Medical Mutual of Ohio Screening Program

Jumat, 08 Januari 2010

A first-of-a-kind, three-year, community-wide wellness initiative is being launched in the city of Solon by Medical Mutual of Ohio, a leading provider of Ohio individual health insurance. Called "Healthy Solon," this project involves screening citizens for illness, tabulating data on illnesses and the rate of occurrence, and recording the results of any treatments people choose to undergo.

Paula Sauer, Medical Mutual's vice president of Care Management, said the health of Solon residents will be tracked over the duration of the three-year wellness initiative.

"Through an early health risk assessment (HRA), residents will have the opportunity to identify a potential health issue," said Sauer. "Health awareness and early detection programs will figure prominently in the first year of the pilot program. Solon residents will be offered blood pressure and cholesterol screenings, along with heart disease, diabetes, lung, skin and prostate cancer screenings," said Sauer. "Residents will also be encouraged to take part in walking for wellness programs, cooking and nutrition demos, smoking cessation, and stress prevention."

While Medical Mutual will not be including treatment or medication for any illness discovered during the screening process, it will advise participants of treatment options, allowing them to assess their Ohio healthcare insurance plan for appropriate inclusion

Sauer said at the conclusion of the three-year pilot program, benchmarks will have been established to measure the health of Solon citizens and the overall success of this effort. "Through screenings and HRA's, if we identify one person at risk or get one person to quit smoking, we will have done our job," said Sauer.

In addition to Medical Mutual, others supporting Healthy Solon include: Cleveland Clinic Solon Family Health Center, Solon City Schools, Hillcrest Hospital, South Pointe Hospital, AstraZeneca and Pfizer.

Founded in 1934, Medical Mutual of Ohio is one of the oldest health insurance companies in America. Based in Cleveland, Medical Mutual serves its customers through high-quality, flexible, and affordable group and personal health insurance plans, and third-party administrative services to self-insured group customers. Medical Mutual offers a full-line of products, including Health Maintenance Organization (HMO), Health Savings Account (Ohio HSA Health Plans), personal vision insurance, and individual dental insurance. SuperMed One, Medical Mutual's personal health insurance product has a variety of deductibles, coinsurance, and co-pays to meet the needs of any individual or family.

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Healthcare for Long-term Patients: Is this Insurance Right for You?

Rabu, 14 Oktober 2009

Long-term care insurance is not right for everyone. For a small percentage of the population this coverage is an affordable and worthwhile type of insurance. Determining whether or not long-term care insurance is right for you won't be the only task at hand; looking for scams will also be a concern.

As you get older, the need for assistance in your everyday life increases. Whether it is in-home care or residing in a nursing home for a few months you will most likely need some way to pay for these types of services. In order to maintain long-term care insurance you must pay for them each and every year until death. Many policies are canceled by policyholders that are on fixed incomes and are simply unable to pay for the increasing premiums as they get older. If the only funds you are receiving were those from Social Security or SSI, then it would be wise to not purchase a policy. Also, if you find that every day purchases and paying for utilities makes you stretch your budget to the limit, you probably should stay clear of this policy. This type of policy is only right for someone who has significant assets they want to preserve for their family, remain independent, or just to spare their family the expense of a nursing home bill.

Advantages to Managed Care Plans

There are many different types of Health insurance plans out there. Picking the right one for yourself can be troublesome in the beginning, especially if you don't know what you are looking for. You might have trouble deciding which one would be better for you.

Health insurance is divided into two large categories-indemnity and managed care plans. Indemnity plans, also commonly called reimbursement plans, will reimburse your medical expenses up to a certain limit. Under the Reimbursement plan, the insurer pays a percentage of the total charges, regardless of how much the charges are. With the indemnity plan, the insurer will pay a specified amount every day for a specified number of days. The amount reimbursed does not rely on the cost of medical care, but what you are reimbursed will never exceed your expenses.

Ways of Paying for Health Insurance

Jumat, 02 Oktober 2009

When it comes to health insurance, many people don't exactly know everything that there is to know about the subject. That only stands to reason, it is not something that is easily understood because of its complexity. For instance, when you visit the doctor you may be asked to pay something that is called the "co-pay", and other times you may not have to do anything at all depending on your plan. Let's look at some of the ways that health insurance is paid for.

Often times, your employer will sponsor your insurance and you only have to pay what is known as a "co-pay" or co payment. The co-pay is a set amount that is determined by your insurance company when you receive covered services. This is a significantly smaller fee than you would be paying without the co-pay. Many companies offer this type of payment option because it is easier on the employee to pay this way.

What You Don’t Know Can Kill You: Health Insurance Limitations

Rabu, 23 September 2009

Health insurance often requires a mountain of paperwork that has a lot of fine print. Unfortunately, this means that few people read their plans thoroughly nor do they fully understand what their plan covers or does not cover. Here are some common limitations in health insurance coverage that you should know.

Some of the most shocking health insurance limitations are found in the the fine print holes in the insurance policy. For instance, many people have found that their health insurance did not cover a routine or necessary medical procedure because they did not receive an authorization code prior to the procedure or the hospital did not correctly fill out the paperwork. Your medical claim can be denied simply because the hospital used odd codes for your treatment. While any claims denied by the insurance company can be disputed, this process is not only tedious, but time-consuming and draining, especially for someone who is already ill. There is also little success in winning disputed claims, which makes this option rather limiting.

Easy as 1-2-3: Obtaining Health Insurance

Rabu, 02 September 2009

Many people are often concerned about obtaining health insurance. They are confused about their options or about how to obtain the best health insurance for them or their family. There are several ways to obtain health insurance, though, and some of them are not always obvious, but can be quite easy in the end.

Health insurance is commonly obtained through an employer. Nearly all employers these days offer some sort of "group" health insurance plan for employees. The term "group" simply denotes that there is a large group of people on the plan, which decreases the cost of the monthly premium for all members. These plans can cover yourself, your spouse, and your family, depending on the specific policy. Covering more than just yourself