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Major Medical Plans – What Is Universally Covered?

There are three basic kinds of major medical plans. In relation to its comprehensive coverage, consumers hold the collection of first dollar coverage or standard coverage. Alternatively, consumers may elect only supplemental major medical plans. These plans only cover a portion of medical expenses after certain limits are met. However, regardless of form of major medical plan, there are a few expenses which can be, in most cases, universally covered. The following list is neither definitive nor all-inclusive. Instead, their email list is meant as a general rule of thumb guideline in regards to what you can expect to be covered for just your policy.

1. Hospital expenses

These include necessary er care, inpatient services, intensive services for example cardiac care or ICU, medicinal supplies and medications, surgery, emergency transportation services, and doctor’s care during the hospital.

2. Doctor’s care outside of hospitalizations

These services include preventative care, sick visits, … Continue Reading >>>

by Gerald Richardson — February 23, 2020 in Healthy

Major Medical Plans – A Broader Range of Coverage

Major medical plans would be the most comprehensive of health care insurance options. These plans offer the broadest coverage along with the highest benefits per individual. Being included in this type of insurance plan offers benefit most medical expenses from routine office visits to hospitalizations and prescription drugs. Included with many plans is additional coverage for eye and dental care, along with standard health care coverage. Once deductible requirement are met, major medical health care insurance pays between 80-100% of covered care expenses, prescriptions, surgical procedures, and hospital stays. These plans also cover ongoing and lifelong health conditions for example Alzheimer’s, Crohn’s disease, diabetes, heart problems, and others.

There are two main types of major medical plans, those being comprehensive and supplemental. Comprehensive policies can further be split up into first dollar plans and non-first dollar plans. A first dollar health plan pays benefits when expenses are incurred. For example, … Continue Reading >>>

by Gerald Richardson — February 20, 2020 in Health

How Long Should I Be on The Elliptical?

Insufficient time is one of the most common reasons that people have when it is about exercising regularly. Between work, family, and sleep, they can’t manage time to do the workout every day. Even though they manage time, they start thinking about how long they have to continue their workout, especially when using an exercise machine like elliptical for a high-intensity workout.

In essence, it entirely depends on a person’s needs. For example, if one wants to lose weight moderately, then 15-20 minutes of exercise on the elliptical will work. And if someone needs to build muscle and want to achieve fitness like athletes, then more time and hard work are required. In this article, we will cover how long one should be on the elliptical to maintain a healthy body.

Elliptical for Cardio:

Some people find the workout on elliptical intimidating because after trying numerous diets and fitness workout, … Continue Reading >>>

by Gerald Richardson — February 4, 2020 in Fitness

Health Insurance – Actual Insurance Policies Vs Discount Packages

Many people who shop for health insurance don’t know what is the difference between a health insurance policy and a discount package. Fortunately, there are many ways to differentiate and find the best solution for your health care needs. It doesn’t matter what type of plan you choose, as long as you can find what you need and get the protection you deserve. The following is a brief overview of insurance policies and discount packages to help you better understand their differences.

A health insurance policy is the actual health insurance

These policies will offer you certain coverage limits, various types of coverage, and you will pay a monthly premium based on the level of risk of your insurance. These policies are the most common, but they are also very expensive in many cases. Insurance policy comes with deductibles, which are out-of-pocket expenses that you must pay before you can … Continue Reading >>>

by Gerald Richardson — January 25, 2020 in Medical

Health Insurance – Affordable Coverage – How to Get It Your Way

If you are in a situation right now where you know that you need health insurance and you are not having it provided by your employer, then you are going to want to begin shopping around. All too often what people will do is go for the first name that comes to mind. More often than not, the first insurance operator that comes to mind will be a big name. This doesn’t necessarily mean that you cannot get a good plan from this carrier, but it does mean that you are not being a comparison shopper. When you are looking for affordable coverage, you have to use the same logic that you would use shopping for any product or service. You have to compare prices.

Health Insurance

This might make sense, but if you are like most people, the idea of spending hours upon hours of looking at insurance plans … Continue Reading >>>

by Gerald Richardson — January 23, 2020 in Department Of Health