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Free Book: Health Insurance Plans - How To Choose The Best Medical Insurance Plan


Health Insurance Plans

How To Choose The Best Medical Insurance Plan

How To Choose The Best Medical Insurance Plan

This guide will show you exactly how to locate the best health insurance plan for your location while avoiding the single most expensive health insurance mistake.

You owe it to yourself and to your family to acquire this essential information. Get this guide today!

Table of Contents
1. The Single Most Critical Factor in Getting the Best Health Insurance Plan
2. Health Insurance Overview
3. Eighty Three Great Health Insurance Tips and Ideas
Special Bonus:
4. Sixty One Ways to Save Money

Click Here! to Download the Free PDF eBook

Sample Content:

Health care is expensive and few individuals can afford to pay the full costs. Having health insurance allows you to get the treatment you need without incurring huge medical bills. 
Most Americans have private health insurance or participate in public programs, such as Medicare or Medicaid, but many Americans are uninsured due to finances and/or pre-existing conditions.
Under the Affordable Care Act (Obamacare), all Americans are able to get health insurance regardless of income or health history.
Affordable Care Act
The Affordable Care Act allows all Americans to get comprehensive health insurance and offers new rights and protections. Some provisions of the law have already taken effect while others will be implemented in the coming years.
You can now enroll in health insurance through your state's Health Insurance Marketplace. The Marketplace can help you compare plans and find one that fits your needs and budget.

States decide on the benefits provided under Medicaid, but Medicaid usually provides health care for low-income children and families, and people with disabilities. Covered services usually include doctor visits, hospital care, vaccinations, prescription drugs, vision, hearing, long-term care, and preventive care for children.
Medicare is a government health insurance plan for people 65 or older, people under 65 with certain disabilities, and people with end-stage renal disease. Medicare helps to pay for care in hospitals, skilled nursing facilities, hospice care, and some home health care. Coverage can also include doctors’ services and prescription drugs.
Under the health care law, Medicare benefits have been expanded for preventive care and drug coverage. Medicare is not part of the Health Insurance Marketplace, so—if you have Medicare—you will not need to take any action as a result of the new Marketplace. 
COBRA: Keep Your Insurance If You Leave Your Job
The Consolidated Omnibus Budget Reconciliation Act (COBRA) can help you temporarily keep your health insurance even though you left your job. Eligibility for the program is based on the reason you left your job, and even if you get to keep your insurance, you may be required to pay the entire premium for coverage.

Health Insurance for Children: CHIP
The Children’s Health Insurance Program (CHIP) provides free or low-cost health coverage for low-income children. Each state decides on the benefits provided under CHIP, but all states cover routine check-ups, immunizations, hospital care, dental care, and lab and x-ray services.

How to Appeal a Health Insurance Claim
If your health insurer has denied coverage for medical care you received, you have the right to appeal the claim, and ask that the company reverse that decision. You can be your own health care advocate. Follow these five steps:
Review your policy and explanation of benefits.
Contact your insurer and keep detailed records of your contacts (copies of letters, time and date of conversations).
Request documentation from your doctor or employer to support your case.
Write a formal complaint letter explaining what care was denied and why you are appealing through use of the company's internal review process.
If the internal appeal is not granted through step four, file a claim with your state's insurance department.

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