Defining Point of Service (POS) Health Insurance

Title:Defining Point of Service (POS) Health InsuranceWord Count:742Summary:A POS or Point of Service plan is kind of like an HMO and PPO combined type health careplan. You have more flexibility than a regular HMO, but pay a smaller fee and deducible than aPPO. It is perfect for those people who need more flexibility but want to pay less. You will beasked to select a general provider that is off the list of acceptable doctors.Keywords:health insuranceArticle Body:A POS or Point of Service plan is kind of like an HMO and PPO combined type health careplan. You have more flexibility than a regular HMO, but pay a smaller fee and deducible than aPPO. It is perfect for those people who need more flexibility but want to pay less. You will beasked to select a general provider that is off the list of acceptable doctors. This will be yourprimary care physician and he or she will be the one to manage what care you receive. He orshe will direct you to specialist and hospitals as needed that are also participants in the plan.Usually there are many providers from each specialization to choose from and typically coversa wide geographic area. With this type of policy, you will not have a large deducible if any, andstill have a minimal co-pay on visits and prescriptions. Of course, this is if you stick with the

preferred providers list. You also may want to make sure what drugs are covered under this planand if you have to pay more for newer on not generic medications. Some doctors don't thinkabout what kind of insurance you have when writing out the prescription and you need toremind him or her if you are only allowed to buy generic to be covered.You will also have a choice to see out-of-network providers when you need a specialist andthey are not on the list. Most POS plans require you get a doctor's referral prior to seeinganother doctor or specialist. Once referred to a specialist within the network, you will have tobe prepared to pay more. If you choose to do this, you will be billed directly and must submitthe claim to the insurance company your self. Your insurance company will pay their flat ratefor whatever you had done and you will be responsible for the rest. You may also beresponsible at the time of service to pay the entire amount and wait to be reimbursed your selffrom your insurance. If you chose to see a specialist on you own, the cost will be higher andaround 50% if you were not referred. You will be required to pay a higher amount if you goout-of-network. So in essence, you have the right to see whom you chose, but at your ownexpense. The POS plan will only pay their flat rate for specific medical issues and not above it,unless it is an emergency situation. Many people like the idea of having more say in their healthcare choices, while others care more about saving money and don't care who they go to. Whatyou chose will depend on what you personally want and what is more important.The emphasis on this plan is prevention of illness or disease to cut the cost to both theindividual and the insurer. Most other plans such as HMOs and PPOs have the same basicemphasis. You are encouraged to take an active roll in your health and do what it takes toremain not sick and disease free for as long as possible. The idea is to see the doctor less soboth you and your carrier together spends less money. The idea with this plan is that if you haveto put more money into your health care you will think twice at whether or not you really needto go. If you want to waist the insurance companies money you have to waist your own too todo it. Medical insurance companies are in business to make money, they want you to stayhealthy so they can collect your premium and not have to pay it out to the health care provider.So, for those people who do not want to pay as high as a monthly premium tends to opt for thistype of health insurance plan. This one will ensure a low rate with out having to worry abouthuge deductibles or co-pays if used more like an HMO. So, if you think that this sound likesomething you are interested in, talk to several different companies and get some policies tolook at. Make sure to look at what is covered as well as the price. Do a little research in thevarious insurance policies that are available. The one that you need to pick will depend on yourpriorities.Title:How To Compare Low Cost Health Insurance In South CarolinaWord Count:705Summary:Health insurance is probably one of the most difficult forms of insurance for the average personto afford each month - and yet without health insurance your home and all of your assets are atrisk should you have a major accident or illness.

This is why is it so important for the average person to compare low cost health insurance inSouth Carolina and find a policy that they can afford to pay for month after month.Ultimately you will be getting online and comparing h...Keywords:Article Body:Health insurance is probably one of the most difficult forms of insurance for the average personto afford each month - and yet without health insurance your home and all of your assets are atrisk should you have a major accident or illness.This is why is it so important for the average person to compare low cost health insurance inSouth Carolina and find a policy that they can afford to pay for month after month.Ultimately you will be getting online and comparing health insurance prices on several of thewebsites that make such comparisons a snap. But before you do that you want to know how toanswer the questions these sites will ask you in such a way that you will save the most moneypossible. That's what this article will help you to do.Let's start with two of the most difficult things for most people to do. Quitting smoking andlosing weight.It's simply a fact: if you smoke or use chew you will pay more for your health insurance. It'salso true that if you smoked when you previously purchased a policy but you have since quit,you will be entitled to a rather substantial decrease in your monthly health insurance premium.It's also simply a fact that overweight people pay more for health insurance. Part of yourmonthly premium will be based on your BMI - your Body Mass Index. There is some goodnews. If you can lose even a few pounds it's possible that you could drop down a notch on theinsurance company's BMI chart - and if you do that you could save a few dollars each and everymonth.Believe it or not you can save money on your health insurance if you have a good credit rating.That's right. Use credit cards and other forms of credit wisely if you want the best rates on yourhealth insurance.Do not routinely take part in extreme or dangerous sports or hobbies.Don't drive a fast and sporty car.Group health insurance is always cheaper than individual health insurance. If your place ofemployment does not offer group health insurance then ask around at any clubs, organizationsor groups you belong to. A surprising number of clubs and organizations are offering theirmembers group health insurance these days.If family, friends, or neighbors are getting group health through a club or group they belong to,see if you can join.

Even many religious organizations are offering group health now. Ask around.If you have a home-based business you may be able to qualify for group health insurance evenif you have only one employee - and even if that employee is your spouse.Even if your home-based business does not qualify you for group rates ask your tax advisor ifyour health insurance premiums will be deductible. If they are, the tax savings you get mayoffset the cost of your insurance to the point that your insurance will become affordable.What about your co-payment? If you can afford to increase your co-payment to 50% you willsave a great deal on your monthly premium. This is an especially good idea for people who donot see their doctor on a regular basis.Increasing your deductible is probably the fastest and most sure way of decreasing your cost ofhealth insurance. But be careful - and honest - with yourself, because you are going to have tocome up with your deductible in cash every year before your insurance company will beginpaying for any of your health care. So don't offer to pay more than you can actually afford topay.Now it's time to get online. Use the tips you have gotten from this article to fill out the form onat least 3 different health insurance price comparison websites. Remember to fill out all threeforms exactly the same so that you are comparing the same policy on all three sites.The rest is easy. All you need to do is to choose the cheapest rate for your health insurance andyou're done! You have now compared low cost health insurance in South Carolina and you havefound the very best deal you could possibly find. Congratulations!Title:The Construction Industry - Exactly How Healthy Is It?Word Count:400Summary:抣If you are considering entering into the construction field, especially as an equipment operator,you l find the field is thriving and should continue to do so.Keywords:Heavy Equipment Training, Bulldozer, Jobs for G.I's, Construction JobsArticle Body:When one is considering entering a new line of work, the first thing they should do is researchthat given field. Certain things to consider include how that particular industry is currentlydoing and what are the predictions for that field. If you are considering entering into the

抣construction field, especially as an equipment operator, you l find the field is thriving andshould continue to do so.First of all, there is always going to be a need for road repairs, bridge maintenance, and newconstructions will continue to be needed. The government alone spends billions of dollars onconstruction projects each year and there does not seem to be any inclination that they will slowdown. New housing developments are being created everyday in all areas of the country, asthere is continually a housing shortage. The construction business is thriving.The September 11th attacks of terrorism on the United States have had impacts on everyindustry in the United States and the construction industry is no exception. Due to HomelandSecurity, many such developments have been redesigned to further their safety in case of an actof terrorism and even moved to a different location if they are near an area that might be atarget. However, the construction industry has not slowed down and it is as strong as ever.The fact is the construction industry is the largest service industry in the United States. Due tothe demand placed on the construction industry, most construction companies are constantlylooking for individuals who are qualified to work in this field. Many individuals, however, arenot qualified and they start on the bottom, hoping to get trained in areas where there is betterpay.抯Where do individuals wishing to get a heavy equipment operator education stand? Withnew developments and construction projects continuing to thrive, the heavy equipment operatorwill always have a job. In order to complete the new construction jobs, there must be someoneto run the heavy equipment.Unfortunately, with all of the natural disasters that have taken place in the United States alone,such as the flooding in California, the tornadoes in the mid-west and the hurricanes along theeast coast, the construction business will continue to thrive. From road repairs and bridgereconstruction and new housing developments to commercial developments, constructioncompanies will continually be looking for workers that are qualified.