Best Health Plans – What You Need to Know

Choosing the best health plans can be a confusing experience these days. There is a plethora of quality health plans available for just about every set of circumstances and budget. The key to determining which plan is best for you and your family is to know the various parameters of insurance plans and understand how those parameters apply to your set of circumstances.

There are three primary factors to consider when selecting a health insurance plan:

1. What is the total out of pocket cost per year going to be? This includes a combination of the monthly premiums, doctor visit co-pays, hospital visit co-pays, prescription drug costs, and last but not least, the annual deductible.

2. Which doctors and hospitals are accessible through the plan? Some plans require that you see only doctors in that plan’s network (except for emergencies); other plans allow you to visit any doctor you choose, however, the co-pays on this type of plan are generally higher.

3. What is the reputation of the health plan based on user feedback? This includes the quality of care provided at in-network facilities and also the efficiency of the payment system (you don’t want to be getting bills for incurred costs that should be covered by your insurance).

The most efficient way to compare health plans directly is by utilizing an online comparative service.

The topic of health insurance is probably not a topic that comes up very often for the majority of the adult population who are employed by companies that provide benefits. It becomes a very important and urgent topic if you lose your job and have only a few weeks to decide whether to continue your insurance through your employer (COBRA) or to seek less expensive coverage on your own.

With the economy being as bad as it is, there are many people making a go starting their own businesses as well. There are numerous high quality health insurance programs available for self-employed persons and small businesses alike.

One thing is for certain: all health plans are not created equal, and the quality of your health plan can have a huge impact on the quality of your life; so choose wisely.

This article was written by the owner of Best Health Plans, an organization dedicated to helping individuals, families, and small businesses find the best health insurance plan for their needs.

App Fog Genius Lessons From A Successful Entrepreneur

App Fog Business Startup Lessons from a Lucrative Entrepreneur

Lucas Carlson is a successful startup entrepreneur. When he first started however, he made a few bad choices that almost cost him big time.

Don’t Skip Business Setup Planning

At first he was just programming an idea for App Fog. He didn’t have a landing page, any bank account, brain storming ideas, or thinking about the ideal customers. Skipping key steps really put him back for years. He would program for weeks, and then finish the app idea. Then program for weeks and finish the idea. He couldn’t get people interested in the idea that was created.

Creating a Landing Page

Finally, he decided to create a landing page one night when he was too tired to sleep or even tell his wife about the programming idea. The app idea was PHP Fog. He tried putting it up on a site before that called Heroku.com. He registered the PHP Fog website and just simply wrote “it’s like Heroku for PHP”. Heroku’s site only allowed for Rudy on Rails applications so he couldn’t put the applications on that site.

Living the Dream

The next morning he woke up and had eight hundred people on his website! He didn’t market it anywhere else. All he did was put one link on Hacker News network. Also, he described the website in more depth. It turned out that the idea was a “hair on fire” idea without even the creation of the project! This gave him assurance that if the effort is put in, the results will be desired. After programming for two weeks. he just only had a prototype and the traffic went from 800 to 4,000 unique visitors per day!

Hair on Fire Problem Equals Confidence

He had identified a “hair on fire” problem. This gave him confidence to program the solution. This changed his life forever! He realized the difference between having a problem that people know they have versus the problems that people don’t know they have. PHP Fog wound up being AppFog. It raised $10 billion dollars and was later bought out.

No Marketing Expenses

He didn’t spend a dime on marketing! It wasn’t an accident. People already wanted the idea and were looking for it. He learned that he could find what people already wanted and then program an application based on what they wanted. He wasn’t taking a “shot in the dark” anymore.

Don’t be Intimidated

Creating a landing page or micro-website is very scary for most people. They don’t want to know if others like their great idea or not. There is a denial psychological part to this way of thinking. It can be self-defeating to the creation of an idea. They will think “Well I believe in the idea so much, that I don’t care what other people think about it”. This philosophy will kill a great idea. Put your “right foot first” and see what people need.

Dental Insurance and Individual Health Plans

One could rarely find and buy individual health plans that also cover dental care. There is useful information that people should know especially if they consider buying the policies separately.

It is estimated that about 45 million Americans currently do not own any dental insurance policy. Most non-elderly citizens who own individual health plans also own dental care policies. However, majority of people who buy health insurance plans on their own do not have dental insurance. This data is according to a report released by Centers for Disease Control and Prevention.

While individual health plans cover several added services like basic emergency care as well as costs of prescription drugs, they logically are not required to include coverage for adult oral care. However, for health care insurance policies for children, dental services are required.

In March 2010, reforms to the healthcare insurance were set. However, despite the push exerted by many advocates, that bill did not include a wider dental component. Supporters and proponents of the reform argued that individual health plans already cover costs for other pressing health conditions like diabetes and heart diseases.

About 75% of 172 million Americans under the age of 65 years (who own private health insurance policies) have dental insurance plans as well. Their employers mostly provide the health insurances. Among those with separate dental coverage, more than a quarter of them have comprehensive plans with dental insurance while a quarter have stand-alone plans. Some have both.

About 90 million American citizens own individual health plans through Medicaid and Medicare, which both do not offer dental care plans for adults. There is no figure available pertaining to public health insurance plans. Medicaid shoulders dental care for people under 21 years old. The insurer currently serves up to 45 million people belonging to the low-income group. However, such patients complain about troubles in finding accredited dentists.

A separate government-sponsored program provides dental care, albeit limited. It is the Children’s Health Insurance Program. As for the older people, they could always opt to purchase separate dental care policies from health insurers.

Do you look for health insurers that also offer dental care plans? Data from the Association for Health Insurance Plans reveal that there are only a few insurers that do so. Those include Cigna Corp, Aetna Inc, Assurant Inc, Humana Inc, and UnitedHealth Group Inc. The association represents up to 80 of overall dental insurance plans in the US. There are also health insurance plans that offer dental coverage as part of health policies. They include several and specific plans from MetLife, Principal Financial Group Inc, and Blue Cross Blue Shield Association.

Experts advise people to buy dental care insurance policies even if they already own individual healthcare plans. Purchasing separate plans is more advisable especially because it would be very hard, if not impossible, to find and buy health insurance policies that also include dental coverage.