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Student health insurance plans are specifically designed for individuals who are currently full-time students. Today almost all colleges and universities require that their student body has health insurance. While most of these institutions offer their own student health plans at an affordable rate, you also have the option to purchase a plan through a third party.
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Short-term medical insurance, also known as temporary medical insurance, is especially designed for individuals who find themselves in need of a flexible health plan that only covers them for a brief period of time. These plans are usually purchased by individuals who are going through a period of transition in their lives. We know that deciding which plan is best for you is hard, since there are several options and alternatives to choose from. More ›

PPO stands for Preferred Provider Organization, which is a type of managed organization that can be defined as a system of health care providers, or a network that has been set-up and organized by the health insurance company. Typically the practitioners who provide medical services to insured members sign a contract with the PPO system. These doctors, clinics, hospitals, and specialists have agreed with the PPOs schedules and guidelines to serve the insured members. More ›

Medicare supplemental health insurance, also known as Medigap insurance, is a type of health insurance offered by many private health insurance companies. This type of health insurance is meant to fill in the gaps that Medicare can leave. If you are enrolled in Medicare and yet find that it is often insufficient, Medigap might be the best option for you.
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Limited benefit medical plans are a way to get at least some affordable health insurance protection for you and your family. While certainly not as comprehensive as a standard health insurance policy, they may be the only option for those who cannot obtain, or cannot afford more complete health insurance. Some states require that such limited benefit plans meet a certain minimum standard for coverage.
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Access to affordable individual health insurance plans provides you and your family with peace of mind. Choosing the best health insurance plan can be difficult. Learning as much as you can about your health insurance options can help you to make an informed decision. Here are some of the most frequently asked questions about purchasing a health insurance plan.
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A Health Saving Account plan is a great option for individuals who are interested in saving money today to pay for future medical expenses. There are several requirements in order to be accepted for enrollment in an HSA: applicants need to be approved within a High deductible health plan (HDHP) and applicants must be under the age of 65. An employer can offer HSA plans to their employees.
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HMO stands for health maintenance organization. While HMOs have been much maligned over they years, they are in fact a great and affordable way to provide health insurance for you and your family. In reality, HMOs provide you with the most comprehensive coverage at the most affordable rates, especially when compared with other private health insurance options.
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Group health insurance is a health program provided by an employer or trade group or organization, purchased from a health insurance provider by the business owner or group. Group health insurance has great benefits for both the providing company or organization, and the employee or members of the group. The following is a guide to help answer your questions and concerns regarding group health insurance plans: Why Purchase or Provide Group Health Insurance? Depending if you are an employer or an employee there are several reasons you should want to enroll in a group health insurance plan: If you are an employer some of the benefits that group health insurance plans offer are: In most cases, the payroll taxes are reduced.
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One of the most common supplemental health insurances people purchase is dental health insurance. Very few traditional health insurance plans these days include dental coverage, yet proper dental care is very important to your health and the health of your family. Here are some of the most frequently asked questions about dental health plans, to help you choose the right kind of dental coverage for you and your family.
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The following is an update on COBRA benefits which have been extended to displaced workers beginning in 2009.  This information can be referenced directly at the U.S. Department of Labor’s website here.  The Obama Administration’s American Recovery and Reinvestment Act of 2009 (ARRA) provides for a 65% reduction in COBRA premiums for certain assistance eligible individuals for up to 9 months.
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As costly as health insurance can be, today the cost of going without health insurance can be even greater. Medical expenses were the number one reported reason for bankruptcies last year. Adequate health insurance not only protects the health of you and your family, but can save you from financial ruin in the case of serious illness or injury.
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High-Risk Health Insurance Pools, also called “State Comprehensive Health Insurance Plans”, or simply “High-Risk Pools”, are state programs that provide health insurance benefits for individuals who are unable to attain private market health insurance for medical reasons. Enacted by state legislatures, risk pools are special programs to provide backstop of coverage for the "medically uninsurable" population.
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Children's Health Insurance Program, or CHIP, was created by the federal government ten years ago to provide health coverage to children and teens in families below earning up to 200 percent of the federal poverty line (FPL).CHIP or SCHIP, was created to help to insure children and in some cases pregnant women, who are of limited income, but earn too much to qualify for Medicaid.
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Medicaid is government provided health insurance for those of low to moderate income.  Medicaid is a federal program but it is administered and regulated on the state level, and requirements and benefits vary from state to state. Medicaid currently provides affordable health insurance, premium assistance, and long term care services for more than 55 million U.
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Medicare is the health insurance program administrated by the United States government. With the primary goal of providing health insurance to the senior segment of the population, this health insurance is specially designed to cover individuals over the age of 65. Other eligible persons include those that are permanently disabled or suffering from End Stage Renal Disease or Amyotrophic Lateral Sclerosis (ALS).
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Discount health plans are not health insurance, though they are often confused with health insurance plans. A discount health plan however, is sometimes the only option for someone who cannot afford or otherwise qualify for traditional health insurance. In a discount health plan a group of health providers such as doctors, specialists and hospitals have agreed to offer members in the plan medical services at a significantly discounted rate.
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When it comes to medical insurance, all the experts agree that having something is better than nothing.  Catastrophic health insurance, also known as major medical insurance is an affordable health insurance option that can protect your family and help pay your medical bills in the event of sudden illness or serious injury. Catastrophic medical plans come with high deductibles; as such they are not designed to pay for routine doctor’s office visits, prescription drugs, maternity care, or non-life threatening trips to the emergency room.
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While the terms "broker" are typically used interchangeably with the term "agent", there is a subtle difference between the two that is important to understand when requesting health insurance quotes.
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Agent: A person who represents an insurance company and solicits or sells the company’s insurance products. An agent may represent a single company or multiple companies.  Claim: A request that you or your health care provider makes to the health plan to pay for a health care service provided to you. Most health plans require claims to be in writing.
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Dental insurance is one of the most commonly purchased private insurance types and essential to have if you are interested in preventing unplanned dental expenses, or keeping your dental and oral health in the best shape you can. Dental health insurance may provide benefits for several different types of dentist services, including: Cleanings Radiographs ( x-rays) Crowns Fillings Oral surgery Orthodontia The comprehensiveness of a dental health care insurance plan can vary substantial with the most complete coverage available to employer sponsored large groups.
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Student Health care insurance provides a less expensive alternative for health care coverage for full-time college students. Many colleges will have school sponsored student health insurance plans, available exclusively to students attending that college. However, there are many insurance companies that offer health insurance to students that can be purchased in lieu of the health plan offered through the university.
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Short term health insurance is a common option for individuals who are going through a period of transition in their lives. If your necessity is a flexible plan that protects you from any potential financial distress in the event you suffer from an unexpected injury or illness, a temporary health insurance policy may well be your quick and easy solution.
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Medicare Supplemental insurance is purchased by any person that is Medicare eligible and enrolled in Medicare Part A and Part B. The insurance contract is between the individual and the insurance company and the federal government is not responsible for paying the monthly premium to the insurance company. Some states provide assistance to seniors in paying for Medicare Supplemental insurance, but that does not alter the amount that will need to be remitted to the insurance carrier that provides you with these additional benefits.
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Despite increases in costs and the cutback of health-related benefits in recent years, close to 60% of Americans who have health insurance receive employer-based group medical benefits. While the market for individual or private health insurance is expanding, there are still many advantages to getting your health insurance coverage through a group health insurance plan.
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When it comes to medical insurance, all the experts agree that having something is better than nothing.  Catastrophic health insurance, also known as major medical insurance is an affordable health insurance option that can protect your family and help pay your medical bills in the event of sudden illness or serious injury.
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Individual health insurance is the main type of health insurance purchased by persons that do not have access to a group health plan through an employer. Although the use of the term ”individual” may suggest health insurance for a single person, this type of coverage may include immediate family members. The insurance contract is between the “applicant” and the insurance company and responsibility for payment of premium is solely on that individual applicant.
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