Health Insurance

When you read about pet sitting services, you will see that professional services are insured and bonded. Being insured means that there is insurance that will cover damages to property or to animals,…

A profit-sharing plan is a system of financial incentives used by private companies to reward their employees. For small businesses, this often manifests as bonuses, but for larger public companies,…

The Employee Retirement Income Security Act (ERISA) governs most private sector employee benefit plans, including retirement plans. It grants employees certain rights regarding their pension or health…

When it's necessary to lay off an employee, one benefit required by law is the continuation of group health insurance coverage. This is known as COBRA. Employers make a number of common mistakes in…

The State Children's Health Insurance Program, or SCHIP, is a federal government program created in 1997 to provide health insurance to children in families at below 200 percent of the poverty line in…

Over five percent of all Pennsylvania children were living in households headed by grandparents as of September 2008. Grandparents in caregiver roles, whether temporarily or permanently, may wish to…

The Health Insurance Reform Act of 1996 was sponsored by Senator Thomas Daschle, and introduced to Congress on April 24, 1996, but never became a law. This act was intended to protect the insured…

The Health Insurance Coverage Protection Act was a U.S. bill aimed at limiting caps imposed by many health insurance plans. Caps allow an insured person only a certain amount of funding for coverage,…

A health maintenance organization (HMO) is a kind of health insurance that covers a wide range of policies. In Florida, inexpensive services are available from an assortment of physicians and…

The Health Insurance Commission Act of 1973 began the era of universal health care in Australia. Specifically, the act created a commission to oversee the Australian version of Medicare, a…

The Omnibus Budget Reconciliation Act of 1981 is an extensive piece of United States legislation. The act covers appropriations for several different areas, with two of the largest being agriculture…

The Rhode Island Health Insurance Continuation Act is a state law that allows a person who was covered by her spouse's health insurance to continue that coverage after divorcing that spouse and…

The Massachusetts Health Reform Act, as codified in Chapter 111M of the Massachusetts General Laws, requires that adult state residents who can afford health insurance coverage must have it or else be…

The Omnibus Budget Reconciliation Act or the Consolidated Omnibus Budget Reconciliation Act (COBRA) helps newly-unemployed workers and families to keep their health insurance coverage in times of…

Although each Canadian province administers its own health insurance plan to residents, each one must follow coverage regulations established at the federal level. Canada's regions must follow the…

The insurance industry is heavily regulated in the United States. Insurers must comply with regulations in order to do business. However, insurance is not regulated at the federal level. The states…

Divorcing spouses are typically entitled to split many assets. For federal employees, this can include retirement benefits. Federal employees aware of how their retirement plans change after a…

The Insurance Act in the United Kingdom that first guaranteed medical insurance for workers was first passed in 1911, establishing universal health care in the country. The act also provided…

When a couple divorces in Ohio, health insurance can become an issue. In addition to legal prohibitions against cutting off a spouse's insurance during the divorce, judges in Ohio want to see a…

Each state has its own guidelines for obtaining an insurance license. Although the majority of states have the same guidelines, some do differ. If you want to sell health insurance, a health insurance…

General Schedule employees are federal employees that operate within a specific pay system. There are 15 federal pay grades specific to particular work duties, skills and difficulty. There are 10…

Massachusetts required health insurance for college students long before it passed a health care reform law in 2006. State health care reform also requires coverage for most adult residents, aged 18…

The risks of not paying your health insurance premiums not only involves your ability to pay medical bills, but it also effects those that participate in a group health plan with you in increased…

The Insurance Model Act, formerly known as the Long-Term Care Insurance Model Act is a model state law developed by the National Association of Insurance Commissioners (NAIC). The Act was created by…

Prior to passage of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), nothing prevented group health plans and insurers from refusing to extend medical benefits to job changers…

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) protects consumers by lowering the chance of losing existing medical coverage, makes it easier to switch health plans, and helps…

Providing for the appropriate care of children born during a marriage is a primary consideration in a divorce case. Determining who is responsible for maintaining their appropriate health insurance…

Types of insurance available for sale in Alaska include health, life, auto, home or a combination of insurance products. Insurance agents can be independent agents, which means they have a…

Insurance is defined as a type of risk management. This risk management protects an individual in the case of unforeseen costs, such as a car accident or a fire in one’s house. In all states,…

In Louisiana, you need a producer license to conduct business, sell, negotiate or request insurance for an insurer that is allowed to conduct business in the state. This license is required for both…

A health maintenance organization (HMO) may contract with a physician, or group of physicians, and provide a payment, known as capitation, for medical care of the HMO's members. A capitation payment…

Complaints about health insurance companies refusing to provide coverage for certain procedures and medications are nothing new, but what is your recourse if it happens to you? Filing a suit against a…

Quality medical coverage is available at low to no cost for many veterans of the U.S. armed forces through the U.S. Veterans Administration (VA). While wading through the red tape can be frustrating,…

When opening a home health care business, you must ensure that you are meeting all state and local rules and regulations. In many states, the first step to complying with rules is to offer proof that…

Health insurance helps you pay for doctor and medical bills, which can quickly escalate in case of illness or injury. Generally, health insurance companies charge a monthly premium, along with a…

Getting divorced can change the financial and insurance needs of a family. Insurance coverage for family members could change quickly and it's important to always have health insurance coverage. If…

Consumer complaints about insurance companies often result from denied claims, increased premiums, or poor customer service. Abuse of discretion complaints can refer to a wide range of issues. Most…

Insurance coverage protects you or your business in the event of stated risks. Insurance needs are not static. For instance, as your business grows, you should consider obtaining greater coverage.…

Health insurance coverage is a valuable asset. Oftentimes when a couple divorces, one spouse ends up uninsured. If you are facing the prospect of losing your health insurance coverage as the result of…

Universal health care laws establish a legal right to health care. Germany enacted the first universal health care laws in the 19th century, and the British government followed suit in the early 20th…

Insurance companies play a critical role in patient health by pooling risk (through collecting premiums from a large number of individuals) to cover specific medical expenses incurred by…

Under the Internal Revenue Code, taxes must be paid on income "from any source derived." That definition of taxable income is quite broad; however, there are exceptions to the rule and some benefits…

The Breast Cancer Patient Protection Act is a bill before Congress. The bill seeks to require insurance companies to cover hospitals stays for at least 48 hours after a breast cancer patient undergoes…

Health-related benefits are a major concern for many people. And health benefits provided by an employer have for some time been a somewhat common piece of the average business's compensation package.…

COBRA is short for the federal Consolidated Omnibus Budget Reconciliation Act, which allows qualifying individuals who have lost their jobs to continue health coverage. COBRA insurance in the state of…

Tax penalties for health insurance are not common in most states but one state that assesses such a penalty is Massachusetts. This is because Massachusetts requires health insurance to be purchased by…

When someone participates in an employer's retirement, profit-sharing and/or health insurance plans pertinent information is given to the employee about the plans features, benefits and funding. The…

Universal health care is a taxpayer-funded government health program that is designed to provide coverage concurrently with existing private health insurance plans. This type of health care system…

The Health Insurance Portability and Accountability Act of 1996--or HIPAA, as it is most popularly known--was enacted by Congress in 1996.