Medical Plans

Health Benefits Direct

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Health Benefits Direct is acquiring health insurance for you and your family, which can be a challenge, particularly if you are not covered by an employer’s plan. There are licensed agents who will shop highly rated insurance carriers to find a suitable health insurance plan for your needs. The company offers first class support and unmatched consulting services.

Technology Driven

Health Benefits Direct

Health Benefits Direct has developed the first technology driven real time insurance agency in the United States and has positioned itself to meet the growing demand for consumer-driven health insurance coverage. They are a technology company that is developing the technology of the future to apply for not only individual major medical Insurance, but also other types of insurance.

Insurint is the real driving force behind Benefits Direct. Their system aggregates the rates from all the major carriers and also the underwriting rules that there agent is able to look at up front and in real time. With the introduction of Insurint, the percentage of applications processed and submitted is increasing. This technology will eventually be offered throughout the market.

Service is free to consumers. The primary source of incomes is commissions funded by insurance companies. Specifically, revenues are in the form of commission fees paid by the carriers to the Company as compensation for policies sold. For each policy issued, the Company is paid a commission based on a specific percentage of premium paid by the consumer to the carrier on a monthly basis for as many months as that consumer pays the carrier for that particular policy.

Online Info

Another group to look at would be Health Plan One, an online health insurance trader for individual, family, self-employed, Medicare and small group/business health insurance policies. Health Plan One represents all major health insurance providers and is authorized in all 50 states. Before obtaining a healthcare plan, Health Plan One’s website offers instant comparison shopping of health insurance quotes and plans, live help from licensed insurance specialists, and educational information on all health care topics.

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There is also United Health Group. A diversified company committed to making health care better. United Health Group offers a broad range of products and services through seven operating businesses: United Healthcare, Ovations, AmeriChoice, Uniprise, OptumHealth, Ingenix, and Prescription Solutions. Through its family of firms and divisions, United Health Group serves nearly 70 million individuals nationwide. In 2008, the company announced net earnings of $3 billion. United Health Group is the parent of United Healthcare, one of the major health insurers in the U.S.

Health Insurance

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Many health insurance policies are so varied that it can be hard to choose which to use. Before picking any insurance plan, it would be in your best interest to do some research. You should start by shopping around, which means getting the maximum spread of  insurance quotes from as many of the top companies writing policies in your state. Most insurance companies offer a range of  plans, whether for short term health, whole life, or group insurance.

Insurance as a Safeguard

You are not alone, if you have trouble understanding confusing insurance terms or are overwhelmed with all of the health plan options. A Health plan is a safeguard that offers protection in a case of unforeseen medical crises. These medical crises include unexpected illness, accidents and possibly a preexisting condition not to forget maternity, in which the policy pays for the hospitalization, medical and other costs incurred.

Some policies cover you at both ends of the healthcare system: it’s always a good idea to have precautionary care to catch sickness before it becomes serious. Screening and check-ups for a standard range of illnesses can offer early treatment when it’s most likely to be successful. Expenses related with an accident can totally drain the family funds without such insurance.

Insurance for the Self-employed

Health insurance for the self-employed can help shield you from a bank account depleting health care expense that can accrue during a critical or long-lasting illness. If you have a job, your employer may offer full major medical coverage. You can find companies online that offer information for medicare insurance options available to senior citizens age 64 and older or individuals under age 65 that have certain disabilities.

Medicare supplemental insurance designed for people on Medicare (an insurance program under which medical care and hospital treatment for people over 65 is partly paid for by the government) who wish to have more comprehensive coverage. These supplementary plans may include Managed Care HMO plans or Medigap PPO plans from providers like blue cross or blue shield that provide you with better access to participating GPs.

Children are particularly vulnerable to things like strep throat, flu and other communicable illnesses, and are also infamous for getting into predicaments, ending up with a broken bone; usually necessitate a trip to the doctor. Without insurance, its things like these that could send a family into a financial hardship. Child only insurance is available and could be more affordable than you think. Typically, children cannot be covered individually; they must have an adult on the policy with them.

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Private Insurance

Private  insurers sell individual and group plans. The insurance may look like an amenity to some, but it’s an essential not to be avoided. Many clash about not having insurance plan at all, saying it’s too pricey to have one. Health insurers like united health care may offer comparable products, but that doesn’t mean that they all work in the same way. They are controlled by the state where they are in service, but each company has its own supporting guidelines. The imperative thing with this or any other website is that you get good and reliable information about insurance plans before you purchase any health or affordable dental insurance policy.