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Do you have young children or planning a family?

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WHY A COPAYMENT PLAN? Copayment plans have set costs for care and enable you to know in advance your out-of-pocket costs for prescriptions or visits to the doctor. With our copayment plans, you have a higher monthly premium than with a deductible plan, but you pay a fixed copayment for most services from your first day of coverage.


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WHY A DEDUCTIBLE PLAN? With a deductible plan, your monthly charges are lower, but you're responsible for meeting a deductible before you're eligible to pay copayments or coinsurance for most care. However, you do not have to pay a deductible for some services. These are available for a copayment from your first day of coverage. And preventive care is covered at no charge.

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WHY AN HSA-QUALIFIED DEDUCTIBLE PLAN? If you enroll in an HSA-qualified deductible plan and open a health savings account, or HSA, you can save money, on a tax-free basis, for current and future qualified medical expenses.1

When you put money in your HSA, your contributions can be subtracted from your taxable income, your invested funds can grow tax free, and your withdrawals are tax free when used to pay for qualified medical expenses.



1Tax references relate to federal income tax only.

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Get Kaiser Permanente Health Insurance for Your Family

By: Groshan Fabiola

If you are in the market for Kaiser Permanente health insurance, then you are on your way to making a great choice for yourself and your family, especially if you currently have no health insurance coverage to offer protection in case of illness or injury. 

There are many factors you will need to consider to choose the right plan for yourself and your family.  If you are choosing one of the Kaiser Colorado plans, for example, your options might be different than those in Georgia or any other regional network.  The Kaiser Permanente GA plans and CO plans all have one thing in common, though – they all offer a much better future for your family than the prospect of having no insurance at all. 

There are many reasons why a Kaiser Permanente health insurance plan can be so beneficial for any type of person, and particularly for a family.  As a parent or guardian, it is your role to protect your family from harm, which means having coverage in case someone gets hurt or falls ill.  If you don’t have insurance and someone in the family gets sick or has an accident, you want to feel free to go to the hospital or doctor’s office to take care of the problem without worrying about going bankrupt.  Many people without insurance also fail to get regular checkups or even neglect to go to the emergency room when someone in the family needs medical care – this should not be you.

Whether you are looking for insurance from the Kaiser Colorado, California, Northwest, Hawaii, Ohio, Georgia or Mid Atlantic States networks, you are making a good decision for yourself and your family, as well as anyone else that relies on your being healthy and financially sound.  Every single family should have family health insurance.  What would you do if someone in your family became ill and did not have coverage?  Either you won’t get the care you need, or you will go completely broke getting the care you need if you are forced to pay the full cost without any help from an insurance plan.

Having insurance from Kaiser Permanente GA, or any other insurance provider for that matter, is just a smart thing to do for yourself and your family.  It is just part of being responsible for children, spouses and everyone else who relies on you.

About the Author

For more resources regarding kaiser permanente health insurance or even about kaiser colorado and especially about kaiser permanente ga please review these pages.

(ArticlesBase SC #1680530)

Article Source: - Get Kaiser Permanente Health Insurance for Your Family


7 Things You Should Know About Health Savings Account Plans

By: Terry Mitchell

Health savings accounts (HSAs) are wildly popular.  Since their introduction in 2004, approximately 2.5 million Americans have enrolled in these so-called consumer-driven health plans.  But, alas, HSA plans are not for everyone. Here are some pointers to help you consider whether an HSA will benefit you and your family.

1. An HSA plan can cut healthcare costs by an average of 40% for many people.
Nevertheless, some people will not realize any net savings. Those most likely to realize significant savings are people who pay all of their own health insurance premiums, such as the self-employed, who are relatively healthy with few medical expenses. 

2. Health savings plan restores freedom of choice. An HSA plan puts individual consumers back in control of their own health care. This also means that each individual must be more responsible for his or her own health care decisions. This approach of self-reliance is not always popular with or appropriate for everyone, especially those who have become comfortable with HMO-type "co-pay" plans.

3. Health savings accounts reduce income taxes. Every dollar contributed into your HSA account is deducted from your taxable income in the same manner as contributions into a traditional IRA account--regardless of whether you spend it or just save it.  Interest and investment earnings in a HSA accumulate tax-deferred, just like a traditional IRA. Unlike an IRA, withdrawals are tax-FREE when used to pay qualifying medical expenses.  In many situations, new account holders are able to almost fully fund their HSA with money saved on premiums from a prior, higher priced plan.  By stashing all or most of those savings into an HSA, the account holder realizes instant, additional savings in the form of reduced taxes.

4. You must have a properly qualified high health insurance policy in place first before
you can open a health savings account. One of the biggest misconceptions about HSA plans is that any insurance policy with a high deductible will qualify the policyholder to establish an HSA account. IRS regulations, however, are quite specific.  Not just any policy with a so-called "high deductible" will suffice.  It is important to be certain that you are insured under a properly qualified policy.  Your best bet is to work with a qualified and duly licensed health insurance broker who is experienced in marketing properly qualified HSA plans.

5. You must be insurable in order to qualify for the HSA-qualified health insurance policy. Because most people do not have a properly qualified high deductible insurance policy, they will need to switch insurance plans in order to become HSA-eligible. Unless coverage is being offered under small group reform laws (generally groups with 2-49 employees), the new high deductible policy will be individually underwritten by an insurance company. 

This means that some "pre-existing" conditions may not be fully covered.  Alternatively, some companies may opt to cover certain "pre-existing" conditions in exchange for slightly higher premiums. Unfortunately, some health conditions simply render an individual uninsurable (examples: diabetes, chron's disease, heart attack, etc.).  Underwriting requirements vary by state, which is another reason to rely on an experienced health plan broker.

You should not switch to a HSA plan when the management of existing medical expenses is more important than saving up-front medical insurance premiums. Do not change health plans: in the middle of ongoing medical treatments; after a major health issue has been diagnosed; or if any family member is pregnant.

Generally, it is relatively hassle-free to qualify, i.e. no medical exams, etc. Most insurance companies offering HSA coverage will issue based on your application answers, perhaps accompanied by a follow-up telephone interview. In some cases, medical records may be requested, and companies always reserve the right to order a paramed exam.

6. Although HSA insurance premiums are low, they are not always as low as you might expect. This happens for one main reason. Simply stated, the underlying insurance policy is just that—a health insurance policy.  Although it has a "high" deductible, as required by law, the insurance company still must compensate for the risk it is assuming over the deductible amount, which it does by charging premiums. 

Many companies offer policies with “one deductible” that all family members contribute toward.  With those plans, it is not uncommon for premiums for a 5000 family deductible with 100% coverage after the deductible to be comparable to a 2500 "per person" deductible plan with 80/20 coverage after the deductible.

Lower premiums represent just one element of the lower net cost achieved with an HSA plan.  The low net cost of an HSA plan is achieved after factoring in the benefits of lower taxes, made possible by the tax-deductible contribution to the HSA account. Thus, if obtaining the lowest possible gross premium is your main concern, you may wish to consider a high deductible, non-HSA policy, especially if you do not see the benefit to contributing to a tax-deductible savings account.

7. An HSA offers your best chance to keep a lid on health insurance rate increases.
Make no mistake-you will have rate increases with your HSA insurance policy. Because an HSA qualified policy is still a health insurance policy at heart, there is no logical reason to presuppose that an HSA policy would be immune to rate increases required by an insurer to keep paying claims and stay in business.

But what you can expect is that the actual dollar amount of any future rate increases will be substantially lower compared to traditional health insurance plans (regular PPO and HMO plans).  This is true because insurers base increases on percentages, and the same percentage of a lower base premium results in a lower dollar increase. It's not a perfect solution-but it is the most cost-efficient solution for many qualified people.

About the Author

Terry Mitchell is the owner and operator of Foxrater - - the web's top free insurance quote site. It allows people to enter their zip code and compare the rates of auto, homeowners, health, and life insurance companies doing business in their area.

(ArticlesBase SC #1478813)

Article Source: - 7 Things You Should Know About Health Savings Account Plans

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