Sunday, January 18, 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.

The plan also allocates a quarterly allowance of $125 single/$250 family to your HIA each quarter of a year. All funds in your account can roll over year to year and there is no roll over limit.

There are incentives to earn even more monetary awards to your account. They have healthy programs you can complete. You can stop smoking or take the weight management challenge to earn more. You can even earn $50 for completing an online Health Assessment.

One key factor to this plan is the importance it plays on preventive screenings. It pays for your annual preventative screening 100%. It covers the office visit, most screenings, including a pap test and even tons of immunizations.

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!

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 put your health insurance to work for you. Tell then you want to save money. Let them know you are interested in staying healthy and getting healthy and you want a plan that reflects that kind of life style. - 14915

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