Short-Term Health Insurance
Dental Insurance
Group Health Insurance
Family Health Insurance
Student Health Insurance

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Short-Term Health Insurance

The short-term health insurance provides health coverage for a short period, commonly 6 months to one year. This health insurance can be considered as a great option for students and temporary workers who are not able to avail the full health insurance policies. This can be much favorable economically as compared to long-term coverage insurance plans.

Having a short-term health insurance plan can bring you several benefits that would perfectly fit your budget. The main advantage of getting this type of health insurance is that you can easily avail this insurance policy without having to pay high cost premiums. The short term insurance policy does not cover pre-existing illnesses as compared to the long term insurance plan. This makes the insurance policy much affordable and less risky. Since these policies only cover for just a year only, there is a lesser chance that anybody will get sick. Only few people are making claims in such a policy, which also contributes to the affordability of the insurance plan.

Types of Coverage for Short Term Health Insurance

There are two main types of offers within short-term health insurance plans. Firstly, the PPO plan is the managed care policy that provides the insurance holder to access health services included in the program. This insurance offer enables easy access and discounts with a huge network of clinics, hospitals as well as doctors and specialists.

The second type of offer from short-term health insurance plans is the FFS plan. This is much different from the PPO plan since it allows the insurance holder to be covered for the medical service. There are no specific providers for this insurance policy. The person availing this insurance policy has the freedom to select from any provider as long as it satisfies the terms and conditions of the FFS plan. However, the flexibility of this plan makes it much more expensive than the PPO type of insurance plan.

Eligibility for the Short Term Insurance Plan

There are several conditions to become eligible for the short-term health insurance policy. People who are not more than 65 years of age and do not have any denied health insurance in the past are eligible for the insurance plan. In addition to these conditions, the applicant should not be covered with any other health insurance plans. Having another health insurance policy would forfeit your chance to avail a short term insurance policy. You should also be aware of the physical specifications for this type of health insurance policy such as height and weight if you are planning to avail the insurance services of the short-term health insurance plan.

Dental Insurance

For many people, dental care is usually considered marginal that can be cut when necessary or when the budget does not allow it. This is because in a year, an average of $300 is spent for such. But for some people, especially to those who have dental problems, dental treatment is necessary. It is in this circumstance that they look for alternatives in order to pay for such expenses. This is where dental insurance policies come in. But since we already have something as good as this, even people without immediate dental care necessities can take the opportunity of having a policy. After all, dental care should be done on a regular basis to keep your teeth in shape. The different insurance policies that you may choose from are as follows:

Indemnity Plan

In most insurance policies, the company chooses the dentists or doctors who will oversee all your medical needs as covered by the plan. But when you avail of an indemnity dental insurance policy, you may be able to select a dentist of your choice. The plans that are under this category are usually fee-for-service that comes with co-payment options and certain limitations. This requires you to pay a certain fee for every dental visit, but there is an annual limit for your spending. The dental procedures, however, might have specific coverage details.

Self-Insurance Plan

Like the indemnity plan, a self-insurance plan has specific limitations and coverage on the dental treatments and procedures done per annum. However, in this plan, you are not allowed to choose the dentist who will carry out the dental treatment that you need.

Capitation Plan

A capitation plan indicates that the dentists for your dental treatments posses contracts of payment. This payment contact indicates that the dentists are being paid regardless of your dental treatments or procedures.

Closed Panel Plan

With a closed panel dental insurance policy, your choice of facilities, as well as the dentists available to you is limited. This means that the plan points out which particular group of facilities and doctors are allowed for your dental treatments or procedures.

Direct Reimbursement Plan

This plan is usually used by employers as one of their featured benefits for their employees. For every employee that receives dental treatment, they reimburse the total amount.

Dental Care Service Plan and Preferred Provider Organization (PPO)

Under the dental care service plan, there is a group of dentists under a non-stock organization that provides dental services for a specific price, while under the PPO, dental services can only performed by a group of dentists who can accommodate reduced dental fees.
Features being covered by a dental insurance policy vary and they are priced accordingly. The plan may not match your needs. If this is the case, you will be asked to pay for the difference as an added expense. Cosmetic dental care is usually not included in a typical dental insurance policy as this can be classified as a specialty service. If you are planning to avail of a dental insurance policy and it seems that you might need cosmetic dental care as well, you can always ask the insurance company about the possible inclusion and the corresponding fees.

Group Health Insurance

Health insurance is a coverage that will pay for the medical expenses of an insured individual. This is an investment because an individual will be able to pay for any medical expenses in case that they get ill. Due to this, many individuals are taking health insurance so that they wouldn’t worry in case they get sick. Usually, the health coverage is provided through government sponsored social insurance program. This type of insurance can be purchased by an individual or by group.

Group Health Insurance

There are different pros and cons with the type of health insurance that you will avail. Usually, the company provides the group health insurance where you work. Furthermore, the registration to this kind of insurance is simple and easy. Usually, you only need to provide information such as your name, address, and any contact numbers. Moreover, you will also need to provide the name of your dependents. In addition, your employer can cancel the group insurance if you are terminated from your work. This means that you will not be covered in case you get ill.

Individual Health Insurance

On the other hand, individual health insurance is permanent unlike the group insurance. This means that you will still have coverage in case you are laid-off from your work. Furthermore, there are more options for you if you avail an individual health insurance. You can opt from different insuring companies unlike the group health insurance that will insure you on one company. On the other hand, if you opt for an individual insurance, your coverage can be void in case you don’t pay the insurance premiums on the designated time. The insurance can also be void if the information you gave at the insurance company is falsified. Furthermore, the processing of an individual health insurance is lengthy and there is no guarantee in its approval.

Why Opt For Group Health Insurance

There are different reasons why it is best to avail insurance with a group. Besides the fact that availing a health insurance is guaranteed, you are also sure that the annual rate of the insurance has a guarantee. Furthermore, the company where you work will cover most of the premium in your health insurance. There are also cases when you don’t have to pay anything at all because the company will cover the whole expense for the premium of the group’s insurance.

The Edge of Having a Group Health Insurance

You are entitled to a group insurance even if you have an existing illness or have a history of an ailment. In contrast to an individual insurance, you will be able to avail a health insurance without any testing. You will only need to inform the insurance company about your health status.
Furthermore, it is best to avail a group health insurance especially if you have a stable job and that the company where you work provides full coverage of the insurance. Once, you are retired or that you get ill while in service, you will be covered by the health insurance that the company will provide for you.

Family Health Insurance

There are different methods that you can use to avail a health insurance for your family. All you have to do is to know the requirements when enrolling for a family health insurance. The methods that you can use have different requirements, which is why it is important to know where to apply for health insurance.
Means that you can use to get health insurance for your family:

Family Health Insurance from the Employer

One of the best ways to get health insurance is through your employer. It is much easier to apply for health insurance if your employer provides it for you. Usually, the insurance company will only require few things from you. When enrolling for family health insurance, it is important to know which family members that you are going to add in your health insurance. It is not possible to enroll one of your family members at once, which means it is important to know when the company will conduct a health insurance enrollment.

Private Plan Family Health Insurance

Unlike the health insurance that you can avail from your employer, there are different things that you must consider when planning for a private health insurance plan for your family. The requirements of the health insurance differ depending on the state where you reside. Some insurance companies are selective when it comes to individuals that are applying for family health insurance. There are cases that the insurance companies do not approve family health insurance application. The reason for this is that most of the family members of the applicant can apply for their individual health insurance anytime they want. Because of this, not all families are approved for family health insurance. Furthermore, they still grant family health insurance but not all of the family members will be insured.

Family Health Insurance from State Program

If your family has lower income than other individuals do, you can take advantage of the Medicaid program, which are usually available in every state. Commonly, families that are below the federal poverty level are qualified to get full benefits from Medicaid. On the other hand, there are state programs that will provide health insurance to children, disabled, and pregnant women even if they are from families that the income exceeds the poverty level. However, not all families that have low income are qualified to avail the benefits from Medicaid. Moreover, you can still avail other state sponsored program if your family is not qualified to get health insurance from Medicaid.

Student Health Insurance

Most of the college students of today feel that they are at the peak of their health and that any expenses for health insurance are unnecessary. However, according to health officials, having a health insurance is a must in college students. This is for the reason that most of them are exposed to bacteria and viruses especially those living in dorms and those that have a course that involves handling and studying harmful substances. Because of these reasons, nobody knows when a student can get sick and will need medical care.
Having a student health insurance can benefit the student by lessening the expenses used in medical care. Although, there are school clinics that usually care for the student’s health, these clinics usually cannot handle serious cases of illness. In addition, school clinics usually do not have the needed equipments for proper health care. Therefore, the student would still have to rely on hospital or other medical institutions for serious cases.

Tips on College Student Insurance

If you are a student and you are now planning on availing insurance to ensure your health safety while you are studying, there are many options available for you. Nevertheless, before you make any decision, here is a list of the things that you may want to consider in student health insurance.
- College health insurance is cheaper than commercial insurance – This is because a student usually does not file many claims on the provider, which is different when it comes to the general public. In addition, because these are only temporary insurance and would only be used for a certain period of time, these insurance policies are offered cheap.
- College health insurance has less coverage than commercial insurance – This is only natural that is why the insurance is much cheaper than the commercial one. Do not worry, the student health insurance still covers for the basic expenses that the student may incur in health care.
- Graduate students’ insurance policies are usually more expensive than the usual college health plan – This is for the reason that most college health insurance are only for those who are still undergraduate that are 25 years old or younger. If you were doing a masters degree, it would be advisable to avail a cheap commercial insurance, since it has almost the same in price.

- You can avail public funded health insurance – If money is a great concern for you, there are publicly funded health programs that you can opt for. You just have to pass their qualifications and you will have your insurance coverage funded by the public. Another alternative to gain cheap student insurance is by availing the insurance directly from the college you are going to.

These are just some of the things you can consider before availing student health insurance. If you want more information regarding this topic, you can always visit the website of the insurance provider to get the details of their plans and the price of these plans.

At InsuranceQuoteProvider.com, Our state-of-the-art insurance quote engine delivers an accurate rating for each of the insurance companies that we represent.

Whichever city or state you live in, InsuranceQuoteprovider.com can provide you with an unbeatable quote.

Get a Fast Initial Quote with www.InsuranceQuoteProvider.com