Inner Profile

By Sam Dicosta

 I know many people believe health insurance is not really necessary and basically a luxury item, but I am very grateful for having an Aetna individual health insurance policy. Here is my story.

I do not have a family history of cancer of any kind. However, when I reached age 35, I scheduled my first mammogram, as recommended by the American Medical Association, and as covered by my Aetna individual health insurance policy. I had no concerns or fears at all since breast cancer does not run in my family. However, I had often heard that receiving the preventive care covered by my Aetna individual health insurance policy was the wisest path. Also, I figured if I was paying for the Aetna individual health insurance policy monthly premiums, I might as well get my moneys worth and receive the care that I was entitled to. It isnt just my Aetna individual health insurance policy that covers preventive care, but most health insurance plans provide benefits for standard screenings and preventive care. Often, these visits are not even subject to the deductible, and only require a minimal co-payment.

After that first baseline mammogram, I waited until age forty to have a second mammogram, like the AMA recommends. After the third mammogram, my Aetna individual health insurance policy network primary care physician called me and asked me to get these tests run again within the next six months to monitor some spots for changes. The physician was not concerned at this time, and was very reassuring that this was just in order to be cautious. Again, my Aetna individual health insurance policy covered these screenings so I went ahead and did them. I have to admit that if I had not been enrolled in an Aetna individual health insurance policy and had to pay for these medical services out of pocket, I would not have done the baseline mammogram. Honestly, I may not even have done the annual recommended ones on a regular basis.

When the spots came back as cancerous, my Aetna individual health insurance policy primary care physician again called me into her office to discuss the findings and results. My physician discussed the options with me, educated me about what the next round of tests and physical examinations would involve, and helped me understand the treatment options and prognosis. Early identification and diagnosis leads to early treatment, which leads to better results and prognosis. So, really, even though I got bad news, I got good news too. Having benefits for preventive care through my Aetna individual health insurance policy made what could have been a horrible life-threatening situation a manageable illness with a good chance of recovery.

I have spent this past year receiving treatment for breast cancer and am feeling very healthy. My Aetna individual health insurance policy has covered all of the expenses, once I met the deductible and out of pocket maximum. Although it was difficult to come up with the money to meet the Aetna individual health insurance policy deductible and my co-insurance portion, I was very grateful that my preventive care benefits had made it easy to diagnose my breast cancer as early as possible, and that I was now going to receive the necessary medical care to speed up my recovery.

Sam Dicosta shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about affordable group health insurance, Individual Health Insurance Quotes, Aetna health insurance, Medical Insurance, Aetna individual health insurance, group health insurance, affordable health insurance georgia visit www.usa-healthinsurance.com

Looking for affordable health insurance?

By Sam Dicosta

 The focus that the media has placed on the health care reform has brought to a lot of peoples mind the importance of having affordable health insurance. Certainly it is important to have affordable health insurance benefits when you are ill or injured. It is also important for the prevention of illness or injury, if you receive all the recommended screenings and exams for your age and gender. These preventive services are usually included in most affordable health insurance policies, for a low co-payment, and often without being subject to a deductible.

Speaking of deductible, there are many affordable health insurance plan options right now that have vey low monthly premiums in exchange for a high deductible. If you and your family members are very healthy, this may be an excellent option for you. Having an affordable health insurance policy that provides for benefits such as preventive care exams that are not subject to the high deductible means that you probably can receive medical care for minor illnesses, and continue to receive preventive care measures. As long as you do not require any major medical care, you may never have to pay off the deductible. You will continue to save money every month on the lower premiums of your affordable health insurance plan.

If you like the idea of an affordable health insurance plan, but you have concerns about paying off the high deductible, you may want to consider opening up a Health Savings Account. This type of account works alongside a high deductible affordable health insurance plan. Basically, you put money into a health savings account and it is tax-free as it goes into the savings plan. If you take it out to pay qualified medical expenses, it continues to be tax-free. It works similar to a retirement account, but can be used for qualified medical expenses. These include prescriptions, deductibles, co-payments, and other medical bills.

Certainly, you want to be cautious when shopping for affordable health insurance. There are certain scams going on right now, where companies with names similar to legitimate health insurance providers, pretend to offer very cheap affordable health insurance plans. However, they are not legitimate and will not pay on your claims. Remember, if it sounds too good to be true, it is probably not true. You can check out affordable health insurance plans advertised to you with the Better Business Bureau, or talk with a licensed, independent insurance broker to get an experts opinion.

Many people believe that they will never find affordable health insurance, but there are many plans out there that are reasonably priced. And right now, before the health reform acts mandates result in a lot of changes to insurance policies, is a really good time to find affordable health insurance plans. Remember that you are doing this not just for yourself, but also for your family. And you are protecting them, not just from medical problems or injuries, but also from the financial risks that overwhelming medical bills can cause. An affordable health insurance policy offers both kinds of protections by providing benefits for you and your family in order that you may receive medical care without hurting your pocket.

Sam Dicosta shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about affordable group health insurance, Individual Health Insurance Quotes, Aetna health insurance, Medical Insurance, affordable health insurance, group health insurance, affordable health insurance georgia visit www.usa-healthinsurance.com

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Small Business Owners Choose Affordable Health Insurance

By Sam Dicosta

 As a small business owner, I understand that affordable health insurance is a very important benefit to my employees. Providing affordable health insurance to my company not only helps to retain employees, but affordable health insurance gives my company an edge when competing against other small businesses within the same personnel pool. Employees view affordable health insurance as part of their compensation package, along with salary, bonuses, vacation time, sick days, work hours, overtime pay and office environment. When surveying employees about affordable health insurance, they note that affordable health insurance provided by my company is one of the most valuable compensation components. When searching for the most affordable health insurance policies for my small business, we use an affordable health insurance broker.

Insurance brokers are able to sell affordable health insurance from several insurance companies. This tactic gives us an extremely wide variety of affordable health insurance coverage and pricing options to choose from. Then, we can analyze the short-list of the affordable health insurance options before making our decision on the most affordable health insurance policy. Affordable health insurance brokers can be found by searching for affordable health insurance brokers on any web browser. Sometimes it is helpful to include your location in the search for affordable health insurance brokers so that you can find an affordable health insurance broker in your area. If you dont put a location in your search, you may end up with a list of hundreds of affordable health insurance brokers throughout the U.S.

Our company happens to have a group affordable health insurance policy for its employees. After investigation, we have found that this is the best way to provide affordable health insurance to our staff. We are aware that many companies allow their employees to choose their own individual affordable health insurance policy based on their familys needs, and then the company will reimburse the employee for their affordable health insurance costs. We strongly considered this option, but did not feel that it was the most affordable and beneficial way to provide affordable health insurance. Although allowing individual employees to choose their own policies would give them more control over their coverage and would achieve the goal of providing affordable health insurance, it requires additional paperwork and coordination by the employees and was more of an inconvenience than a benefit. It has taken time to research all of the options available to us, but once we made our decision, we felt really confident we had made the right choice.

With the rising costs of affordable health insurance for small companies, it is very important to evaluate your affordable health insurance policy benefits annually. While employees would like affordable health insurance with maximum benefits and minimum deductibles, this is challenging in the current economy. Finding group affordable health insurance for your company is possible, but you have to be willing to do a lot of research and analysis. It is also good to ask your employees what benefits of affordable health insurance are most important to them. Ultimately, employees will appreciate the fact that you offer affordable health insurance and you will be able to attract the best hires and retain employees.

Sam Dicosta shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about affordable group health insurance, Individual Health Insurance Quotes, Aetna health insurance, Medical Insurance, affordable health insurance, group health insurance, affordable health insurance georgia visit www.usa-healthinsurance.com

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