Tips & Guides
Health Insurance Articles
Sourced from "Your Guide to Choosing Quality Health Care" (last updated July 2007) report published by the U.S. Department of Health
and Human Services, Agency for Healthcare Research & Quality. Original content can be found here.Today there are more health plans to choose from
than ever before. Not everyone has a choice. But if you do, this section can help you choose health insurance quote and a plan that offers the best
quality for you and your family.
Adapted from "Health Insurance and Women" (last updated July 2007) report published by the U.S. Department of Health and Human
Services, Office on Women’s Health. Original content can be found here.
The preceding article is sourced from the U.S. Department of Labor. Original article is here.
Unemployment causes obvious disruptions in one’s personal affairs. While continuation of health insurance benefits is understandably
not top-of-mind during transition periods, there are important considerations for people who have found themselves unemployed and without health
insurance coverage. There are risks to being without health insurance, both near-term in protecting against major medical expenses, but also longer-term
in your ability to enter into a more permanent health insurance plan.
While health insurance may not be a top consideration for individuals in the job market, the health care decisions made during the
job search period can have a long-term effect on your personal finances as well as your health if not properly planned. The period during a job search
is likely to involve a number of moving pieces, and balancing those obligations requires a coordinated effort on your part.
The time to think about how to pay for maternity expenses is before you begin planning for pregnancy, according to health insurance
experts. The very idea of health insurance coverage is a concept for "planning ahead" for unforeseen medical consequences. Pregnancy should not be
treated any differently. While it is still possible to obtain affordable health insurance coverage once you become pregnant, it can be more challenging.
"I am Recently-Married. Should I Transfer Under My Spouse’s Health Insurance Plan?" Life events, besides being milestone markers in
our lives, are also appropriate times to evaluate changes to your lifestyle and household options, including your new health insurance options and
needs. Marriage, though not as dramatic a change to lifestyle and personal budgets as the birth of a child, presents an opportunity for re-examination
of healthcare options, costs, and needs for you and your new spouse.
If you are in between jobs and previously had employer-based health insurance, it is critical that you avoid a prolonged lapse in
medical coverage. Health insurance companies try to control costs by invoking "pre-existing condition" clauses, refusing to cover treatments for a
medical condition they say you had before you purchased the health insurance policy.
Enrolled into college? Start looking for health insurance for students. Today, most colleges and universities require that students
have health coverage. Depending on the type of medical insurance, not all students are permitted to remain on their parents’ healthcare plans once they
are over 18 or living on campus. The good news is student health plans have been designed with all of this in mind.
For certain individuals, short-term health insurance, also known as "gap Insurance" is a very good, affordable health insurance
option. Short-term health insurance plans are ideal for people in transition. People who are between jobs, or have just started a job and are under a
waiting period until employer based medical benefits kick in, early retirees who are not yet eligible for Medicare benefits, and college students, all
have benefited from short-term Medical Insurance coverage.
Medicare Supplemental Insurance, also known as Medigap, is a private health insurance that provides you with additional benefits not
offered under standard Medicare Part A or Part B. Medicare Supplemental insurance plans are regulated by the federal government and there are 12
supplemental plan options to choose from. Any insurance company offering these plans must offer the exact same level of coverage.
While health insurance premiums have been on the rise for both group and individual health insurance policies lately, there are
still many ways you can save on individual health insurance. The key to saving money on individual health insurance is paying only for the benefits you
actually need, and not paying for those you do not. The best way to be sure to not overpay for unneeded medical coverage is to take a close look at your
overall health and healthcare spending habits.
Companies that provide full medical coverage for employee dependent care at no additional cost to the employee are increasingly
rare. If you are paying for your spouse and children to be covered under your employer-based health insurance, you may be surprised to find that you can
save money by purchasing individual health insurance for your dependant family members.