Health Insurance: Most Popular Articles
These articles are the most popular over the last month.
HMOs vs. PPOs-How They Differ
The most common types of managed care plans are health maintenance organizations (HMOs) and preferred provider organizations (PPOs). Less common are point-of-service (POS) plans that combine the features of an HMO and a PPO. Learn the differences between HMOs and PPOs.
The most common types of managed care plans are health maintenance organizations (HMOs) and preferred provider organizations (PPOs). Less common are point-of-service (POS) plans that combine the features of an HMO and a PPO. Learn the differences between HMOs and PPOs.
Pre-Existing Conditions
A pre-existing condition can affect your health insurance coverage. If you are applying for insurance, some health insurance companies may accept you conditionally by providing a pre-existing condition exclusion period.
A pre-existing condition can affect your health insurance coverage. If you are applying for insurance, some health insurance companies may accept you conditionally by providing a pre-existing condition exclusion period.
Understanding a Prescription
Your doctor uses abbreviations (based on Latin words) that tell your pharmacist which medication to give you and directions on how to use that medication. Learning to read a prescription immediately after your doctor writes it will help make sure that you know what medication you are getting. It will also give you a chance to ask questions about your doctor’s instructions.
Your doctor uses abbreviations (based on Latin words) that tell your pharmacist which medication to give you and directions on how to use that medication. Learning to read a prescription immediately after your doctor writes it will help make sure that you know what medication you are getting. It will also give you a chance to ask questions about your doctor’s instructions.
Cost of Health Insurance
There are many things that determine how much your health insurance will cost you each month. How much health insurance will cost you depends on your age, the condition of your health (how healthy or unhealthy you are), where in the country you live, your income, and your job status.
There are many things that determine how much your health insurance will cost you each month. How much health insurance will cost you depends on your age, the condition of your health (how healthy or unhealthy you are), where in the country you live, your income, and your job status.
COBRA Continuation Coverage
If you have been laid off from your job and your former employer has 20 or more employees, the company is required by a 1986 federal law (known as COBRA) to offer you the option to pay for an extension of your health insurance coverage for at least 18 months. COBRA provides you with insurance for you and your family but COBRA can be very expensive.
If you have been laid off from your job and your former employer has 20 or more employees, the company is required by a 1986 federal law (known as COBRA) to offer you the option to pay for an extension of your health insurance coverage for at least 18 months. COBRA provides you with insurance for you and your family but COBRA can be very expensive.
Out-of-Pocket Maximum
Learn the meaning of the term “Out-of-Pocket Maximum” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Out-of-Pocket Maximum” from your About.com Guide to Health Insurance.
Part D Donut Hole-How It Works
The donut hole, or coverage gap, is one of the most controversial and confusing parts of the Medicare Part D prescription drug benefit and of concern to many people who have joined a Part D drug plan. Understanding the donut hole will help you choose a Medicare Part D drug plan.
The donut hole, or coverage gap, is one of the most controversial and confusing parts of the Medicare Part D prescription drug benefit and of concern to many people who have joined a Part D drug plan. Understanding the donut hole will help you choose a Medicare Part D drug plan.
Medicaid Overview
Medicaid is a joint program of the federal and state governments to provide health coverage to the poor and people with disabilities. Each state has different Medicaid eligibility requirements, but as a general rule, children and pregnant women are given priority.
Medicaid is a joint program of the federal and state governments to provide health coverage to the poor and people with disabilities. Each state has different Medicaid eligibility requirements, but as a general rule, children and pregnant women are given priority.
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If you are pregnant or thinking about expanding your family in the near future, you may be concerned with how much your pregnancy will cost. Read on to find out how much your insurance is likely to cover.
If you are pregnant or thinking about expanding your family in the near future, you may be concerned with how much your pregnancy will cost. Read on to find out how much your insurance is likely to cover.
Insurance Codes Overview
Explanation of Benefits, insurance claim forms, and medical bills from your doctor or hospital can be difficult to understand because of the use of codes to describe the services performed and your diagnosis. It may be useful for you to learn about these codes, especially if you have a chronic health problem.
Explanation of Benefits, insurance claim forms, and medical bills from your doctor or hospital can be difficult to understand because of the use of codes to describe the services performed and your diagnosis. It may be useful for you to learn about these codes, especially if you have a chronic health problem.
Supplemental Health Insurance
Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover. Aside from Medigap policies, three other types of supplemental health insurance are widely sold in the U.S.
Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover. Aside from Medigap policies, three other types of supplemental health insurance are widely sold in the U.S.
Medicare Disability Benefits
Medicare won't be available to most of us until we turn 65. If you can establish that you suffer from a long-term disability that prevents you from working, you may qualify for monthly Social Security Disability Insurance (SSDI) payments and for Medicare.
Medicare won't be available to most of us until we turn 65. If you can establish that you suffer from a long-term disability that prevents you from working, you may qualify for monthly Social Security Disability Insurance (SSDI) payments and for Medicare.
Understanding Your EOB
An Explanation of Benefits (EOB) is a form or document that may be sent to you by your insurance company several months after you had a healthcare service. Your EOB gives you information about how an insurance claim from a health provider (such as a doctor or hospital) was paid on your behalf.
An Explanation of Benefits (EOB) is a form or document that may be sent to you by your insurance company several months after you had a healthcare service. Your EOB gives you information about how an insurance claim from a health provider (such as a doctor or hospital) was paid on your behalf.
HMO or PPO-Choosing the Best
HMO or PPO, how do I decide which health plan is best for my family? When you get health insurance from your employer, buy private insurance, join a high-risk plan offered by your state, or enroll in a government-funded program such as Medicaid or Medicare, you may have the opportunity to choose among several health plans.
HMO or PPO, how do I decide which health plan is best for my family? When you get health insurance from your employer, buy private insurance, join a high-risk plan offered by your state, or enroll in a government-funded program such as Medicaid or Medicare, you may have the opportunity to choose among several health plans.
Student Health Insurance
Going to college is one of the most important things you can do to secure your financial future. But what happens if you get sick or injured while you're there? Accidents and sudden illness can happen to anyone at any time. So it's important to make sure you have health insurance coverage.
Going to college is one of the most important things you can do to secure your financial future. But what happens if you get sick or injured while you're there? Accidents and sudden illness can happen to anyone at any time. So it's important to make sure you have health insurance coverage.
Private Insurance Savings
Buying health insurance is the only health coverage option for some consumers. Even if you have health insurance from your employer, private insurance may still be an option to save money. With your health insurance premiums increasing every year and some employers passing more of the costs onto their employees, your company's health insurance may not be the best deal.
Buying health insurance is the only health coverage option for some consumers. Even if you have health insurance from your employer, private insurance may still be an option to save money. With your health insurance premiums increasing every year and some employers passing more of the costs onto their employees, your company's health insurance may not be the best deal.
Balance Billing
Balance billing may happen when your health plan pays less than what your doctor or hospital charges and want to be paid. Your healthcare provider may demand the balance of the bill from you. Some people do not know that this is inappropriate and pay what is being asked.
Balance billing may happen when your health plan pays less than what your doctor or hospital charges and want to be paid. Your healthcare provider may demand the balance of the bill from you. Some people do not know that this is inappropriate and pay what is being asked.
Open Enrollment
An open enrollment period for health insurance is typically offered for one or two months a year by many companies to allow employees to make changes to their insurance coverage.
An open enrollment period for health insurance is typically offered for one or two months a year by many companies to allow employees to make changes to their insurance coverage.
Health Insurance Claim Denial
If you use your health insurance, you might run up against a claim denial. It's usually worth fighting your denial.Fortunately, routes are available for disputing claim denials, including getting help from the government in many states. Sometimes your insurer will surrender and pay your claim to avoid the expense of handling an appeal.
If you use your health insurance, you might run up against a claim denial. It's usually worth fighting your denial.Fortunately, routes are available for disputing claim denials, including getting help from the government in many states. Sometimes your insurer will surrender and pay your claim to avoid the expense of handling an appeal.
Medicare Questions
11. Why Are Preventive Services Important? Medicare pays for certain healthcare services to prevent illness
11. Why Are Preventive Services Important? Medicare pays for certain healthcare services to prevent illness
Health IT Overview
Although HIT has many uses throughout our healthcare system, three important types of health IT may affect you in the near future as more consumers use personal health records (PHRs) and more physicians use electronic health records (EHRs) and electronic prescribing (e-Rx).
Although HIT has many uses throughout our healthcare system, three important types of health IT may affect you in the near future as more consumers use personal health records (PHRs) and more physicians use electronic health records (EHRs) and electronic prescribing (e-Rx).
Medicare Advantage Plan Basics
Although most people with Medicare get their health benefits from Original Medicare (Parts A and B), you can choose to get coverage from a Medicare Advantage Plan, sometimes called Medicare Part C. These plans are offered by private health insurance companies that are approved by Medicare and have a contract to provide you with Medicare benefits.
Although most people with Medicare get their health benefits from Original Medicare (Parts A and B), you can choose to get coverage from a Medicare Advantage Plan, sometimes called Medicare Part C. These plans are offered by private health insurance companies that are approved by Medicare and have a contract to provide you with Medicare benefits.
Short Term Disability Insurance
Short term disability insurance pays a percentage of your salary if you become temporarily disabled, which means that you are not able to work for a short period of time due to sickness or injury not related to your job.
Short term disability insurance pays a percentage of your salary if you become temporarily disabled, which means that you are not able to work for a short period of time due to sickness or injury not related to your job.
Managed Care Overview
Most Americans who have health insurance through their employer (and many who are self-insured) are enrolled in some type of a managed care plan. Managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.
Most Americans who have health insurance through their employer (and many who are self-insured) are enrolled in some type of a managed care plan. Managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.
Mandated Benefits
A number of health care benefits are mandated by either state law, federal law—or in some cases—both. Although mandates continue to be added as health insurance requirements, they are controversial and may impact health reform legislation.
A number of health care benefits are mandated by either state law, federal law—or in some cases—both. Although mandates continue to be added as health insurance requirements, they are controversial and may impact health reform legislation.
Travel with Medications
If you plan to travel to a foreign country, it is important that you provide for your medication needs before leaving. An illness in the middle of your trip can ruin your vacation and cost you money to get needed medications.
If you plan to travel to a foreign country, it is important that you provide for your medication needs before leaving. An illness in the middle of your trip can ruin your vacation and cost you money to get needed medications.
Medical Necessity
Learn the meaning of the term “Medical Necessity” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Medical Necessity” from your About.com Guide to Health Insurance.
Medigap Policies Overview
While Original Medicare (Parts A and B) will most likely pay for most of your hospital, skilled nursing facility, and outpatient medical expenses, you still will have out-of-pocket costs. So, you may want to consider a Medigap plan to help pay your out-of-pocket costs such as hospital deductibles, coinsurance charges, and copayments
While Original Medicare (Parts A and B) will most likely pay for most of your hospital, skilled nursing facility, and outpatient medical expenses, you still will have out-of-pocket costs. So, you may want to consider a Medigap plan to help pay your out-of-pocket costs such as hospital deductibles, coinsurance charges, and copayments
Understanding Drug Formulary
A drug formulary is a list of generic and brand name drugs that are preferred by your health plan. Since your health may limit the medications it will pay for, it is important for you understand your health plan's drug benefit and formulary.
A drug formulary is a list of generic and brand name drugs that are preferred by your health plan. Since your health may limit the medications it will pay for, it is important for you understand your health plan's drug benefit and formulary.
Charity Care
Learn about how to obtain charity care for free or a reduced cost.
Learn about how to obtain charity care for free or a reduced cost.
Laid Off without Insurance
If you have lost your job, you may be worried about the loss of your employer-based health insurance. To protect you and your family, it is important to try and find some type of health insurance plan during your period of unemployment. Fortunately, if you are handed a pink slip, you do have options to remain insured.
If you have lost your job, you may be worried about the loss of your employer-based health insurance. To protect you and your family, it is important to try and find some type of health insurance plan during your period of unemployment. Fortunately, if you are handed a pink slip, you do have options to remain insured.
Selecting Health Insurance
To protect you and your family from the financial burden of sudden or chronic health conditions, it is important to have health insurance. There are many factors to consider and questions to ask when choosing a health insurance plan.
To protect you and your family from the financial burden of sudden or chronic health conditions, it is important to have health insurance. There are many factors to consider and questions to ask when choosing a health insurance plan.
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While few health insurance premiums are tax deductible, a few are, and there are other strategies to make sure you can maximize your yearly deductions.
While few health insurance premiums are tax deductible, a few are, and there are other strategies to make sure you can maximize your yearly deductions.
Deductible
Learn the meaning of the term “Deductible” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Deductible” from your About.com Guide to Health Insurance.
Drugs from Canada and Mexico
Buying drugs in Canada and other foreign countries can save money. Due to the high price of prescription drugs, many Americans buy their medications by crossing the border into Canada and Mexico or when they travel to a foreign country.
Buying drugs in Canada and other foreign countries can save money. Due to the high price of prescription drugs, many Americans buy their medications by crossing the border into Canada and Mexico or when they travel to a foreign country.
Mail Order Drugs
Mail order drugs may be available through your health plan or Medicare Part D. Mail order drug programs are convenient and can save you money.
Mail order drugs may be available through your health plan or Medicare Part D. Mail order drug programs are convenient and can save you money.
Health Savings Account Basics
Health Savings Accounts (HSAs) are a type of account that you can put money into to save for health-related expenses on a tax-free basis. If you decide to open an HSA, you must have a high-deductible health plan (HDHP).
Health Savings Accounts (HSAs) are a type of account that you can put money into to save for health-related expenses on a tax-free basis. If you decide to open an HSA, you must have a high-deductible health plan (HDHP).
Health Reform Impact
Almost every American will be affected in some way by health reform. How you are personally impacted depends on how the fine details of the legislation are implemented.
Almost every American will be affected in some way by health reform. How you are personally impacted depends on how the fine details of the legislation are implemented.
Switching Employer Coverage
At your company's open enrollment time, look at the various plan options your employer offers. If you and your spouse or partner are both eligible for employee health benefits, check out each company's health insurance options to see which may cost you less. You may be able to save money by switching to your spouse's health coverage.
At your company's open enrollment time, look at the various plan options your employer offers. If you and your spouse or partner are both eligible for employee health benefits, check out each company's health insurance options to see which may cost you less. You may be able to save money by switching to your spouse's health coverage.
elective_surgeries
Elective surgery -- which often improves quality of life, rather than saves it -- is, by definition, a choice, not a mandate. Some of these procedures are covered by health insurance companies, others are not.
Elective surgery -- which often improves quality of life, rather than saves it -- is, by definition, a choice, not a mandate. Some of these procedures are covered by health insurance companies, others are not.
Are Generic Drugs Safe?
Whether you have prescription drug coverage or not, if you use generic medications when appropriate for your health condition you can save money – often more than 50% less than the brand name drug. But, are generic drugs safe? According to the U.S. Food and Drug Administration (FDA), generic medications are as safe and effective as the brand name equivalent.
Whether you have prescription drug coverage or not, if you use generic medications when appropriate for your health condition you can save money – often more than 50% less than the brand name drug. But, are generic drugs safe? According to the U.S. Food and Drug Administration (FDA), generic medications are as safe and effective as the brand name equivalent.
Out-of-Network
Learn about out-of-network providers.
Learn about out-of-network providers.
Premiums
Learn the meaning of the term “premiums” from your About.com Guide to Health Insurance.
Learn the meaning of the term “premiums” from your About.com Guide to Health Insurance.
Creditable Coverage
Learn the meaning of the term “creditable coverage” from your About.com Guide to Health Insurance.
Learn the meaning of the term “creditable coverage” from your About.com Guide to Health Insurance.
Reasonable and Customary Fee
Learn the meaning of the term “Reasonable and Customary Fee” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Reasonable and Customary Fee” from your About.com Guide to Health Insurance.
Health Insurance Exchanges
The health reform legislation (Patient Protection and Affordable Care Act) signed into law in March 2010 by President Obama creates state-based health insurance exchanges. The purpose of the health insurance exchanges is to make health insurance more affordable and easier to purchase for small business and individuals.
The health reform legislation (Patient Protection and Affordable Care Act) signed into law in March 2010 by President Obama creates state-based health insurance exchanges. The purpose of the health insurance exchanges is to make health insurance more affordable and easier to purchase for small business and individuals.
Sicko Movie Review
Find out what the Michael Moore film Sicko is all about, and whether you should see Sicko.
Find out what the Michael Moore film Sicko is all about, and whether you should see Sicko.
Point-of-Service Plan
Learn the meaning of the term “POS - Point-of-Service Plan” from your About.com Guide to Health Insurance.
Learn the meaning of the term “POS - Point-of-Service Plan” from your About.com Guide to Health Insurance.
Lower Your Drug Costs
The donut hole, or coverage gap, is one of the most controversial and confusing parts of the Medicare Part D prescription drug benefit. There are ways to save money on medications when you hit the donut hole and ways to actually prevent either getting to the donut hole or delaying when you hit it.
The donut hole, or coverage gap, is one of the most controversial and confusing parts of the Medicare Part D prescription drug benefit. There are ways to save money on medications when you hit the donut hole and ways to actually prevent either getting to the donut hole or delaying when you hit it.
Copayment
Learn the meaning of the term “Copayment” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Copayment” from your About.com Guide to Health Insurance.
Medicare Basics
Medicare is the federal program that provides health insurance coverage for Americans age 65 and older and younger people with certain types of disabilities, including end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant). If you (or your spouse) have contributed payroll taxes to Medicare throughout your working life you are eligible for Medicare when you reach age 65, regardless of your income or health status.
Medicare is the federal program that provides health insurance coverage for Americans age 65 and older and younger people with certain types of disabilities, including end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant). If you (or your spouse) have contributed payroll taxes to Medicare throughout your working life you are eligible for Medicare when you reach age 65, regardless of your income or health status.
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It pays to take advantage of preventive health benefits like gym memberships and smoking cessation programs included in your health insurance policy.
It pays to take advantage of preventive health benefits like gym memberships and smoking cessation programs included in your health insurance policy.
Dependent Coverage
One of the significant provisions in the health reform law that is being implemented in 2010 is an extension of dependent coverage to assure that all young adults have affordable health insurance. Many parents and their young adult children who worried about losing health insurance after their children moved away from home or graduated from college no longer need to worry.
One of the significant provisions in the health reform law that is being implemented in 2010 is an extension of dependent coverage to assure that all young adults have affordable health insurance. Many parents and their young adult children who worried about losing health insurance after their children moved away from home or graduated from college no longer need to worry.
Coinsurance
Learn the meaning of the term “Coinsurance” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Coinsurance” from your About.com Guide to Health Insurance.
How to Choose a Good Doctor
Finding the right doctor to help you with your healthcare needs is very important. The relationship you develop with your physician greatly influences the health decisions you make and, in due course, your wellbeing.
Finding the right doctor to help you with your healthcare needs is very important. The relationship you develop with your physician greatly influences the health decisions you make and, in due course, your wellbeing.
Prior Authorization
Learn the meaning of the term “Prior Authorization” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Prior Authorization” from your About.com Guide to Health Insurance.
Referral
Learn more about referrals and when your health insurance may require them.
Learn more about referrals and when your health insurance may require them.
Indiana Health Insurance
Most health insurance plans are regulated by your state government. Since the states differ considerably in the rules they set for health plans – such as mandating certain benefits – and the types of state health insurance programs offered, it is important that you understand what is unique about Indiana.
Most health insurance plans are regulated by your state government. Since the states differ considerably in the rules they set for health plans – such as mandating certain benefits – and the types of state health insurance programs offered, it is important that you understand what is unique about Indiana.
Medically Needy
Learn the meaning of the term “Medically Needy” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Medically Needy” from your About.com Guide to Health Insurance.
Explanation of Benefits Errors
Your Explanation of Benefits is a window into your medical billing history. Many doctors’ offices, hospitals, and medical billing companies make billing errors. Such mistakes can have annoying and potentially serious, long-term financial consequences.
Your Explanation of Benefits is a window into your medical billing history. Many doctors’ offices, hospitals, and medical billing companies make billing errors. Such mistakes can have annoying and potentially serious, long-term financial consequences.
Medicare Part D Enrollment
Medicare Part D allows people over age 65 to choose from a number of prescription drug plans (PDPs) that offer a set of basic prescription services. Before joining a Part D drug plan, it is important you understand and are comfortable with your choice.
Medicare Part D allows people over age 65 to choose from a number of prescription drug plans (PDPs) that offer a set of basic prescription services. Before joining a Part D drug plan, it is important you understand and are comfortable with your choice.
Pre-Existing Condition
Learn the meaning of the term “Pre-Existing Condition” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Pre-Existing Condition” from your About.com Guide to Health Insurance.
Lifetime Payout
: Your insurance policy may include a provision specifying a "maximum lifetime benefit," or "benefit
: Your insurance policy may include a provision specifying a "maximum lifetime benefit," or "benefit
Save Money on Health Insurance
Health care insurance can be very expensive and is increasing every year. Many people do not know about the options available for saving money on health insurance. There are things that you can do to help lower your health insurance costs, and prevent those costs from going up.
Health care insurance can be very expensive and is increasing every year. Many people do not know about the options available for saving money on health insurance. There are things that you can do to help lower your health insurance costs, and prevent those costs from going up.
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Many situations call for out-of-network care, and some of them won't cost you more than participating providers.
Many situations call for out-of-network care, and some of them won't cost you more than participating providers.
Affordable Care Act
The purpose of the legislation is to assure that all Americans have access to affordable health insurance. The key reforms in the Affordable Care Act should significantly decrease barriers for obtaining health coverage as well as accessing needed health care services.
The purpose of the legislation is to assure that all Americans have access to affordable health insurance. The key reforms in the Affordable Care Act should significantly decrease barriers for obtaining health coverage as well as accessing needed health care services.
Massachusetts Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Massachusetts.
Contact information for state offices and resources for obtaining and keeping health insurance in Massachusetts.
Vision Care Insurance
Most regular health insurance policies do not pay for the costs of routine vision care such as eye exams, corrective lenses, eyeglass frames, or contact lenses. Coverage (offered to less than 30% of employees) for such services is known as vision care insurance.
Most regular health insurance policies do not pay for the costs of routine vision care such as eye exams, corrective lenses, eyeglass frames, or contact lenses. Coverage (offered to less than 30% of employees) for such services is known as vision care insurance.
Indemnity Plan
Indemnity Plan defined
Indemnity Plan defined
CHIP Overview
If you cannot afford to buy private health insurance and your family earns too much to qualify for Medicaid, you may be eligible for CHIP, the Children's Health Insurance Program.
If you cannot afford to buy private health insurance and your family earns too much to qualify for Medicaid, you may be eligible for CHIP, the Children's Health Insurance Program.
Guaranteed Issue
Learn the meaning of the term “Guaranteed Issue” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Guaranteed Issue” from your About.com Guide to Health Insurance.
Medicare Part B Overview
Medicare Part B, also known as the Medical Insurance program, helps cover the costs of medical services, such as your doctor's care and prevention services for the early diagnosis and treatment of illness. If you are 65 or older, you are automatically eligible for Medicare Part B.
Medicare Part B, also known as the Medical Insurance program, helps cover the costs of medical services, such as your doctor's care and prevention services for the early diagnosis and treatment of illness. If you are 65 or older, you are automatically eligible for Medicare Part B.
Major Medical
Major medical defined
Major medical defined
California Health Insurance
Most health insurance plans are regulated by your state government. Since the states differ considerably in the rules they set for health plans – such as mandating certain benefits – and the types of state health insurance programs offered, it is important that you understand what is unique about California.
Most health insurance plans are regulated by your state government. Since the states differ considerably in the rules they set for health plans – such as mandating certain benefits – and the types of state health insurance programs offered, it is important that you understand what is unique about California.
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Are you running out of time and ways to spend money you've set aside in an FSA? Here are the 10 best ways to spend your remaining Flexible Saving Account dollars.
Are you running out of time and ways to spend money you've set aside in an FSA? Here are the 10 best ways to spend your remaining Flexible Saving Account dollars.
High Risk Pools Overview
There are many people who can afford to buy health insurance but are turned down by insurance companies because they have a serious pre-existing condition such as cancer, diabetes, or an HIV infection. 35 states have created special programs (known as hgih-risk pools) for residents who are denied coverage by private insurers because of health-related issues.
There are many people who can afford to buy health insurance but are turned down by insurance companies because they have a serious pre-existing condition such as cancer, diabetes, or an HIV infection. 35 states have created special programs (known as hgih-risk pools) for residents who are denied coverage by private insurers because of health-related issues.
Pill Splitting Saves Money
Splitting pills has become a popular way for people to save money on some prescription medications. Learn how to split pills safely and what types of pills cannot be split.
Splitting pills has become a popular way for people to save money on some prescription medications. Learn how to split pills safely and what types of pills cannot be split.
i_need_to_have_surgery_what
To learn how much of an upcoming surgery is covered by health insurance, ask your surgeon for a breakdown of what your procedure normally costs and what preparation, care and supplies will be necessary both before and after surgery. Then, read the health plan summary patients receive upon insurance enrollment. Inside this booklet, insurance companies typically list covered and excluded costs for preventive to emergency care and everything in between.
To learn how much of an upcoming surgery is covered by health insurance, ask your surgeon for a breakdown of what your procedure normally costs and what preparation, care and supplies will be necessary both before and after surgery. Then, read the health plan summary patients receive upon insurance enrollment. Inside this booklet, insurance companies typically list covered and excluded costs for preventive to emergency care and everything in between.
Pharmacy Benefit Manager
Learn the meaning of the term “Pharmacy Benefit Manager” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Pharmacy Benefit Manager” from your About.com Guide to Health Insurance.
Late Enrollment Penalty
Medicare’s late enrollment penalty is an amount that is added to your Part D monthly premium. You may owe a late enrollment penalty if you did not join a Medicare Part D drug plan when you were first eligible for Medicare
Medicare’s late enrollment penalty is an amount that is added to your Part D monthly premium. You may owe a late enrollment penalty if you did not join a Medicare Part D drug plan when you were first eligible for Medicare
Dental Insurance
Dental insurance is meant to help cover some of the costs associated with your dental care. Although regular dental services, including regular checkups and preventive services, such as cleaning, is relatively inexpensive, dental procedures such as dental implants and crowns are expensive.
Dental insurance is meant to help cover some of the costs associated with your dental care. Although regular dental services, including regular checkups and preventive services, such as cleaning, is relatively inexpensive, dental procedures such as dental implants and crowns are expensive.
how_to_choose_a_dental_plan
When choosing a dental insurance plan, it's optimal to look for a plan that covers not only your current needs, but the dental care you and your family may require in the near future.
When choosing a dental insurance plan, it's optimal to look for a plan that covers not only your current needs, but the dental care you and your family may require in the near future.
Self-funded plan
Learn about self-funded health plans and how they differ from fully insured plans
Learn about self-funded health plans and how they differ from fully insured plans
Maryland Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Maryland.
Contact information for state offices and resources for obtaining and keeping health insurance in Maryland.
Medicare Part A
Medicare Part A, also known as the Hospital Insurance program, helps cover the costs of inpatient care in hospitals, inpatient care in a skilled nursing facility, hospice care services, and some home health care services. If you are 65 or older, you are automatically eligible for Medicare Part A.
Medicare Part A, also known as the Hospital Insurance program, helps cover the costs of inpatient care in hospitals, inpatient care in a skilled nursing facility, hospice care services, and some home health care services. If you are 65 or older, you are automatically eligible for Medicare Part A.
Pre-Existing Exclusions
Learn the meaning of the term “Pre-Existing Condition Exclusion Period” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Pre-Existing Condition Exclusion Period” from your About.com Guide to Health Insurance.
Health Reform Timeline
Virtually all Americans will be affected in some way with the enactment of the Patient Protection and Affordable Care Act, which President Obama signed into law on March 23, 2010. The following timeline highlights some of the legislation’s specific provisions and an outline of when these requirements are scheduled to be implemented.
Virtually all Americans will be affected in some way with the enactment of the Patient Protection and Affordable Care Act, which President Obama signed into law on March 23, 2010. The following timeline highlights some of the legislation’s specific provisions and an outline of when these requirements are scheduled to be implemented.
Health Coverage Mandate
One of the more controversial parts of the health reform legislation is the issue of a health insurance mandate – the requirement that, starting in 2014, all Americans must have healthcare coverage. The vast majority of people in this country have health insurance through work or a public plan such as Medicare and Medicaid.
One of the more controversial parts of the health reform legislation is the issue of a health insurance mandate – the requirement that, starting in 2014, all Americans must have healthcare coverage. The vast majority of people in this country have health insurance through work or a public plan such as Medicare and Medicaid.
Save on Out of Pocket Costs
If you are healthy and do not anticipate any (or a small amount of) medical spending in the coming year, choosing a plan with larger out-of-pocket expenses may make sense for you.
If you are healthy and do not anticipate any (or a small amount of) medical spending in the coming year, choosing a plan with larger out-of-pocket expenses may make sense for you.
Forced into Medicare
Learn more about what happens when a retiree turns 65.
Learn more about what happens when a retiree turns 65.
5 Health Trends for 2010-2019
During the past decade (2000 through 2009) there has been tremendous progress in medical care in the United States and around the world. Our research and technology continues to improve the quality of care and quality of life for people with chronic illness. The coming decade (2010-2019) should bring more advances but also limited access to primary care and a population burdened with obesity and diabetes.
During the past decade (2000 through 2009) there has been tremendous progress in medical care in the United States and around the world. Our research and technology continues to improve the quality of care and quality of life for people with chronic illness. The coming decade (2010-2019) should bring more advances but also limited access to primary care and a population burdened with obesity and diabetes.
Out-of-Pocket Expenses
Learn the meaning of the term “Out-of-Pocket Expenses” from your About.com Guide to Health Insurance
Learn the meaning of the term “Out-of-Pocket Expenses” from your About.com Guide to Health Insurance
Adverse Selection
: Adverse selection is the tendency for people to avoid buying insurance unless they are sure they will
: Adverse selection is the tendency for people to avoid buying insurance unless they are sure they will
HMO
Learn the meaning of the term “HMO - Health Maintenance Organization” from your About.com Guide to Health Insurance.
Learn the meaning of the term “HMO - Health Maintenance Organization” from your About.com Guide to Health Insurance.
Low Cost Drugs-10 Ways to Save
Save on the cost of drugs by following these 10 recommendations. You can find cheap drugs or less-expensive alternatives by taking charge of your healthcare.
Save on the cost of drugs by following these 10 recommendations. You can find cheap drugs or less-expensive alternatives by taking charge of your healthcare.
Arizona
Contact information for state offices and resources for obtaining and keeping health insurance in Arizona.
Contact information for state offices and resources for obtaining and keeping health insurance in Arizona.
Florida Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Florida
Contact information for state offices and resources for obtaining and keeping health insurance in Florida
what_if_your_health_insurance
Learn more about your options when a medical procedure recommended by your doctor isn't covered by insurance. Sometimes, it is possible to negotiate with your doctor and insurance company for the best deal.
Learn more about your options when a medical procedure recommended by your doctor isn't covered by insurance. Sometimes, it is possible to negotiate with your doctor and insurance company for the best deal.
Discount Medical Cards
Are discount medical cards a viable alternative to insurance coverage? Find out more!
Are discount medical cards a viable alternative to insurance coverage? Find out more!
PPO
Learn the meaning of the term “PPO - Preferred Provider Organization” from your About.com Guide to Health Insurance.
Learn the meaning of the term “PPO - Preferred Provider Organization” from your About.com Guide to Health Insurance.
Georgia Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Georgia
Contact information for state offices and resources for obtaining and keeping health insurance in Georgia
Hawaii Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Hawaii
Contact information for state offices and resources for obtaining and keeping health insurance in Hawaii
Kentucky Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Kentucky.
Contact information for state offices and resources for obtaining and keeping health insurance in Kentucky.
Categorically Needy
: A distinction for individuals who fall into a specific category (or criteria)of mandatory Medicaid
: A distinction for individuals who fall into a specific category (or criteria)of mandatory Medicaid
Consumer-Directed Health
: Consumer-directed health care is a type of healthcare financing designed to reduce health spending
: Consumer-directed health care is a type of healthcare financing designed to reduce health spending
Universal vs. Single-payer
Learn more about universal coverage and single-payer systems, important health care reform concepts
Learn more about universal coverage and single-payer systems, important health care reform concepts
Pay-for-Performance
Learn more about pay-for-performance, how it could change our health care system, and how it might affect you.
Learn more about pay-for-performance, how it could change our health care system, and how it might affect you.
Save Money with Generics
Generic drugs can save you up to 80% on the cost of a prescription when compared with the brand name drug. Generic drugs are readily available to treat many common health conditions. More than 50% of all prescriptions in the U.S. are filled with generic drugs.
Generic drugs can save you up to 80% on the cost of a prescription when compared with the brand name drug. Generic drugs are readily available to treat many common health conditions. More than 50% of all prescriptions in the U.S. are filled with generic drugs.
New Jersey
Contact information for state offices and resources for obtaining and keeping health insurance in New Jersey.
Contact information for state offices and resources for obtaining and keeping health insurance in New Jersey.
S. Carolina Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in South Carolina
Contact information for state offices and resources for obtaining and keeping health insurance in South Carolina
Travel Health Insurance
Travel Health Insurance is a special policy designed to cover your medical expenses if you get sick or injured on a trip. It covers you for only a limited time, and is usually purchased to cover people on foreign trips. Whether or not you need travel health insurance depends on how likely you think it is that you might need medical care during your trip, and on your ability to pay for it if the need arises.
Travel Health Insurance is a special policy designed to cover your medical expenses if you get sick or injured on a trip. It covers you for only a limited time, and is usually purchased to cover people on foreign trips. Whether or not you need travel health insurance depends on how likely you think it is that you might need medical care during your trip, and on your ability to pay for it if the need arises.
Minnesota Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Minnesota.
Contact information for state offices and resources for obtaining and keeping health insurance in Minnesota.
Government Programs Save Money
You can save on the cost of your medications by exploring federal and state government programs. Whether or not you have health insurance with drug coverage, these programs may help you save money.
You can save on the cost of your medications by exploring federal and state government programs. Whether or not you have health insurance with drug coverage, these programs may help you save money.
Connecticut Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Connecticut
Contact information for state offices and resources for obtaining and keeping health insurance in Connecticut
why_is_health_insurance_so
Health insurance in America is expensive partly because American health care itself is expensive, at least compared to the rest of the industrialized world. The average annual premium on an employer-provided health plan for a family of four reached $12,700 in 2008, according to the National Council on Health Care, a non-partisan reform group. That was up 120 percent since 1999, rising four times faster than the growth in annual wages.
Health insurance in America is expensive partly because American health care itself is expensive, at least compared to the rest of the industrialized world. The average annual premium on an employer-provided health plan for a family of four reached $12,700 in 2008, according to the National Council on Health Care, a non-partisan reform group. That was up 120 percent since 1999, rising four times faster than the growth in annual wages.
Missouri Health Insurance Info
Contact information for state offices and resources for obtaining and keeping health insurance in Missouri.
Contact information for state offices and resources for obtaining and keeping health insurance in Missouri.
Doctor Shortage and Reform
With the passage of health reform, many are concerned that adding more than 30 million newly insured people into our health system will make the shortage of primary care physicians (PCPs) worse. There will be many more patients and a lot fewer primary care physicians!
With the passage of health reform, many are concerned that adding more than 30 million newly insured people into our health system will make the shortage of primary care physicians (PCPs) worse. There will be many more patients and a lot fewer primary care physicians!
Pre-Approval
: Some health insurers require pre-approval, also known as pre-certification, for certain types of healthcare
: Some health insurers require pre-approval, also known as pre-certification, for certain types of healthcare
Generic Drugs
Learn the meaning of the term “generic drugs” from your About.com Guide to Health Insurance.
Learn the meaning of the term “generic drugs” from your About.com Guide to Health Insurance.
Tiered Formulary
Learn the meaning of the term “Tiered Formulary” from your About.com Guide to Health Insurance.
Learn the meaning of the term “Tiered Formulary” from your About.com Guide to Health Insurance.
Alabama
Contact information for state offices and resources for obtaining and keeping health insurance in Alabama.
Contact information for state offices and resources for obtaining and keeping health insurance in Alabama.
New York Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in New York
Contact information for state offices and resources for obtaining and keeping health insurance in New York
Short-Term Insurance
Learn more about short-term health insurance, a low-cost option for people who are temporarily without health insurance coverage.
Learn more about short-term health insurance, a low-cost option for people who are temporarily without health insurance coverage.
Community Rating
Find out what community rating is and how it can affect your health insurance premium. Learn about health insurance premium rating.
Find out what community rating is and how it can affect your health insurance premium. Learn about health insurance premium rating.
Drug Formulary
: A list of prescription drugs, both generic and brand name that are available through your health plan.
: A list of prescription drugs, both generic and brand name that are available through your health plan.
Save on Generics at Big Stores
Generic drugs can save you up to 80% on the cost of your medication. Big-box stores such as Walmart and target have generic drug programs, which offer a 3-month supply of many generic drugs for $10.00.
Generic drugs can save you up to 80% on the cost of your medication. Big-box stores such as Walmart and target have generic drug programs, which offer a 3-month supply of many generic drugs for $10.00.
medicare_for_americans_under
For a select few - those with long-term disabilities, or those who have been diagnosed with a couple of specific diseases - medicare coverage is available at any age.
For a select few - those with long-term disabilities, or those who have been diagnosed with a couple of specific diseases - medicare coverage is available at any age.
Patient Bill of Rights
The Patient Bill of Rights establishes a new set of rules made possible by the Affordable Care Act, which will take effect for most health plans starting on or after September 23, 2010. These rules will remove barriers between you and your doctor and help provide the peace of mind that health insurance will be there when you need it the most.
The Patient Bill of Rights establishes a new set of rules made possible by the Affordable Care Act, which will take effect for most health plans starting on or after September 23, 2010. These rules will remove barriers between you and your doctor and help provide the peace of mind that health insurance will be there when you need it the most.
Catastrophic Coverage
: Catastrophic coverage is insurance coverage that is designed to protect the consumer from financial
: Catastrophic coverage is insurance coverage that is designed to protect the consumer from financial
Flexible Spending Accounts
It’s important to understand the changes made to flexible spending accounts (FSAs), health reimbursement arrangements (HRAs), and health savings accounts (HSAs) because of the new health reform law.
It’s important to understand the changes made to flexible spending accounts (FSAs), health reimbursement arrangements (HRAs), and health savings accounts (HSAs) because of the new health reform law.
Michigan Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Michigan
Contact information for state offices and resources for obtaining and keeping health insurance in Michigan
open_enrollment_cheat_sheet
Whether you're choosing between employer-sponsored insurance plans or shopping for health insurance on the open market, comparing costs is not enough. More important is who you are and how you will need to use your insurance.
Whether you're choosing between employer-sponsored insurance plans or shopping for health insurance on the open market, comparing costs is not enough. More important is who you are and how you will need to use your insurance.
Cost Transparency
: Healthcare cost transparency is the ability of the patient to discover how much a particular medical
: Healthcare cost transparency is the ability of the patient to discover how much a particular medical
What Is a Drug Formulary?
A drug formulary is a list of generic and brand name drugs that are preferred by your health plan. Since your health plan may limit the medications it will pay for, it is important for you to understand your health plan's drug benefit and formulary.
A drug formulary is a list of generic and brand name drugs that are preferred by your health plan. Since your health plan may limit the medications it will pay for, it is important for you to understand your health plan's drug benefit and formulary.
Do I Need Dental?
When looking to cut costs, dental insurance may be something you consider nixing from your budget. Not so fast. Learn about why it may be worthwhile to have dental insurance, even if your teeth are healthy.
When looking to cut costs, dental insurance may be something you consider nixing from your budget. Not so fast. Learn about why it may be worthwhile to have dental insurance, even if your teeth are healthy.
Health Reform FAQS
The Affordable Care Act (the health reform legislation signed into law in March 2010) has already made some significant changes to your health insurance. The law is complicated and phases in many of the changes over time. This article compiles and answers 15 questions that are sent to me by readers of this site or have been posted in health insurance forum or as blog comments.
The Affordable Care Act (the health reform legislation signed into law in March 2010) has already made some significant changes to your health insurance. The law is complicated and phases in many of the changes over time. This article compiles and answers 15 questions that are sent to me by readers of this site or have been posted in health insurance forum or as blog comments.
Universal Coverage
If you are following the healthcare reform efforts here in the U.S., you may want to learn more about universal coverage and what it will mean for you and your family. Find out more about universal coverage.
If you are following the healthcare reform efforts here in the U.S., you may want to learn more about universal coverage and what it will mean for you and your family. Find out more about universal coverage.
Medical Errors-Health Reform
Preventable medical errors kill and seriously injure hundreds of thousands of Americans every year. The Affordable Care Act has a number of provisions that may improve patient safety.
Preventable medical errors kill and seriously injure hundreds of thousands of Americans every year. The Affordable Care Act has a number of provisions that may improve patient safety.
Affordable Care Act Tax Provisions
The Affordable Care Act contains several tax provisions that will take effect as different parts of the health reform legislation are implemented. The purchase and provision of health insurance is entwined with many people’s jobs and tax-related benefits. Because of this, almost all the new regulations involve the U.S. Department of Labor and the IRS.
The Affordable Care Act contains several tax provisions that will take effect as different parts of the health reform legislation are implemented. The purchase and provision of health insurance is entwined with many people’s jobs and tax-related benefits. Because of this, almost all the new regulations involve the U.S. Department of Labor and the IRS.
Long Term Care Overview
Long term care (LTC) is a type of service or support to help you meet your health or personal care needs over an extended period of time and to help you be as independent as possible. It may include options such as a nursing home, assisted living facility, adult day care program, or care in your home.
Long term care (LTC) is a type of service or support to help you meet your health or personal care needs over an extended period of time and to help you be as independent as possible. It may include options such as a nursing home, assisted living facility, adult day care program, or care in your home.
Medicare 2011
The Affordable Care Act has made several changes in Medicare for 2011 that may affect you whether you are in the Original Medicare program or have a Medicare Advantage plan.
The Affordable Care Act has made several changes in Medicare for 2011 that may affect you whether you are in the Original Medicare program or have a Medicare Advantage plan.
Medicare Patient Rights
All people with Medicare have certain guaranteed rights and protections, no matter what type of Medicare coverage you have -- either Original medicare or a Medicare Advantage Plan.
All people with Medicare have certain guaranteed rights and protections, no matter what type of Medicare coverage you have -- either Original medicare or a Medicare Advantage Plan.
Medicare Open Enrollment
As a Medicare recipient, you have a chance each year to make changes to your Medicare Advantage plan or Medicare prescription drug coverage for the following year.
As a Medicare recipient, you have a chance each year to make changes to your Medicare Advantage plan or Medicare prescription drug coverage for the following year.
Colorado Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Colorado
Contact information for state offices and resources for obtaining and keeping health insurance in Colorado
Maine Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Maine.
Contact information for state offices and resources for obtaining and keeping health insurance in Maine.
New Mexico
Contact information for state offices and resources for obtaining and keeping health insurance in New Mexico.
Contact information for state offices and resources for obtaining and keeping health insurance in New Mexico.
Illinois Health Insurance
Contact information for state offices and resources for obtaining and keeping health insurance in Illinois
Contact information for state offices and resources for obtaining and keeping health insurance in Illinois
Waiver
When reading up on Medicaid and Medicaid eligibility requirements, you may hear that a state has applied for a medical waiver. What are medical waivers? What do they mean for your access to Medicaid?
When reading up on Medicaid and Medicaid eligibility requirements, you may hear that a state has applied for a medical waiver. What are medical waivers? What do they mean for your access to Medicaid?
Health Insurance Rejection
Have you been rejected for health insurance coverage? Find out why and what you can do about it.
Have you been rejected for health insurance coverage? Find out why and what you can do about it.