THURSDAY, JUNE 9, 2011
Understanding the Figures
If you’re in the market for health insurance, you’ll likely be bombarded by facts, figures, numbers, statistics, and quotes until your head begins to spin. For the uninitiated, buying health insurance can often be overwhelming and while an insurance salesperson will often answer any of your questions, it’s often a good idea to understand just ….
what you’re looking at on your own. To get the best policy for you, you’ll want to compare different NC health insurance quotes and find the perfect one for your needs. This is hard to do if you don’t fully understand all of the terms on the quote.
The most obvious number you’ll be looking at when you compare NC health insurance quotes is the premium. Put simply, this is the amount that you’ll be paying the insurance company each month for your insurance coverage. Numerous factors can influence this figure, but it’s important to find a plan that you can afford. Most people will want to find a policy with a co-pay. This is a fixed amount that you’ll pay for doctor visits or prescription drugs, and the exact number will vary by policy. You may only have to pay twenty five dollars for a doctor’s visit, for example, or pay ten dollars for each prescription.
Next, look at the deductible amount. Essentially, the deductible is the amount you’ll have to pay in medical costs before the insurance company picks up the rest. For example, if a hospital stay costs you twelve thousand dollars and your deductible is two thousand, you’ll have to pay that two thousand first and then your provider will pay the remaining ten. This is cumulative, and could include minor doctor’s visits, with each visit’s fee going towards your deductible. Also be sure that you compare the coverage limits on your NC health insurance quotes, since that is the maximum amount that your insurance company will pay for in a year.
Don’t overlook the exclusions that are listed on your NC health insurance quotes, either. These are the services that simply aren’t paid for by your insurance. You’ll have to pay for these procedures out of your own pocket, and they likely won’t count towards your deductible. Cosmetic surgeries are good examples of common exclusions, but exactly what is excluded will vary from policy to policy. There are plenty of great health insurance plans out there, and as long as you understand these basic factors you should be able to get the best policy for you.
MONDAY, JUNE 6, 2011
Picking the Best Policy for You
Dental insurance is the one of the most overlooked forms of insurance you can buy, but one of the most important. Good oral hygiene can affect your overall health and well being, but dental care can be costly. There are several affordable NC dental insurance plans available, and finding the right one is often as easy as comparing a few quotes ….
and settling on the one that’s right for you. But there’s more to look at than just monthly premium payments. Factoring in a few different things will help ensure that you purchase the right policy for your specific needs.
The first thing to look at when looking through available NC dental insurance plans is that your dentist is included in their coverage. If your regular dentist isn’t, you’ll likely want to find a policy that includes him. Next, take a look at the restrictions on treatment your policy might have. In some cases, certain dental plans will require that only the cheapest treatment option for your problem be used. If you want to get the best care, you’ll want to find a more flexible policy that will allow your dentist to decide on the best treatment instead of being forced to go with the least expensive option.
Be sure that you understand the different types of treatment that are covered by NC dental insurance plans. Most companies break them down into three basic types – preventative, restorative, and major. Preventative measures are usually always covered and may even be free for you through a plan. These include regular cleanings and x-rays. Restorative procedures include fillings, minor extractions, and root canals. Major procedures are dental surgery, dentures, partials, and more. Make sure that you get a plan that covers as much as possible or you could be left with a hefty bill that is much more than you would pay in insurance premiums.
Finally, take a look at the prices for the various NC dental insurance plans. Compare the monthly premiums and any deductibles to the level of coverage that is provided. Too many people consider dental insurance an expense that they can go without. But when you’re faced with the need to undergo a major dental procedure and the bill that goes along with it, that expense suddenly looks more like a smart investment. By taking a look at the basics of any dental plan, you can buy a policy that works for you. It will pay off in the long run.
MONDAY, MAY 30, 2011
Getting a Policy You Can Afford
Health insurance is a topic that comes up a lot these days. From the dinner table to the senate floor, everyone seems to be focused on it. If you are an individual or family looking for affordable North Carolina health insurance odds are that you have a limited amount of money that you can spend on your policy but still want to get the best possible ….
coverage. There are numerous things that affect the price of an insurance policy, and getting the best price means not only factoring in what you need but also what your lifestyle consists of.
The first thing to keep in mind when you set out to buy affordable North Carolina health insurance is that your lifestyle will play a big part in how much your policy costs you. Certain groups are higher risks for insurance companies, and they’ll pay higher premiums accordingly. The older you get, for example, the more your insurance payments are likely to be. If you have pre-existing conditions your premiums could go up, medical treatment concerning those conditions may be excluded from your policy, or you may even be denied coverage outright. And smokers, drug users, or overweight people will be paying more as well. Some companies even offer discounts for healthy lifestyles.
As far as the actual policy, you can often adjust certain aspects of an insurance policy to change the costs to you. It’s really a matter of knowing what factors are important to you and which ones aren’t. For example, if you seldom visit a doctor and want to be protected against an unforeseen illness or injury, you may want to forego a co-pay and focus on low deductibles and high coverage limits. Deductible amounts and co-pay amounts are the two main factors that can lower or raise your premium payments, so consider what you need from each of them in order to find affordable North Carolina health insurance.
Of course, certain companies are simply less expensive than others. This doesn’t necessarily mean that their coverage is inferior – just that they’re cheaper. The key to finding affordable North Carolina health insurance is to shop around. Get quotes from several different insurance companies and compare them to one another, keeping in mind just what you need from the policy. Once you do this, you can get a clearer picture as to just what your insurance will cost you. In some cases you’ll find that you can get coverage for less than you think.
MONDAY, MAY 23, 2011
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