Posted on 20th July 2010 by Holly Bentz in Politics
business, education, family, health, health care, health insurance quotes, Insurance, Internet, investment, medical, medicine, michigan medical insurance, Politics, Self Help
Although a few of laws defined in the Patient Protection and Affordable Care Act (PPACA) are becoming effective for consumers buying Michigan health insurance, consumers should beware of health care fraud. Insurance fraud is the leading cause of skyrocketing Michigan health insurance premiums.
National reports estimate that more than three-fourths of the Michiganites, who do not have medical coverage, today will carry Michigan health insurance in the future.
In the interim, insurance fraud is a mainstay for ongoing concern. Use the following tips to avoid falling prey to a scam:
As far back at 1980, Blue Cross Blue Shield of Michigan has exposed more than $238 million in insurance fraud. From stealing one’s identity, submitting fake medical claims to the misrepresentation of being married health care fraud is prevalent crime.
Based on reports released by Blue Cross Blue Shield, charlatans pose as insurance agents to abscond consumers’ social security numbers. To prevent victimization, never provide any person a social security number or other personal account information over the phone. Instead Contact the company to verify any account discrepancies.
Although open enrollment has an abbreviated time span; deadlines are non-existent for purchasing family or individual Michigan health insurance coverage. Consequently, time sensitive \ ’special offers’ are non-existent with most legitimate health plans.
Since identity thieves are quite crafty at absconding personal information, always validate that the agency’s or agent that the agent or agency’s license is up-to-date. Finally, avoid doing business with any Michigan health insurance company, where the marketing materials are missing fundamental (in example: an exact street address, an email address and a contact phone number).
Although the purpose of the PPACA is to enable Americans to obtain health care, laws do not mandate that policy premiums be withdrawn from a Michigan health insurance policyholder’s credit card or bank account.
MichiganHealthandLife.com offers free health insurance quotes, advice and a wealth of information regarding Michigan medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.
Posted on 31st May 2010 by Holly Bentz in Politics
business, family, finance, health, illinois life insurance, Illinois medical insurance, Insurance, medical, medicine, news, Politics, Self Help
Dating back to 2008, a surge in consumer scams foretells a presage. Across the state and among local municipalities, reports are inundating agencies regarding consumer fraud cases, associated Illinois life insurance and Illinois medical insurance. For the most part, unscrupulous insurance professional are selling fake health plans (such as ObamaCare) or are making off with consumers’ funds for Illinois life insurance.
The Schmidts of Gurnee, Illinois were embezzled out of their life savings of half a million dollars by an agent, who was married to their niece. Their investment never made it to the accounts. Investigators learned in another life insurance scam, that licensed agents were opening bogus life insurance policies and obtaining the benefits.
The bulleted items, below illustrate techniques to preclude being the next victim to an Illinois life insurance policy or health plan bamboozlement:
Regardless, if is for an Illinois medical insurance plan or for an Illinois life insurance, policy the primary upshot to finding an agent, who represents a slew of leading corporation is the ability to compare benefits and abbreviate the time it would normally require to shop around for Illinois life insurance quotes or to compare viable Illinois medical insurance plans.
Regardless of the timesaving, threes techniques alleviate the chances of being duped by an insurance advisor. 1) Verify that the agent’s is license is current and valid to sell Illinois life insurance or provide Illinois medical insurance quotes. 2) Confirm professional ethics with the Illinois Department of Insurance, Illinois Securities Department and the Attorney General’s Office to ascertain whether the agent has any outstanding complaints. 3) Conduct-a background check via Google. Simply, input the agent’s name followed by a comma, and the following other keywords: “fraud,” complaints,” “scam.”
* Anytime an agent suggests inflating net worth or income so that the beneficiary can obtain higher benefit from an Illinois life insurance policy, report the case to the Illinois Department of Insurance.
* Make checks payable to the Illinois life insurance company with a notation about the policy. Additionally, never sign checks made payable to the agent or representative, providing the Illinois life insurance quotes.
* In spite of the economical feasibility and attractive the benefits seem, do be tempted by any Illinois life insurance policy touted to provide “double” the returns. Even though open enrollment for Illinois medical insurance exists in condensed timeframe, high-pressure sales’ and coercive tactics are ethically unacceptable and a warning sign to shop elsewhere.
IllinoisLifeandHealth.com provides complementary health insurance quotes, advice and a wealth of information about Illinois life insurance and Illinois medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.
Posted on 2nd April 2010 by Holly Bentz in Politics
business, education, family, finance, health, Illinois medical insurance, Insurance, Internet, investment, medical, medicine, news, Politics, Self Help
Residents with or without Illinois medical insurance, how will the national health reform impact them? Even though all the complete details for the prospective national health reform bill remain undisclosed to the American public, industry analysts have divergent opinions about a new health plan.
President and licensed Illinois medical insurance agent, Mike Novelli agrees that there is a need for reform, “I’ve witnessed the rejection. It’s unfair that tax paying citizens are unable to obtain an Illinois medical insurance policy due to a pre-existing medical condition.”
Other health insurance analysts contend that a high percentage of uninsured Americans have made it a conscious choice not to have insurance. The problem is that when these people are struck with an illness and hospitalized, they are unable to pay the medical bills.
To balance the financial burden of those individuals, who do not carry an Illinois medical insurance policy, hospitalization charges continue to inflate. In an effort to maintain a profit, the domino effect causes insurance agencies to increase premiums and coinsurance caps. The outcome is that the insured endure the financial duress of the uninsured.
Other experts, familiar with the situation, theorize that carrying health coverage should be a national requirement like auto insurance; whereby, the government prohibits insurance providers from rejecting individuals diagnosed with a chronic pre-existing medical condition.
In the state of Illinois, estimates show that some 3-million residents do not have health insurance. Alternatively, a percentage of Illinoisans are opposed to the reform because they forecast that the national reform plan would only prove to discourage innovation, triggering a shortage of qualified physicians.
Mr. Novelli perceives the reform as a positive change for educating Americans about how to purchase a health policy. “I witness many consumers, who are baffled by the entire process to acquire a feasible Illinois medical insurance policy,” says Mr. Novelli.
Additionally, Mr. Novelli recommends that the smartest consumer approach is to finding a feasible Illinois medical insurance takes a little perseverance: obtain two to three medical quotes, compare plans for affordability and sufficient coverage that includes health care necessities. In the interim, residents, who need an Illinois medical insurance plan, can, only yearn for a national reform with similar qualities.
IllinoisLifeandHealth.com offers complementary health insurance quotes, advice and a wealth of information regarding Illinois medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.
Posted on 12th March 2010 by Mike Novelli in Politics
business, education, family, finance, fitness, health, healthcare, investment, medical, medicine, michigan life insurance, michigan term life insurance, Politics, Self Help
Michigan life insurance policy mollifies those extenuating life altering scenarios. The ultimate value for purchasing a Michigan life insurance policy is to have a financial contingency plan for loved ones. It does not matter if a person is married or single, seven situations give good cause to purchase a Michigan life insurance policy, including:
Financial obligations. Married couples often purchase a life insurance policy as a financial cushion to cover expenses in the event of tragedy. Most married couples assign each other as the life insurance’s beneficiary.
Divorce declaration. Financial responsibilities do not disappear when couples part ways. Consequently, life insurance is a viable consideration of the divorce decree. Additionally, in situations where one ex spouse pays child support, a Michigan life insurance policy ensures protection for the parents or children in the event of a mishap.
Single parenting. A Michigan life insurance policy represents an income substitute, if something should happen to a single parent; at least the children have a modicum of financial stability.
Other dependents. Moreover, life insurance protects other family members, who are financially dependent (in example: siblings, parents, spouse) upon the household’s main source of income. Also, a Michigan life insurance policy acts a simple catalyst for creating an inheritance nest egg for beneficiaries.
Estate taxes. Quite often, consumers opt for a life insurance policy to offset heir’s estate taxes. In this case, a Michigan life insurance policy would ensure that the heirs don’t have to settle for a reduced inheritance or liquidate other assets.
Final arrangements. In the event of death, a Michigan life insurance can cover funeral, burial, other estate administration costs and, remaining debts.
Forced savings. When the death benefits go unpaid, certain Michigan life insurance programs have a cash value policy, enabling the account holder to withdraw or borrow against the plan. Even more redeeming is that the interest is tax deferred; but not all life insurance policies offer the same benefits.
Michael Novelli is a licensed Michigan life insurance agent, providing fuss free, professional advice and quotes. Please visit MichiganHealthandLife.com for more life insurance information or to obtain a free quote.
Posted on 22nd February 2010 by Holly Bentz in Politics
business, diet, education, family, finance, fitness, health, health care, Illinois health insurance, Illinois medical insurance, medical, medicine, Politics, Self Help
Forgoing Illinois medical insurance heightens death toll potential. As the health insurance reform bill remains unsettled, several research studies depict the risk of a higher mortality rate among the uninsured. From developing cardiovascular disease or cancer, to suffering from a traumatic injury, data indicates that being without Illinois medical insurance is merely a detrimental prospect.
A recent publication, regarding the study of 1231 patients recovering from head or neck cancers from 1998 through 2007 at the Pittsburgh Medical Center, compared the survival rate of patients who were insured to the uninsured. Fifty percent of the 128 patients, who were on Medicaid or were without health insurance perished. In comparison, fewer than 23 percent of the patients with medical coverage passed away.
Among traumatic injury sufferers, similar death discrepancies were notable. A group of researchers of Children’s Hospital Boston and Harvard Medical School compiled statistics from the National Trauma Data Bank, which has a database of 2.7 million patients admitted to trauma centers throughout the United States. Evaluating patient admissions from 2002 and 2006, researchers reviewed 687,091 adult medical records.
The study correlated a significant link between the mortality rates of the uninsured patient versus the insured. Researchers tried to rework the data to eliminate any findings associated with age, race and gender; nonetheless, the statistics showed the same high mortality rate amongst individuals without insurance. Even more perplexing, Medicare members had a survival rate comparable to the insured patients.
Researchers compared the mortality rate of 29,829 patients admitted at the Department of Surgery, Division of Trauma and Critical Care, Cedars-Sinai Medical Center from 1998 to 2005. Uninsured patients accounted for 68 percent of the patients. Again, the data among the non-insured younger, less severely injured had a higher death rate than the insured counterparts.
Although hospitals provide treatment, it is undetermined whether the difference in medical care occurs during hospitalization. Even without any specific clinical trials comparing the death toll of the uninsured to individuals with Illinois medical insurance, the Centers for Disease Control has data suggesting that the rate of Illinoisans not having Illinois medical insurance has been spiking for the last decade.
In the interim, cardiovascular disease maintains its status as a leading killer United States. The American Heart Association made note of a 33 percent escalation of cardiovascular inpatient operations from 1996 to 2006. Given the emerging rate of cancer, heart disease diagnoses, a lack of health coverage foretells a fatal outcome.
Illinois medical insurance consultant, Michael Novelli “Despite the fact that cancer and cardiovascular diseases are not completely preventable, individuals with medical coverage are more apt to have early detection, assuring better medical care. An abundance of managed care Illinois medical insurance plans are economical enough to impede additional medical casualties.
Bookmark or visit Illinois Life and Health.com for more information regarding Illinois medical insurance. The site maintains the latest resources, news, and free health insurance quotes, online.
Posted on 21st January 2010 by Holly Bentz in Politics
blue cross, business, disease, finance, fitness, health, healthcare, Internet, medical, medical insurance, medicine, Michigan health insurance, michigan health insurance quote, Politics
Licensed insurance broker, Mike Novelli says: “Comparing quotes as in exercising the patient’s bill of rights is in the consumer’s best interest.” With one in four citizens having a health maintenance organization (HMO) as medical coverage, it appears to be a popular form of health insurance in Michigan. Despite Blue Cross Blue Shield of Michigan being the state’s leading provider, Michiganites fall short of shopping around to compare Michigan health insurance plans.
Exercising patient’s medical rights by comparing quotes prevents the pangs of unforeseen medical expenses. To ensure that you buy the best coverage, obtain medical quotes from a pool of local insurance providers. An insurance agent, who is licensed in Michigan, can expedite understanding the terms of health plans.
What benefits are in included with the Michigan health insurance plan? Despite Blue Cross Blue Shield of Michigan’s basic benefit requirements, specific medical services are not included, which may be needed for individuals afflicted with certain health necessities (in example: cancer, diabetes, mental health care).
How much should the consumer expect to pay out of pocket (deductibles, co-payments for physician’s visits, co-insurance)? Calculate the frequency of needed medical care, the cost of the affordability of the policy to the annual budget.
Inquire about which services require preauthorization. Various medical policies inflict stringent, preauthorization requirements, accounting the policyholder financially responsible for services rendered.
Ask about the protocol for medical services, requiring, preauthorization. Some health plans accompany stiff preauthorization requirements, financially obligating the policyholder to pay out of pocket. Review the health plan’s definition of “emergency room” visits. Remember not all emergency visits necessitate coverage.
In the end, an ounce of prevention and exercising one’s patient bill of rights alleviates unforeseen bills and an inability to maintain Michigan health insurance.
Bookmark or visit Michigan Health and Life.com for additional information regarding health coverage in Michigan. The site maintains the latest news, resources and a free Michigan health insurance quote, online.
Posted on 17th November 2009 by Mike Novelli in Politics
advice, disease, doctors, education, family, finance, health, home, Insurance, medical, Michigan health insurance, michigan health insurance quote, michigan medical insurance, Politics
Michigan health insurance coverage is equivocally as important as carrying a car insurance policy. A chronic illness like diabetes, cancer could render someone financially destitute. The financial woos, of unemployment and a recessed economy, leaves many Americans forgoing health insurance coverage.
Between the growing cost of hospitalization, prescriptions and diagnostic testing, it’s no secret that the cost of medical care services. It is the reason that legislators are trying to make health insurance coverage a legal obligation.
Some Michiganites think that because they have health insurance through their employer that they are covered. For others, the homework of finding a low cost plan with adequate protection is too involved.
Although no own can predict hospital bills, there are tactics to buying an affordable health plan. Michael Novelli, an insurance broker analyst of MichiganHealthandLife.com recommends the importance of having a Michigan health insurance before a serious medical complication arises.
Mr. Novelli advises that not carrying insurance today can ultimately minimize future affordable health insurance.
Exercise prudence in your selection of affordable medical coverage. As Michigan health insurance vary from policy to policy. Apply for a minimum of three health insurance quotes from different insurance agencies. To ease shopping around for quotes, find a licensed broker who represents several companies.
Besides searching for an economical Michigan health insurance policy, shop for policies that meet the following guidelines: 1) Select a health plan providing coverage from mega medical costs. 2) Opt for a policy that is effective the day of your first payment. (Various health insurance plans require that new members wait a specified time before taking effect).
Also, be sure that the insurance plan features a “free look” clause, meaning that you have a minimum of 10-days to rescind the coverage.
For additional information regarding Michigan health insurance, bookmark or visit www.MichiganHealthandLife.com in Michigan. The online resource doubles as a library and health insurance quote portal.
Posted on 16th November 2009 by Mike Novelli in Politics
business, Chicago health insurance, education, family, fitness, health, health insurance quote, healthcare, Illinois health insurance, Illinois health insurance quote, medical, medicine, Politics, Self Help
With so many unanswered details of the health care reform plan, predicting the cost of Illinois Health insurance quotes proves to be an enigma. While there’s no set price on the cost of health insurance, consumers shopping for an affordable policy have a modicum of ammunition.
Calculate health plan costs, itemizing the following list of products and services. Bear in mind that Illinois health insurance plans are calculated based on the various health costs (age, prescriptions, types of medical care, number of covered members and other options. For instance, cancer screening, MRIs, mammograms and other diagnostic tests contribute to health care costs. Also, itemize eye examinations, vaccinations and any other medical expenses.
Prioritize medical services and products. Next, compare the cost of having these services covered under your Illinois health plan. For example, if your current, medical care includes an annual eye examination, then compare the cost of premiums versus having to pay for the medical service out-of-pocket.
Organize medical products and services in the order of importance. Then, calculate how much could be saved with or without such health services of the Illinois health insurance. Let’s say that your current medical program covers the cost of eye examinations, your next step would be to compare the medical service expense to the cost of the insurance premium.
Search for an insurance representative, who is licensed and can provide different Illinois Health Insurance quotes. Obtain at least three health plans quotes to compare costs. In Illinois, the licensed insurance consultant company, Illinois Life and Health.com offers Illinois health insurance quotes for Aetna, Blue Cross/Blue Shield, United Health Care and Anthem.
Review each quote provided by your insurance agent, comparing benefits versus costs. Evaluate each quote according to the following questions: What are the annual limitations for each medical service? What is the maximum you will have to pay for out-of-pocket expenses each year?
For each health plan policy, compare family and individual premium costs, coinsurance and deductibles.
The due diligence, required to select an affordable Illinois health insurance quote, necessitates comparing all expenditures according to your discerning health requirements.
For additional information about health insurance coverage in Illinois Bookmark or visit: IllinoisLifeandHealth.com. The site is a one-stop shop for latest news, and Illinois health insurance quotes.
Posted on 30th October 2009 by Holly Bentz in Politics
business, disease, family, finance, health, health insurance, healthcare, Insurance, medical, medicine, news, Politics, Self Help
This year’s flu concerns should heed caution for individuals, who do not have Illinois health insurance. At present date, the H1NI has assumed 20 lives and hospitalized 476. [Source: Illinois Department of Health http://www.idph.state.il.us/h1n1_flu/sf_statistics.htm] Between the sick days, doctor’s visits and other medical necessities, the uncertainties of the H1N1 virus are too ominous to chance until the Obama health plan is finalized.
It is estimated that some 250,000 children in the state of Illinois do not have medical coverage. With the death of a Naperville high school student, uninsured families have a few affordable health care plans. [Source: http://www.allkidscovered.com/]
The Kronishs’ experience with H1N1 was a sickeningly expensive fiasco. When Mr. Kronish lost his job, the cobra benefits for a family of six was too expensive to maintain on a $57,000 annual income. Not to mention, all four children aged eight, 11, 13 and 14 had been a pillar of good health.
After their 11-year old son complained of all the symptoms associated with H1N1, an emergency room visit turned into a 23-hour observation; and, thus a $3500 bill for all the tests and overnight stay. In an effort to prevent more of the same, the remaining Kronish family members were vaccinated, costing an additional $375.
The cost of a doctor’s office visit or clinic consultation ranges from $60 to $150 if one does not have insurance. Vaccinations are $75 to $85. In Illinois all medical providers are required to dole out H1N1 vaccinations to insured patients, directly billing the insurance company. Additionally, various big box stores, such as Osco Drugs, Walgreens and CVS are providing vaccinations in coordination with the insurance companies.
The H1N1 virus exemplifies how a simple emergency room visit and an overnight observation can add up to an expensive incident that a normal Illinois health insurance policy would cover.
Bookmark or visit Illinois Life & Health for more information pertaining to Illinois medical insurance. The site maintains the latest news, resources and a no obligation Illinois medical insurance quote, online.
Posted on 25th October 2009 by Mike Novelli in Politics
business, family, finance, health, health and family, health and fitness, health insurance, healthcare, Insurance, medical, medicine, michigan, news, Politics
Available in a variety of Michigan health insurance plans, selecting the right policy leaves many consumers baffled and quite often with unsuitable policies or none at all. Shoppers, looking for the most affordable monthly premium, usually end up with medical coverage, garnering too many out-of-pocket costs. An inflating unemployment deficit and uninsured setbacks, coupled with skyrocketing hospital bills continue to plague Michigan’s financially distressed citizens.
Approximately, 47 percent of Americans don’t understand their health insurance or the difference between co-payment, deductible, and coinsurance. The problem is that consumers shopping for Michigan health insurance are unaware of what they’re buying. In the end, many are left to pay medical bills they thought their policy would cover.
As a first time expectant mother, Wanda Jones, was excited about giving birth. However, the affordable premium health plan that she bought as a small business owner uncovered some unforeseen surprises. Ms. Jones thought that her $2000 deductible should cover the cost of her hospital bill, when she learned that it would be an additional $4000 for the delivery of her baby.
Insurance analysts share that consumers often misconstrue the terms of having health insurance to mean that everything is covered. In the long run, confusion about medical coverage proves to be costly. As was the case of Ms. Jones, the owner of a craft shop in Ann Arbor, failure to ask specific questions changed the course of several events. Her deductible to deliver her baby was more than she held in her savings account. She admits that she may have rethought facing parenting on her own.
Mike Novelli, president of MichiganHealthandLife.com says that selecting the right Michigan health insurance plan has a lot to do with the broker selling the policy. If the agent neglects to disclose all the policy’s details, there are generally going to be some surprises. He advises consumers to avoid unscrupulous brokers by obtaining quotes from an agent who vends an assortment of Michigan health insurance plans. He also recommends recognizing the following shortlist of ethical attributes:
- Thoroughly explains the terms of the policy (Compares options between deductibles, coinsurance and low cost premiums).
- Does not request an application fee. Quote for Michigan health insurance plans are free.
- Exudes helpful and knowledgeable advice without imposing any coercion tactics.
For additional consumer information pertaining to medical coverage in Michigan, one of the best resources, featuring Michigan health insurance and free Michigan medical quotes is Michigan Health & Life.
