The Art of Random Willy-Nillyness: National Association of Insurance Commissioners Exercise Heart Monitor Giveaway! *RaffleCopter*
Image Map

Sunday, October 16, 2011

National Association of Insurance Commissioners Exercise Heart Monitor Giveaway! *RaffleCopter*


About this time every year, health insurance enrollment opens for those who receive health benefits from their employer. This is the perfect time to reevaluate what your options are. I know every time I look at my paperwork, I have no idea so hubby and I sit down and look over everything.

Luckily, the National Association of Insurance Commissioners (NAIC) has created a list of helpful tips for you to look at and consider what your options might be. These are super handy and since this is such an important decision, it is something I suggest you read.

NAIC Health Insurance Tips

If you receive health insurance through an employer, consider the following before selecting coverage this year:

* Review options for changes: Don’t automatically renew what you have had before because employers are making changes due to rising costs.

* Do the math: To pick the best plan, calculate healthcare costs from recent years and try to estimate costs for the coming year; don’t assume you know what plan will be the most affordable.

* Check out tax-free savings: Open a Flexible Spending Account (FSA) plan or a health savings account if that is available to you. And, don’t forget about dependent care savings accounts.

* Look for wellness incentives: Find out if your employer is offering a wellness program or incentives for healthy behaviors such as exercising regularly or not smoking.

If you are self-employed, you face some unique challenges in finding and keeping health insurance, but you have a range of choices. Tax laws may allow you to deduct the cost of health insurance for yourself, your spouse and dependents.

* Spouse plan: First, check about being added to your spouse’s or domestic partner’s employer plan.

* Individual insurance: Consider shopping for private insurance. This option allows you to customize care to your lifestyle, health and budget. New Pre-Existing Condition Insurance Plans could help if you have had trouble qualifying for coverage in the past

If you are unemployed, you were likely forced to determine how, or if, to continue your health insurance coverage within the past year.

* Now is a good time to review your decision and determine if your choice is still appropriate and if you or your family members might be eligible for Medicaid or the Children’s Health Insurance Program.

* Some professional or philanthropic associations offer state regulated health plans. For a fee, you can join these organizations and have the ability to participate in their plan.

I hope these tips help you out as you are thinking about health insurance. It is so important to make the right decisions when choosing plans. The great peeps over at NAIC have generously donated a Timex exercise heart rate monitor ($36 value) to help you achieve a healthy lifestyle. Enter to win! This is a RaffleCopter giveaway and the widget make take some time to load.








Disclosure: I received a sample product for review purposes. No other compensation was given and the opinions in this post are solely mine. Please allow 6-8 weeks for delivery of any prizes.

62 comments:

  1. A new spouse or baby can significantly change your health insurance needs and costs.

    msgb245 at gmail dot com

    ReplyDelete
  2. This is what I learned "If you don’t have coverage you can be exposed to high health care bills; or, if you have too little or the wrong kind of coverage, you won’t have enough protection." Thanks, Patricia

    ReplyDelete
  3. Some insurance companies off wellness incentives that can help lower your costs.

    ReplyDelete
  4. IN addition to your health insurance coverage, you might be eligible to open a FSA or a HSA.

    ReplyDelete
  5. I learned that they have a whole section that talks about cancer insurance and the benefits and disadvantages of it.

    kerrie@mayansfamily.com

    ReplyDelete
  6. I learned that you should look closely for changes and do not automatically renew the options you had before.

    rhoneygtn at yahoo dot com

    ReplyDelete
  7. I learned that a new spouse or baby can significantly change your health insurance needs and costs.

    ReplyDelete
  8. I learned that It is completely up to the employer whether or not they will offer health insurance to employees at all, and they can change carriers and level of benefits at any time.
    blue65829 at aol dot com

    ReplyDelete
  9. I learned on the NAIC website that having poor credit can result in higher premiums or, in some cases, the inability to secure insurance through some carriers.

    abfantom at yahoo dot com

    ReplyDelete
  10. I learned that health insurance companies can deny my application for individual insurance due to a health condition.

    paige1sme at aol dot com

    ReplyDelete
  11. Find out if your employer offers a wellness program that includes money-saving incentives for healthy behaviors such as exercising regularly or not smoking.

    ReplyDelete
  12. I learned tha you can also visit HealthCare.gov for information from the U.S. Dept. of Health & Human Services (HHS).

    ReplyDelete
  13. NAIC's statistics show that 153 million Americas get health insurance from they employers, 9 million people are self employed and 14 million people are unemployed.

    Thanks for the great giveaway opportunity. ~Pauline

    dod@rogers.com

    ReplyDelete
  14. I learned that health insurance companies can deny my application for individual insurance due to a health condition.

    ReplyDelete
  15. I learned that a new hubby and child can drastically change your health insurance needs.

    ReplyDelete
  16. The self-employed can deduct the cost of insurance premiums from their taxable income.

    ReplyDelete
  17. I learned that you should find out if your employer offers a wellness program.

    ReplyDelete
  18. I learned that you may need to make big changes to your insurance coverage if you get married or have a baby

    ReplyDelete
  19. I learned that health insurance companies can deny an application for individual insurance due to a health condition.

    ReplyDelete
  20. I learned that health insurance companies can deny my application for individual insurance due to a health condition.

    ReplyDelete
  21. After your children are grown it is even more important for you to focus on your own health.
    pbclark(at)netins(dot)net

    ReplyDelete
  22. I learned that some advertisements are not for health insurance. If you read the fine print, they actually offer 'discounts' rather than coverage.

    ReplyDelete
  23. They have cancer insurance section!


    freebiegoddess03@aol.com

    ReplyDelete
  24. I learned In addition to your health insurance coverage, you may be eligible to open a Flexible Spending Account (FSA) or a health savings account (HSA). This is like giving yourself a raise! Love it

    ReplyDelete
  25. I learned that you can also get a health savings account, not just flexible spending

    ReplyDelete
  26. Remember to review during open enrollmnent... otherwise you are locked in!

    ReplyDelete
  27. I learned that Medicaid does not pay for nursing home care or longer-term home care.
    eugeniewu at gmail dot com

    ReplyDelete
  28. I learned that your employer does not have to offer health insurance at all. And I did not know that.

    ReplyDelete
  29. I learned that Susan Voss is the President of NAIC.

    ReplyDelete
  30. There are wellness incentives.

    ReplyDelete
  31. A catastrophic or high-deductible medical plan typically carries lower premiums than other individual policies.
    hlee99 at gmail dot com

    ReplyDelete
  32. I learned there is a link to a terrific website for seniors like myself... http://www.healthcare.gov/ with a wealth of information.

    lkish77123 at gmail dot com

    ReplyDelete
  33. In addition to your health insurance coverage, you may be eligible to open a Flexible Spending Account (FSA) or a health savings account (HSA).

    ReplyDelete
  34. I learned that this website also offers information on long-term healthcare.

    ReplyDelete
  35. I learned that they have a spouse plan


    trippyjanet at gmail dot com

    ReplyDelete
  36. I learned that it's a good idea to obtain a copy of your health records to make sure you don't forget to include something in your application for benefits.
    ericacarnes(at)gmail(dot)com

    ReplyDelete
  37. They have health insurance considerations for domestic partners, single parents, military, and seniors who are raising grandchildren

    Thank you for hosting this giveaway

    Louis
    pumuckler {at} gmail {dot} com

    ReplyDelete
  38. I learned that a new spouse or baby can significantly change your health insurance needs and costs

    Hotsnotty2@hotmail.com

    ReplyDelete
  39. I learned that you might be eligible for Flexible Spending Account (FSA) in addition to your reg. health ins.

    brich22 at earthlink dot net

    ReplyDelete
  40. I learned that one should maintain a good credit rating as sometimes ratings can impact insurance costs.
    jas8929(at)gmail(dot)com

    ReplyDelete
  41. I learned153 miooion americans get their health insurance through their employers.
    wolf102.cynthia@aol.com

    ReplyDelete
  42. I like that they direct you to the people you need to talk to in your state about insurance

    jason(at)allworldautomotive(dot)com

    ReplyDelete
  43. They have a whole section that talks about the pros and cons of cancer insurance.

    daveshir2005@yahoo.com

    ReplyDelete
  44. In addition to your health insurance coverage, you may be eligible to open a Flexible Spending Account (FSA) or a health savings account

    ReplyDelete
  45. I learned that obtaining insurance is harder when you have a bad credit rating.

    hazel
    hwilcox2008@gmail.com

    ReplyDelete
  46. I learned that insurance is not the only thing they offer. They also have Flexible Spending Accounts and health savings accounts.

    Thank you for the entry,

    nikkidavissells at gmail dot com

    ReplyDelete
  47. I learned "If you are unemployed, within the past year you were likely forced to determine how, or if, to continue your health insurance. Now is a good time to review your decision. If you’ve been out of work for some time and your income has taken a significant hit, you or your family members might be eligible for Medicaid or the Children’s Health Insurance Program."

    This is important to know. My husband recently lost his job and we have NO insurance right now. I am going to check into this.

    mosaic317 at gmail dot com

    ReplyDelete
  48. I learned about tax free savings like a Flexible Spending Account (FSA) or a health savings account (HSA).
    houowl at gmail dot com

    ReplyDelete
  49. i learned that they have a good spouse plan
    traceyj40@sbcglobal.net

    ReplyDelete
  50. I learned that a new spouse or baby can significantly change your health insurance needs and costs.

    krazekatlady at gmail dot com

    ReplyDelete
  51. about health spending accounts

    ReplyDelete
  52. that you need to make changes to your insurance if you get married or have a baby

    ReplyDelete
  53. Credit rate affects your premium.

    amybabya79 at yahoo.com
    amy carlson

    ReplyDelete
  54. I learned that cancer treatment only accounts for a small percentage of the American public's health care bill.
    laura dot hopelessromantic dot emerson at gmail dot com

    ReplyDelete
  55. I learned that It is completely up to the employer whether or not they will offer health insurance to employees at all, and they can change carriers and level of benefits at any time.

    ReplyDelete
  56. I found a link to my state's (Georgia) Insurance Commissioner
    who knew?

    ward-ward@live.com

    ReplyDelete
  57. I learned that in addition to your health insurance coverage, you may be eligible to open a Flexible Spending Account (FSA) or a health savings account (HSA). And don’t forget about dependent care savings accounts.

    ReplyDelete
  58. I learned that sadly, some health insurance policies will deny coverage if you are later found to have had cancer at the time of purchase, even if you did not know it.

    ReplyDelete
  59. I learned that a change in your life, marriage or a baby for example, and drastically change your coverage.



    frugalslhf@hotmail dot com

    ReplyDelete
  60. a health insurance company can deny
    an application for individual insurance due to a health condition

    zameta3 at gmail dot com

    ReplyDelete
  61. I learned that some health insurance policies will deny courage if you are later found to have cancer

    ReplyDelete
  62. I learned that insurance companies can deny you for previous conditions, and you can get cancer insurance.

    ReplyDelete