Facts & Articles On The Different Types Of Insurance

Managing Costs with High Deductible Insurance New Plans, New Rules, New Approaches

Denver, CO (PRWEB) March 26, 2008 -- As health care consumers and employers look to health savings accounts and high deductible plans to reduce their health insurance premiums, the insured are at higher risk for their medical expenses. In exchange for lower premiums, health care consumers spend hundreds or even thousands of dollars on deductibles before their insurance companies pay a nickel. The new trend has health care consumers scrambling.

Denver medical providers offer advice:

1.)    Choose the appropriate place of service for healthcare needs, and avoid the emergency room if at all possible. Even with insurance company discounts, an ER visit will cost you more than $500.00.

2.)    Call your primary care physician for an appointment before seeking treatment elsewhere. Treatment in your physician's office is almost always the least expensive alternative for accessing healthcare for minor injuries and illnesses.

3.)    Consider an urgent care center or clinic for non-life and limb threatening injuries and illnesses, when your physician office is closed or unable to accommodate an appointment. Your average visit will likely cost about $150.

4.)    Ask for self-pay or payment in full discounts at the time of service.

Denver's AfterOurs Urgent Care Centers offer patients who pay for their visits at the time of service substantial discounts. "Two out of ten insurance claims are denied for some reason, leaving patients in the middle. Collecting payment at the time of service reduces our administrative costs, so we are able to offer considerable discounts to our patients. Most (patients) have high deductible plans anyway. Payment information is forwarded to the patient's insurance company, so their payment amount is recognized by the insurance company and applied to their deductible. The difference is whether we collect the patient's portion up front or later", said Chris Rehm, Executive Director of AfterOurs Urgent Care.

So what happens when a patient pays more at the time of service than their insurance company allows for? Under current insurance laws, medical providers who collect more from the patient at the time of service than the insurance company is contracted to pay, must refund any overpayment directly to the patient. "Overpayments rarely happen on the front end, because we have good knowledge of our insurance contracts and new technology allows us access to patient deductible balances," stated David White, Co-Owner of Denver based Pinnacle Medical Billing. "Some payors contractually restrict the practice of collecting deductibles up front, and we can't require anyone to take advantage of the opportunity, but most insurance companies are happy that they and there patients save time and money by paying at the time of service."

About AfterOurs

AfterOurs Inc., a locally owned and operated urgent care company, is dedicated to providing high-quality, low-cost healthcare services when physician offices are closed. Formed in 2005, AfterOurs operates clinics - Denver, Highlands Ranch, and Thornton. www.UrgentCare1AM.com

###

Other Article Sites

findabook.com  moneycd.info  a-mortgage.info   about-lemon-laws.info  aboutstudentloans.info
all-about-publishing.info  auctions-articles.info  bestcollege-university.com  bestispconnection.com
biblefolder.com  blogger-website.com  books-used.info  brokers-guide.info  buywindows.info  cable-dsl.info
career-miner.com  carpel-tunnel.info  cashinaflash.info  cashloanreviews.info  casinobell.com  chat-house.info
clearmycredit.info  collegeloantips.info  crones.info  depression-articles.info   dirnic.net  dishguides.info
divers-below.com  expodog.info   financewizz.com  fire-insurance.info  getgood.info  handleit.net   it-idea.info
health-supplies.info  hosting-right.com  insidealert.com  insurance-facts.info  jobs-employment.info
justgood.info  lookgold.net   lowcost-travel.info  money-source.info  myhostzone.info  numisblog.com
peoplesearchfinder.info  pr-articles.info  realeas.com   refinancing-guides.info  spyware-remove.info
telelot.info  the-law.info   toppaid.info  travel-deals.info  travelcorrect.com  wedding-guide-site.com
your-blog.info  your-credit.info

Buy A Car Insurance Online
Buying a car insurance can still be a hassle. You have to comply with some requirements, ask about their policy, and even study how the system really work. However, you can remove some of the inconveniences by applying for a car insurance policy through the World Wide Web.

Finding Affordable Car Insurance
When it comes to finding affordable car insurance there is no better way to go than by looking and shopping online for it, either by going to a specialist broker or doing the legwork yourself. Online insurers can pass the biggest savings on to you simply because they have lower overheads; the insurance is the same as you would pay for elsewhere.

Life Insurance: 7 Reasons Why You Might Like Life Insurance
Life insurance is planned to protect your household and others who may depend upon you for financial support Having insurance protection may secure anybody of semipermanent financial freedom and peace of mind

A Broker Can Find You Good Value Car Insurance
When it comes to finding good value car insurance a broker can do this much easier than the individual can. A broker has the means to search within the bulk of the motor insurance market place on your behalf and gather together the cheapest quotes possible. Insurance will vary depending on your particular circumstances and among the different providers, so getting as many quotes as possible will lead to making the best savings.

Check Mortgage Insurance Protection Cover Out Online
Checking out mortgage insurance protection cover is imperative before you rush into taking it out There are many factors you have to be aware of if you are to ensure suitability for your circumstances

Cheap Medical Insurance
It's hard to imagine anyone who would not be interested in finding cheap medical insurance. Unfortunately it is getting harder and harder to find medical insurance that is affordable. In fact, fully 16% of all Americans today cannot afford any health care at all.

How Can You Get Cheap Auto Insurance In New York?
Auto insurance companies consider several factors when setting the rates of auto insurance policies. One important factor is the safety of the area in which the automobile is primarily driven and parked. Many parts of New York are considered high crime areas, and auto insurance companies are naturally going to hike auto insurance rates up for drivers who live, and drive, in high crime areas.

What To Look For In A Full Coverage Automobile Insurance Quote In Mississippi
When purchasing automobile insurance in Mississippi you have, basically, two choices You can choose to purchase just the minimum liability insurance that the state of Mississippi requires, or you can choose to purchase a full coverage insurance policy

Disability Insurance - Why Young And Healthy People Need It
Unfortunately accidents happen. Some of these may unfortunately put you in the hospital for weeks, followed by months of rehabilitation. Or you are not able to work or leave the hospital because of a permanent injury.

Student Travel Insurance  for your safety!
Many student travellers overlook insurance, but it can be tremendously important, providing peace of mind for you and your family back home. Student Travel Insurance offers you a solace when youve planned to travel abroad. Most policies provide insurance cover for your baggage, medical expenses and cancellation, making sure you have the help you need when you need it most. When buying a policy, check with your insurer that it covers you for any extra activities you may participate in, such as bungee jumping, white water rafting.

Term Life Insurance | I Cannot Imagine Life Without Investing in the Life Insurance Policy
Sometimes I think what would have happen if there were no assistance like the life insurance companies Who would have helped us financially if we were in urgent need of it

Simplifying the Process of Finding Affordable Health Insurance
As consumers choices increase when buying affordable health insurance online, so has the growth of benefit information within those plans. Today there are thousands of broker-sponsored websites ready and able to serve the consumer.

Accident Insurance For Children - Have You Thought About It?
Have you thought about providing financial security for your children in case they are seriously injured in an accident of any kind? The possibility of an accident putting your child in a wheelchair for life, is not one that anyone likes to think about. Not thinking about the possibility does not take that chance away though.

How Much is Mortgage Protection Insurance Worth
The majority of homeowners never stop to consider what would happen if they suddenly didn?t have the ability to make their mortgage payment. Yet everyday people find themselves facing sudden illnesses, a death in the family or a natural disaster that prevents them from having the necessary funds to pay their mortgage. With mortgage protection insurance all homeowners can have the extra protection they need.

The Homeowners Consumer Center Urges Insurance Agents and Real Estate Agents to Tell Their Clients to Update Their Homeowners Insurance Policies Now
Americas Watchdog created the Homeowners Consumer Center as a result of Hurricane Katrina. Americas Watchdog was based in New Orleans before, during, and after Hurricane Katrina. The Homeowners Consumer Center is the number one homeowners web site in the nation that addresses the most important homeowner issues, including insurance. According to Americas Watchdog, "because of our extreme fear about the storm and hurricane season of 2008, we are literally begging insurance agents and real estate agents to contact their clients about updating their homeowners insurance policy. "I had eight feet of water in my house, and I should have had better insurance, every US homeowner needs to update their insurance policy now, before its to late".