Choosing a Health Insurance Plan Ames IA
Company: Adamson Financial Planning
Investment Advisor Rep: Yes
BS Iowa State University 1996
Years Experience: 14
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Wealth Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Plan
Des Moines, IA
Title: President/Trusted Advisor
Company: CORE Asset Management
Investment Advisor Rep: Yes
Years Experience: 10
Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Hourly Financial Planning Engagements,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Medicaid,Life Insurance,Inv
Cedar Rapids, IA
Sergeant Bluff, IA
Des Moines, IA
Company: Spectrum Financial Services
Hourly Financial Planning Engagements,Fee Only Portfolio Management,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Health Care Insurance,Retirement Planning
Iowa City, IA
Sioux City, IA
Choosing a Health Insurance Plan
Is This a Health Insurance Plan I Can Live With?
It's up to you to do some research. Health insurance is important to you and your family day in and day out. It may be costly or inconvenient to change health insurance plans. So, check everything out.
You want a health insurance company that's stable. It's not in your best interest to find out that you need a major surgical procedure and then find out that your health insurance company is insolvent.
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You also want a good health insurance plan that covers the right care. Check with neighbors, family members and friends. Who are they insured with? What kind of plan do they have? Are they happy with it?
You particularly want a health insurance company that treats clients fairly when they are making a claim. With health insurance you could be making claims on a fairly regular basis depending on your deductible and the type of insurance plan. You'll be happier if you have a health insurance company who deals promptly and courteously with claims.
You can also check for the health insurance company's rating (or plan's rating) with both government and non-government organizations. Take a look at the National Committee for Quality Assurance which issues a Consumer Assessment of Health Plans report for every health insurance plan and facility. Their site is: www.ncqa.org .
Has the health insurance plan, you are interested in, received any accreditation? You can check the website of the Joint Commission on Accreditation of Healthcare Organizations at www.jcaho.org .
Your doctor can actually be a very good source of information. They deal with the various health insurance plans all the time. Ask them what their experience has been with any particular plan. You may find out that they are not covered under the medial insurance plan you are considering - and they may be able to recommend another health insurance plan under which they would be covered.
A very good indicator of the 'good service' of a health insurance plan is the rate at which people drop out of the plan. You can often get information on 'disenrollme...
Iowa State Mandated Health Insurance Coverage
Medical insurance benefits that insurers must provide include: autism, breast reconstruction, chiropractor, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, adopted children, dependent/student adults, disabled dependent adults, domestic partner, civil union), diabetes (self-management and supplies), emergency room service, HPV vaccine, mammography, maternity minimum stay, mental health, nurse (includes nurse practitioner), optometrist, orthotics, physician assistant, prosthetics, well child care