Save Money on Health Insurance by Applying Early
By Esmeralda Mercado
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Posted: May 11th, 2012 under California, Esmeralda Mercado, Health Insurance, Kaiser Permanente.
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Health Insurance
Maternity Coverage and the Million Dollar Baby
Recently, a couple from Australia received a million dollar hospital bill because their travel insurance did not cover pregnancy delivery outside of the couple’s country. The couple (John Kan and Rachel Evans) had purchased two travel type insurance packages because both insurance companies claimed to have maternity coverage. However, during their vacation to Vancouver, B.C, Rachel unexpectedly went into early delivery, and they found out that maternity services and baby delivery were not covered by either of these insurance packages. While they are overjoyed by their new daughter and do not begrudge their situation, any financial relief would be welcomed by any parents faced with a million dollar hospital bill.
Posted: April 30th, 2012 under California, Emergency Care, General Interest, Health Insurance, Thomas Cazneau.
Comments: 8
The Supreme Court and Health Care Reform
This blog is intended to give an overview of the latest Health Care Reform news with the Supreme Court, and to invite people to share their own questions and theories.
The Supreme Court Marathon
The Patient Protection and Affordable Care Act (“PPACA” or “ACA”) was signed into law on March 23, 2010. Two years later, the Supreme Court considered its constitutionality after 26 states challenged the law. The case proceedings spanned a three day marathon, from March 26 through March 28, 2012. Many were surprised to find that the lawsuit was not dismissed automatically. Oral arguments revealed that the justices were divided on the law. Many tough questions were asked and remain unanswered. The arguments boiled down to a question of jurisdiction or boundaries of power: Does the Constitution’s Commerce Clause give the government the right to force its citizens to buy medical insurance? How much control does the federal government have over the states?
Posted: April 13th, 2012 under Esmeralda Mercado, General Interest, Health Care Reform, Health Insurance.
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Health Insurance Brokers and Affordable Medical Insurance Now
By Jacob Hansen
Some people think that they have to get medical coverage directly from the health insurance company in order to get the best price. In reality, you will get the same exact price for your health insurance whether you go through the carrier or a health insurance broker. This is because according to federal law, a broker cannot charge fees or raise the prices for health insurance. For more information, click Health Insurance Broker.
Posted: April 11th, 2012 under General Interest, Health Insurance.
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Things You Need to Know Before Completing a Health Insurance Application
Ok. So you’ve been shopping for a health insurance plan for your family. You’ve collected quotes, compared plans, and now you’re ready to apply. Your next step to getting health insurance shifts to new questions. Is completing an application fairly simple? Are there steps you can take to improve your chances of getting approved? Is there a way the process can be speeded up? Could you apply for one plan and put other family members on a different plan? Yes, yes, and yes! See below for what to expect when applying for health insurance. For more information and a visual display of the steps, please click private health insurance.
Posted: March 27th, 2012 under Associate Blogs, Esmeralda Mercado, Health Insurance.
Comments: 3
Options after a Health Insurance Denial
By Angie Perez
What do I do if I’ve been denied health insurance? Where can I go? Who will insure me? What are health insurance company’s requirements for someone looking for coverage? Do I qualify for coverage if I have a preexisting condition? If I’ve been denied for health insurance before, will I be denied again? All of these questions go through most shoppers’ minds as they begin the process of looking for insurance. Look no further; you will find all the answers to these questions by the time you have completed reading this little article. For information about your other options for medical coverage, click What to Do if Your Health Insurance is Denied.
Posted: March 21st, 2012 under Health Insurance, Pre-existing Conditions.
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Comparing Kaiser Permanente HMO and HSA Plans
With terms like “deductible”, “HMO”, and “HSA”, choosing a health insurance plan can seem like trying to learn a new language. Below I will focus on defining the basic features between Kaiser Permanente HMO vs HSA plans for individuals and families. For more details on what to look for in a Kaiser Permanente HMO or HSA Deductible plan, click Compare Health Insurance.
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Posted: March 7th, 2012 under Deductible Plans, Health Insurance, Kaiser Permanente, Thomas Cazneau.
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The New $40/$3000 Deductible Group Health Insurance Plan
I work for a health insurance agency that sells Kaiser Permanente Group Health insurance for self- employed people and other small businesses. Recently, Kaiser Permanente introduced a new California group health insurance plan that I’m really impressed with. It shows Kaiser Permanente’s commitment to helping consumers and current members get a medical plan that fits their medical service needs without breaking their pocketbook.
Posted: February 28th, 2012 under California, Deductible Plans, Esmeralda Mercado, Health Insurance, Kaiser Permanente, Small Business.
Comments: 2
Kaiser Permanente Maternity Insurance on 3 More Health Plans
With Gov. Jerry Brown’s passing of SB 222 and AB 210, health insurance policies must soon include maternity benefits starting July 1, 2012. Accordingly, carriers such as Kaiser Permanente in California will be adding pregnancy coverage to three private plans, which currently exclude maternity insurance: the $40/3000, $40/4000, and $50/5000 Deductible Plans. As a health insurance broker for Kaiser Permanente, we are excited about the change. We are looking forward to these popular plans drawing even more interest. Although rates may change, we anticipate that the three plans will continue to offer some of the lowest priced options, and now, include affordable maternity coverage. For more information, click Kaiser Permanente California Individual Health Insurance.
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Posted: February 14th, 2012 under California, Esmeralda Mercado, Health Insurance, Kaiser Permanente.
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Mental Health Insurance and Overview on Mental Disorders
According to The National Mental Health Association, about 54 million people in America have a mental health disorder. Another study reports that one out of four people have a mental illness. In California alone, the Department of Mental Health has a budget of over $4 billion and more than 10,000 employees dedicated to the treatment and prevention of mental disorders in the state.
Mental Health Insurance
Kaiser Permanente has numerous plans that include mental health coverage. In California, for example, all individual and family plan offerings insure mental health services. Benefits usually apply to outpatient individual or group visits, as well as to hospitalization and intensive psychiatric treatment. Prescription drugs are covered, if the policy you selected includes the benefit. Plans vary, so be sure to verify with your insurance representative.
Posted: January 12th, 2012 under Esmeralda Mercado, General Interest, Health Insurance.
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