Short Term Medical Insurance is temporary health coverage that can be purchased for intitial periods of 30-185 days and renewed on a continuous basis. Ideal for people waiting for employer group coverage, people between jobs, recent college graduates, etc… Recent Statistics indicate 41.2 million americans do not have health insurance! (US Census Bureau)

Extremely competitive rates.
Coverage as early as the next day.
Freedom to choose doctors and hospitals.
Prescription drug coverage included – no additional fee.
Coverage to age 64 and 11 months.
Satisfaction Guaranteed – 10 day free look.

Individual Medical Insurance is designed to fit the needs of individuals and dependents on a long term basis. Most plans are set up to utilize a company’s Preferred Provider Organization (PPO) and most clients are interested in:
1. Office Visit Co-Pay
2. Prescription Drug Benefit
3. Coinsurance Limit – 90/70%, 80/60%, 70/50%

Please review the following three carriers:
Blue Cross Blue Shield – variety of plans and a very broad network
Humana – competitive rates, telephone enrollment process.
John Alden – large network, competitive, can set up HSA account.
Unicare – usually the lowest cost plan, good network, excellent service.

TWO WAYS TO GET QUOTES:
1. Click on the appropriate company logo below:
a. Review the physician network (to see if your doctors are “in network”),
b. Obtain premium quotes on the carrier’s web site, and
c. Print an application to complete and fax to our office , or
2. Email us your information and we will generate the quotes for you. (See comments box below – we need your name, address, age, and smoker status)

Once a coverage plan is selected an application is completed and submitted to the carrier. The underwriting process can take as long as 30 days. If you need coverage immediately, buy Short Term Medical coverage and be covered tomorrow.

The underwriting process will end in one of four ways:

1. Application is approved as submitted.
2. Application is approved with an increase in cost and/or coverage riders. “Riders” are coverage exclusions that can be attached to the policy for a variety of medical conditions – based on your application.
3. Delayed or postponed usually means the carrier is waiting to obtain additional information and has closed your file until that information is available.
4. Declined: Although approximately 75% of all applications are approved there are certain medical conditions that are not insurable. Carriers usually have an appeals process where alternate options can be explored.

Many changes have occurred in the medical industry. Government funding is being reduced and many times we face out of pocket expenses when we visit our doctors.

Many people seek alternatives to traditional medical procedures from Naturalpath to Chiropractic services which may result in out of pocket expenses.

Group and individual health insurance can reduce the cost for these and other medical, dental and prescription expenses.

These plans can be tailored to the specific needs of companies and/or individuals.

By requesting competitive quotes from a variety of companies, we can ensure that the cost of your individual or group insurance plan is as low as possible.

Give us the opportunity to earn your business. You won’t be disap

International medical insurance can make the difference between a travel inconvenience and a travel nightmare. Illness and injury are bad enough at home, but in another country where the language and the medical system are unfamiliar, getting help can be tricky. Your international medical insurance, can help you obtain medical care in a country that may not cover foreigners–and it may save your life.
By reviewing the following information you will:

Understand the importance of international medical insurance.
Learn the different areas of protection provided by travel insurance coverage so you can choose the plan you need.
Learn how to get online quotes for International Medical Insurance.

Why international medical insurance so important?

Regardless of what you may consider to be short-comings in the U.S. healthcare system, getting good medical attention in some parts of the world can be very challenging. Some hospitals won’t provide any treatment and others won’t discharge you without a guarantee of payment. Travel insurers, in conjunction with assistance providers, commonly provide these guarantees which are rarely offered by other insurers or managed care plans. Without travel medical insurance, you’ll have to pay in advance. This may amount to tens of thousands of dollars! Of course, the hospital must accept foreign credit cards, and your card must have a sufficient credit limit.

An then, there is medical evacuation! If you must go where there is higher quality medical care, or to return home where your regular insurance is accepted, it can be very costly. Medical evacuations are tricky to arrange, especially from remote areas. There are some air ambulance providers who should be avoided, especially if they have financial ties to local authorities. A part of your travel health insurance should include a medical evacuation benefit. It gives you around-the-clock access to evacuation assistance with a creditable evacuation company, or help getting appropriate treatment locally.

The assistance company will also be available to help with other travel related problems such as legal troubles, lost passports or credit cards, etc. Emergencies are rare but everyone should have a contingency plan.

If you have health insurance in the U.S., the first step is to check with your insurance company and establish what kind of coverage you would have while traveling. If there is any uncertainty, consider obtaining international medical insurance for your trip. The coverage can be as little as $3-4 a day.

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The odds are 1 in 4 that a disability, whether from illness or accident, will strike any of us prior to age 60. The average duration of the disability is 8 months. The question we need to be asking ourselves is, ‘Can we afford to be off work for that length of time without a paycheck’? If you answer no to this question, you may want to investigate the coverage.

Another form of disability protection is called Critical Illness. This product pays a lump sum of cash in the event you develop a covered condition. Heart attach, stroke, cancer, paralysis are examples of the 18-23 covered conditions.

Both products will give a refund of premium if are claim free. This makes the cost of these insurance products equal to the interest you might earn if the money was invested.

Feel free to contact me for more information or a quote.

Welcome to the Health Insurance Zone. We are you one-stop resourcer for affordable health insurance news and resources. Get your free insurance quote today and be shopped out to hundreds of insurers. Our low cost insurance options are here to fit the needs of just about everyone. Check out our health insurance partner today.

Health care costs are on an all time high. Take care of your future with a good health insurance plan. We offer Medical Savings Plans, PPO’s, and HMO’s. Get a PPO for the cost of most HMO’s through us. You can pick the doctors you want to see and are not bound by a network. Get peace of mind today and fill out the free online insurance quote.

Our partners offer the lowest cost premiums. Whether you are self employed or not, we can find your insurance premium that fits your budget. Our underwriters have been doing this for years and are good at what they do. The insurance companies are bonded and nationally known. Get your free quote today.
Health Insurance For Self Employed

Being self employed is both rewarding and demanding. Heath insurance is one of those benifits most of take forgranted when employed. Our partners offers special group like plans for individuals and their families that are self employed. Insurance does not have to be a problem. Most find it hard to find a good plan. That is exactly why we are here. We will help you find the plan that is right for you.
Health Insurance Portability and Accountability Act (HIPAA)

The HIPAA was put into place in 1996. This act was to prevent people from having to be locked in their jobs due to health insurance. The major provisions of this act allow you to switch jobs and group plans without being singled out for pre exisiting conditions. Basically it states that if you have been continously insured with a ceritificate of credible coverage then you can get into another group plan without being singled out for conditions that occurred while insured.

If you are considering self employment, this act is a life saver and will save you hundreds if not thousands of dollars in health insurance premiums. Let’s say you or your wife was diagnosed with diabetes while covered on a group plan. If you leave your job, this act protects you against being singled out for this when looking for a new group policy. Basically, this plan is there to keep you from being enslaved to your job for insurance purposes.