<div style="margin: 12px 0px; font-family: arial; color: #333333; background: #ffffff; border: solid 4px #e5e5e5; width: 100%; clear: left;"><div class="CM_CTB_Content_Wrap" style="margin: 0px; padding: 0px;background-color: #ffffff;"><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content.clipmarks.com/blog_embed/6074ba02-135b-436e-9774-be71e08c5f29/4751C361-1207-4D63-A1F3-D4B21149933F/" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://health-fusion.com/2009/05/how-to-pick-the-right-family-health-insurance-plan/" href="http://health-fusion.com/2009/05/how-to-pick-the-right-family-health-insurance-plan/" style="font-size: 11px;">health-fusion.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://health-fusion.com/2009/05/how-to-pick-the-right-family-health-insurance-plan/"><div align="center"><img src="http://content8.clipmarks.com/blog_cache/health-fusion.com/img/F9DEB17F-D298-4C99-9906-3570600C047C" alt="4007834_blog-stet1" /></div></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://health-fusion.com/2009/05/how-to-pick-the-right-family-health-insurance-plan/"><DIV> In a previous article, we introduced the reader to <A href="http://health-fusion.com/2009/05/introduction-to-health-insurance-plans/">basic concepts in health insurance</A> such as PPOs and HMOs. Here we try to answer how to use this knowledge to pick the most appropriate family health insurance plan.</DIV></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://health-fusion.com/2009/05/how-to-pick-the-right-family-health-insurance-plan/"><DIV> One challenge that exists for getting family health insurance plans is that it depends on each member’s medical history. This is referred to as ‘pre-existing condition’. A pre-existing condition is an illness or injury that the family member has been treated for in the past, before applying to the current insurance plan. Although certain providers have different rules, normally there is a waiting period before becoming eligible to receiving treatment for this condition. However, this also depends on the previous type of coverage one held before.</DIV></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://health-fusion.com/2009/05/how-to-pick-the-right-family-health-insurance-plan/"><DIV> Pre-existing conditions are a major factor in determining whether an insurance company will agree to cover one’s family, as well for the final cost, which depends on the risk the insurance company assigns to one’s family.</DIV></blockquote></div><div style="margin: 0px 6px 6px 4px;"><table style="font-size: 11px;border-spacing: 0px;padding: 0px;" cellpadding="0" cellspacing="0" width="100%"><tr><td style="background:transparent;border-width:0px;padding:0px;">&nbsp;</td><td align="right" style="background:transparent;border-width:0px;padding:0px;width:107px" width="107"><a href="http://clipmarks.com/share/4751C361-1207-4D63-A1F3-D4B21149933F/blog/" title="blog or email this clip"><img src="http://content9.clipmarks.com/images/c2b-foot.png" border="0" alt="blog it" width="107" height="17" style="border-width:0px;padding:0px;margin:0px;" /></a></td></tr></table></div></div>

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