Sunday, January 18, 2009

Health Insurance Makeover

By Jeff Cline

Health Insurance is changing. You are seeing a few companies introducing new aged plans that promote health and healp the consumer control cost and save tons. The consumer is tired of paying hundreds for benefits they may never need to use.

One example is a plan through the carrier UniCare. They have a fairly new plan they introduced called the Solaura HIA, or Health Incentive Account. It is fashioned much like a Health Savings account. Instead of contributing money to fund the account you earn money by improving and promoting good health.

The money you earn rolls over year to year if you never use it. There is no limit to how much you can roll over either. Making it a challenge to remain healthy huh? You also earn quarterly allocations. They are $125 for 1 person a quarter and $250 for a family plan.

Have you thought about taking control of your weight? How about throwing out the tobacco? Will they have programs that can earn you dollars in your account if you complete. And you earn your first $50 just for logging on to do an online assessment.

One key factor to this plan is the importance it plays on preventive screenings. It pays for your annual preventative screening 100%. It covers the office visit, most screenings, including a pap test and even tons of immunizations.

Many insurance companies and consumers are discovering that they can control cost by promoting healthy habits and annual screenings. Hence the sudden apperance of such plans. The consumer is loving the thought of being rewarded for healthy habits!

Consumers need ways to save money on health expense. Not buying into the all inclusive benefit packages that look so shiney is one way to save a bundle. Only buy what you need.

So do not settle for one of those high dollar plans that has so many benefits you will never use them just because an eager sales person said it is the best. What is best for Joe is not necessarily best for Patty. So make them find a plan that meets your specific need.

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