Articles for Health Insurance Types


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 ...

Company-sponsored Wellness Program

Health care Insurance per se does not normally include wellness programs in their policies. Health care insurance is basically used for emergency purposes, doctor’s visits and prescriptions. But you, as an employee, can still enjoy wellness programs through your company. Companies nowadays are investing ...

Blue Cross Blue Shield Association

One of the most recognized brands in the health insurance industry is the Blue Cross Blue Shield brand.  It’s also the largest, and the oldest family of health benefits companies in the United States, serving over a hundred million people in all regions of the country. It was 1929, a time when ...

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 ...

Worker’s Compensation Insurance

Almost all employees or workers have a company-sponsored health care insurance. This insurance takes care of them if they fall ill or have been involved in an accident or needs emergency care. There is another kind of insurance that is beneficial for both employer and employees or workers. This is ...

Travel Insurance

As an avid traveler, the concept of travel insurance is nothing new to me. In fact, I always make sure that I get or purchase travel insurance whenever I go on a trip. Admittedly, I only get the most common and sometimes cheapest type of travel insurance. The important thing is that I am covered. So ...

Guaranteed Issue Health Insurance

Guaranteed Issue Health Insurance provides comprehensive insurance coverage for the individual who has a pre-existing medical condition and is not eligible to get the standard medical insurance coverage. If you are suffering from heart disease, AIDS, diabetes or cancer, then Guaranteed Issue Health Insurance ...

Short Term Health Insurance

We’re lucky enough if our employers would give us that additional incentive of having medical insurance coverage.  That way, we wouldn’t have to worry about getting ourselves insured just in case any unforeseen illness befalls us.  But what happens if we suddenly find ourselves in-between jobs, ...

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 ...

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 ...

Health Insurance for Children

The State Children’s Health Insurance Program, or later more simply known as Children’s Health Insurance Program (CHIP) was created in 1997 to insure children in families with modest income, too high to qualify for Medicaid, and too little to afford private insurance.  This is the largest taxpayer-funded ...

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 ...

Medical Coverage in a Car Accident

When we acquire medical health insurance plans, people often mistake that they are also covered in the event of an accident.  However, it is not the case.  Health insurance is completely different from an accident insurance plan.  It is often a rider or bundled within the insurance plan that you ...

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 ...

Critical Illness Insurance

Critical illness insurance is a policy intended to relieve financial pressures by means of paying what is called a lump sum, free of tax in the event that the policyholder becomes seriously sick or completely disabled. This policy differs from one provider to the next, but all of them require that ...

Student Health Insurance

Simply put, student health insurance is a type of health insurance that is designed specifically to meet the health and medical needs of students. It is usually offered as a group benefit and is generally more inexpensive than traditional health insurance coverage availed of by adults and the working-class. You ...

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