A New look for Health Insurance
The demand consumers are putting on health insurance is changing. Many insurers are taking on the challenge to meet these needs. Consumers are looking for a more affordable plan that rewards those with good healthy habits. They want to stay healthy and at the same time control cost.
What if you could earn rewards for improving your health? Will this is just one of those new plans that UniCare introduced that does that. It is the Solaura HIA plan. HIA stand for Health Incentive Account. Instead of contributions to a saving account you earn dollars in your account.
The money you earn rolls over year to year if you never use it. There is no limit to how much you can roll over either. Making it a challenge to remain healthy huh? You also earn quarterly allocations. They are $125 for 1 person a quarter and $250 for a family plan.
They also dangle incentives to earn bonus dollars in your account. You could stop smoking. Our how about sheding those extra pounds the doctor has been telling you to lose for 5 years now? Immediatly you could earn $50 just for completint a assessemtn online.
Preventative Screenings are covered at 100% in this plan. Yes 100% for the office visit, most nationally recognized screenings and many, many immunizations. The idea is an annual screenings heads off any real problems before they even start.
Experts are saying that early detections saves thousands of dollars and consumers and insurers are picking up on this. Many new plans are promoting healthy habits and annual screenings of ways of controlling cost. Some like the above plan is even offering incentives.
A good way for the consumer to cut cost in this bleak economy is to control how much they spend on health. Why pay hundreds of extra dollars for a health insurance plan with tons of brightly colored benefits most may never use?
Don’t let a sales agent put you in a plan that only gets 20% use. Why pay for the extra 80% if you do not need it. Tell them you want a plan that focuses on health. Not something that is expecting me to see a doctor for every bump and bruise. Because we just can not afford that these days.
