Health Insurance

Health insurance can be as complicated as it is expensive. When making your selections, it's important to understand all the factors to get the best coverage for you and your family.

Millions of Americans are self-employed or work for companies that do not offer health insurance benefits to employees. They are left to fend for themselves and find appropriate health coverage...

According to the National Directory of Marriage and Family Counseling, marriage and family therapists cost about 40 percent less than psychiatrists and 20 percent less than psychologists. The...

Health insurance companies commonly use exclusion riders to exclude or limit coverage for a specific condition. An exclusion rider is also referred to as an impairment rider. It is a separate...

COBRA, or Consolidated Omnibus Budget Reconciliation Act, is a federal law that was passed in 1986 which addresses the continuation of health insurance coverage if you leave your job.

According to a study conducted in 2001 by the Kaiser Family Foundation, up to 35 percent of people with pre-existing conditions can expect to be rejected for health insurance coverage. Only 12...

As medical costs continue to ride, it becomes increasingly important for consumers to obtain quality health insurance coverage. For those who have congenital health conditions, though, this is no...

Health insurance is vital to families because it offsets the costs of health care. You often have an opportunity to enroll yourself, as well as your dependents, in your health care plan....

Medicare is the primary health-care program run by the federal government. It is meant for people age 65 and older, and despite some limitations, is still considered comprehensive enough to serve...

Congress guarantees that employees may continue the health insurance coverage provided by a former employer through the Consolidated Omnibus Budget Reconciliation Act (COBRA) program. In return...

When you own a business, all your employees are important--from the person who sorts the mail to the person who balances the accounts. But most of the people you employee are replaceable. Those...

If you have lost your job or are changing employers, you may wonder how long you can maintain your health benefits through COBRA. Understanding your options can help you plan for your financial...

If you have lost your job or are thinking about changing employers, you may worry about how you will obtain health insurance coverage for a pre-existing condition. The Health Insurance Portability...

A health savings account is a tool devised to help individuals with high-deductible health insurance policies to save money, tax free, to pay for medical expenses.

Universal Medical Resources, also known as UMR insurance, is the largest third-party administrator (TPA) in the United States. UMR has a national scope while still offering regional attention to...

If you own a small business, your employees probably want you to offer health insurance benefits. Understanding small business health insurance rates will help you make the best choice for your...

Health insurance is a type of protection that helps individuals and families afford the cost of health care. A number of health insurance companies operate in the United States, including Blue...

Protecting your financial assets is important for now and for your future. With age your body will start to break down, and more health care might be needed. The need for long-term care in the...

Getting both health and dental insurance is as easy as filling out an application. For health plans, at least for private health plans, you have to get through underwriting, but dental insurance...

You need health insurance to protect your family in case of illness, but you also need an affordable policy. One of the most effective solutions is securing a so-called 80/20 policy with a high...

The Consolidated Omnibus Budget Reconciliation Act (COBRA) was enacted in 1986 to protect the health insurance benefits of U.S. workers and their dependents when they lose or change jobs.

Whether you are planning to quit your job for another or you're leaving an employer to start your own business, you need to think about health insurance. There are several options for making sure...

Family health insurance information is available through private insurance companies, employers and state, local and federal governments. Plans are available for people in any state of employment,...

Cancer patients who have been denied coverage for their medication have few easy options for recourse. Switching to another insurance provider or threatening to do so isn't an effective strategy,...

Medicare prescription drug plans can vary by coverage, cost and convenience. Basically, there are two choices: If you use the Original Medicare plan, you can join a Medicare Prescription Drug...

Family health insurance comes in many types of coverage plans. Health insurance is often obtained as an employment benefit, but there are other ways to obtain coverage. There are many options for...

Trying to find inexpensive health-care options may lead to reduced monthly bills. It can also leave you uncovered in the case of lengthy hospital stays or expensive medical procedures. While...

Working freelance may offer flexibility of hours and some cost savings, but it also means that employer-based insurance is not available. You'll need to do some research to find a plan with the...

COBRA is the Consolidated Omnibus Budget Reconciliation Act, which allows individuals to continue on their former employer's group health insurance. Individuals who choose to elect COBRA coverage...

Health care expenses can be overwhelming. Even with medical and dental insurance coverage, consumers are still left footing the bill for co-pays, deductibles and partially covered or non-covered...

Rising medical costs make health insurance a necessity for most consumers. Even a minor accident or illness can result in thousands of dollars in medical bills. Illnesses and injuries that require...

Health insurance is the form of insurance responsible for covering all or part of the medical expenses that one incurs. There are a number of different reasons for having health insurance which...

Private health insurance provides coverage to more people in the United States than any other type of health plan. These health options give the insured a chance to have affordable coverage, as...

Millions of Americans are covered under a group health insurance plan. All eligible applicants under a group health plan will have lower costs and fewer restrictions on insurability than...

Each year, the annual costs of health care treatment for cancer in the United States costs $228.1 billion, according to the American Cancer Society. Cancer insurance is a type of product meant to...

Individuals who are laid off from their jobs can elect to continue their current health insurance coverage under COBRA. Employees who are terminated are also eligible for COBRA coverage as long as...

The United States have two types of health insurance plans: self-funded and group-funded. One plan provides affordable insurance to every eligible applicant while the other allows the insured to...

Health insurance can help limit the costs of some medical procedures, but for some people the monthly premiums and other payments are too expensive for their budgets. While regular plans may not...

If you have left or lost your job, you may wonder what will happen if you need to visit a doctor. The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows you to continue to use the...

A medical card is your proof of enrollment and eligibility in the Medicaid program. Medicaid is a health care solution for low- or no-income families to receive standard immunizations, office...

Blue Cross was originally the company that provided hospital insurance coverage. Merged with Blue Shield, which initially covered physician visits, the current Blue Cross/Blue Shield (BCBS) is a...

Medical cards are proofs of enrollment and eligibility for the Medicaid program or other government assistance. The Medicaid program is a health care assistance tool provided by the state, and...

Discount health care plans are ideal for consumers who would like to save money on health care without purchasing an expensive health insurance plan. Discount health plans will not pay for any of...

Health insurance in the United States is a multitrillion-dollar industry. A variety of health plans are available to meet the needs of those seeking coverage. However, as the costs of health care...

When you enroll in your employer's group health insurance plan, you are told that you can only make changes during the annual open enrollment period or if a qualifying event occurs. Understanding...

If you've worked at a company that has either cut your hours or let you go, you can continue receiving health insurance through COBRA, a program regulated by the federal government and named after...

Health care plans can seem like an alphabet soup for those who are new to paying for their own health insurance. Breaking down the different terms and plan options can ensure that consumers find...

In order to adequately maintain and nurture a pregnancy, a woman must routinely seek medical care. With the costs of medication and frequency of doctor visits, health insurance is a must to cover...

If you have no health insurance, finding out that you need an operation is likely to inspire a sense of panic. Medical issues are frightening on their own, but combining the need for medical care...

People who work for corporations that offer insurance as an employee benefit usually do not have to worry about their medical history affecting their policy premiums. However, people who are...