I read an interesting article the other day concerning the manner in which to appeal claims with an insurance company. The most remarkable piece about it was that reaching out to the company’s chief executive officer can be an effective method to get legitimate and qualified medical expenses covered. The article did however outline that proper steps need to be taken before you decide to take your problem straight to the top, so I thought that I would share those with you.

Read the full post on Appealing Health Insurance Claims.

Currently it appears that the government sponsored public option is losing steam as the health care reform debate continues. Individuals are finally starting to realize the dangers of a government run public option, and instead are beginning to propose that health care cooperatives (co-ops) may be a better option for the country. Co-ops are nonprofit organizations that function to provide coverage at a lower cost for their members- the idea being that consumers will get together and create a product at competitive rates. In addition the clients are able to elect the members of the governing board. So the question is whether or not establishing a health care co-op is really going to remedy our nation’s health care problems.

Read the full post on Is A Health Insurance Co-op A Viable Idea?.

This video takes a look at the what the difference is between a Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO). This is often confusing for people who are looking for health insurance and want the best options. HMO and PPO plans are completely different and each one may have it’s advantages when it comes to your life. In this video we take a look at each one of these types of plans to see which one may be the best option for you right now.

An option many employer benefit plans are now offering is the High Deductible Health Plan, or HDHP. This health plan is coupled with a Health Savings Account (HSA). The purpose of this plan is to allow for more flexibility of benefits while providing a means of saving for health-related expenses. This health plan option is gaining popularity with employers.

As the name indicates, the HDHP has an annual deductible which is higher than traditional health plans. In 2009, for single coverage, the deductible is a minimum of $1150, while for family coverage, it is $2300. For 2010, the deductible will increase to $1200 for individual and $2400 for family coverage. The annual maximum out-of-pocket expense will also increase to $5950 for single coverage and $11,900 for family. This is an increase of $150 and $300, respectively.

Read the full post on Changes in High Deductible Health Plans for 2010.

The effects of teenage obesity lasts well into adulthood even if the person slims down as an adult. According to a study in the New England Journal of Medicine, adolescent obesity was a bigger predicator of illness than being overweight as an adult.

Making sure that you understand what your health insurance policy covers is extremely important because you are not only protecting your health, but also your financial situation. Too often our Advisors at MyInsuranceExpert.com hear horror stories from clients who did not understand their insurance policies, and then found themselves in trouble when going to use it. The best way to protect yourself from this situation is knowing what questions to ask when buying health insurance.

Here is a list of questions that will help you find the insurance policy that is right for you:

Read the full post on What Questions Should You Ask When Looking For Health Insurance?.

The National Center for Health Statistics released a report of health insurance trends for 1959 – 2007 on July 1, 2009. The data was collected through the long-term National Health Survey Interview. The report tracked trends of those who are under 65 years of age who may or may not have had health insurance coverage.

Read the full post on The National Center for Health Statistics Report.

No matter the type of health care insurance coverage you have, it is important that you review your policy provisions. If you don’t have a copy of your policy, you can either review the provisions online or request a new copy. Your policy will explain the terms of coverage, define policy language, outline coverage and exclusions. If there is anything that you do not understand, you can contact the plan administrator’s customer service department and they will help you decipher that which you may not grasp.

Read the full post on Reviewing Your Coverage.

Most of the time, X-rays are necessary, but it is up to the patient to question their use. Overexposure can produce sterility, birth defects, and the development of cancer in certain sensitive tissues.

This video explains a common occurrence with people who are in between jobs and planning on getting health insurance when they get the actual job. Doing this could be setting up those people for a disaster.

The video explains what type of health insurance should be bought in between jobs, even when a person knows they will have health insurance through an employer in 30 days. It also looks at why health insurance is so important to have at all times, even when you are planning on getting insurance in a couple weeks. Do you really know what will happen in those few weeks without health insurance?