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Health Net Offers Tips On Choosing Health Coverage

LOS ANGELES–(BUSINESS WIRE)–

In recognition of Wise Health Consumer Month which began Feb. 1 Health Net, Inc.[1] (HNT[2]) is offering helpful tips to those shopping for health coverage.

Individuals are able to sign up for health insurance in the federal and state exchanges also known as the Health Insurance Marketplace through March 31, so this is a good time for many people to look at their options and make decisions, said Steve Sell, president of Health Net, Inc.s Western Region Health Plan. Health Net is committed to helping individuals and families pick the plan that best meets their needs.

Words Worth Knowing

Before comparing coverage options, its best to first refresh your health insurance vocabulary. Be familiar with the meaning of these words, as defined on www.HealthCare.gov[3]:

  • Premium the amount of money that must be paid to your insurance carrier. You and/or your employer usually pay the premium monthly, quarterly or annually.
  • Coinsurance your share of the costs of a covered health care service, calculated as a percentage (for example, 20 percent) of the allowed amount for the service. You pay coinsurance, plus any deductibles that you may owe. For example, if the insurance carriers allowed amount for an office visit is $100, and youve met your deductible, your coinsurance payment of 20 percent would be $20. The insurance carrier pays the rest of the allowed amount.
  • Copayments (or copays) a fixed amount (for example, $15) that you pay for a covered health care service, usually when you receive the service.
  • Deductible the amount you owe for health care services before your insurance carrier begins to pay. For example, if your deductible is $1,000, your plan wont pay for anything until youve met your $1,000 deductible for covered health care services that are subject to the deductible.

Health Insurance Marketplace Plans Four Categories

Insurance plans available through www.HealthCare.gov[4] or through one of the state health insurance exchanges, such as www.coveredca.com[5] are divided into four categories: bronze, silver, gold and platinum.

All of the plans offer essential health benefits, including: emergency services; hospitalization; laboratory tests; maternity and newborn care; mental health and substance abuse treatment; outpatient care; pediatric services (including dental and vision care); prescription drugs; preventive services (such as immunizations and mammograms) as well as management of chronic diseases (such as diabetes); and rehabilitation services.

What distinguishes the four categories from each other are their associated premium costs and the portion of charges that you must pay for things like hospital stays or prescription medications. The category selected also affects your total, annual out-of-pocket costs. The maximum annual out-of-pocket costs for any 2014 Qualified Health Plan are $6,350 for an individual plan and $12,700 for a family plan.

To better understand the differences between categories, www.HealthCare.gov[6] offers these guidelines:

  • Platinum and gold plans pay more of your out-of-pocket costs when you receive care and usually have higher premiums. If you anticipate the need for numerous doctor visits and other services, your best choice may be a platinum or gold plan.
  • With silver and bronze plans, youll likely pay a lower premium, but youll pay a higher share of the costs when you receive care. If you dont expect to need frequent doctor visits or other ongoing health care services, a silver or bronze plan may work for you. However, if you experience an unexpected health problem or are involved in a serious accident, a silver or bronze plan may require you to cover more of your health care costs.

Tailored Networks

Even within the same category, different types of plans are available. For example, said Sell, at Health Net, weve focused on developing high-value networks of health care providers in certain areas that offer consumers lower premiums. As a result, Health Nets CommunityCare HMO in the silver level has the lowest premiums in five California counties Los Angeles, Orange, Riverside, San Bernardino and San Diego. In fact, our silver plan premiums can be less than many bronze plans available in the marketplace.

Cost Reductions Available

Individuals and families may qualify to pay lower premiums for their coverage purchased on the federal or state health insurance exchanges. These reductions are based on income and family size. In general, if your income falls within the ranges below, you’ll qualify to save money on your premiums for plans purchased on the exchanges in 2014. The lower your income within these ranges, the more you’ll save:

  • $11,490 to $45,960 for individuals
  • $15,510 to $62,040 for a family of two
  • $19,530 to $78,120 for a family of three
  • $23,550 to $94,200 for a family of four
  • $27,570 to $110,280 for a family of five
  • $31,590 to $126,360 for a family of six
  • $35,610 to $142,440 for a family of seven
  • $39,630 to $158,520 for a family of eight

In addition to premium credits, the Affordable Care Act also offers people with incomes up to 250 percent of the federal poverty level[7] cost sharing subsidies for help paying things like deductibles, copayments and coinsurance. These reductions can be an important consideration for lower-income consumers when choosing their coverage. Cost sharing reductions will be applied automatically for consumers who qualify based on their income but only if they buy a silver level plan, considered the benchmark under the health care reform law.

Coverage Options Available Outside the Marketplace

Health Net continues to offer affordable quality health coverage outside the federal and state exchanges as well, said Sell. Consumers should contact their broker or a broker who sells health insurance to learn more.

Medical Advice Disclaimer

The information provided is not intended as medical advice or as a substitute for professional medical care. Always seek the advice of your physician or other health provider for any questions you may have regarding your medical condition and follow your health care providers instructions.

About Health Net

Health Net, Inc. is a publicly traded managed care organization that delivers managed health care services through health plans and government-sponsored managed care plans. Its mission is to help people be healthy, secure and comfortable. Health Net provides and administers health benefits to approximately 5.3million individuals across the country through group, individual, Medicare (including the Medicare prescription drug benefit commonly referred to as Part D), Medicaid, U.S. Department of Defense, including TRICARE, and Veterans Affairs programs. Through its subsidiaries, Health Net also offers behavioral health, substance abuse and employee assistance programs, managed health care products related to prescription drugs, managed health care product coordination for multi-region employers, and administrative services for medical groups and self-funded benefits programs.

For more information on Health Net, Inc., please visit Health Nets website at www.healthnet.com[8].

This release contains links to other sites that are not owned or controlled by Health Net. Please be aware that Health Net is not responsible for the contents linked or referred to from this release. Links to other websites are provided for the users convenience. Health Net does not express an opinion on the content or the properties of such linked websites and disclaims any liability in connection therewith.

References

  1. ^ Health Net, Inc. (cts.businesswire.com)
  2. ^ HNT (finance.yahoo.com)
  3. ^ www.HealthCare.gov (cts.businesswire.com)
  4. ^ www.HealthCare.gov (cts.businesswire.com)
  5. ^ www.coveredca.com (cts.businesswire.com)
  6. ^ www.HealthCare.gov (cts.businesswire.com)
  7. ^ federal poverty level (cts.businesswire.com)
  8. ^ www.healthnet.com (cts.businesswire.com)

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  1. Reply

    Provide Some Health Tips, Home Remedies For Skin, Digestion, Bad Breath, Reduce Cholesterol Etc? Let me share with you what I have:
    ———————————————–

    Carrot + Ginger + Apple – Boost and cleanse our system.

    Apple + Cucumber + Celery – Prevent cancer, reduce cholesterol, and improve stomach upset and headache.

    Tomato + Carrot + Apple – Improve skin complexion and bad breath.

    Bitter gourd + Apple + Milk – Avoid bad breath and reduce internal body heat.

    Orange + Ginger + Cucumber – Improve Skin texture and moisture and reduce body heat.

    Pineapple + Apple + Watermelon – To dispel excess salts, nourishes the bladder and kidney.

    Apple + Cucumber + Kiwi – To improve skin complexion.

    Pear ( without Alcohol ) & Banana – regulates sugar content.

    Carrot + Apple + Pear + Mango – Clear body heat, counteracts toxicity, decreased blood pressure and fight oxidization .

    Honeydew + Grape + Watermelon + Milk – Rich in vitamin C + Vitamin B2 that increase cell activity and strengthen body immunity.
    Papaya + Pineapple + Milk – Rich in vitamin C, E, Iron. Improve skin complexion and metabolism.

    Banana + Pineapple + Milk – Rich in vitamin with nutritious and prevent constipation.

    View Comment
    1. Reply

      HEALTH TIPS

      To avoid diseases like hepatitis and Typhoid, eat 5 basil leaves everyday.

      For tooth ache, keep a clove on the affected area.

      Have a mixture of gingelly oil and egg, for 3 days, for menstrual disorders.

      You will get a great relief from menstrual pain , if you have a gooseberry daily.

      Boil the leaf of Malabar nut, squeeze its juice and add egg white. It subsides cough.

      Eat the powder of dried ginger and cumin with sugar for relief from cough.

      Have the mixture of mustard paste and honey for good relief from cough.

      For a good relief from cough, mix equal quantities of basil juice, honey and ajwain juice and drink on an empty stomach.

      Are you suffering from urinary infection? Drink a glassful of water with a pinch of cardamom powder.

      Chew some cumin and sugar for relief from stomach pain.

      Have a mixture of lemon juice and honey when you are suffering from cold.

      If you have bad breath, drink at least five glasses of water in the morning.

      Stop nose bleeds by putting a few drops of pomegranate juice into your nostrils.

      For nagging cough and chest congestion, boil 3 cups of water with 2 fresh betel leaves and 4 crushed peppercorns, till the water is reduced to half. Strain and drink every morning and night with a teaspoon of honey.

      For relief from toothache.. Take two basil leaves, a grain of salt and a pinch of pepper powder and press against the affected tooth.

      For minor rashes on the skin.. add few basil leaves in your bathing water before you bathe.

      To get a fair baby, Mothers can drink saffron added to milk during pregnancy.

      For fever and cough of children, give some honey mixed with water.

      The juice of carrot and tomato, mixed with a little honey is good tonic for children.

      A teaspoon of the powdered pomegranate skin taken with water early in the morning will not only purify the blood but also will serve as a good de- worming agent

      Chewing raw guava leaves is an excellent quick fix for diarrhoea

      If you are suffering from acidity, drink a glass of water with a piece of jaggery dissolved in it, after meals.

      Drink basil water everyday, it helps in keeping throat infection and cough at bay.

      For good Health

      Add vegetables and fruits in your diet chart.

      Drink 12-16 glass of water daily.

      Avoid excess eating of fried things.

      Try to buy meat which contain less fat.

      Avoid excess sugar in tea and coffee.

      Slice vegetables into big pieces, so that it won’t loose vitamins.

      …………………………………………………..
      Body care

      Mix six-teaspoon petroleum jelly, two-teaspoon glycerin and two-teaspoon lemon juice. Apply this moisturizing lotion at least twice a week if you have dry and flaky, arms and legs
      Peel and grate a cucumber. Squeeze the juice to this, mix half-a-teaspoon glycerin and half-a-teaspoon rose water. Apply this on sunburns, leave it for some time.
      If you have cracked heels, melt paraffin wax; mix it with little mustard oil and apply on the affected area. Leave it overnight. After 10 or 15 days, your heels will become smooth.
      Massage your body with a mixture of coconut oil and any of your favourite scented oils like lavender or rosemary.
      For rough palms, use a mixture of glycerin and limejuice in equal proportion.
      For cracked heals, massage the foot with coconut oil and keep the foot in warm water for some time. Wipe the water off the feet and apply a mixture of hibiscus flower(10), Henna (1 handful) and juice of half a lemon. when dry wash it off.

      Remove scars on your hands and feet by rubbing them with lemon peel.

      Eye care

      Dip wads of cotton in a chilled mixture of cucumber and potato juice. Keep this on your eyelids for 15 to 20 minutes and gently wash it off. Apply a little baby oil.
      For long eyelashes.., apply a thin coat of castor oil every night. It strengthens lashes and cools your eyes.
      Massage a few drops of coconut oil around the eyes to get rid off dark circles.

      To reduce puffiness of your eyes, grate a potato; tie in a cloth and place the cloth over your eyes for about 15 minutes.
      Add a small pinch of salt in water and wash for bright and sparkling eyes.
      Mix tomato juice and lemon juice in equal quantity and apply around the eyes. After 30 minutes wash it off with cold and hot water alternatively.
      Make a paste of sandal wood and nutmeg. Apply the paste around the eyes before sleeping and wash it off in the morning.
      Crush a cucumber and take the juice. Add a little rose water and apply around the eyes and wash it after 30 minutes.
      Place cotton wool swabs dipped in cold milk on closed eyes for removing dark circles.

      Lip Care

      You can mix one-tablespoon cranberry sauce juice with two tablespoons Vaseline for a delicious home made lip balm.
      Apply the juice of lemon skin for avoiding black colour of lips
      Massage your lips with coriander leaf juice for soft and rosy lips.

      *Sorry I forgot the name of this Indian site ! ! ! !

      View Comment
  2. Reply

    What Are Some Health Tips? Or healthy habits/things to do?

    example: exercise, drinking lots of water….etc.

    View Comment
    1. Reply

      Health tips…hmmm….
      never pet a rattle snake o.O’

      lol ^^

      im not really a health nut, but i guess to key words would be “discipline” and “balance”
      imply both of these factors to eating and exercising, and you’ll be fine ^^ .

      though..as i said..though i try to keep fit to a certain extent…im no health fanatic :p. so..perhaps my words isnt the best…

      View Comment
  3. Reply

    What Are Some Good Health/fitness Tips? Im a fourteen years old and i been trying to lose weight for a month and only loss two pounds and i want to lose a lot of weight before the summer ends (seven weeks)

    View Comment
    1. Reply

      TIP 1. Study.
      Your body has no choice but to follow your brain. So, you should feed your brain a steady diet of good information if you want to be all you can be. It’s YOUR body and it has to last a lifetime so it’s worth the investment. Don’t ask questions of random strangers with no credibility in this or other online forums. Use high quality resources for information instead. The basic principles of health, fitness, and nutrition are not that difficult or hard to understand.

      Avoid the internet unless you’re using trusted sites in dot gov or dot edu domains. The dot coms are usually driven by profit motive and you’ll find bad information in most websties including WebMD, Livestrong, Bobybuilding.com, etc. and especially in this forum and others like it. And, avoid magazine and other cheap commercial informational products about fitness, glamour, muscle building, fashion and fads. Don’t be part of the “herd” unless you want to look, feel, and perform like the “herd”.

      Use books, especially late edition text books on subjects such as nutrition, anatomy, kinesiology, and physiology…especially exercise physiology. You can find excellent information resources at your local public or Uni library or for sale cheap online at Amazon.com and Ebay.com.

      Always follow the science. Use critical thinking. Be skeptical and do not believe anything without cross checking it with trusted sources. Grow your personal knowledge base and everything else will follow with relative ease.

      You have one body and it has to last a lifetime. It’s worth the investment to learn how to care for it properly.

      TIP 2. Don’t micromanage
      Your body is a work in progress. You won’t have your adult body for almost a decade. Don’t try to make changes which may go against nature while nature is developing you physically. Sure, everyone wants to be svelte and fit and so should you. However, you don’t want to try to lose fat, for example, when your body is trying to build muscle unless you are very much over weight. Trying to reduce body fat to 15%, for example, can inhibit the growth of muscle and important tissues. You at the age where eating disorders begin to manifest themselves so avoid obsessing about food, fat, and body image.

      TIP 3. Eat a good and proper diet
      This is easy said than done. Learn to read and understand food labels, count calories, manage macro nutrient ratios, etc. You are what you eat and your long term health and well being are very much dependent on your ability to eat properly for now and the rest of your life.

      TIP 4. Exercise
      Exercise does not have to be work. It can be dancing or walking or swimming or anything that involve low risk, a wider variety of motions and muscle contractions, and elevates your heart rate to 80% of max where max is 230 – your age and sustains it at that level for 20 minutes several times a week. And, build muscle too. Only muscle offers all of the following.
      • Stronger bones & increased mineral density (osteoporosis protection)
      • Stronger body & musculature (improved protection from injury)
      • More robust organic and systemic fitness (more survivable in crisis)
      • Improved cardio-vascular function (better than “cardio”)
      • Higher basal metabolic rate (~5-50 cal/day/pound of muscle)
      • Easier fat loss (more efficient lipid consumption)
      • Greater calorie consumption (prolonged afterburn)
      • Supports body sculpting (hypertrophy)
      • Slows natural loss of muscle mass (sarcopenia) over age 30
      • Minimal wear & tear (low risk)
      It only take a couple of hours of hard work to build strength.

      TIP 5. Be happy
      Manage your stress. Keep your reactions in proper proportion, your negative emotions in check, and don’t be a drama queen. Do those things which bring you happiness.

      TIP 6. Use this website.
      Be sure to bookmark it and use it. It’s been recommended by the people your doctor listens to, US National Institute of Health, and has tons of information about your growing and changing body. –> http://teenshealth.org/teen/

      Good luck and good health!!

      PS: Here are some good websites you may find useful.
      • A MUST FOR DIETERS http://www.freedieting.com/
      • BEST DIET TOOL ON THE WEB http://www.myfitnesspal.com/
      • BEST FOODS FOR YOU http://www.choosemyplate.gov/index.html
      • NUTRITION DOT GOV http://www.nal.usda.gov/food-and-nutrition

      View Comment
  4. Reply

    I Need Dieting/Health Tips? I am only a teen, and I’m trying to train for soccer, but I need help with my diet. I don’t like ANY fruits or vegetables. I also don’t like any beef. The only meat I eat is turkey and chicken. I am a bit addicted to junk food also. I always try foods like fruits and vegetables, but I just can’t get myself to eat them. I workout a lot, so Im not overweight, but Im really concerned with how my diet is effecting me with my stamina and all. Do you have any tips on how I can eat healthier and get my body healthier? For example: If I were to squeeze the juice out of fruits and drink that with no added sugars or anything, or drinking vitamin water or whatever. Please help! Thanks

    View Comment
    1. Reply

      Perhaps you could try The Great Australian Diet discussed below.

      Created by Australian health guru Dr John Tickell, the Great Australian Diet is touted as a return to natural foods and natural eating patterns. Tickell, an obstetrician turned sports medicine specialist, claims that after travelling the world and studying foods, he has discovered several simple rules which can help anyone lose weight healthily.

      He describes the Great Australian Diet as “anti-Atkins, anti-CSIRO” and emphasises the importance of carbohydrates in the diet, saying that the “two most important foods we eat -fruits and vegetables- are carbohydrates”. Dr John also criticises the low GI diet because, he says, it frightens people off eating carbs.

      The Great Australian Diet is actually rather complicated, and may not be as easy to follow as Dr Tickell seems to think. First of all, he replaces the glycemic index with the HI, or ‘Human Interference’ factor. This means that foods which have been highly processed, such as salami, white bread and white rice, are considered unhealthy, and are replaced by unprocessed alternatives- raw and lightly cooked vegetables, fish, especially deep water fish and sardines, and small amounts of lean meat. 2/3 of the diet should be composed of vegetables and fruits, and 1/3 ‘bonus’ foods, which are essentially lean proteins, and after the initial two day cleansing period, which is very low calorie, 15 different types of plants should be eaten every day.

      Since no calorie guidelines are given, and only vague instructions to eat 4 or 5 nuts and so on, this may be the downfall of many dieters. After all, its pretty easy to forget how many nuts, seeds and grains you have eaten. It may also be hard for people on busy schedules to keep to such a demanding diet, since eating out is restricted really to grilled fish and an occasional steak and vegetables.

      But the Great Australian Diet is much more than just an eating plan. Dieters get points for watching the sunset, hugging their children and other ‘coping’ activities, and use gentle exercise techniques to strengthen trunk and arm muscles. Walking is also part of the diet, which claims over 91 days to re-educate the body into natural rhythms. One of the selling points for me at least, is the resting weeks- after each three weeks on the diet, there are two weeks when you are allowed to eat freely, and recuperate. However, although it seems pretty healthy, the Great Australian Diet is never going to be voted easiest diet of the year.

      You can see further details in http://au.search.yahoo.com/search?p=%22the+great+australian+diet%22&fr=ush-ans

      View Comment
  5. Reply

    What Are General Health Tips? What type of diet, how much sleep, how much exercise, etc.

    don’t tell me it depends on the individual because i’m looking for general tips for everyone

    View Comment
    1. Reply

      8 hours of sleep each day minimum

      play ball or sport 3 times a week. you can also go to a gym and do some cardio [run or bicycle]. or go to a swimming pool. what i suggest is get a subscription to a local gym. that means you will go there every week.

      stay away from sugars, animal fat, or industrial food. eat lean foods : beef, turkey, chicken, brown rice, pasta, fruits, vegetables, olive oil. reduce coffee amount. get as much as fresh water as possible. that means bring a bottle of water with you all times.

      of course, if you smoke, it is the good moment to try stopping. let people know about your goals. if you drink hard alcohol, stop also. however, red and white wine is good for you so a glass once in a while is great, for these parties.

      eat slowly. if you eat too fast, try to appreciate what you eat.

      go to the countryside every 6 months.

      stay clean and shower everyday.

      laugh. smile. jump. play like a kid every once in a while.

      have true relationships [true, scientific research shows that peace of mind is healthy for the body too]

      added today 17th: go to dentist every 6 months, and do a general health check with a doctor every year

      final point: scientific research shows that the only way to live longer is to eat less everyday [meaning you need to have that light hungry feeling after a meal] and sexual abstinence. I am not sure everyone wants that though, it is sure monks live longer, but it is “healthier” to live life at its fullest

      View Comment

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