Monthly Archives: July 2017

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

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

Denied Health Insurance

If you are denied health insurance due to a pre-existing medical condition such as diabetes, cancer, heart disease or another illness, there is still hope that you will be able to obtain health insurance coverage. Although most people become frustrated, overwhelmed and worried, and often times give up. There is a solution for you to obtain adequate health insurance coverage for you or your loved one, call Guaranteed Issue Health Insurance or Guarantee Issue Insurance.

What is Guaranteed Issue Health Insurance?

A Guaranteed Issue Health Insurance is an alternative insurance coverage for individuals who have been denied health insurance coverage. A guaranteed issue health insurance policy provides comprehensive health insurance coverage for people faced with pre-existing conditions.

How Can you Obtain Guaranteed Issue Health Insurance Coverage?

The first step to obtaining guaranteed issue health insurance coverage, if you have been denied health insurance coverage due to a pre-existing condition is to contact an insurance broker that specializes in Guaranteed Issue Health Insurance Coverage.

Second, you need to explain to your Guaranteed Issue Health Insurance Broker the reason(s) you have been denied.

Thirdly, you need to explain what you would like to have covered under your guaranteed issue health insurance coverage, based on your budget and your unique needs such as hospital visits, doctor visits, inpatient treatment, outpatient treatment, medical test etc

Fourth, make sure you receive a detailed overview and explanation of the benefits and cost of the Guaranteed Issue Health Insurance coverage that you are being sold. In most cases you can get a cheat sheet, that goes down the list in a clear and concise manner on what is included and what is not included. Be sure to read the fine print.

Fifth, if there is anything that you are unsure or not certain off, make sure you clarify it with your Guaranteed Issue Health Insurance Broker before going forward. The last thing you want is to have an issue when you have gotten past this hurdle only to find out your doctor or the hospital you are dealing with, won’t accept or allow for a treatment that you or your love one truly needs.

There are several insurance companies that provide Guaranteed Issue Health Insurance Coverage and their requirement may all be different. By working with an insurance broker that you trust, he or she will be able to do the necessary research needed to provide you with the best Guaranteed Issue Health Insurance Coverage available to you.

Working with an insurance broker who is an expert in dealing with individuals who have been denied health insurance coverage can be a great benefit to you, by saving you a lot of time, money and frustration.

It is challenging enough that you have to deal with the circumstance surrounding the health that you or your loved one is face with. Find someone that can provide you the support, knowledge and education that you need to make an informed decision about your denied health insurance coverage.

Factors That Make Individual Health Insurance

If you need an individual health insurance Texas policy, there are several factors that will affect your premium. The main factor is your health. If your health is not good, or if you have a pre-existing condition, then your application for an individual health insurance Texas policy may be denied. This may also happen if you have some factors that meet the definition of high risk for the health insurance carrier. For example, if you have diabetes, or are a smoker, or are overweight, you may have difficulty getting individual health insurance. It is of note that pregnancy is considered a pre-existing condition, so if you are a pregnant mother, you may have a difficult time being approved for an individual health insurance Texas policy.

A second aspect that affects your costs and ability to purchase an individual health insurance Texas policy is your age. Certain government health insurance programs, such as Medicaid and Medicare, have age restrictions. Often, the elderly, or children, will qualify for certain government-funded health insurance plans. For private individual health insurance Texas plans, your age will play a part in the premium charges. For example, young children may cause insurance premiums to be high because there are so many baby checkups and immunizations recommended for children. Or if you are of advanced age, then the health insurance company may believe that you are a high risk, and therefore, your monthly premium for your individual health insurance Texas policy, may be quite high.

A third aspect when you are buying an individual health insurance Texas policy, is whether you are including dependents on your plan. The reason is that age and health will play a part in each family member or dependent being admitted to your individual health insurance Texas policy.

Group vs. Individual Health Insurance Texas Policies

An individual health insurance Texas policy does not refer to a policy that covers only one person, because as stated above, it may provide coverage for you and your family members. It refers to being different from a group health insurance Texas plan, which is what people enroll in through their employers. Other ways of joining a group plan could be through unions, or fraternal organizations.

A group health insurance Texas plan is usually offered through a business, and the insurance company in that instance, is required to approve anyone who is an employee and allow them to become a part of the group plan. This means, that regardless of your health or age, you will be approved for health insurance, and so will your family members. This is an excellent option for individuals who do have chronic health conditions, or many high risk health factors, and would not be approved for an individual health insurance Texas plan.

If you do not have any of these options available to you, or have been turned down for individual health insurance Texas policies, then you may want to consider the Texas Health Insurance Risk Pool. You will have to prove that you have been turned down for coverage from an individual health insurance Texas policy.

Small Business Owners Choose Affordable Health Insurance

As a small business owner, I understand that affordable health insurance is a very important benefit to my employees. Providing affordable health insurance to my company not only helps to retain employees, but affordable health insurance gives my company an edge when competing against other small businesses within the same personnel pool. Employees view affordable health insurance as part of their compensation package, along with salary, bonuses, vacation time, sick days, work hours, overtime pay and office environment. When surveying employees about affordable health insurance, they note that affordable health insurance provided by my company is one of the most valuable compensation components. When searching for the most affordable health insurance policies for my small business, we use an affordable health insurance broker.

Insurance brokers are able to sell affordable health insurance from several insurance companies. This tactic gives us an extremely wide variety of affordable health insurance coverage and pricing options to choose from. Then, we can analyze the short-list of the affordable health insurance options before making our decision on the most affordable health insurance policy. Affordable health insurance brokers can be found by searching for �affordable health insurance brokers� on any web browser. Sometimes it is helpful to include your location in the search for affordable health insurance brokers so that you can find an affordable health insurance broker in your area. If you don’t put a location in your search, you may end up with a list of hundreds of affordable health insurance brokers throughout the U.S.

Our company happens to have a group affordable health insurance policy for its employees. After investigation, we have found that this is the best way to provide affordable health insurance to our staff. We are aware that many companies allow their employees to choose their own individual affordable health insurance policy based on their family’s needs, and then the company will reimburse the employee for their affordable health insurance costs. We strongly considered this option, but did not feel that it was the most affordable and beneficial way to provide affordable health insurance. Although allowing individual employees to choose their own policies would give them more control over their coverage and would achieve the goal of providing affordable health insurance, it requires additional paperwork and coordination by the employees and was more of an inconvenience than a benefit. It has taken time to research all of the options available to us, but once we made our decision, we felt really confident we had made the right choice.

With the rising costs of affordable health insurance for small companies, it is very important to evaluate your affordable health insurance policy benefits annually. While employees would like affordable health insurance with maximum benefits and minimum deductibles, this is challenging in the current economy. Finding group affordable health insurance for your company is possible, but you have to be willing to do a lot of research and analysis. It is also good to ask your employees what benefits of affordable health insurance are most important to them. Ultimately, employees will appreciate the fact that you offer affordable health insurance and you will be able to attract the best hires and retain employees.

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.

Affordable Health Insurance Is The Goal Of Health Reform

One of the main goals of the health reform movement is that more American families will find affordable health insurance plans. Many of the changes being required of health insurance providers are designed to force them to offer more affordable health insurance policies to more Americans. In addition, there are also laws and regulations in place to force Americans to purchase affordable health insurance plans. In the future, American citizens who do not purchase affordable health insurance plans will have to pay big tax penalties or fines.

Another change is the establishment of high risk pools for each state. The purpose of these high risk pools is that individuals who have not been able to get approved for affordable health insurance individual policies in the past, due to a pre-existing medical condition, will have an affordable health insurance option. At this time, a few states have high risk pools, but many did not, as of earlier this year. This means that those individuals who were not enrolled in a group health plan may not have been able to find affordable health insurance plans because their monthly premiums may have been increased due to a pre-existing medical problem, or they would get denials back from their applications. High risk pools make it possible for these individuals to enroll in affordable health insurance plans. The premiums may still be higher, but the goal is to make affordable health insurance policies available to high risk citizens.

Many of the changes in the health reform acts laws to monitor and regulate the health insurance industry. This includes making health insurance providers submit rate increases to the government for approval. Again, this is to encourage insurance carriers to offer more affordable health insurance options to American citizens. The Secretary of Health and Human Services (HHS) is to create new rate review processes, and start approving or disapproving new rate filings by insurance companies.

Other changes proposed are the prohibition of lifetime benefit limits, restricted annual limits for essential benefits, and coverage of dependents up until age 26. All of these changes will result in less out of pocket expenses for members, therefore health insurance making affordable health insurance. The federal government really wants the public to see the benefit of health insurance, and find affordable health insurance policies in order to protect themselves and their families.

The HHS is also setting up a national insurance exchange, which is basically a web portal which will carry information from several different insurance providers and provide information about the many different types of affordable health insurance plans available to American citizens. It is possible that these insurance exchanges will also have information about a government-sponsored affordable health insurance, as competition to private open market affordable health insurance plans, such as those available to Americans today. The national insurance exchange is still a work in progress, so there is a lot to be seen about how it is to work.

More Texas Residents Need Texas Health Insurance Plans

One in five Texas residents does not have a Texas health insurance plans. Texas has a lot of government agencies overseeing trying to change that statistic and increasing the number of Texas residents that have Texas health insurance plans. According to the Texas Department of Insurance, a new program called Healthy Texas has been set up by the state to help small business owners and their employees have Texas health insurance plans. Texas is also one of approximately thirty-seven states that have a Texas health insurance plans Risk Pool, for those Texas residents who continuously get denied coverage from Texas health insurance plans due to a poor medical condition.

Texas also offers a web site with links to helpful links and resources at TexasHealthOptions.com, which can help individuals, find affordable Texas health insurance plans. The effort the Texas government is putting into helping increase access to Texas health insurance plans to its residents is commendable.

There are over thirty health insurance companies that are licensed to offer Texas health insurance plans in Texas. Some of these are well known companies, and some others are lesser known, or divisions or branches of the nationally known carrier.

The most common option for those looking for Texas health insurance plans is to contact a private health insurance carrier. These carriers offer many different types of Texas health insurance plans, for any budget. You should check to make sure that the carrier is legit and has been licensed. This protects you against insurance company fraud. You can also work with a licensed, independent insurance broker to help you find Texas health insurance plans that meet your needs, and are within your price range. A broker can teach you the vocabulary you need to know, and the questions you need to ask in order to get the best Texas health insurance plans for your money. They can also help you completely and accurately fill out the application for Texas health insurance plans, which is sometimes long.

The Texas government recommends that people needing Texas health insurance plans first start out asking their employer if they are eligible for group Texas health insurance plans. This is often the most convenient option, especially if the employer helps subsidize some of the monthly Texas health insurance plans premiums. The second step is to try to get group coverage through association in some professional organization, or fraternal organization, for example. Be careful of groups that offer this option, and check them out with past members to make sure there is no fraudulent activity going on.

If you can’t get Texas Health Insurance Plans

If neither one of these two options helps you get Texas health insurance plans, and then look into whether or not you qualify for Medicaid. Medicaid eligibility is based on financial need, or certain medical conditions. If you are not able to receive any Texas health insurance plans from any of the major health insurance companies, due to poor health, or other high risk characteristic, then you may apply to the Texas Health Insurance Plans Pool. The purpose of this Texas health insurance plans is to insure Texans who are excluded from other possible health care coverage.

Let us say that you still do not have health insurance, there are certain medical services that can be accessed at low costs for those without adequate Texas health insurance plans benefits. There are community health centers and federally qualified health centers in Texas set up to provide low cost medical services to those who need them.

Basic And Enhanced Employer

How do I get the best health insurance for NC policies for my employees that money can buy?

I want to let you know that it does not have to ruin your business financially to provide your employees with outstanding health insurance for NC policies. First, you need to understand that you will be shopping around for something called a group health insurance for NC policy. This type of health insurance for NC policy is one where a group of people pools their resources to purchase a health insurance for NC policy. In most cases, health insurance for NC providers offer employers discounts on this type of service based on the number of people you expect to utilize the health insurance for NC policy. The more health insurance for NC policy holders that you bring into the plan, the bigger the discount you can expect to receive from most health insurance for NC providers. In addition, most health insurance for NC providers will offer your employees several types of health insurance for NC policies. There will be a standard health insurance for NC policy with a low monthly premium.

You might even offer to pay the monthly premium on this health insurance for NC policy. Then, there will be bigger and better plans that charge a slightly higher premium for the health insurance for NC policy. Most companies will pay the lower monthly premium for the health insurance for NC policy for their employees and the employees must pay the difference between the two plans if they decide to purchase the bigger and better policy. This way, the employees are still getting a great deal on a health insurance for NC policy and the financial cost to the company remains the same. The next thing you need to understand is that there are plenty of options when it comes to health insurance for NC providers. I encourage you to shop around for the best health insurance for NC provider that meets you needs at the price you can afford. If you are patient, you will find the perfect health insurance for NC provider for your situation.

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.