Anyone aware of the health insurance system of United States must have heard the name of one of the following big daddies such as Wellpoint, UnitedHealth, Cigna, Aetna, Humana etc. These companies serve millions of American residents, and cover health insurance requirements of both individuals as well as their families depending on factors such as the state of health, age bracket, lifestyle attributes etc. These health insurance companies launch...more
Most people are aware that health insurance doesnt cover pre-existing health conditions. But what does a health insurer really consider to be pre-existing? Well take a look at three common examples...1. Current health problemsIn short, if youre aware of a health problem (whether its been fully diagnosed or not), or have started to develop symptoms then an insurer is going to consider this a pre-existing condition, and wont be able to offer cover...more
The health care reform law was enacted in 2006. It requires nearly every resident to obtain health insurance coverage. Through the law provides free health care for residents earning less than 150% of the federal poverty level (FPL), and partially subsidized health care for those earning up to 300% of the FPL, depending on an income-based sliding scale.The law established an independent public authority, the Commonwealth Health Insurance Connector Authority, also known as the Health Connector, which offers the subsidized coverage and facilitates the selection and purchase of private insurance plans by individuals and small businesses.Incentives for residents to obtain health insurance coverage include tax penalties for failing to obtain an insurance plan. In 2007, tax filers who failed to enroll in a health insurance plan that was deemed affordable for them lost the $219 personal exemption on their income tax. In 2008, penalties increase by monthly increments, and are based on half of the cost of a health insurance plan.Once implemented, in other words, universal health insurance became overwhelmingly popular (the Mass. law was passed in 2006). That's the Republicans worst...more
Five billion dollars will soon be available for employers that sponsor a retiree health care plan. The program, established by section 1102 of the Patient Protection and Affordable Care Act of 2010, provides reimbursements to participating employers for a portion of the high-cost claims associated with the plans provided to their early retirees and...more
Obtaining insurance leads is best done with the help of a potent system of referrals. However, if you are well versed with the tenets of the lead generation business in the insurance market, you need not go haywire with leads purchases. Generating leads from unreliable providers is risky as it might make you end up in a gutter of losses. If you...more
Home Health Care InsuranceThere are various insurance policies that help pay for or totally cover the costs of home health care. Consumers are reminded to be very cautious when shopping, comparing and buying home health care insurance policies because coverage is often limited. Considering the limitations and loopholes that home health care insurance has, they may be more expensive than other insurance policies. Home health care may only be accounted for by comprehensive insurance policies with pay benefits for nursing homes, assisted living communities, and adult day care.Types of Home Health Care InsuranceThe different types of home health care insurance depend on each policy's extent of coverage when paying for home health care services. Private insurance usually only pays for part of the home health care costs which include personal and hospice care. Managed care insurance plans may offer some help with home health care costs if the home health care provider is Medicare-certified, these plans also require hefty premiums.There are also existing home care policies which actually pays for the excess amounts that your original insurance policy does not cover. These supplemental...more
Health Insurance for Florida Provides Superior Chronic Wound TreatmentIf you need treatment from an out-of-network provider, you may incur excessive charges that could interfere with your treatment. While your health is still good, check out which of...more
San Diego Lasik Doctors Explain Why Cheaper Lasik Does not Necessarily Mean A Better Lasik OutcomeThe consideration of cost containment at the risk of increasing the risk to the patient or reducing the quality of the visual outcome should really not...more
Having Professional medical costs as much as they are, it usually is preferable to health care insurance when exploring out of your nation. Several countries have different medical aid solutions. Its always beneficial to know what you are handling...more
According to the American Academy of Allergy Asthma & Immunology, an estimated 50 million Americans have allergies. Mold has a negative affect on a person's health, but can be debilitating to those affected by allergies. In the home, one of the most...more
Purchasing Affordable Health Care Insurance By: Johny J About the Author A health insurance is a must-have for everyone especially during these trying times, when everything from oil prices to practically everything is truly...more