If you want to get superior but affordable medical insurance coverage, then you really need to look at the opportunities presented by the internet. To overlook them would be to deliberately opt to pay a lot more than you should. So in what ways can you pay less with the internet...?

1. You can get useful information that will both help you pay less and get the best policy for your peculiar needs. Look everywhere online. There are great articles on health insurance. All it will cost you is just the discipline to read through and make use of the great recommendations you get.

2. Has your health insurer NOT kept its own part of the deal? With the internet, you can easily make these big companies sit up. Just ask and you'll get Michael Moore's email address.

But more importantly, it only takes spending a short while in different health insurance forums for you to discover insurers to avoid in case you are just shopping for a policy.

Furthermore but more importantly, you also have your state's department of insurance or it's equivalent, BBB, standard and Poor's and other rating organizations to help you determine if an insurance company is worthy of your business.

3. The internet makes the entire process of comparison shopping far easier than it used to be. Could you imagine picking up the Yellow Pages, searching for agents in your area and then calling them one after the other for quotes?

With the internet all you have to do is visit a site, fill a short questionnaire and you'll receive quotes from five or more insurers.

But can you believe a lot of folks still don't make the most of this? They just get quotes from one site and based on that, they make their decision. That's wrong. Visit not less than five reputable sites for quotes. This will give you a very broad range of quotes from a wider range of insurers.

This will expose you to more exciting offers and make it a lot easier for you to pay far less for superior coverage.



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It's a good thing to have a medical or health insurance policy. It's great to pay your rates as and when due. It's also soothing to know that your insurer is a reliable entity you can trust. However, it's a lot more important that you ensure your policy has features that will give the value you deserve. Why pay for stuff that leaves you inadequately covered? Here are a few things to insist on...

1. Make sure your medical insurance policy includes world-wide non-emergency coverage. The only people who this shouldn't bother are those who've vowed never to step out of their countries. But if you do intend to ever go on vacation abroad, you'll do well to ensure your health insurance plan will still cover you medical expenses there.

2. Make sure your policy has no coverage limits. Where this is NOT possible, look for one with a very high coverage limit. $1 million is a good limit per claim. And for lifetime coverage limits, look for something as high as $2 million. Remember, although you may pay a lot less for policies that offer very low coverage limits, you might be putting yourself or family in a financial mess if you ever need medical care that far exceeds that limit.

If you're one of those folks who rarely fall ill, then you might just go for a catastrophic health insurance policy. This policy kicks in when you have catastrophic health conditions that could literally render a person destitute. The cost per $100,000 coverage is quite low when compared with regular policies. And at the same time, you have the peace of mind that you are covered whatever happens.

3. It's also a good idea to ensure you can see whichever specialist you need to see without a referral. Yes, this will mean you will pay more but would you rather have to beg to see the right specialist if you or yours have a serious health condition that requires specialist and urgent attention?

These features will definitely mean higher rates. But do you know that you can still pay a lot less? All you have to do is get and compare many quotes from a wide range of insurers.

Different insurers have different loss histories and underwriting criteria and these affect rates you get. Therefore, good comparison shopping ensures that you find an insurer that has the best rates for your profile.



Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

Custom ICD-9 Coding automation software saves clinics thousands to millions of man hours. The software reads the file of thousands of reports and fee sheets and separates them into collated exams. The parsing engine pulls information like procedure codes, doctor up-ins, POS, Dept, etc.. into a data file associated with each exam. This process happens nightly. The original source files are stored in a backup location.

In the morning, coders come in and are presented each exam in order of date, insurance type, and department (POS-DEPT). This saves hours in printing and sorting by hand. The coder need only look at the procedure code and skim the report to enter the appropriate ICD-9 code and hit next. If additional procedures need to be added, they can be on the fly. Data checks are performed before the exam is passed on to the next process. Coders can add a note to each exam for reference at other stages of the process. The report and fee sheet can be toggled for viewing with a single click of the mouse.

The exam then goes to enhancing for insurance and demographic verification. There are 2 virtual bins for exams that are missing information or have follow up exams associated with them. Fields can still be edited at this point for correcting up-ins and attending physician codes.

The exam goes to charging where it is presented again in sorted order. The exam can be entered into the charging software's fields manually or using a custom add-on, can be pasted with a single click of the mouse.

That night, all batched/charged exams are converted into pdf format and stored in a searchable history folder.


Article Source: http://EzineArticles.com/?expert=David_Lang