Getting Health (best diet for fat loss) Insurance For Yourself
No commentsBy Jacob Saxbury
If you find yourself in the position of shopping for an individual health insurance policy, there are certain things you’ll want to keep in mind. Whether you are coming out of a job that covered you before, or are at the end of your COBRA benefits, or simply have never had coverage before there are things you can do to get coverage on yourself and your loved ones.
The basic thing to know is that if you have a shot a group health insurance, whether through a job or an association you’re a member of, that is usually much more affordable than buying individual health insurance on your own. First you need to figure out your health insurance goals; in other words, what are you after? If you’re young, healthy as a horse, no dependents and not attempting Mt. Everest next week, you may want to opt for a policy that covers only the catastrophes, and cover the rest out-of-pocket. On the flip side of that, if you’re the sole bread winner with a family to support, the scenario is different.
The basic choices you’ll have are Fee-for-Service, Managed Care Plans, and Association-based health insurance. Fee-for-service is the traditional indemnity plan, harder to acquire, more expensive, but usually great coverage. Managed care plans include most HMO’s and PPO’s. These offer lower costs but your choices are somewhat limited. Another way to get insured is through a group or association you may already be a member of, such as professional, religious or trade organizations. Often they may offer health insurance. It’s worth checking out, as sometimes you can strike gold in this vein.
Things to consider when you’re looking for any policy are what’s covered on this plan, how much are the monthly premiums, what is the yearly out-of-pocket, what is the deductible, how much are office visits, does it cover preventative medicine, vision, dental? And I’m sure you can come up with many of your own. Sit down before you go shopping and make a list of your needs and wants, and decide in advance what you’re willing to give to get. Be aware that once you start getting quotes they can vary as much as 50% for the same person! Remember, you’re shopping, and nobody’s making you do anything. If one insurer isn’t cutting it, move on to another. If you’re coming at this cold and have no good recommendations it may be wise to use a broker who represents several companies, as he or she wil be more likely to find the best policy for you, as opposed to selling the company they work for.
Shopping for individual health insurance can be frustrating and time-consuming, but if you come armed with facts you’ll be able to navigate this highly competitive and ever-changing field.
To learn about iron overdose and normal iron levels, visit the Health And Nutrition website.
Centene to Acquire National Individual Health Insurance Provider Celtic Insurance Company
By Elvira Clayton
EasyToInsureME
Centene to Acquire National
Individual Health Insurance Provider
Celtic Insurance Company
Strategic acquisition positions Centene as a national leader in providing
government-sponsored and market-driven solutions to increase access to highquality,
affordable healthcare for all Americans
ST. LOUIS, MISSOURI (March 18, 2008) Centene Corporation (NYSE: CNC)
announced today it has executed definitive agreements to acquire Celtic Group, Inc., the
parent company of Celtic Insurance Company (Celtic). Pending regulatory approval,
the acquisition is expected to close in the third quarter of 2008. Celtic, a privately-owned
nationwide health insurance carrier based in Chicago, Illinois, provides high-quality,
affordable health insurance to individual customers and their families. The purchase
price for the transaction is $80 million, subject to certain transaction adjustments, and
will be funded through borrowings under Centene’s existing $300 million credit facility.
With this transaction, Centene will be uniquely positioned to partner with state
customers focused on managing health care costs. This acquisition also enables us to
offer a full range of healthcare solutions for the rising number of uninsured. When
combined with the strong presence in our current states, we can address a full spectrum of
uninsured opportunities said Michael F. Neidorff, Chairman and Chief Executive
Officer, Centene Corporation. We believe that by creating a national focus to cover
more of the uninsured, this will lead to significant growth opportunities in both the
Medicaid managed care and individual health insurance sectors for Centene. This
transaction is consistent with our product diversification strategy to add complementary
capabilities that allow us to meet the evolving needs of our state customers and to offer a
broad range of coverage solutions customized to the unique needs of each state.
Neidorff continued, We believe the states will benefit from a solution that combines our
expertise in delivering low-cost, quality healthcare with market-driven, affordable and
individual health insurance to Americans nationwide. Joining forces with Celtic
underscores our goal of ensuring that all Americans have access to cost-effective, highquality,healthcare.
Frederick J. Manning, Celtics chairman and chief executive officer, said, Celtic has
been a trusted name in the individual health insurance market for almost 30 years and we
feel fortunate to partner with an organization that shares our commitment to increasing
access to quality healthcare for all. Together, our employees can be proud of the fact
they will help address one of the nations most intractable challenges: providing health
coverage to the underserved.
Celtic will continue to operate under its current brand and the operations will remain at
its Chicago headquarters. Mr. Manning will remain with the organization as President
and CEO of Celtic and Executive Vice President of Centene and will report directly to
Mr. Neidorff.
The transaction is expected to be neutral to earnings per share in 2008. Additional details
regarding the transaction will be disclosed on Wednesday, March 19th, 2008, at 2:00 PM
(Eastern Time), when Mr. Neidorff will present at the Lehman Brothers 11th Annual
Global Healthcare Conference, which will be held March 18-20, 2008, at the Loews
Miami Beach Hotel in Miami.
Celtic was advised by Goldman, Sachs & Co. Centene Corporation was advised by Allen
& Company LLC.
About Centene Corporation
Centene Corporation is a leading multi-line healthcare enterprise that provides programs
and related services to individuals receiving benefits under Medicaid, including the State
Childrens Health Insurance Program (SCHIP) and Supplemental Security Income (SSI).
The Company operates health plans in Arizona, Georgia, Indiana, New Jersey, Ohio,
South Carolina, Texas and Wisconsin. In addition, the Company contracts with other
healthcare and commercial organizations to provide specialty services including
behavioral health, life and health management, long-term care, managed vision, nurse
triage,
About Celtic Insurance
Chicago-based Celtic Insurance Company is one of the countrys leading nationwide
individual health insurance providers. With approximately 120 employees, Celtic
Insurance currently offers coverage to approximately 31,000 individuals nationwide and
is licensed in every state except New York. Some of the products in the Celtic product
portfolio are: The CeltiCare II Health Plan for individuals and families, the CelticSaver
HSA Health Plan, the Celtic Short-term Health Plan and the Celtic Basic Health Plan, a
low-cost major medical plan offering higher deductibles to control premium cost
Quoting and Saving on your health insurance has never been easier.
Celtic Health Insurance
Vista Health Plan
Aetna Health Insurance
EasyToInsureME
Yahoo, AIM, LIVE screen name: EasyToInsureME
Check out more on Centene to Acquire National Individual Health Insurance Provider Celtic Insurance Company
HealthAmerica Health Insurance has a new Regional President
By Elvira Clayton
Harrisburg, Pa. February 2, 2009 HealthAmerica today announced that David P. Crosby has been appointed regional president, central Pennsylvania region, effective February 2, 2009. He will have responsibility for all marketing, sales, account management, medical management initiatives, as well as for government programs and provider contracting and servicing.
Prior to joining HealthAmerica, Crosby served as president and chief executive officer of HealthPlus of Michigan, a position he held for the past five years. Crosby joined HealthPlus in 2000 as vice president of sales and marketing. He has worked in the health industry for 25 years.
We believe Davids wisdom and industry experience will bring extra depth and broad industry perspective to the services we offer, and we are very pleased he joined our team, said Hassan S. Rifaat, Coventry Health Care senior vice president. David is a results-oriented leader with a strong focus on profitable growth, customer service and innovation. Our members, employer customers and providers in central Pennsylvania will all benefit from his leadership.
Under Crosbys leadership, HealthPlus of Michigan increased its service membership by more than 20,000 people and expanded services with programs such as Healthy Solutions, a program that rewards people for leading healthier life styles with a lower insurance copay. In addition, the company increased participation in the Medicare, Medicaid and MIChild programs.
A graduate of Canisius College in Buffalo, New York, Crosby has a masters degree in Business Administration from the State University of New York at Buffalo.
About HealthAmerica
For over 33 years, HealthAmerica has provided health benefit solutions to employers across Pennsylvania. HealthAmerica offers a broad range of traditional and consumer-directed health insurance products, including managed care, consumer directed plans, self-funded, Medicare, indemnity, nongroup. Serving 12,000 businesses and over 660,000 members in Pennsylvania and Ohio as of December 31, 2007, HealthAmerica offers progressive medical management, innovative wellness programs, and statewide and national provider networks.
Its HMO and POS products have an Excellent accreditation by the National Committee for Quality Assurance. HealthAmericas HMO, POS, and Medicare Advantage plans were ranked among the nations top 20 best commercial and Medicare health plans in 2008 according to a joint ranking by U.S.News & World Report and the NCQA. HealthAmerica and HealthAmerica Advantra have ranked as one of the top 50 best health plans in the U.S. News/NCQA Americas Best Health Plans list every year since 2005. HealthAmerica has corporate offices in Pittsburgh and Harrisburg, Pennsylvania, and employs over 2,300 people in the commonwealth.
Quoting and Saving on your health insurance has never been easier.
Pennsylvania Health Insurance Quote
HealthAmerica Health Insurance
Health America
EasyToInsureME
Yahoo, AIM, LIVE screen name: EasyToInsureME
Check out more on insurance has
Saturday, April 25th, 2009 at 12:05 am and is filed under relationships. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
