Naomi D'Souza | Writer, Food & Lifestyle Blogger in Dubai
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      Can You Help A Friend Get Away From…

      Articles

      Easy Online Side Hustles You Can Do While…

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      The dating disasters you’ll want to avoid

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      Finding the right care for your loved ones

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      How to start a travel blog?

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      Where can I find a virtual office in…

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      A Guide to Dubai Hills Estate Rental Trends

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      Top Tips to Know Before Buying Property in…

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      Easy Online Side Hustles You Can Do While…

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      What’s The Best Way To Boost Your Mental…

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      Useful Tips for Creating Logos

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      4 Tips to working with a brand effectively

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      How to invest your money this year

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      5 tested tips to create high engagement LinkedIn…

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      How much money YouTubers make and how you…

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      What type of content and categories perform best…

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      Mark Zuckerberg to change Instagram and Whatsapp’s name…

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    • All Lifestyle Recipes Restaurant
      Recipes

      Chocolate Mug Cake by Zoya Umran, from CakesbyZoya

      Recipes

      4 Delicious ways to prepare BBQ ribs

      Recipes

      Mediterranean Red Mullet by Chef Antonio, from Pierchic

      Recipes

      Spaghetti Carbonara by Chef Giorgio, from Trattoria Toscana

      Lifestyle

      U.A.E Shopping Trends: 10 Interesting Consumer Facts

      Lifestyle

      Family & Pet photoshoot with Pink Pepper Photography

      Lifestyle

      Hair removal: Electrolysis for permanent vs Laser for…

      Lifestyle

      Bounce ~ Off the wall

      Recipes

      Chocolate Mug Cake by Zoya Umran, from CakesbyZoya

      Recipes

      4 Delicious ways to prepare BBQ ribs

      Recipes

      Mediterranean Red Mullet by Chef Antonio, from Pierchic

      Recipes

      Spaghetti Carbonara by Chef Giorgio, from Trattoria Toscana

      Restaurant

      This Diwali Menu at ‘Mint Leaf of London’…

      Restaurant

      Kohantei – Experience Japanese Kaiseki at its Finest

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      Breakfast at At.mosphere, Burj Khalifa

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      This restaurant only plays old Bollywood Songs &…

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      Honeymooning at Heritance Aarah, Maldives 💙

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      Address Downtown is now opened! Here’s my staycation…

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      Food across the Globe

      Food Scenes in Islamabad

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      Sydney Food Guide

      Food across the Globe

      New Yorkers Food Guide

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      Honeymooning at Heritance Aarah, Maldives 💙

      Hotels & Resorts

      Address Downtown is now opened! Here’s my staycation…

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      Why Sofitel is one of the leading hospitality…

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      Zabeel House Mini by Jumeirah ~ Dubai

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Naomi D'Souza | Writer, Food & Lifestyle Blogger in Dubai

Guest Posts

How to find good health insurance plans

August 29, 2018

A lot of people are questioning the future of their health which is why more businesses are looking to Learn more about healthcare for their employees, people are seeing whether they’re covered by Obamacare, and now is the right time for adopting strategies to ensure that your needs are covered irrespective of what the future might hold.

No matter the future of government health care funds, there are some tried and true strategies for you to find health benefits that work for both you and your family and help you save money when it comes to your health.

How to shop for health insurance irrespective of what happens

Life insurance or health insurance plans are crucial for peaceful living. The tips provided here will ensure that you get the best value for your money in your existing health insurance plan or when you shop around with the aim of finding an affordable health care option no matter what changes may come. In case, you are also looking for reviews or details on life insurance policies, you can find more on insurance company reviewing websites.

What is the best healthcare insurance plan?

Beware: Lower premiums don’t always mean the most affordable option

It is important not to judge a health insurance plan by its price tag. Even though the price is probably the first thing you want to know when buying a plan, the real answer to the question is not always obvious. Depending on the needs of your family and financial status, the bottom line on your health insurance might not be the monthly premiums.

For instance, you will pay less in premiums if a high deductible policy is what you choose. In a claim, you will find yourself paying much more because of the deductible. If you are of good health, don’t suffer any accidents, and everybody on your plan is fortunate enough to remain healthy, then a low premium and high deductible plan is ideal for you. If the opposite happens, however, you might find yourself paying much more. To evaluate the cost of health insurance, it is important to look at how much you will have paid by the end of the policy term, after all the medications, medical appointments, emergencies, or preventative care are all factored in.

The options you should consider include:

  • How much you are able to pay out of pocket
  • The tax credits or subsidies that you can get
  • The actual needs of your family

Families that have small children, seniors, or young couples who are starting out will all have different medical as well as financial concerns. These concerns include different medical insurance policies or different types of insurance altogether. For example, you may want to use this company to take out a life insurance policy on your grandparents as it could fund medical treatments and premiums. If your spouse works in a hazardous industry it may be worth getting disability insurance in the event they are injured as it can also help fund treatments in the event they are unable to work. It is important to adapt your choices to your needs and reevaluate over time. You may decide to stop paying out a policy as it’s just not worth it and choose to get another.

With any type of insurance, you shouldn’t base your decisions solely on the premium. Instead, base your decision on how much you will really be getting out of the plan and the risks involved.

How much of health insurance subsidies are you able to get?

You can get a clue of the kind of subsidy that you qualify for using an online tool. It is one of the ways that you can get an idea of what you actually qualify for. Keep reading to really maximize where and how you can save.

Check all your options: Ensure that you explore all options available to you before purchasing a health plan. For instance, if you aren’t married, but have a domestic partner, find out whether you can get covered under their health plan. The laws have changed in the past several years and options could be available to you that you might not realize.

Compare the coverage of existing plans: People often overlook reviewing how two separate health insurance plans can work together. For instance, if you have a domestic partner or are married, understanding the coverage on both plans and comparing the advantages that each plan offers will help you reduce costs.

It can also be a good idea to look at how to coordinate benefits and maximize refunds on medical costs. Medical insurance can cover all sorts of things, from typical things like broken bones to psychologists like this blue cross blue shield psychologist.

Health insurance waivers: Once you have reviewed your circumstances, you may decide to sign a health insurance waiver with one group insurer if you compare plans and costs with your partner and determine that one offers more advantages. Some people are actually able to get alternative compensation from employers as a result of waiving their health plans in favor of being added to a spouse’s.

What about health savings plans? Are they still viable?

Caitlin Donovan, Director of Outreach and Public Affairs at National Patient Advocate Foundation says that if you have a health savings account, you can continue adding money to it. Republicans have been very interested in not only keeping HSAs but also expanding their use, which means that this can be of great benefit to you.

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Hello, Welcome to my world!

Hello, Welcome to my world!

I’m Naomi! MSc Mech Engineer by degree, Digital Strategist by profession, and content creator by passion! I’ve spoken at 3 TEDx platforms, recognized as the #Hot100 most influential Asians & Influencers, & ranked in the Top 30 sites in UAE (2M+ views)! Here, you can explore topics that will educate your mind, nourish your soul, and satisfy your tummy 😉

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