Inner Profile

By JohnJames

 Searching for health cover is easy. To receive quotes you can easily look in the internet. Simply log on to Google and type in the exact policy you want and the locality where you are; you will, within seconds, have a whole plethora of web pages to view and make health insurance inquiries.

When both couples are employed in different companies that provide them with health insurance packages, the couples may both list their children, giving such children dual coverage. Dual coverage at times ensure that the doctor can get reimbursed over 100% what he should be paid as a result of both insurance company paying up for a single treatment. To avoid this dual policy, holders are advised to name one policy as a primary and the other as a secondary. This will ensure that if the first policy is unable to actually complete the payment, the other picks up the remaining bill.

When reviewing your health insurance quotes, these facts should be at the back of your mind. If you expect only few health related issues, a low premium cover is considerable. If you expect regular visits to your doctor, a policy with low or no deductible is effective. You should now yourself and your health situation before deciding what to do in terms of health insurance. Not every kind of health insurance is suitable for every kind of person.

An example of the health coverage you can receive is the PPO policy. This type of policy is operated on a network of various doctors and you will have the opportunity of choosing a doctor but only within the network provided. With this kind of service, the doctors are actually the ones that present your claims to the insurance company.

Presently, the American health insurance sector is a buyer’s market, so to speak. This means that it is possible to actually customize the type of health policy you need. Take advantage of this fact and prepare a good policy for yourself and your family. Don’t just take up any policy that in the end may not work for your needs.

While looking for a health insurance policy, bear in mind that your age will determine the rate at which you get a particular policy. Older people are more susceptible to illness than younger people, so it is possible to have an older person pay more for the same coverage or policy enjoyed by a younger individual.

If you are a good saver you can cut off health insurance by saving up for health issues on your own. If you have a regular contribution to a particular bank, you can receive loans to offset medical bills that are outside your savings. This way you know you are covered and at the same time you are not paying exorbitantly for a service you may not even use. Remember this will only work for you if you are a good saver!

The traditional type of health insurance is more benefitting, compared to the Health Savings Account type when it comes to the first dollar basis. This is the kind of benefit received without having to meet any deductibles; it may include annual specialist visits, etc.

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What is Executive Medicine?
By Steven Schnur

 ”The Journal of Occupational and Environmental Medicine calculated that illness and injury cost the nation over $63 billion in lost work and productivity. While employees and executives are constantly encouraged to seek preventive care, the reality is that many do not take the time to see their physician on an annual basis, let alone when symptoms present themselves. Instead, most individuals wait until illness physically prohibits them from going to work, and at this point the illness is typically worse than it would have been if they had an ongoing relationship with a physician and care had been given in a more proactive manner.

Lost productivity time coupled with rising insurance costs has led many corporations to investigate health care solutions to either supplant or supplement the traditional group insurance model. One of the core solutions employers have turned to is the Executive Concierge Model.

Known as “”Executive Healthcare”" or “”Executive Medicine”", doctors and physician groups are coming together to customize health programs for groups of executives and independent businesses with an objective of reducing the lost productivity time. At the core of many Executive Healthcare packages is a Executive Physical. In many instances the doctor will travel to company facilities in order to perform a basic physical for all executive members. In others, as in the case of EliteHealth, the office visit is an option, but executives are also given the benefit of in-depth diagnostic treatment, which allows for an even more in-depth analysis of their health than what is typically offered. This level of physical, given at a time that is convenient for the executive, is shown to have a positive impact on the bottom line (with less time lost due to illness).

The Executive Medicine model has also allowed for some employers to provide a value to employees at a time where the economic climate is tougher and morale is at an all-time low in many industries. Providing Executive Concierge level service to employees, and, in some cases, their families provides an opportunity for employers to offer easier access to healthcare, and adapt the traditional concierge model to the corporate environment.”

“Steven A. Schnur, MD, is the founder and Chief Executive Officer of EliteHealth. He is a board certified cardiologist and internist and is presently the President of South Florida Cardiology Associates.

http://www.elitehealth.com/executive_physical_exams.php

http://www.elitehealth.com/executive_corporate_programs.php

http://www.elitehealth.com/luxury_healthcare.php”

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