Useful Suggestions To Help You Find Health Coverage You Can Afford Finding affordable health insurance involves price shopping, not opting for unnecessary services, paying some costs upfront to lower premiums, keeping healthy, not engaging in high-risk habits, checking if you qualify for Medicare or Medicaid, determining if your employer provides worker's compensation insurance, trying short term insurance coverage, joining a club with...more
You may be clear about the concept of critical illness insurance as its name indicates that it is the type of insurance which activates on the initiation of your critical illness. It is a type of insurance that is able to financially satisfy your needs and requirements in the time when you deadly need the financial assistance to meet your medical and other daily requirements. But there are certain questions that need to be answered before you...more
Kaiser, the nonprofit corporation that tracks employer supported health insurance, reported recently that the average cost of a family health insurance policy has reached over $15,000. This represents a 9% jump in 2011. According to the New York Times the cost of insurance has grown faster than wages, putting the middle class into an even tighter squeeze. Insurance companies defend the higher premiums and high profits by asserting that their costs will rise when the economy begins to recover. Demand for health care, along with expenses to insurance companies, has fallen since the beginning of the recession. This is because people are putting off elective treatments and some preventive care due to financial concerns.The rising cost of premiums has also spurred a trend in requiring employees to shoulder a higher portion of the cost of health care. This double blow results in high-deductible policies coupled with higher co-pays. From 5.2% of the gross national product (GNP) in 1960, the proportion of income Americans pay for health care has risen at an alarming rate. At present, health care costs 17% of the US GNP.Warren Buffet recently called on Congress to rein in the cost of health...more
Until current health care reform legislation takes full effect in 2014, individuals with pre-existing conditions will continue to legally be subject to certain exclusions and limitations in coverage from health insurance companies. However, despite legislation to the contrary, various types of discrimination continue to occur throughout the country...more
We all know that children are expensive. Starting from the cost of pre-natal care, the dollar signs seem to just keep adding up until parents start seeing stars. With the high cost of health care these days, it is of utmost importance to have insurance at all times for one's children. After all, no one knows what the future may hold, and children...more
In recent years, it seems that advertisers can get away with just about anything. This includes companies making claims that they are offering health insurance when in actuality they are not. There are at least a few companies that advertise on television and the radio as offering real health insurance policies. These advertisements may seem legit, but they also may seem too good to be true. Since consumers really can't base their judgment of a company, product, or service by their advertisements, they need to dig deeper to make sure they obtain the health insurance or discount card that they are looking for.Simply calling the toll free number from one of these advertisements often will leave consumers surprised within seconds. Even companies that state in their ad that they are actually offering real health insurance often say the opposite in an automated statement when calling the toll free number. Though this is evidently blatant false advertising, for some reason it is apparently not illegal since it continues on a daily basis across the nation.Anyone who cannot afford health insurance or finds themselves struggling to become eligible for it might benefit from a medical...more
Buying Affordable Health Insurance - Get Cheap Medical Insurance Cover Quickly More and more consumers are seeking health insurance plans through the internet due to its vast popularity and because they can be buying affordable health...more
Many times, we find people complaining about health insurance companies. They complain about all the hassles and paperwork and yet find their claims unsettled. The problem is that many of us buy health insurance policies in March to get a tax...more
There are many reasons why this is an advantage to both the provider and the person taking out the insurance. Doctors reports do cost the insurance industry thousands of pounds every single day and so the reduction in this will cost the provider less...more
You can cover your whole family under the same health insurance plan. Family floater policy makes that possible. Although you can buy individual policies for all family members, family floater policies are fast gaining popularity. A major reason for...more
As the waistbands of residents of the United Sates continue to expand, the rate of both chronic and terminal illness continues to increase along with it. Not excluded from this epidemic of obesity and the resulting medical problems is diabetes.While...more
If you are searching for a rewarding and stimulating career, you may consider becoming a licensed insurance agent. An insurance agent can sell health insurance, among other forms of insurance, and help people to protect themselves and their homes and...more