What You Need To Know About Health Insurance Benefits

When evaluating potential job offers, health insurance benefits are most likely one of the first issues you inquire about, second only to salary. Indeed, if you have a large family or a history of medical problems, this may be the first thing you ask about.

Of course, health insurance benefits will vary by health insurance plan, so if you are unsure about any aspect of your health insurance options, it's important to get help from either your Human Resources department at work or a health insurance broker if self-employed or unemployed. It's easy to make the mistake of assuming that features or benefits exist when they don't. If your assumptions are wrong, you could be left facing insurmountable medical bills. This is especially true for low cost, cheap health insurance.

In a perfect world, all individual or family health plans would pay for every health issue that may arise--pregnancy, blood transfusions, sick and well care, minor and major surgery, hospital stays, etc. But the truth is health insurance benefits typically are limited and they seldom will cover 100% of the costs, which is why it's so important to read the policy's fine print. You've got to know exactly what is and is not actually covered.

The majority of valid health insurance policies provide a minimum level of coverage that typically includes major medical expenses such as hospitalization and emergency/urgent medical care. Some of the most sought after additional benefits include annual physical exams, referrals to and treatment by specialists as needed, hospitalization and emergency care, prescription drug coverage, laboratory work including blood testing and x-rays, maternity benefits, prenatal and well-baby visits, vision benefits, and dental care.

Health insurance benefits less commonly include mental health care and treatment, rehabilitation services for drug and alcohol abuse, home health care, hospice care, physical therapy, and chiropractic care.

One thing to keep in mind as you evaluate various health insurance benefits is that the primary purpose of any health insurance policy is to protect you from a major financial loss - not to protect you from spending "small" sums of money on office visits. These small expenses can be a burden, but they generally will not break you.

To conclude, with something as important as health insurance and the impact it can have on you and your family, be careful not to make any assumptions. Granted, a typical health insurance policy is not exactly a "beach read", but in the long run it pays to have a clear understanding of your actual benefits. At a minimum, you need to have someone from your Human Resources department or your broker if you are purchasing your policy as an individual, go through and summarize each section of the plan. Again, this may not be your idea of a good time, but in the end it just may save you a bundle.

Albania vs Slovenia Goals/Highlights October 2012 football

Luxembourg vs Albania

Woman Vs God

A middle aged woman had a heart attack and was taken to the hospital.

While on the operating table she had a near death experience.

Seeing God She asked "Is my time up?" God said, "No, you have another 43 years, 2 months and 8 days to live"

Upon recovery,the woman decided to stay in the hospital and have a Facelift, liposuction, and a tummy tuck. She even had someone come in and change her hair color.

Since she had so much more time to live, she figured she might as well make the most of it.

After her last operation, she was released from the hospital. While crossing the street on her way home,she was killed by an ambulance.

Arriving in front of God, she demanded, "I thought you said I had another 40 years? Why didn't you pull me from out of the path of the ambulance?"


(You'll love this!!!)
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.



God replied,


"I didn't recognize you."

Why we LIke Girls........

1. They will always smell good even if its just shampoo

2. The way their heads always find the right spot on our shoulder

3. How cute they look when they sleep

4. The ease in which they fit into our arms

5. The way they kiss you and all of a sudden everything is right in the world

6. How cute they are when they eat

7.. The way they take hours to get dressed but in the end it makes it all worth while

8. Because they are always warm even when its minus 30 outside

9. The way they look good no matter what they wear

10. The way they fish for compliments even though you both
know that you think she's the most beautiful thing on this earth

11. How cute they are when they argue

12.. The way her hand always finds yours

13. The way they smile

14. The way you feel when you see their name
on the call ID after you just had a big fight

15. The way she says "lets not fight anymore"
even though you know that an hour later....

16. The way they kiss when you do something nice for them

17. The way they kiss you when you say "I love you"

18. Actually ...just the way they kiss you...

19. The way they fall into your arms
when they cry

20. Then the way they apologize
for crying over something that silly

21. The way they hit you
and expect it to hurt

22. Then the way they apologize
when it does hurt.
(even though we don't admit it)!

23. The way they say "I miss you"

24. The way you miss them

25. The way their tears make you want to change the world so that it doesn't hurt her anymore.....

Yet regardless if you love them,
hate them, wish they would die or know that you would die without them ... it matters not.
Because once in your life, whatever they were to the world they become everything to you.

When you look them in the eyes, traveling to the depths of their souls and you say a million things without trace of a sound, you know that your own life is inevitable consumed within the rhythmic beatings of her very heart. We love them for a million reasons, No paper would do it justice. It is a thing not of the mind but of the heart.