The Internet & Technology Blog http://kremtronicz.posterous.com The Internet & Technology On the Go! posterous.com Sun, 05 Jun 2011 13:19:00 -0700 Health Insurance Advantages To Expect From Your Plan http://kremtronicz.posterous.com/health-insurance-advantages-to-expect-from-yo http://kremtronicz.posterous.com/health-insurance-advantages-to-expect-from-yo

Is health insurance a blessing or a tribulation? 

few can disagree with the importance of having health insurance but very few people can afford to pay the costs of an insurance premium that will warrant them to getting health insurance benefits either. Fortunate are those who are able to get group health insurance coverage, either through their businesses or the insurance of other family members, as they only pay a piece of the payment or none at all. 

But if the group insurance offered by your career is limited or it does not offer any insurance whatsoever, then the only option you have is to buy an individual insurance policy. On the other hand, there are health insurance benefits given only to group insurance plans like affordability and extensive coverage.Considering that individual health insurance is more costly than a group insurance plan, you essentially have to face up to it and grab one now for all its worth. For example, not owning a health insurance plan can be more burdensome in the long run. By buying health insurance, you are actually insuring against the risk of getting injured in the future and incurring medical expenses in the process. 

Before health insurance became widespread, patients had to pay for their own medical bills. Thanks to the advancement of health insurance programs, patients can now rest assured knowing that if they do get ill, they will be able to get health insurance benefits which includes:

Preventive healthcare

Depending on the insurance program you purchase, you can expect your health plan to cover your routine healthcare like yearly medical check-ups and the likes. Almost all insurance companies believe in the knowledge of preventing sicknesses so they have included preventive healthcare as one of the health insurance benefits. 

Emergency healthcare

One of the vital health insurance benefits that a majority of plans allow includes emergency healthcare coverage. Humans are vulnerable to illnesses and this is exactly the incident and the chance which you have paid your health insurance premiums for. This can include coverage for medical procedures like emergency surgery. 

If you have faced getting ill then you can appreciate the health insurance benefits provided by some health insurance plans when it comes to prescription drugs. One pill prescribed for your sickness might be cheap yet if you are required to take it three times a day for a week or a month then it becomes a financial burden.

It is however important to inform you that not all of these health insurance benefits are provided by all health insurance plans. The health insurance benefits you purchase will actually rely on your health insurance premiums. Usually, but not in all cases, the more pricey premiums have the highest number of coverage.

It is thus important that you look over your insurance contract entirely previous to signing the contract. Ensure that the health insurance benefits talked about with you by your agent are specified in writing. Otherwise, you will be assuming coverage in areas that may not be paid for by your health insurance plan in the least.

 

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/1154900/kremtronicz_logo_400.jpg http://posterous.com/users/1kq8rZxsZ0Qh E. López kRemtronicz E. López
Thu, 12 May 2011 22:52:00 -0700 Health Insurance For Unwaged People http://kremtronicz.posterous.com/health-insurance-for-unwaged-people http://kremtronicz.posterous.com/health-insurance-for-unwaged-people

Out of job and out of insurance? You're not alone. 

The Net could have gone haywire even before the government-subsidized health plans for unemployed citizens ended on June 1. A lot of people including those who are in their fifteenth month of COBRA health insurance for unemployed employees and those who are about to be let go have turned to the internet for health insurance choices. 

It is hard enough to be with no work and pay during these trying times so you can just imagine how difficult matters would be if you get ill with no health insurance coverage. However, if you act fast, you may still qualify and be able to find government programs and a few private health insurance for jobless people.

With no federal-subsidized COBRA, the next best options for health insurance for unemployed people is to get a cheap medical plan that may not be as complete as your previous health insurance yet which will adhere to your immediate medical requirements like planned visits to your doctor or maybe a couple days recovery in the hospital. 

If you are positive about finding work in the near future then short-term health insurance for jobless people would be another option. This sort of health insurance is usually available for six months to one year and gives protection against disasterous emergencies.

If you do your exploration correctly, then you may be able to purchase inexpensive short term health insurance for jobless employees, which provides coverage for up to two million dollars. It is possible to get a low-cost insurance less than the cost of COBRA if you are young, healthy, and with no preceding ailments.

If you're unemployed then it might be a good time to begin a lifestyle change by getting rid of unnecessary payments. Nonetheless, while insurance premiums go into the bills category, it should not be placed with the items you need to sacrifice even if you are without work.

The key to retaining health insurance for unemployed employees is to look for an affordable health insurance which you can afford to pay every month while you are looking for work or until your financial situation gets better.

With the demise of the government's subsidy on its citizen's health insurance coverage, it is near disasterous to lose work these days and in effect to lose your group health insurance coverage. It may be a challenging event given the present state of the economy but it is crucial that you immediately look for a job, another source of money or a very cheap health insurance for unemployed citizens.

Unemployed people who are more than 64 years of age and who are experiencing an illness might find it difficult to look for short-term health insurance for jobless citizens. However, the options would be less challenging if you are unemployed, but below twenty-six years old because you can try to get coverage with your parents' health insurance. Yet, don't assume this to give instant insurance for you as you may have to wait for the next plan year.

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/1154900/kremtronicz_logo_400.jpg http://posterous.com/users/1kq8rZxsZ0Qh E. López kRemtronicz E. López