Saturday, January 24, 2009

A New Kind of Health Insurance

By Jeff Cline

Consumers are looking for a new kind of health plan and carriers are stepping up to the plate to deliver. The demands for more affordable, but functional health insurance is being met. These new fangled plans are affordable, help you control cost and help you stay healthy.

One example is a plan through the carrier UniCare. They have a fairly new plan they introduced called the Solaura HIA, or Health Incentive Account. It is fashioned much like a Health Savings account. Instead of contributing money to fund the account you earn money by improving and promoting good health.

The plan also allocates a quarterly allowance of $125 single/$250 family to your HIA each quarter of a year. All funds in your account can roll over year to year and there is no roll over limit.

There are incentives to earn even more monetary awards to your account. They have healthy programs you can complete. You can stop smoking or take the weight management challenge to earn more. You can even earn $50 for completing an online Health Assessment.

One key factor to this plan is the importance it plays on preventive screenings. It pays for your annual preventative screening 100%. It covers the office visit, most screenings, including a pap test and even tons of immunizations.

Many insurance companies and consumers are discovering that they can control cost by promoting healthy habits and annual screenings. Hence the sudden apperance of such plans. The consumer is loving the thought of being rewarded for healthy habits!

Consumers need ways to save money on health expense. Not buying into the all inclusive benefit packages that look so shiney is one way to save a bundle. Only buy what you need.

So do not settle for one of those high dollar plans that has so many benefits you will never use them just because an eager sales person said it is the best. What is best for Joe is not necessarily best for Patty. So make them find a plan that meets your specific need. - 15275

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