August 27th, 2010
Many parents are realizing they must enroll their child or children in the health insurance plan offered through the school for the added protection of their child or children. Unlike years ago, the children today very active in school activities, especially sports related activities. This requires additional health insurance protection in the event of an accident either on the field or off the field.
The parent’s primary affordable health insurance will be the issue of choice when first submitting a health insurance claim, but the school low cost health insurance will pick up the difference from the primary health insurance policy that remains unpaid. This alone will save parents thousands of dollars with out of pocket expenses.
Most of the children who are enrolled in the school’s low cost health insurance plan will afford their children up to five thousand dollars worth of accident coverage. This sure would have come in handy a few years ago when a little boy fell off the school swing and broke his wrist. His parent’s were devastated when they received a bill for a few thousand dollars and they were responsible for thirty-five percent of the health insurance cost.
School health insurance in the higher level increases accordingly to the tune of a seventy-five thousand dollar rider to cover the major accidents and ultimate surgeries that a standard health insurance policy will not cover. However, all medical health insurance claims must continue to be submitted to the primary health insurance provider first before the secondary school health insurance policy will even accept any health insurance claims.
The parents will have to be very patient and wait for the billing invoice to be sent to them before submitting any secondary claims. The school health insurance provider will want to see the cost remaining along with any pertinent bills the individual or the parents have received before accepting the health insurance claim form.
School health insurance policies, unlike the standard low cost health insurance policies are at an affordable price to cover the children for the duration of the school year. The average monthly cost for health insurance will fluctuate depending upon the number of health insurance claims submitted during the previous year, but still it remains very affordable.
The school health insurance policy will cover a multitude of physical injuries including transportation via an ambulance. Other coverage will include everything that is included with the standard school health insurance policy.
August 23rd, 2010
We are all aware that health insurance and injuries sustained in during an individual’s daily activity remain at odds with each other. Even when you purchase a specific affordable health insurance, policy that covers most related injuries the deductible is considerably higher than an average health insurance policy.
It really is an unusual set of circumstances because the individual concerned is usually in the best of health overall. Participating in various daily activities helps to build the body up and strengthen the individual, yet when they have an injury they are turned away from their health insurance provider. Compared to the average population, the healthy individual is:
1. Generally in very good physical condition
2. Most individuals exercise regularly in one form or another
3. Most individuals are generally into the healthier foods today
4. Most individuals generally try to keep their weight in check
What is unfortunate is that in the eyes of the health insurance provider, none of this is a barrier of sorts from the statistically proven health care related injuries that do occur more often with young children and our senior citizens that most care to admit. Currently, there are millions of individuals receiving long-term injuries per year who are involved with various types of accidents. Without even realizing it, this concerns the entire population. Some of the more common related injuries, according to the health insurance industry are:
1. Head concussions and knee injuries
2. Broken bones, whether arms or legs
3. Major fractures of the extremities
The health insurance providers have also performed studies with respect to the more elderly within the population because they are prone to accidents and major injuries as a result. The health insurance industry pays a huge amount in health insurance claims over the long-term injuries, which eventually manifest into a multitude of neurological disorders such as Parkinson’s disease and Alzheimer’s disease.
There are a number of other major long-term diseases and disorders that will show up later in life after an individual has retired and they cause the health care medical community and the health insurance providers to spend much time and expense in helping these individuals live out as normal a life as they are able.
Health care over the past few years has risen tremendously and because of all the high cost health insurance claims that are being submitted, it is getting out of control. These individuals once able to pay for their expenses are having difficulty in now having to pay out of pocket.