Health Is The Most Important Wealth

If you're fortunate enough to have employer-provided health insurance, that narrows your options down to the plans that your employer offers. If you don't have coverage through your job, perhaps an organization or association that you belong to will allow you to buy health insurance through them at a group rate.

Another option is to check your local Obamacare health insurance marketplace to see if you qualify for an upfront premium credit, which would get you reduced premium costs. Even if you don't qualify for the credit right away, buying your health insurance through the marketplace means you may qualify for it when you file your tax return for the year.

If you can't, or won't, get health insurance from any of these sources, you'll have to fall back on buying a private plan. It will give you the widest range of options, but likely will be far more expensive.

Decide which type of policy to buy

Health insurance policies come in a variety of basic types, although you may not have access to all of these options through your preferred source. Health Maintenance Organizations (HMOs) are a very common type of health insurance policy. With an HMO, you're required to use healthcare providers within the policy's network, and you have to get a referral from your primary care physician in order to see a specialist.

Preferred Provider Organizations (PPOs) are also quite common. A PPO health insurance policy has a network, but you're not limited to in-network care – although using network providers is cheaper – and you don't need referrals to see specialists.

Exclusive Provider Organizations (EPOs) are a hybrid between HMOs and PPOs. You're required to stick to the plan's network, but don't need referrals for specialists. Finally, Point of Service (POS) plans are a less common option that are essentially the opposite of an EPO. You're not limited to the POS plan's network, but do need a referral to see a specialist.

Of the four common types of plans, an HMO or EPO tends to be cheaper than a PPO or POS with the same level of coverage. However, if network coverage is poor in your area, or you're uncomfortable limiting yourself to network providers, it may be worth paying a little more to get a PPO or POS policy.

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High deductible versus low deductible

All things being equal, the higher a plan's deductible is, the lower the monthly premiums will be. A high deductible means that you'll have to pay a lot of healthcare expenses yourself before the insurance policy kicks in, but if you have a few or no medical expenses in a given year, these plans can be a bargain. Very low medical expenses means that you probably won't surpass the deductible, even of a …

Health Insurance: Why It Is Important

In case you don’t know, health insurance is a type of assurance that is given based on agreed terms in case the insured person falls sick or needs medical treatment. The insured life may have a chronic condition requiring medical care for years to come. Let’s know more about it.

Who will pay for the medical expenses?

This is one of the most common questions that people ask. If you have a health insurance, you can have the peace of mind that your health will be taken care of. Actually, it is a type of agreement or contract between you (policyholder) and the company providing health insurance. The purpose of the agreement or contract is to provide protection against costs. At times, the costs are so high that the sick person is unable to pay the bills. As a result, the person is unable to get the care he needs to recover.

While you will pay a monthly or annual premium, you should expect that the amount of premium you are going to pay would be far less than the amount you would pay in case of illness.

Keep in mind that health insurance is a type of benefit that a non-profit organization, private business or a government agency provides. In order to figure out the cost, the company gets an estimate of the collective medical cost of all of the people in the state. Then the risk is divided among the policy subscribers.

As far as the concept goes, the insurer knows that one person may suffer from huge unexpected health care expenses while the other person may incur no expenses at all. So, the expense is spread across a large group of people in an effort to make the health insurance much more affordable for all the insured lives.

Aside from this, public plans are funded by the government. Therefore, they offer extra health insurance to the vulnerable groups like people with disabilities and seniors.

Let’s take an example to understand the concept better. A person with Cerebral Palsy needs special treatment through their lifespan. It’s understood that a chronic illness costs a lot more money than a standard care. Cerebral Palsy may result in a physical impairment that may last for the whole life of the sufferer.

The treatment for this condition may require regular doctor visits, many therapies and long hospital stays. Based on the degree of impairment, you may need special health insurance. Many health care professionals will involve, such as vocational therapists, occupational therapists, physical therapists, orthopedic surgeons, radiologists, pediatrician, neurologists and so on.

Some patients may need the services of more than one. Some may even need a speech pathologist, registered dietician, cosmetic dentists or urologist, to name a few.

So, the coverage offered can help you get some relief as far as the burden of the expenses is concerned. If you don’t sign up, you may suffer from a lot of financial strain and you may need help from other sources like …

Why It’s Important Your Kids See A Pediatric Dentist And Transform Smiles

Parents and teachers love to watch a child’s teeth sparkling and shiny with a bit of rainbow and move around as a nonstop ball of energy. Busy parents are finding solutions to focus on the child’s oral health. They don’t want to find a great, encouraging smile on the child’s face and don’t want to find a terrified face suffering in pain with tooth decay. Children with healthy teeth develop good food habits, speak coherently, perform better in school and smile their way to glory. The American Dental Association and the American Academy of Pediatrics recommend that parents should take their child to the dentist before their second birthday, or as soon as the first tooth appears.

Early dental checkups will help your kid’s teeth healthier and remain cavity-free throughout their lives. Tooth decay or cavities is the most common chronic disease among children and young adults in the United States. The Centers for Disease Control and Prevention (CDC) reports that over 40 percent of children have decayed by the time they reach kindergarten. Regular dental checkup will ensure their teeth and jaw are well developed, prevent the growth of bacteria which lead them to dental issues such as tooth decay or inflammation of gum tissue. Good habits and regular visits to a children’s dental care center will improve the child’s dental and overall health, and make them positive.

A professional pediatric dentist will provide advice to the child for maintaining their oral health so that they will have excellent dental hygiene in their adult years. As a parent, it is important to ensure preventive dental care that includes flossing and brushing your child’s teeth with a soft, child-sized toothbrush and water. This will help protect their child’s teeth and gums. Healthy teeth pave way for easier speech development, chewing and breathing, and retaining nutrients. It is imperative to your child’s dental health that they stay away from foods rich in sugar and starch and maintain a balanced diet, eat a variety of foods from each of the five food groups. In addition, parents should not allow young children to go to sleep with a bottle of milk or juice and fall asleep and help them remain cavity-free. A pediatric dentist will apply sealants and use topical fluoride agents and reduce the risk of cavities significantly.

Preventive pediatric oral health intervention will fight plaque and tartar and reduce dental expenditures greatly.

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