• Business and Finance
• Family
• Computers and Internet
• Auto and Trucks
• Education
• Health
• Hobbies
• Home Improvement
• Legal
• Marketing

• Home
• Arthur's Articles Home
• Browse Categories
• Browse Authors
• Submit an Article
• Search for Articles

Home » Family Articles » Family And Individual Health Insurance Plans What You Need To Know

Family And Individual Health Insurance Plans - What You Need To Know

Deciding which individual and family health insurance plan is just right for you and your family can seem as challenging as judging which apple is the very best out of an entire barrel at the supermarket. The apples are all different sizes, shapes and colors, and the health insurance plans all offer different fees, types of benefits, and levels of coverage.

For many people, the group health insurance plan sponsored by their employer offers them the most affordable coverage. Group health insurance is exactly what it sounds like: a health insurance plan or plans offered to groups of people through their employers. Individual and family health insurance, on the other hand, is offered to individuals and families instead of employer groups, and it can be a much more attractive and affordable option than many people believe.

Because individual and family health insurance is not offered through an employer, those who choose this type of insurance will pay the entire cost of the regular premiums. However, there is a wide range of plan types available, allowing smart consumers to maximize the coverage they are receiving for the money they're investing in the plan. In some situations, they may even be able to save money compared to what they would have spent in premiums for an employer's group health insurance plan. Either way, consumers should never forget that the money they're spending each month for health insurance is 100% tax-deductible.

There are two basic types of individual and family health insurance plans: indemnity and managed-care. An indemnity plan gives its policy holders more freedom to choose the source of their health care, allowing them to receive treatment where and from whom they choose. It is also likely to require them to pay out-of-pocket for the services they receive and file the paperwork themselves in order to be reimbursed. Many indemnity plans also require higher deductibles that must be met before the plan coverage will begin, and they also pay claims based on a percentage of the cost for the care. Managed-care plans, on the other hand are usually based on a network of approved health care providers from whom their policy holders can receive treatment. Because this network of providers has, in most cases, agreed to provide the treatment at a pre-set price, the care will cost less out-of-pocket for the consumer. The paperwork is generally taken care of by the health care provider instead of the policy holder, and the care is covered with only a low percentage coinsurance or set co-payment amount required from the policy holder.

There are three types of managed-care plans: HMOs, PPOs, and POS plans. These options are all based on provider networks and require their policy holders to pay for their health care depending on their tendency to seek care from in-network or out-of-network providers.

In each category, there are dozens of available plans offering different levels and types of coverage that allow users to choose based on personal needs. Many plans require a deductible amount to be met for each plan year before coverage begins, and monthly premiums are likely to be lower for plans that have higher deductibles. This along with other factors affects how much the plan will cost the consumer to use. Therefore, a person who expects to seek health care only a few times a year will likely benefit by choosing a plan with a lower monthly premium. On the other hand, those who seek routine care and have a history of more physician visits, and/or who regularly fills expensive prescriptions, can best serve their medical needs with a plan requiring a higher monthly premium and low or no deductible.

These are not the only factors that should be considered when choosing a plan. Someone who travels often may want to consider the possibility of needing to seek care while far from home and the advantages of an indemnity or a more flexible managed-care plan, so that unexpected out-of-network expenses can be covered. Women who expect to become pregnant during their plan year must carefully study the coverage offered to them during pregnancy and delivery. No plan is right for everyone; that's part of the reason there are so many from which to choose.

Making a smart choice requires thorough study of the plans available. The needs of every person who will be covered by the plan should be taken into account. With careful consideration and planning, those needs can all be met affordably through family and individual health insurance.

And here is another random article you might be interested in...

Is This Any Way to Run Your PR?

You bet!

Especially for business, non-profit and association managers who REALLY need to persuade their key outside audiences to their way of thinking. Then move them to behaviors that lead to the success of their department, division or subsidiary.

Could this be you? If so, you may need to reduce your emphasis on tactical public relations weaponry with its simple print and broadcast mentions.

And instead, use a broader, more comprehensive and workable public relations blueprint to alter your key external audience perceptions â€" perceptions that deliver the changed behaviors you need to achieve your managerial goals.

Why go to this much trouble?

Because of the possible results, of course. Results like new proposals for strategic alliances and joint ventures; customers making repeat purchases; prospects starting to work with you; membership applications on the rise; capital givers or specifying sources looking your way, and even bounces in showroom visits.

But, what about that core PR blueprint that gets everyone working towards the same external audience behaviors, and that insures that your organization's public relations effort stays sharply focused?

Try this on for size: people act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and moving-to- desired-action the very people whose behaviors affect the organization the most, the public relations mission is accomplished.

Just what will you do with such a plan?

Well, find out who among your key external audiences is behaving in ways that help or hinder the achievement of your objectives. Then, list them according to how severely their behaviors affect your organization.

But what do members of that key outside audience think about your organization? If the budget to pay for what could be costly professional survey counsel isn't there, you and your PR colleagues will have to monitor those perceptions yourselves. Actually, they should be quite familiar with perception and behavior matters.

Best way to get that handled is to meet with members of that outside audience asking questions like "Are you familiar with our services or products?" "Have you ever had contact with anyone from our organization? Was it a satisfactory experience?" And if you are that manager, you must be sensitive to negative statements, especially evasive or hesitant replies. And watch carefully for false assumptions, untruths, misconceptions, inaccuracies and potentially damaging rumors. When you find such, they will need to be corrected, as they inevitably lead to negative behaviors.

Now we select the specific perception to be altered which then becomes your public relations goal. You obviously want to correct those untruths, inaccuracies, misconceptions or false assumptions.

Here we go with the strategy. Fact is that a PR goal without a strategy to show you how to get there, is like clam chowder without the clams. So, as you select one of three strategies available to you (and especially constructed to create perception or opinion where there may be none, or change or reinforce it,) what you want to do is insure that the goal and its strategy match each other. You wouldn't want to select "change existing perception" when current perception is just right suggesting a "reinforce" strategy.

O.K., it's writing time â€" time to prepare a compelling message carefully constructed to alter your key target audience's perception, as specified by your public relations goal.

Fortunately, when you distribute it, you can always put your corrective message together with another news announcement or presentation which may serve to downplay the apparent need for such a correction.

The message conveyed must be compelling and crystal-clear as to what perception needs clarification or correction, and why. Of course you must be truthful and your position logically explained and believable if it is to hold the attention of members of that target audience, and actually move perception in your direction.

Occasionally, you'll hear the communications tactics needed to move your message to the attention of that key external audience, referred to as "beasts of burden" because they must carry your persuasive new thoughts to the eyes and ears of those important outside people.

Actually, you have a wide choice because the list of tactics is lengthy. Included are letters-to-the-editor, brochures, press releases and speeches. Or, you might choose radio and newspaper interviews, personal contacts, facility tours or customer briefings. There are scores available and the only selection requirement is that the communications tactics you choose have a record of reaching people just like the members of your key target audience.

Again fortunately, things can always be hurried along by adding more communications tactics, AND by increasing their frequencies.

Those around you will soon be asking about progress. But by that time, you will already be hard at work remonitoring perceptions among your target audience members to test the effectiveness of your communications tactics. Using questions similar to those used during your earlier monitoring session, you'll now look closely for signs that audience perceptions are beginning to move towards your position.

Yes, I believe this IS the way to run your PR, in particular when you are doing something about the behaviors of those important outside audiences that most affect your operation....when you are creating the kind of external stakeholder behavior change that leads directly to achieving your managerial objectives....and when you are doing so by persuading those key outside folks to their way of thinking by helping to move them to take actions that allow your department, division or subsidiary to succeed.

end

Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at mailto:bobkelly@TNI.net. Word count is 1030 including guidelines and resource box.

Robert A. Kelly © 2004.