Jul 31 2012

How To Get The Value of Your Health Insurance Premium

Guest Post from the folks at Key Insurance

One of the problems of health insurance is the rising demand for higher profits by insurance providers. The premiums are always rising, while the payouts are diminishing. But then, insurance companies are in business to make money. This is the reason why the government has to constantly monitor how the business of its citizens’ health is handled. Health insurance is definitely important for a healthy nation and most people already know this. The problem is that insurance companies are always steps ahead in their determination to remain extremely profitable. This means that they are always on the look out for gaps in health insurance policies. As they market, health insurance companies claim that their premiums work well for families, individuals, groups and seniors. However, there is a high risk criteria added to some medical claim brackets.

By understanding health insurance policies, a prospective plan holder is in a better position to buy into the best suited plan. Taking time to read the fine print is worthwhile. This can help save on premiums and still allow access to benefits. Health insurance is the easiest way to cover the cost of medical care, including check-ups. This is especially important with the dynamic nature of our modern lifestyles. With today’s health risks, the need for health insurance should be a priority for everyone.

Find the Right Health Insurance Policy

It is very hard to identify the best health insurance products. But a few considerations can help you pick a good plan from a reliable health insurance provider. Think and ask questions along the following lines:

  • What are the guarantees and what additional information is left out of the policies?
  • Which areas of your health am I most concerned about?
  • How much can I afford in payments?
  • What percentage of your medical expenses will the policy cover?

The concern of the government in tightening its supportive role in guiding the operations of health insurance providers is welcome. It is critical that people get what they are entitled to under their insurance policies. Individuals are faced with paying high premiums only to find that it is impossible to get adequate reimbursement of their medical bills. This happens as health insurance companies are trying to get around returning the 80% of premiums in the form of services that policy holders are entitled to.

It is up to premium holders to remain alert. Insurance companies trying to get away with paying less than the required 80% of medical care costs should be held accountable. Think about the cost and the coverage of your health insurance plan. If you feel that you are being short-changed, it is within your rights to appeal. Ask questions and demand a full explanation. If you are still unsatisfied, you can go beyond the health insurance company and file a complaint.

Contrary to popular belief, health insurance companies make huge profits off of their plan holders even in a regulated industry. It is not up to you to keep them in business. Let them get their act together and give you what you are entitled to.

Author: Albert is an editor for Key Insurance Quotes and runs a local blogger meetup group in Durham, NC.

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Apr 23 2012

Do You Play Golf? Want Longer Drives, Lower Scores and Pain Free Golf

If you’re like most boomers who play golf, you buy the best equipment, you take golf lessons, and you practice every aspect of your game trying to get better.

YET You may still have back and shoulder pain.You still don’t get the distance you want off your clubs. Sometimes you feel exhausted during your round. Something is missing, isn’t it?

You can read this entire post or just cut to the chase: Check out this new product: GettingGolfReady.com

What’s missing is the physical conditioning necessary to be the best golfer you can be! Physical conditioning you ask? For golf? Why?

Ask yourself these questions:

  • How often do you rush to the golf course just in time to tee off?
  • Do you take the time to warm up at the driving range or the putting green?
  • Do you give yourself any time at all before that first swing?

If you love the game and want to play well, proper physical conditioning is absolutely necessary.

Here are the Facts:

  • The golf swing is one of the most complex movements in all of sports.
  • The golf swing is explosive as well as a bit unnatural.
  • The golf swing requires strong, flexible muscles.
  • Without this strength and flexibility, your swing will never reach its full potential!
  • Without strength and flexibility, your risk of injury is high!

Unfortunately, most recreational golfers take the physical aspects of golf for granted because of the slow pace of the game. The result:1/4 to 1/3 of all golfers get injured while playing golf,with 40,000 trips to the emergency room each year.

Women suffer more upper body injuries than men, but are less prone to back injuries than men.

In general, the vast majority of injuries are from poor swing mechanics and a lack of physical preparation. And, of equal importance, most technical problems with the golf swing are closely related to a lack of proper strength, balance and flexibility.

What can you do? While your teaching pro will help you with swing mechanics… Who advises you on how to remain injury free? Do you know what exercises are absolutely necessary for golf? Do you know which exercises will help, and which will hurt? Most likely not.

But, you are not alone! The average recreational golfer does not have the expertise or knowledge to design golf specific exercise programs.

You may not have a lot of experience with strength training, or understand what muscles are used during the swing and how to make them strong and flexible. There are many fitness instructors who can help you with an exercise regimen, but very few who are expert at getting you fit for golf.

Seek out a golf fitness specialist who can teach you how to get your body in shape and keep it in the best condition for golf.
. . . . .
The Getting Golf Ready Program can help. This program walks you step by step through a series of self assessment evaluations that help you discover your specific areas of weakness and guides you to exercises that will improve your strength and flexibility so necessary for playing great golf. Go to GettingGolfReady.com for more information and to sign up for the FREE video series.

SPECIAL NOTE TO ALL YOU GUYS: Although sponsored on GolfGurls.com, the GettingGolfReady Program works just as well for men as for women. Check it out! You won’t be disappointed.

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Mar 12 2012

Get Value of Your Health Insurance Premium

Published by under Current News,Money

One of the problems of health insurance is the rising demand for higher profits by insurance providers. The premiums are always rising, while the payouts are diminishing. But then, insurance companies are in business to make money. This is the reason why the government has to constantly monitor how the business of its citizens’ health is handled. Health insurance is definitely important for a healthy nation and most people already know this. The problem is that insurance companies are always steps ahead in their determination to remain extremely profitable. This means that they are always on the look out for gaps in health insurance policies. As they market, health insurance companies claim that their premiums work well for families, individuals, groups and seniors. However, there is a high risk criteria added to some medical claim brackets.

By understanding health insurance policies, a prospective plan holder is in a better position to buy into the best suited plan. Taking time to read the fine print is worthwhile. This can help save on premiums and still allow access to benefits. Health insurance is the easiest way to cover the cost of medical care, including check-ups. This is especially important with the dynamic nature of our modern lifestyles. With today’s health risks, the need for health insurance should be a priority for everyone.

Find the Right Health Insurance Policy

It is very hard to identify the best health insurance products. But a few considerations can help you pick a good plan from a reliable health insurance provider. Think and ask questions along the following lines:

What are the guarantees and what additional information is left out of the policies?

Which areas of your health am I most concerned about?

How much can I afford in payments?

What percentage of your medical expenses will the policy cover?

The concern of the government in tightening its supportive role in guiding the operations of health insurance providers is welcome. It is critical that people get what they are entitled to under their insurance policies. Individuals are faced with paying high premiums only to find that it is impossible to get adequate reimbursement of their medical bills. This happens as health insurance companies are trying to get around returning the 80% of premiums in the form of services that policy holders are entitled to.

It is up to premium holders to remain alert. Insurance companies trying to get away with paying less than the required 80% of medical care costs should be held accountable. Think about the cost and the coverage of your health insurance plan. If you feel that you are being short-changed, it is within your rights to appeal. Ask questions and demand a full explanation. If you are still unsatisfied, you can go beyond the health insurance company and file a complaint.

Contrary to popular belief, health insurance companies make huge profits off of their plan holders even in a regulated industry. It is not up to you to keep them in business. Let them get their act together and give you what you are entitled to.

Author: Albert is an editor for Key Insurance Quotes and runs a local blogger meetup group in Durham, NC.

Comments Off on Get Value of Your Health Insurance Premium

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