Difference Between an Individual Health Insurance Plan and a Family Health Insurance Plan

Know the Difference Between an Individual Health Insurance Plan and a Family Health Insurance Plan

Individual health insurance plans and family health insurance plans, while basically the same, differ in degree of coverage as well as cost. Learn the difference between the two types of insurance products.

Individual Health Insurance Plans and Family Health Insurance Plans – Do You Know the Difference?

Trying to locate the right health insurance plan to fit your budget isn’t always the easiest thing to do especially with the growing cost of health care here in the United States. Determining what you want a health insurance plan to accomplish for you and your family and determining the needs to be covered will help you decide what health insurance plan may work best you and your family.health insurance

What are Individual Health Insurance Plans?

The first place to start our discussion is with the individual health insurance plan. An individual health insurance plan is basically what it says it is. An individual health insurance plan is a health insurance plan for one person. If you find you have no one else to insure with a health insurance policy then this will be your best option from a cost standpoint. Keep in mind however that individual health insurance plans may vary widely in affordability depending on the type of coverage you choose for yourself.

The more traditional individual health care plan is called an indemnity plan. The indemnity plan normally covers your visits to the doctor of your choosing and will cover the procedures that this doctor may prescribe for you. The cost for this indemnity plan will vary depending upon a deductible you choose for herself as well as your out-of-pocket limit. Keep in mind though that overall this type of health insurance plan is the more expensive of the individual health insurance plans but does offer you the most freedom of choice.

Individual managed care plans such as HMOs are less expensive than the indemnity plans but you need to be aware that you do give up some of the freedoms that are offered by the indemnity plan. Your freedom to choose your doctor is limited to the doctors on the HMO’s approved list and any specialists that you may need to see will have to be referred by this primary doctor. If primary yearly checkups and the occasional antibiotics describes your current health care needs, this plan may be the one for you. This plan will cover health emergencies but there may be just a few more hoops you have to jump through than with the Indemnity health care plan. Both of these health insurance plans, the indemnity plan as well as the individual managed care plan, may include dental coverage and prescription coverage at an additional cost.

What Are Family Health Insurance Plans?

As the name implies, family health insurance plans are designed for families. However since these family health insurance plans are covering more than one person, the cost of these plans will be higher. As you may already have guessed, the larger the family the larger the price tag. In addition, factors such as the ages, gender, and habits such as smoking or tobacco use in general etc. will largely determine how much this policy will cost you. As with individual health insurance plans, there are indemnity plans that are available for families. And since these indemnity plans offer the same freedoms as they do for the individual plans, these plans can be a real help when having to deal with the health care needs of multiple people.

Family health insurance can also come in the managed care variety as well and pretty much work the same way as do the individual managed care health insurance plans. The cost of the family managed care plans will be higher than that of the individual managed care plan, but will cost less than a family indemnity plan.health-insurance

What Are Group Insurance Plans?

Many companies are now offering their employees group health insurance coverage. These employers may pay the bill for some of the premium. Since many of these employers now offer both types of health insurance coverage, the type of policy you choose will determine your out-of-pocket costs. Generally these group health insurance plans will cost you less than a plan you were to purchase on your own. If this type of group insurance plan is available to you at your workplace, you’ll definitely want to take advantage of it. If it is not offered at your workplace, perhaps you could suggest that your employer consider offering a group health insurance plan.

If your plan at work does not include a health insurance benefit or you are self employed or simply looking to provide health insurance coverage for yourself and your family outside the workplace environment, a great place to start your research is Blue Cross Blue Shield (www dot BCBS dot com) or Aetna (www dot aetna dot com). This is not necessarily an endorsement but is a good place to start in understanding the types of health insurance plans available out there today. These two large providers operate in most of our 50 states so your likelihood of learning about the types of health insurance plans available in your state from different insurers is high.

As always, seek the advice of a professional financial planner before deciding on a course of action that you do not fully understand.

Why choose Cochran Orthodontics

Why choose Cochran Orthodontics

Our practice is committed to serving you and we are proud to offer the finest and most current orthodontic care available. We love seeing new patients and we enjoy the excitement that they bring to our office. We welcome the opportunity to work with you to create a healthier and more pleasing smile. In our office we strive to give each patient friendly and personalized attention. Every effort is made to attend to your needs in a caring and timely fashion. We consider each staff member an important part of our team and strive for delivering the highest quality care. invisalign san antonio

Our Team
Our team members are extensively trained in all aspects of orthodontic services. We regularly conduct training sessions and attend continuing education courses to keep abreast of the latest techniques and information available to our profession. We believe that we offer the finest care in the team-delivered orthodontic experience. As a team we are always seeking to learn, communicate and enjoy each day with our patients. In addition we are committed to continuing to be the best at what we do for our patients.

To assist your efforts to educate yourself we want to assure you that safety and quality are always on our minds. Our goal is to provide patients with the highest quality products available and to ensure that a maximum level of safety is always maintained in our practice, so that you may feel comfortable during your visits. Below we will review some of our routine quality policies:

No reuse of braces or wires: It is common practice in many orthodontic offices today to utilize “second-hand” and “recycled” braces and wires. We feel that each patient deserves the best, therefore, in our office we do NOT “re-use” the same braces or wires on a second patient. Thus, our fees may be somewhat higher than in an orthodontic office where second-hand braces and wires are used. We work hard to keep our costs down but not at the expense of our patients.

The highest quality materials: The quality of the braces, wires and removable appliances used can differ, just like the difference in quality available in the various household items that you purchase. We use only the highest quality orthodontic materials in order to provide you the very best treatment.

Heat activated wires: Orthodontic wire is now available with the ability to reactivate itself whenever the patient rinses with warm liquids. This means that teeth move more efficiently with fewer appointments and more convenience to our patients. Treatment time is reduced dramatically with the use of these advanced wires.

Barrier Controls: We wear protective facemasks, eyewear, gloves as recommended by the Federal offices OSHA and the CDC.

Sterilization: All of our dental hand pieces are thoroughly sterilized with a steam autoclave after each procedure, as this is the only effective hand piece sterilization method. All of our other orthodontic instruments are thoroughly dry-heat sterilized.

Individual set-ups: All of our instruments are organized on an individual tray as a set-up for each individual procedure on each patient.

Disposable items: These are used whenever possible and are always discarded once used or exposed to the treatment environment.

Individualized treatment planning: No two patients have exactly the same problems. Some orthodontic problems are very minor in nature and some are quite severe, so it is important that each patient is treated according to their individual needs. In our office, the treatment plan for each patient is tailored specifically to their individual needs using the most current computer imaging programs available.braces san antonio

Update techniques: Our team keeps up to date with the latest industry techniques by attending yearly continuing education courses. This means that as a team we can provide you with the most current orthodontic treatment services available. We are committed to staying current with the latest procedures, guidelines, techniques and equipment. When you visit our office, we want you to feel confident that your health and the health of your family are protected.

Customer Service: Our practice prides itself on being customer focused and we strive to offer our patients over the top customer service. For this reason from time to time during your treatment we may ask you to participate in surveys or focus groups to find out how we can better serve you. If at any time during your treatment you are dissatisfied or have a suggestion on how we can improve our services please let us know.

Yes, orthodontics can be fun! We understand that orthodontics is not always considered “fun” so in our practice we have attempted to change that thinking by providing more than just quality treatment. We provide our patients with the following during treatment time: Contests for both patients and parents, theme weeks, patient appreciation parties, bonuses for good oral hygiene, and cooperation, video games, current magazines, complimentary coffee and juice, practice tee-shirts, and most important a qualified and friendly staff who loves what they do and wants the best for you and your child. We invite you to come in and see how fun orthodontics can be. When you or your child becomes a patient in our office you become a part of our orthodontic family.

Customized Payment Plans
Orthodontics is one of the best investments you can make in yourself or your child’s future. To help you fit this investment into your budget, we offer a variety of payment methods.

In-house financing with no interest 25% down and the remaining balance paid over your treatment time
Outside financing that offers no down payment and low monthly fees paid over your treatment time
Payment in full with a courtesy bookkeeping discount
Monthly Direct Debit Services
Automatic Credit Card payments (all major credit cards accepted)
We accept most major insurance plans and will fill out the necessary paperwork for you
Our treatment coordinator will be happy to explain all the financial options to you and work with you on customizing payment plan that fits your individual needs.

How do you go about hiring a tree service company in San Antonio?

How do you go about hiring a tree service company in San Antonio?

I have been a part of many Tree Service companies in several states before starting Tree Removal Service San Antonio . It has given me a world of experience in the industry, some good, some bad. I have seen the big guy’s do horrible work and have big accidents, and small tree cutters do professional work day in and day out. So, for me, it has changed my opinion of what makes a good tree service company in San Antonio.San antonio Tree Services
There are some law area’s you need to look at. Licensing with the CSLB is needed in Texas, you can reference the site and look up a # to see if it exists. Some fly by night guys will say they are licensed and give you a Tax license number. (this does not make you licensed) Although most states Contractor Boards do not have a Statute or License for Tree maintenance and in these cases a Business License may be all they need. In these states you will need to proceed with caution.

The next area you want to examine is Liability Insurance, Workers Comp, Commercial Vehicle Insurance and Bonds. All need to be present and asking a question like “have you had any accidents?” may be appropriate. You may want to go as far to contact the Insurance provider and ask if the company has had any claims.

Once these basic area’s are looked at, it is important to look at the specialty that a Tree Service Provider has. Some are good at Tree Trimming , some Tree Removal , some Treatments, some Transplanting, some Guying and so on. If you are looking for a Tree Transplant and the Arborist you are talking to has only done one in the last year then it stands to reason that his skills may be rusty or non existent. Speaking for myself, I specialize in Tree Removal with over 90% of my gross coming from Tree Removal. So if asked if I do removals I could assure you and show many referrals of successful work done in the area. I guess that is my point, every Arborist has an area of specialty. My brother has had a Tree Company for over 15 years and if you ask him, his specialty is trimming palm tree’s. He does it fast, safe and efficient. Do not be fooled that and Arborist is so god to be a specialist in every area.
Have a good feeling about who you hire. Your gut feeling is almost always right. I have cut 10’s of thousands of tree’s, but once in a blue moon me and a customer do not hit it off. In those cases I hope they do not hire me. Hiring a contractor can often be the beginning of a lifelong friendship full of trust. Remember you are asking them to your property and trusting them to respect your property. You want the relationship to start with common good vibes on both sides.

Ask to see a few reference letters. It will give you an idea of who you are working with. Do not trust Yelp or Google reviews. I will say you can trust Angies list reviews (available to members). Yelp and Google are so false half the time that it is written by friends or bad reviews are written in bulk by one person with a vendetta against the company. Accreditations help and are of value. Look for BBB, TCIA and ISA. These are the basics that a Tree Service Company should have. Tree Services San Antonio

If the tree service you need seems complicated hire a Certified Arborist . A list of certified guy’s for hire in your area can be found at http://www.isa-arbor.com/faca/findArborist.aspx. It also gives you an are to make a complaint should it come to that. I think in San Antonio there is less than 10 ISA Certified Arborist’s for hire, so if the company you land on does not have a certified guy it is not the end of the world.
Last but not least ask if there is any going deductions or specials. Often there is discounts and promotions going that you may not know about saving you 10% or more.

I wish you luck and as always we are here to help.