Archive for the ‘HSA Insurance Plans’ Category

Health Insurance 101 – Video Tutorials, Brought To You By Humana

Author: Kelley Filice Jensen

Sponsored by Humana, these short videos provide concise answers to common health insurance questions received by health insurance providers, health insurance agents and health insurance brokers.  Learn more, make sure you can answer these questions about your health insurance needs.

Can You Change Your Health Plan Anytime You Want? – Video Link

How Can You Get The Most Out Of Your Health Insurance? - Video Link

How Did Healthcare Come About in the United States? - Video Link

How Do Deductibles and Copays Work? - Video Link

HEALTH INSURANCE 101 – Common Insurance Terms

Author: Kelley Filice Jensen

Most things have a language all their own, and when you know the language, everything becomes shockingly less confusing.  Here is a partial list of common terms used when discussing individual health insurance plans and group health insurance plans.  Learn more by watching health insurance informational videos sponsored by Humana.    And, make sure you can answer these questions about your health insurance needs.

CARRIER – An insurance company that provides a health plan.  Examples would be Blue Cross, Aetna, Health Net or several others.  A carrier could also be a Health Maintenance Organization (or HMO) which may not technically be an insurance company, but HMO’s are also carriers that provide health plans.  See More Carriers, and get quotes now.

No Health Insurance is NO Alternative

Author: Kelley Filice Jensen

Health insurance is very expensive, and some people rationalize going without it because they figure that they invest their resources into being healthy, and they never need to go to the doctor.  Their favorite alternative and complementary medicines such as chiropractic, acupuncture, and massage are generally not covered by insurance plans anyway, and even if they are, the chiropractor probably does not accept insurance.  But, not having health insurance is NOT an alternative for those alterative medicines !  Why?  Because, if you are involved in a car accident, and you are laying on the side of the road, scared that your injuries are serious, do you want to be rushed to a chiropractor or to an emergency room?

Temporary Medical Insurance Plans

Author: Kelley Filice Jensen

Temporary Medical Insurance might sound like a good idea if you are in between jobs, have a waiting period before benefits eligibility at your new job, were recently laid off….but, what is the difference and savings between an individual medical insurance plan and a temporary medical insurance plan, and are there worthwhile savings on with a temporary plan?

What is temporary medical insurance and how is it different than regular individual insurance?

Temporary medical insurance plans expire after a period of time, and regular individual medical insurance plans do not.

Child Only Medical Insurance Plans

Author: Kelley Filice Jensen

The concept of buying your child his own medical insurance seems odd and unnecessary, but often times this odd concept can save your family a lot of money, and provide your child with excellent health insurance.  Why?  If your health insurance is through your employer and your employer pays 100% of your health insurance, but pays 0% of your family and dependents, then you pay the cost of including your child on the company’s group health insurance plan.  The rates charged to groups are much higher and can leave you paying more than double an individual policy.

Shopping for Health Insurance, 10 Questions You Need to Answer

This is open enrollment time, when Americans that have health insurance through their work can review their health insurance coverage. And if you do not have health insurance, all of the advertisements about open enrollment may motivate you to consider getting a health insurance plan. Where to start? What do you need? What are your options? Here are 10 questions you need to answer when shopping for health insurance or reviewing your health insurance coverage.

1) Relationship status: single, married, family? Has your status changed? Are you going through a divorce?

Adult Children and HSA’s

Health Care Reform requires health plans to cover adult children to age 26. For plan years effective after 9/23/10, plans that cover dependent children must also provide coverage for adult children through age 26. However, this new rule does not allow out of pocket expenses for these adult children to be reimbursed out of HSAs. Check out more blogs about HSA’s.

This brings up a number of questions for HSAs. These talking points should help you when discussing the impact to HSAs on your family. Review the rules for determining dependent status.

Tax Dependent v. Non-Tax Dependent Child

HSA Case Studies

To Learn more about HSA plans review the following HSA Case Studies.

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