Why I need health insurance?

I need health insurance. Because I want to keep me and my family free from disease and if it caught then want to have an early coverage. Actually health insurance is a smart thing that every person should have a membership from a reliable health insurance. Many of us ask this question that “why I need health insurance. The answer is: you need health insurance to let your life going on smooth path without facing any health trouble.

Once upon a time people use to maintain their personal doctor and this was not possible for all sections of people. Ancient time the personal doctor of a family was the responsible person to look after the health problems for those families. The families paid a fix amount at the end of the month to the doctor. That family doctor maintained regular checkup for every persons of the family. He was a call and bound to the family.

If there needs any urgent help from the doctor then he was ready to visit even at midnight. Whatever, the treatment procedure was not so developed that time. Transportation was weak. So why, it was a complicated thing that if there need a patient’s urgent transfer to the hospital, there was a strong possibility to see the patient died in the mid way. Moreover, the patients had reached to a serious condition due to taking too much time for bad communication.

Now have a look on the modern health plan. Now a day it is a common trend to have a membership from a renowned insurance company. You can compare this with the ancient personal family doctor. Today ruined the ancient trend to have a personal doctor only. Today we see that having a membership from an insurance company will allow you not only a personal doctor but also wide range service coverage from a strong network.

Reasons why you need a health insurance

Why I need health insurance? It has many reasons. You may be a job holder, employee, student, parent or a business magnet. Under your organization lots of employee could be worked. You should ensure their health coverage as it is a right for that employee. Other hand you may be a father or mother and you have child and now you are thinking about their health. Ensuring their health you need to spend much time but you really have no time enough to serve them care. You could be so busy that your child missing health support as they need to see a doctor, checkup and other health support.

You may not have time to admit your child in a good hospital, you could feel worry to find out a reliable doctor. That’s why I need health insurance. All of your health trouble will be solved by the health insurance company as they are dedicated to cover all of your needy aspect in those issues.

Having a health plan from a health insurance will reduce your mental pressure in health care arrangements because they are fully responsible for any medical arrangement like hospital arrangement. Having a plan from them will allow you to have a personal doctor and wide network coverage along with medical drug prescription and many more.

GHI health insurance could serve the best about your health care expectation with giving all the above service described. You can also search for other health insurance provider for the best health care service.

Why should have a Health insurance plan

A health insurance company is a responsible and dedicated service provider in health sector who provides plan and the plan holder get the health benefit without any difficulties. Health insurance plan is the main keyword in this sector as it runs through these plan structure. Every health insurance company has its own plan category for their policy holder and it differs from the benefit of other. Sometimes they arrange a customized plan as their policy holder demand.

As a member of an insurance company you should have the plan first what you demand. Then you will be eligible for the particular plan as it scheduled for you. You have to pay for the plan you are going to take and then they will available to you as a health care service provider to make you free from taking any response in this sector.

Most of the USA people are now involve in health insurance as it is a first basic demand and having a Health insurance plan will keep them relief to get necessary stuff.

Types of health insurance plan:

Health insurance plan has many types. It is vary in clients demand and the insurance provider service. A insurance provider arrange the needy health issues for a plan what can be effective for the policy holder in order to get urgent health services. Insurance companies have many plan outlines. For example: they can provide you sole proprietor and group plan, plan for city, State, and Federal members, plan for Labor Unions, Higher Education, Individuals and families, Medicare plans, Child health program, pregnant women care plan, mother care, NY bridge plan, Old people care plan and many more for health care. All sections of people could be covered through these plans as it designed after thinking and research about the client need in health sector.

So it doesn’t matter that how many plans an insurance provider has because they are quite concern about peoples need for health care. Health insurance plan types are provided by the insurance company if you have a visit in their customer service. Tell them about your demand and needy points and the representative of the insurance companies could show you a path to select the best plan what will be beneficial for you, your family or even for your business purposes and other officials.

How it benefits you having a health insurance plan:

• By choosing a health plan from reliable health insurance you may able to manage all of your health needs.
• Health insurance will arrange your medical care in emergency
• They are dedicated to ensure your medical treatment along with prescribed medicine
• Any kind of emergency need, they will arrange your hospital.
• They have provided your physician or doctor who is responsible for your basic health suggestion and other checkup.
• If you need any diagnostic experiment then they will provide you these services like X-ray, blood test, radiotherapy, ECG, and many other services.
• Health insurance plan will allow you to get covered by their wide range coverage with dependable services

Before having a health insurance plan you should go for a brief discussion and query for the plan and then you can have a reliable health plan.

Group Health Incorporated (GHI) Insurance

GHI Insurance means Insurance by Group Health Incorporated. GHI stands for general health insurance. GHI has the biggest plan in health care and medical support. GHI Insurance is especially for the peoples of New York, USA and this insurance company was built in 1937 by the association of Group Health. For all the New Yorkers, GHI is a great legacy company to let them care for their health and money. GHI Insurance also known as Emblem Health Company where the Stuart H. Altman, Ph.D. is acting as Vice Chairmen, Richard Berman as President and CEO, Frank J. Branchini as President and Chief Operating Officer and James F. Gill, Esq as Vice Chairmen of this Company.

Emblem Health, Inc., through its companies Group Health Incorporated (GHI) and HIP Health Plan of New York (HIP) is providing effective and quality health care coverage and administrative services to 2.8 million people approximately.

GHI Insurance Plans service area

GHI Insurance To get benefited from GHI, you must live or work in its service area. GHI service area is: all of New York and the New Jersey counties of Bergen, Essex, Hudson, Middlesex, Monmouth, Morris, Passaic, Somerset, Sussex and Union. If you or a covered family member move outside of GHI’s service area, you can enroll in another plan. You should consider enrolling in a plan of fee-for-service or an HMO that has the agreements with affiliates in other areas. You do not have to wait until open season to change plans, if you or a family member move, then contacts your employing or retirement office for the concern.

Who provides your health care?

A medical provider who should have agreed to limit fees to the allowance of GHI and should await payment from GHI. This provider must be notified by the subscriber before service is rendered where GHI is the insurer. A medical provider who does not take part has no agreement with GHI and doesn’t have to accept GHI payments as full payment. If you use the services of a non-participating medical provider then. Only 50% of GHI’s approved allowance will be paid to you. The plan’s full medical/surgical fee schedule services covers the non-participating diagnostic laboratory facilities, x-ray facilities, and anesthesia services. Payment will be less than actual charges. Moreover, you can’t divert your right to collect payment from GHI to other people, or other organization. Any kind of assignment by you will be void. You will be given a GHI medical/hospital /surgical identification card as well as GHI prescription drug card when your newly enrolling in this Plan. Except drug benefits, the card can be used for all other services. If you need to be hospitalized, your specialist doctor will take the necessary steps like medical arrangements and supervise your care.

This health care and insurance company provide quality health care services and extensive services with having some specialized hospitals and clinics located at NY. They also have some personalized health care units, which are dedicated to provide their service to every member of this group by going one to one at the end of the day. Even if your wife has some pregnancy problems; a dedicated nurse will be there from GHI to be available to whom you can call anytime for getting instant treatment no matter where from you are and what the time it is in the late night.

GHI Insurance and its all related products are accredited by various famous and recognized accreditation companies like URAC and NCQA.

Available Insurance Plans from GHI

GHI Insurance is currently named as Emblem Health, which is offering various plans to choose according to your needs. Here is a list of plans that the GHI Insurance is meanwhile offering-

• Small Business Plan.
• Medium & Large Business Insurance Plan.
• Sole Properties.
• Individuals Insurance Plan.
• City, State & Federal Members.
• Medicare.
• Medical Supplement Insurance Plan.
• Some State sponsored programs like Medicaid, Child Health Plus and Family Health Plus.

What The Services GHI is providing to their Insurance Members?

GHI Insurance or Emblem Health Company is committed to provide essential and extensive health services to their Insurance subscribers. Here are some crucial things that really matter to any members of GHI in the sense of flexibility, affordability and where quality is emphasized like-

An online health directory where access is limited to GHI members to get step by step guide and clear instructions about the health problems they face and ways to get rid from it.

Processing of Claims is super fast on their network

Plans and services are decorated by thinking of the budgets and cost, and this is why members can choose any of the suitable plans for themselves according to their budgets and affordability.

24/7 working and active customer care agent to whom you can call anytime you want and solve your insurance or health problem instantly.

Locations & Other Information

The Corporate Headquarters of GHI is located at:
55 Water Street
New York, NY 10041,
Phone: 1-646-447-5000

Walk-in customer service center is located at:
441 Ninth Avenue
New York, NY 10001
phone: 1-212-615-0000

GHI Medicare Located at:
25 Broadway
New York, NY 10004
phone: 1-646-458-6600

Albany office located at :
80 Wolf Road
Albany, NY 12205
phone: 1-518-446-8000

Buffalo Sales Office located at:
77 Broadway
Buffalo, NY 14203
phone: 1-716-852-7722

Melville office located at:
395 North Service Road
Melville, NY 11747-3139
phone: 1-631-694-4000

GHI Insurance has various customer care services designed to provide specific care for specified services. They have dedicated customer care support for their Current Subscribers, Sales, Practitioners, Media Inquires and General services. To know the details please Click this link.

Official Website of GHI Insurance: ww.GHI.com. Check this site and find all of the specific info you were looking for.

Both an inpatient and outpatient hospital benefits program cover by GHI Alliance 365 Day Hospital. It’s network coverage is available in most New York hospitals and also available for more out-of-network hospital’s services. So don’t feel hesitate to have your GHI plan to ensure your medical health care to lead a stress less life.