(Beauty tips) Don’t Buy Major Medical Coverage…

October 1st, 2009 admin Posted in health |

By Alston Balkcom A

And think you are finished comparing prices and benefits. medical coverage rates get more expensive all the time and you can’t lock in a rate for major medical coverage like you can with whole life coverage or a CD. Making sure that you have the lowest price for quality health protection can only be done if you review your coverage every year or so.

Your medical insurer is constantly monitoring the average amount of medical claims that people make against their health care coverage plans. They are constantly changing the rates. The rates will almost always go up, but each policy series may have different rate increases. You want to make sure that you are in the getting the best deal, not only this year, but tomorrow as well.

If you have an older major medical insurance policy, particularly one that isn’t being sold today, it is important that you shop and compare benefits and prices. There is a good chance that you can find less expensive medical insurance plans available that will pay your doctor and hospital just as well.

When a medical insurance provider stops offering a particular policy series to new clients, the rates on that policy series will almost always go up faster than they will on any open plans. The reason for this is not because the age of the policy holders, but the age of their exams or underwriting. When you look at 100 clients of any given age who have just passed their medical underwriting, they are much less likely to have major claims than 100 clients of the same age whose health status was last reviewed five years ago. They have had five years to raise their blood pressure, weight and cholesterol. Many are in excellent medical, to be sure, but when you look at the averages the newly underwritten group will almost certainly be healthier.

This means that your major medical insurance rates will be lower if you are moved into the group of their clients who have been underwritten more recently. Make sure that you maintain or improve your good health care and that you regularly shop for major medical insurance. Shop for a wife or a husband once, shop for coverage on a regular basis.

In order to be approved for any new health insurance plan your health care must be good. This doesn’t mean that you will be denied if you have had the flu, but you might be denied if your weight doesn’t meet their criteria or you are diabetic.

Perhaps one day we will have a system where everyone can qualify for healthcare protection regardless of their health status. That day is not today. If you need insurance this year, we need to do what we can to control the aspects of our health care that are within our control if we want to get the best rates.

Of course, a not insignificant side effect of being healtheir is that we get to live longer and probably more fulfilling lives. If the additional cost of a rated healthcare insurance plan is the final straw that gets you to stop smoking or exercise more, your life will be better for it.

Right now we have a for profit health coverage system where both the protection companies and the consumers cherry pick. The protection companies want to deny anyone who is a bad risk; consumers often avoid getting medical care insurance when they are younger and healtheir.

We may have a better health insurance system in the near future or we may just have a new health care systemwith new deficiencies. What ever happens in the future, the system we have now favors those who compare prices and benefits and only those who are in good medical can price and benefit shop so don’t buy healthcare protection and believe that you can stop shopping and comparing costs and plan benefits.

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Alston J. Balkcom has been a licensed insurance producer since before his youngest could walk. Now a grandfather, he is a veteran insurance agent. You can find John Alden insurance information on his sites. He can also help you find Idaho home owners insurance quotes.

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