Not all critical illnesses may be covered with different particular policies. It is true that there are some grey areas where a critical illness may be contracted and if caught in time and treated effectively could leave the policy holder unable to place a claim, even if they contracted one of the underlining critical illnesses as stated in their policy. In a good sense it is by far a relief that many critical illnesses can now be treated,...more
Allow us cut straight to the chase, everyone requires health insurance! It is vital to have a health plan as it can protect you from unexpected expenses and emergencies which could come up at any given time. It can prevent you from using up all of your savings that you have huge plans for. Having a health plan will definitely help out at these kinds of times. There are times when one might would like to undergo emergency medical treatment caused...more
Uninsured Americans need health care options. 4-1-1 HealthNews offers alternatives such as savings accounts health, medical discount cards for savings, and medical tourism.In today's economy, it is fortunate minority who have both a job and medical benefits. Indeed, the number of uninsured Americans has continued to increase, and at last count numbered 50 million. And those who have the least resources, the unemployed, has a high level of medical debt.There are no easy answer. Eventually the economy will turn around, the Affordable Care Act will help some benefits, but others can stay out in the cold. Without funds to pay for COBRA coverage when they lose a job or to purchase private insurance, the needs of many alternatives to Americans in two daily newspapers and health problems related to more complicated surgical problems. The options are limited, but here are some options that can provide common ground.(1) High Deductible, Catastrophic PoliciesWith the high cost of traditional full-service policies, many people prefer to opt out of insurance altogether, but there are some policies that help meet the costs that you have a major or catastrophic medical condition. And it is these...more
Getting the Right Health Insurance Plan Few things are as confusing as having to decipher all the acronyms you will have to deal with on the first week of your new job. Deciding on your health benefits and understanding the various health insurance plans available can be a very daunting process. But in the light of the current economy,...more
Whether or not you choose to trust it or not, over 50 million people in developed countries such as United States and the UK doesn't have health insurance! You can pick up your jaw off the ground now. People who do not have a health plan are losing out and adopting a significant amount of risk. There is no doubt that health coverage is important...more
State regulators are getting money to fight unreasonable Tennessee health insurance premium hikes. The U.S. Department of Health and Human Services (HHS) announced an Affordable Care Act grant in the amount of $3,979,002 to help the state in this battle. HHS Secretary Kathleen Sebelius released a report called Rate Review Works to show how previous grants have already mitigated health insurance premium hikes. When rate hikes are publicizing, the bad publicity has had an effect.While Sebelius says, "States continue to have the primary responsibility for reviewing insurance rates and these grants give them more resources to hold insurance companies accountable, the grants are just the most recent federal action to increase access to health insurance for Tennessee. Almost $250 million in grant money have been distributed to different states to facilitate health insurance rate reviews. Tennessee Health Insurance Changes Follow Health Care ReformAs of September 1, 2011, health care reform requires Tennessee health insurance companies that plan to increase individual and small group health insurance premiums by more that 10 percent to submit a request. If the rate increase is deemed to...more
As one approaches retirement, it is increasingly important to have some sort of protection from major medical bills. Did you know that while you are still employed, you may be eligible for a Health Reimbursement Arrangement?Health Reimbursement...more
When one hears mention of HIPAA, they generally journey back in their mind to their last visit to a physician's office or hospital. Along with all the rest of the necessary paperwork, the HIPAA form becomes just one more thing to sign and date,...more
When the USA suffered from a financial turmoil, many people abruptly found themselves out of work and without any health plan. If you made it through this situation and got a new occupation at this time, you are probably a very lucky person. This...more
The cost of medical treatment has increase greatly just of late. Do to this problem of expensive treatment many people are now looking for less expensive health insurance plans. Therefore most people are in for low cost medical insurance coverage....more
Health Insurance For Less In 5 Easy Steps Benefit from you employer's insurance by living a healthy lifestyle,researching companies to choose the right plan for you and buying your prescriptions through the mail. Health insurance helps protect...more
Health insurance law under divided Congress Can Republican lawmakers repeal the law?Chances are slim to nil, at least through 2012. Although Republicans have regained control of the House, they will remain in the minority in the Senate. So...more