Articles for Health Insurance Types


Long Term Care Insurance

The daily activities of life, while significant and worthwhile, are often taken for granted by many. Until tragedy, or old age, strikes and then we are faced with having to rely on other people for help with even the most menial tasks. Long term care insurance proves to be helpful with providing for ...

Orthodontic Dental Insurance

Dental insurance policies cover mostly the basic dental services such as cleaning, extraction, filling and some other procedures that are considered to be normal or usual. It does not, however, cover orthodontic dental care. This is primarily because the cost of having braces is much too expensive. There ...

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 ...

Direct Reimbursement Plan

With the cost of living soaring high while the economy is barely making it, people are always looking for economical ways to protect themselves from unforeseen events or emergencies. It is no surprise that the first thing that makes the cut is insurance- whether car, medical or dental. This is the ...

Benefits of Family Dental Insurance Plans

One of the most overlooked insurance is Dental Insurance, individual and family dental insurance. Working individuals usually get their dental insurance from their employers but normally just the basic coverage.  For those who are married with children, they often neglect getting a dental insurance ...

Small Business Dental Insurance

More and more people are getting conscious about their health, and it is a blessing to know that we now have a lot of options to choose from when it comes to securing our future.  Before, insurance was always viewed as an additional expense and we couldn’t care less about getting ourselves ample ...

Indemnity Plans

Searching for the perfect health plan for you and your family may be a little bit tricky, especially if you are just starting to feel your way around the place:  so many terminologies to understand, and options to choose from.  One good thing about this is that there is a world of information out ...

Discount Dental Plans

These days it is important to make sure every aspect of your life is protected from any unforeseen circumstances.  You drive a car; you get your car insured.  You may have health problems; you acquire health insurance.  You have dental problems?  Well you guessed it right, dental insurance is ...

Cosmetic Dental Insurance: Do YOU need it?

Yes, there is such a thing as cosmetic dental insurance.  You’d think it was not possible because this has been a controversy for insurance companies.  Again, the great debate about whether to provide coverage for certain procedures under this umbrella is very much in question.  Cosmetic Dentistry ...

State Insurance Mandates for Hearing Aids

Mandates are benefits that each state requires from their health insurance agencies. Even though more mandates are favorable to patients because it forces insurance companies to pay for more services, in general, it increases the price in the coverage. Every state differs from their mandatory insurance. ...

High Risk Pools (benefits, enrollment, cost)

Most people, if they are lucky enough, get to enjoy their health insurance through their respective employer or through the employer of a family member through a group health insurance. Today, roughly 60 percent of the country is insured by their employers, and roughly 30 percent gets their insurance ...

Emergency Dental Insurance

Dental care nowadays can be really expensive. This is why it is usually a good idea to have some sort of dental insurance should any problems regarding your teeth and gums arise to help cover with your dental costs. If you are still 25 and below, it is also good to see and check if you are still considered ...

Dental insurance for the self-employed

Like with most things many people feel that having your own business or being self employed has numerous upsides that outweigh its downsides.  Being self employed has its own drawbacks but has its own benefits as well. One of the major issues of being self employed is the decision of getting yourself ...

Medicare and Medicaid

Medicare and Medicaid are two governmental programs providing health-related and medical services to distinct groups of people in the United States. They were both formed when President Lyndon B. Johnson signed amendments to the Social Security Act on July 30, 1965 and are also both managed by a division ...

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 ...

Traditional Health Insurance

Even before Health Maintenance Organizations (HMOs) came into the picture, traditional health insurance was the known standard.  It is also known as indemnity or fee-for-service health insurance. With the traditional kind, they offer the most choices for doctors and hospitals.  You do not need a ...

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 ...

Health Care for the Elderly

In 2011, over 78 million will turn 65 years old, the age where health care starts to get really critical.  The population that comprises this bracket is being taken care of by about 48 million men and women, who do not receive the proper support they should be receiving as well.* Truth is, there ...

Group Health Insurance: Pros and Cons

Group Health Insurance is defined as “health insurance that covers all eligible people in a group regardless of their age or physical condition.”*  In the United States, employers have mostly been the provider of group health insurance, hence the concepts of employer-based insurance and group insurance ...

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