Say YES to Life!

heal your body

FREE OverHall IT! E-Zine



home | about | heal your spaces | heal your body | coaching | events | book janet | blog | shop | contact

Puzzled by Your Insurance Coverage? 
Let's OverHall the Pieces!

by: Janet L. Hall

(A special note to those of you that live outside of the United States.  It would be  impossible for me to try and cover all types of health insurance and coverage that is offered around the world.  I do hope this article will help guide you as to what you should be looking for in your area of the world when it comes to health insurance. ALSO - I wrote this article in 1999 and many things have changed however I believe you'll still find the article interesting.)

Health insurance, you either have it or you don't.  But wait a minute.  Even if you have health insurance you might not have it, meaning, you might not have the coverage you'll need for your particular illness or injury.

If you work for a company, chances are they offer what I like to call * boiler plate insurance *.  Take it or leave it.  If you’re self-employed, chances are you can get the coverage you want but you also end up paying * big time * for it if you don't understand the products and options available in the market place.

A friend told me about a female executive she had met who knew nothing about her family's insurance coverage because her husband handled all * that *.  She woke him up one night asking him if their insurance covered them if they should get Alzheimer's.

He tells her, "Yeah, we’re covered, go back to sleep and stop worrying."

But she wasn't so sure if he really knew and thought she had better find out exactly what their insurance covered.

What exactly does your insurance cover?  More importantly, what DOESN'T IT COVER?  You need to know and understand what your plan covers BEFORE you need to use your insurance.

I don't claim to be an insurance person but I have done some research and here is a sampling of what I have discovered.

You've got PPOs, POSs, HMOs, and COBRA.  You've got Indemnity or Fee-for-Service plans and Government run plans such as Medicare, Medigap or Medicaid.  Then there's Disability, Hospital Indemnity, Long-Term Care, and Nursing Home Plans.  Let's not forget Dental and Vision!

You want and need to have health insurance to protect yourself and loved ones from financial disaster if you or they should fall into an illness or injury!

So I'm writing to urge you to get out your health insurance policies and take a good look at them.  See if your policies need an * OverHall *.  Call the provider if you don't understand something or you have a question.

Get the family together for an hour or so and talk about the coverage you currently have and write down any questions that come up.

Listed below are several questions and answers I came up with:

1.  Do you have a choice in the type of plan?

2.  Should both spouses carry their company's plan or just one plan?

3.  Which is the best plan for you?
Find out your family's health history to help you determine what type of coverage you should be looking at.

4.  Should you get or be concerned about Long-Term Health Care?
Depends on your family history and your finances.  It is suggested that you should start thinking about this type of insurance when you are in your 40's.  However, the premiums are lower the younger you are.  Also, check with your accountant about this type of insurance as the premium cost * could be a possible * deduction on your Federal Tax Form.

5.  What about Disability Insurance?
This is also know as Income Replacement Insurance if you should become disabled (NOT the same as Worker's Compensation if you get injured on the job).

6. Should I get a Medical IRA?

7. Are there any Federal Laws concerning Health Insurance?
Yes!  Let me list but two:

a.  Employers with 25 or more workers are required to offer employees the chance to enroll in an HMO.

b. COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) requires if the business you work for has 20 or more employees and you leave your job or are laid off that you can continue to get health coverage for at least 18 months.

If you don’t have insurance, find out if you qualify for any state or government run plans or do some research to find out what type of insurance you need and can purchase.

The best site on the internet I found while researching health insurance is by the Agency for Healthcare Research and Quality (formerly know as the Agency for Health Care Policy and Research).    On their site you can find a 14 page article, * Checkup on Health Care Insurance Choices * that includes a checklist and a worksheet for you to use.  Click on

They also have a very informative article, * Choosing and Using a Health Plan * at

As you can see, there are a lot of pieces to the insurance puzzle.  Now it's up to you to take the time, make the time, to find all the pieces you and your family need to complete this * crazy * puzzle!

Janet is a Professional Organizer - Certified , Certified Pyramid Feng Shui Practitioner, Speaker, and Author and can help you regain control of your life, your time, your stuff, and your environment. FREE newsletter, OverHall IT! at 

Copyright (c) 1999-2010 OverHall Consulting
P.O. Box 263, Port Republic, MD 20676
All Rights Reserved. Permission is granted to reproduce, copy, or distribute so long as this copyright notice and full information about contacting the author is attached.

Your Recipe for
a Richer and Simpler Life

Let's begin and explore ...

1st Ingredient:
Heal Your Body

When your body is tied up in knots, your health is failing, you'll full of dis-ease, aches, pains or overweight it's difficult to begin a new life ...
let's change that today

2nd Ingredient:
Live in the Now

When you're 'busy as a bee' or living in the past or future; you have no time to just be, have me time, and enjoy your days ...
let's change that today

3rd Ingredient:
Change Your Beliefs

Your negative attitudes, other's beliefs, and false or out-dated beliefs can paralyze you into not living your divine life on purpose ...
let's change that today


Say YES to Life! Individual Coaching


Are you tired of just going through the motions of life and ready to REALLY live and experience your life fully

Then Let's Get Started!


4th Ingredient:
Dream Your Dreams

You can't manifest what you want in life, walk your life's path, or live your dreams if you don't know what they are ...
let's change that today

5th Ingredient:
Heal Your Spaces

Overwhelm and dis-ease sets in when the environment you live or work in is full of clutter, and negative energy ...
let's change that today

6th Ingredient:
Live on Purpose

You are now ready to complete your new life and spaces that will support you with harmony, balance, peace, abundance, health, love, and joy ...
let's do that today

Say  YES to Life! Group Coaching Programs

Are you tired of just going through the motions of life and ready to REALLY live and experience your life fully

Then Let's Get Started!




Janet L. Hall
P.O. Box 263
Port Republic, MD 20676
Email Janet
Copyright © 1999-2010

home | about | heal your spaces | heal your body | coaching
events | book janet | blog | shop |
contact |

Site Designed and Maintained by:

Kick Start Web Sites

The Place to Call When You Need Help!

All Rights Reserved. Permission is granted to reproduce, copy, or distribute any articles by Janet L. Hall or pages on this website so long as article (s)/page (s) are kept intact,  this copyright notice, and full information about the author (or authors) is attached.

Janet Hall is an educational provider and coach and is not a licensed health professional. Please consult qualified health professionals before putting any energy testing/medicine into practice for yourself or others.

Links Disclaimer: "This site contains links to other Internet sites. These links are not endorsements of any products or services in such sites, and no information in such site has been endorsed or approved by this site."