It’s all about delivering creative solutions and integrating them into your benefits programs so you and your employees both win. Whether you can no longer shoulder the premiums for employee health care coverage or have already shifted costs and are looking for a softer landing to protect employees from financial exposure, a voluntary hospital confinement indemnity plan can be the ideal solution.

Hospital confinement indemnity insurance provides a lump-sum benefit to help offset the costs that aren’t covered by most major medical plans. They can help cover costly co-pays, deductibles and other expenses that come your employees’ way. With the added financial protection, your employees may be eligible to receive help covering outpatient surgery, diagnostic tests, doctor appointments and emergency room visits.

The plans are available on a group or individual basis. And there are lots of ways to customize the coverage to meet the needs of employees.

Here are some key features and comparison points to keep in mind:

Exempt from health care reform

Most hospital confinement indemnity plans are exempt from the market requirements in health care reform legislation.

Flexible underwriting

These plans are often offered on a guaranteed-issue basis and waive pre-existing conditions when participation requirements are met.

Higher benefit levels

Look for benefit levels that stay in line with health care costs nationwide and with increasing deductibles and out-of-pocket expenses.

Employer- or employee-paid

You can pay all or part of the premiums or allow employees to pay them.

No lifetime maximum

There’s no lifetime limit on payments made to employees.

Benefits aren’t tied to major medical claims

Employees can use the plan’s benefits any way they choose, including nonmedical expenses such as day care, groceries and utility bills.

Benefits are paid regardless of other coverage employees may have

Voluntary plans pay in addition to existing coverage employees already own.

The post Medical insurance carriers NJ : Use Hospital Confinement Insurance to Keep Costs In Check appeared first on Insurance Throne.

A full medical coverage insurance NJ with elevated blood pressure will probably be more expensive since life health insurers must evaluate your degree of risk to establish your premium. However, the number of important variables will determine how exactly your insurance coverage is impacted.

The Price of Insurance Coverage for Hypertension

In general, having elevated blood pressure will result in a little increase in your rates. Other elements, such as the following, will affect how much:

• Blood pressure range: Your insurance coverage will be less expensive the closest your hypertension is to the recommended 120/80.
• Age: Insurance providers are more forgiving of older folks because elevated blood pressure is now more prevalent in those around the age of 60.
• Date of diagnosis: Your rates will rise the longer you have had high blood pressure.
• General health: Your life insurance premiums will probably increase if you have high blood pressure in addition to other diseases or risk factors like smoking.

Your insurance provider will reward you by reducing your premiums the more effectively you can show that you are making proactive efforts to enhance your health.

How to acquire insurance if you possess elevated blood pressure

In most circumstances, having high blood pressure on its own won’t exclude you from getting life insurance as long as it’s combined with other risk factors.

The majority of life insurance policies require a medical assessment in order to accept your application for coverage. Documents like these are included in medical underwriting for affordable dental plans NJ:

• medical reports
• medical reports
• examination for life insurance
• documents from the Medical Information Bureau
• Report RX

Conclusion

Wrapping up, this is all about life insurance coverage for high blood pressure. If you want the best insurance plans, you can contact Insurance Throne. Read More

The post Life insurance coverage for patients with high blood pressure appeared first on Insurance Throne.