Health Insurance – The 3 Major Types of Health and Medical Plans

Health insurance is deemed as a serious issue. But it’s not only serious in the sense that elderly population is on the rise. But the crux of the matter is this: just when an average worker goes on a fixed income and no longer affords to settle payments for private health coverage, medical bills are likely to go up in skyscraping amounts. This is when medical insurance will come to save the day.

There may be a lot of considerations and specific terms and conditions to take into account, but the good thing is numerous health coverage are up for grabs for those who are in search for medical assistance plan that will suit both their funds and needs. To provide you of a bigger and clearer picture, the following are types of medical plans together with their brief descriptions:

PPOs (Preferred Provider Organizations)

This is a type of health coverage that gives you an incentive to remain under a specific insurance company’s coverage by necessitating only a least amount of co-payment if you agree to consult a network doctor under the insurer’s directory. Then again, if you choose to see a doctor that is out of the network, you would have to pay for a bigger amount of co-payment. Preferred Provider Organizations lets an insured consult other specialists even without their consent, however, should anything happen to you, your insurer won’t be liable to it. And, that includes any preventive measures. PPO’s terms and conditions are complicated, so better be sure that you know a few things about this insurance type. Don’t forget to ask questions and learn which cases are covered and which are not. So in the end, you won’t be wasting your hard earned money for something that you do not know anything of.

HMOs (Health Maintenance Organizations)

This is considered as that most economical and cheapest of all insurance types. Apart from this, HMO is also flexible in terms of insurance coverage. Unlike PPO, preventive care services are covered by the plan with lower co-payment rates. However, in exchange to all the flexibility, convenience, and affordability this insurance provides, you as the insured must only see and consult approved medical specialists. You are also required to seek permission from a network physician prior to consulting other professionals in the medical field.

POS (Point-of-Service) Plans

This is also known as an open-ended HMO or PPO where an insured is permitted to use other health providers’ plans and are likewise encouraged to get health services from networks that are outside the coverage. However, you will be asked to pay for heftier co-payment or deductible costs. In POS, if you want your insurer to get you covered from everything that concerns your medical expenses, your health insurance plan requires you to use your primary physician for you to be able to get referrals to other medical specialists. So, if you want an insurance that will cover even the preventive care services and the rest of your medical bills, going for Point-of-Service health plans will help ease your medical burdens and worries.

Health and Medical Tourism in Bulgaria

In 2004, the number of incoming tourists who visited the Bulgarian spa centres increased by approximately 20 percent, compared to 2003. The well developed network of private cosmetic surgery and dental clinics offer services at prices several times lower than the lowest in the European Union, and this fact has attracted the attention of the large insurance companies that cover their clients’ medical expenses. They are more willing than before to pay for trips to the east, where treatment is many times cheaper.

Plastic surgery not covered by medical insurance also attracts clients with prices that are up to five times lower. The good value of medical treatment is topped up with high-quality service: foreign patients in Bulgaria have a wide choice of doctors and clinics because in the mid-1990s many of the best physicians in the country, disappointed with their low state salaries, set up private surgeries and clinics.

Mineral water treatment

Mineral water treatment is particularly popular among foreign tourists, because Bulgaria
boasts more than a thousand mineral springs scattered throughout the country. The water content in many of them is similar to those in world-renowned spas like Baden-Baden and Vichy.

Some present-day Bulgarian spas were built on the sites of ancient Roman thermae or Turkish baths. The best-known balneology and mud bath therapy centres are Pavel Banya, Hisar, Velingrad, Narechen, Vurshets, Kyustendil and Momin Prohod, near Kostenets. They specialise in the treatment of different ailments, depending on their water content.

Hisar, located among the impressive ruins of an ancient Roman fortress in the plain between the Balkan Mountains and Plovdiv, is recommended for renal and gastrointestinal illnesses. Sapareva Banya sprang up around the hottest water spring in Bulgaria. Narechen specialises in neural disorders, Pavel Banya in orthopaedic illnesses and traumas, and Sandanski in pulmonary diseases. Two large seaside resorts, Albena and Pomorie, offer mud bath treatment.

Most of these centres also offer special rehabilitation and toning programmes. The prices vary, depending on the treatment. For example, a 10-day anti-stress programme, including aromatherapy, massage, and Iye-phoresis, costs less than 100 Euros; a flve-day treatment of rheumatic pain is from 70 to 110 Euros. Accommodation is between 20 and 70 Euros a day, full board.

Slimming centres

Other popular destinations are the slimming centres. The most popular clinic for non-medicinal treatment of obesity is located in the Black Sea resort of Sts. Constantine and Helena. There, a mild form of medical starvation is practised under constant medical supervision, in combination with a daily allowance of one kilogramme of raw fruit, and healthy eating habits.

The stay in the sanatorium can vary from 10 to 20 days, and the package is between 500 and 2,000 Euros, depending on the length of the treatment. It includes accommodation in a four-star hotel, daily doctor’s rounds, personal consultation with the centre’s head physician, the development of an individual dieting and nutrition schedule for each patient upon leaving, and medical examinations.

Plastic surgery

Plastic surgery also attracts health tourists with its prices and services. The plastic and cosmetic surgery clinics which opened in the mid-1990s turned out to be too many, and the severe competition forced their owners to invest in modern equipment, good specialists, and a range of amenities for in-house patients. Besides, they had to keep their prices low.

Whereas in Germany a woman will pay from 6,000 to 10,000 Euros for a bosom boost, the most expensive clinics in Bulgaria perform the operation for 2,500 to 3,000 Euros. The ratio between other services is similar.

Face-lifting under full anaesthesia is hardly over 1,200 Euros, complete lips correction is not higher than 450 Euros, and liposuction costs 300 Euros.

Dental services

Another popular goal of health tourism in Bulgaria is dental services. The private dental surgeries in the bigger towns are numerous, and the prices, calculated in accordance with the Bulgarian standard of living, are incredibiy low, compared to prices in western Europe. Some surgeries have dual pricing for Bulgarians and foreigners; so, check in advance.

The prices in Sofia, Burgas, Varna and Plovdiv are relatively the same: from 10 to 15 Euros for an initial examination, from 15 to 20 Euros for cleaning of caries and a photo polymer filling, and from 20 to 30 Euros for the treatment of pulpitis.

What does the law in Bulgaria say?

Bulgarian legislation grants foreign citizens the right to treatment in all medical establishments in the country. In case of emergency, foreigners can get help in the nearest clinic.

The head of the respective medical establishment has to inform the patient’s insurer immediately about the necessary treatment, except in emergencies.

Short-term foreign visitors to Bulgaria who do not insure themselves according to internal regulations have to pay for their medical treatment in accordance with the price list of the respective medical institution.

Mental Health and Medications or Meditation

It is up to you and your physician to determine if medication is right for you and always consult with your medical doctor before making any changes. I hope this article will give you a few things to think about and to discuss with your doctor.

Our world is filled with a quick fix for everything. If you have legs that are a little restless there is a pill, and if you feel a light blue, but not dark blue then there is a medication, and if you feel dark blue, there is a medication for that too. If you are not sleeping there is a pill and if you are oversleeping there is a pill. It seems like for every emotion, every tingle, every feeling, there is pretty much a medication for it. The bottom line is meditation can help with so many of these simple symptoms.

Many people wonder when to meditate and when to medicate. Well that is a fairly simple question to answer. People with a severe mental illness who do not seek medication are usually playing with a time bomb. Bi-polar, severe depression, schizophrenia all require medication for a person to maintain stability. Of course, some people can get by with herbal supplements and vitamins but most people with severe mental health diagnosis probably need medication along with meditation.

If you are a person that has mild to moderate depression or anxiety, or have insomnia then you are a great candidate for natural treatments and meditation would work well for you. Studies have concluded that meditation helps with insomnia, yet people with insomnia rarely use meditation, rather they are too busy trying to find a medication that can offer them sleep or complaining about how restless their sleep is. Yet, when asked if they meditate most of them say no.

Studies have also suggested that meditation helps with mild to moderate depression and anxiety. So if studies show that meditation help with insomnia, why are insomniacs not mediating? There is a variety of reason but the bottom line is, it takes time to create a habit and meditation takes about 20 minutes a day and some people just don’t want to spend that 20 minutes meditation when a pill only takes 60 seconds.

Meditation does healing that medication can’t even begin to produce. It offers silence which helps the cells in the body heal themselves naturally especially the central nervous system. So any chemical imbalance in the body can be resolved simply by practicing inner silence. In addition, meditation allows your attention to become from forms of negative thinking which in turn allows negative thoughts to lose momentum and dissipate eventually.

Depression and anxiety can be easily reduced by combining meditation and some form of therapy whether it is a life coach, a spiritualist, a emotional wellness practitioner or a counselor, the integration of some form of talk and meditation really can reduce if not alleviate many symptoms.

You see meditation tends to focus on relaxation, concentration and awareness, and talk therapy of some sort focuses on looking at and possibly changing the emotions and beliefs that create anxiety and depression.

Only you and your doctor can decide what you need to do and when to medicate when to medicate however, if you want to use meditation and be serious about it, and use it to really cure yourself, you must be diligent. If you have to be on medication, you can still add meditation to help ease symptoms that medication simply cannot provide. The key here is to do meditation and for at least 20 minutes a day, and you have to believe, you are worth that 20 minutes a day.

Ways to Lower Your Health and Medical Insurance Quotes

You have already decided that you need to buy an affordable family health insurance policy but with all the major medical insurance companies out there it could be overwhelming. So where do you start when trying to get cheap and affordable insurance?

First place to start: Get Medical Quotes from a Health Insurance Comparison Site

These health insurance comparison sites provide free medical insurance quotes online to their customers and do this in the customer’s best interest as they are not tied to any one particular health plans ins company.

What you will find when going to a site to compare medical quotes is that they will list some of the most competitive health insurance rates you will find anywhere. Medical Insurance companies know that their medical quotes are being compared to other companies’ quotes so they have no choice but to quote the most competitive and affordable insurance they can offer. When you are dealing with their agents in person or over the phone there are no other medical individual plans / family plans to compare their quote to so they can present you with whatever plans they want to offer and you in turn end up choosing whichever plan fits your budget at that time.

By comparing different quotes offered to you on these types of sites you are under no obligation to purchase a plan giving you full control, you are able to go over each medical quote in detail and do a straight comparison of all your health insurance benefits tied to each policy. It is pressure free, stress free health insurance shopping at its best.

These sites can bring customers very optimized, targeted results providing them only the types of coverage and health plans available in their state or region. You can save a lot of time and a serious amount of money just by taking this step. You do not have to drive to the company office or pick up the phone to do any of this.

Additional Ways To Save On Medical Quotes:

When looking medical insurance quotes go through each of the health insurance benefits and remove the ones you will not be needing.

For example, if you have children already or you and your partner do not plan to have children in the near future then removing that may reduce your medical insurance rates dramatically.

Consider increasing the deductible (amount the insured must pay out-of-pocket before the insurer pays the rest of its share) and resubmit your medical quotes request. This may make a major difference in your medical quotes premiums once you change the plan deductibles.

Make tiny changes in the benefits of your medical quotes requests and you will see differences in your monthly premiums. It will give you a better picture on the types of medical insurance coverage you are comfortable with that fits within your monthly budget.

Have Multiple Medical Individual and Family Plans Under one Policy

Some carriers that offer both individual and family plans may also allow you to have multiple plans under the same family policy. This allows you to rearrange the needs specifically to each individual in your family and can really work to your benefit.

If You Are Switching to a more Affordable Medical Coverage Plan:

Thinking to buy health insurance to replace your old plan? ALWAYS make sure that your new plan is in effect before cancelling the original medical plan that you had. By doing this you will be protecting yourself and those who are also covered under the plan. There have been families who cancelled their health plan for one company too early when they were applying for health care later to find out that they were not approved for their new plan or not all family members were accepted into the plan.

Evan Povich is a representative of Insurance Comparisons Site. offers cheap insurance quotes from over 100 of the top insurance companies offering life insurance quote / life insurance quotes, car insurance quotes, health insurance quotes, homeowners insurance quotes and Long term care insurance (LTC Quotes).

We strive to provide cheap insurance quotes online. In order to save money on your insurance it is imperative that consumers compare insurance price quotes for whatever insurance they are planning to purchase.

Individual life ins agents have a vested interest in providing you with only one option: a medical insurance policy with the company they work for. If you are planning to buy health insurance our job is to provide you with multiple competitive and affordable family health insurance quotes allowing you to compare and decide for your self which one is the best option. This will save you not only an immense amount of time but a serious amount of money.

Content Writer for Health and Medical Articles

Content is king and if you are a webmaster searching for a content writer for health or medical articles to put on websites and get revenues, this piece of information would be really helpful to you.

Before we get on to the topic about who to choose for medical or health article content writing, we should look at the scenario of yesterday and today! Just ten years back, the Internet was considered to be the supreme source of entertainment and information but nobody thought that it would revolutionize the world of business today.

Websites typically related to healthcare or medical niche is on the rage nowadays. This is because most of the computer literate people would search for health tips, causes and treatment online. In addition, they rely on content written for medical and health stuff and go for the treatment accordingly. Ethically, if content related to health or medical care is written by a general (common) writer, it is doubtful. How can you expect a commerce graduate writing genuine stuff about diseases and their treatments? Needless to say that the common writer hired for medical or health related articles would mostly depend upon the blogs and forums available on the Internet. I do not deny that all websites that deal with healthcare or medical science are not up to the par but then, search is search, the process that renders page results depending upon the SEO.

The best way to overcome all such hassles is when you set up your mind to promote health or medical related websites, get content writing service preferably from a doctor or medical domain expert. Though doctors are not so well acquainted with computers and find least time to browse and write genuine content, there are few medical professionals who are in media and publishing services as their hobby or business.

If you want to augment the overall campaign of promoting websites addressing health or medical niche, approach content writer for writing medical health articles in an SEO friendly way. Said this, when you get a final content about healthcare, the information is rich with medical facts and is search engine optimized so as to bring it up on SERPs (Search Engine Result Pages).

A doctor can be hired for writing medical or health articles on different subjects such as diet, home remedies, breast enlargement, penile enlargement, weight loss or obesity, diabetes, signs and symptoms of diseases, causes and diagnosis of the health ailments, alternative medicines and herbal therapies etc.

Making the Most of Health and Medical Internet Searches

With all of the news media covering health and medical related issues over the past couple of years, there has been a surge in Internet related searches for these subject matters. People are turning to the Internet to find the information that they need on diseases, medical conditions, health issues and where to find the best doctors for the conditions that they have. Due to this, there is a great opportunity for Internet marketers to place ad campaigns and write content on health and medical related matters.

Those seeking medical attention are always looking for the best doctors in the field that they need and this is where Internet marketing can come into play. There are several online services that rate doctors by patient reviews in every area around the United States. There are also websites that allow users to find out the credentials of doctors and other information, such as how long the physician has been in practice and where they received their medical degree.

Taking this one step further however, there are doctors all over the world that have become popular due to either their medical expertise or media that has been published on them. Internet users are now searching for doctors by name, and this is another area for Internet marketers to jump in on. By writing blogs, posting information on popular physicians and providing the information that people are looking for, it is going to drive Internet traffic to websites that market to this medical marketing niche.

This is just one way that Internet marketing professionals, blog writers and PPC advertisers can increase their traffic flow and create more revenue for their websites. There are always new up and coming niches on the Internet and to make the most out of marketing, it is important to stay on top of these trends.

Health and Medical Insurance – Information You Need To Know

Health and medical insurance are a must if you don’t want to compromise on the quality of health care and at the same time reduce the cost to yourself. Many people tend to ignore health insurance because they think that an unforeseen emergency will never happen to them. However, the situations today are such that there are umpteen health hazards at home and in the workplace. At the same time, the stress levels in life have increased a lot, which add to the health hazards. There are a lot of instances of very young people developing serious lifestyle diseases like hypertension, diabetes, etc. If a major illness strikes you or any of your family members then it is advisable to be protected by sufficient health and medical insurance.

There are different types of health covers like private, family, business and group health insurance policies. The one that you buy depends on your requirements and one good way of analysing these requirements is to consult the insurance brokers that operate throughout the country. Otherwise also buying health insurance can be somewhat confusing with the largest number of companies out there each trying to claim that it is the best. In this situation, a reliable insurance broker will be able to guide you as to which company and which policy will be the best suited for you. Another thing that you need to keep in mind while opting for an insurance policy is that it should be customized for you. This is possible when you consult an independent insurance broker as they are associated with a large number of insurance companies. They will definitely be able to find a tailor made policy that will suit your requirements perfectly.

Not only will you save a lot of time while dealing with the insurance brokers, but also a significant amount of money, as well. If you try to look for an insurance company by yourself, it means endless hours spent on the internet looking at various websites. This will be prevented if you consult insurance brokers. At the same time, these brokers will be able to get you the best policy at the most affordable rates. These brokers are adept at creating the best balance of coverage and costs while choosing an insurance policy for you. Most insurance brokers in the country have a strong internet presence in the form of their own user friendly websites. These websites provide all the information about their services, skills and expertise.

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