Articles for Health Insurance questions answered


Pros and Cons of Individual Health Insurance

Unemployed and self-employed people commonly get individual health insurance plans. Before one can avail of a private or individual health insurance plan, a series of exams, surveys and an interview should be completed. The exams help insurers assess the current state of health of the person. The ...

Pros and Cons of Group Health Insurance

Group health insurance provides health care coverage for a group of people. Here, people enroll in a group plan to get health insurance coverage instead of an individual insurance plan. This is often linked to insurance given by employment to a company or a small business establishment but it is not ...

Health insurance scams

Health insurance scams The recent economic downturn, rising unemployment rates and skyrocketing health coverage premiums have set the stage for unscrupulous individuals and companies. They prey on the helpless, despairing, ‘pushed-to-the-limit’ populace and the results are depressing at the least ...

Health Insurance Mistakes to Avoid

In these tough financial times, the primary concern for many is to find ways to save money. What’s equally, if not more important is to find sufficient health care coverage. So many people are walking around with inadequate health insurance, and even more are going without it. Some think it’s ...

Bipolar Disorder: Is there room for it in health insurance?

According to the National Institute of Mental Health, bipolar disorder affects approximately 5.7 million American adults, or about 2.6 percent of the U.S. population age 18 and older in a given year.* These men and women, like you and me are in need of health insurance, and they require medical attention ...

Why do women pay more for health insurance premiums?

It is disheartening to know that at this day and age discrimination still happens. Not based on race but on gender. Asking women to pay more for insurance premiums than men with the same coverage and age bracket is a form of discrimination. The difference in the premium is not just 10% or 20%. It’s ...

Group Coverage Versus Individual Coverage

Whenever we go to markets or outlet stores or bazaars, it is always cheaper to buy things in bulk or wholesale. It is like the more things you purchase, the bigger the discount you will get. This also holds true in getting insurance. There are two ways you can be insured- as an individual or as part ...

Getting Dental Insurance Online

In this age of technology advancement getting what you want or what you need is just within your grasp- literally. The Internet has made it possible to purchase almost anything while you’re at the comforts of your home. One of the many industries that took advantage of this is the Dental Insurance ...

Choosing a Health Care Provider

Choosing the right health care provider is a task so unnerving that we tend to put it off until the last minute. With the economic climate changing, the issue of health care becomes the least of your priority. But on the contrary, it is because of this economic seesaw that we should be more vigilant ...

Why don’t health insurance companies pay for hearing aids?

Consider the statistics: About 2 to 3 out of every 1,000 children in the United States are born deaf or hard-of-hearing. Nine out of every 10 children who are born deaf are born to parents who can hear. There is a strong relationship between age and reported hearing loss: 18 percent of American adults ...

Advantages and Disadvantages of Managed Health Care

Managed health care is probably the leading form of health care in the United States. Whether as a benefit from employers or enrolled independently, those who are fortunate enough to have health insurance, are apt to be getting it from a managed health care provider. The most common forms of managed ...

Cosmetic Dentistry Cost

Sometimes maintaining that beautiful smile requires more than those regular dentist check ups. If you are one of those individuals who feel that regular cleaning and dentist visits just don’t cut it, then maybe a cosmetic dentist treatment is just what you need for that smile makeover that you’ve ...

Obamacare: A Real Reform?

In March 2010, the United States government had passed a new health care bill called the Patient Protection & Affordable Care Act, H.R. 3590 (PPACA).  This was signed by President Barack Obama into law on March 23, 2010.* PPACA includes numerous health-related provisions as the following: Prohibiting ...

You and Your Health Insurance

It’s natural for us to look after our future and put our money where we can grasp security by its handles.  Among the list for these assurances is Health Insurance.  Like any other payable on the list, the recent economic crunch has brought consumers to the point of having to explore options on how ...

Cosmetic Surgery and Health Insurance: Am I covered?

Cosmetic surgery is so much of a trend nowadays.  Vanity has pushed people to the limits and cosmetic surgery has been the gateway to enhance, or even change, these unwanted or unflattering things in our own bodies. The cost of cosmetic surgery is not one for the weak. You will need to have a substantial ...

Projected and Rising Health Insurance costs

According to the U.S. Census Bureau, employers offering health care coverage to its workers have dropped from 59 percent in 2001 to approximately 55 percent in the latest data. Employers most often cite the escalating premiums as why they drop coverage or do not offer health insurance coverage at all. Every ...

Benefits of having primary and secondary health coverage

There are many reasons why any individual may have more than one insurance plan. You can acquire it through your spouse as a dependent on her plan while you yourself are covered as an employee where you work or you may have individual health insurance and kept it active after you enrolled in your employer’s ...

Benefits of Dental Insurance or Dental Plans

Maintaining a good healthy smile is a tricky business. Good dental health care is never easy in terms of time and money. But one thing we need to remember is that you can tell a good dental health care plan if it actually makes your dental costs lower. A good dental health care plan should actually reduce ...

Should you travel abroad for medical treatment?

Traveling abroad for medical care (also known as medical tourism) is the term used to describe the act of traveling to another country in order to obtain medical, dental, preventive and surgical care. It can save you money. But should you do it? If the 750,000 Americans who traveled abroad for medical ...

How do I switch health insurance companies without a gap in coverage?

It’s bound to happen, one way or another. Graduating from school, losing dependent status or changing jobs – even a divorce could force you to switch health insurance providers. You want to make sure that you’ll still be getting the best coverage under a new insurance company. Additionally, it ...

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