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Insurance:Health Articles from

Published: Fri, 28 Apr 2017 01:29:06 -0500


Exchange Plans Wait to Price 2018 Policies

Tue, 18 Apr 2017 11:39:02 -0500

It could be an another cold day in Chicago, as we wait to see what the Trump Administration decides to do with the healthcare subsidies. A glimmer of hope for some of those receiving subsidies. The insurance companies are fearing for the worst. Brace for impact!

UnitedHealth Earns $1.7B Q4 - Good News for Shareholders & Bad News for Consumers?

Tue, 11 Apr 2017 12:52:50 -0500

UnitedHealth Group (UNH) had a banner quarter, as their 4th quarter earnings jumped to $1.7 Billion. Is this good news for UNH but bad news for healthcare consumers? With their stock currently trading at $165 a share, and total annual revenue approaching $200 billion, things are look good for UNH executives and shareholders. But what does this mean for healthcare consumers?

Small Employers Still Have a Chance to Save Money

Tue, 04 Apr 2017 14:40:19 -0500

The Affordable Care Act, also known as Obamacare, has confused many people lately. The massive increases for January 1st, 2017, has left many in a pickle. Employers are scrambling to find a solution, yet at a cost that could be as much as double their mortgage. This increase produces a financial strain on their family.

The Unique Challenges of Applying for Long-Term Disability Benefits When You Have Multiple Sclerosis

Wed, 29 Mar 2017 08:39:18 -0500

If you have been diagnosed with multiple sclerosis (MS), you should begin planning for the day when you will no longer be able to work. At this time, you will need to apply for long-term disability benefits.

How Smoking Impacts Your Health Insurance Policy

Wed, 15 Mar 2017 09:10:19 -0500

Smoking makes an adverse impact on your health and your health insurance policy as well. An insurance company will charge you a higher premium in proportion to the risk associated in providing a health cover. An important point to note that you should disclose all relevant information regarding your health and smoking habits. In case, you are found hiding or providing fake information, the insurance company may decline in settling the claims.

Replace and Revise Health Insurance

Sun, 12 Mar 2017 21:49:03 -0500

If the Trump administration truly wanted to repeal and replace healthcare with all the right intentions, then their main focus would not only be targeted at the American people. The administration should include and focus their attention on these type of organizations as well: the large pharmaceutical companies, healthcare providers and insurers.

The GOP's Health Plan Offers Little to Nothing for Most Americans, Only Schadenfreude for Democrats

Fri, 10 Mar 2017 07:54:25 -0600

Why do you suppose Republicans want to remove multiple sources of revenue that the existing Affordable Care Act obtains from health insurance companies and other health industry sectors which help to fund the Obamacare program? Silly - you know why! Because Republicans do not represent the underserved people whom this bill harms - they are owned by and thus represent big money and big business interests who will grow richer if the Republican bill is enacted into law.

NHS's Ever Increasing Waiting Times Are a Big Reason to Buy Private Medical Insurance

Thu, 02 Mar 2017 11:01:59 -0600

NHS long waiting queues and inability to offer breast cancer drugs to women is one of the biggest reasons for people shifting to private health insurance. Apart from saving people from long queues the private insurers also save them from missing out on treatments that are not offered by the NHS.

Do I Need Group Health Insurance For My Employees?

Tue, 21 Feb 2017 14:12:20 -0600

Group health insurance coverage for employees, is offered by companies to those staff members who are eligible, and close family members may also be included. This is naturally seen as a benefit of working for a company, and many employees will consider the health insurance package on offer, before they accept a position within a company.

The Necessity of Getting Diabetes Insurance Before It's Too Late

Tue, 21 Feb 2017 11:16:01 -0600

It is no more a hidden fact that, India is a global capital of diabetes. And in the coming days, things might get even bitterer.

Obamacare Gets It Right

Sun, 12 Feb 2017 22:27:46 -0600

Obamacare gets repeated, and often justified, criticism. But it does get one thing right. I should not have to pay for people who do not have insurance.

5 Tips To Choose The Right Health Plan

Wed, 01 Feb 2017 07:17:45 -0600

Most employers offer a health insurance plan to their employees. Since health insurance offers a lot of benefits, most employees opt for it to enjoy the medical benefits. Here are a few things that may help you choose the right health plan.

ObamaCare, An Epic Failure Indeed

Sun, 11 Dec 2016 17:06:15 -0600

President Donald Trump plans to have his administration work with Congress to "repeal and replace" ObamaCare. Our President believes that there are some good provisions in the law - no denial of health insurance for existing health issues and the ability for parents to keep their kids on their health plans well into their 20s. Sure, sounds good. Of course, the left doesn't want the right to touch ObamaCare and former President Obama is concerned that repealing the AHA - Affordable Healthcare Act destroys his leadership legacy - and maybe he's right?

Medicare Part C Can and Should Be Refocused for Zing, Zest and Zizzle: A New Role For Primary Care

Fri, 09 Dec 2016 08:10:45 -0600

A new role for primary care doctors who serve patients under Part C (Medicare Advantage) is described. It entails an expansion of the role from simply treating illness, injuries and medical concerns to one of coaching patients toward healthier lifestyles, with a focus on tracking and setting goals for exercise and fitness.

Pros and Cons of Critical Ilness Insurance Coverage

Tue, 18 Oct 2016 13:26:28 -0500

Critical illness insurance is a relatively new type of policy that is frequently misunderstood. Today, we will clarify what it is, and what it covers.

Important Points to Ponder Before Buying a Health Insurance Plan

Fri, 16 Sep 2016 11:06:12 -0500

A health insurance plan is an essential part of financial planning in this era of skyrocketing medical costs. Medical inflation has been aggravating at its full spree which makes it all the more important to buy a Health Insurance plan which could sponsor the hospitalization and medical treatment bills or expenses. It is important to evaluate and look for the following parameters to get a best health plan for you and your family.

Do Comic Book Superheroes Need Health Insurance?

Fri, 16 Sep 2016 07:22:50 -0500

Not all comic book superheroes are invincible. Would they need to consider getting health insurance?

Health Insurance Plan for Parents and Children

Mon, 12 Sep 2016 08:50:28 -0500

A health insurance plan that covers not only you but your whole family is a solid deal. In a single premium you get to cover up to 15 members of your family. Such comprehensive health insurance plan is called a family floater plan.

The Health Insurance Process - When the Patient Gets Stuck

Tue, 16 Aug 2016 14:55:58 -0500

Your aged parent falls, you cut your hand deep with a cooking knife, your son falls and breaks his arm. You call 911, right? You're not thinking about the costs of the ER at times like these.

Tips for Choosing the Right Insurance Policy

Wed, 06 Jul 2016 10:09:44 -0500

The old saying "Health is Wealth" denotes having good health is a lot more important that having plenty of wealth. Good health can help you earn efficiently and ensure you enjoy a quality life. A person with a bad health on the other hand, spends most of his money on treatment and doctor visits.

Do Your Homework to Minimize Denied Health Claims

Thu, 23 Jun 2016 15:17:37 -0500

You, as a patient, bear a responsibility to educate yourself on the specifics of your health plan. While most doctors complete insurance verification checks prior to rendering services, others may simply tell the patient "don't worry, your insurance will cover the charge".

Importance Of Health Insurance Portability

Wed, 01 Jun 2016 07:59:38 -0500

Health insurance portability is the manner through which a health insurance policyholder can transfer his/her existing policies from the current provider to a new one. Portability offers a way for customers to opt for better service and product. That way, an insurance provider cannot take them for granted.

Retiree Health Care Benefits Continue to Decline

Tue, 31 May 2016 10:47:32 -0500

Employer-based retirement health care insurance benefits continue to decline, according to recent industry reports. Many retirees have been able to rely on private or state employer-based retirement health benefits for supplemental health care coverage while on Medicare in the past, but this is becoming less common. Employer-based health-related benefits can provide important coverage for the gaps that exist in Medicare programs.

Protect With Dread Disease Cover

Fri, 27 May 2016 07:37:16 -0500

It is winter time in the Southern Hemisphere. Time for heaters, jerseys and of course the inevitable winter illnesses. All of us are susceptible to winter colds and flu, just as all of us are at risk of falling victim to a more serious illnesses or condition like cancer or a heart attack.

Critical Illness Coverage: One of Health Insurance's Best Kept Secrets

Thu, 19 May 2016 10:42:06 -0500

Health insurance premiums are on the rise and in an attempt to keep them low, more and more consumers are opting for plans with high deductibles. However, should a serious illness be diagnosed, that high deductible is going to come back to haunt many people. Critical illness insurance provides people with an option to help offset those scary deductibles, as well as some cushion for other expenses associated with an illness- copays, travel expenses, monthly bills- you name it, you can probably benefit with this plan.

Five Tips for Choosing the Right Health Insurance Plan

Fri, 06 May 2016 07:38:16 -0500

A health insurance policy will help you access certain medical services free of charge. However, you need to choose the best one to enjoy all the benefits.

Understanding Policy Clauses In Health Insurance

Wed, 20 Apr 2016 07:30:11 -0500

The clauses that are related to limitations and exclusions may seem complicated at first but it is crucial to understand these before signing up. There could be some exclusions and limitations that may not affect you or your family at all while some may be important depending on your health history and hereditary family history. So while what is excluded for one person may not make a difference, it might make a huge impact for another. That is why it is important to understand what these are and how they impact and relate to you as an individual and to your family in general.

What Is an SEP?

Mon, 11 Apr 2016 13:59:05 -0500

What are SEPs? Do I need one? I have been getting this question a lot lately.

Overcoming the Top Healthcare Revenue Cycle Challenges

Mon, 21 Mar 2016 07:19:07 -0500

Three of the top revenue cycle management challenges for 2016 are Medicare and Medicaid payments, claims denial and value-based payments according to industry experts. Identifying and collecting potential revenue at the earliest point possible is paramount to sustaining cash flow.

Getting Health Insurance Outside of Open Enrollment

Fri, 18 Mar 2016 10:59:20 -0500

Major medical health insurance plans are most widely available during the national Open Enrollment Period. Outside of this time frame, it can be difficult to get a major medical plan. However, there's an option that many people aren't aware of that can still offer them great coverage.

Difference Between Health Insurance And Mediclaim Policy

Wed, 09 Mar 2016 10:36:37 -0600

There is a lot of confusion in the public mind regarding health insurance and mediclaim policies. Many people falsely believe that both are the same. While mediclaim is definitely a health insurance policy, covering a wide variety of diseases, there are differences that set it apart from health insurance policies.

What Is the NHS?

Sat, 05 Mar 2016 14:16:43 -0600

To answer this question fully would require several extremely large volumes of written material including analysis and data as to the development of the health service in the UK. The point of the question, what is the NHS, is actually to provide a bit of background to the broader question of health insurance and health insurance costs, and who effectively pays for whatever type of health service is available where you live. The importance of asking this question about the NHS, is that it is often held up as being the ideal of what a publicly funded health sector...

Is Mental Health Covered Under Health Insurance?

Fri, 04 Mar 2016 10:09:54 -0600

For people who depend on any type of private or company insurance to cover the cost of their health needs, the question of whether or not the health insurance policy covers mental health problems is a crucial one for a number of reasons. The idea of a split between physical health and mental health is an old one, and is a fairly arbitrary decision as to which is which some of the time. From a point of view of health insurance, classifying illnesses or diseases can determine whether or not the insurance company will pay for them, and for...

Buying Health Insurance Through a Broker

Wed, 02 Mar 2016 11:08:33 -0600

In its most simple definition, a health insurance broker (also commonly known as an agent) is someone who is licensed to sell health insurance. However, there are many other services they provide you that fall under the umbrella of selling health insurance. Here are some of the most important:

Warning! Do Not Buy a Medigap Plan F

Tue, 01 Mar 2016 15:54:17 -0600

If you think my headline is a little dramatic, I promise it's not. The following information is critical to anyone considering a Plan F Medicare Supplement. Plan F has long been the most popular of the standardized plans, and it does have a purpose.

Obamacare Benefits Everyone, Especially Women!

Fri, 26 Feb 2016 13:37:46 -0600

With every passing year, Obamacare seems to receive more and more criticism from the masses. Politicians, health insurance carriers, medical professionals, and consumers all seem to have something negative to say. I'll be the first to acknowledge that Obamacare has its flaws, but in my line of work, I also see the many benefits that it provides multiple groups of people. I may be biased here, but one group that reaps many of the benefits is women.

Managing High Deductible Health Plans

Mon, 22 Feb 2016 11:32:07 -0600

With health insurance premiums constantly on the rise, more and more people are turning to high deductible health plans (HDHPs) to lower their monthly costs. This is perfect for keeping expenses low, but what happens when you actually get sick or hurt and need to use your health insurance? A $6000 deductible is tough to handle in the wake of an emergency, but there is a way to protect yourself from such a steep amount.

Still Doubtful About Buying Health Insurance?

Tue, 16 Feb 2016 15:36:28 -0600

Health procurement has been a major cause of concern and area of research for every civilization of the past and of the modern world. The evolution of medicines and courses of treatment is very diverse and dramatic. So much money and effort is being spent on research to find cure of diseases every year.

Primary Health Care For You And Your Family

Tue, 09 Feb 2016 07:43:57 -0600

Primary health care, also known as PHC, comprises of all the basic services that are offered to individuals and families for their wellbeing. So whether you need a general check-up or you have suffered from a twisted ankle, your first point of contact would be with one of these professional care-givers. They will help you with your lifestyle habits, manage chronic diseases and provide preventive measures to keep your body and mind healthy.

Some Key Facts When Buying Private Medical Insurance Schemes in the UK

Wed, 03 Feb 2016 08:01:05 -0600

It is the prerogative of the insurance buyer to find and understand the rights of policy holders before purchasing a personal medical insurance (PMI). It is important to read the terms and conditions of the policy document carefully and to know exactly what is not covered.

Guide to Individual Health Insurance

Tue, 26 Jan 2016 14:06:13 -0600

The new Covered California health insurance marketplace offers a wide range of affordable health plans for you to choose from. Whether you are self-employed, or looking for coverage over and above what your employer currently offers, there is a plan that will likely meet your needs.

Grasp How Health Plans Work - Part II

Thu, 21 Jan 2016 06:42:06 -0600

Some insurers have figured out this new model and are masterminding new designed plans that include high deductibles and also higher co-insurances to the degree many carriers are profiting. There are some carriers who have not profited so well with entering this new territory; due to the fact of miscalculating the risk involved with insuring people with chronic health conditions. For carriers who analyzed and targeted their profit margins accurately they are faring well in this market.

5 Keys to Choosing the Right Individual Health Insurance Plan

Tue, 19 Jan 2016 09:33:59 -0600

Health Insurance has become an integral part of modern life. There are several companies promising attractive deals at a reasonable premium. To make an informed choice and avert certain common traps, it is advisable to understand terms such as premium, deductibles and coinsurance.

"Have Not" Health Insurance

Tue, 19 Jan 2016 06:50:27 -0600

Here is an example of my experience with the current health care system. Technology has most certainly improved over the past several years. Why is it the health care is getting so much worse?Am I the only one dealing with a system that no longer works for me?

The Shift Towards Managed Care by Traditional Payers

Mon, 18 Jan 2016 11:58:55 -0600

In our country it is said that 48.8 million citizens have Medicare insurance while another 65 million have Medicaid ( Meaning a large amount of the citizens in the US depend on government assistance for health insurance coverage. This is why managed care has become more and more popular. Managed care limits the amount of healthcare one receives to be limited. These limitations prevent patients - as well as physicians - from over using healthcare funds, which in turn cuts cost.

All You Wanted to Know About Tata AIG Life Insurance

Thu, 17 Dec 2015 12:31:13 -0600

Tata AIG life insurance is a collaborative venture between the Indian company Tata and the American company AIG. The Tata AIG Insurance Company provides insurance to corporate bodies as well as individuals. Since its inception, the company has delivered trustworthy service in terms of providing valuable insurance advice to both corporate bodies as well as individuals making it one of the most well loved insurance companies in India.

The Taxing of Unaffordable Insurance On Middle-Class America

Tue, 15 Dec 2015 13:09:11 -0600

The Affordable Care Act is a piece of legislation signed into law in 2010. Over the past few years we have been learning how the law's mandates affect the individual and the insurance industry. Both opponents and proponents of the law fight for a cause they believe in, however, this article focuses on how the Middle-class American has become a forgotten footnote in the Affordable Care Act.

7 Keys to Choose the Best Medical Insurance

Fri, 11 Dec 2015 14:10:44 -0600

Technology is a boon in the modern days. It has made the buying process easy. We can now buy vegetables or even luxury items at the click of a mouse. Being humans, its common to browse the internet to compare the prices of an item that we intend to purchase which is available on different web portals. We look at the price difference, the customer reviews, the feature of the product, the discount offered, etc. before we buy that product either through a retail outlet or online. When it comes to buying insurance, we usually confer with our agents, check the internet for the prices and either go with our agent's solicited advice or buy it online. But are we making the right choice of product? Have we invested in the best available plan in the market? We surf the internet to look for the features of any product which we buy, but what happens when it comes to medical insurance? Do we know how to choose the best medical plan for ourselves which will promise us a financially secured future? Do you know the key points to consider before buying a medical insurance plan?

As Paul Harvey Would Say, This Is the Rest of the Story

Thu, 10 Dec 2015 08:37:23 -0600

As the late great Paul Harvey used to say, "I am Paul Harvey, and this is the rest of the story." I am reading in the Chicago Tribune that the health insurance rates for 2016 are going up an average of 6.1% in Illinois. It also says the national increase is 7.3%. Now these are based on the second lowest price Silver plan which is generally one of the most popular plans.

How to Fix Obamacare

Thu, 10 Dec 2015 08:36:33 -0600

What we have seen so far under the Affordable Care Act, are fewer choices, some companies in some markets eliminating the Preferred Provider Organizations (PPO). Some carriers have narrowed their PPO networks, we have had plans cancelled, doctors and hospitals lost, mergers and consolidations of both insurance companies and hospital groups. Those in the middle class who do not receive subsidies have had to encounter higher premiums.

The Evolution of A Health Insurance Firm

Fri, 04 Dec 2015 10:51:55 -0600

Everybody knows that medical insurance protection has altered over the past numerous years, however there are still many individuals who do not yet realize the complete impact of the Affordable Care Act, also referred to as Obamacare. One of the industries that have been significantly affected, is the health insurance industry. Ever since Henry Kaiser executed health insurance for his employees in the 40s and Equitable Life offered the first group health insurance policy about the exact same time, we have been covered for the costs of seeing the doctor and going to the hospital by personal...

Men and Medicare: What You Should Know

Wed, 02 Dec 2015 10:57:34 -0600

In the coming year, more than 1.6 million American men will turn 65. For many men this means entering the world of Medicare, which can be particularly challenging as multiple carriers offering a variety of plans leave seniors with dozens of options from which to choose. Here are five things to consider when making this important decision.

Be Aware Of Cost Share Health Plans

Thu, 19 Nov 2015 06:15:42 -0600

There are no substitutes for any type of insurance. There are Christian organizations that have totally missed the whole purpose why we all need health insurance, a cost-sharing program among believers to lower premiums is not the right solution.

The Features Of A Good Health Insurance Plan

Tue, 17 Nov 2015 11:27:46 -0600

The skyrocketing medical expenses, make health insurance plans very essential. When you have an insurance plan, you feel more secure because you are covered even in emergency medical situations. You do not have to start looking for money to get medical attention and you do not have to use the money you have to cater to the medical needs when you have a health insurance plan. There are so many health insurance providers today offering all sorts of plan and you therefore must know what features to look out for to get a plan that is most valuable for your medical needs.

Grasp How Health Plans Work

Tue, 10 Nov 2015 06:26:22 -0600

Over and over I hear about how these new metal level plans does not work or pay for anything. This simply is not the case. The reality is most people just don't have a thorough understanding of how these plans work. Under the new affordable care act law; in general all the plans are based on these three criteria;

When You Can't Afford Health Care

Wed, 04 Nov 2015 11:12:13 -0600

Health care is an important part of life. But, more and more people are not able to afford health care anymore. What choices do you have now, and later on?

What Are Your Benefits From 2016 Medicare?

Thu, 29 Oct 2015 13:35:34 -0500

It's the time of year again to make health insurance choices for 2016. Understanding group health insurance is confusing and comprehending Medicare throws off a different set of challenges.

Medicare Part A - Durable Medical Equipment

Mon, 26 Oct 2015 12:33:45 -0500

Medicare Part A - Durable Medical Equipment (DME) - When it gets to the time in your life when you need some sort of Durable Medical Equipment what do you do? In this article are five steps to achieve your DME. Depending upon the Medicare plan in which you have if it is straight Medicare where you pay the 20% which Medicare does not cover or an (HMO) Health Maintenance Organization or (PPO) Preferred Provider Organization in which you pay a copay...

Why Review Your Health Plan's Explanation of Benefits

Fri, 23 Oct 2015 14:55:42 -0500

After you visit a doctor or hospital, you will receive an Explanation of Benefits (EOB) that will list the medical services you received and what was covered by your insurance plan. This document is the first step in sorting out what the treatment may cost you.

How Has "Obamacare" Affected Health Care Policies and the Quality of Policies Offered

Fri, 16 Oct 2015 14:32:44 -0500

The health insurance landscape has changed dramatically since the Patient Protection and Affordable Care Act has gone into place. While prior to the law many carriers offered different benefits while most offered standard benefits such as hospitalization, outpatient, and prescription. Under the Affordable Care Act (ACA for short, aka Obamacare) all plans must have what are called Essential Health Benefits (ESB's).

Medicare, The Broken System

Wed, 14 Oct 2015 06:29:29 -0500

How Medicare Really Works - Horror Story - Have you ever needed your Medical Insurance and it hasn't been there for you? Without knowing how the rules work it hits you smack between the eyes when you actual try to move within the insurance system. This is my recent story.

How to Research Different Insurance Plans

Tue, 13 Oct 2015 14:47:39 -0500

It's important to understand what kind of health insurance you have. The most common types include: Exclusive Provider Organization (EPO) - A Health Maintenance Organization (HMO) - Point of Service (POS) - A Preferred Provider Organization (PPO) - Medicare - Medicaid. An HMO limits coverage to treatment from doctors under contract to the HMO. Out-of-network care is usually not covered except for an emergency.

8 Tips to Keep in Mind Before Buying a Health Insurance Policy

Fri, 09 Oct 2015 07:34:33 -0500

Getting an appropriate health cover is highly essential. It safeguards you and your family if anything goes wrong. To get the right health insurance for you or your loved ones, keep in mind these 8 important tips listed below.

5 Things to Consider Before Buying Mediclaim Insurance

Thu, 08 Oct 2015 06:54:16 -0500

Mediclaim insurance is an utmost necessity. It is a sole way to cover your hospitalization expenses without spending much. But before you buy the policy, you must determine your need and then choose the policy carefully.

Pros and Cons of FSAs and HSAs - Part 1

Thu, 01 Oct 2015 08:18:21 -0500

As the time approaches to sign up for your company cafeteria plan, which do you choose the Flexible Spending Account (FSA) or the Health Savings Account (HSA)? Much depends on your unique family situation. Let's explore how each program works.

Health Care - What's One To Do?

Tue, 29 Sep 2015 10:34:06 -0500

What this all boils down to is how can you protect yourself from the high deductibles and co-pays of the health world. The realities are pretty daunting. Coverage, cost, availability, deductibles and co-pays it seems endless, the choices aren't easy. What do you do?

Find Very Competitive Rates for Individual Health and Medical Insurance

Wed, 23 Sep 2015 07:26:00 -0500

With the number of health insurance companies, it could be overwhelming to find a health insurance at competitive rates. There is a continuous rise in the cost of health and medical facilities, thus health insurance is a safer option to meet the needs, when arises.

Healthcare and Insurance Choices for Seasonal/Contract Workers

Mon, 14 Sep 2015 12:59:16 -0500

Ah... the ELEPHANT in the room. Health Insurance. The invisible handcuffs of the 21st century in the United States.

Health Insurance for Seasonal Workers - Bridge Policies

Mon, 14 Sep 2015 11:34:18 -0500

As always, let me disclaim that I am NOT a health insurance agent or expert. I am just sharing what I have learned and recommending you consult a professional.

Flying Solo - Taking On Individual Health Insurance

Thu, 03 Sep 2015 15:13:22 -0500

Many people in group health insurance plans don't have their needs met and are forced to consider other options. While they require more time and research, individual plans have their own benefits.

You Will Not Die When You Think You Will

Mon, 17 Aug 2015 13:43:08 -0500

It is more likely that you will live for many years partially incapacitated rather than die quickly. With modern medicine people are living longer, but many will have a diminished quality of life long before they die. This period of physical or mental incapacity can quickly drain your assets and impose emotional burdens on your family.

Do You Really Have To Be Compliant With The Law? Part III

Mon, 17 Aug 2015 06:46:32 -0500

To a certain degree; the answer to the title of this article and my previous two articles on this subject are an astounding yes and no; yes, if you want to be financially supported by the government, no, if you pay the premiums all on your own. As I work with individuals and hear of their horror stories working with government ran exchanges; it is unfortunate how many people are either losing their subsidies due to the lack of their own ignorance, no income or because of some error from employees working for the government.

3 Things to Think About When Buying Company Medical Insurance

Wed, 12 Aug 2015 11:54:27 -0500

Company health insurance policies are very much essential in this competitive work environment, where retaining talent is a constant challenge for the businesses. With so many insurance providers in the market, it is a challenging task to select one policy that can satisfy your requirements correctly.

Ensure Financial Stability By Picking The Best Health Insurance Policy

Fri, 07 Aug 2015 10:07:13 -0500

Still confused about which health insurance plan to purchase to secure your savings and assets for future? Having a comprehensive insurance cover acts as a coverage against unforeseen medical emergencies and protects you from high costs of hospitals and medical bills.

Obamacare Vs Affordable Care Act

Thu, 30 Jul 2015 12:48:36 -0500

Many people can't afford the Gold and Silver plans for their families, opting instead for high deductible Bronze plans in order to keep their premiums affordable. What happens when they get sick or injured? Their insurance won't kick in until their deductible has been met.

Medicare Rebates

Thu, 30 Jul 2015 09:34:34 -0500

Medicare Rebate is offered by the government to encourage the patients to take out the private health insurance. The majority of people aged 65 or under receive a reduction of 30% on both the hospital and extra cover. There are still higher rebates for the aged people above 65 and above.

Why People Do Not Purchase Medical Insurance

Fri, 24 Jul 2015 10:31:00 -0500

What is Medical Insurance? Medical costs world over are sharply increasing. The working class, cannot pay their exorbitant medical bills. They need an instrument which they can bear the economic brunt of their medical emergencies. They do this through a medical insurance policy. This is an instrument through which an individual insures his medical well-being in return for a nominal premium.

How to Find the Right Critical Illness Insurance Policy?

Wed, 22 Jul 2015 07:42:52 -0500

Unexpected illness can hamper anyone's health and lifestyle. To be prepared for such unexpected situations and to save your money from getting drained in treating long-term medical illnesses all by yourself, it is good to invest in critical illness insurance. It is a fixed benefit plan in which you can get the full sum insured regardless of whether you are hospitalized or not and what the treatment cost really was.

Do You Really Have To Be Compliant With The Law? Part II

Mon, 20 Jul 2015 08:06:19 -0500

Though the introduction of the Affordable Care Act law has been confusing, misleading, rocky and beneficial to many people; it is our responsibility as consumers to take advantage and learn these new guidelines when purchasing health insurance. My previous articles on healthcare reform will also enlighten you as you search for answers pertaining to health insurance.

Maybe Supreme Court Justices Need to Be Elected

Thu, 16 Jul 2015 13:07:37 -0500

We have seen the Patient Protection and Affordable Care Act, also known as Obamacare, go to the Supreme Court twice in three years. Both time Supreme Court Justice John Roberts rewrote the law, rather than interpret the law. A Supreme Court Justice promises to stand by the Constitution and strict adherence to the law.

Health Insurance - Keep You And Your Bank Account Healthy

Wed, 15 Jul 2015 07:21:29 -0500

Buying a health insurance is among the most significant decisions that can be taken by an individual. Having an insurance can save your money in times of some financial disaster that could occur because of illness or accident. This is why it is advisable to have a backup plan in the form of a health insurance to cover up for all the expenses incurred in the process.

Medicare Advantage Plans in California

Tue, 14 Jul 2015 10:08:32 -0500

There are so many different options when it comes to Medicare Advantage plans in California. How do you know which one is best for you? Does it cover my prescriptions? All important things you need to know.

Do You Really Have to Be Compliant With the Law?

Mon, 29 Jun 2015 08:45:58 -0500

Now that the Supreme Court has upheld the Affordable Care Act again, let's stop listening to all the mockery and negative feedback we hear from political leaders. As acknowledged by Chief Justice Roberts; this new law has helped millions of Americans who were once unable to get coverage either due to unaffordable premiums or mainly because of their pre-existing conditions.

Things You Didn't Know Your Health Insurance Would Pay For

Fri, 26 Jun 2015 06:30:29 -0500

Before you pay for a procedure or prescription, make sure to check that it is covered by your health insurance. Read on to learn about unexpected services that you can get for free.

Using an HSA Account Along With A High-Deductible Health Insurance Plan

Fri, 19 Jun 2015 08:04:07 -0500

In today's insurance market there are many options when purchasing health coverage. Self-employed and people with no coverage provided by their employer may want to explore the option of purchasing a high-deductible health insurance plan (HDHP) and making contributions to a health savings account (HSA).

Low Cost Ways To Boost Employee Satisfaction With Company Benefits

Wed, 17 Jun 2015 11:44:12 -0500

Although most companies cannot provide raises every year, there are ways to give the employees the key benefits that they deserve and desire. Supplemental Insurance A supplemental insurance plan provides disability and dental insurance to employees at a very reasonable price. Employers save even more money when they divide the costs among various employees.

Finances of Health Insurance (Part 1)

Mon, 15 Jun 2015 11:01:43 -0500

Have you every taken the time to ponder how much money you are obligated to pay each month to a health insurance company before you receive any health care services? Bare in mind that you receive no health care services from a health insurance company and their bottom profit is enhanced when you receive few or no health services.

Choosing the Right Health Insurance for Your Needs

Mon, 01 Jun 2015 15:28:26 -0500

When it comes to health insurance, you have an abundance of options. Learn the difference between plans with high and low deductibles.

Hefty Premiums Learn The New System Part II

Mon, 01 Jun 2015 09:08:39 -0500

In the year 1996 former President Bill Clinton signed into law the Health Insurance Portability and Accountability Act; this is a privacy act. (HIPAA) for short; this act has several purposes to name a few: 1) to help protect consumers information from prying eyes; 2) as well as to protect health insurance information and to give permission for consumers to allow healthcare providers to share their information in regards to a person's healthcare and 3) in some instances financial information so medical expenses can be paid by insurers to third parties caring for your medical needs...

Controlling Health Insurance Costs for Employees, Employer

Mon, 18 May 2015 10:58:19 -0500

Health insurance costs have gone through the roof in recent years, especially since the Affordable Care Act has been signed into law. Many are looking for ways to control the costs. Some are left empty handed. You almost need an insider to give you the best tips. However, many do not know where to look. In the meantime, they are forced to pay higher premiums and out-of-pocket costs. Where does the bleeding stop?

Finding Health Insurance That Covers Medication Assisted Treatment

Wed, 13 May 2015 13:46:36 -0500

With the passage of the Affordable Care Act many health insurance companies are now covering Methadone, Suboxone and Subutex on their individual plans. Depending on the insurance company, either a combination of Suboxone, Subutex or Methadone or all three will typically be covered under a health insurance plan in a post ACA world.

Importance of Being HIPAA Compliant

Wed, 06 May 2015 13:17:00 -0500

The Health Insurance Portability and Accountability Act (HIPAA) was introduced by the federal government in 1996, as a way to enhance the security and confidentiality of health care information. Since its inception, HIPAA has had a vast impact on how sensitive patient information is handled in the healthcare industry. The importance of being HIPAA compliant cannot be overemphasized, because failure to adhere to the regulations can result in hefty fines, or prison terms.

Hefty Premiums Learn The New System

Mon, 04 May 2015 08:35:56 -0500

As I hear more than enough people talk about the cost of healthcare; it is to my amazement more than enough individuals have not took the time to learn the new laws governing health insurance. In my previous articles related to healthcare reform there are many concerns each of us should have with these new guidelines.

Group Health Insurance: Is It Sufficient?

Wed, 29 Apr 2015 11:24:33 -0500

"Health is Wealth". Well, this is a statement which everyone knows and there is no second thought about its relevance. Still, how many of us really take care of their health? Taking health is another matter, what about covering risks which are not under our control. There are several exogenous factors which can impact your health in an unwarranted manner.

Are You Ready For Medical Emergencies?

Thu, 23 Apr 2015 10:45:00 -0500

How can we forget that 'health is wealth'? If you have sound health, you can enjoy your life and work hard for a bright future.

The Affordable Care Act's Senior Care Benefits: Nursing Home Transparency

Thu, 16 Apr 2015 15:55:06 -0500

One of the most significant problems with the American healthcare industry is called opacity. Healthcare markets are opaque, meaning that the average recipient of healthcare has no way to easily gather information about the healthcare providers available to them. There is precious little pricing information, few unbiased reviewers, and almost no ability to 'preview' what care will be like in a given facility...

The Affordable Care Act's Senior Care Benefits: Preventive Medicine

Thu, 16 Apr 2015 15:53:53 -0500

Never mind laughter -- prevention is the best medicine. That's common knowledge among the healthcare industry, which is why almost all modern health insurance provides discounts for people who voluntarily engage in preventive health behavior such as attending a gym or quitting smoking. It's also why the Affordable Care Act significantly expanded the number of preventive-health services that are now free to senior citizens receiving Medicare...

The Affordable Care Act's Senior Care Benefits: Stopping Medicare Fraud

Thu, 16 Apr 2015 15:51:56 -0500

According to the Federal Bureau of Investigation, Medicare fraud accounts for somewhere between 3% and 10% of all billings each year, making the problem somewhere between 'about what you'd expect' and 'quite alarming.' In 2015, estimates are that Medicare fraud will cost the country somewhere between $15 and $50 billion dollars.

The Affordable Care Act's Senior Care Benefits: Prescription Drug Costs

Thu, 16 Apr 2015 15:50:10 -0500

The ACA -- also known as Obamacare -- has significantly transformed the healthcare landscape in the United States, primarily by requiring insurance companies to offer specific benefits in order to qualify for their Healthcare Exchange Marketplaces. Many of those requirements have a direct effect on senior care issues, including prescription drug costs...

Maybe It's Time We Re-Think The Health Insurance Model

Thu, 02 Apr 2015 09:11:20 -0500

Health Insurance premiums are a derivative of healthcare cost. The more healthcare costs the more it is to provide insurance. The richer the benefits package, the higher the premiums to enjoy those benefits.