Buyer Beware: Identifying Health Insurance Fraud

Title:Buyer Beware: Identifying Health Insurance FraudWord Count:373Summary:Scam insurance is not new - criminals have been selling fraudulent policies since healthinsurance came into being. But with today's skyrocketing health care costs, more consumers areseeking affordable access to quality care, which provides scam artists with fertile huntinggrounds.Keywords:Buyer Beware: Identifying Health Insurance FraudArticle Body:Scam insurance is not new - criminals have been selling fraudulent policies since healthinsurance came into being. But with today's skyrocketing health care costs, more consumers areseeking affordable access to quality care, which provides scam artists with fertile huntinggrounds.By appealing to consumers' insurance cost concerns, these individuals successfully entice morethan 100,000 Americans into purchasing sham health insurance every year.Consumers should always be on the lookout for common insurance scams. Some warning signsof fraudulent plans include:* dramatically low premiums;* guaranteed coverage - regardless of pre-existing conditions;* lack of the word \"insurance\" anywhere in the materials;* plans that ask for premium payments in cash or for an entire year up-front.It is important to evaluate the agent selling the plan. Agents who claim that they do not need alicense to sell insurance or imply that their product is exempt from state regulation should be

rejected. Consumers should be wary of any agent claiming to represent a medical provider whosolicits customers door-to-door or patrols neighborhoods encouraging residents to visit a mobileclinic for routine checkups or tests.Many organizations, including the National Association of Health Underwriters, are educatingtheir members and consumers about how to recognize insurance scams and protect againstthem.To keep from being victimized, consumers need to do their research and use a reputableinsurance agent or broker who is knowledgeable about scam insurance. Consumers can locate alocal NAHU member to help them find the right health insurance plan by going towww.nahu.org and using the \"Find an Agent\" feature.Suspected insurance scams should be reported as soon as possible. Most states sponsor fraudbureaus that investigate insurance scams, and some even reward whistleblowers if there is aconviction.The financial effects of these schemes are felt throughout the entire health care industry.Victims of insurance fraud will have to repay uncovered medical bills and depending on howlong they go without legitimate insurance coverage, may also lose health care insurance accesspermanently. Health care facilities and medical professionals, meanwhile, may never be paidfor the treatments they administer.The only way to stop the spread of insurance scams is to learn how to detect fraud and work toprevent such criminals from succeeding.Title:Health Insurance ?A Necessity of Todays LifeWord Count:390Summary:Health insurance is an absolute necessity in todays World.Keywords:Health Insurance, Medical Insurance, Financial Planning, InvestmentsArticle Body:Health Insurance is the only solution for increasing health care cost in todays world. It is anabsolute necessity to have a good health insurance as it will help keep you and your familysafe and insure that you do not get engulfed with health care bills if one of you should have anaccident or have grave health issues.Many people do not get insured because they think that it is a waste of money and considerhealth insurances to be very costly. But the fact is that it is not that costly and you can get health

insurance for a fair amount of money.The simplest and cheapest way of getting a good health care insurance is through youremployer. But you must understand that when you leave that job you may lose the coverage.Other way of getting health care insurance is through a personal plan. Entrepreneurs & peoplewhose employers do no offer coverage, acquire this kind of insurance. This kind of insurancepolicy will come out of your pocket, but the cost of insurance is much cheaper than bearingyour own medical costs.If you have to go with a personal <a href=\"http://vacationrentalbid.info/blog/index.php\">healthinsurance</a> then be sure to shop around to ensure you get the best coverage for the really bestprice. There are numerous insurance companies offering different health/medical insuranceplans but before you choose one, you need to think of few important things like general state ofyour health, your age, any medical problem history, your boozing and smoking habit etc. Ifyou are going for family cover, then your will need to find these details for each member andthen think carefully what kind of coverage you want. Do not conceal any medical problemfrom insurance company as bearing a claim denied later because you had failed to disclosemedical truth to the insurance company would be far more displeasing - and very expensive.A careful study of above mentioned factors will help you decide the kind of coverage you needand where you can cut the expenses of premium. This might appear like a boring process, but itwill assist you considerably in ascertaining appropriate and affordable health insurance andmaking sure your healthcare needs can be met by the medical insurance you select.Sleep Disorders and Healthy AgingThe US studies has shown that around 70% of the citizens do not get the proper rest they need.For this reason, people are suffering poor health, depression and so on. Getting proper rest willhelp you keep your health in good condition. When you lack proper rest, it affects yourconcentration. To stay health you need proper rest, sustenance and exercise daily.As a person ages the body goes through senescence, or changes out of the ordinary. The bodilyfunctions start to decline its actions. For that reason we may suffer, sleep disorders, includinginsomnia.What you should know:According to philosophers, theorists, experts, etc women are likely to experience insomniamore so than men. While many citizens find it difficult to fall asleep, some of us sufferinsomnia, which is harder on our health. On the other hand, if you sleep too much during wakehours, it will affect your concentration, impair your memory and cause other problems as well,such as sleeping at night. If you get too much sleep, just like insomnia you may incur highblood pressure. Heart disease and strokes are commonly caused from insufficient oroversleeping as well. You should also learn about Sleep Apnea, which is a common sleepdisorder. This disorder is harder to detect than any other sleeping ailment. Sleep apnea is oftennoted by sleeping partners. Doctors can rarely detect the disorder until a sleeping partner comesforward. The disorder causes the person to wake up all through the night gasping for air. Duringthe day hours, the person often drifts into sleep uncontrollably.

The factors behind sleep disorders:Sleep disorders, which causes interruption of restful relaxation can alter your internal organs.Your patterns and rhythms may change often. Your bodily functions will flip out and feelconfused, causing a series of interruptions. You may experience joint and muscle pain,especially at the legs, or you may snore at night. The factors can lead to high risks of illnesses,depression, etc. To avoid such complications you will need to reduce stress and perhaps seekhelp for your sleep disorder.What should I avoid?When you find it difficult to sleep, try staying away from caffeine after 7 p.m. Avoid nicotineand alcohol also before going to sleep. If you find it difficult to drift into sleep, try countingsheep. This will bore your mind watching visual captures of sheep jumping over a fencerepetitiously. Some people can fall asleep watching television. If it works for you do it. If youare one of those people who listen to music and television and it starts your adrenaline flowing,then leave it alone. You want to avoid eating or exercise before heading to bed as well. Exercisewill boost metabolism. Eating may cause indigestion.Helpful tips:If you find it difficult to sleep at night, try adjusting the room temperature, especially if you feeluncomfortable. Turn out the lights so that the room is dark, unless you need a night light due toconsistent waking at night due to restroom visits. If you are afraid of the dark, keep in mind thatburglars can easily trip in dark areas verses lighted areas. This gives you the advantage ofcalling for help, since you are aware that someone is in your home. If the lights are on, you areinviting the burglar to stroll freely, tip-toeing through the house without awakening you. Thiscountry unfortunately teaches us to run to a lighted area when in danger. Sometimes the lightcan get you killed.If you find it difficult to sleep at night, you will likely need medical attention, especially if theproblem is on going.