Value Place eyes Sunport Hotel
Dallas’ Quanah Hospitality has acquired a 1.83 acre parcel at Mulberry and San Jose SE in Albuquerque with the intent to build a Value Place extended-stay hotel.
Mesa Capital names new CEO for ClingZ
Moritz Schlenzig of Mesa Capital Partners has taken over as CEO of Rio Rancho-based ClingZ Inc.
LANL pledges $2 million to United Way
Los Alamos National Laboratory employees have pledged a record $1 million in new donations to United Way programs in northern New Mexico and Santa Fe.
General Growth gets loan extension
General Growth Properties Inc., owner of Coronado Center in Albuquerque, New Mexico's largest covered shopping mall, has received a two-week extension on $900 million in mortgage loans that came due on Friday. (GGP)
Presbyterian considers more Westside land
Presbyterian Healthcare Services is on the hunt for additional land on the Westside of the Duke City and will most likely make a four acre acquisition early in 2009, according to Jim Jepson, administrative director of real estate at the hospital.
Inn of the Anasazi names new director
Andrea Gates has been named the new managing director of the Inn of the Anasazi in Santa Fe.
Dallas businessman to chair SBA board
A Dallas business owner has been named chairman of the regulatory fairness board for the region of the U.S. Small Business Administration that includes New Mexico.
Albany Int’l Corp. to waive $7.4M in Eclipse debt
Menands manufacturer Albany International Corp. has said it will have to waive up to $7.4 million in unpaid bills charged to bankrupt jet company Eclipse Aviation Corp. (AIN)
NRF reports Black Friday results
More than 172 million shoppers visited stores and Web sites over the Black Friday weekend, up from 147 million shoppers last year. Spending in the West was below other parts of the country, according to the National Retail Federation’s 2008 Black Friday Weekend survey, conducted by BIGresearch. Discounters reported the most traffic.
Symphony cuts $200,000 from budget
Faced with a severely weakened economy, the New Mexico Symphony Orchestra is cutting more than $200,000 from its budget for the current season.


plans may look attractive at first sight, but not so good when take a closer look. They could demand more in deductibles, or exclude your personal doctor from their panel. So take your time to assess the plans and what they offer before you choose a health plan, and before you sin on the dotted line.

And when you're researching health plans, you might come across some terms that explain benefits of a plan for the self-employed person. These benefits are a great aid when it comes to selecting a suitable plan. But what do they mean?

HMO. This is a common phrase that is heard quite often. An HMO is a managed care plan. This does often cost a little bit less than a PPO (more about that next), but they are often more restrictive. Additionally, they are rated lower by most ratings. Most HMOs require that you have a primary care provider and then require that you are referred to specialists by the provider.

An alternative you could use, PPO, is not as restrictive. It allows you to consult any doctor on its considerably large panel throughout its network. This is especially helpful if you are taken ill while abroad. And it offers the option, at an additional upfront fee, to consult any doctor you want to ¡V even those not on the network. This is like an EPO, which differs in that it doesn't include doctors away from its network to the self-employed.

Co-Pay. A co-pay is the amount of money you pay up front. This usually ranges from $15 to $25. Another variation on the co-pay is to pay 20% of the bill until you meet your deductible, and then you pay nothing or a very small co- pay. Most plans specify a different co-pay for office visits than for emergency room visits and prescription drugs.

Deductible. This is the amount you pay from your own pocket. If you have a co-pay it does not count towards your deductible. Under a 20% plan, office visits count as part of your deductible. Health is similar to auto in that the higher your deductible, the lower your premium.

And having identified your health needs, make sure the benefits of the plan you choose meets them. Remember to check they include maternity care, consultations with chiropractors, and mental health professionals. And while getting something ideal for your needs may not be possible, you have a good chance of getting a health plan that is almost there, and meets most of your needs.

Article Source: Articles Beyond Better

About the author: Vlad Ehrsam is the chief writer at Full Info on Business, it's one of the webs most up to date Business sites, their free newsletter is well worth signing up for too.
Get your own completely unique content version of this article.

Here are some more insurance articles...