Hometown Benefits Group » Health Insurance Quotes

Is Health Reform Actually Working?

Hometown Benefits Group — Mon, 20 Sep 2010 18:41:04 +0000

The quick answer to that is no, but let’s explain why. On Sept 23rd children can no longer be declined due to pre-existing conditions. Sounds good right! Here is the catch health insurance companies are no longer offering child only policies so to get your children covered a parent would have to be on the plan. Another thing is that children can’t be declined, but they can be rated up so even if you could get a pre-existing condition covered, you may not be able to afford the premium. Another thing implemented on the 23rd was preventative health being paid at 100%. This is a good part of the bill, but the problem is most insurance companies were paying for most of this anyway, and the stuff they were not covering means a higher premium to cover these. No one is coming out ahead due to this Health Bill. The premiums are going up to help offset some of the new items. In my opinion the bill was pushed through for a party victory without much thought process involved. I believe that health reform needs to be done, but done the right way.

Health Insurance: Product Enhancements and Rate Decreases

Hometown Benefits Group — Fri, 04 Jun 2010 21:35:09 +0000

Celtic Insurance offers health insurance for individuals meeting a wide variety of options designed around your needs: affordable rates, flexible plan options, low copays, Rx drug coverage and more. We recently received word that, effective July 1st, 2010, Celtic Insurance will be taking a 10% rate decrease in Missouri and their enhanced set of individual products.

If you are searching for affordable health insurance coverage in Missouri for you or your family, talk to us about Celtic Insurance.

Getting The Most Out of Your Health Insurance Policy

Hometown Benefits Group — Wed, 14 Oct 2009 11:39:36 +0000

Here are helpful hints and tips to help you get the most out of your policy.

Understand your personal policy. Every policy is different, so make sure you understand where you
should go, what is covered, and what is not. If you are unclear about anything call your agent before you go to the doctor or hospital. This will help you in the long run.
Stay in network whenever possible. Many people have called and don’t know why a claim was not covered. Many times it was due to being out of network. If you don’t know where you can go, then call your agent. If you travel outside the state and get hurt, call your agent so they can direct you to the right place. If you can’t get a hold of your agent and it’s an emergency, call 417-831-1566 or 417-862-3322.
Don’t go to the emergency room if at all possible. Sometimes it is a must, but if you can go to your regular doctor or even urgent care, then exhaust those two options first. The emergency room is very expensive, and most claims can be cut in half, if not more, by going to a regular doctor or urgent care center.
Always file your insurance whether you have a co-pay or not. Whenever you can file your insurance, even if that procedure is not covered, or whatever the case may be, you need to file your insurance because most of the time you will get a 30% discount through the network.
Don’t just pay your claims before really diving in. This is where we come in. Most incorrect claims are due to the doctor or hospital sending in the wrong codes to the insurance companies. If a claim doesn’t look correct, then contact your agent so we can see what is going on. Most of the time it’s an easy fix. Insurance companies only read and see codes sent from your providers, and sometimes those codes are not coded correctly.