Wednesday, January 28, 2009

A New Kind of Health Insurance

By Jeff Cline

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.

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.

Have you thought about taking control of your weight? How about throwing out the tobacco? Will they have programs that can earn you dollars in your account if you complete. And you earn your first $50 just for logging on to do an online assessment.

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!

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?

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.

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