TravelinsuranceKit.info

No one can possibly predict what is in store for you and your health in the future. So we all have to be financially prepared in case of any health emergencies or problems, and the most basic element of being prepared for any medical needs is by purchasing a medical health insurance. Obviously if you stay fit and healthy you will not be faced with sudden financial pressure. But if you are sick or injured, you need to make sure that you have the financial capability to seek the best medical attention possible.

For the above reason, health insurance is a must. It gives you the confidence and peace of mind for whatever the future may hold. You may recognize the usefulness of a comprehensive medical insurance, yet may be extremely confused about the quality of the various medical insurance products. It is important that you compare and evaluate the quality of medical insurance products in order to help you make an informed decision.

First of all, do not assume beforehand that the medical insurance policy you have subscribed to provides you with the best services and health care. Just as the quality of health care varies with doctors and hospitals, every medical insurance policy differs in terms of quality for various reasons. In order to help you compare and evaluate the various medical health insurance plans, the ‘measure’ can be used to judge the quality of any health care plan.

There are two major components of the quality measure that helps you decide whether your health care plan is of a good quality. These two factors are:

Consumer ratings – Consumer rating refers to the assessment of the health care from the consumer’s point of view. Clinical performance measures – The clinical performance measure refers to the extent of the health care organization’s success in preventing and treating illnesses and disease.

The data used to compile these quality measures for medical insurance come from various resources:

Quality Reports – These reports include consumer ratings or clinical performance measures, or both. This is a document which highlights the issues that help you identify the best plan for yourself. It however does not tell you which plan is better or worse. Accreditation Reports – This report is specifically meant to help the consumers find out information about their health plans, hospitals, and nursing homes. To earn accreditation, the health care organizations have to undergo the scrutiny of stringent national standards. Thus accreditation translates into a seal of approval and the medical plan that includes accredited health care organizations can be trusted.

By: Susan Jan

About the Author:

Purchasing medical insurance fills you with a sense of security and confidence that you and your family are well covered. But your responsibility does not end with purchasing a medical insurance policy. Any financial product comes with a number of features and benefits, and you should take the time to understand what benefits and facilities you are entitled to receive from your medical plan. If you are fully informed about your medical plan you will be able to use it to your full advantage. Here are some tips to help you accomplish that goal:

Go Through Medical Insurance Policy In Detail

Carefully go through the policy and member handbook to learn about the benefits, coverage, and limits. It is a good idea to subscribe to a magazine or newsletter published by your insurer. These resources are particularly helpful in familiarizing yourself with the plan and company policies. Also, make sure that you are notified every time there is a change in the network of providers or covered services. You can also consult the Summary Plan Description (SPD) of the policy for additional information.

Always Maintain Records

Maintain a separate file to keep all the medical insurance related documents. Don’t throw away the plan brochures and other documents. Keep all the memos along with correspondence from your employer relating to health benefits. Also save the SPD.

Medical Insurance And Hospitalization

Even though you are in perfect health right now does not mean that you will never need hospitalization in the future. So go through the policy to find out what hospitals fall under the network of your medical insurance plan. It is also important to learn beforehand as to what sort of medical conditions are defined as a health emergency, and whether these health emergencies are covered by the medical insurance policy. If your primary care doctor does not provide you with a certificate for emergency medical care, your hospital expenses will not be covered by the policy.

What To Do If Dissatisfied With Medical Plan?

In addition to being fully aware of your benefits and rights as member of a medical insurance network, you should also learn what your options are in case of any dissatisfaction or grievance with the service or care provided. As a policy holder you are entitled to get copies of your medical test results and other information. You can also request to change your primary care doctor if you do not like the treatments or care received. All policies come with an appeals process, which can be used to appeal the insurer’s decision in case you or your doctors do not like it.

Lastly, do not shy away from contacting EBSA for customer service assistance if you do not receive satisfactory response to your grievances.



By: Susan Jan

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It’s hard to give up several hundred dollars a month for something you might not need to use all the time, but when major medical insurance is needed, the investment is more than worthwhile. Since medical bills can pile up into the thousands and even hundreds of thousands without any warning, going without major medical insurance can be a gamble most people can ill afford to take.

If you’re looking to buy major medical insurance outside of an employment situation for yourself and possibly your family, the purchase should not be considered lightly. You’ll want to review everything about potential insurance carriers from their payment records to their policy premiums.

Getting started in a search for a policy is a fairly easy under taking. There are lots of agents in most areas more than willing to help and the Internet is loaded with sites that offer free quotes. You can start with these places to find major medical insurance options, but take care to understand what kind of policy you’d like to buy first.

Before shopping for major medical insurance, decide these things:

Who you’d like covered. Policy premiums for major medical insurance coverage will vary greatly depending on who you want on the plan and what pre-existing conditions they might have. In some cases, you’ll find the pricing gap can be quite large depending on the ages and physical conditions of those who are to be insured. Type of policy. Major medical coverage generally comes in three basic forms – HMO, PPO and catastrophic. An HMO is generally the mid-line priced policy and it operates using a primary care physician to oversee all medical care. The PPO allows participants to go to any doctor in a network they wish, but it costs more. The catastrophic option pretty much only covers hospitalizations, but this can be a big deal. Deductible/co-pay amounts. You might not have control over where these are set when shopping for medical coverage, but if you want to save money monthly, choosing a high amount can really make a difference. Of course you’ll also pay more if there’s a problem, but that’s a gamble you’ll have to decide on when buying a major medical insurance policy. Drug coverage. Not all medical insurance polices offer this option, but it can be a good one if it can be had. Medications can be very costly and any price break is generally appreciated.

Once you decide what you want in major medical coverage, it’s a good idea to shop around for a policy and carefully weigh multiple choices. Don’t settle on the first policy you find. Check into major medical insurance carriers you’re considering and make sure they have good track records for payments, customer satisfaction and so on.

Going without major medical coverage is a big gamble. This, however, doesn’t mean you have to pay a fortune. Shop around smartly for decent coverage and buy a policy that fits not only your budget, but your personal needs.



By: Tom Sample

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Medical insurance companies are often paying out for treatment for heart conditions. In fact, it is up there at the top with cancers in being one of the biggest factors that will bring down British people. Without medical insurance, sufferers are often subjected to lengthy waits for treatment on the National Health Service.

However, there is good news. Scientists have discovered a drug which cuts death from a common heart problem by almost a third. Atrial fibrillation is a disorder of the heart rhythm but ‘Multaq’ has been shown to reduce the incidents of this claiming lives by up to thirty per cent.

This medical condition affects 700,000 Britons but the recent advancement in its treatment is the first in twenty years. The fast and erratic heartbeat of patients needs stabilising to avoid angina and heart failure. It is the upper chambers of the heart that are out of rhythm and causes the heart to beat up to twice its normal speed.

Another complication of this condition is the fact that it causes tiny blood clots to form and these can lead to strokes, another topper on the medical insurance claims. At best, previous treatments involved the use of digoxin which successfully slows the heart beat but cannot regulate it and death rates remained the same. Drugs to thin the blood followed by minor electric shocks to restore normal rhythm are also used.

This drug is considered a huge breakthrough because it is having positive effects on all those that are trialling it, without side effects. More than 4,500 patients from 33 countries have trialled the effectiveness of Multaq over a year and this is when it was discovered that cardiovascular deaths were greatly reduced among the group. Quality of life is greatly improved for all those taking the drug and life time expectancy is greatly increased. It is hoped there will be a license for using this drug as early as next year.

If this is something of a warning to those who are concerned about their heart health, or for those who would like to keep the cost of their medical insurance premiums down, there is even more good news as to how we can look after ourselves. Drink red wine.

A chemical found in the skin of red grapes contains resveratrol, an anti-aging compound. This has been captured and put into pill form and has received the backing of the UK’s largest pharmaceutical company GlaxoSmithKline. In fact, GSK bought out the company that made the drug for £361 million.

The drug was tried in lengthy tests on mice and it was found that they lived longer, were almost immune to the effects of obesity and rarely get diabetes, cancer or Alzheimer’s. It was also found that if the rodents were subject to starvation diets they could even extend their life by up to thirty per cent. It is believed this is because starving the body activates a gene known as sirtuin, a survival gene.

These discoveries are hoped to bring about more treatment for diseases such as cancer and Alzheimers. The same scientists have also found that flavanoids in blueberries and other fresh fruit interact with nerve cells and stimulates the re-growth of brain cells.

So, it would seem that while scientists are doing their best to find the elixir of life, it will always pay to look after our bodies to enable them to continue working as long as possible. And if this includes eating tasty food with the occasional glass of red wine then who am I to argue?



By: Health-on-Line

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International travel for the retired is here and booming! As a consequence so is the need for International Travel Medical Insurance. But whether you are 6 or 60

the need for international travel medical insurance is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or you make a trip to another country and you are injured in an accident? Or one of your children is part of a group making a visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.

International travel insurance is normally used by short-term travellers, mostly on holidays and pleasure cruises. Apart from covering medical expenses for a short travel time, it also covers emergency medical evacuations and trip cancellation refunds.

Travel medical insurance is meant for international travellers who have to go abroad quite often. There are a number of travel medical insurance companies that give support to thousands of travelling people on travel medical programs. These programs are meant to provide medical protection and assistance services in cases where people develop medical problems outside the country.

To avoid any potential medical disasters, wise travellers are prepared by carrying health insurance coverage. Check to see whether your regular health insurance takes care of medical costs in other countries. If it does, what is the extent of your coverage?

On a sombre note, have you thought about repatriation of mortal remains? In case of death the travel health insurance company will bear the cost of returning the mortal remains of the insured.

Before you leave check your policy document or contact the insurer to confirm what precise steps your insurance company requires you to take in a medical emergency. If you have to buy any treatments or medicines, again keep receipts and original prescriptions if possible.

Always read the fine print. Accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports, that means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.

Many travel insurance companies also feature discounts for owning multiple policies with them or for maintaining a good driving record. A group package is intended to cover school travels, such as sporting events, group travel, or any travel that carries ten or more individuals. Since the family packages are restricted, covering only the immediate members, the extended polices may be needed to cover additional parties. Thus, few insurance companies may offer up to 10% discounts, while others may offer more or less.

You can determine which insurance is best for you and your situation by learning about the different kinds of coverage offered by the insurance companies your familiar with. By simply phoning to get more information you’ll learn and discover the options available for your particular type of trip and destination.

Be completely open and honest about your medical history and any activities you are likely to take part in, whether you think they’re risky or not. As with any insurance policy; if in doubt declare it anyway. One of the most common defences made by insurers when declining a claim is that information was not disclosed or not correctly disclosed. Declare everything and document it.

So, if you are planning to travel, whether it is for business or for pleasure, you should definitely think about getting a single trip insurance policy. The comfort, peace of mind and assurance you will enjoy while travelling far outweigh the premiums you will pay. In case something goes wrong, you know that you will receive the best compensation and benefits.

Finally, check your existing insurance policies for possible coverage. There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.



By: Allen Jesson

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Medical insurance constitutes more important place in the human health. Medical health insurance is also the other kind of insurance provided to the individual or groups or family. Medical insurance is provided to the individual or group to protect them against any accidents or health defects using the insurance policy taken. Medical insurance policy is provided by more number of insurance companies for different policy amount required for the insurer. Medical insurance policy is the kind of insurance policy was the insurance company pays the insured person the medical cost incurred during the course or period of the policy.

Actually, the insured is required to pay off policy amount in the way of premiums for stimulated period determined by the insurer and the insurance company. Medical insurance plans compiles with all statutes, rules and regulations of the state and federal government with regards to medical insurance. Medical insurance plans offers wide offer to the individuals or groups with innovative and speculative options. More benefits can be obtained from this kind of insurances and affordable coverage health individual insurance is provided for the customers.

Some of the advantage hired from medical insurance are

• Individual medical insurance plan protects the individuals against the medical cost incurred during the course of accidents.

• Affordable health insurance plan enables the patients or person to obtain the medical treatment when they requires.

• Though the insurer does not pay the full insured amount, the medical insurance company will pay the medical cost to the insurer at the time of accidents or illness.

• Insurance policy is kind of financial instrument which can be used during medical treatment.

• Medical health insurance policy reduces the financial burden of insurer and helps to reduce their payments to the healthcare centers.

• Medical insurance plans are always estimated has profit for the insurer and it also provides interest rate for the sum insured.

• When payment of premiums and period of medical insurance policy is completed, the insurance company will pay off the insured amount to the insurer without any fraud.

Nowadays world is full of uncertainties and lots of risk is to be undergone by the people during their course of activity. So to come up with the uncertainties and risk, different kinds of medical insurance plans has been estimated different insurance company. Generally, medical insurance policy covers the cost incurred due to accidents or illness for the insurer.



By: shijina

About the Author:

The United States federal government has sponsored several social insurance programs that give benefits to qualified citizens.  These programs are designed all for giving benefits and protection to well-qualified sectors of society.  The classic example of these programs includes the Social Security, Medicare, the Pension Benefit Guaranty Corporation (PBGC) program, the railroad retirement program and the state-sponsored unemployment insurance programs.

This article will mean to explain in a comprehensible manner all about medical insurance (Medicare).  Specifically the article will tackle basic points regarding the coverage of this social insurance program of the federal government including the value of Attorney representation and guidance in matters of claims, coverage and complaints.

All about Medical Insurance Program (Medicare)

I. History

Medicare is a social insurance program administered by the United States government that insures indigent recipients.  The Medicare as well as its companion program Medicaid is signed into law by President Lyndon Johnson as amendments to Social Security legislations.  Later on, up until now, this program had undergone series of changes and overhauling.  The changes relates to the features, coverage and exact definition of covered citizens who may come to avail of this social benefit.

Originally, Medicare program has two parts, that is: Part A (Hospital Insurance), and Part B (Medical Insurance).  Later on, with the changes, Medicare Part C and Part D were introduced extending more benefits and comprehensive health insurance protection to the aged, disabled, and those with end-stage kidney disease.

II. Eligibility

Medicare is a Health Insurance Program for:



People age 65 or older

People under age 65 with certain disabilities

People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant)



III. Parts of the Medicare program

As laid above, the original Medicare program is composed of Parts A and B.  However, with the passing of time, the coverage was broadened having introduced Parts C and D.

In brief, the Medicare Plans are composed of the following:



Medicare hospital insurance (Part A) helps pay for inpatient hospital care, inpatient care in a skilled nursing facility, home health care, and hospice care.

Medicare medical insurance (Part B) helps pay for physician services, outpatient hospital services, outpatient physical therapy, other medical services that are medically necessary, and supplies and equipment that are covered by Part A.

Medicare Advantage Plans (Part C) are plans offered by private companies that contract with Medicare to provide all Medicare Part A and Part B benefits.  This has been constituted with the passage of the Balance Budget Act of 1997. Medicare Advantage Plans gives beneficiaries the option to receive their Medicare benefits through private health insurance plans instead of through the original Medicare plan (Parts A and B).  Medicare Advantage Plans are HMOs, PPOs, or Private Fee-for-Service Plans. Some plans also offer prescription drug coverage.

The Medicare Prescription Drug Benefit (Part D) provides outpatient prescription drug coverage for the aged and disabled.  This went into effect on January 1, 2006.  In order to receive this benefit, a person with Medicare must enroll in a stand-alone Prescription Drug Plan (PDP) or Medicare Advantage plan with prescription drug coverage (MA-PD).  Unlike Original Medicare (Part A and B), Part D coverage is not standardized.



IV. Medicare situations and facts

The issue of disentitlement of Medicare has been the constant problems of most claimants, since the inception of this social insurance program.  On several occasions, contentions respecting claims disentitlement beset administrative agencies tasked to implement the program.

It is accounted for disentitlement happened because of lack of proper guidance and representation in claiming this federal benefit.  Most claimants have no real inkling on the mechanics of proper claims including its substantiation.  To say, the lack of proper guidance of a Medical Insurance Attorney is wanting.

V. Attorney representation

Everybody wants to get the most of social security benefits including the Medical insurance and Medicare coverage.  However, this can hardly be attained when proper guidance and representation of a Medical Insurance Attorney is lacking.

Just like any other claims for benefits, medical insurance claim needs to undergo considerations of a good lawyer.  In order to harness a substantial claim that is both viable and workable, an adeptly qualified lawyer is required all for leading to a successful benefit claims.

Our experienced social security lawyers are knowledgeable with medical insurance and other related issues. To avail of our expert services, you can visit our website and have a free case analysis.



By: Claysphere Rivera

About the Author:

International Medical Insurance

Travel can be a wonderful experience, provided you aren’t unfortunate enough to become ill or suffer an accident that is. If you travel outside your own country, and do not have adequate visitor’s medical insurance, it could turn out to be one of the biggest mistakes in your life. Not only could it end up costing as much as a condo, it may even put your health and wellbeing into serious jeopardy. Today, visitors insurance has never been so easy to find, or affordable. So why take the risk?

What‘s covered?

Policies can cover a range of types of treatment. Primarily, your concern should be whether consultations, urgent care or emergency treatment is included. Consultations refer to visiting a medical practitioner, usually, at a medical centre. Urgent care involves more serious conditions, like a fever, a bad cut or even a fracture.

Anything which needs medical attention quickly.  Emergency treatment means any medical condition considered life threatening or any illness which could cause permanent physical damage, if treatment was delayed. As would be the case with a heart attack, stroke or any serious accident.

Pre-Existing Conditions

Most insurance companies will not cover any medical expenses incurred, for any pre-existing medical conditions. This means, any illness or condition you are currently receiving medical treatment at home for. This would include pregnancy, angina, high blood pressure, even AIDS. It is important to be honest with the insurance company before taking out any policy.

If you don’t tell them about a condition, they will find out, in the event of any claim being made. You will only be getting yourself into hot water, and, you never know, your particular type of illness may not be excluded. Every insurance company will have different exclusions in place.  When it comes to providing them with the necessary information, honesty is definitely the best policy. Often, it’s simply a matter of shopping around.

Who’s Covered?

A medical examination is not normally required by most insurance companies. Just about anyone can get some kind of personal visitor’s medical insurance. It is also possible to take out a policy for more than one person and some companies do offer ‘family policies’. A perfect solution for couples with young children.

Usually only one passport number will be required. Don’t worry that other members might not be covered, simply because the company only has one passport number. This is normal procedure for many companies. Usually, the only form of identification needed is a passport, although companies can vary.

Checking Your Policy

If you have made a mistake, the company does not have the correct details stated within the policy or you do not have the correct cover, you must contact them immediately. They can arrange for the necessary changes to be made.  If you choose to buy insurance online, a confirmation email is usually sent straight away. This will include all the important details.

Check it carefully, if there are any mistakes, now’s the time to let the company know. If everything is in order, keep a copy safe, and a hardcopy is always a good backup to have. Your visitor’s medical insurance card should be in the mail soon afterwards.  This will also have important details on it and should be kept in a safe place on your travels. It could turn out to be as essential as your passport.



By: Sam Loyal

About the Author:

The funding crisis in the National Health Service is so dire that at least 4,000 frontline jobs might be axed say the Royal College of Nursing. “There’s no doubt that there will be an impact on patients”, says their spokesperson. “This is not the sort of thing that is going to be resolved by cutting back on chocolate biscuits in the boardroom. The staff that we are looking at losing are not office based, they’re people who are providing frontline services.” Little surprise therefore, that people in the know are going private for their medical care! According to a recent survey by BUPA, 41% of NHS Consultants have protected their medical care by going private. Isn’t that a vote of confidence!

The British Medical Association (BMA) feebly argues that the Consultants’ commitment to private medical cover doesn’t demonstrate a lack of confidence in the NHS.

The Deputy Chairman of the BMA’s Consultants’ Committee whispers, “Consultants may also like the anonymity of private care. One of the problems of being treated in the NHS is that Consultants might find themselves in a bed next to one of their patients”.

What a joke! Surely, being treated in a bed next to one of their patients would underline their commitment and confidence in the NHS. Their presence in a private ward only serves to emphasize their lack of confidence!

Remember that private medical insurance doesn’t provide care if you have an accident – that’s still the role of the Accident and Emergency Unit at your nearest NHS hospital. The overwhelming advantage of going private, is to ensure you get prompt care for planned surgery and medical situations that arise at short notice, in a hospital of your choice. The case of Dr Sarah Burnett makes the point.

Dr Burnett is a Radiology Consultant with 15 years service in the NHS. She chose to take out private medical insurance because she was unhappy with the level of care she saw first hand. “NHS treatment is not a pleasant experience in any way – from the standard of the food, to ward cleanliness and the chance of catching MRSA”, she observes.

Last year during a private medical screening, Dr Burnet was diagnosed with multiple small tumours in her ******. The cancer required urgent and specialised surgery. Within hours she saw the consultant surgeon who organised a skin-sparing mastectomy. A few days later she was recovering from the surgery.

“I was lucky enough to have exceptionally prompt treatment because I choose to pay for insurance. Under the NHS I would not have been screened for ****** cancer until I was 50 and would not have been able to catch my cancer at such an early stage. The type of surgery I had is only rarely available on the NHS, depending on the experience of your local surgeon”, said Dr Burnet.

If you, like Dr Burnet and almost half of the UK ’s NHS Consultants, want to sidestep the NHS and go private, it’s wise to take out private health insurance. Choosing the right medical insurance cover is, unfortunately, quite complicated. You need to decide the standard of hospitals you would want to use, the level of cover and various other options. For this reason, you need specialised advice from a professional medical insurance broker. These people know exactly what’s on the market and can access it.

Where better to find these brokers than the Internet? Just use Google or your favourite search engine, to search for “medical insurance”. You’ll find all the top medical brokers there. If you see the insurance company’s own sites steer clear – they can only sell you their own products and you really need independent advice to be able to identify which, within the whole market, is best for you.

Oh yes, make sure you chose a site that puts you directly in touch with an adviser. Ideally, you should talk over your requirements and chat to the adviser about the best alternatives. You don’t need a home visit as all this can easily be done over the phone. And buying through a broker won’t cost you a penny more than going direct to the insurance company. In fact a broker can sometimes be cheaper!

The marvels of the Internet!



By: Michael Challiner

About the Author:

There are many options for you in medical insurance and you’ll find that there is no one plan that offers everything you will need. All plans differ in what is offered, what you have to pay, and how easy the services are to access. However, the following information will help you to determine what is the best medical insurance coverage for you and your family.

First of all, you will find that medical insurance plans are either that of indemnity, which are basically fee-for-service plans or managed care, which is basically an agreement to have a certain doctor look after your needs. Both of these plans have a different approach to your medical insurance.

With medical insurance under an indemnity plan, you’ll find that you will have much higher costs out of your pocket and how you pay the bill. Many of these types of medical insurance plans will not pay their share until they actually receive the bill from you. The best thing about this type of service is that you will have more options in your choice of doctors, including any specialists you may need during the course of any medical treatments you may need.

On the other hand, with managed care, you will have to pay less out of your pocket, but you are very limited in your choice of doctors. This type of medical insurance will have agreements with many different health care providers to give you service at a reduced cost. This, however, is one of the main reasons why many do not like the managed care plan of medical insurance. It does not necessarily allow one to have the doctor of their choice treating them.

As the medical insurance plans change, however, many of them become very similar. There are some types of medical insurance plans that are indemnity plans but offer managed care options, as well. Under managed care, you’ll find there are generally three different types:

The Preferred Provider Organization or PPO makes an agreement with health care providers to get lower fees for providing you with their service. You will have lower costs and you and your health care providers can refer yourself to another doctor should it be necessary. However, if you go outside for a referral, you will have to meet a deductible, instead of just paying for normal co-payment and you may pay a difference between the cost and what the provider will pay.

The Health Maintenance Organization or HMO is the oldest type of the medical insurance falling into the managed care plan. They offer many benefits, including preventive care, for one monthly fee. With this medical insurance, you will have to choose a primary care physician and you can only be referred to a specialist should your primary care physician deem it necessary. Some HMOs require a co-payment, while others do not. The downside to the HMO is that you can only receive coverage for services rendered by your primary care physician or a referral by them.

POS- The Point-of-Service plan is also under the HMO and allows the individual the ability to see a specialist, as long as they are an approved provider of the coverage. Your primary care physician can make a referral outside the approved provider list and you will be covered, but if you do this yourself, you will have to pay for the services provided by paying coinsurance.

The most important thing you can do when researching medical insurance options for you and your family is to ask questions and make certain you understand the coverage before you commit yourself to such an important part of your health care.



By: Casey Yew

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