A recent trend in the individual market place has been the introduction of "Low Cost - Zero Deductible - Single Only PPO" medical insurance plans. These plans are PPO plans (meaning you choose your doctor when you need care -not when you enroll as in an HMO plan. The [...]
Health Net of California has announced that effective July 1, 2006 they will be changing the premiums, plan names and making other changes to their individual medical insurance plans. After these changes Health Net will offer 33 individual health insurance plans - a mind boggling number. Compounding the confusion [...]
Health insurance is difficult to understand. There are many options offered by many different insurance companies. One simple way to compare different health insurance plans is to focus on the Best Case and Worst Case situations you may face when you pay for medical care. Best Case: you never [...]
The U.S. Treasury Department has clarified that in certain instances an employee can have a Health Savings Account (HSA) and also participate in a Flexible Spending Account (FSA.) See this press release on the interaction of HSAs with FSAs. Generally, participation in a Health Savings Account with a high [...]
If you're a college student, recently graduated from college, or you're a parent of a college student or recent grad, you may want to consider an HSA (Health Savings Account) medical insurance plan. HSA compatible health insurance plans have high deductibles (typically $2,000 to $5,000 per calendar year.) HSA [...]
Young women seeking to purchase health insurance that includes coverage for baby delivery (i.e., maternity coverage) should consider the Blue Shield Spectrum 2000 PPO plan. This plan has a large deductible ($2,000) but also a low monthly premium (likely under $100 per month for people age 29 and younger.) [...]
If you are about to graduate from college and need to purchase your own health insurance you have many options. Young, healthy men and women often seek a low monthly payment to the insurance company (premium) and safe guards against major financial loss from a serious illness. Here are [...]
If you have a family and want health insurance coverage here is some helpful advice: Examine the cost of medical insurance coverage for each member of the family separately - as well as combined as a family. For example, young children can often enroll in their own individual health [...]
The latest trend in individual health insurance in California is to offer "individual only" policies. This means that only one person is covered by the policy. Examples of these new policies are: Blue Cross Right Plan 40 PPO, Tonik Calculated Risk-Taker Plan, and Blue Shield Active Start plans. This [...]
As the monthly cost of medical insurance rises people search for ways to keep spend less. Health insurance is priced so that you can either: 1) spend more on a monthly basis and less when you receive treatment; or, 2) spend less on monthly premium and more when you receive [...]