Category Archives: Medical Insurance

Find Out The Best Way To Get Health Insurance

It doesn’t matter if you’re completely new to the world of insurance, if you’re aiming to combine different policies or if you’re attempting to locate better coverage or rates, it is likely you are uncertain about the choices you should make. The following tips and advice will help you be better prepared to find the right health insurance policy for you.

Research the extent of a policy’s coverage before you purchase health insurance. Having the coverage that will cover incidents like these will make all the difference in the affordability of any downtime that you may incur.

Check with your company’s human resources department to see if you qualify for a wellness program for employees. More and more companies are starting to offer incentives to employees who agree to have a health and lifestyle assessment. You might be able to get lower premiums and sign up for a fitness program for instance.

When it is time for you to update your policy, check your current plan to verify that you still need all the services you are paying for, and that you have enough coverage. You might find that old choices in your health insurance plan just do not make sense anymore for your current situation. Open enrollment allows you time to change vision and dental insurance if your employer provides these options.

Vision Insurance

If your eyes already have issues, or vision problems exist in your home, then vision insurance proves a smart buy. This insurance will handle a certain percent of the cost of eye care related expenses, such as glasses and doctor visits. You are not required to have vision insurance, and not opting for this coverage can actually sometimes save people money.

Keep track of your prescription coverage. Prescription coverage is subject to change in most insurance policies. You should double-check all terms so you don’t get surprised after you’ve renewed your coverage. If your medication isn’t covered anymore, you may want to look for another insurance company.

In order to reduce your health insurance premium, think about buying catastrophic rather than comprehensive coverage. Catastrophic coverage is for emergency visits and hospitalization, while comprehensive coverage help pay the cost of doctors visits, prescriptions and mental health care.

The advice in this article should reassure you that you can make wise choices relating to your insurance needs. You can now make informed financial decisions when choosing your health insurance policy and rest easy knowing that you are covered in the event of an illness or emergency.

Important Things You Should Know About Health Insurance

Many people know firsthand how hard life can be if you don’t have health insurance. Even if they haven’t had health problems themselves, people probably realize that it’s better to have insurance than not to invest in it. Purchasing and finding economical plans for your needs can be difficult. The information from this article can make it a bit easier for you to choose a plan that is good and affordable.

It is crucial that you know what the coverage will actually encompass when you are making a decision about health insurance. Choosing a policy that covers what you need is the best way to get your money’s worth.

When you are considering an insurance plan that is offered by your employer, think about the health of yourself and your family. This could lead you to purchasing insurance that has a cheaper premium if you anticipate no health issues. While this is the least-cost method right away, skimping too much on insurance coverage could put you at financial risk if sudden health problems come up.

When you need health insurance, you should know all the costs. Specific insurance language such as premium and deductible amounts may be difficult for some people to comprehend, so be certain you are knowledgeable of all related costs and fees prior to purchasing insurance.

Save Money

Check out your company’s wellness program, if they offer one, to save money. Employees who are willing to go in for a checkup may be eligible for discounts. By signing up for a fitness program, you can reduce the cost of your health insurance and save money on your premiums.

If you or loved ones have vision problems, it may be a good idea to get vision insurance. This insurance will help to cover a certain percentage of your eye check-ups as well as your contacts or glasses. Vision insurance is not mandatory, and some people spend less money not having this type of coverage.

To save money on your health insurance premiums, opt for catastrophic coverage rather than comprehensive. Catastrophic coverage does not pay for prescriptions, checkups, and so on, but only for emergency care or hospitalization.

Federal Tax

Check the state and federal tax guidelines to determine which medical costs can be deducted on your tax return. One commonly-overlooked tax benefit is that your premiums are actually tax deductible. Other tax-deductible expenses associated with health care include out-of-pocket costs for deductibles, prescriptions, and doctor visits that your insurance doesn’t cover. Be sure to check the separate guidelines for state and federal tax differences.

Every insurance policy is likely to have some loopholes in it. Check over your policy with great care, so that you know what it will, and will not pay for. Understand that you may have to pay on your own for things that are not covered, such as certain procedures or medications.

Regardless of the kind of policy you have, choosing generic medications will always save you money. There are a few instances that you won’t be able to get generics, but using them is no different than using the brand name, as studies have shown.

Also check to see if the doctors and hospitals you are comfortable visiting accept coverage from the insurance company you are considering. Finding a list of the doctors and hospitals that accept this insurance is as easy as checking the site of the insurance provider you are considering.

In some cases, insurance companies will charge you extra for adding your spouse to your plan if he has the option of getting insurance through work. In some cases, keeping your coverage separate will result in lower overall costs, so run the numbers for both scenarios.

There’s no more essential kind of insurance than health insurance. You can easily get overwhelmed by the various kinds of coverage and plans. Use these tips to choose the right insurance for you.

Health Insurance And You: Finding The Information You Need

The topic of health insurance is broad and can be somewhat confusing. When there are so many options and so much to know, a person can feel the strain of trying to decipher it all. Because health insurance is so important, you must know as much about it as you can. The tips within this article will get you started on your way!

Make sure you understand what your policy covers before singing up. If your medical coverage works for these sorts of events, you may end up with less money to pay for your time out of work.

An individual buying a health policy typically costs much more than going with a group policy; keep that in mind and plan accordingly. Make compromises by settling for higher deductibles or less coverage. You can get the best rates and coverage by shopping around.

Re-assess your prescription coverage every year. Every year, when you re-enroll in your insurance plan, your insurance company has the right to change the plan terms. Read all the paperwork when you re-enroll and ask your insurance agent to clarify anything you’re confused about. In particular, keep an eye on the prescription drugs covered by your plan and note changes that may occur from year to year. You will want to consider switching providers if your current one yanks your medications off the approved list.

Determine the specific health insurance policy that would best serve you. There are PPO, POS and HMO plans to choose from. Each one has different options, so check them out prior to buying from a company. Ensure that you choose the option that allows you to continue seeing the doctor you have been seeing.

Look over your health insurance policy in order to have knowledge about which prescriptions will be covered through it. The list is updated annually, and if you take expensive prescriptions, you should ensure they’re still covered before you re-enroll.

Be careful and pay heed to your bills. Even with an insurance plan, you might find yourself having to pay expensive bills, especially if you have to buy prescription medication. Doctors often prescribe brand-name medication with no thought to offering you the generic version. Compare prices at more than one place. Different pharmacies may use a different manufacturer for their generic medications, thus a difference in price can occur.

If you are thinking about getting catastrophic health insurance for a coverage option, make sure that you do your homework first. Make sure it covers the events that are of concern. Choosing a policy which also has a Health Spending Account will allow maximum flexibility in case anything happens you weren’t expecting.

Even if your cherished pet spends all of its time indoors, pet insurance is still a good idea. Just as people are susceptible to illness and accidental injury, so too are our pets. There is a lot that can happen unexpectedly. Though your pet may be indoors, it could still manage to chip a tooth or damage a part of its body, for which treatment will cost quite a bit of money.

You would do well to thoroughly digest all written material regarding your health insurance policy. Your insurance company will send you an informative book with your rights and the coverages that are being provided to you, so read it and know your rights and your responsibilities. Take this time to learn as much as possible about your policy, even though it may seem a little tedious.

Health Insurance

Despite its complexity, you can learn and understand the basics about health insurance. You should take some time to become educated about it. If you follow the advice of this article, you should be well prepared to make smart decisions about health insurance to keep you and your family protected.

When It’s Time To Buy Health Insurance: All You Need To Know

Health insurance is available in many forms from many companies. When obtaining health insurance, conducting research and organizing the information you find is very effective. Prepare for the decision by doing some research. The following tips will provide some helpful tips on how to find the best health insurance for you.

If you require health insurance and have are a recent college graduate, there are some things for you to think about. You can use employee-based insurance if you’ve got a job. Other options include personal insurance plans, as well as being included on your parents’ health insurance plan if you are below 26.

A good money saving tip for health insurance is to ask your company if they offer an employee wellness plan. A lot of employers offer incentives to any employee who has their health and lifestyle assessed. Fitness regimens might be available to you that can cut down on corporate insurance costs, as well as your personal premiums.

Look at your personal health insurance needs when it’s open enrollment time. What worked for you in the past might now be inadequate, especially if your health has changed or you need to add someone to your coverage. You can also make changes to vision, dental and other insurance options.

Individual policies usually have higher costs than the group coverage offered by employers, so plan accordingly. You may need to sacrifice some aspects of your policy to help keep the cost affordable, such as a higher deductible or less coverage. Shop around for the best rates and coverage.

Remember to get vision insurance to help you deal with existing and potential eye problems. This insurance covers some of your contacts, glasses and check-ups. This type of insurance may not be necessary for some people, as they don’t use vision services enough to make it worth the cost.

Before you sign up for another year of coverage, ensure your prescriptions are still on the reimbursement list. Which medications are covered by your insurer, and which are not, can change regularly. Make sure you are aware of any changes your policy may be making before you decide to sign up again. If medication that you need to take every day is suddenly dropped from your coverage, it might be prudent to search for another insurance company.

Catastrophic Coverage

In order to save money, consider getting catastrophic coverage instead of comprehensive. Catastrophic coverage is for emergency visits and hospitalization, while comprehensive coverage help pay the cost of doctors visits, prescriptions and mental health care.

Check the state and federal tax guidelines to determine which medical costs can be deducted on your tax return. Few people understand that health insurance premiums are tax-deductible. Additionally, all out-of-pocket medical expenses are tax-deductible. Check to see what guidelines the federal and state governments have for tax breaks.

Although it may seem that the options for health insurance are overwhelming, you can find the one right for you. To select the correct policy, you need to do your due diligence and ask questions. Remember the tips laid out here, to help you select the health insurance plan that works best for you.

Health Insurance: Tips And Tricks To Understand

If you do not have health insurance, it can be a risky proposition if you come down with a terrible illness, encounter a trauma injury to your brain, or when you break your leg. Maintaining a good health plan is always your best bet, and below you will read about some great tips that will show you the various methods to picking out the best policy for you and your loved ones.

Find out the limits of your coverage when picking a plan. When you have a health insurance plan that will cover incidents like this, it can make a huge difference when you have to pay for things during you downtime.

Take advantage of an employee wellness program, if offered, and save money on health insurance. Many companies offer benefits for those who choose to make important lifestyle changes. If you qualify, you may be able to save some cash on your premiums by participating in programs that can save your employer money.

Vision Insurance

If you need glasses, or if someone in you family does, vision insurance should benefit you. Vision insurance can cover a majority of your checkup costs as well as the costs of any frames, lenses or contacts you may need. Insurance for your vision is not required, and many people find they save money by not having a vision plan if they do not have any risk factors.

One way you can monetarily save on health insurance premiums is to choose catastrophic coverage instead of comprehensive. You will be covered for emergency care, but not for simple visits to your doctor.

Most health insurance plans have loopholes, and yours is probably not an exception. Read your policy thoroughly, so you will not be taken aback when you are told that your insurance does not cover something. Be prepared in advance to pay out of pocket for things that may not be covered, like certain medications or procedures.

Figure out which insurance plan best fits your health needs. You can select from among an HMO, a PPO or even a POS. Each offers their own unique benefits and shortcomings which must be considered before choosing which you want to go with. Make sure that you have the option to keep the doctor that you currently use.

If you simply don’t visit the doctor enough for insurance to be cost effective, consider opening a Healthcare Savings Account (HSA). Take some of the funds that you would otherwise spend on an insurance premium and put it into your HSA. This way, you always have health care funds should you need them, but you aren’t locked into an insurance contract.

Getting insurance through an employer’s group plan is much cheaper than when you seek out your own insurance. If you’re unemployed or self-employed, consider joining a trade union to take advantage of group health insurance rates.

Health Insurance

Many people do not have the income to pay for complete health insurance coverage. If you are one of these people, but still want some level of health insurance, obtaining a health insurance policy that protects you from catastrophic events could be an effective and affordable alternative. Of course, this type of coverage can also be purchased for additional protection in extreme situations.

Even if you have a pet that lives indoors, it is still a great idea to get them pet health insurance. There are a lot of ways your pet can bet hurt inside, and if they get out, it can be a disaster. Even when inside your home, the potential for physical harm to your pet exists that would result in costly trips to the vet.

It is important to have health insurance because life can be very unexpected. You can develop an illness or get in a car accident at any time. Use these tips like a checklist when buying health insurance so that you can get a great plan for you and your loved ones.

Solid Advice For Buying The Right Health Insurance

Health insurance is a must-have in the event you have a serious medical emergency. You never know when disaster will strike in the form of illness, accident or injury. If you aren’t prepared with a good health insurance plan, you could stand to lose everything. If you have a good health plan in place, you can rest easy that your expenses will be taken care of. You have a couple of choices when it comes to purchasing health insurance. You can go with an individual plan, or if your employer offers group insurance, you can save money by choosing that plan.

Make sure you understand what your policy covers before singing up. If you have health insurance that protects you in these situations, it can make big differences in managing downtime.

It is important to review your health insurance policy each year during open enrollment. Perhaps your situation has changed and your policy is no longer adequate. You should also review your employee vision and dental plans during this enrollment period, if you have them.

Individual policies may have higher expenses than those offered by group plans. It is likely that you will have to compensate by accepting a higher deductible or less coverage. It is always a good idea to get quotes from several different companies, to ensure that you are receiving the best possible deal.

In order to save money, consider getting catastrophic coverage instead of comprehensive. Comprehensive covers certain instances, but catastrophic covers emergency care and hospital visits, as well.

There are always some situations and conditions that will not be covered by your health insurance. You need to thoroughly read your policy, so that you understand what it says and are not caught off guard if they say they will not cover something. Be aware of what items you are required to pay for out of pocket and be prepared to do so.

Because of certain laws, private insurance is not allowed to be purchased from another state. What this means is that you may not be covered for a hospital visit out-of-state. Insurance companies set their own rules, so be sure to find out their policies ahead of time.

Be sure to regularly check to see which prescriptions are covered by your health insurance policy. This list will be different every year or so, so make sure you check it when you enroll again to avoid a surprise at the pharmacy when filling your medication.

If you do not visit the doctor very much, you should look into starting an HSA, or Healthcare Savings Account. Any dollars you save towards deductibles, premiums and copays can get saved in an HSA and applied towards future medical expenses.

Health Insurance

Comparing private insurance premiums with group rates can be discouraging, but the benefits of individual insurance might be worth the cost. These days, health insurance is mandatory. Being uninsured could cause severe financial hardship at a moment’s notice. It is very easy for something to happen that you weren’t expecting, and in the end you could be penniless. Take the initiative and start looking for the right health insurance right away.

Buing Health Insurance? Read This Article First

Health insurance comes in many forms and is available from a myriad of companies. Do your research and record your findings in an organized way. Find out what you can beforehand. The insights here can aid greatly in obtaining the coverage that you need.

Make sure you understand what your policy covers before singing up. Having incidents like these covered by your health insurance can help you bear any resulting downtime.

Do your research and calculate your costs if you are thinking about purchasing individual health insurance. Don’t buy a policy until you calculate the total of all of the associated expenses. This can be difficult if you’re not familiar with terms such as deductibles, co-pays and premiums, but do the best you can to include all costs.

Health Insurance

If you just graduated from college and are looking for health insurance, consider the following two options. You may be able to get health insurance from your employer, if you have one. Other options include personal insurance plans, as well as being included on your parents’ health insurance plan if you are below 26.

When it’s time for open enrollment, evaluate your needs when it comes to health insurance. You may want to make changes to your current policy if something isn’t working, or maybe your health needs have changed or your family has grown. Open enrollment is also the time to make changes to dental and vision insurance coverage if your employer offers that.

A personal policy is probably going to cost more than being involved in group coverage provided by companies, so make sure you plan appropriately. You might find yourself forced to compromise on both coverage and deductible. It is always a good idea to get quotes from several different companies, to ensure that you are receiving the best possible deal.

It is wise to look over your prescription insurance plan at least once a year. Due to changing costs in drugs, health insurance companies tend to make changes in the prescriptions that they will cover for their customers from year to year. You may need to request an updated list from your insurance company. If a medication you rely on daily is not covered anymore, you may need to find a new insurance carrier.

A cheaper alternative to comprehensive insurance is catastrophic coverage. While comprehensive has more benefits, catastrophic only covers emergency care and hospital care.

Although it may seem that the options for health insurance are overwhelming, you can find the one right for you. For you to pick the right policy and company to go with, it’s as simple as you doing the right type of research and asking all the right questions. Listen to these tips when determining the appropriate insurance policy for you.

Things You Need To Know About Health Insurance

Purchasing health insurance is beneficial for people of all ages. May you be young or well aged, everyone can use the benefits that a proper health insurance policy has to offer. It can be quite overwhelming to figure out what health insurance is right for you and some things to be aware of or look out for. The tips below are sure to be of help in aiding you to find the best health insurance your money can buy.

Open Enrollment

When open enrollment comes around, take the time to evaluate your health insurance needs. What worked for you in the past might now be inadequate, especially if your health has changed or you need to add someone to your coverage. Open enrollment is also the time to make changes to dental and vision insurance coverage if your employer offers that.

Vision insurance is a good thing to have if you already have vision problems or if their are vision problems in your family. The insurance will cover a percentage of your check-ups and your glasses or contact purchases. Vision insurance is not mandatory, and some people spend less money not having this type of coverage.

Use health insurance to pay less on taxes! Many people do not realize that the premiums you pay for health insurance are tax deductible. You can also deduct the money you spend paying for your deductible, prescriptions or any visits not covered by your insurance. State taxes differ than federal, so you may want to check those guidelines.

No matter what type of coverage you have, you are going to save money on your health insurance if you always opt for generic drugs. Only in rare cases will you not be able to receive generics, and multiple studies show that there is no difference in the drugs except for their brand name.

Check your health insurance plan to learn about what prescriptions are going to be covered under it. This list changes from year to year so make sure to check the list when you re-enroll to make sure that you are not going to be surprised when you go to refill your prescription.

Be sure to check with the hospitals and the doctors that you are comfortable with to make sure that they accept the health insurance that you are considering. Finding a list of the doctors and hospitals that accept this insurance is as easy as checking the site of the insurance provider you are considering.

Health Insurance

If you plan on getting pregnant in the near future, it is important that you get a health insurance plan that will pay all of your expenses, from pregnancy to labor and delivery. This is important to know because some health insurance plans cannot be used for certain aspects of pregnancy and labor.

Take into consideration that some companies will impose a surcharge for carrying your spouse on your health insurance plan if he or she has access to insurance through his or her own employer. It may actually be more affordable to have separate coverage through your respective employers, so make sure to calculate both scenarios.

If you are one of those people that does not go to the doctor too much the your best bet would probably be to start a Health Savings Account(HSA). All of the money that you save from paying premiums and deductibles can be put into this account and used for any medical expenses that you incur.

Since it is cheaper for you in the long run if you are part of a group plan that is why your rates seem lower when you work for an employer than when you get insurance on your own. The best way around that is to join some type of trade organization that offers insurance to its members.

Health Insurance

As you have already read in the beginning of this article, health insurance is beneficial to everyone. It can still be mind numbing to figure out everything about health insurance. The greatest way to know what you want is to read up on the subject. Apply the tips from the above article to successfully find the health insurance that is right for you.

Hints To Finding The Right Health Insurance Policy

They believe it is for the wealthy or elderly. Planning to not get sick isn’t a great health plan. As the below article will demonstrate, having health insurance is extremely vital.

Before opting into your company’s health care pool plan, you should first focus on the health of you and your family to see if this type of plan is right for you. This may lead you to purchase insurance with a cheaper premium if you do not have any anticipated health issues. While it starts cheap, it’s risky if something unexpected happens to your health.

Prescription Coverage

During each enrollment period, check for changes in your prescription coverage, co-payments and annual deductibles. Prescription coverage is subject to change in most insurance policies. You should double-check all terms so you don’t get surprised after you’ve renewed your coverage. If a regular medication has been dropped and a substitute isn’t acceptable, you may need to find a policy with a different company.

In order to reduce your health insurance premium, think about buying catastrophic rather than comprehensive coverage. Comprehensive covers certain instances, but catastrophic covers emergency care and hospital visits, as well.

If you are thinking about becoming a parent, look at your health insurance and make sure they will cover your expenses throughout the pregnancy. The reason you must be careful of this is that many insurance plans do not pay for everything involved with giving birth.

In some cases, insurance companies will charge you extra for adding your spouse to your plan if he has the option of getting insurance through work. Perhaps getting two separate plans through the respective employers would be more affordable, so calculate both options.

Pet insurance is just a smart play for any family pet, even if the animal lives inside. There are still many accidents that can happen in the home, such as your pet eating some poison, falling in the house or getting outside – then anything can happen. Your pet may even break a tooth or a bone while living inside and require vet care.

Read the handbook that comes with your health insurance policy. This is the best way to get a clear idea of everything covered by your policy and find out more about the advantages linked to it. It may be frustrating to weed through all the information contained, but it could pay off significantly in the future.

Before agreeing to sign with any health insurance provider, establish their policy on any pre-existing conditions you may have. Your pre-existing condition could cause some providers to deny you coverage and others to charge you exorbitant prices. You can get the best coverage at the lowest rate if you take the time to do some research.

You could receive a special reduced-cost medical care card if you manage to qualify for the program. This card will help you receive a lower rate at the insurance company you decide to use. With these cards you can visit doctors in their network who offer care at a lower cost for families with low incomes. With this card another option is available, you could obtain the Health Spending Account type of insurance policy to pay the costs.

Health Insurance

Health insurance encompasses a wide variety of factors which requires you to be prepared and organized when choosing your policy. Research your options before choosing the health insurance you will use for you and your family. Ensure you have good communication with the companies and be thorough in your research.

Chronic illness can drive up health insurance costs, so start eating healthy to stave off disease. The medical industry is in agreement that an unhealthy diet can contribute to the chance of developing a chronic disease. These illnesses could be expensive to treat. You can avoid many of these ailments by restricting meat in your diet, or going totally vegetarian. More than a few health insurance companies are beginning to recognize this fact. This type of diet can save your life, as well as reduce your healthcare costs.

Hopefully, the above article has made you think about purchasing health insurance. Having health insurance can be a matter of life and death, but by the time you realize it, it may be too late. It is better safe than sorry, so you should be prepared. Health insurance can be somewhat costly, but regret is far more expensive.

Follow These Tips For Getting The Perfect Health Insurance

You probably have some trepidation about which choice to make, regardless of whether you are seeking a new health insurance policy, trying to combine policies, or seeking lower rates. In this article, you will find some helpful tips that might help you avoid expensive mistakes.

When you think about registering for medical coverage through your employer, keep in mind your personal health status and that of your immediate family. If your health doesn’t present any concerns, you can get coverage with lower premiums. While this is the least-cost method right away, skimping too much on insurance coverage could put you at financial risk if sudden health problems come up.

When you are thinking about buying health insurance yourself, be sure you have determined all the costs. Don’t buy a policy until you calculate the total of all of the associated expenses. This can be difficult if you’re not familiar with terms such as deductibles, co-pays and premiums, but do the best you can to include all costs.

Check your prescription coverage yearly. Health insurance carriers can change the types of medications they cover, so be sure not to enroll in a plan that won’t cover your prescriptions. If a pill you are using every day is no longer covered, you might want to switch to another insurance company.

Health insurance can help you pay less on your taxes. Not everyone knows that premiums are deductions. The money spent on deductibles, prescriptions and co-pays for doctor visits are also deductible. State taxes differ than federal, so you may want to check those guidelines.

Because of certain laws, private insurance is not allowed to be purchased from another state. If you end up in a hospital outside your state, you might not be covered. Insurance companies are very particular about this, so make sure that you understand your policy.

Carefully evaluate each health insurance plan to decide which one will best fit your family’s needs. You can pick between POS, PPO or HMO. Check out the different options for each before you decide which one is best. Importantly, double-check that your current doctor is available for use in any plan you are considering.

Health Savings Accounts (HSAs) are a great idea for someone who rarely visits the doctor. Just think, the money you are not paying in higher insurance costs can be set aside for any future medical expenses.

Pay very close attention to each aspect of your bill. Even if you have a good health plan, you might get charged for items that will surprise you, such as prescription medication. Some physicians just write out prescriptions without taking into account the generic version related to the medication. It is a good idea to compare prices at many locations. The price of generic medication may vary between different pharmacies.

Even if you have an indoor pet, think about getting pet insurance. Just as people are susceptible to illness and accidental injury, so too are our pets. There is a lot that can happen unexpectedly. Pets that live exclusively indoors can incur injuries or experience dental problems that require help from a veterinarian.

Knowing what your insurance policy handbook says can keep you informed and knowledgeable. Your insurance company will send you an informative book with your rights and the coverages that are being provided to you, so read it and know your rights and your responsibilities. It might seem tedious, but you need to know everything in the book.

With the information you have gleaned, you should now be able to make confident, sensible choices with regard to your insurance. You can spend money smarter and feel that your health insurance plan may benefit you.