Post on 15-May-2015
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No two plans are exactly alike…
There are the main plans, like Indemnity Plans and Managed Care Plans.
And there are other, more niche, insurance plans.
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Niche plans include: Discount Medical PlansShort-term InsuranceCritical Illness InsuranceDisability InsuranceWorker’s Compensation InsuranceTravel Insurance
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• Discount Medical Plans can help if you don’t have other insurance...but are not a replacement for more extensive coverage.
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WARNING: Discount Medical Plans are NOT insurance.
When you buy membership, you are buying access to a roster of care providers that offer significant discounts to members.
So, be wary of advertising claims such as, “no deductible or co- pay,” or “pre-existing conditions covered.”
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• Reputable plans can help people who can't afford or find insurance get discounted rates.
• Discount medical plans may lower your out-of-pocket costs, but they will not protect you from the financial costs of a medical emergency.
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Short-term health insurance can offer low-cost protection to cover the gap for people transitioning from one insurer to another.
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Who might need short-term? People leaving home for the first
time A part-time employee People in need of student health
insurance Students graduating from college People taking early retirement
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Short-term policies provide low-cost coverage and can be purchased in one-month increments, usually providing coverage of up to $1 to $2 million per person.
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An increasing number of insurers now offer short-term health policies and compete for business through very competitive plans.
You can find and compare these plans on HealthCompare.org.
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Traditional health insurance does not cover lost wages or similar costs that can arise during illness.
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Contract terms for a critical illness supplemental policy have specific rules that define when a diagnosis of a critical illness is considered valid. In most cases, a physician will need to confirm it before this type of insurance kicks-in.
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Consider Critical Illness Insurance if you are worried about the bulk costs of a major injury or illness.
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There are two kinds of Disability Insurance:
1. Short-term
2. Long-term
When you begin considering this coverage, think about how long you’ll need it.
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Short-term disability insurance provides an income for the initial stages of disability, paying benefits for a defined length of time that might be as few as two weeks or as long as two years.
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Employers typically include short-term disability as part of an employee benefits package.
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Long-term disability insurance helps replace income for long periods of time.
Benefits generally end after five years or when the disabled individual turns 65.
Long-term Disability Insurance
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Worker’s compensation insurance protects employers from lawsuits resulting from workplace accidents.
Worker’s compensation is required in nearly every U.S. state, although state laws vary for the governance of workers compensation.
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What benefits does worker’s comp provide? Medical care to employees injured on the job
and compensation for lost income.
In the event of death, worker's compensation will disburse benefits to surviving spouses and dependents.
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There are two things you should keep in mindwhen considering worker’s compensationinsurance. . .
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Worker's compensation insurance is not part of any health insurance policy or group plan and must be purchased separately by employers.
Worker's compensation is a "no fault system," meaning you cannot later sue your employer for further damages.
Travel health insurance coverage can be as flexible as your traveling schedule.
Plans range from as few as five days or for time periods lasting over a year.
If you are planning to be out of the country for more than six months, you need a long term health coverage plan.
Typically these plans provide coverage for accidents, emergencies and illnesses.
If you seek medical attention for existing conditions while you are abroad for a condition you already have, some plans may not cover all of those costs.
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Who is HealthCompare?
HealthCompare is your online one-stop-shop for health insurance where you can research and compare plans online from over 150 national carriers.
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We Promise: To give you the best results for YOU,
we never promote one carrier over the other.
We just assess your needs and show you your best options from national carriers with plans in your area.
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OurPromise
Our Commitment is to YOU:
As a division of The Word & Brown Company who has been the leading source for small group health insurance for over 20 years, we have leveraged technology to build an easy-to-use research tool, supported by a world class customer service team.
#1
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1. You can enter your information
anonymously
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2. You can review your plan options
online in seconds
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3. You can even compare
plans side-by-side
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4. Then, you can apply online or call one of our
trained Benefits Advisors for help!
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Call toll free
877-641-1101
to speak to a trained
Benefits Advisor
or…
Go to HealthCompare.org today!
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