Articles for Health Insurance questions answered


Mental Health Benefits

Mental Health services have always been a part of medical care. Unfortunately, discussions and debates have been going on regarding costs, coverage and availability of services. Unlike other health care services that are state mandated, there is no concrete law that requires coverage of mental health.  ...

Medical Discount Plans: NOT Health Insurance

It is imperative to know that medical discount plans is not at all the same with health insurance plans. Health insurance plans protect the policyholder from almost all medical costs- services or treatments, doctor’s fees and prescriptions. But not everyone can afford health insurance plans especially ...

What is the Health Care Reform About?

Health Care Reform, simply put, is the term given whenever major changes or creation that is put to health policy is discussed. In this case, government policies that have tremendous effects on health care delivery in a given time and place. Health Care Reform generally challenges to improve health care ...

Mental Health Parity Act

Mental Health Parity and Addiction Equity Act (2008) or MHPAEA, helps prevent group health insurance plans of which mostly offered by employers, from restricting patients from accessing care by putting limits on benefits and requiring higher patient costs than those of general medical or surgical benefits. As ...

Health Insurance Claim Denied: What to do Next?

Denial of health insurance claims can be defined by a number of reasons. Some of which can be as simple as not having the proper documentations or missing data, to billing and coding error, while others may find themselves in a much more complicated predicament. There are a lot of places that you can ...

‘Young Invincibles’: Their role in health care reform

If you are between the ages of 19 and 29, a generally healthy individual and unconcerned about what could medically befall you in the future, thus, you go about your merry way without insurance, then you belong to this group of people called the “young invincibles”. Let’s make a clarification: ...

Public vs. Private Health Care

Health care insurance is a process wherein an insurance company pays for the medical bill of the insured. The amount being paid by the insurance company depends on the agreed coverage. There are essentially two types of health insurance plans in the US- public and private health care. Having either ...

Hearing Disability Benefits

People with disability are treated with utmost care in our society. It is common in every state law that disabled persons get priority and special treatment wherever they go. This is not done to discriminate them but rather to make them feel that having disability should not be seen as a disadvantage ...

Health Insurance for Seeing Impaired

Health Insurance has a lot of form and use. It is why doing research before getting one is the best thing to do. In that way you know you are only getting what you need and prevent high insurance cost. It is good to know that there’s also health insurance available for individuals with disabilities. ...

Dental Insurance vs. Discount Plans

It used to be that Health and Dental Insurance go hand-in-hand especially for an employed individual. As desperate times continue to loom around us, desperate measures are being done by employers to keep their businesses afloat. Sad to say, but it is the dental insurance that employers cut back They ...

Health Insurance: Common Myths and Misconceptions

The subject of health insurance can be both simple and complex at the same time.  It is simple in the sense that when you pay a premium then you get health insurance coverage. It is complex due to the fact that there is more to it than paying the premium. There are so many underlying factors behind ...

Private Health Insurance: Pros and Cons

Consider yourselves lucky if you are employed, and if your employer has made it an additional incentive for you to have health care insurance.  With the current state of the economy and with everyone looking to cut down costs, most people are left with such limited options when it comes to insuring ...

Putting Your Money Where Your Mouth Is: Finding Online Dental Insurance Quotes

We often neglect the health of our teeth and gums.  Because decisions these days are greatly affected by the cost of the services that are acquired, consumers often bypass the need for these simple things.  Without dental coverage, people would rather skip this need, thereby resulting to a greater ...

How to File A Health Insurance Claim

How to File A Health Insurance Claim When going to your medical provider, there are times when they do not submit the health insurance papers to the company.  You may be the one to shell out a sum of money to foot the bill, and then file an insurance claim to recover the cost.  It’s important that ...

Catastrophic Health Insurance: Is it for you?

The biggest cause for worry for any person at this time of economic crisis is how to budget the income per month to meet all of the family’s needs.  In reality, we recognize the importance of having to insure ourselves against any unforeseen events.  However, if we are on a financial crunch, we would ...

Hearing Aid Insurance: Coverage for a Necessity

Most of us take for granted the gift of hearing.  While the majority could use their ears to hear, there are those who, due to complications of a syndrome, genetics, or simply old age, need cochlear implants or hearing aids to enable them to hear. The problem lies therein.  Most people who need ...

The Good and the Bad: A Review of the Healthcare Reform

March 23, 2010, marked the signing of the Patient Protection & Affordable Health Care Act or HR 3590 (PPACA).  The President may not have claimed that it will solve all of the country’s problems regarding health care, but it will surely have started to take America in the right direction.  Apparently, ...

Federal Employees Dental and Vision Insurance Program

In a country, it is viewed that the people are its best assets.  It should not, therefore, come as a surprise that those people who work for the federal government and postal services, are entitled to health services that could help enrich their lives and take care of their well-being. One benefit ...

Ensuring Long-Term Care for Alzheimer’s disease

Alzheimer’s disease is the most common form of dementia, which is characterized by the progressive loss of memory and other cognitive abilities.  In 2008, an estimated 5.2 million Americans suffer from this disease, affecting 1 out of 8, for those over 65.* For those families who learn that their ...

Types of Health Insurance

Health insurance comes in many forms. Although no one type of health care is considered better than another, it really is just a matter of what an individual may need. Health insurance plans can be classified as either Traditional or Managed care. Under Traditional Health Insurance are the Traditional ...

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