All About Health Insurance

1. You plan your coverage at work and elsewhere?

Health insurance companies have specific exclusions that eliminate your benefits for anything that might be covered by workers' compensation or similar laws. Read the last sentence.

Could the bridge?

That's right. Most people are independent and even some small companies do not carry Workers' Compensation themselves.

No insurance plans designed to cover you in and out of work - 24 hours a day if you are not required by law to cover accidents.

2. If you are writing it off?

Independent contractors (1099), owners of home-based business professionals and others who work for themselves are generally not taking advantage of tax laws to them.

Many people who are paid 100% of costs are eligible to deduct your monthly insurance payments. Just that alone can reduce your network costs incurred by an actual plan of up to 40%. Ask your accountant if you are qualified and / or visit the IRS website for more information.

3. Internal boundaries
All true insurance plans use some form of internal control to determine how much to pay for a procedure or service. There are two basic methods.

Regular services

Many plans, some of which are specifically marketed for self-employed and independent, have a clear timetable, which they visit for every doctor's office to pay, hospitalization, and the limits of what you pay for testing for 24 hours. Period. This structure is usually associated with "compensation plans." If you experience any of these plans, you should see the benefits program, in writing. It is important that you understand these limitations, because if they get ahead, the company paid nothing more than that amount.

"Usual and customary

"Usual and customary" refers to the amount of pay a visit to the doctor or hospital for the procedure, what most doctors and loading equipment for this special service in your area or equivalent. "Usual and" positions represent the highest level of coverage in the major health plans.


4.You have the opportunity to shop!

If you read this, you are likely to buy a health plan. Every day, people shop for everything from food to a new home. During the checkout process can, in general, value, price and general staffing market is evaluated by the buyer. In this sense, it is strange that most people see no doubt will cost a test or medical procedure. In the health insurance market is constantly changing, it becomes increasingly important that these questions asked of our physicians. Asking price will help you get the most out of your plan and reduce their costs out of pocket.

5. NETWORKS AND PROMOTIONS

Almost all insurance and benefit programs with networks of doctors to work for a discount. Usually consist of networks of health professionals and facilities, to agree by contract reduced VAT rates for services rendered. In many cases the network is one of the attributes of the definition of its program. The discounts range from 10% to 60% or more. Discounts vary network doctors, but to minimize the costs and expenses, it is essential that the list of network physicians and facilities before display. This is to ensure not only that their doctors and hospitals in the network, but also see what your options are if I need a specialist.

Ask your agent on your network, ask whether there is local or national level, and whether it meets your individual needs.