| |
| |
|
Insurance Information |
|
|
|
What Type of Doctor Should I See Under My HSA?
You can withdraw money from your Health Savings Account (HSA) to visit an MD, DO or a chiropractor. Since you will be writing a check or using your debit card to pay for these visits at the time of service, you will really notice how much it costs. Since you have a high-deductible health insurance policy (a must for an HSA), you will be spending HSA money for the first thousand or more dollars every year. It will hurt! Because of this, you may decide to look around. You might decide that it is cheaper and still effective to visit a naturopath, a type of doctor who specializes in using natural remedies instead of drugs or surgery. These doctors typically charge less and spend much more time with their patients, often more than one hour per appointment. Or you may still want to stick with an MD. If you do, you may decide to use a particular kind of MD. Certain MDs have been "opting out" of the health insurance business completely. They refuse to take any patients who want them to process health insurance claims. They focus only on patients who pay "at the time of service." If you are using HSA money, that's you! You are paying at the time of service, using your HSA dollars. Here's what's wonderful about these kinds of doctors. Their fees are much lower. Much, much lower. Why? Because they don't have to wrangle with insurance companies day in and day out. They can cut their administrative staff down to just one receptionist and one nurse. All the other paperwork jockies who filled out forms and made phone calls to insurance companies aren't needed anymore. You can expect that an "opted-out" doctor might actually charge you only $80 for a half-hour visit. That's right, I said a half-hour. Once doctors are free from insurance restrictions, they often choose to spend much more time with their patients. They can really ask all the right questions and get down to the true health problems you're suffering. Sound great? Good! The best way to find an "opted-out" doctor is to start calling around to doctors in your area and ask what insurance they take. If they say "We don't take any insurance" you know you've found an opted-out doctor. Another method might be to call the Physicians Committee for Responsible Medicine at 202-686-2210 or the American Holistic Medical Association at www.holisticmedicine.org and use their "Doctor Finder." Health Savings Accounts will change how we think of health insurance. They are a wonderful tool that almost every American can and should benefit from. And they're available today! Daryl Kulak is the author of the book "Health Insurance Off the Grid - A Wonderful Way to Use Alternative Medicine and Save Money on Insurance Using the New Health Savings Account (HSA)." The book provides a nine-step plan to get your individual health insurance costs under control using a unique approach you won't find anywhere else. The book is available for sale as an e-Book or paperback at the Website http://www.healthoffthegrid.com
MORE RESOURCES:
Google News |
|
|
|
RELATED ARTICLES
Life Insurance, the Universe, and Everything You may have noticed that life insurance is coming back into fashion. It's true that it may not be the financial term on everybody's lips, but sales of life insurance have been going up, according to the Association of British Insurers. Life Settlements, More than a Cash Surrender Payout With a life insurance settlement, seniors now have the ability to receive a payout larger than their cash surrender value. Life insurance companies have always had the advantage by offering a low cash surrender payout for unwanted or unneeded life insurance policies. Are You Overpaying On Your Home Insurance Policy? For many consumers the cost of daily living is becoming increasingly higher. High gas prices, rising automobile costs and the cost of buying a new home can be very troublesome. Factors That Affect Your Car Insurance Premium Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population. What Are The Auto Liability Insurance State Minimums For My State? As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. The Need For Life Insurance A person needs to reexamine their life insurance needs every few years because as our life events change so do our needs.When starting a family, a person needs to consider starting a life insurance policy. Keys To Controlling The Future of Health Care Several key changes are necessary to get control of the costs associated with the run away health care system in the United States.Here are just a few suggestions:1) Cost information about medical procedures and cost comparisons to alternative treatments need to be more easily available so that consumers can make better educated health care choices. Cheap Term Life Insurance is Available Everywhere Cheap term life insurance is easier to get than most people think. Dealing with a life insurance company has been made much simpler thanks to the Internet. Finding Life Insurance Quotes For Adult Children Shopping for life insurance quotes for adult children isn't any different than it is for adults or seniors. Underwriting issues can vary a little but essentially life insurance quotes for adult children follows the same routine. The Awful Truth about Annuity and Insurance Leads You see the websites, you see the ads: exclusive, never before sold, prospects eager to buy, insurance and annuity Leads. Some leads cost a few dollars - others are over one-hundred a pop. Cheap Car Insurance Finding good car insurance can be very difficult. Here are a few tips: Try a few different insurance companies. Car Insurance Quotes Online - Why You Should Use the Internet to Find a New Insurance Company Before the internet, you picked a neighborhood car insurance agent, and you stayed with the insurance company for years. Now car and truck drivers are finding reasons to shop online for their car insurance company. Health Savings Accounts (HSA): Do They Vary From State to State? The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler, maybe even help you be healthier. Global Warming: Why Consumers and Insurers Are Getting Hot Under the Collar Over Life Insurance. Global warming may have been lurking on our horizon for a number of years and historical records of terrorists have existed for thousands of years, but we are coming into a new age where we try and financially protect ourselves against such problems and if we're honest ? we're struggling.The recent terrorism attacks in London brought home the fragility of human life to many Brits, who had previously been able to distance themselves from terrorist activity. Everything You Need to Know About Life Insurance Life insurance is a type of protection that can be bought and insures the buyer in the event of death. The risk that is assumed by the insurer is the risk of death of the insured. Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi For a price, would you let car insurer along for the ride? - asks a USA Today technology story by Kevin Maney. It seems that Progressive Insurance and IBM have worked out a scheme to pay drivers to be safer - by monitoring their every move in their own cars, and how fast they make that move, and where they park, and what time they drive. How To Negotiate A Settlement With An Insurance Claims Adjuster You and I. M. What Is Renters Insurance Really All About? Renter's insurance is protection intended for anyone who rents an apartment, home or other live-in dwelling. Purchasing renter's insurance can protect you against the risk of fire, theft, windstorms, falling objects, smoke, and vandalism. Do You Pay Too Much For Your Car Insurance? Do the premiums just seem to get higher and higher every year?It is amazing how many people just receive their insurance renewal when it is sent out each year and pay it off without a second thought!But, at the back of their mind, is this niggling feeling of discontent about the amount they are paying. Unfortunately many feel there is nothing they can do about it, they are literally being held to ransom by the insurance companies. Sisters Are Insuring Themselves: Finance is the New Feminism According to a study by LifeSearch, the number of women in the UK buying life insurance in the UK has doubled over the last six years. As women are increasingly closing the gender related pay gap and even becoming the main breadwinners in a household, they are also becoming more vigilant about their finances and less financially dependent on their partners.
|
| home | site map |
| © 2006 |
