 There are many insurance products out there that you can benefit from. Some of the most common that people are aware of are health insurance, car insurance, and life insurance. But there are other valuable insurance policies that you may not think about or be aware of. Here are five insurance products that you didn't know you needed.
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Covered California has tentatively selected 11 health insurance companies to be available for enrollment starting Oct. 15, 2018, for coverage that begins on Jan. 1, 2019. These health insurance companies will offer quality health care to millions of Californians in the individual market while providing consumers meaningful choices of affordable plans in every region of the state. More than 96 percent of consumers will have at least two health insurance companies to choose from and 82 percent of consumers will be able to choose from three or more insurance companies. Quality providers such as Hill Physicians, UCSF Health and others remain available in 2019. In addition, consumers have access to 91 percent of the general acute care hospitals in California through Covered California plan networks.  Health Insurance Companies Selected for 2019
1. Anthem Blue Cross of California 2. Blue Shield of California 3. Chinese Community Health Plan 4. Health Net 5. Kaiser Permanente 6. L.A. Care Health Plan 7. Molina Healthcare 8. Oscar Health Plan of California 9. Sharp Health Plan 10. Valley Health Plan 11. Western Health Advantage These health insurance companies represent a mix of major insurers and smaller companies, regional and statewide doctor and hospital networks, and for-profit and nonprofit plans. They deliver exceptional value and choice with affordable premiums, a wide choice of benefit levels and good access to doctors and hospitals in all areas of the state. Our services are FREE & CONFIDENTIAL, let's review your current coverage and prepare for 2019!  Every year, everyone has to update their health insurance. It is inevitable and many people dread having to decide which plan they should go with for the following year. There are so many variables, and cost is one of those variables. The cost of the health insurance plan can vary depending on the size of the deductible.
Because the insured will be responsible for a larger amount of their initial care at the beginning, a high deductible plan will have a lower premium each month. The deductible can range from $1,000 or more depending on the size of the insured’s family. The money paid out for the deductible will end as soon as the limit is reached for the plan. If the insured decides on a high deductible plan, they maybe be eligible for a Health Savings Account. This account allows the insured to set aside a certain amount of pre-tax dollars for medical expenses. Sometimes an employer will also contribute to an employee’s Health Savings Account. A low deductible plan means that the insured will pay less for medical care when they visit a doctor, but their premiums will be much higher every month. Most of the time with a low deductible plan, the insured is paying a co-pay for each visit to the doctor and these co-pays will need to be paid throughout the year. It is usually best to estimate the medical costs for the following year before signing up for a plan. A person should make a list of all of the routine and necessary appointments plus prescriptions and then add on a few extras just in case. Next, add up all of the expenses including the premium for a high deductible plan and then for the low deductible plan and compare them. A low deductible plan has the potential to cost twice as much per month than a high deductible plan, depending on how often the medical insurance is used. A high deductible plan is usually best for people who are healthy and do not have children. Low deductible plans are always best for people with chronic medical issues and children. Health insurance is necessary and it is not something that can be ignored. Every person needs to look at the information carefully and make the best decision for themselves and their family.  Well, what can you do about health care promises made by politicians? However you cut it, you might need to find your own way to finance high-cost medical procedures. Take control of your health care bills by finding a creative funding source.
Expensive Medical Bills Many costs are rising; but, healthcare costs are rising faster than the average. Cosmetic surgery, dental work or LASIK might be necessary high-cost medical procedures. If you have no health insurance, you are not alone. In 2017, CNBC reported that 11.3% of American adults lacked health insurance coverage. Aren't there any groups or businesses that can help you out? There are many charitable organization and government programs that can help you put a dent in high-cost medical procedures so that you can cover the rest. Here are some other ways to pay those bills. Health Savings Accounts (HSA) The primary goal of HSAs is to provide tax deductions for funds that will be used to pay for medical procedures. Now, might be the time to tap into your healthcare account. Obviously this isn’t the option for those who need immediate help, but as with many things in life, preparation goes a long way. No one expects to get sick or need medical care, but everyone does at one time or another. That’s why it’s important to set up a HSA or something like it well in advance. Disability Insurance If the reason why you're getting this expensive procedure is because you suffered a disabling injury, then disability insurance can help cover your procedure by compensating you for lost income, which is a big part of recovery costs. Other types of insurance, like auto insurance and workers compensation can also help, depending on the nature of the injury. Also depending on the type of insurance and degree of coverage, insurance may be able to cover the entire expense. 401(k) You could tap into your 401(k) plan. The government allows you to withdraw a certain amount of money without a penalty. Read the fine print of your 401(k) plan to see the terms and conditions. It’s critical that if you’re thinking of tapping your 401(k) you understand what goes into that process. You need to talk to a financial adviser if you’re wanting to do this since it’s very easy to do it wrong and you could cause problems for your financial future. There are also ways you can tap into your 401(k) without causing any problems, and speaking with a financial adviser will help you navigate those tricky waters. Peer-to-Peer Lending You could also go to a peer-to-peer lending organization. Unlike crowdfunding services, these peer-to-peer funds are personal loans. These sites offer unsecured personal loans which are great for people who have issues with banks or other lending services. But just like any other lending or loan service, you will be required to repay the amount you borrowed plus interest. This isn’t a long term solution, but can help you overcome bills that are due immediately which you will pay back later. HELOC Another intriguing possibility is to take out a HELOC of a Home Equity Line of Credit. You might have built up a significant amount of home equity and wouldn't high-cost medical procedures be one of the best ways to spend this money? A nice feature of the home equity loan is that the interest you pay is tax-deductible. Other Financial Options There are other special options to help you pay your medical bills. Most hospitals will have social workers who have access to special government programs. You can talk to the hospital social worker to create a payment plan. Since their job is to help patients and those in need receive the financial help they require they know a lot of information on how to make the system work for your benefit. If you’re a military veteran, you might have some additional options not available to other citizens. Because of your service and determination you might have the option to look into VA refinance options for your home loan that can allow you gain a substantial amount of money to help cover costs. You can try to set up a project on crowdfunding, peer-to-peer lending, use HSA accounts, take out a loan, or see if the hospital can help. High-cost medical procedures might save your life. Hopefully, you find ways to finance high-cost medical procedures, so you can enjoy a long, healthy, productive life. If you’re wanting some financial or insurance help make sure to get in contact with us!  If you've been thinking about investing in your smile, congratulations! Your smile matters, which is why receiving regular, consistent dental care is essential. For some adults, choosing a dental insurance plan can be tricky, but there are a few things you need to know. The right plan can make an incredible difference in your life and can help ensure that you receive regular treatment that contributes to the longevity of your teeth and your smile.
Regular Treatment It's important to visit your dentist on a regular basis for cleanings and x-rays. Your dentist will create a treatment plan based on the current state of your teeth. According to dental services, new technologies are able to detect dental concerns at early stages, treat your dental issues with precision, and provide stunning and customized restorations. They will then let you know if you need any fillings, implants, or crowns placed on your teeth. Most patients should visit the dentist at least twice a year for cleanings and checkups. This helps prevent problems from developing. Insurance One of the most important things adults can invest in is dental insurance. While dental insurance often assists with the cost of preventative treatment, note that insurance can also offer coverage during emergencies. Accidents can happen to anyone at any time, which is why it's important to choose a dental coverage plan that lets you prepare for this. Should you need emergency treatment, a dental implant, or even a crown, your dentist can offer you these treatments and your insurance will help cover the cost. Selecting a Plan Dental technology has come a long way and focuses heavily on preventative care, as well as care designed to give you a great smile. A strong smile can drastically improve your self-confidence, which is why much of modern care focuses on using technology to make you feel great. When you choose a dental care plan, make sure you choose something you're comfortable with, and that offers the specific coverage you need to get the smile you've always wanted. If you have questions about dental coverage or plans, don't be afraid to reach out and ask the questions you need to make a decision and move forward. You deserve to have a smile you feel great about, which is why you should consider getting a treatment plan that offers emergency coverage, as well as protection for restoration treatment. Don't wait to get the help you need to develop an amazing smile. Reach out today to find a plan that works for you.  Genetics is one of the factors that determines how long you are going to live. Although you cannot do anything about your genetics, a healthy lifestyle can help extend your life. On the other hand, there are unhealthy habits that can take years off of your life.
Smoking and Drug Abuse Smoking can increase the risk of heart disease and cancer. In fact, an estimated 75% of all oral cancers are caused by habits like smoking. Even if you only smoke occasionally, you can still be doing serious harm to your health. If you quit smoking, then you can add 10 years to your life. In addition to smoking regular cigarettes, it's important to understand that other forms of drug abuse can also have long-term consequences on your health and longevity in life. Recovery from addictive drugs like heroin is often a lifelong struggle. Drug abuse is incredibly hard on your body and can even be deadly. If this is something you struggle with, then addressing it now will go a long way toward improving your long-term health. Drinking Too Much Small amounts of alcohol are not likely to harm your health. However, if you drink too much, then you can take years off of your life. You should not have more than three alcoholic beverages per day. Alcohol can cause liver problems, heart disease, high blood pressure and obesity. Sitting Too Much Studies have shown that sitting for more than three hours per day can take two years off of your life. Even if you exercise regularly, you can still harm your health by sitting too much. One study showed that people who sat for more than 11 hours per day were 40 percent more likely to die within three years. There are things that you can do to protect your health if you have a sedentary job. You can get a stand-up desk. You also want to make sure that you get up and walk regularly throughout the day. Being Anti-Social Even if you do not smoke, drink or sit too much, you can still be harming your health if you are anti-social. Studies have shown that people who have weak social connections are more likely to die prematurely than those who are more social. In fact, one study showed that being lonely can be just as bad for your health as smoking 15 cigarettes per day. Another study showed that elderly people who had strong social connections were 22 percent less likely to die. They also had healthier brains. Your genetics are not the only thing that influence your lifespan. You can add years to your life by changing your lifestyle. Not smoking and limiting your alcohol consumption will add years to your life. You will also need to make sure that you maintain an active lifestyle. Additionally, it is important to have an active social life. Remember, you genetics do not control your destiny., You can take active steps to insure that your body will be happy and healthy for years to come. Part of that is having adequate medical care and medical overage. Contact George Beach insurance services today to learn more about our health insurance programs. References: Baines Dentistry | Oral Cancer Screening Dr. John Day | 4 Bad Habits that Shorten Your Life 18 Years Huffington Post | 11 Things You’re Doing That Could Shorten Your Life The Recovery Village | Heroin Addiction Treatment & Rehab  America is facing a rampant increase in the problems of obesity, and more and more people are being put in a position wherein they have to seek medical treatment for their weight gain. Weight loss surgeries have come a long way since they were first introduced, and today, patients have access to a wide range of options that can help them get the body that they want.
Because of the potential risks that one faces when entering the category of obesity, the medical industry identifies this as an incredibly severe condition, which is why doctors are quick to recommend some remedial measures to take care of the problem that one might be facing as a result of excess weight. However, not all insurance companies share this common opinion about weight loss surgeries, and sometimes they tend to impose harsher restrictions on the coverage that one can get for weight loss surgeries under their plans. Getting Health Insurance Gaining good health insurance is an absolute necessity in today's world because of the ever-growing cost of health care in the country. Prices for checkups, medications, and more are skyrocketing. People are consistently put into a position wherein they have to rely on their health insurance provider to be able to cover the costs of any treatment or surgery that they would need. For life-saving treatments, in particular, having health insurance can be the difference between someone getting the care that they need and someone not being able to afford the cost of the treatment. Weight Loss Procedures Commonly Covered By Health Insurance When it comes to weight loss procedures, there are four main kinds that health insurance providers are ready to provide coverage for. These include the Sleeve Gastrectomy, Gastric Bypass, Duodenal Switch, and Lap-Band. Usually doctors will recommend one of these four options for a patient to go in for, depending on their individual needs. However, there are certain instances in which other procedures may be offered, which is mainly in severe cases. In these instances, the health insurance company is the one who can decide whether or not they should provide the insurance. Coverage Based On Type Of Insurance In America, the coverage of a weight loss surgery is mainly dependent on the company that you are getting the insurance from, and the kind of health insurance that you are opting to go in for. There are a number of plans that are usually offered to customers, and it is essential to know what these plans entail. Family Insurance Under the Affordable Care Act, insurance companies in twenty-three states in the United States are required to pay for the patient's weight loss surgery as part of the insurance coverage that they have opted to go in for. As a result, a person who is in possession of some individual or family insurance can go in for the weight loss surgery without having to worry about the expenses not being covered by their provider. Typically, when one is trying to get weight loss surgery, the hospital or clinic is the one who will contact the insurance company about the procedure recommended by your doctor, and after that, they let you know if your operation is covered by insurance. You can also contact the insurance company themselves to know whether or not the plan that you have is covering weight loss surgeries. Employer-Funded Insurance If the company that you are working with offers you some kind of health coverage, and you are within the twenty-three states, there is a high chance that you will be given the coverage for the surgery that you want to go in for. The process for this is similar to what we mentioned for family insurance, which is that either the clinic will contact your insurance provider, or you can do so yourself. When it comes to employer-provided insurance, however, certain professional institutions may have additional restrictions when it comes to the kind of policy they offer. One of the best ways to be sure of this is to contact an HR personnel within the company that you are working with to understand whether or not you can get the surgery that you need. Smaller companies are less likely to cover weight loss surgeries as compared to larger companies, which is also something that must be taken into consideration when relying on the insurance offered by your workplace. References: https://www.fairhealthconsumer.org/insurance-basics/healthcare http://www.baybariatrics.com/procedures/sleeve-gastrectomy https://www.horizonblue.com/providers/news/news-legal-notices/prior-authorization-procedure-search-tool-available |
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