AS LONG AS YOU WEREN'T DIAGNOSED BEFORE YOU HAD INSURANCE. IT WOULDN'T BE CONSIDERED A PRE-EXISTING CONDITION IF YOU WERE UNAWARE OF IT UNTIL AFTER YOU RECIEVED THE GROUP INSURANCE.
Health care coverage today may cover most of the major health problems that you could encounter, but many health insurance policies have one significant gaping hole in them: Very few employers offer dental insurance. Dental insurance is the type of insurance that is very important to have, but can be all but impossible to get from an employer. If your employer offers you any type of dental covereage, even if it is very limited, it is wise to take advantage of that and enroll in the employer dental plan. If your coverage is quite minimal, you can always supplement your dental insurance from your employer with some private insurance from another source.Most people will not even have the option to purchase dental insurance from their employer, so if you don't have the employer insurance option you will need to locate some quality dental insurance. One of the most effective ways to do this is to check with your current health insurance agency to find out if it is possible to add dental coverage. If so, get the rates and find out precisely what type of exams and procedures will be covered. If your current health insurance company does not offer any type of dental coverage, the Internet is an excellent way to get some quotes on dental insurance. With any dental coverage, you need to be sure of exactly what sort of coverage that you will receive.Find out how often you can go to the dentist under the insurance plan you are considering. Most patients need to visit a dentist at least one time each year for a dental checkup. Another important thing to consider is how much of the cost of necessary dental work will be covered. Will the dental insurance plan you are considering give you coverage on xrays, fillings, rootwork, or other procedures that the dentist determines that you need? What about emergencies? If you were to crack a tooth and needed to have it repaired, would your dental insurance plan cover it, or do you think you could cover this type of cost out of pocket?As long as you have a dental insurance plan that will cover your dental checkup exams and at least some of the necessary dental work in the future, you have got some solid coverage. Very few dental insurance plans will cover the cost of cosmetic procedures such as teeth bleaching, check with each insurance company you consider to be certain about coverages and exclusions.
Time for a Checkup:Time for a checkup - Time for a checkup.I am gonna Check your ears, check your eyes, find out how much you've grown.(Time for a checkup)Then I listen to your heart beat, fix you up - ready to go.(Time for a checkup)It's ok if you wiggle. This will only tickle a little.Time for a checkup - Time for a checkup.
A majority of people who are working can receive health insurance from their employer. However, people who are unemployed, self-employed or unhappy with their employer's health insurance can purchase their own individual health insurance plan.Types of Individual Health InsuranceThere are two main types of individual health insurance plans: hospital insurance and medical coverage. Hospital insurance will protect you in the event of an accident, injury or illness for which you need hospital care. Medical coverage is more comprehensive and will cover both hospital care and medical visits. Whether you need to visit the emergency room or simply book a regular checkup with your doctor, medical coverage will provide insurance.Within these two main types of plans, there are additional considerations. You'll have to choose whether you want an HMO, PPO, HDHP or POS plan. While HMOs are inexpensive, they have a lot of regulations. PPOs have a lot of flexibility. HDHP plans require you to set up a health savings account. POS plans combine HMOs and PPOs.Health Insurance QuotesA basic Internet search will return health insurance quotes from providers in your area. You'll be asked a few easy questions, including where you live, if you have any children who will be covered by your insurance plan and if you're a smoker. Compare the rates, coverage details and guidelines from several different insurance companies with a single click. You can also hire a health underwriter to search for insurance plans for you.Applying for InsuranceOnce you've found a provider that suits your needs for a price you're comfortable with, you'll need to fill out an application in order to apply for insurance coverage. The application will ask personal questions about your current health, your health history and even your family's health history. You'll be required to disclose pre-existing medical conditions when applying for insurance. Once you've applied, you'll have to wait to hear back from the insurance company. If you're accepted into the program, you'll be sent information regarding your coverage and arrange a payment schedule.
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