Posts Tagged ‘Health Insurance Rates’

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Affordable Children's Health Insurance – Requesting A Quote Is Easy As 1, 2, 3

July 31st, 2010

Are you looking for Affordable Children’s Health Insurance?  There are some websites that provide free health insurance quotes instantly.  Find out the best health insurance rates available for you here.  

It is a bad idea to go on without health insurance.  You can get sick anytime and injuries can occur when you least expect them.  Getting health care is by no means cheap and costs add up rather quickly.

In reality, if an accident or ailment comes up and you have no insurance you could be cleaned out financially.  It’s crucial for the average American to obtain an ffordable health insurance policy as medical care can be quite overpriced.

Various organizations are in business to provide health care insu » Read more: Affordable Children's Health Insurance – Requesting A Quote Is Easy As 1, 2, 3

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Health Insurance Prices Affected by Three Things

April 28th, 2010



Thankfully medical errors are evidently going down and ranking in about the 20% range. That means that 80% of the reasons for high health insurance prices are neglecting our health and medical inflation. On the surface 20% doesn’t sound that bad, but when you crunch some of the numbers you will be totally appalled.

Get this, and these are recent statistics provided by the Department of Health & Human Services’ Agency for Healthcare Research and Quality. They’ve found that potentially preventable errors that happen during or after surgery may cost employers close to $1.5 billion a year. Yes, BILLION.

That’s a whole passel load of money being spent on fixing medical errors, extra costs that have no business happening in the first place. Consider the significant burden of these extra expenditures on the health care system. But then, you already know that, as you are paying ever-increasing health insurance rates.

Here’s just a quick sampling of some of the medical errors that add to the cost of running the health care system – and by the way – if the mistake made is fixed by the hospital, they try and bill the insurance company for it.

Extra nursing care resulting from medical errors is high up on the list of things filed in the unnecessary costs file and coming in at about $12,196 (33% more costs). Kidney failure or out of control blood sugars came in at $11,797 for 32% more expenses. Pulmonary problems, blood clots etc. was about $7,838 at 25% more expensive, followed by wound opening at $1,426 for 6% more expenses than should have been necessary.

The scariest part of the statistics is the number of preventable deaths – 1 out of every 10 patients who died within 90 days of an operation, died due to preventable errors. One third of those deaths happened after the initial hospital discharge.

This death or injury by medical error problem isn’t new. It’s been around for ages, but not much seems to be done about it. It’s arguable that the high demands on the health care system today would naturally result in errors due to the pressures. But if these medical errors take the lives of over 300,000 people nation wide a year, something has to give.

By: C. Green

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Where to Get Low Cost Health Insurance in Ohio

April 25th, 2010



Thanks to rising medical costs, health insurance rates are at an all-time high. But there are places where you can get cheap health insurance in Ohio.

The first thing you need to look at when considering health insurance in Ohio are the types of insurance that are available. There are four basic plans:

1. Health Maintenance Organizations (HMOs) – These plans set you up with a network of doctors and hospitals who provide your health care. You must choose a primary health care physician who oversees your care and refers you to specialists, and you are only allowed to see physicians within your network.

HMOs are the cheapest of all the health care plans. They have low co-payments, usually $5 to $10 per doctor visit, and involve the least amount of paperwork.

2. Preferred Provider Organizations (PPOs) – Similar to HMOs, these plans set you up with a network of health care providers, but unlike HMOs you may see specialists within the network without getting permission from your primary care physician. If you see a non-network physician you may have to pay the bill yourself and submit it for reimbursement.

PPOs cost slightly more than HMOs, and co-payments average $5 to $10 per doctor visit.

3. Point of Service Plans (POSs) – These plans also set you up with a network of health care providers, but, for an additional fee, you may see a physician who is not part of the network.

POSs generally cost more than PPOs but are more flexible. Co-payments average $5 to $10 per visit.

4. Indemnity Plans – These plans let you choose your own doctor and hospital, and you can visit any specialist you choose. You pay a deductible, usually $500 to $1,000, before your insurance company will begin paying claims. After you pay your deductible, your company will pay most of your medical bill, usually 80%, and you pay the remaining 20%.

Indemnity Plans are the most expensive health care plans and involve the most amount of paperwork.

Low Cost Health Insurance in Ohio

In order to get the best rate on your health insurance policy you need to compare rates from different companies. The fastest way to do this is to visit an insurance comparison website where you’ll not only get multiple rate quotes, you’ll also be able to get advice from insurance experts who can help you find the best policy for your needs. It’s quick, it’s easy, and it’s free.

By: Brian Stevens

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