Contact Chiropractor Huntsville AL Once You Met With An Accident

No one loves to be a victim of accident. It is the most unfortunate condition that you can possibly get involved with. Being involved in accident like motorcycle or car collision can lead to some serious injuries. You can feel some of those injuries right now and others might take some time to grow on your body. No matter whatever the reason might be, the injuries are quite serious and should be treated with utmost care. Even when the initial scratches and bruises are covered, the internal pain remains. To treat that, you need chiropractor huntsville al right away for that immediate help now.

Only a pro can heal:

There are some problems, which are hard to work on by anyone under the name of chiropractor. You need to select the one with years of experience. They know what they are doing and will address the perfect help as asked for. Now, being an experienced chiropractor is not that simple and calls for some help. Without wasting time, it is important to log online and get help from the pros. Check out their working experience, certification to prove their worth and then final decide to take help from their offices. A little bit of research won’t harm you much!

Check out areas of specializations:

There are some chiropractors, who will mostly specialize in car accident based injuries. They are able to diagnose a patient and treat him or her properly using various kinds of methods. There are multitudes of injuries available and each one has a special treatment under its belt. Only an expert will be able to cover that for you. So, once you get involved in accident, make sure to book an appointment with the chiropractor right away. It should be your top priority for sure.

Unemployment Health Insurance Alternatives – COBRA and Beyond

What Is COBRA?

COBRA is NOT health insurance. It is, rather, a federal law that helps some terminated employees stay in their group plan for several months. It can be critically important for some families, and can work out well if the insured worker can find another job with group insurance before the benefits run out.

However, this does not work out for everybody. Here are some reasons why COBRA is not an unemployment medical plan choice for everybody.

Not all companies are under this mandate. Some companies never had a group plan in the first place. Others are too small to fall under the rules. So terminated employees from these companies will not have his option for a major medical plan. Some unemployed people do not have this option at all.
When a terminated employee accepts an extension of their group medical plan under COBRA rules, they will have to pay for it. In many cases, they not only have to pay the premium they paid before, but they will also have to pay the old employer contribution. Many terminated employees are shocked when they see that their premium will double or triple because the old company is not contributing any longer. So sometimes the premiums are just too expensive for unemployed people to pay!
What are some unemployment health insurance alternatives?
Unemployed people do have some alternatives. These alternatives can also be considered by people who are working, but have jobs or self-employment that does not have group medical benefits.

Individual Health Insurance Policies – Sometimes, if a family is fairly young and healthy, a private plan may actually be a less expensive way to find coverage. Policies are individually underwritten by health insurers, and they may offer low rates to a fairly healthy family.

Before you switch from group to individual major medical, make sure you understand the difference between the old and new policies. There are some circumstances, as with some preexisting conditions or pregnancy, that a private plan will not be a good alternative.

High Risk Health Plans – Every US state has some plan or pool for people with pre-existing conditions. There are qualification rules, possible waiting periods, and sometimes there are high premiums though. Federal health reform is starting to make this easier and less expensive to obtain, but those changes are still being implemented. You should be able to find out more by searching for the high risk health plan in your state. New Jersey has a very different plan than Texas has, for example, so it is important to understand the local rules.

Low Income Health Plans – If you have a very low income, you may be able to get the help you need from a private, federal, state, or county health program. Medicaid is the federal major medical plan for very low income people with few assets. CHIPS covers children from low to moderate income families. Many counties also have health systems with sliding scales fees. Private foundations may offer financial aid for specific health conditions.

You can find out more about your options by looking for state or county resources. One good website is It has a handy zip code search for help in your area.

How To Find Health Insurance Choices Where You Live

You can find many zip code health insurance quote forms. They will give you competitive prices on major medical insurance, and will also give you contact information for local agents who should know the ropes, as they say, in your city or town.

Valuing Your Health Through Cobra Health Insurance

Most people are surprised to see how COBRA health insurance can be too expensive. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. This health insurance is passed by the United States Department of Labor which gives individuals the right to receive health benefit plans and to continue receiving them for up to 18 months after they are laid off from their jobs and they are unable to find a new one. This must be the reason why this insurance can be too costly. Aside from the full payment, you also get to pay the 2 percent administrative costs. However, the COBRA Stimulus bill can help you pay this amount through the subsidy of the US government which usually amounts up to 65 percent of the premiums.

Qualifying for the COBRA health insurance involves losing the health benefits you get from your current employer. This happens when your employer reduced your working hours or your company or group has a recent downsizing. But take note, those employees who are terminated because of bad conduct are not qualified to receive this kind of health plan. Also, if you have just turned to 22, you are qualified to this plan since you are already officially declared independent from your parents and are not covered in the health plan your parents are able to provide you for the last twenty one years. These requirements are simply manageable if you really want to apply for this health plan.

The qualified beneficiaries are expected to have the same health benefits package they are able to receive from their previous health benefits package. This package may include hospitalization, medical or dental consultations. COBRA health insurance gives you this special privilege. Though it can be expensive, you are able to have quality health benefits. You can be sure that your money is not put to waste.

But since most people cannot pay these extensive monthly bills, COBRA health insurance has come up with a benefit plan that is less costly. This plan is a temporary insurance. This health plan covers up to 12 months. You can have access to those benefits similar to a fully-covered health insurance with this plan. This can be the very option of those people who do not have permanent job or just have graduated from school. COBRA wants you to value your health without being a burden to you.

Why Do We Need Health Insurance?

With Medical Health Insurance, you are not just safe guarding your life and your health, but you are also preventing yourself from making costly bills. Unexpected expenses that arise from medical institutions can lead your financial down fall. In a recent report published by the National Coalition on Health Care, it was noted that in America, every 30 seconds one person’s finances crash because of health problems.

Health Insurance is there to ensure a healthy society and a nation as a whole. An American college also stated that, people who are not insured are very much likely to suffer from chronic diseases such as breast cancer which could have been averted should they had been diagnosed through regular checks. In general, uninsured people do not have many chances in disease prevention services than those insured. They are at greater chances of death, at about 50%.

Health Insurance causes a significant reduction in your expenses as most of your medical expenses would be divided and shared between you and your insurer. There are network discounts which are set by insurance companies and medical health care, in such that an insurance company will give you a discount should you be attended by one if their recommended doctors. In the end, you will pay much less than you would have.

Have you ever thought of living without Health Insurance? Statistics in the Department of Health say that the number of Americans who are not insured has greatly risen to over 40 million, with the majority of them coming from working families. The biggest group without any medical Health Insurance is the youth aged between 19 and 29 years. These are commonly referred to as the “young invincible” because they think that somehow their youth will always protect them. However tragedies such as illness; accidents and death are not respecters of age and if you are not insured, brace yourself for problems.

Another large group of people without medical Insurance are women. They are more than 15 million of them and they often suffer from diseases as they spend most of their time using their own treatment methods. Most insurance institutions use good measures like gynecological inspection which could help in the early diagnosis and prevention of many female associated diseases.

Lack of adequate and affordable health care insurance can complicate a lot of things and lead to fatal conditions such as paralysis and worse death. People without Health Insurance often die much earlier than those insured and most of the causes of death would have been prevented.

In another study conducted at Harvard University, it was noted that about 50% of all bankruptcies are caused by medical debts. Medical debts can cause a major financial collapse for you. Other independent research also showed that extra medical expenses contribute heavily; in fact, they are one of the catalysts which trigger financial collapse among individuals.

Anti-Trust Laws to Cover Private Health Insurance Plans in the US

The healthcare reform proposal in the US is expected to make private health insurance plans in the country more comprehensive and reasonable when it comes to claims. To many experts, consumers, and industry critics, subjecting the health care insurance industry to antitrust laws would be beneficial.

John Doe, a 30-year old freelance writer based in New York recently had an unplanned check up with his doctor. He paid $300 for the medical service. When he reimbursed the amount from his healthcare insurer, the company only handed him $200. The insurance firm claimed that the amount it paid was the service’s ‘usual and customary rate.’ In this case, there was clearly a $100 hole in John’s claim. Policy owners of private health insurance plans normally encounter such problems across the entire United States.

You might ask the identity behind the ‘usual and customary’ rates for medical services. It is not actually a person but a database. Many experts assert that the database used for such rates are intentionally skewed to push rates downward. This is made possible through the faulty information collected for the system. Many observers also raise doubts about adequacy of audits and appropriateness of pooling procedures for data collection used in such databases. It is not surprising that several health care providers use artificially low rates so that reimbursements could be low-balled.

In 1945, a legislation called the McCarran-Ferguson Act exempted private health insurance plans from existing federal anti-trust laws. After many decades, there are now proposals to lift that shield to make the health care insurance industry subject to anti-trust legislations that cover all other industries in the country, except of course professional baseball. This is obviously and logically part of the long-standing debate about the currently proposed healthcare reform in the US.

The reform in the healthcare insurance industry would be carried out by the Health Insurance Industry Fair Competition Act, which was passed by House legislators in February 2010. It is still up for final approval and implementation. The bill would make medical and health insurers subject to similar federal legislations that outlaw bid rigging, price-fixing, and basic market allocations that are now imposed across all other industries. This is expected to be raved about by numerous consumers who intend to maximize the use and claims from their private health insurance plans.

Healthcare insurers, for their part, assert that the bill truly is not necessary. They claim that they have already been precluded from basic anti-competitive practices under different state laws. They also claim that most of them do not engage in such unlikely practices anyway.

Consumer advocacy groups, on the other hand, emphasize that problems about health insurance claims would not possibly happen if there were no antitrust exemption that spares the healthcare insurers. Overall, many people hope successfully repealing the McCarran Ferguson law would somehow help ease out the current problems they have regarding their health insurance policies.

Health Plan Versus Health Insurance

Historically in the US, Health Maintenance Organizations preferred using the name “Health Plan,” whilst insurance firms preferred the name “Health Insurance”. A health plan is a medical care arrangement offered by Health Maintenance Organizations through the payment of a fixed subscription. Preferred Provider Organizations and/or Point of Service Plans are also similar to pre-paid legal services and pre-paid dental plans. In a pre-paid health plan, you pay for a certain plan at a fixed rate for a fixed number of services. Say for example $200 for preventive care, care given from skilled nurses, and a certain number of days in hospital care.

Comprehensive Versus Scheduled

With Comprehensive Insurance, the insurer pays a certain percentage for the cost of a physician and the hospital after deductibles and this mainly applies to hospital and physician charges. There are however certain conditions to be met for the insurer to pay that percentage which is usually 80% of the total cost or depending to the policy agreement. This plan is generally expensive, but it comes along with high payouts. Payouts can be up to as much as between $1,000,000 and $5,000,000.

Scheduled plans are more of basic policy plans that offer coverage for daily health care needs such as visiting the doctor and or getting prescribed drugs. Of late scheduled plans are known more as “Association Plans” because they require being members of an association that does not deal only in insurance, but also in other entities. An example of such an organisation is the Health Care Credit Union Association and these Comprehensive plans offer coverage for instances such as hospitalisation and or surgery. Scheduled plans are however limited to some extent and they do not offer coverage to catastrophic events that may happen to the policy holder. These plans cost a lot cheaper than Comprehensive plans and in the event of payouts, they pay directly to the health provider. Payment benefits are based on the plan’s program and benefits may range between $1,000 and $25,000 yearly.

Factors affecting Health Insurance prices

In a recently conducted study by an independent source, it was revealed that the ever increasing cost of Health Insurance is because of the increase in utilisation and demand. More and more consumers are in need of Health Insurance and factors such as newer medical technologies and more diagnostic testing have caused an increase in demand. In developed countries people tend to live longer and that has contributed to an increase in the aging population and therefore a need in medical care. Increased medical research and technology generally causes the cost of medical treatment to increase significantly. Lifestyle habits also do contribute to an increase in the cost of medical treatment, obesity is on the increase, so are cases of cancer and all these give a rise to medical treatment and in turn gives rise to Health Insurance. Other factors noted by this independent study were that an increase in drug and alcohol abuse has led to the need of medical treatment.

The World of Chaos – Organized Medicine + Politics = Health Care Reform

We used to say the two biggest lies are “The check is in the mail” and “It won’t hurt a bit.” Now, there is a third biggest lie, which is, “We have the best health care system in the world,” as Bill Clinton and George Bush uttered repeatedly during their respective terms. On the other hand, all of the standard measures of health care quality points to ours as being “the best substandard price-gouging health care system in the world”. One such measure is a comparison of cost and longevity. For example, Americans live an average of 77 years at a cost of $4,800 per person per year, while Spain, Canada and Japan respectively have life span-to-cost ratios of 79 years at $1,100, 81.5 years at $2,100, and 81 years at $2,000.

Another measure is the infant death rate per one thousand live births and the U.S. has a rate comparable to third world countries at 6.9 compared to 5.3 in Denmark, 4.6 in France, 3.4 in Sweden and 3.2 in Japan. Additionally, the World Health Organization ranks the United States as 37th in the world, which puts us just behind Costa Rica.

Therefore, we can see that the people of other countries get better outcomes for much less cost, suggesting that we Americans are paying more for inferior quality products and services. Although President Obama and other politicians acknowledge that health care is too expensive, they seem to be downplaying the fact that organized medicine has been giving the public a royal hosing for decades.

Some of the problems with U.S. health care delivery as many other experts have also pointed out are as follows:

Hospitals, nursing homes and clinics are unsafe with medical and nursing negligence being the fifth largest cause of death in the United States.

Lack of access with 76 million uninsured (adding illegal aliens) and 106 million underinsured;

Out of control cost with health care being 16% of gross domestic product (GDP) at $1 trillion which is a 250% increase over the last 25 years;

Price gouging, with hospitals and doctors charging uninsured patients 1000% more than they accept from third party payers;

HMO premium price gouging with high deductibles charging 300% more for individuals who purchase directly rather than through a group;

Health care corporations are guilty of bilking billions of dollars from tax payers with fraudulent billing practices;

Doctors perform unnecessary surgery with bogus diagnoses;

H.M.O. members have to call for approval before going to emergency rooms with call centers outsourced to non-professional personnel in India and other countries;

Administrative cost of DRG’s and CPT codes is $375 billion per year – 25% of total health care expenditures;

Pharmaceutical companies obtain FDA approval for toxic drugs by paying large research grants to medical research facilities to achieve favorable results;

Pharmaceutical companies pay bribes to physicians to prescribe their over-priced toxic drugs with tens of thousands falling prey to side effects.

This short list of scams and rackets is really the largest, most harmful and costly criminal conspiracy in history. The perpetrators include HMO’s, pharmaceutical companies, hospital and physician groups and politicians. Additionally, with the political corruption achieved through expensive lobbying to defeat all attempts to impose regulatory standards, we can see why we pay such exorbitant prices for such shabby health care.

Useful Tips on High Deductible Health Insurance Plans

Today USA people find it harder and harder to cope with the ever growing medical expenses and health care costs. Of course, there are many insurance plans available on the market, but not everybody can really afford to pay high premiums on those plans. Some people call the situation on the medical service market a catastrophic health crisis. But, in this post we will take a look at the kind of high deductible health insurance plan, which allows people to afford moderate size or even minimal size of premiums and still have their medical needs covered. We will take a look at some pros and cons options and will try to figure out how one can benefit from this kind of medical insurance.

Now, let us start with the definition of what the word deductible means in the high deductible health insurance context. A deductible is the amount of money you pay covering your own medical expenses before your insurance company steps in and starts to cover your health care needs with their funds. Basically, many insurance companies do not cover any medical expenses, including such things as prescription drugs or emergency services, until you pay down and use up your deductible. So, in order to benefit from that insurance plan you have to have your savings on hands in the amount stated by your high deductible health insurance plan. So, you may wonder: what good is this kind of insurance if I still have to pay for my medical needs from my own pocket? Well, the trick is this: the higher is your deductible, the smaller monthly premiums you pay. So, this makes high deductible health insurance more affordable, than other kinds of plans. That is the major benefit of resorting to the high deductible health insurance plan. You simply get a chance of cutting down your monthly expenses and still have certain medical insurance protection.

But, of course, this kind of high deductible health insurance plan requires a person to be organized and plan his or her deductible expenses from ahead of time. That is why most high deductible health insurance plans work well together with HSA (Health savings accounts). These special accounts allow people to save there enough to cover their deductibles. Besides, you can benefit from the high deductible health insurance HSA compatible plan, because this account allows people to draw money out for medical needs tax free. And, people over 65 years old are allowed to draw money from their health saving accounts tax free, using them for any purpose they want.

However, to find this high health insurance plan most suiting to person’s medical needs, one has to consider certain things, such as current or past health conditions. People with severe health problems might need more extended medical coverage and more expensive one, so high insurance plan may not work well in this case. But, if you lead a healthy lifestyle and have no current or past medical conditions, than a high deductible plan covering your major medical needs would also help you to save on your health care service costs and cut down your high monthly premiums by consenting to go with higher deductibles.

Diktat of Today’s World – Health Insurance

One industry which has really grown in this past decade is the health insurance industry. Why is it so? Have people suddenly started falling sick more often or have the number of accidents increased? While today’s hectic life might lead to these things the main reason for the growth of this sector is the rising awareness in the world today. Everybody is realizing the importance of the saying “health is wealth”. Turns out it’s pretty easy to abide by these words too. The range of options available makes it easy for everyone to have a insurance cover. Are you self employed? Are you concerned about not being covered by your employer’s scheme anymore? Well worry not because there are custom made schemes just for you. Yes, affordable health insurance the world. Everybody is waking up to the reality that life can be unpredictable. So better safe than sorry. Short term insurance is one of the many options available nowadays.

For the self employed it is best if they go for a short term plan because this way they can buy some time. A person who has just started his own business will want to concentrate only on his business initially. So worrying about insurance is last on anybody’s mind. A short term plan will give you cover of up to one year maximum. Enough time to get your things in order. And looking for the most affordable health insurance self employed should be the least of your concerns because the internet will solve your problem if you are not willing to go around and find out from different places. You can find any type of plan online. Most people who are employed in a company are covered by their employer’s scheme. And if you are leaving your job and heading out with your own venture then too you can extend your employer’s cover for a few more months. This is the COBRA benefit. You can make a custom plan to suit your needs. A short term plan is ideal for people who think they don’t need insurance. Your premiums are kept to the minimum. And at the same time you have a cover. So just in case you do run up huge medical bills you are protected.

Old age should not be the barometer for deciding when you need health insurance. One large medical bill can totally mess up your financials and can even wipe you out of all your life savings. Nobody wants to be caught in such a situation so being prepared is the key. You stand to gain much more from a health insurance than anybody else. So don’t consider it a waste of money. Consider it a very important investment towards your future and towards your health. So go out there and find yourself a plan which is made for you. It’s easy since you even have the choice to design your own plan.

Accident Health Insurance – Plan For the Emergency Room

Accident health insurance supplements are being used to cover upfront injury related expenses for the ER. Plans can be used to compliment an existing health insurance policy or just as a personal injury plan to pay for any unexpected ER visits or surgeries.

Many Americans are concerned with insuring the everyday mishaps like bodily injuries and emergency room coverage. Of course, insuring things like Cancer and Heart Attacks are important, but for younger adults and especially kids, emergency room visits are far more prevalent. Unfortunately, a trip to the emergency room isn’t cheap and the healing process from a serious bodily injury can be exhausting. Damaged body parts often need to be surgically corrected and the post operation Physical Therapy sessions feel like a Sylvester Stallone Rocky Movie. I’m not going to lie, the Rocky Four soundtrack got me through my Physical Therapy workouts post ACL Knee surgery.

Health insurance for the self-employed is especially complicated when it comes to emergency room visits. To qualify for a Major Medical PPO plan one must go through underwriting and medically qualify. Assuming you get approved, you’ll need to select a deductible and plan style. The most cost effective PPO policies in the individual health insurance market are the HDHP (High Deductible Health Plan) plans. Deductible is the out of pocket expense the insured has before the health insurance policy picks up the bill. PPO stands for Preferred Provider Organization and is the type of health insurance that lets you choose any doctor. Choosing any doctor isn’t necessarily true, theirs a lot of gray area with “being in network or out of network” with PPO’s.

Deductible options for individuals in the PPO market are $1,500, $2,500, $3,500, and $5,000. Typical family deductible options are $3,000, $5,000, $7,000, and $10,000. You’ll want to choose a co-insurance of 100%. Co-insurance is the shared expense between you and the insurance company after the deductible. Most people are familiar with 80/20 % co-insurance. 100% co-insurance is popular because you won’t need to understand Calculus to figure out any future hospital bills. Insurance plan picks up 100% of the bills after deductible with this option. On a side note, it’s a good idea to set up a Health Savings Account. HSA’s have some decent tax advantages and you can set up an account equivalent to the deductible amount. So a $10,000 HDHP can have a $10,000 health savings account attached to it. The yearly max contribution to the health savings account is determined by your HDHP deductible. Ask your CPA about health savings accounts if your self-employed.

Higher deductible health insurance plans have lower monthly premiums. However, with that high deductible comes risk of having to owe that deductible amount if you use the health insurance. A $5,000 dollar deductible hospital bill is one broken bone away. Guess how a lot of Americans end up paying that HDHP $5,000 deductible? You guessed it, in the emergency room from a accidental bodily injury.

Accident health insurance supplements have been doing a good job filling this ER gap for years. Other names used for this plan include personal accident insurance, emergency room insurance supplement, accident medical coverage, personal injury insurance plan, 24 hour accident coverage, and accident supplemental benefit plan. These plans are under marketed in my opinion, and most licensed health insurance agents are doing a disservice to their clients if they don’t bring it up. I say this because so many people are shelling out a lot of money each month to insurance companies, and if they actually use the insurance could be stuck with a huge deductible bill.