I Can Benefit Insurance (469) 546-0021
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I can benefit Health Insurance Consumer Health Insurance Resource Center (469) 546-0021.
Get help finding the insurance that you need regardless of what state
that you live in.
Looking for Affordable Health Insurance?
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
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
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
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
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
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
Agency for Health Care Research and Quality’s Consumers & Patients page,
the publication entitled
The Pocket Guide to Staying Healthy at 50+ has
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.
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.
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.
To help parents raise healthy children, the
HRSA-supported 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.
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.
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.
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.
FirstGov is the
official government gateway to Federal, state, local, and tribal
information, programs, funding, news releases, phone directories and more.
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.
Sponsored by the National Institutes of Health,
REACH (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.
The National Institute on Drug Abuse, NIH, produced a very informative web
page, Mind Over
Matter Index, which explains to children in grades
5-9 the effects of drug abuse on the body and brain.
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:
Speak up if you have questions.
Keep a list of all medicines you
Make sure you get the results of
any test or procedure.
Talk with your doctor and health
care team about your options if you need hospital care.
Make sure you understand what
will happen if you need surgery.
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.
The March of
Dimes 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
The American Heart Association
has information on how to fight heart disease and stroke and even get
lessons on CPR.
The 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
- Evaluate plans carefully:
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