Cheap Health Insurance

The cost of health insurance and medical treatment is increasing day by day. As the cost of medical care and health insurance continues to rise, the demand for cheap health insurance is also on the rise.Though cheap health insurance offers only limited service, it is an excellent alternative for those who want to get health insurance at a low cost. As an ideal option for budget minded consumers, cheap health insurance offers adequate health coverage at reasonable rates.Cheap health insurance contributes to the cost of medicine, doctor visits, prescription, and hospital stays; it also provides benefits for eye care, dental work, and other medical expenses. Certain types of cheap health insurance do not cover preventative care, such as doctors’ visits. So while looking for cheap health insurance, make sure that you get what you pay for.Low-risk indemnity plan is an ideal option for those who want a cheap health insurance. Indemnity plan requires you to pay coinsurance amounts and certain deductibles. With indemnity plan, it is possible to modify coinsurance amounts and deductible levels to fit your particular budget. Even though the coverage provided by the plan is of low quality, low-risk indemnity plan is found to be beneficial to budget minded customers.With the help of an insurance agency or an insurance broker, you can find an affordable cheap health insurance. Another option to find cheap health insurance is to browse the internet. There are countless insurance companies that offer all types of health insurance.There are several points to consider prior to purchasing cheap health insurance. The premium cost and coverage of health insurance varies from insurance company to insurance company. So it is necessary to compare cost as well as coverage before choosing a health insurance plan. Also, make sure that you are buying health insurance from reputed companies.

Hospitals Ask For Help To Make Health Insurance More Affordable And Accessible

The Texas Hospital Association (THA) is urging lawmakers in Dallas, Houston and throughout the rest of the state to take the right steps to make health insurance more affordable and accessible to individuals in Texas. The state ranks first in the country in the percentage of uninsured residents (24.6%).“Cover the Uninsured Week,” which is observed nationally to highlight the importance of access to affordable health care benefits, has garnered particular attention in Texas where Gov. Rick Perry has localized the awareness effort by proclaiming April 23-29, 2007 as Cover the Uninsured Week in the Lone Star State.”Everyone pays the price when individuals, families and small businesses cannot afford health insurance,” the Governor stated. “The increasing costs of uncompensated care place a strain on Texas hospitals, other health care providers and on the quality of care every patient receives. Texas recognizes the urgency to take meaningful steps to make health insurance more affordable and accessible.”Nearly one quarter of Texas residents — approximately 5.5 million men, women and children — is uninsured. In addition, the uninsured rate in every major Texas city is higher than the national average, and Texas’ share of uninsured children, more than 25 percent, also is higher than the national average. In 2005, eight in 10 non-elderly uninsured Texans came from working families — nearly 70 percent from families with one or more full-time workers.”Texas hospitals are working with our elected officials in the battle to provide health care coverage to more Texans through the private sector as well as state-funded programs such as Medicaid and the Children’s Health Insurance Program,” according to THA President/CEO Dan Stultz, M.D., FACP, FACHE. Stultz said, “We know that access to affordable health insurance affects all Texans — because we all pay the price when Texans don’t get the care they need.”In addition to working to reverse cuts in Medicaid and CHIP funding, and restoring provider reimbursement rates, the THA supports a number of private-sector measures to increase the number of Texans with health insurance coverage. These measures include:• H.B. 882 by Rep. Elliott Naishtat/Rep. John Davis (S.B. 922 by Sen. Kirk Watson) — These measures authorize counties to establish or participate in regional health care programs, which would provide health care services or benefits to the employees of small employers located in the participating counties.• H.B. 1182 by Rep. John Davis — Requires that state agencies and school districts consider whether a vendor provides health care benefits or equivalent health savings benefits to its employees when awarding a contract for goods or services.• S.B. 1023 by Sen. Royce West — Limits the use of money in the Texas Enterprise Fund to recipients that provide health benefit plans.• H.B. 3321 by Rep. Vicki Truitt — Requires students to be enrolled in a health benefit plan and to submit proof of health insurance before enrollment at a public institution of higher education.
• H.B. 3361 by Rep. Garnet Coleman (S.B. 1681 by Sen. Kip Averitt) — Requires that health care benefit plans allow unmarried children of any age to be covered under a parent’s or grandparent’s health insurance policy or plan if the cost of the premium is paid.When uninsured Texans are sick, they currently often turn to hospital emergency rooms because they have no primary care physician. Stultz noted that nearly 20 percent of people who lack health insurance report turning to the ER for what is often routine care, compared to only three percent of those with insurance coverage, according to the National Coalition on Health Care.”Using hospital emergency rooms for non-critical care takes precious time and scarce resources that doctors, nurses and other health care professionals could put to work for those patients who truly need life-saving care or intervention for serious medical conditions.” Adding that Texas hospitals spent more than $10.1 billion in 2005 to care for patients who have no health insurance, Stultz said, “The costs of uncompensated care strains our physicians’ and hospitals’ ability to provide quality care to all patients — regardless of their insurance status. It also places undue burdens on local taxpayers, workers and health care consumers.”Health care experts say that increasing the number of people with health insurance will further enhance the quality of care and help reduce the losses that result from doctors and hospitals treating patients with no health insurance. Uncompensated care limits the financial resources available to invest in new technology, electronic communication, education and other enhancements that would improve patient care and outcomes for all patients.If you’re a young, healthy individual who lives in Dallas, Houston or elsewhere in Texas and you’re going without health insurance, you’re running a considerable, and unnecessary, risk. Instead, you should take a look at the revolutionary, comprehensive and highly-affordable individual health insurance solutions created by Precedent specifically for young, healthy individuals. For more information, visit us at our website, [http://www.precedent.com]. We offer a unique and innovative suite of individual health insurance solutions, including highly competitive HSA-qualified plans, and an unparalleled “real time” application and acceptance experience.

Online Education Consultants – Your Guide for Making the Right Decision

You have decided that you will take your education and skill knowledge a step further by doing a higher education course or degree in your field or niche. But plethora of options of online courses, universities, college, institutes offering online course has made you confused to zero down on one option. In such a situation a professional help can guide you through making a correct career option.Education consultant is a person who can give you professional education guidance on selecting the right course, potential college which will take your professional career graph higher. Such education guides or consultants are experts in their field and have great knowledge and skills to guide students for choosing the best option available for them.Benefits of Education Consultation1) Personalized AttentionAs the competition in education sector has reached a cut throat level it has made the process of college and course selection for students highly time consuming and a complex one too. Selection of a course and college is very important as whole of the value depends on it. Same course is offered by 100s of universities and college but what really make a difference is what they are offering, the content of the course, the reputation of the institute, and in this an education consultant can help you.Educations counselor will communicate with the students understand their current career status; get information about their further aspirations. On the basis of all this they will provide you with the best suited course programs offered by different universities. They will help you through the research process and make you understand how to find the effectiveness of the education course.2) Offer Best GuidanceWorld Wide Web (internet) is one place where one can get enormous information about anything. But vast information gathered can also fall short to answer your personal questions and queries like: Which college is good? Whose course content is better? Which online course will fulfill my career needs?An education mentor will be able to help you through all your queries and helps in organizing things for you. He will draw the information in such a manner that it will be the best for your needs. His vast knowledge about the colleges, courses being offered can assists the students to get enroll in the best suitable colleges according to their needs, capability and goals.3) Online Education ConsultationThere are many consultants which provide online education consultation to students. They provide you online discussion in choosing the right course selection which helps you rise in your career path.Know don’t stress you on making the right college selection, contact online education consultant to guide you in selecting the best choice as per your needs.