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Posted by: Georgi 

For people who have been in the industry for a while, either as a broker or a health insurance service provider, then you must know how critical health insurance leads are. Ever since the idea of health insurance came into being several decades ago, the need to have efficient and effective insurance leads has been felt and needed wide and across all sectors. Basically, insurance leads are thought to be essential and paramount to generating more sales.

Thanks to the advent or technology, more specifically the internet, the old idea of cold-calling and door-to-door knocking in an effort to sell insurance policies to consumers is virtually history today. Mind you, these old methods of marketing ere widely used and were very effective in generating more insurance policies and also to get efficient insurance leads that could later translate to the much needed sales for the company.

Even so, it is important to point out that there are people today, even in this age and time of technology and the internet, that are yet to be aware that insurance can be bought entirely online. Such people are better off with the old method of marketing. But for the internet savvy target audience, those who are aware that policies can be bought entirely online at the comfort of their home or office, they can be reached with online insurance leads. But exactly how do you generate these leads effortlessly? If you are in the business of selling insurance and ‘re-selling’ insurance packages and policies, there are several ways you can go about generating effective insurance leads.

The first way you can get insurance leads easily is by approaching online vendors. Today there are very many vendors online who have mushroomed in the recent past. The work of these vendors is to develop websites which are highly optimized to attract leads online. The leads are then bought by vendors via people who are always in search of insurance policies online. Then there is the other class of individuals on the internet who sell or transfer insurance policies to insurance vendors or brokers online. Such people have the potential to become great insurance leads for various vendors online, as they are less likely to sell insurance regularly.

The other way you can get health insurance leads online if you are a vendor or broker is by directly selling health insurance packages. This way, you don’t need to approach any specialist vendors online who are specialized in selling these leads. What you do is to generate the leads by yourself. To get started, you simply create a website dedicated to health insurance products and related services. Ensure the content you post on that website is informative enough for people to make an informed decision. Ensure the website is search engine optimized enough to attract the attention of your target audience. This way, you will attract the attention of your target audience who will actually be more interested in the services and products you have on offer.

Posted by: Georgi 

It is during former U.S president Bill Clinton’s reign that the Universal Health Care system gained in popularity. Even though this plan is thought to be a large failure, the fact remains that the universal health care ball was rolled, a move that made many Americans think about having a united health care plan for all. Since this plan was proposed, the debate on a united health care system has continued to form part of election topics and debates as a proposed solution to the US health care crisis. Statistics indicate that 41-50 million people living in the United States are without a basic health insurance plan.

The universal health insurance system has actually been a success in some First World countries, giving families advanced medical care. But what exactly is this universal health insurance system? A universal insurance of single payer insurance is one that all medical expenses are paid for, and facilitated by a single source using money collected from citizens through such things as levies and taxes. Note that the federal government can be the sole health care provider or better still, subcontract an independent corporate entity to do the same.

A very widespread misconception about the universal health care system is that it is a collective, more of a socialist type. However, the only difference in this concept is that the federal government owns and solely manages all profits and loses form the health system. Basically, in a socialist environment, it means the government has its hand in every detail of the system, starting right from service delivery to payment collections. On the other hand, universal insurance is simply a mechanism in which health care is delivered efficiently with no fuss.

Note that with the universal health care system, it doesn’t mean you have to go to designated hospitals or visit designated doctors. No, you can visit your favorite physician, or go to a hospital that knows your medical history. The only difference is that you won’t have to worry about unpaid bills, prescription drugs inclusive. Once you are done with your visit, your service provider will pay your doctor the fee for each visit or alternatively get a hefty monthly check from public money.

There are sad stories of people being turned down because of failure to raise money for medical procedure or surgery. But under the current health care system of deductibles and co-pays which prevent people from visiting a doctor or hospital unless when it is really necessary, it carries a significant amount of danger of exacerbating one’s health condition, where one can only visit a hospital for the smallest thing just to avoid it from happening.

But, under the single payer universal health care system, you wouldn’t have to worry about anything when it comes to money, whether you are unemployed, bankrupt, or poor. Insurance coverage for the Universal Health Care System cuts across all classes and sectors meaning unpaid hospital bulls will be history. Perhaps you are thinking, this universal health care system is just a dream, but it has been successful in Canada, Australia, Denmark, Sweden, Finland among many others.

Posted by: Georgi 

There are very many health insurance questions that may arise during a divorce proceeding, such as:-
1. Are both divorcing parties covered even after the divorce, and if yes, for how long?
2. Are the kids covered during and after a divorce proceeding?
3. Can one party be allowed to cancel health insurance coverage for the other party during a divorce?

It is common and very widespread fallacy that someone will continue getting health coverage under their ex-spouse even after a divorce is finalised. The truth of the matter however is that as of the date the rule of law is made that two people are officially divorced, the ex-spouse will no longer be eligible to access health care services under their spouses coverage.

This therefore means that whatever medical cost you will incur, even though the medical practitioner will treat you for ‘free’ at the moment of consultation, will be back-charged on your at full rate since the coverage ends on the date of the divorce. Needless to mention therefore, if you need to undergo a serious medical check-up or treatment, do so before you finally sign the divorce papers as there will be no coverage after that.

Mr. Andrew Rempfer, a renowned employment lawyer, notes that providing ongoing health insurance coverage for an ex-spouse is very important to put into serious consideration when formulating the divorce decree since in the case of an employer sponsored health plan, it could be providing COBRA coverage only, something that generally costs around 102% of the total cost of premiums, and will generally expire after 3 years.

At times, the party who has the insurance coverage will maliciously delete the soon-to-be ex-partner from the insurance plan months before the decree of divorce. Note however that if the spouse does that in a company setting that has over 20 full time employees, the company could be violating federal and state laws for mandating an employee to maliciously delete a spouse from a health care plan before the decree of divorce.

Still on point, if a spouse goes ahead to cancel health insurance coverage in the process of a divorce proceeding, and the other spouse who relies on the medical coverage goes ahead to incur medical costs, the law could argue that the medical cost incurred in the process of the divorce, and before a signed divorce decree as a result of a malicious spouse cancelling the medical coverage, the debt could be paid by the cancelling spouse. Whatever medical costs are incurred before divorce is finalised, even if the other spouse is in charge of the coverage, would be their sole debt.

As for the kids, the courts decree ought to make clear and set clear regulations as to which spouse will carry the responsibility of providing health care coverage for the kids. State law states clearly that parents ought to provide health care insurance coverage to their kids before, during, and after divorce. In a perfect case scenario, children ought to remain in the employer-sponsored health care plan.

Posted by: Georgi 

Shopping for the perfect health insurance for your family could be one of the most daunting tasks you could ever do, no wonder most people will leave it as the last point in their to-do list. It is important to realize that shopping for a health insurance plan should be a number one priority as an unwise decision could cost you a lot. The following tips will help move this low-priority in your life to top on your list.

First and foremost, just how important is it for you to remain with your current medical practitioner? Perhaps one of the most critical questions that will guide you when choosing a health insurance plan for your family is how happy you are with your current practitioner. If you are happy, you should then establish the network they are in so you can be certain the health insurance service provider that you are considering has coverage in your doctor’s clinic and stuff. If you are after a short-term medical insurance cover or a high deductible one with options of up-front out of pocket expenses, rest assured you are better off with your current service provider. If you are not sure whether your doctor’s clinic is covered in the network, simply contact them for more details.

The second important tip is to consider the amount it will cost you for a year, the amount of out-of-pocket expense you can raise, whether there are any deductibles involved, whether there is co-insurance, and such things as co-pays. These are very important questions to seek answers for so you can be able to clearly understand the cost you will be expected to pay by the end of the year. The best way to establish this is to compare the current year with the past one, how often did your family visit a doctor? What were the reasons for the visit were there any specialist visits?

Still on point, you should factor in the amount of deductible that you can comfortably pay. Deductible is basically the amount of cash you can raise each year before your insurer pays the remaining amount in your claim. Note that your co-pay i.e. the amount of money you pay to your doctor for each visit is channeled towards your annual deductible. After you raise your deductible, note that you will go on paying a certain percentage for each bill, otherwise known as co-insurance, until the day you will meet your annual out-of-pocket amount. This is the reason why you need to consider the amount of money you will be comfortable paying out-of-pocket every year.

The last thing to factor in is whether the insurance plan covers prescription drugs among other services. Establish the kind of services the policy covers and whether or not there are limits on the number of days your insurer will pay for the mentioned services. With that being said, you should create a detailed list of services that are important to your family, such as surgery, immunizations, prescription drugs, well-baby clinics, etc. Needless to mention, you should compare each health insurance plan with the services being offered, the plan that covers most of what you need at the most affordable rate could just be the one for you.

Posted by: Georgi 

The idea behind health insurance came into being back in the 1930s when Blue Cross introduced something that was then known as pre-paid hospitalization. After that, Blue Shield came into being after its success with the proposal. The rising cost of treatment and medication, and advancement of the health care sector also saw a need for health insurance. The following are the general health insurance plans available today.

1. Fee-for-service health insurance plans
Otherwise referred to as traditional or indemnity health plan, in this type of health insurance, you are at liberty to visit any hospital in the United States of America, or even change your doctor any time. You will then be expected to be paying a fixed monthly premium charge and each year you should be able to pay a fixed amount payable as your medical cost; this is known as a deductible. In this case, you are committing to pay with the deductible an agreed upon amount of cash and the remainder of your medical cost will be paid by your insurer. Once you meet your deductible, your health insurance service provider will start to send a customary bill percentage.

2. Managed care plans
This is the second type of health insurance plans available today, which is further categorized into 3. Most of the plans under this group have low premiums; they accept co-payments, the total amount of money allocated during the health insurance service period. You need not file up any claim forms with this plans as they cover both preventive and serious health care cases and illnesses. Types of managed care plans include:-

a. Preferred Provider Organization (PPO)
If you go with this type of managed health care insurance plan, you agree to use the doctors and hospitals listed within the service provider network that is if you want to get yourself insured. By visiting the listed hospitals and using the services of the listed medical practitioners, you will make it easier for your medical bills to be paid in full and on time. If on the other hand you opt to use your service providers, you shouldn’t blame yourself if your medical bill comes knocking on your door by the end of the month. You will be expected to offset your medical bills out of pocket.

b. Health Maintenance Organizations (HMO)
Just like in PPO, your service providers are only limited to those listed on the provider network. However, HMO is very flexible as it will cover a wide gamut of medical expenses immediately you pay a negligible co-payment.

c. Point-Of-Service Plans
Under this managed health care plan, you can seek the services of a doctor not listed in the provider network, but only if you are referred by a doctor who is already listed there. In case you use the services of a doctor who isn’t listed there, while the medical expenses will be paid in full, you will be expected to pay a co-insurance i.e. a guaranteed percentage of your total medical expenses.