Anybody can get sick at any time and without warning. It's just a part of our human existence. This can be even more painful when you get caught in a situation where you are penniless and unable to get yourself medical assistance. Statistics show that an incredible number of Americans are uninsured and these numbers are continuing to increase. This is partly due to increases in unemployment which have hindered many people from getting...more
Probably one of the most essential things folks just ignore is health and wellness. As we say, health is wealth. On the other hand, they just recognize its relevance should they become ill and need to pay a large amount on their medical costs. This is exactly what injures your bank account the most. Whenever you are unwell, you have to spend unexpectedly something you must have well prepared for at the start.That is why it is essential to make...more
When it comes to choosing the health insurance you plan to buy, you really have plenty of choices, but the main two choices come down to whether you are looking to save money or the choice to do what is best for your family. That requires a lot of research and you can find most of your answers on the Internet, but if you are on a meager income and you and your family are living from paycheck to paycheck, you have limited options and it is important that you know what those options are.It used to be, as late as the end of the 20th century, that you had few options and most of those options were all about indemnity plans. In other words, the insured selected a plan under which a certain part of their health care and other needs were paid out of pocket while the rest was also based on the amount of the deductible that had to be met before getting their coverage paid in full.Indemnity plans worked well but were for the most part replaced over the past 10 years with lower cost HMO and PPO plans. While these plans tended to offer little by way of choice they provided those in need with some good medical care, access to the providers that they need and local area hospitals but did so for...more
So, you've finally booked that holiday of a lifetime to America you've been planning for so long with your beloved, the flights are confirmed, the hotel rooms are the best you can get and everything is in place. However there is one more crucial matter you need to consider when travelling abroad to far continents - travel insurance -...more
Traditional health policies pay for hospitalization and/ or domiciliary expenses. However, critical illnesses can pose a greater financial burden than just the medical expenses on treatment. These diseases can also lead to full, partial, temporary or total disability and a change in lifestyle. The loss incurred could be far more than what the...more
With health care costs rising at an astronomical rate in comparison to inflation and job creation, it is not surprising that there are so many Americans living without any kind of health insurance. Whether it is due to income or pre-existing conditions, there are still options available to help offset the high prices of both health care and traditional health insurance.If you may be considered to be low income, first look to the local social service agency for programs such as Medicare and Medicaid. Individuals and families that find themselves stuck between middle income and extremely low income also may be eligible for other state programs specifically for those in their income bracket.Just as there are local care insurance brokers, there are also health insurance brokers. In fact, many brokerage firms cover both forms of insurance. Either in-person or via a phone conversation, a good deal of personal medical information is provided to the broker, who then requests quotes from health insurance companies on your behalf. Once the quotes have been received, the most promising ones are presented to you for perusal. This is done at no extra cost to you, the consumer.Once quotes have...more
Recent years have marked an unprecedented amount of dialogue on the problems of America's health care system. As the unemployment rate remains high and businesses continue to tighten their belts by ceasing to offer health insurance, taxpayers...more
Healthcare is one of the most critical topics in our national conversation nowadays, and discovering affordable health insurance may be a fantastic challenge for numerous families. Understandably, numerous households are mainly concerned with price,...more
When shopping around for health insurance most people feel very vulnerable. Health insurance plans are very long, extensive legal documents that for the most part hold little understanding for the average American. While most people try and muddle...more
Understanding any health insurance policy can be like trying to read a foreign language in the dark. With all of the unfamiliar terms and insurance jargon, it is no wonder most people don't really understand their medical coverage. Add to this...more
Did you recently lost your job and found COBRA health insurance premiums way too expensive? Or you dont have health insurance because your employer does not offer it? If you live in USA, you know that costs of health care and medications have been...more
The new hot topic on the news wire is without a doubt health insurance. The debates about the need and availability can be found most anywhere while individuals everywhere survey their own health insurance needs. The stark reality of this hot topic...more