Health Insurance - Medical Underwriting - How to Make the Process Easier

By Sean L Johnson 

If there is one thing that people hate to do, it is to shop for health insurance. The truth is that when people think of looking for medical insurance, the first thing that comes to mind is hours and hours of sitting on the phone. They also think of having to deal with brokers or agents who are trying to sell them certain plans. On top of this all is the endless paperwork that people expect from their insurance plans. Yes, the truth is that health insurance can be incredibly difficult to deal with, especially if you are not insured through your employer. Most people dread going through the medical underwriting process, in which a specialist looks at your medical history and develops rates.
The first thing you have to understand about health insurance and the medical underwriting process is that the insurance business is a business, which means that there are certain steps that they must take to assure that they are making the best decisions for their company. You may not want to hear this, and you may not even feel that this is right, but this is the way the business is run. In other words, instead of getting angry or upset about it, your first step should be to make the process of getting insurance as easy as possible.
If you think about the medical insurance process, as well as pains such as medical underwriting, and decide that there is no way to make these processes easy, then you are giving up too soon. What you need to do is make sure first of all that you are using the internet for your research. There is no longer any reason to go to the broker or agent office and sit there and wait. You can do all of the research you need from the comfort of your home. The truth of the matter is that you will probably get better results to.
What you also need to know is that you can make the medical underwriting process easier for yourself by getting free quotes online. What you need to do is first gather the necessary information, such as your income, your expenses, and your medical history, and then you need to get your free quote. It's important that you are prepared and that you have accurate information. Then you will be ready to get your free quote. As a matter of fact, you can start right now.
If you need assistance in locating particular coverages at a pre-determined price, we can help you save up to 50% on your health insurance monthly premium.

Sean L Johnson is a journalist for Health Insurance Buyer a referral service that refers consumers to the insurance carriers that can best fit their wants and needs. Get a free reduce quote today, you can save up to 50% on medical insurance.

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Do You Need Expat Medical Insurance?

By W Kenneth Vandiver 

If you are living outside of the U.S. then the answer is simple, yes you do. Whatever country you are living in, without a good Expat Medical Insurance plan, you will not have the U.S. style medical coverage you are accustomed to.
Many countries today have some sort of state sponsored medical plan but without your own medical insurance you will not get the kind of service and coverage you will want. There is a Global Medical Insurance plan that could be just what you're looking for, it's ideal for Expatriates. This expat medical insurance plan provides the U.S. style medical benefits you are accustomed to.
This particular expat medical insurance plan has been available for awhile but it has recently been enhanced. Here are the highlights of this newly enhanced Expat Global Medical Insurance plan.
You can custom build this GMI plan especially for your own needs. It provides Flexible Worldwide Coverage to meet your needs and is backed by the Comprehensive World-Class Services that you expect from a good insurer. From routine care to complex case management to emergency medical situations, the company is there with their support services. Regardless of your location, these programs provide you with prompt access to invaluable international services and resources.
The insurer has introduced a New Medical Concierge Program. It is an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you out-of-pocket and medical expenses. The program has been designed to provide critical information on provider ratings, treatment outcome and cost of care prior to receiving medical treatment. Flexible Worldwide Coverage - GMI can adapt to your needs so you can easily design the benefits package tailored to your needs.
The GMI program offers 4 benefit options, each with specialized coverages.
The options are Silver, Gold (new), Gold Plus (originally Gold) and Platinum. Gold plan option - Gold offers the same level of benefits for the first 36 months of coverage as the Gold Plus plan option. Certain benefits will then be reduced beginning the first day of the 37th month (renewal year 3) from the original effective date. This plan option offers significant savings over the Gold Plus plan option. In addition, GMI can adapt to your budget. You can choose from 2 areas of coverage, 7 deductible options and 4 premium modes.
Optional riders available, including the Maternity rider (Silver, Gold, Gold Plus) that includes coverage for new born care & congenital disorders ($250,000 for the first 31 days), many plans on the market exclude this. There is also the Global Term Life Insurance (including AD&D) option and Optional Daily Indemnity. On the Platinum plan you have 2 more Options available, Terrorism Rider and the Sports Rider for Adventure sports. Underwriting options include a new Flexible Underwriting Option with which you may be able to obtain coverage when you have been declined by other companies.
For a nominal administration fee, coverage is extended for a pre-existing condition following 24 months of continuous coverage during which you are symptom free, advice or treatment free for a particular condition.
Thank you for your time and I hope you read more of my articles in the future.

Ken Vandiver is the owner of a number of Travel Insurance and Global Medical Insurance websites.
For further information please visit our website Global Medical Coverage.

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How to Effectively Make Use of Medical Ratings

By A Aaronson 

Medical ratings are geared towards helping consumers to find doctors and medical facilities that are well suited to their health needs. However with all of the information out there it can be frustrating and downright stressful to zero in on the medical professionals that can do the most good for you.
What then is a regular person to do? The first thing you must do before anything else is to be clear about what exactly it is you are searching for. Ask yourself a variety of questions to narrow your focus. Are you looking for a doctor or a particular type of medical facility? Are you looking for a professional who works in general medicine or something else, such as dermatology, gynecology, or podiatry? How much money do you have to work with and what will your health insurance policy cover? It is essential that you come up with a general guideline or outline of what you require before you can research medical ratings.
Before looking in professional channels for medical ratings ask family members, friends and co-workers for recommendations about physicians and medical specialties. It never hurts to hear the personal side of the experiences of other people.
There are a plethora of online sources for medical ratings. If you give yourself plenty of time and can be patient you will find plenty of websites that are valuable in your search. The information will not be the same on every website which is why it helps to visit a selection of sites. Some of the ratings are based on what consumers and former patients have to say while other sites use more sophisticated methods in determining the rating system. As you review each of the points at your sites of choice keep the piece of paper where you outlined your needs close by so you can refer to it as you go about your search. This helps to keep you on track with what is most important to you.
State medical boards are an excellent source of ratings. Speak to someone in the organization in your area for information and recommendations. They can provide more in-depth information about whether a doctor or medical establishment in question has ever had any complaints lodged against them and how the situation was resolved. The more you know about the medical practitioner or healthcare facility the more informed a decision you can make.
Once you are armed with adequate information it is time for you to do your own legwork. Take the medical ratings you have and then go with your own gut instinct. Take a look at the healthcare locations you are contemplating. As far as doctors are concerned there are some that will permit you to schedule a free consultation. Take advantage of that and then you can assess first hand whether the practitioner is a good fit for you or not.
In order to demystify ratings of a medical nature and take much of the work out of it you need to employ a variety of steps that we have described above. Look for a medical professional that you are comfortable with who makes you feel at ease!

Finding good medical ratings does not have to be tough, as long as you know where to go to find them: http://www.angieslist.com/

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The Top 7 Mistakes People Make When Looking For Self Help Depression Information

By Dr Janelle Sinclair 

Many people struggle with finding a successful self help depression method and it's not surprising because 1) the most effective depression treatment is different for each person and 2) there is a lot of incomplete information available on this subject. To assist you in finding an effective treatment for depression this article will discuss the top 7 mistakes that are commonly made when looking for self help strategies. Make sure you don't make the same mistakes.
1) Only looking at the emotional causes of depression: It's well known that depression can be triggered by traumatic events, and therapy for depression often centers on dealing with emotions. One of the big mistakes people make however is not acknowledging or investigating the physical causes of depression. There are over 20 different physical imbalances that can cause depression including hormonal imbalances, nutrient deficiencies, food allergies and exposure to certain toxins.
2) Treating the symptom not the cause: Another major mistake that is made when trying to cure depression is treating the symptom and not the cause. This oversight is not only made by depression sufferers who are trying to help themselves, but it is also made by many professionals too.
An example of treating the symptom and not the cause is a woman that has intensive counseling to help work through her unresolved emotions, when her depression is actually caused by a hormonal imbalance brought on by menopause. The best type of treatment for her would be a herb or hormonal medication that treats the hormonal deficiency.
3) Patient individuality is forgotten: One-size-fits-all treatments are often the norm for depression sufferers. Generally most people with depression are offered antidepressant medications and/or counseling.
As we've learnt depression can have many causes, so therefore it is logical that there should be a number of different treatments for depression depending on its cause. Each person should be treated in an individual manner. For example, a person that is suffering with depression because of an omega 3 deficiency should be treated with an omega 3 supplement, whereas someone that has depression because of a food allergy would benefit from a restricted diet.
4) Randomly trialing supplements or therapies: A lot of people make the mistake of searching the internet and trialing any free approach that is offered. The problem with this strategy is that it is time consuming, random and at the end of it you can't know the quality or completeness of the information that you've received. In addition, although you've only received free information, it can be expensive trialing dozens of random supplements, not to mention the wasted time and the increased period of your life you have had to endure depression. In many cases it is worthwhile paying for a systematic approach from an expert that not only reduces the time it takes to find an effective treatment, but also limits the number of supplements, diets or therapies that you need to trial.
5) Taking the right supplement or medication but the wrong dose: Even if you've randomly found a supplement or medication that treats the real cause of your depression, it's possible that you're not taking the right dose. This is another problem with depression self help. Many people just take the 'dose' of the supplement as is listed on the label of the supplement bottle they have bought. This is such a tragedy because with some supplements those with depression need 10 times the amount of the nutrient than the general population. Don't make the same mistake, because it means that the supplement won't be able to lift your depression. Make sure that the advice you get is specific to depression, and comes from an expert in the field.
6) Using another depression sufferer's strategy: Maybe you know someone that has come through the other side of depression, who has found a therapy or supplement that has been an absolute God-send for them. Should you trial what has worked for them? This is another mistake many people make. They trial an approach that isn't specific for them. The other problem is that if this method doesn't work for you, what alternatives do you have?The key here is to find a method that takes individuality into consideration and that provides many different options.For example, if you've decided to investigate the physical cause of your depression, go with an approach that investigates all of the 20 potential biochemical imbalances.
7) People give up because they think they've tried everything: The seventh and most unfortunate mistake people with depression make is that they give up because they think they've tried everything. When someone has spent years and thousands of dollars in their search for an effective treatment it is difficult to not loose hope. By understanding the 6 mistakes above which will ensure that the approach you choice is specific for you, investigates the cause of your depression, and provides correct information regarding doses of supplements and hormonal medications, your journey will be easier. You'll be better equipped; it will reduce your time and effort, and increase your success to finding an effective treatment for your depression.

This information was brought to you by Dr Janelle Sinclair, biochemist, medical researcher, and natural health practitioner. To find out what biochemical imbalances may be causing your depression visit http://www.breakingfreefromdepression.com and download your free depression report. By finding out the cause of your depression, you can find the best treatment for you. Dr Sinclair also hosts a weekly blog which discusses the physical causes of depression which are so often overlooked. To read her blog on the "Seven powerful self help questions" visit http://www.breakingfreefromdepression.com/free-depression-self-help-questions.

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How to Find Medical Insurance For the Self-Employed

By Tom Carolan 

Self-employed individuals are one of the most significant groups of uninsured people out there. It is a well-known fact that in Georgia, as well as throughout the country, those who are self-employed are often without medical insurance. In fact, it is lack of benefits such as medical insurance that prevents many people from taking the leap to work for themselves. However, many of those people would change their mind if they actually knew how inexpensive it can be to get your own medical insurance coverage. In some cases it may even be less costly than group insurance premiums. Get the facts on individual coverage for you quickly and easily online.
Free online quote tools make it very efficient to shop around for prices on the different medical insurance options available for self-employed individuals or anyone who is without insurance. You simply input your zip code to start and then answer a short list of questions about your medical history and other relevant information. In no time you will have a variety of medical insurance quotes from insurance companies which serve your part of Georgia. It makes comparing prices and plans easy and time-efficient.
By learning as much as possible about Georgia medical insurance you should be able to save yourself a significant amount on your premiums. Opt for a POS plan instead of a PPO, because even though PPOs give you the greatest amount of freedom in your healthcare options, you pay more for this freedom. A POS plan still gives you lots of choice but saves you money. Look for plans that offer money-saving perks like a Health Savings Account, so you can pay for healthcare costs with your pre-tax earnings. Discount cards are another thing you should look for when choosing the insurer to go with. These cards are considered "free perks" but can save you tremendously on various healthcare expenses that you would otherwise have to pay full-price for.
After you have weighed the pros and cons of various health insurance companies and have limited your choices down, it is time to get in contact with them individually. Call up an agent at each of the companies you are considering using and ask for additional discounts. There are often ways to reduce your premium that are specific to each insurer and are not addressed by online quote tools. You may be able to save money by paying for the policy upfront. There may also be discounts if you take out another type of policy, like life insurance, with the same company. You may also be able to knock off a few dollars a month by raising out-of-pocket limits, deductibles and the portion of the co-insurance that you pay for.
Remember that the cost of your self-employed individual medical insurance is an eligible business expense. This allows you to lower your taxable income by the amount you pay out in medical insurance premiums each year.
Follow these tips, learn as much as possible about medical insurance and shop around for the best price. By doing so, you will find the best possible Georgia medical insurance plan for your needs, at a reasonable price too.

BestHealthcareRates.com has helped thousands of individuals, families & businesses find affordable medical insurance. BestHealthcareRates.com is Rated A+ by The Better Business Bureau. For more information on GeorgiaMedical insurance for the self employed visit, BestHealthcareRates.com today!

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Most Affordable Medical Insurance Deal - How to Apply Correctly For Your Desired Health Insurance

By Iyke Phelim 

It is important that people understand their medical needs. This can be done easily by visiting a professional medical personnel periodically. Having a good knowledge of your medical needs will make you search correctly for the insurance plan that suits your need. Do not buy a medical cover plan just because it is cheap and your can conveniently afford it. Your health is a very important issue if you desire to live a happy and active life.
Are you searching for top quality health cover consultation that is free of charge? If you need this service then browse the internet and get reliable websites that offer this service. There are a lot of companies online providing this service; some are agents while the others can be called brokers.
It is not a wise idea to get quotes from only one health cover provider; look for more and study the difference in the packages they offer. At this point, you will likely get an affordable plan that fits your salary.
There are many experts of health insurance and they are ready to offer you quality information that will help you get your desired health cover deal. You will easily connect with leading medical insurance companies nationwide if you use the internet when researching for your medical cover need. At this point, it becomes easier for you to compare rates from similar cover packages and choose your most affordable cover deal.
You can only enjoy great services from leading companies and their agent. This service should be free!
Make sure you understand the fine prints on the contract documents before you sign and purchase them. It will be wise if you understand the contract very well before signing. If you have doubts about any part of the deal from the medical cover providers, ask a legal professional to explain that part clearly for you. Your first step is to compare free quotes online.
Where To Get Free Professional Consultation From Reliable Health Insurance Providers Online?

Here Are My Favorites: AFFORDABLE HEALTH INSURANCE / CHEAP HEALTH PLAN ONLINE
Free Quotes From Leading Health Insurance Companies. Service Available In All States In The United States! By Iyke Phelim. Quality Service Providers. Insurance. Free Quotes. Finance.

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Professional Medical Transcription Services

By Rajeev R 

These days, there has been an increase in the number of companies providing professional medical transcription services to meet the requirements of various healthcare facilities.
MT deals with the process of transferring or converting the recorded dictation of healthcare professionals and physicians into written text. Medical transcription services are advantageous in that healthcare providers can find more time to dedicate to patient care and other core activities.
Speedy and Affordable Transcription Services
MT companies offer fast, accurate and economical medical transcription services in various fields of medicine including cardiology, pediatrics, orthopedics, gastroenterology, radiology, chiropractic, podiatry and internal medicine. All services are HIPAA compliant to ensure protection of confidential healthcare information. Apart from these, MT companies:
* Maintain logs of medical procedures
* Verify accuracy of patient information
* Distribute and collect dictation and transcribed reports
* Guarantee quality assured documentation
* Collect, tabulate and generate reports based on statistical data
These firms transcribe a range of medical reports including operative reports, SOAP notes, physicians' references, entire medical history, diagnostic reports, discharge summaries and more.
Professional Medical Transcriptionists Guarantee Excellent Benefits
To provide error-free transcription service, transcription companies utilize the services of highly skilled and experienced professionals, who are responsible for documenting patient medical records. For the proper transcription of dictations and secure file transfer, these companies utilize hi-tech services. Dictations are accepted through digital recorders and toll free number.
The MT companies guarantee:
* HIPAA compliance
* HL7 transcription interface
* AAMT guideline 65 character line billing
* 3 level quality check
* Browser based file transfer
* 99% accuracy and efficiency level
* Cost-effectiveness
* Accessibility
* Rapid turnaround time
* Flexibility
Entrust Your Transcription Services to the Right Provider
Choosing the right professional MT company is important to ensure accuracy and perfection. It would therefore be worthwhile to spend some time comparing the various service providers, the price structure and services offered to make the right choice.

MTS Transcription Services (MTS) is one of the foremost medical transcription companies providing reliable and professional medical transcription services to Clinics and Group Practices throughout the United States and Canada.

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