What are Health Insurance Exchanges?
Today, you could shop for health insurance by contacting several insurance providers. If you are interested in getting Kaiser Permanente coverage, click affordable medical insurance. In 2014, the plan is to have you go to a single marketplace or “exchange” to shop. Imagine the convenience and time savings of going to one location to find the information you need to get medical coverage.

Health Insurance Exchanges will provide consumers a resource or tool to help them choose a medical plan. For a preview of what the tool could look like, go to HealthCare.Gov to view the “Health Insurance Finder”. The resource that will be available in 2014 will be similar to the Health Insurance Finder in that it will ask general questions about your health care and budget needs. After you provide the basic information requested, your answers will bring up a list of the health plan options offered by the various insurance companies.
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Posted: March 31st, 2011 under Health Care Reform.
Comments: 4

With the exception of children younger than 19 and adults who are seeking group health coverage, people with pre-existing health conditions can still be denied for private medical insurance. The eligibility criteria varies according to each insurance company, but basically, underwriters are looking for health issues that are recurring, chronic, or severe.

High risk medical conditions commonly result in ineligibility for private health care. Other issues that could potentially result in non-approval would be behavioral disabilities, a worker’s comp injury where the claim is still open, and being an expectant mother or father. Other situations where a person could be denied would be silicone breast implants, being at an unhealthy weight for your height, heavy or frequent alcohol or tobacco use, taking illegal drugs, or having a prescribed medical procedure or treatment that has not been taken care of. Read more »

Posted: March 23rd, 2011 under Pre-existing Conditions.
Comments: 3

In light of the recent natural disaster in Japan, no doubt many of us are prompted to reflect on our own readiness to withstand an emergency. We do not want to be fearful or in panic mode, but we do want to consider our own state of preparedness. Emergencies come without warning. There is wisdom in having a plan in place if an earthquake or other hazardous emergency comes about. For some, just having a medical kit or knowing what to do in an earthquake may be enough information to save a life. This article is intended to invite you to become aware of what your core needs are in the event assistance is not available, and to develop a plan to meet those needs.

Practical Preparedness
Take inventory of the types of things you need in order to maintain life. Food, water, and prescriptions come to mind.
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Posted: March 17th, 2011 under Emergency Care.
Comments: none

Due to the potentially high costs that often go along with health care for children under 19, some insurance companies have opted out of being a carrier for private health insurance for children. Carriers that are still in the market to provide child health insurance, do so with the ability to apply premium surcharges. Despite the potential for higher rates for individual child health plans, it is still one of the viable options available so that no child need be uninsured. Read more »

Posted: March 9th, 2011 under Child Coverage.
Comments: 2

As health insurance specialists, we receive calls from many people who have lost their medical benefits after the loss of a job. Sometimes, it’s hard to find affordable medical insurance when the income is reduced, but it’s especially hard to find low-cost insurance when the person has pre-existing medical conditions. That’s because, at times, the premium could be increased for that individual.

With many challenges facing a good number of people, I’m finding a greater appreciation for the variety of affordable insurance plans that are available. There’s no cookie-cutter method that is a one-size-fits-all solution for everyone, but often, there is a way that is right. The answer may not be a perfect permanent solution, but it’s the best value for the time being. Usually, we can switch to another plan, when your situation changes. Cheap insurance doesn’t mean you’re taking on an inferior plan; it just means our focus for now is finding a cost-effective option.

Below are some common scenarios of people’s health insurance needs and some cheap insurance options that work for a good number of people. Perhaps, you will find yourself in one of these examples. I am hopeful that like them, you’ll either find an affordable medical insurance plan from what we have to offer, or at least, it’ll trigger another idea for obtaining cheap insurance that would work best for you.
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Posted: March 4th, 2011 under Health Insurance.
Comments: 1