Finance > Insurance > Health InsuranceDiscount Plans versus Health Insurance Posted by nick_niesen in Finance on October 29th Cheap Ousmane Dembele Jersey , 2010
A woman from Las Vegas thought she was buying health insurance. It looked and sounded like health insurance. The Las Vegas woman is not 65 yet, which means she can't get Medicare. So, she went online looking for health insurance. She ended up finding something called Healthcare Advantage, and signed up after paying $100. Come to find out Cheap Neymar JR Jersey , this was not medical insurance at all and the sales representative never told this poor lady. She found that out when her cards arrived in the mail. In tiny writing at the bottom, it read, "not an HMO, PPO insurance or managed care company". This was a discount plan. These plans do not have the same coverage as a full medical health insurance policy. Make sure you know what you are getting and if it fits your needs.
So what is a discount plan? The plans claims to save people money by offering discounts on physician visits Cheap Nelson Semedo Jersey , prescription drugs, dental work, eye care and other treatments for a monthly fee. Unlike normal health insurance, which is very costly and very selective about who it covers Cheap Marlon Santos Jersey , a discount health plan accepts everyone, no matter what health conditions they may have. You will use a list of doctors that are willing to charge discounted rates to the subscriber. Discount is not the same as coverage, and so you will pay more for visits and other services that you wouldn't with a regular medical plan. The average savings is only 25% that could be very expensive if you have to see a specialist or require surgery. These networks claim to have as many as 400,000 doctors and 50 Cheap Marc-Andre Ter Stegen Jersey ,000 hospitals available to choose from, but what if none of them are near you? You can get a savings of up to 30% on both generic and brand name drugs, which can also be costly if you have multiple prescriptions or they are costly ones. So if you have a health plan already but have a high deductible, this extra plan may help save you some money. But to use as a complete health plan Cheap Luis Suarez Jersey , it really isn't designed for that and will cost you more than a great HMO.
HMOs and other medical plans can offer full medical coverage at great rates. Managed care plans are the way to go for those who are limited on funds. They offer the best policies for the least amount of money. Most of these plans are available to anyone and can save you a ton of cash. You can make the plan even more affordable by asking for a deductible, which will lower your monthly expense. Most HMO's do not have one at all but, you can request one, and most basic PPOs and POS only have a small one Cheap Lucas Digne Jersey , usually $200 to $500 per year, which you can also asked to raised. The co-pays are also very reasonable with these types of plans. If you choose to purchase an HMO, expect to pay about $5-$10 per office visit and per prescription. With PPOs and POSs you will have a 20% co-pay with both visits and medications. The differences are how strict they are and you pay more of a co-pay to have extra flexibility. Usually a PPO or POS plan is less expensive and you have more freedom to see whom you want so the insurer makes you more responsible for payment. HMOs tend to be the least expensive and best policies for people with fixed incomes.
Make sure you know what your needs are and double-check what you are getting. If you need full medical coverage with low co-pay then a discount plan will not work for you. If you are already covered by a medical group but have a large deductible then you might benefit from the extra savings a discount plan can offer. Also, ask whether the plan is insurance that covers your treatment Cheap Lionel Messi Jersey , or is a discount plan that still requires you to pay all medical bills yourself. Beware of slippery sales pitches. Make sure you know what's being offered. Discount health plans may only sell you access to a large mailing list of medical providers that it purchased commercially. Don't assume you're getting access to a large provider network just because your discount card displays the network's name and logo. If you plan to use a specific listed doctor, hospital, pharmacy or other provider, ask a few questions before you sign up.
Like many ipad fans when i heard of the release of the new ipad 2 ereader i couldnt wait for it to become available. i personally brought one within the first week of its release. I love the ipad and ipad 2 because they are so much more than your average gadget or standard ebook reader. While the ipad is great for reading ebooks it also doubles as a web access station rather than my laptop in 80% of cases and because i can use it ratehr than powering up the laptop or desktop it saves a lot of time when you just want to quickly check something on google or in your inbox. The only problem i had with the ipad was paying up to $20 an ebook from apple Cheap Jordi Alba Jersey , this drove me to try out alternatives as i knew there must be a better option than paying around $15 per ebook which works out expensive if you read a couple of books a week.
The two best services i can recommend are as follows; Te first is method i use is to look up my favourite authors online and go to their personal websites. what i found was often authors would give away some of their older ebooks completely free via their websites and have been really supprised by just how many ebooks i have found for my ipad. This is also a god method to use because when an wuthor releases a brand new ebook you can normally get access to it before the general release date and if the author sells it you very often get it at a discount and you have the knowledge that the suthor will be getting 100% of the money you pay for the ebook rather than a tiny cut if you buy from the likes of amazon or the ibook store.
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