Archive for September, 2007
28
Sep Why is having health insurance important?
Posted by: Medindia
In today’s world, having Health Insurance isn’t a luxury; it is a necessity for most individuals. While most of these individuals depend on their employer to provide an affordable Health Insurance plan that takes care of their Health Insurance needs and in many instances the Health Insurance needs of their family.
It is way to often that many of these individuals can find their Health Insurance situations change in the blink of an eye, individuals can quickly find themselves without the much needed support from their employer who most likely was covering a significant portion or maybe even all of their Health Insurance premiums.
You may think that Health Insurance coverage is something that you may not really need or maybe you just can’t afford. But if you had to face paying medical bills & health expenses alone in the case of an unexpected illness or sudden accident, would you really be able to? Health Insurance is something that you can’t really gamble with or even afford to live without. Like other forms of insurance, health insurance offers you protection from catastrophic financial loss. Through the years, people have started to expect more from their health insurance plans. For example, when you purchase auto insurance, you know that it will cover you in the event of an accident. However, you don’t expect it to cover general repairs on your vehicle. You also hope that you won’t have to file a claim because that means you’ve had an accident. You pay the premium and hope you will never need to use your benefits. Not so with health insurance. People now expect their health insurance plan to cover major illnesses as well as everyday medical expenses. That ncludes doctors’ appointments, medication, and countless tests and procedures. The health insurance premiums are a reflection of what it costs to receive all those types of medical services, as well as protection from catastrophic loss.
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Health Insurance
26
Sep Can a world health insurance scheme realize every man’s health dreams?
Posted by: Medindia
A dream comes true!!!
The basic requirements for a world health insurance have already been developed in theory and even in practice to a certain extent.
A world health insurance could solve the problem by defining rights and duties for both rich and poor states. A world health insurance would shed different light on the problem of sustainability. Several effective health interventions are branded as “unsustainable” in poor countries, because national health budgets cannot afford them.
The option of substantially and permanently increasing national health budgets through international assistance is rarely considered. The creation of the Global Fund to Fight AIDS, Tuberculosis and Malaria (“the Global Fund”) demonstrates the merits of ambitious thinking: the provision of antiretroviral therapy (ART) to people living with AIDS, previously dismissed as unsustainable, became widely accepted as soon as the Global Fund provided a long-term funding perspective. Other health interventions deserve a similar approach.
A Practical Format for a World Health Insurance
The underlying principle of health insurance is the willingness to share health risks and the burden of health care.
In national health insurance schemes, duty-bearing individuals pay a fair contribution; rights -holding individuals receive assistance in accordance with their health-care needs.
Transposed to a world health insurance, rich states would pay a fair contribution and poor states would have a right to assistance according to the health-care needs that they are unable to finance themselves.
The creation of a world health insurance would therefore require:
(1) A mechanism to determine the contributions from rich
(2) A willingness to share health risks and the burden of health care between rich and poor states;
(3) A mechanism to allocate resources to poor states;
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Health Insurance
25
Sep Can Spirulina bring down your health insurance costs?
Posted by: Medindia
People are recognizing more and more that taking spirulina can keep you healthy.
Spirulina is a mature product in the health food area, and is classified as a super food. Super foods, which include Spirulina, can ward off sicknesses and weaknesses. Over the last 2 years, there’s a spurt in demand for Spirulina all over the world.
The immune-enhancing properties of spirulina have created a surging demand among Asian customers. Today there’s a large consumption of spirulina in Asia, including China, because of the SARS outbreak.
In some companies in the US free bottles of Spirulina were distributed and the amount of time spent off work for sicknesses declined greatly after it was widely available to everyone working here, and it declined so much that the health insurance expenses went down.
Companies could be suggesting this to their employees and saving money and saving health care costs all at the same time.
Have a healthy future with Super foods, Spirulina and your health insurance taken on time.
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Health Insurance
22
Sep Know and understand your health insurance policies…
Posted by: Medindia
Insurance policies for the most part are simple to understand if you know the language they speak. Let’s get started and see if we can help you make sense of your new health insurance policy. Even if you are a stranger in the world of health insurance, once you are through with this article, you will no longer have to consider yourself to be a stranger in it! Health insurance can be considered to be part and parcel of life. These are some of the key points that you will have to read and be very familiar in your health insurance policy. Exclusions will be one section that you must read very carefully and fully understand in your health insurance policy. Exclusions are things the policy will not cover and this can be a very gray area. The policy could cover surgery but not after care or cover after care and not the operation. This is one of the most important sections of your policy so read it and reread it over a lot to make sure you grasp all of the contents and what it covers and what it doesn’t cover. Pre-existing conditions is one of the things you will want to know about. Pre-existing basically means it was a condition you already have and been treated for which the policy will not cover it or pay for any work done for that pre-existing condition.
Some health insurance policies will cover pre-existing where others won’t which is why knowing what is in your policy is very important.
Waiting period is usually the time you will have to wait for your health insurance policy to become effective. Most policies do have a waiting period and the benefits aren’t available until you have met the waiting period requirements. Different companies have different policies so check with your insurance company so you will know the rules for your policy. Grace period is the amount of time that is given for one to pay their health insurance premium after the original due date has passed. There are many things that you should always remember as you look over your health insurance policy. Read each and every paragraph and make sure you understand how the whole policy works so you will never be in the dark or have any questions about what is covered and what isn’t. Remember that it is okay to ask questions!