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Category: Health Insurance

Health Insurance – Is Some Better Than None?

Health Insurance – Is Some Better Than None?

About 50 years ago, health insurance started to be an attractive incentive offered by employers to attract and keep good employees. Overall, group plans tended to be inexpensive for employers, with employees contributing a small amount of money or none at all to secure health insurance for themselves and their families. It was more expensive for individuals to pay for non-group policies, but coverage was fairly affordable. Then medical costs started to rise, people started to live longer and the…

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A New Idea To The Health Insurance Crisis In America

A New Idea To The Health Insurance Crisis In America

Lack of health insurance coverage for over 41 million Americans is one of the nation’s most pressing problems. While most elderly Americans have coverage through Medicare and nearly two-thirds of non-elderly Americans receive health coverage through employer-sponsored plans, many workers and their families remain uninsured because their employer does not offer coverage or they cannot afford the cost of coverage. Medicaid and the State Children’s Health Insurance Program (SCHIP) or HAWK-I here in Iowa help fill in the gaps for…

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It’s Important To Know What’s Not Insured!

It’s Important To Know What’s Not Insured!

Around 7 million people in the UK are covered by health insurance, the majority being covered through their employers. The problem is that few have really studied their policy documents and many misunderstand what is covered. And perhaps just as important, what isn’t. If you expect health insurance to pay all your health costs, you’re mistaken. Health insurance is designed to provide protection for curable, short-term health problems and allow policyholders to jump the NHS queues to see consultants, be…

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Different Types of Health Insurance in California

Different Types of Health Insurance in California

Whether you buy group or individual health insurance in California, the options you have regarding the different types of health insurance are generally the same. In some groups you can even choose from available plans. These different types are traditional health insurance, health maintenance organizations (HMOs), and preferred provider organizations (PPOs). California goes beyond the Federal requirements for offering health insurance to its residents. Examples of this include Industry Advantage plans (IAHP), short-term health policies, Insurance for high risk Individuals…

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Introduction To California Health Insurance In 5 Easy Pieces

Introduction To California Health Insurance In 5 Easy Pieces

Okay…so you’ve visited countless websites, received instant health insurance quotes and colorful benefit descriptions with enough small print to make you scream…WHAT DOES IT ALL MEAN (and who writes this stuff)!!! Well we didn’t write it but after years of reading it, we have boiled down the various plans to 5 key elements…and if you understand just these points…you will be able to walk into the California health insurance market with confidence (and a fair amount of sanity left).

Compare The Major California Health Insurance Carriers

Compare The Major California Health Insurance Carriers

Five Critical Criteria used to compare California carriers. 1. Health Plan pricing in the market. Ultimately, benefits need to be priced well relative to other similar plans on the market. Also, the plans have to make sense financially in today’s world of ever-increasing cost. Some large multi-line carriers like Principle offer extremely rich benefits that have completely priced themselves out of the market. There’s a “sweet spot” where plan design meets the consumer’s budget and that has to be a…

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