Sunday, January 18, 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.

With the Solaura plan you are automatically awarded quarterly allotments to help meet the deductible. Individuals get $125 a quarter and a family $250. Unused money rolls over year to year and there is no limit.

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.

One benefit of this plan that makes it super cool is the 100% preventative screening it offers you. It pays for the offcie visit, immunizations and tons of screenings. And no of this is deducted from your earnings!

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!

These kind of plans promote good health, which in turn saves you hundreds of dollars. And for someone trying to cut cost it is an excellent way to cut those benefits that you rarely use and only pay for the important stuff.

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. - 16928

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