Asthma Sufferers: Health Insurance

In order to get the most out of your health insurance, you will need to compare plans carefully. Still other companies will have caps on the amount of coverage provided. Some companies may exclude those with pre-existing medical conditions, while others may approve them but have pre-existing condition exclusion periods. There are many things to consider before you choose a health insurance provider, however. Although asthma can be an expensive condition, the good news is that many Americans are able to get health insurance coverage.
Unfortunately, some plans limit the amount of coverage for medication and medical treatments, and it is very unlikely that you will be able to receive coverage for preventive care. You may also have to deal with chronic condition limits and pre-existing condition limits. The first, and most important, thing to look for when you need health coverage for your asthma is what the health insurance policy actually covers. You will need to make sure that your plan covers hospital visits as well as routine visits to the doctor.

Accidental Health Insurance


An accident is an unforeseen event that happens unexpectedly. You don’t foresee having an accident on a family vacation, but it could happen. When you are laid out after an unforeseen ski accident, and you are missing work, who is going to pay your bills? Most health insurance companies do not cover accidental health insurance.

Expenses Covered With Accidental Health Insurance

Accidental health insurance policies cover expenses including:
-Loss of income from the time you are unable to work
-Any uncovered medical expenses and deductibles
-Non-medical costs, such as transportation expenses, living expenses, and domestic assistance
If you have a job that puts you at a high risk for accidents, such as construction worker, lumber jack or factory worker you should definitely invest in accidental health insurance.

Individual Medical Insurance Claims


With ample opportunities for billing errors within today's complex health care claims and reimbursements systems, it's a wonder people carrying individual medical insurance don't spend more time carefully checking each Explanation of Benefit (EOB). The EOB shows what was charged less what the insurer agreed to cover, the balance being what you owe. Checking your EOB is the first line of defense against overpaying on a health insurance claim. Your EOB may not reveal a lot, but you can check to see that your name, address, and policy information are correct. You should also confirm that you were charged the "allowable" rate set by your insurer and not a penny more. Deductibles can be as high as $10,000, and payment comes entirely from your bank account, which makes group discounts all the more important.
Other common errors the EOB may reveal include: Failing to get credit for a deductible that has been paid, in-network providers classified as out-of-network, legitimate claims denied as "medically unnecessary," "upcoding" (being charged for more expensive services than you received), and "unbundling" (when a single procedure is broken down and billed as many).

Do I need TEMPORARY MEDICAL INSURANCE?

It looks like now fewer and fewer people are actually having full medical insurance. There was time when people used to have medical insurance but now due to high premium they are opting to have temporary medical insurance. Those who are currently doing jobs, they are mostly choosing for temporary medical insurance, even the other people are giving preference to this insurance. This type of insurance is designed to provide temporary coverage. It’s very easy and affordable to have. This insurance gives you coverage against unexpected illness and accidents. Wellness check, prevention care, vaccines, vision, dental care, or routine doctor visits are not covered in this type of insurance. But if you are taken to emergency room, hospitalization, diagnostics, tests, organ transplant, or repatriation are given coverage. You can have coverage as early as tomorrow, or for periods as short as 30 days or 180 days. The premium is usually paid in one single payment or on easy monthly installment.