Category Archives: Insurance

Health Insurance For Everyone

What is short term health insurance?
Health insurance is a hot topic for debate these days. While some totally agree with the novel concept of health, some tend to avoid it as much as possible. Short term health insurance is health insurance which covers a person for a short period of time for say 1 year or 6 months. Instead of a long term solution this type of health insurance is also preferred by a lot of people.
Who should go for short term health insurance?
Some people are just not convinced by the idea of health insurance. They feel it is definitely not worth the burden. Low cost short term health insurance is ideal for such people. You don’t have to shell out large amounts initially while enjoying the benefits of a health insurance. This will give you a feel of the benefits of a health insurance without unnecessarily burdening you with large premiums. Also if you are between two jobs and your health insurance with your previous employer is now not available, then too you can go in for one of the many low cost short term health insurance plans. If you get a health insurance cover with your new employer in sometime then you can easily end the short term arrangement. Also if you are young and energetic and your medical requirements are minimum then too a short term health insurance is the key. Those on a student budget should also go for short term plans as they ensure that you don’t have to pay hefty premiums which you cannot afford. So whatever the reason, short term health insurance is definitely a viable option for many. It ensures that everybody gets the necessary care while definitely going easy on the pockets. However if your medical needs are high and you need to get medical care very often then going in for a short term health insurance is not advisable. In such a case it is best to go for a long term and comprehensive health insurance. In this case a long term plan will be more affordable for you.
How should you go about getting short term health insurance?
Obtaining a short term health insurance is a very easy process. Affordable health insurance rates are easily available online and they ensure that you get the best offer according to your specific needs and budget. A little clever searching is the solutions. They say you can find god if you look hard enough so this is just health insurance we’re talking about! Making the right pick is fairly easy thanks to the many affordable health insurance rates that are available nowadays. Keep it short and simple is the motto as far as short term health insurance is concerned. So leave the worrying to the experts and you enjoy the benefits that come along with low cost short term health insurance. It is time to stop thinking and start acting upon the advice you just got.

Individual Health Insurance Texas

For individual health insurance Texas residents have a lot of choices to make. There are over a dozen companies that offer individual health insurance Texas policies. Some of the types of individual health insurance Texas policies available are accident only, basic hospital, disability income protection, limited benefit, major medical, and short-term major medical. You can get a lot of information about individual health insurance Texas policies from the web site of the Texas Department of Insurance. They have created a health insurance exchange web portal designed to help residents of the state of Texas find helpful information about individual health insurance Texas, as well as other insurance related matters. Even small business owners can find information about group health plans, rather than individual health insurance Texas plans, on this web site.

According to statistics, approximately one in every four Texas has no benefits or coverage through either a group health plan, or an individual health insurance Texas policy. This is unfortunate because it is very important to protect yourself and your family from unexpected illness or injury. A large number of personal bankruptcies that occur in the United States can be traced back to medical bills that accumulated and were eventually too big to pay off. Having coverage through a group health plan, or an individual health insurance Texas policy, is very important and can be helpful if you or your family require medical care. Actually, benefits can be used for preventive care, and therefore, to avoid becoming ill or unhealthy in the future.

The Texas Department of Insurance has recently set up the TexasHealthOptions.com section of their web site to help consumers with their individual health insurance Texas plan questions. They recommend using an independent agent, although they warn that you should make sure the agent is licensed in the state of Texas. An agent represents many different companies and can therefore speak about many different individual health insurance Texas plan options. You can get quotes on several individual health insurance Texas policies at one time, with just one phone call.

Probably the origin of the Texas Health Options web site is the mandate by the federal government, as part of the health care reform act, for all states to set up a health insurance exchange web portal to help consumers make wise choices when it comes to purchasing individual health insurance Texas plans. This information is supposed to be presented in a simple manner, enabling consumers to compare individual health insurance Texas policies side-by-side. The web site includes a glossary of terms that you should be familiar with so you can understand the fine print and details of the individual health insurance Texas plan paperwork and application.

Because all the different health insurance providers have many different plans, the information about individual health insurance Texas policies can be overwhelming to the layperson, unless they are very familiar with the health insurance industry. Don’t be afraid to ask for help from either the Texas Department of Insurance or a licensed insurance broker who is familiar with individual health insurance Texas plans. Remember that the broker does not have to reside in Texas, but only has to be licensed in Texas to sell individual health insurance Texas policies

Health Insurance Critical Needs Analysis

This is Jim Robertson writing to you today to make sure you know just how important it is for you to get a health insurance NC policy today. A good health insurance NC policy is critical to protect you and your family in the event that someone gets sick or hurt and needs to go to the doctor or hospital. If you do not have a good health insurance NC policy, then you should get one today. If you are searching for a great health insurance NC plan, then this article will help you understand the different terminology you will need to master so you can be sure to get the best health insurance NC policy out there.

What is a health insurance NC Health Maintenance Organization?

When searching for a great health insurance NC policy, you will find yourself coming face to face with a variety of terms that you need to know to get the best value for your money. One of the terms you will find is a health insurance NC Health Maintenance Organization or HMO. This type of health insurance NC provider network limits the health insurance NC policyholder to seeking medical treatment only from those doctors or hospitals that are a part of the network. In return, the health insurance NC policyholder is rewarded with lower health insurance NC policy premiums and deductibles.

What is a health insurance NC Preferred Provider Organization?

A health insurance NC Preferred Provider Organization, or PPO, is a type of health insurance NC provider network that allows the policyholder to seek treatment from practically any doctor or hospital they want to. In return, the health insurance NC health insurance NC policyholder will generally pay higher premiums and deductibles. The pros and cons of this type of health insurance NC policy vary.

How do I know which type of health insurance NC policy is best for my family and me?

To find out which type of health insurance NC policy is best for you and your family it is critical that you know exactly what you need from a health insurance NC policy. To do this, you must first conduct a critical needs analysis by writing down all the medical procedures, services and treatments you and your loved ones regularly utilize. Then, as you shop for a health insurance NC policy you must compare the policy quotes to your critical needs analysis to see which policy offers the most bang for your buck. Be aware that there are many different health insurance NC providers out there that are going to try to sell you a policy that makes them money. So, make sure you know what your health insurance NC needs is before you go shopping for a policy. A wide variety of health insurance NC providers is in the market today, and you will find one that meets your needs at a price you can afford. I am confident of this and know that you will do the right thing and get a health insurance NC policy for you and your family today.

Explaining Health Insurance Exchange

The health reform acts that President Obama signed into law in the spring of 2010 call for the creation of health insurance exchanges. Many people are not exactly sure what this means. According to a letter President Obama wrote to Senator Ted Kennedy, he wants the health insurance exchanges to be �a market where Americans can one-stop shop for a health care plan, compare benefits and prices, and choose the plan that’s best for them.� This function is actually very similar to what insurance brokers currently do right now. However, some people do not know that they can shop around with the assistance of an insurance broker, for the same price as they could if buying directly from a health insurance provider. So at this time, the federal government wants to set up these health insurance exchanges, which is how members of Congress and their families choose their health insurance plans.

The idea of health insurance exchanges is to better organize the information out there about health insurance plans, to improve transparency within the health insurance industry, and to set it up in a more competitive market, in order to drive prices down. This would also allow for regulating some policies and procedures for the offering and pricing of health insurance plans. Another main goal of health insurance exchanges is to better educate the American public as to their health insurance options, help them become more familiar with the insurance vocabulary, and make the health insurance purchasing process less intimidating.

This is not the first time that health insurance exchange has been proposed in the government. Currently, there is a health insurance exchanges set up in Massachusetts, where it is called the Connector. Utah also has an active health insurance exchanges. In the past, they have been proposed as Health Help Agencies, which is just another name for health insurance exchanges. Regardless of what they have been called, Congress members have hoped these health insurance exchanges help the uninsured become insured, and facilitate changes and reform within the insurance industry.

To start out, the health insurance exchanges will mostly be beneficial to those individuals who need to purchase individual and family health insurance. Eventually, it is hoped that employers and employees can also choose health insurance plans offered through the health insurance exchanges, rather than having to enroll in whatever employer-sponsored group health plan is offered to them. This, again, increases the options and freedom of the American individual. Self-employed individuals would also greatly benefit from health insurance exchanges because they would be able to see the many different health insurance plans and policies available to them.

Information about health insurance plans would be presented in a straight forward, objective, unbiased manner. It is unclear at this time whether there will be one nationally-run health insurance exchange, or whether there will be regional health insurance exchanges. It may be more effective to have regional health insurance exchanges, but yet there may be lower overhead with one national health insurance exchange. These final decisions have not yet been decided. It is also unclear who will regulate health insurance exchanges, whether it will be done by the federal or state governments, or whether outside agencies will be in charge of the administration of health insurance exchanges.

Health Insurance Frequently Asked Questions

Many Georgia health insurance providers are nationally established carriers who either are licensed to do business in Georgia, or who have divisions that are locally licensed. They have Georgia health insurance plans specifically designed to meet Georgia state regulations and requirements. However, as of a few years back, the Georgia congress passed laws that allow Georgia residents to purchase their Georgia health insurance from companies who are outside of the state also. The Georgia health insurance policy purchased outside the state must meet Georgia’s requirements and regulations, but otherwise, it is a perfectly acceptable legal method of purchasing Georgia health insurance.

How am I protected from Georgia health insurance fraud and scams?

If you have questions about the legitimacy of a Georgia health insurance plan offer you have been advertised or offered, you can contact the Georgia insurance commissioner’s office. The Georgia insurance commissioner is in charge of overseeing and regulating insurance products of all kinds. They keep a list of companies that have had complaints filed against them, and may be able to inform you of new scams. Please remember that if a Georgia health insurance plan proposal sounds too good to be true, it probably is. It is virtually impossible to find family Georgia health insurance policies that have monthly premiums in the $30/month range. If this is what you are offered, it is probably not a legitimate insurance company.

What if I can’t afford Georgia health insurance?

There are currently several government-subsidized programs to provide georgia health insurance to children. These Georgia health insurance companies are Amerigroup, Wellcare, and Peach State for Children. They work alongside Georgia health insurance Medicaid and Peachcare to provide medical and behavioral health services to children. Families must meet financial need criteria, and be American citizens. These Georgia health insurance providers also offer vision and dental benefits on some of their policies.

I have a pre-existing medical condition. Will this prevent me from getting Georgia health insurance?

A pre-existing medical condition could possibly lead to not getting approved for purchasing an individual or family Georgia health insurance policy. Once you complete your application, it will be sent to the medical underwriting department for review. They may determine that your pre-existing condition results in your being too high risk for the health plan. However, they may approve your policy with higher premiums, or a waiting period for treatment of that pre-existing condition. It is still worth filling out an application. Another option is to receive benefits through a group health plan through your employer. Group health plans cannot deny coverage to any qualified member of the group or organization, regardless of pre-existing medical conditions. In the future, the health care reform acts will not allow georgia health insurance carriers to demand a waiting period or exclusions on pre-existing conditions. Also, at this time, if you have had continuous coverage through Georgia health insurance, or insurance in another state, without a gap in coverage, your pre-existing medical condition cannot be excluded. There are many rules and regulations regarding pre-existing medical conditions, so you will want to check with your particular Georgia health insurance provider to determine how yours affects your coverage

Georgia Health Insurance Commissioner

The current Georgia health insurance commissioner is John Oxendine. He has been the Georgia health insurance commissioner since 1994, and is currently in the middle of his fourth term. Mr. Oxendine just unsuccessfully ran in the Republican primaries for governor of Georgia. The two Republican candidates that are running for the Georgia health insurance commissioner’s office are Maria Sheffield and Ralph T. Hudgens.

One of the main platform issues in the race for Georgia health insurance commissioner has been related to the health care reform acts’ mandates to states. As Georgia health insurance commissioner, John Oxendine, joined a class action lawsuit questioning the constitutionality of the health care reform acts. Also, the Georgia health insurance commissioner’s office opted out of setting up federally mandated health insurance exchanges, which resulted in the federal government overseeing this program themselves. This was allowed by the law. Georgia is not the only state that decided to handle the health insurance exchanges this way. Nineteen other states also stepped aside and let the federal government implement the required health insurance exchanges. The reason given for this is that the office of the Georgia health insurance commission did not believe that Georgia had the necessary finances in place to implement the program without putting other state run programs and Georgia residents, at financial risk.

The candidates for georgia health insurance commissioner are being asked a lot of questions about how they would handle the health care reform. Maria Sheffield who is an attorney who has worked in the state’s Department of Insurance, maintains that she will try to lessen the negative impact the federal laws might have on the state of Georgia. Ralph T. Hudgens states that the Georgia health insurance commission is an administrator and not a policy maker, and therefore has no reason to fight against federal laws. Mr. Hudgens chairs the Georgia Senate’s insurance and labor committee. Both are committed to helping Georgia’s health insurance industry maintain high standards and provide excellent products and services to Georgia residents.

Whoever wins the Republican primary will run against Democrat Mary Squires in November. Mr. Oxendine is currently being looked at closely due to some ethics complaints against him as he ran for governor. However, he has a lot of experience as Georgia health insurance commissioner, and most people agree he has made a lot of progress and improvements in the health insurance industry in Georgia. The vision statement of the Office of the Georgia Health Insurance Commissioner is to have a well trained work force, utilize technology to facilitate regulation, coordinate state regulators, provide greater access to services and more fire safety information, and result in a consumer friendly, competitive market place.

Consumers can find information about all sorts of insurance products, agents, brokers, and insurance companies, on the web site of the georgia health insurance commissioner. This is also the place where consumers can come to file a complaint, or ask questions about their rights as consumers. There is a lot of valuable information about flood and fire protection, how to file or submit claims, and rural health care information. There is information available to the public, to brokers and agents, and to agencies.