Slash Your Health Insurance Premium!

Sick and tired of the high cost of health insurance? Well, let’s start slashing. I’ve spent the last 23 years helping people find affordable individual & family health insurance. Along the way I’ve learned some ways to cut the price without cutting the essential quality. Here are a few tips:

1) Don’t be afraid to consider plans with higher deductibles. Health insurance, by definition, is protecting your health by means of a financial safety net. A good health plan, even one with a higher deductible, can give you that protection. Let’s look at some actual prices. In Los Angeles, a 40 year old in good health can get a Blue Shield PPO with a $1,500 deductible for $418 per month. Raising the deductible to $2,000 lowers the premium to $272. That’s a 54% savings which amounts to $1,752 in a year! Just for raising the deductible by $500. As a bonus, many of these types of plans will waive the deductible for routine office visits, routine physicals, and generic drugs.

2) Take a look at HSA plans. In the last few years a new type of plan has become available. These are called HSA (Health Savings Account) eligible plans. They are low cost, high deductible health plans that also offer outstanding tax benefits. For example, a 40 year-old with a family in Sacramento, all in good health, can get the Blue Cross PPO3500 HSA for $280 per month. That’s health insurance for a family for $280! On top of that the tax benefits are substantial. With prices so high these days, I think these HSA plans are going to get very popular.

3) If you don’t need maternity, drop it. You can lower your premium by choosing a plan without maternity. For example, a 40 year old in good health in San Diego will pay $349 per month for the Blue Shield PPO 1500. But the price for the Blue Shield Balance 1700, a similar plan without maternity, is $170. That’s a monthly savings of $179. And remember, for family coverage, not everyone has to be on the same plan. To lower your cost you can get a plan with maternity for the person who needs it and a plan without maternity for the other family members.

4) A word about basic, hospital only coverage: Caution. Yes, I know those super low prices are tempting, but there is a risk. You can rack up huge medical bills without ever stepping foot in a hospital. That being said, if that’s all that’s affordable at the present time, it’s better than nothing, and you can try to upgrade when finances allow.

5) HMO’s vs. PPO’s. Many people think that HMO’s are cheaper than PPO’s but usually that’s not the case. If you’re looking for good quality insurance at the lowest possible price and you don’t mind a deductible, then a PPO will be cheaper. If you want the richest possible benefits with little or no deductible, then you might consider an HMO. Remember, though, an HMO is less flexible and there are more restrictions on which doctors you can use.

6) Get some help. In your quest for affordable individual & family health insurance, sometimes it helps to talk with a professional. Make a few phone calls. Find an experienced, friendly health plan broker that offers several different companies. It won’t cost you anything (we’re paid by the insurance carriers), but it will probably save you time, money, and frustration.

Making A Health Insurance Choice That Is Right For Your Family

It takes a lot of time, effort, and organization to shop around between insurers and get quotes on health plans. Once you have the details of the various plans, it can be difficult to sort through the terminology and jargon insurers use to find the right plan for your family. For this reason, many people don’t choose to search for the health insurance choice that is right for their family but instead may simply just choose to take an employer-sponsored plan because that is the most convenient option.

While an employer-sponsored plan is convenient, it is often not the best plan for your family. An employer-sponsored plan is meant to be ideal for a large group of people, but consider all of the different employees in your company, from the single adults straight out of college to the middle-age coworkers with three or four kids to the coworkers with an empty nest who are nearing retirement. Some of these people may want insurance just for emergencies and major health insurance, so a plan with a low co-pay and high deductible may not be right for them. On the other hand, other people may be constantly in and out of the doctor’s office, especially those with young kids. For these people, a plan with a lower co-pay and higher deductible may be more in line with their needs.

Because everyone uses their insurance in a different way, the right health insurance choice for one family isn’t necessarily the right one for another family. For this reason, you should take some time to shop around for the right plan for you rather than simply go with the convenient option of accepting your employer-sponsored plan without a second thought. Many people don’t have the time and expertise in the insurance industry to shop around and find the right plan, and this is why you should consider working with an insurance broker who is trained to help you find the right plan for you.

Maternal Health in Bangladesh

Poor maternal health and poverty are directly interrelated. Bangladesh being one of the poor countries in the world has worse maternal mortality rate in South Asia. It has been estimated that every year 21,000 women die during pregnancy or while giving birth to a child. Most of these deaths occur due to hemorrhage, anemia, hypertension and obstructed labor. Absence of medication for pregnant woman and delay in receiving the appropriate mode of transportation is also a major contributing factor to poor maternal health.

One of the major reasons for poor maternal health is the lack of skilled birth attendants which accounts for just 13% of all deliveries in Bangladesh. Another major reason for the poor is the fact that female children are not adequately nourished since their birth and generally conceive early in life. The resultant poor health and low birth weight has been carrying on for centuries.

The biggest challenge for the government and nongovernmental organizations is how to improve maternal health condition of women in Bangladesh. The high levels of illiteracy among women acts as a major roadblock in all developmental projects. Some of the required steps needed in to improve this issue in Bangladesh are:

1. Educating women folk in all stages of pregnancy right from early days of conceiving to proper delivery of the child. They need to be educated on the basic precautions to be taken during pregnancy.

2. Most of the pregnant women in Bangladesh are under nourished which severely affects the child and contributes to the high mortality rate. Pregnant woman and her family need to be aware about the necessary levels of nutrition.

3. Improve the body mass index of the women who are expecting by making them aware of it. The body mass index of majority of the pregnant woman in Bangladesh are lower than the minimum required which leads to complications in pregnancy.

4. Poor maternal health is also a result of socioeconomic condition of the women in the country. Making people aware of the harm of teenage pregnancy which can prove to be fatal both for the child as well as the mother.

5.Encouraging people to maintain gap between their children. Frequent pregnancy among women in Bangladesh has been one of the primary reasons for the poor state health of the mother.

By creating a support system within various communities be it in villages or certain pockets of the urban areas can improve the maternal health. This could be aimed at making the entire community take steps towards the improvement of maternal health.

These campaigns run by certain organizations has yielded substantial results in the places where the campaign has been carried out. Encouraged by this recent success it is now looking to spread the campaign to other parts of the country in the near future.

An Introduction to Maternity Health Insurance Coverage

Every parent wants to celebrate the birth of their child with a good deal of enjoyment without any unnecessary surprises like payment of medical bills. There are great choices as far as the maternity insurances are concerned. Even if you are not pregnant right at the moment but wants to add a maternity coverage to your to your health insurance plan. In that case there are many important things that you should know. Many of the individual health insurance policies will allow you to have maternity coverage in the form of a rider for some additional cost. The common case is that these maternity riders should have a waiting period of at least 12 months and this happens to be before they pay out any type of maternity benefit. But there are variations with different health insurance companies.

There are maternity insurances with that provide you with great benefits which are real helpful to take you to the financial security of preparing for your child. It would be great if you happen to have your Maternity Health Insurance Coverage in your hand before all your test results turn out to be positive. Surveys have revealed that around some 13% of the pregnant women go without any medical care during the months of their pregnancy. Sometimes it’s difficult to find out proper maternity insurances as pregnancy is not considered as part of many health insurance policies.

Maternity insurances are not such that you can add and drop it at any time. As per HIPAA Act of 1996, pregnancy is not considered as a pre-existing condition, this makes it possible that an expecting mother can’t be denied of health insurance. But there are some loopholes to this law which depends on whether insurance is a group or individual health plan. Before choosing a provider you need to check the names of network provides that are enlisted in the latest directory provided by the insurance company.

It’s always advisable to choose the doctor and hospital that are listed in the network. If you find the network provider which is appropriate for you, there is the advantage of paying a lesser amount of medical bills out of your pocket. Many of the states offer good individual health insurance plans for those who have a pregnancy pre-existing condition what they think can’t be covered with another insurance source.