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Health Insurance - Are You Covered? By: Jeff Lakie: With the ever-increasing cost of health care, procedures and medicines, it's no wonder that the cost of health insura... the cost of your insurance premiums. Look for policies that don't include maternity benefits and cancer plans as more a... Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset By: Elena Fawkner: Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset © 2002 Elena Fawkner "I've been con... you must be a resident of the state from which you seek coverage (unless there's reciprocity between that state and the... Beat Your Competition By Controlling The Cost Of Your Health Insurance By: Michael Ertel: As many of us expect, the New Year will bring both tremendous challenges and opportunities for all of us both personal... of their employee benefit programs have an excellent opportunity to gain an advantage over their competition.What are s... Health Insurance policy choices By: Tony: There are two primary types of heath insurance programs these are Managed Care Health Insurance and Fee-for-Service He... to the patient or policy holder. A doctor or medical practitioner of their choice can see the medical caregiver or the ... Where To Find Cheap Health Insurance By: Bob Hett: Health insurance costs are rising all the time. Many people feel they cannot afford health insurance. Others feel tha... is protection against the possible health problems that could happen in the future, and you have absolutely no way of k... Solutions for Health Insurance Coverage Jill R. HylandWhen it comes to health care, there is no "one size fits all." Ideally, working for an employer who offers non-contributory health insurance is what most of us would aspire to. However, that is not a realistic scenario. Finding affordable, adequate health care coverage is a huge problem in our country right now. If you are in a situation where you require certain medications and have no access to reduced rates on prescriptions you can almost bet the farm that you will be paying top dollar for the medications you need. When considering a change in employment, scrutinizing the potential employers health care plan is a given. Sadly, many people look at everything about a new job except the health care plan. Contracting a debilitating illness or becoming an unwilling participant in an accident is not something that anyone can foresee. Life situations change and a health care plan that was adequate for a single person may not apply should he/she marry and even have children while employed. If their policy has no provisions for the addition of dependents in the future you can find your health care woefully inadequate. Take the time to project what your future situation might be and plan accordingly. One of the most overlooked segments of our society are the self-employed. Depending on age and dependent requirements, the cost for individual coverage can be astronomical. If you are self-employed or a very small business owner, consider joining a local association like a chamber of commerce, better business bureau or some other type of business organization. Many of these organizations offer access to health care that might otherwise be prohibitive on an individual basis. Unless you are in a category considered as "low income" that would afford you access to social health care, you can plan on paying hefty premiums. If you have a pre-existing condition, your chances of obtaining affordable rates are statistically very low. But, there are some things you can do. Some tips to bear in mind are: - Make certain you are looking at insurance that is appropriate and adequate for your needs. - Read the fine print so you understand what is included and what is excluded. - Never buy a policy that covers a single disease. - Are there deductibles and if so, how much? - Does the coverage include major medical? - What is the maximum out of pocket expense you can expect to incur? - When does coverage begin? - Does the coverage include prescriptions? - Are lab fees and x-rays included? - Can you choose your own physician or select from a list of providers? - What is most important to you? - Does the coverage include dental, vision, maternity, well-baby care, etc. If you are in that "no mans land" where you do not yet qualify for Medicare, Medicaid or any of the other social programs yet are too old for individual coverage you might take a look at AARP. It can provide a stop gap for that period of time while you are waiting to qualify for assistance. If you are a young single parent, investigate any subsidized programs that might be available in your state. Many states have programs that will provide care for your children if not for yourself. These social programs are generally based on a sliding scale based on your income level and in many cases visits and prescriptions for your children might be free of charge. Investigate non-insurance type programs. If you find yourself not able to pay the hefty monthly insurance premiums, can't get the coverage you need, or fall into areas that are not covered by traditional health insurance means, this type of program can literally save you thousands of dollars. This non-insurance solution gives members negotiated reduced fee schedules or discounts for medical, dental, prescriptions, hospitals, vision care, and more. With the skyrocketing costs of health care, no one should ever feel embarrassed or sacrifice the health of themselves or their loved ones by applying for any type of assistance that might be available to meet their needs. Until something happens to curb this upward spiral we must all take special steps to see that the most vulnerable members of our society receive the health care they need... namely, our children and our elderly. About the Author Jill R. Hyland is an Independent Marketing Representative, National Director for Maxous, Inc., a non-insurance company saving people 20% to 50% on things people purchase every single day, such as Fast Food-Dining, Medical, Movies, Prescriptions, Car Services, Vision, Legal, Dental, Golfing, Bowling, Haircuts, Travel, and much, much more - As Low as $19.99 per month for the whole family! http://www.discountspro.com Check below for additional Child Health Insurance program Links and Information - SaveIllinois KidCare It's a state program that offers health care coverage to children; pregnant women and their babies or helps in paying premiums of employer or private health insurance plans. - SavePA Insurance: Children's Health Insurance Program Children's Health Insurance Program Abstract: 1-800-986-KIDS Click here to apply online!CHIP is Pennsylvania's program to provide quality health insurance for children of working families who otherwise could not afford it. 2005 - The Health ... - SaveCHIP - Children's Health Insurance Program Children's Health Insurance Program - SaveChild Health Insurance Program - Company Profile Information Child Health Insurance Program company profile report from D&B. Purchase and instantly access company data to obtain contact names; verify company address & size; qualify leads; locate supply... - SaveEvaluation of the National Mother Child Health Insurance Program in Bolivia (PDF) September 1998. Evaluation of the National Mother Child Health Insurance. Program in Bolivia. Bolivia's National Mother Child Health Insurance. Program (Seguro Nacional de Maternidad y. Niñez SNMN); introduced in 1996; is a - SaveNCSL: New Children's Health Insurance Program ... to include inpatient care. Pennsylvania's Child Health Insurance Program--$53 per month ($636 annually ... match; such as existing child health insurance program funds and indigent care ... - SaveChild Health Insurance Program Keyword: Child Health Insurance Program. Publications available from the EMSC National Resource Center. Resources available from other organizations - Save100% Campaign Promoting a child health insurance program to ensure that all California's children obtain health coverage regardless of race; immigration status or income. - SaveBuilding On Child Health Insurance Program Expansions: An Opportunity To Make A Difference The Commonwealth Fund. Browse by Topic. Posted: July 23; 1998. Related Resources. Fund Publication. Building On Child Health Insurance Program Expansions: An Opportunity To Make A Difference - SavePA Department of Insurance Department of Insurance. This site is a<br- resource for consumers and the insurance marketplace<br-to gather information about various types of insurance<br-seeking data about an insurance company; or requesting<br-a complaint form that can be ... - SaveChild Health Insurance - Resources for Families Child Health Insurance Program - Resources for Families - SaveNRC-State Child Health Insurance Program (PDF) ... Major Provisions of the State Child Health Insurance Program [Title XXI] Why is a child health insurance program. important? § Nearly 10 million children are uninsured; 90 ... - SaveMajor Provisions of the State Child Health Insurance Program Fact sheet on State Child Health Insurance Program - SaveThe New Child Health Insurance Expansions: ... the relationship between the State Child Health Insurance Program (SCHIP) and school-based health ... The State Child Health Insurance Program. Under SCHIP; Congress has authorized $40 ... - SaveCHildren's Health Insurance Program South Dakota Medical Assistance. Children's Health Insurance Program (CHIP) - SaveTexas Bolsters Child Health Insurance Program ... Texas Bolsters Child Health Insurance Program. Grant Results ... |
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