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EMPLOYEE/FAMILY HEALTH INSURANCE
What You Need to Know About Your Health Care Insurance Benefits
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10 Things to Consider When Choosing an Insurance Company
We don’t think of it too often; as a matter of fact, unless we are faced with a health crisis or need, we don’t think about health insurance at all!
It is no wonder that many of us are caught unawares when an emergency happens, and some of us suddenly realize that the insurance coverage we had ten years ago is woefully out of date...
(No rating)
4-11-2008
Views: 403
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Buying Health Insurance for Your Family... is it worth the Price?
Unlike in Canada and parts of Europe where the bulk of health care costs are put on a government tab, most able-bodied, mentally sound Americans under the age of 65 must generally rely on themselves to manage personal health care funding.
For most Americans, that means incorporating some kind of health insurance into their overall...
4-17-2008
Views: 300
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HealthCare Plans for Gastric Bypass Surgery: When is it covered?
Overweight and obesity is a major health crisis in North America. More and more adults and children are struggling with the weight and the array of health problems that is associated with carrying around dangerous and unwanted pounds.
The weight loss/diet industry is a multi-billion dollar business, with desperate people willing to try...
4-17-2008
Views: 277
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PIP: What Is It?
A good automobile insurance policy includes several elements: personal property liability, uninsured motorist coverage, collision coverage, bodily injury liability, comprehensive coverage and personal injury protection (PIP). Some of these elements are mandated by the state and others are optional.
Collision coverage pays for damages to...
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4-18-2008
Views: 202
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Health Maintenance Organization (HMO) for your Employees: What It Means
With so many different health insurance programs, how do you know which one is right for you?
HMO is one that you should become familiar with. HMO stands for Health Maintenance Organization. It’s a network of healthcare providers that have contracts with an insurance company to provide their services at a set price. HMO’s do have many...
4-17-2008
Views: 148
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Medicaid and Medicare Health Insurance for Employees: What’s the difference?
Medicare and the Medicaid both fall under the umbrella of the Social Security Act. They were established in 1965 and sought to expand the budding safety-net for the elderly and the indigent.
Medicare’s first and foremost goal was the creation of a system that would guarantee that the elderly population’s medical care needs would be...
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4-18-2008
Views: 137
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Employee Health Insurance Scams: How to PROTECT yourself!
Crime invades every spectrum of life in the United States and around the world and sadly, even people trying to protect them and their loved ones from health-related financial burden are at risk.
Federal statistics show a steep rise in the number of fraudulent or unlicensed health insurance companies in recent years. The result? Hundreds...
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4-17-2008
Views: 128
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Children’s Health Insurance Program (CHIP): What is it and how can it help you?
American parents work hard to ensure the health and well being of their children. Sometimes, however, the bills get to be too much, and they need help.
Financing the soaring costs of children’s health care could bankrupt most parents, but the costs are particularly prohibitive for parents of families who do not or cannot benefit from...
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4-10-2008
Views: 126
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Burial Insurance Solutions: Important Information for You and Your Family
Most people hate either contemplating or talking about their own death or burial and try to avoid both subjects whenever possible, perhaps they want to believe it will never happen to them.
The reality, however, is that everyone dies and if you don’t plan ahead for the inevitable costs associated with a funeral and burial, your survivors...
4-17-2008
Views: 359
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COBRA Insurance Coverage: What You Need To Know
COBRA Insurance coverage is something many people don't understand or how it works for them and the benefits they can draw from it. COBRA might just be what you’re looking for to fill those insurance needs. But lets look at what COBRA is and if it's in your best interest to continue it or end it.
COBRA is also known as the Consolidated...
4-17-2008
Views: 285
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Shopping Around:10 Things To Consider When Choosing A Health Care Plan
You have decided it’s time to buy health insurance and it can be a very daunting task to figure out everything. Here are 10 of important factors you should consider when you choose your next health care plan.
1. Let’s start with the most important one first, doctors are the backbone of any health care plan and you will have to consider a...
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4-18-2008
Views: 235
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Universal Health Care: What Is It?
Universal Health Care has been in the news lately and every political campaign usually talks about it somewhere down the line.
Universal health care is getting health care for every living American no matter how poor, how rich or ethnic backgrounds. Universal Health Care is one of the few services that haven't reached across the board of...
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4-18-2008
Views: 197
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Rising Health Care Costs: What you need to know!
Americans pay more than one and a half trillion dollars for medical care each year and costs related to all manner of health care, such as prescription drugs, continue to skyrocket. While some of reasons behind this booming bill are understandable, Americans caught in a cash crunch might be surprised to find out some of the lesser-known...
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4-18-2008
Views: 167
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State Funded Health Insurance for Your Employees' Children
Health care is one of those services that everyone needs, especially children. Yet, like in many other countries, the United States does not provide either federal or state blanket medical coverage for children.
For a lot of parents, the answer is individual or job-based health care insurance coverage. Unfortunately, many of these plans...
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4-18-2008
Views: 165
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Employee Suicide: When Is It Covered?
We’ve all seen this scenario before, either in a movie or on the evening news. A spouse, distraught over his or her family’s crushing financial burden, decides to commit suicide so that the surviving family members can collect his or her life insurance benefits.
For Jimmy Stewart in It’s a Wonderful Life, his intended act of suicide was...
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4-18-2008
Views: 165
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Job-Based Health Insurance Coverage vs. Individual Health Insurance Coverage
Many of us are fortunate enough to be employed by mid-sized or large companies that offer comprehensive benefits packages.
These packages almost always contain job based health insurance coverage in addition to life insurance, long- and short-term disability, and flexible spending accounts. Unfortunately, rising health...
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4-17-2008
Views: 158
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Universal Life vs. Term Life Insurance
Choosing between universal life and term life insurance can be one of the most confusing, yet consequential, challenges a person can face during his or her lifetime.
The wrong policy might leave a family without the financial benefit it really needs following the death of a loved one or can burden the family with excessive, unnecessary...
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4-18-2008
Views: 156
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Company Delivery Drivers vs. Uninsured Motorists: Is It Worth It?
According to the Insurance Research Council, approximately 15% - 17% all drivers in the United States are uninsured. Despite all the fines and penalties they could suffer, millions of drivers either cannot afford coverage or just do not care about the potential consequences.
This leaves the insured drivers in a precarious position. Do...
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4-18-2008
Views: 151
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Does Your Company Pay for Infertility Insurance... and... Is There A Loophole?
Not to long ago there were many loopholes that existed for infertility treatments for women. Most insurance carriers found loopholes where the patient would have to pay for these services and most of these women couldn't afford them.
Some insurance companies even would try to underwrite them under different things to get away with out...
4-17-2008
Views: 144
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Medical Coverage for Employees on Your Company Auto Policy
Car accidents can happen at any time to anyone. They can be devastating and cause unnecessary stress to everyone involved. If you are injured in a car accident the last thing you will need at that time is a problem with your medical insurance coverage. Insurance can be a tricky subject.
Sometimes it is hard to...
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4-3-2008
Views: 144
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PPO: What It Means to the Employer
PPO stands for Preferred Provider Organization. These organizations have contract agreements with the insurance companies. A PPO's big advantage is the rules are a little more relaxed than an HMO which means they tend not to be so restrictive.
Fewer restrictions usually help the consumer, which is a good thing for you.
PPO’s allow you...
4-18-2008
Views: 144
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Products and Completed Coverage: What it pays for...
For businesses, insuring themselves against potential lawsuits can be vital to their success and survival. In particular, small companies are increasingly at risk to be nailed by major lawsuits or claims from former customers that may leave them bankrupt or struggling financially.
It is best for businesses to look into all...
4-18-2008
Views: 144
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Your Health Insurance Policy: A Guide To Understanding It...
You now are the proud owner of a health insurance policy through your place of employment, but you have no clue what anything in it means.
You start reviewing the policy and it gets more confusing as each word is read. This happens too often to a lot of people and it shouldn’t. Insurance policies for the most part are simple to...
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4-18-2008
Views: 140
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Health Insurance Plans for Cosmetic Surgery: Costly or Covered?
How many of us have stood at the checkout counter of the local mega mart, and perused the tabloids while waiting for our turn? A staple of many a tabloid is the guessing game: which celebrity has had cosmetic surgery or perhaps some liposuction? Yet, what about the lady at the front of the line, has she had costly surgery? ...
4-17-2008
Views: 139
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How to Choose a Health Insurance Company Online
Purchasing health insurance used to be a tedious process. Usually, one had to make appointments with agents, visit their offices, fill out reams of paperwork, and then submit to a physical exam.
Fortunately, times have changed, and consumers are now able to preview and choose a health insurance company from the comfort of...
4-17-2008
Views: 136
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State Required Limits: Make Sure You’re Covered
Every state has laws regarding the minimum amount of auto insurance coverage that must be carried on each vehicle driven within its jurisdiction.
The required elements of coverage are: total guaranteed minimum payout per accident, total guaranteed minimum payout per person per accident and guaranteed minimum property damage payout per...
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4-18-2008
Views: 134
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POS: What It Means...
POS is a basic managed health care foundation in which one can attain lower medical costs in exchange for much more limited choices.
Once you’re in a POS health care program you will be asked to choose a primary care physician to monitor your health care. This physician will become your point of service within the health care network. In...
4-18-2008
Views: 128
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Workman’s Compensation: Who Pays for It?
Workman’s compensation insurance, also known as “workman’s comp”, is a state-mandated insurance program designed to protect workers who have been injured on the job or rendered ill because of workplace conditions.
All companies, with a few exceptions, are required to maintain this type of insurance coverage no matter where they are...
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4-18-2008
Views: 128
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Medicare Prescription Drug Assistance Drug Program for Employees
Medicare’s first and foremost goal was the creation of a system that would guarantee that the elderly population’s medical care needs would be met.
While Medicare originally limited its benefits to individuals aged 65 and older, in 1972 Medicare coverage was expanded to also include those individuals who are severely disabled and...
4-18-2008
Views: 125
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Your Health Insurance and Your Vacation: What to Know before you go...
Nothing ruins a fabulous vacation faster than an unanticipated medical emergency—except, that is, experiencing such an emergency and knowing you are unprepared to handle it.
Buying travel insurance before you leave for your trip won’t guard against emergencies, but it may ease some of the difficulty of dealing with whatever problem has...
(No rating)
4-18-2008
Views: 125
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Is Health Insurance necessary for The Terminally Ill?
By its very nature, terminal illness is devastating for both the sick people and their families and friends. Unfortunately, the pressure of worrying about medical costs and trying to secure health insurance that addresses the needs of a terminally ill individual adds to the burden loved ones must endure during an already difficult time.
...
4-17-2008
Views: 121
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Employee Health Insurance for Those with Special Needs
More than 40 million Americans do not have any kind of health insurance protection, and as a result, are at risk of either not receiving the level of care they should have, or alternately receiving the care and the massive bill that accompanies it.
Having adequate health care insurance, whether public or private, in place plays an...
(No rating)
4-17-2008
Views: 118
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State Insurance Pool: Can it help you?
A “State Insurance Pool” is a ground-breaking program that secures insurance benefits for all individuals, even those who are considered to be high-risk by the insurance industry.
Quite often referred to as “Guaranteed Access Programs“, these pools are unique plans created by individual state legislatures in order to make available...
(No rating)
4-18-2008
Views: 113
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Diabetes Health Insurance... Are you Insured?
Diabetes, also known as hyperglycemia, can be the precursor of devastating health problems. The inability to produce sufficient insulin leaves the body vulnerable to a dangerous glucose buildup that will eventually lead to heart disease, stroke, high blood pressure, kidney disease, blindness, amputations, and a host of other...
4-17-2008
Views: 110
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Looking for A Job? Keeping Insurance whilst not Employed
Now you’re heading to college and you are worried about losing your insurance that you had when you lived with your parents. Insurance that you had at home usually doesn't carry with you unless you are home.
These are important factors to look into before you can make any kind of decision about insurance. Should you be worried? Will the...
(No rating)
4-18-2008
Views: 90
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