Health Insurance Company

Health insurance is a form of insurance where the insurance company pays the medical costs of the insured person in cases the insured becomes sick due to covered causes of the insurance policy, or due to accidents.To get the best health insurance policy, it is necessary to evaluate the health insurance company and its affiliate health care network. The first thing that has to be done is to get free quotes from different health insurance companies. This is easily available on the Internet, wherein you fill in some details to get your health insurance quote. Another thing that has to be taken into consideration is the health insurance company’s financial ratings. This gives us the financial strength of the health insurance company, and whether it is capable of clearing claims made to the company. The ratings can be found out though free resources like Moody’s, A.M. Best and Weiss and eHealthInsurance, which are all found on the Internet.Next, check the employment and educational histories of the doctors associated with the health insurance company. Trusting the physicians and feeling content with the care you receive from the health insurance company is invaluable. Customer satisfaction is another criterion for choosing the right health insurance company. The health insurance company should respond quickly to your requests and questions. Information on patient satisfaction with a health insurance company is difficult to come by and may have to be paid for.There are two types of health insurance companies: group health insurance companies and individual health insurance companies. The group health insurance companies handle health insurance for large groups of people, like the employees of a company. The individual health insurance companies handle health insurance for self-employed people and professionals.

Perspectives on Personal Health Record and Their Maintenance for Your Better Health

Most people do not carry medical records when they leave home. They do not realize that in an emergency, which no one can predict, these medical records can make a big difference. In fact, they could save a life. Previous medications, history of allergy to medications, and other significant medical or surgical history can help a physician to optimize treatment. The National Health Council recommends you to keep a personal health record and take it with you to your doctor. It’s one thing to document your medical information it’s another to know when and how to use it.The main components of a Good personal health record are:* Your name, birth date, blood type and emergency contact* Date of last physical* Dates and results of tests and screenings* Major illnesses and surgeries, with dates* A list of your medicines, dosages and how long you’ve taken them* Any allergies* Any chronic diseases* Any history of illnesses in your familyPersonal health records in paper based format have been used since the beginning of modern health care services. These have several disadvantages as they cannot be accessed rapidly during emergency, difficulties in sharing of these records, security and vulnerable to physical destruction as shown in recent Hurricane Katrina disaster in New Orleans in 2005. These records are also difficult to carry around for the individual when migrating to another medical center or health care provider.Although there are different methods to record one’s personal health, Portable Digital Personal Health Record Storage medias are popular since they offer the advantage to Individuals to enable them maintain their health information at their own computer hard drive or other storage devices. Moreover, these could be made easily accessible to any health care provider by the individual who controls the data.Electronic management of personal health records were developed in the last 2 decades by several electronic health software vendors. Rapid growth in this sector was noticed during the dot-com bubble era.Today, with the growth of Web 2.0 in the internet, there is renewed interest in Personal health records in electronic format. Many still have confusion about Personal health records (PHR) and Electronic health records (EMR).PHRs are different. EMRs or electronic medical records are developed in Hospitals and medical centers, these legal health records are created and stored in health care settings and patients have no control over these records. They contain the longitudinal medical information of any patient over a period of time. A fully functioning EMR is described as one that includes a clinical data repository, controlled medical vocabulary, computerized provider order entry, clinical documentation or charting, pharmacy management, electronic medication administration record, major ancillary systems (for example, laboratory, diagnostic imaging, cardiology, and so on.) and picture archive and communication systems (PACS).However, PHRs or Personal health records are created by the individuals and patients can have full control over these records. These can contain in addition to medical illness information, health related information. The models are shrink wrapped unlike the EMRs.They could also include complete demographics of the patient along with essential health insurance details. In addition they could also include record of illness over a period of time.Personal health records have a useful role to play in health care management. Adopting technologies in health care will significantly reduce the cost and improve the effectiveness of health care delivery. Over prescription of medications, duplication of tests and lack of sharing of medical information among health care service providers has resulted in increased cost of health care in the current era.Disclaimer: This article is for informational purpose only and is in no way intended to be a substitute for medical consultation with a qualified professional. The author encourages Internet users to be careful when using medical information. If you are unsure about your medical condition, consult a physician.

Where You Live Makes a Difference When Buying Individual Health Insurance in Pennsylvania

Aetna (southeastern PA including Philadelphia and the Lehigh Valley) is one of the largest health insurance companies in the country. They have over 150 years experience in the insurance industry. That is why 40 million members access health insurance through Aetna nationwide.Aetna offers a wide array of health insurance options to individuals and families in Eastern Pennsylvania. Aetna offers affordable insurance plans in every U.S. state. Here are some of Aetna’s plans:o PPO (Preferred Provider Organizations). PPOs give you the flexibility and freedom to get care from any physician or hospital – you’ll have insurance coverage with all health care providers. But if you choose doctors in the Aetna’s nationwide network, you’ll save money on your health care costs.o Preventative and Hospital Care. These plans provide coverage for routine physicals, hospital admission, and outpatient surgeries – with flexible deductibles.o HSA Compatible. Many of Aetna’s health plans are compatible with Health Savings Accounts – where you can save money tax-free for your health care expenses.Capital Blue Cross (Harrisburg, Lancaster, Central PA and the Lehigh Valley) offers health insurance plans in Central Pennsylvania and the Lehigh Valley. They have an extensive network of Physicians and Hospitals. For great value and access in Harrisburg, Lancaster, Allentown, Bethlehem or Easton you should consider Capital Blues.First Priority Health, (Northeastern PA, the Wyoming Valley) administered by Blue Cross of Northeastern Pennsylvania. The name Blue Cross of Northeastern Pennsylvania is synonymous with quality health care coverage. For more than 70 years, residents in 13 counties of northeastern and north central Pennsylvania have enjoyed the security and peace of mind that comes from enrolling in a First Priority Healthplan.Geisinger Health Plan (Northeastern PA, Poconos, Lehigh Valley and Central PA) a not-for-profit health maintenance organization (HMO) serves the health-care needs of members in 42 counties throughout central and northeastern Pennsylvania. Begun in 1985, the Health Plan has steadily evolved into one of the nation’s largest rural HMOs by providing high quality, affordable health-care benefits.
If you’re looking for comprehensive health insurance coverage at a competitive cost, the smart choice is Geisinger Health Plan. They offer coverage for businesses of all sizes and individuals & families.Golden Rule, a United Healthcare Company, (Southeastern PA including Philadelphia, the Lehigh Valley and Erie) is providing quality, affordable health plans with a host of different coverage types. Individuals and Families of all backgrounds have an opportunity to get quality health insurance at a rate they can afford. The UnitedHealthOne health insurance plans are popular because many of the plans offer the same or similar coverage as United HealthCare’s group plans. Golden Rule health insurance provides excellent value to individuals and families. More and more people in Philadelphia, Allentown, Erie and throughout the Lehigh and Delaware Valley are turning to UnitedHealthOne administered by Golden Rule for affordable health care coverage.Health America One (Central and Western PA including Pittsburgh) is committed to maintaining excellence, respect, and integrity in all aspects of their operations and their professional and business conduct. They strive to reflect the highest ethical standards in their relationships with members, providers, and shareholders.HealthAmerica plans are a smart choice for individual and family insurance coverage. This carrier offers a range of deductibles and coinsurances. Health America One offers members clear, affordable coverage, easy to understand plans that are designed by your needs and lifestyle, low co-pays and deductibles, and wellness and preventive programs.Independence Blue Cross (Southeastern PA including Philadelphia) provides HMO, POS and PPO plans for individuals and families living in Southeastern Pennsylvania.