Category Archives: Health Insurance
A Comparison of Five Pet Health Insurance Plans
A Comparison of Five Pet Health Insurance Plans
It doesn’t matter if you have already decided to purchase health insurance for the family pet or if you are simply. When you are comparing the quote of one health insurance quote to another remember that the base doller amount is not the only number you have to consider. In addition to the monthly payment make sure you also check out exactly what type of veterinary care and treatments are covered (some basic insurance plans do not include cancer treatment), what kind of deductible you, the pet owner, will be expected to pay, is there a yearly cap on medical expenses, and what type of discounts are available.
At the moment there are only a handful of companies that offer pet health insurance. Five of the most popular companies are Pets Best Pet Insurance, Veterinary Pet Insurance, ShelterCare, Pets Health and PetCare.
An insurance plan through Pets Best Pet Insurance will cost approximately .00 a month (4.00 annually). Pets Best will cover pet sterilization provided the pet owner purchases an additional wellness plan. Pets Best does not cover pre-existing medical conditions a pet has so its best to insure them early in life before problems develop. Pets Best has a life time limit of ,750 dollars per pet. Pets Best health insurance plans come with a .00 deductible. Multiple pet discounts are available. Pet’s Best pet health insurance does cover cancer.
Veterinary Pet Insurance is a company that offers pet owner a ,000 a year cap on an insurance plan that only costs approximately .00 dollars a month. Veterinary Pet Insurance offers plans with a .00 deductible (after the deductible they pay ninety percent of the bill) on plans that include pet sterilization and cancer coverage. Veterinary Pet Insurance does not accept pre-existing conditions and does not offer multi-pet discounts.
ShelterCare is a pet insurance that cost pet’s owners approximately .95. For that .95 there is absolutely no deductible and cancer treatments are covered. ShelterCare will not pay for pet sterilization nor will they cover any pre-existing conditions. ShelterCare does not have a benefit cap. ShelterCare offers premium discounts for multi-pet plans, medical service, and micro-chips.
A pet health insurance policy through PetsHealth insurance company will cost the pet owner approximately .17 dollars per month. PetsHealth covers 80% of the pets vet bill after the 0.00 doller deductible is paid. PetsHealth has a ,000 doller cap on each per year. PetHealth does insure pre-existing conditions after ninety days. Multi-pet discounts are available through PetHealth. PetsHealth does offer pet health insurance plans that cover cancer on a case by case basis.
PetCare is a pet health insurance company that estimates the average cost for a policy for a pet is .95 a month. This plan includes a fifty doller deductible. While PetCare is happy to cover the cost your pet’s cancer treatments they will not pay for any pre-existing conditions nor will they pay for pet sterilization. PetCare offers discounts for multi-pet plans and medical service.
None of the estimated monthly prices for these insurance companies include any extra insurances riders.
Any one or all of these companies can change their policies between now and the time you purchase a pet health insurance plan.
Remember to read the fine print before you sign up for a pet health insurance plan.
All five of these pet health insurance companies have their own websites where you can go to get up to date pet health insurance quotes.
There are other pet health insurance companies with different prices, discounts, stipulations, and benefit caps if you are not content with the previous five comparisons.
Be Prepared For Unexpected Accidents And Illnesses
Be Prepared For Unexpected Accidents And Illnesses
Choosing your health insurance policy can be very confusing. If you make the wrong decisions, you could end up paying out too much for your coverage, or worse, you might not be covered for certain services that you need. Read this article for some helpful tips on getting the most out of your health insurance.
When considering a new health insurance policy, learn all you can about what a deductible is and how it can affect your costs. Many policies have one. It’s basically a set amount that you will have to pay out of pocket before your coverage starts and before the insurer has to share costs. They vary from policy to policy and they have ranges. Higher deductibles can sometimes clash with coverage that has a greater percentage, but not always.
The details of a health insurance policy are always changing. That is why it is important you keep up with its changes. For example, you could go to your doctor and find out you need a procedure that your insurance will not cover. For any questions you may have, you can call your insurance company.
If you are applying for new health insurance, make sure you do not let your old health insurance expire. This does not look good at all. You can turn to COBRA (Consolidated Omnibus Budget Reconciliation Act) if for some reason your old insurance is to be cancelled before you are able to find new insurance.
Before purchasing a health insurance plan it is essential to get a copy of what the plan will and will not provide, and review it thoroughly. Do this before committing to make sure that you’re really getting exactly what you think you are, and make sure that the plan isn’t missing something that is provided by another company for a comparable price.
Take the opportunity to look at your health insurance coverage from year to year. If you have group coverage you have this option by law. If you purchase your own health insurance you may find that there is now a policy with better benefits or better rates that suit your family.
It is sometimes possible to withdraw money from your IRA and use it to pay for your health insurance premiums when you lose your job. You should contact an accountant to be sure you’re permitted to do this where you live, and to find out if there are any penalties later for doing it.
Get started with a good health insurance policy while you are still young. The reason for this is that it is harder to get good health insurance when you get older, and by starting signing up with your health insurance carrier early on, you will be able to lock in rates. Be very careful not to let your payments on your health insurance policy lapse because you may not be able to get the same rates if your health condition has changed.
As you can see from this article, health insurance is complicated, but it doesn’t have to be confusing. There are many ways that you can ensure you don’t overpay for coverage while still receiving the medical care that you need. Having read these tips, you should be better prepared to make decisions about your insurance needs.
What You Need to Know About Pet Health Care Insurance
What You Need to Know About Pet Health Care Insurance
Before you purchase a pet health care insurance plan for your pet, check the list of the companies approved veterinarians to see if your veterinarian will accept the companies check.
Ask your local veterinarian what type of pet health care insurance plan would best suit your family pet. Ask your local veterinarian to read over the plan and listen to their advice. Talking to your local veterinarian will also help you establish if the insurance company you are considering purchasing your pet health care insurance plan from is reputable.
If you have purchased a pet that is as of yet unaltered you’ll want to look for a pet health care plan that includes neutering and spaying.
Before you pay for a pet health care insurance plan you need to carefully read how the policy handles prescription coverage. Most companies that sell pet health care insurance do not include prescription coverage in their basic medical health care insurance plan. If you are concerned about the cost of any prescription your pet might need during the course of its life you should probably consider buying a prescription coverage rider to complement your pet health care insurance. Although this rider may appear expensive and unnecessary you’ll probably wish you had purchased it if your pet is ever given a prescription for anything. Just like the human counterparts prescriptions are very expensive.
One of things you need to take into consideration when purchasing a pet health care insurance plan is the deductible. The deductible is the amount of money you pay out-of-pocket for veterinarian services rendered that your pet health care insurance plan does not cover. Different pet health care plans require different deductibles. The higher a the deductible you choose the lower your monthly payments to the insurance company but the higher deductible the more out-of-pocket extension had each time you visit the veterinarian’s office/clinic.
Most pet insurance companies have “cap” or limit placed on each pet health care insurance plan. This cap varies from one procedure to the next a broken leg will probably have a different cap then cancer treatments will for your pet. Before you purchase your pet health care insurance plan talk to the company representative about waiting periods. Find out exactly how long it’ll take over the policy to be effective and how long the general wait for claims to be reimbursed is. Most companies have a ten day period between the time they receive the vet bill and when the check gets placed in the mail. Also find out how the refund is processed. Does the pet health care insurance company pay the veterinarian directly or do you have to pay the vet and the company mails the check to you when they receive the bill.
Why you have the company representative on the phone task about any and all exclusions that might be included with your pet health care insurance plan. Specifically ask about any and all pre-existing conditions and hereditary defects that might come up later in your pet’s life. Many pet owners especially, those that have dogs, discover that hereditary defects come into their particular dogs are not covered by their pet health care insurance plan. Some companies will allow you to cover these potential problems with an additional rider. In some cases your local veterinarian will be able to warn you about any exclusions.
If you are considering a comprehensive health care insurance plan ask if the plan covers teen veterinarian visits such as; dental care, immunizations, and heartworm testing. Also ask if the pet health care insurance plan also covers the office call.
How To Get Affordable Arizona Group Health Insurance
How To Get Affordable Arizona Group Health Insurance
When you’re looking for affordable Arizona group health insurance, you need to choose a group health insurance plan that either already offers the perfect combination of health coverage you need, or allows you to choose the combination of health coverage options you need. The most affordable Arizona group health insurance policy for you is going to be the one that offers exactly the amount of health coverage you need, at the price you can afford. In Arizona, there are nine basic kinds of group health insurance coverage: major medical expense, accident-only coverage, specified disease or specified accident, disability income protection, long term care, and Medicare supplement, as well as health maintenance organizations (HMO), preferred provider organizations (PPO), and point-of-service (POS).
When you purchase affordable Arizona group health insurance that provides coverage for major medical expenses, you’re getting just that – coverage for those medical procedures that are considered “major,” such as surgeries. Similarly, accident-only coverage provides coverage for health-related accidents, as well as those that relate in death, loss of a limb or limbs, and loss of your eyesight, while coverage for specified diseases and specified accidents only provide coverage for those diseases and accidents listed in your group health insurance policy. Disability income protection makes sure you get a percentage of your paycheck should you become disabled and unable to work for a specific period of time. Long term care coverage and Medicare supplement usually aren’t offered with employer-sponsored Arizona group health insurance packages, but can be purchased additionally from the health insurance company or another private health insurance company.
HMO, PPO, and POS aren’t the specific coverage you get with your Arizona group health insurance policy; rather, they are the ways in which you will get that coverage. HMO and PPO both cover doctors within a network – PPO usually allows you to see a doctor out-of-network at a higher deductible – and POS is a mix of HMO and PPO.