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Disadvantages: From the viewpoint of the employee, group insurance coverage has a single wonderful limitation- the temporary nature of the coverage. If you do not have wellness insurance coverage and make less then about $21,000 a year, and are in between 18 and 64 years of age, you qualify for either no price or really low cost treatment. For these people who get the services of any of the Lumenos plans, these individuals will be offered access to the Blue Cross health management site- a nicely known well being management internet site. At times a higher premium may possibly be charged of probably a policy perhaps issued with special exclusions that limit the insurance company's liabilities in the case of any expenditures connected with the pre current situation. An added advantage of the assessment is to use it as a springboard for further conversation, helping the coach to delve deeper into the history of behaviors, current situations and the well being troubles at hand. You will miss out on such desirable offers if you don't keep a track of the new mediclaim plans on offer.

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