HIV/AIDS. HRSA’s Ryan White CARE Act program developed A
    Guide to the Clinical Care of Women with HIV.

    Healthy Children
    To help parents raise healthy children, the
    Bright Futures
    initiative provides expert advice and guidelines on practical ways to
    supervise the health of infants, children and adolescents ages 0-21. Bright
    Futures includes information on nutrition, oral health, mental health,
    physical activity and healthy families.

    School Violence
    Violence in our schools is a serious problem and
    bullying behavior is part of the problem. HRSA has created a “Lend A Hand –
    Stop Bullying Now” campaign with a Web site specifically designed for
    children to help educate them, their parents, and teachers about recognizing
    and understanding what bullying is and how to stop it.

    Mental Health
    Information on improving the mental health of
    children, young people and their families is available from the HRSA funded
    Center for School Mental Health Assistance at the University of Maryland
    School of Medicine and the

    Center for Mental Health in Schools
    at the
    University of California in Los Angeles.

    Prenatal and
    Newborn Care
    Order your free Health Diary: Myself, My Baby from
    HRSA Information Center. It contains information on fetal and child
    development, prenatal and newborn care and an immunization table. There is
    also a section where you can record and track your prenatal and pediatric

    HRSAs Bureau of Primary Health Care has developed the
    Lower Extremity Amputation Prevention Program also known as the LEAP
    Program. Learn more about the steps you can take to reduce your risk of
    lower extremity amputation.

    Health Links

    Government Sites:

    FirstGov is the
    official government gateway to Federal, state, local, and tribal
    information, programs, funding, news releases, phone directories and more.

    Health Information
    is a free guide to reliable health information where you can select online
    publications, clearinghouses, databases, web sites, support and self-help
    groups, as well as other government agencies and not-for-profit

    The Centers for Disease Control and Prevention (CDC) established the
    National Prevention Information Network which provides information and
    resources on HIV disease and treatment. They can be reached toll free at
    1-800-458-5231 1-800-458-5231 . The

    HIV/AIDS Treatment Information Service
    which is
    sponsored by the U.S. National Library of Medicine, provides up to date
    HIV/AIDS treatment information and referrals including clinical trials. They
    can be reached toll free at 1-800-448-0440 1-800-448-0440.

    Alzheimers Disease
    Sponsored by the National Institutes of Health,

    (Resources for Enhancing Alzheimer’s
    Caregiver Health) develops and tests new ways to help families manage the
    daily activities and stress of caring for people with Alzheimers disease.

    Closing the Health Gap
    HHS’s national campaign

    Closing the Health Gap
    offers information about
    bringing the best health information to African American communities.

    Drug Abuse
    The National Institute on Drug Abuse, NIH, produced a very informative web
    Mind Over
    Matter Index
    , which explains to children in grades
    5-9 the effects of drug abuse on the body and brain.

    Food Safety
    The Food and Drug Administration has good advice and information on a
    variety of consumer issues including food safety, foodborne illness, dietary
    supplements, cosmetics, and more. Visit the

    FDA Consumer Advice
    web page.

    Medicare and Medicaid
    Visit HHSs Centers for Medicare and Medicaid Services to learn about how
    these programs work and the services they provide.

    Mental Health and Substance Abuse
    Should you need or want information or assistance for a mental health or
    substance abuse problem, HHSs

    Substance Abuse and Mental Health Services Administration

    (SAMHSA) can help.

    Safer Health Care
    Each year its estimated that between 44,000 and 98,000 people die in U.S.
    hospitals because of lapses in patient safety. A Task Force, led by the
    Agency for Health Care Quality and Research, has developed

    Five Steps to Safer Health Care
    to help patients
    avoid medical errors and misunderstandings. They are:

    1. Speak up if you have questions.

    2. Keep a list of all medicines you

    3. Make sure you get the results of
      any test or procedure.

    4. Talk with your doctor and health
      care team about your options if you need hospital care.

    5. Make sure you understand what
      will happen if you need surgery.

    Non-Government Sites:

    Alcohol Addiction
    Family Group Headquarters, Inc
    is an international
    organization dedicated to the support and recovery of families and friends
    of alcoholics. This self-help program is based on 12 steps towards personal
    growth and change. You can locate the nearest support group through this
    sites locator service.

    Birth Defects
    March of
    has resources for reducing infant mortality,
    birth defects, prenatal care, and more.

    Cancer Society
    provides information, support, and
    resources to answer your cancer related questions.

    Diabetes Association
    can explain the difference
    between juvenile and adult diabetes, the warning signs, and the important
    role your diet and exercise play in avoiding and improving this diagnosis.

    Heart Disease and Stroke
    American Heart Association
    has information on how to fight heart disease and stroke and even get
    lessons on CPR.

    Mental Health
    National Mental
    Health Association
    provides helpful information on
    a variety of mental health topics. Find a local mental health association or
    health facility or browse news and events.

    Poison Control 1-800-222-1222
    Administered by the

    American Association of Poison Control Centers
    this public service will instantly connect you to the nearest poison control


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