| Puzzled by Your Insurance Coverage? Let's
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| | ASK
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| OverHall the Pieces!by: Janet L. Hall
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| | 2. Should both spouses carry their
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| | company's plan or just one plan?
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| | 3. Which is the best plan for you?
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| (A special note to those of you that live
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| | Find out your family's health history to
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| outside of the United States. It would
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| | help you determine what type of
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| beimpossible for me to try and cover all
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| | coverageyou should be looking at.
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| types of health insurance and coverage
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| | 4. Should you get or be concerned about
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| thatis offered around the world. I do
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| | Long-Term Health Care?
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| hope this article will help guide you as
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| | Depends on your family history and your
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| to whatyou should be looking for in your
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| | finances. It is suggested that youshould
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| area of the world when it comes to
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| | start thinking about this type of
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| healthinsurance.)
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| | insurance when you are in your 40's.
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| Health insurance, you either have it or
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| | However, the premiums are lower the
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| you don't. But wait a minute. Even if
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| | younger you are. Also, check with
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| youhave health insurance you might not
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| | youraccountant about this type of
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| have it, meaning, you might not have
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| | insurance as the premium cost * could be
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| thecoverage you'll need for your
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| | apossible * deduction on your Federal Tax
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| particular illness or injury.
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| | Form.
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| If you work for a company, chances are
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| | 5. What about Disability Insurance?
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| they offer what I like to call * boiler
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| | This is also know as Income Replacement
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| plateinsurance *. Take it or leave it. If
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| | Insurance if you should becomedisabled
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| you're self-employed, chances are you can
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| | (NOT the same as Worker's Compensation if
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| getthe coverage you want but you also end
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| | you get injured on the job).
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| up paying * big time * for it if you
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| | 6. Should I get a Medical IRA?
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| don'tunderstand the products and options
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| | 7. Are there any Federal Laws concerning
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| available in the market place.
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| | Health Insurance?
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| A friend told me about a female executive
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| | Yes! Let me list but two:a. Employers
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| she had met who knew nothing abouther
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| | with 25 or more workers are required to
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| family's insurance coverage because her
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| | offer employees thechance to enroll in an
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| husband handled all * that *. Shewoke him
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| | HMO.b. COBRA (Consolidated Omnibus Budget
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| up one night asking him if their
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| | Reconciliation Act of 1985) requires
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| insurance covered them if they shouldget
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| | ifthe business you work for has 20 or
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| Alzheimer's.
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| | more employees and you leave your job
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| He tells her, "Yeah, we're covered, go
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| | orare laid off that you can continue to
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| back to sleep and stop worrying."
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| | get health coverage for at least 18
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| But she wasn't so sure if he really knew
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| | months.
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| and thought she had better find
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| | If you don't have insurance, find out if
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| outexactly what their insurance covered.
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| | you qualify for any state or government
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| What exactly does your insurance cover?
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| | runplans or do some research to find out
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| More importantly, what DOESN'T IT
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| | what type of insurance you need and
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| COVER? You need to know and understand
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| | canpurchase.
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| what your plan covers BEFOREyou need to
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| | The best site on the internet I found
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| use your insurance.
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| | while researching health insurance is by
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| I don't claim to be an insurance person
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| | the
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| but I have done some research and hereis
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| | Agency for Healthcare Research and
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| a sampling of what I have discovered.
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| | Quality (formerly know as the Agency for
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| You've got PPOs, POSs, HMOs, and COBRA.
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| | Health Care Policy and Research). On
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| You've got Indemnity or Fee-for-
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| | their site you can find a 14 page
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| Service plans and Government run plans
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| | article,
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| such as Medicare, Medigap or
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| | * Checkup on Health Care Insurance
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| Medicaid. Then there's Disability,
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| | Choices * that includes a checklist and
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| Hospital Indemnity, Long-Term Care, and
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| | aworksheet for you to use. Click on
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| Nursing Home Plans. Let's not forget
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| | They also have a very informative
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| Dental and Vision!
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| | article, * Choosing and Using a Health
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| You want and need to have health
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| | Plan *at
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| insurance to protect yourself and loved
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| | As you can see, there are a lot of pieces
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| onesfrom financial disaster if you or
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| | to the insurance puzzle. Now it's up
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| they should fall into an illness or
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| | toyou to take the time, make the time, to
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| injury!
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| | find all the pieces you and your
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| So I'm writing to urge you to get out
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| | familyneed to complete this * crazy *
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| your health insurance policies and take
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| | puzzle!
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| agood look at them. See if your policies
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| | The Organizing Wizard, Janet L. Hall, is
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| need an * OverHall *. Call the provider
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| | a Professional
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| ifyou don't understand something or you
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| | Organizer, Speaker, and Author of
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| have a question.
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| | 'Secrets of a Professional Organizer and
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| Get the family together for an hour or so
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| | How-To Become One.' She is the owner of
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| and talk about the coverage youcurrently
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| | OverHall Consulting and Organizing By
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| have and write down any questions that
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| | Phone. Subscribe toher FREE organizing
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| come up.
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| | newsletter at or visither web site at
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| Listed below are several questions and
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| | Copyright ( c ) 1999, 2000, 2001 by
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| answers I came up with:
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| | OverHall Consulting
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| 1. Do you have a choice in the type of
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| | P.O.
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| plan?
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|
