Articles for Health Insurance


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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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