Navigation Links
Zane Benefits Publishes New Information on the Questions When Picking Individual Health Insurance

Park City, Utah (PRWEB) November 05, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on questions when picking individual health insurance.

According to Zane Benefits’ website, most employees greatly value health insurance. After all, medical care in the US is expensive. Health insurance is a way to reduce those costs by sharing the risk with others, and health insurance gives access to in-network pricing discounts.

Here are three important questions to ask when picking a health insurance plan.

1. What Does the Plan Cover?

As of 2014, all insurance plans sold to individuals and small businesses must now cover these ten “essential health benefits." The rules for insurance provided by larger employers are a little different but most of them will cover the same set of benefits.

  • Emergency services
  • Hospitalization
  • Laboratory tests
  • Maternity and newborn care
  • Mental health and substance-abuse treatment
  • Outpatient care (doctors and other services you receive outside of a hospital)
  • Pediatric services including dental and vision care
  • Prescription drugs
  • Preventive services (such as immunizations and mammograms) and management of chronic diseases such as diabetes
  • Rehabilitation services

2. How Much Does the Plan Cost?

Consider two main factors:

The amount paid to the insurance company for the plan, usually monthly. This is called the premium.

The amount paid when medical care is received. These amounts will be reflected as a combination of deductibles, coinsurance, and copays.

3. Can I Keep My Same Doctor?

Every health insurance plan has a network of providers—doctors, hospitals, laboratories, imaging centers, pharmacies, etc. Each insurance company has contracts with these types of medical providers agreeing to provide services to plan members at a specific cost.

Review the plan's provider directory before you purchase the plan. If a doctor is not in your plan's network, the insurance company may not cover the bill, or may require you to pay a higher share of the cost

Click here to read the full article.


About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHealth") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit

Read the full story at

Source: PRWeb
Copyright©2012 Vocus, Inc.
All rights reserved

Related medicine news :

1. Talking to Yourself Could Have Mental Benefits
2. Research examines when benefits of screening mammography outweigh the harms for women in their 40s
3. Everyday fish oil capsule may provide kidney-related benefits
4. Back Pain Therapy Often Yields Early Benefits: Study
5. Benefits of Widespread Statin Use Outweigh Risks: Study
6. Accelerated chemotherapy given before surgery benefits patients with muscle-invasive bladder cancer
7. Experts call for clinical trials to test non-skeletal benefits of vitamin D
8. Flu shot during pregnancy shows unexpected benefits in large study
9. Zane Benefits Announces Wellness HRAs: A New Way to Reward Healthy Employees
10. Tai Chi increases brain size, benefits cognition in randomized controlled trial of Chinese elderly
11. MTSS-mba Membership Benefits Administration Software for Private and Taft-Hartley Employee Benefit Funds Releases New Pension Modules
Post Your Comments:
(Date:11/28/2015)... , ... November 28, 2015 , ... Beginning November 30th at 6:00 a.m. EST until ... most savings. , With possible savings of up to 20% off orders $80 or more ... of the website every few hours. , As a competitive e-commerce website for skin care ...
(Date:11/27/2015)... ... November 27, 2015 , ... According to an ... the University of Toronto and the University of British Columbia suggested that laws requiring ... injuries. The article explains that part of the reason for the controversial conclusion is ...
(Date:11/27/2015)... ... November 27, 2015 , ... An inventor, from ... dispense prescription medications at home, so he invented the patent-pending ELECTRONIC M.D. , ... prescription medications. In doing so, it could help to prevent potential overdose situations. ...
(Date:11/27/2015)... ... November 27, 2015 , ... ProSidebar: Fashion ... Cut Pro X. With ProSidebar: Fasion, video editors can easily add an informative ... a minimalist title opener. Utilize presets featuring self-animating drop zones, lines, bars, and ...
(Date:11/27/2015)... ... , ... A simply groundbreaking television series, "Voices in America", which is hosted ... array of issues that are presently affecting Americans. Dedicated to providing the world with ... changing the subjects consumers focus on, one episode at a time. , In ...
Breaking Medicine News(10 mins):
(Date:11/27/2015)... UTRECHT , Pays-Bas, November 27, 2015 /PRNewswire/ ... combiner l,immunothérapie au traitement photodynamique au Bremachlorin contre ... Une nouvelle approche consistant à combiner l,immunothérapie au ...    --> Une nouvelle ... au Bremachlorin contre le cancer avancé.    ...
(Date:11/27/2015)... Niederlande, November 27, 2015 ... bei fortgeschrittenem Krebs.   --> Ein ... fortgeschrittenem Krebs.   --> Ein ... fortgeschrittenem Krebs.   Clinical Cancer Research ... Clinical Cancer Research vom 6. November ...
(Date:11/27/2015)... Nov. 27, 2015 Research and Markets ( ... "Global Intrauterine Devices Market 2015-2019" report to their ... In this report, the author the present scenario ... for 2015-2019. To calculate the market size, the report ... of products: Hormonal IUDs and copper IUDs. The report ...
Breaking Medicine Technology: