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	<title>Effective Health Insurance</title>
	<link>http://effectivehealthinsurance.net</link>
	<description>Your Guide to Effective Health Insurances</description>
	<lastBuildDate>Sat, 10 Jul 2010 05:26:59 +0000</lastBuildDate>
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		<title>Disability Overhead Insurance</title>
		<description><![CDATA[
For business owners, iti s important for them to know that they can also buy disability overhead insurance to cover the expenses of their business while they were not able to work.    A standard level of disability income protection is offered through the Social Security Disability Insurance (SSDI) plan for capable workers [...]]]></description>
		<link>http://effectivehealthinsurance.net/general-information/disability-overhead-insurance/</link>
			</item>
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		<title>Disability income insurance</title>
		<description><![CDATA[
Disability income (DI) insurance pays benefits to individuals who lose their ability to work due to injury or illness. DI insurance replaces income lost while the policyholder is unable to work during a period of disability (in contrast to medical expense insurance, which pays for the cost of medical care).[54] For most working age adults, [...]]]></description>
		<link>http://effectivehealthinsurance.net/general-information/disability-income-insurance/</link>
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		<title>Consumer-driven Health Care</title>
		<description><![CDATA[by: Djai Tanji
Consumer-driver Health Care or CDHC is commonly used in very big companies and is expectedly be acquired by small companies in time. CDHC is based on a belief that people should be directly involved in managing the costs of their health care and in return would make them wiser in making decisions about [...]]]></description>
		<link>http://effectivehealthinsurance.net/general-information/consumer-driven-health-care/</link>
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		<title>Accident Insurance</title>
		<description><![CDATA[
Franklin Health Assurance Company was the first company ever to offer Accident insurance in the U.S.  Founded in 1850, this firm offered insurance against injuries due to railroad and steamboat accidents.  Sixty organizations had been offering accident insurance in the U.S. by 1866, but then these companies just went off.  Then from [...]]]></description>
		<link>http://effectivehealthinsurance.net/general-information/accident-insurance/</link>
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		<title>History of Health Insurance</title>
		<description><![CDATA[
For those who have totally no idea what health insurance is all about, here&#8217;s a primer straight from Wikipedia:
Before the development of medical expense insurance, patients were expected to pay all other health care costs out of their own pockets, under what is known as the fee-for-service business model. During the middle to late 20th [...]]]></description>
		<link>http://effectivehealthinsurance.net/general-information/history-of-health-insurance/</link>
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		<title>Disability Insurance</title>
		<description><![CDATA[
A person takes out a health insurance mainly to cover his needs in case he has a medical emergency.  However, sometimes, very little thought is given what happens if that medical emergency makes an individual temporarily unfit to work.  Making disability insurance coverage part of your health insurance package will for a certain [...]]]></description>
		<link>http://effectivehealthinsurance.net/related-topics/disability-insurance/</link>
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		<title>Hospital Indemnity Insurance</title>
		<description><![CDATA[
Here&#8217;s another 101 for those who need more info on insurance. Yes, also straight from &#8216;ol Wikipedia.
Hospital indemnity insurance provides a fixed daily, weekly or monthly benefit while the insured is confined in a hospital. The payment is not dependent on actual hospital charges, and is most commonly expressed as a flat dollar amount. Hospital [...]]]></description>
		<link>http://effectivehealthinsurance.net/general-information/hospital-indemnity-insurance/</link>
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		<title>Health insurance in the United States</title>
		<description><![CDATA[
The term health insurance is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government.[1] Synonyms for this usage include &#8220;health coverage,&#8221; &#8220;health care coverage&#8221; and &#8220;health benefits.&#8221;In a more technical sense, [...]]]></description>
		<link>http://effectivehealthinsurance.net/general-information/health-insurance-in-the-united-states/</link>
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		<title>Classifying Health Insurances</title>
		<description><![CDATA[
The United States Census Bureau generally categorizes coverage of health insurance either as Government of Non-Government (Private) sponsored.  However, under these two general classifications are sub-classifications which are more specific in nature.
Private-sponsored is one provided by a commercial private insurance company mostly purchased by the employer, union or the individual himself.  Under this [...]]]></description>
		<link>http://effectivehealthinsurance.net/general-information/classifying-health-insurances/</link>
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		<title>Benefits of Health Insurance Coverage</title>
		<description><![CDATA[by: Djai Tanji
Like other kinds of insurance, health insurance protects you against unexpected expenses. In the long run, having health insurance coverage will save you money. Accidents or illnesses can happen any time and we all know that medical costs are very high, by getting yourself a premium, you might save yourself thousands of bucks [...]]]></description>
		<link>http://effectivehealthinsurance.net/general-information/benefits-of-health-insurance-coverage/</link>
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