Health Insurance: Policy Information, Fraud, News and More
What to Do When Your Employer Changes or Stops Providing Health Benefits
What choices does one have if their employer eliminates health insurance benefits? The federal health care law, otherwise known as the Patient Protection and Affordable Care Act or Obamacare, may cause changes to many health care benefits that employers currently offer.
The Top 7 Health Insurance Frequently Asked Questions
Some health insurance questions come up often. Here is the top health insurance questions. Find the answers to such questions as "What is a Deductible?", "What Health Insurance Costs Can I Claim on My Taxes", and What is Universal Healthcare?".
Does Your Insurance Cover an Air Ambulance?
Will your insurance company pay for your emergency trip to the hospital by an air ambulance? Some insurance companies have a little coverage but many patients are getting stuck with a large bill.
The Employee's Guide to Health Insurance and Benefits
Now that you have the job, next you need to decide on your health insurance and other employer benefits. Here are some resources that will help you understand your employee health insurance options along with some info on other benefits you may be offered through your job such as supplemental health insurance and life insurance.
Health Insurance Provider Network
The health insurance provider network helps managed health care plans keep overall costs down. Understanding why managed health care plans use health insurance provider networks helps one see why it can cut health insurance premiums fees for the employee.
Health Care Reform 101
Health care reform in the United States is and will be an ongoing learning process for both lawmakers and citizens. Understanding health care reform, the history of health care reform, and current issues is key in getting the most out of the new health care reform laws.
The Top Three Ways to Find Your Medicare Part D Prescription Drug Insurance
Getting your Medicare Part D prescription drug insurance coverage may seem like a hard and confusing process but it does not have to be complicated. Here are three options for choosing the right Medicare Part D prescription drug plan for you.
High Insurance Deductible or Self-Insured?
Many people are paying for a lot of their insurance costs out of pocket. Learning how to negotiate and review an itemized hospital bill will help one cut their insurance costs and save money.
Understanding Insurance Claims
Filing an insurance claim can be a worrisome process. It does not always have to be that way. Knowing more about car insurance claims, homeonwers insurance claims and life insurance claims before an insurance claims is filed can ease the fears often associated with the insurance claims process.
HIPAA Law and Regulations
What is the HIPAA Law? How does the HIPAA Law affect me? How do I make sure my healthcare provider is taking steps to comply with the HIPAA Regulations?
The Two Top Illegal Immigrant Insurance Issues
The issue of what services illegal immigrants should legally get in America is long and complicated. There are two services that tend to always be at the top of the list of services that really get Americans upset that they are available to illegal immigrants. When American citizens find out that there is free healthcare for illegal immigrants...
HIPAA Definition of the Top Three Most Common HIPAA Privacy Exceptions
After understanding HIPAA's definition and how it protects a patient's privacy one may be interested in learning about HIPAA's privacy exceptions. HIPAA's privacy exceptions give health care providers and others who are required to follow HIPAA an exception in some areas where they don't have to follow the rules outlined by the HIPAA law.
Bankruptcy and Medical Bills
The terms bankruptcy and health care go hand and hand. Startling estimates have found that more than 60% of bankruptcy filings are for medical bills. Even more startling is that the people filing for bankruptcy for medical bills are not just the uninsured but people that did indeed have health insurance.
Medicare Supplement Private Insurance Policies - Covering Gaps in Medicare
Medicare supplements are private insurance policies that are purchased in order to cover some or all of the gaps not covered by original Medicare. Original government subsidized Medicare parts A and B do not cover all out of pocket costs consumers will encounter if they become sick or injured.
The Stimulus Bill and COBRA Benefits
The American Recovery and Reinvestment Act, signed into law by President Obama on February 17, 2009, is a $787 billion stimulus bill. One of the many provisions of the bill is to directly provide relief to millions on the COBRA plan or ex-employees who need COBRA coverage. This "COBRA stimulus plan" will provide enrollees a COBRA premium subsidy along with providing COBRA benefits to ex-employees who denied coverage.
Your Insurance Open Enrollment
Is it time to review your insurance open enrollment health plan packet? All too often most don't take the time to really review their health plan enrollment packet so unfortunately, they don't always get the best coverage out of their open enrollment health plan packet. It is important to take time during your insurance open enrollment window to make the right choices since it will determine the type of health care you will receive for the next year.
Learn How to Replace Your Work Benefits Before Your Job Loss
Life, health, and disability insurance policies are a large part of one's work benefits. Unfortunately, when faced with a job loss, many lose these company group benefits. Your employee insurance benefits can be salvaged. By learning how to replace your work benefits before your job loss, you won't be dependant on your employee insurance benefits. Learning how to adequately replace your compa…
Choose a High Deductible Health Plan & Get Rid of the High Cost Health Insurance
It is no surprise that health insurance premium costs are skyrocketing. Unfortunately, because of the high cost of health insurance, some families have resorted to canceling their health insurance and paying for their medical expenses out-of-pocket. This may work for a while for those that are healthy and can afford a few doctor's visits a year, but, what would happen if they needed major surgery?
Help! I Need Affordable Health Insurance
The statistics are startling when it comes to the amount of uninsured Americans. But what does one do when they don't have a job and can't get affordable individual or family health insurance? Or, what about all the families that have jobs but still cannot afford the health insurance offered by their employers and can't find an option for affordable health insurance?
Alternative Health Care Insurance Choices: Medical Sharing
There is no doubt most Americans agree that health care costs are way out of line and it is next to impossible to find a lost cost alternative health insurance choice. This result has lead thousands of Americans to take a look at a different way to pay for health care premiums: Medical Sharing Networks and Societies
Membership Organizations and Health Insurance
Are you self-employed, home based, or a writer? Are you looking for discounted group health insurance? Most people obtain health insurance coverage through their employer. This leads to a lower insurance premium because the risk is spread out among the group of members. Not employed? You may still be able to benefit from group health...
Short Term and Temporary Health Insurance
When one is looking for health insurance choices, there are a vast variety to choose from. Most people choose the health insurance from their employer or their spouse's employer. But, there are many unique lifestyle situations people face and that requires unique health insurance choices. Short term or temporary health insurance may be an option for some.
If You Have to File a Health Insurance Claim Form
Sometimes, when you go to the doctor or other medical provider, you may be told that you have to submit your own insurance claim form. This means that the doctor or facility does not ask the health insurance company to pay for your bill and you must do so. If you have to file your own health insurance claim here are the steps you will need to take along with some helpful tips on submitting your insurance claim form.
Doing an Online Career Search? Think Insurance First
Advancing your career can often mean regular job changes. Now, more than anytime in the past, people have more job changes and are regularly doing online career searches. With new job changes comes benefit changes. Sometimes, you may choose to advance your career and get a new job just for a bigger paycheck but you may want to slow down that career search because that new job may not pay off like you expected.
Domestic Partner Health Insurance 101
Domestic partner insurance is when an unmarried couple in a committed relationship decide to share an insurance plan. Finding an insurance company that will accept you and your domestic partner can sometimes be a lengthy, time consuming process. Take a look at Domestic Partner Insurance 101 for information and help in finding domestic partner...
Understanding Your Health Savings Account
Using a health savings account to supplement your current health insurance coverage is a great way to save money on your health care costs. Along with saving money on your health care costs, an HSA can help you get your money working by earning you interest. And, you can save your HSA money tax-free. Check out these Top 10 HSA Frequently Asked Questions.
Understanding the Three Types of Health Savings Accounts
A health savings account usually supplements one's current insurance coverage. Health savings accounts pay for medical expenses that your health insurance coverage typically does not pay for. Depending on the plan you choose, whether a HSA, FSA, or HRA, the money is deposited either by you or an employer before it is taxed so it's like paying for out of pocket medical costs tax-free.
Health Insurance 101
There are more choices than ever to find affordable health insurance. One can get their local phone book and search for insurance companies that provide health insurance coverage or one could get online and quickly find web sites that can provide a health insurance quote. But just looking for affordable health insurance coverage can lead to gaps in your health insurance coverage.
The Basics of a Supplemental Health Insurance Plan
Aflac has made supplemental health insurance popular with their quirky duck. But what is a supplemental health insurance plan and do you need it?
Using Your Health Insurance Plan Wisely
The doctor you choose to provide you with your health care services through your health insurance plan is important. This will be the person who can ultimately change your future health for the better or worse. Choosing your health insurance plan doctor should not be a quick decision, but a researched choice based on the doctor's credentials...
Understanding Indemnity Health Insurance Plans
Unlike HMO and PPO health insurance plans, most indemnity policies allow you to choose any doctor and hospital that you wish when seeking health care services. Indemnity health insurance plans offer more flexibility in services, but sometimes that comes with an extra cost. If you have the opportunity to choose an indemnity policy for health...
When Insurance Billing is Wrong: Keeping a Personal Medical Log
Keeping a medical log of things such as conversations with your physicians, different procedures and surgeries performed, and prescription drugs prescribed is a way for you to be a pro-active participant in your HMO plan or other health insurance plan you participate in. Mistakes in insurance billing happen and if you have forgotten exactly what took place in your medical care or have no personal documentations, then it may be harder for you to challenge your insurance company if needed.
How to Cut Insurance Costs by Self-Insuring
Having a nice insurance portfolio can give one a sense of peace and security that all their needs will be met if an unfortunate emergency arises. But all to often we don't have enough insurance due to the inability to purchase what we need because of the cost. If you have been looking for a way to purchase more amounts of insurance, more policies, or just cut your current insurance costs self-insuring may help.
Understanding Your Health Insurance Policy
When searching for a health insurance plan or after you have already signed up, the plan terms, or descriptions of provisions and coverages can be confusing. Often when one is reviewing the terms they read some and say, “What does that mean?”
COBRA Insurance and Choosing to Continue Coverage
Although continuing COBRA insurance coverage through one's employer is a good option for many, it may not be the best choice for everyone. Depending on one's health status, finding private insurance to fill the gap may provide adequate coverage without the costly price tag of COBRA insurance.
Understanding the Managed Healthcare Alphabet: HMO, PPO, & POS
Managed Healthcare Plans are types of health insurance policies that help employers offer their employees discounted services by negotiating reduced charges with hospitals and physicians. There are three basic types of Managed Healthcare Plans: HMO, PPO, & POS.
10 Key Considerations When Comparing Health Care Plans
Having to choose between multiple health care plans can be a daunting task. Here are 10 key areas to consider when you need to find the best health care plan for your needs.
Knowing Your Health Plan Exclusions
What is covered on your health plan? What isn't? Find out here how to be sure what is not covered and view a list of common exclusions.
What is Universal Healthcare?
Universal health care gained popularity with former President Bill Clinton. Although President Clinton's proposal is looked at as a large failure, it did start the universal healthcare ball rolling. Here find advantages and disadvantages to a single-payer system in the U.S.
Keeping Your Health Insurance While in College or Moving Out of Mom and Dad’s
If you are still under your parent’s health insurance, but are soon to attend college or move out on your own, it’s time for you to start reviewing how you will continue your health insurance.
Infertility Treatments and Insurance: 5 Steps to Determine Coverage
Although many insurance companies do not specifically cover infertility treatments, that doesn’t mean every infertility treatment is excluded. Many plans may provide limited infertility insurance coverage or may be required, under state mandate, to provide some coverage.
The High Risk Health Insurance Answer: State Insurance Pools
A large majority of states offer risk-pools to help those who may not be able to have or afford health insurance because of their physical condition.
Cosmetic/Reconstructive Surgery: What Does Insurance Cover?
According to the American Society of Plastic Surgeons, approximately 6.6 million Americans had plastic surgery in 2002. That comes out to a lot of money in doctor fees, so who is paying the bill?
HIPAA and Your Privacy
The Health Insurance Portability and Accountability Act was signed into law on August 21, 1996 but health insurance companies did not have to fully adhere to the guidelines until recently. Find out here how the HIPAA affects you and ways to see if your health insurance company is protecting your privacy.
Insurance Companies that Provide Domestic Partner Benefits
Here is a comprehensive list, by state, of insurance carriers that provide insurance for domestic partners. Providers on this list are for individuals and companies looking for group health plans and include various coverages such as medical, dental, and life.
What's the Difference Between Medicaid and Medicare?
These government and state funded insurance programs benefit low-income and the elderly. Find out differences, coverages, and eligibility information.
The Top Ten Insurance Myths You Need to Know
Umbrella Insurance is for only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.
The Top 10 Personal and Business Insurance Tax Tips
When tax time comes there can be an array of questions about deductions and what to report as income. The Insurance Tax Do's and Don'ts list of tax tips below will hopefully help many with tax questions regarding insurance whether on a personal or business level.
All states have varying insurance laws. Want to know more about insurance laws specific to your state? Find your state commissioners website and phone number here.
Medicare Drug Assistance Programs
Search here for discounted or free prescription drug assistance programs in your area. Public and private programs are included.
Children's Health Insurance Assistance
Your children could qualify for free health insurance. Enter your state to find out more information on qualifications and coverages.
Content Submission Form - Writer's Guidelines
Do you have experience in the personal insurance industry? Here is your chance to get your article published on my site! I am looking to publish guest articles from experienced insurance professionals.
Understanding Your Health Insurance Deductible
The health insurance deductible is something that most people have heard of before and have some understanding of. Sometimes called a health deductible, medical deductible or health plan deductible, most are usually referring to the amount they have to pay out of pocket for certain health care procdures or before their health care plan will pay...