Affordable health insurance coverage � Popular options

Surveys and research reports reveal a startling number of uninsured Americans who find it difficult to protect themselves and their families under US health insurance coverage during the economic crisis. Probably they are unaware of the different options of health insurance coverage. The following are a few beneficial options to consider Medicare US citizens above 65 years of age as well as individuals who are entitled for social security disability benefits are automatically eligible. Medicaid generally offered to low-income strata who qualify for this program Consolidated Omnibus Budget Reconciliation Act (COBRA) popular among people who are in job transitions or […]

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International Student Health Insurance – Study USA

Every international student planning to enrol into a full-time educational program needs to buy a suitable International Student Health Insurance plan. One of the popular international student medical insurance plans is called Study USA insurance. This student insurance policy provides comprehensive benefits at affordable rates. Foreign students who are pursuing an educational program in the US or US students who have enrolled for an educational program abroad are eligible for this plan. Applicants should be below 66 years of age. Dependants can also be covered under this plan. All the members seeking insurance should hold a valid visa at the […]

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Medical evacuation insurance

Medical evacuation insurance may be included as a regular coverage benefit or it becomes an optional coverage in the case of some health insurance plans. Though it may look too dramatic to buy, the expense that an individual needs to bear in case it is required is too high. It could work out to $100,000 excluding the hospitalization and treatment expenses! This benefit typically comes in two forms: Emergency evacuation: This is the assistance that you may require from the insurance company which involves transporting you to a medical set-up in case you are stuck in an emergency like an […]

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How to go for a wellness benefit check-up

Wellness benefit coverage in a health insurance plan typically covers for routine health examinations like screening and diagnosis tests, blood tests, cholesterol and thyroid examinations, smear tests, neurology examinations and cardiovascular examinations. Vaccination costs for children are also included in this coverage. The insurance provider who offers this benefit as part of medical insurance generally has a tie up with some clinics and medical set-ups and offers certain medical check-up packages. It is more advantageous if there is a provision of direct claims settlement where the bills are settled by the insurance provider to the hospital. The insured just needs […]

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Federal approach to the health insurance overhaul

The principal approach to the health reforms by the US government lies in the fact that the health insurance should be affordable and beneficial so as to reduce the number of uninsured and eventually cover everybody. US Fed is toying with the idea of a country-wide insurance market-place where citizens regardless of their state of residence could choose from a wide range of health insurance plans. Some minimum set of benefits could be mandated by the federal government. While there is much debate the details of the proposal are hard to obtain as well as hard to understand. It remains […]

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Tobacco tax funds for Children’s Health Insurance

The Obama administration is considering a huge increase in Tobacco taxes to promote tobacco control initiatives and hence work towards public welfare. The funds that are obtained by this increase in tax would be used for the uninsured children from the low income strata of the society who are in dire need of US health insurance. This decision has been welcomed by various organizations who deal with health care and child welfare as the extra funds would be diverted for a much needed cause of a healthier future generation. This initiative would also ensure that children�s health coverage would increase […]

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The Issue of Consumer Protection

The need for the betterment of consumer protection is one of the main issues of the health reform that is the hot topic of the insurance segment in the US today. This is the first step to end the nightmare of highly expensive treatments required by the helpless uninsured patients for some costly illnesses. Such a practical and important step seems to be overlooked by the government during the overhaul discussions. However, experts state that significant consumer protection measures have been taken that would secure them from being denied of coverage or end up in cancellation for medical disorders like […]

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Seguro Popular – Universal Health Insurance Programme

Seguro Popular is a system aimed at establishing a universal health insurance program at Mexico for providing assistance to households incurring huge health care expenses and suffering to cope up with the sudden medical costs incurred by the family. Reports state that this beneficial program has reached the poor successfully and reduced the health care expenditure for families who fall into the low-income strata. The plan caters to providing assistance for those diseases which incur huge medical expenses and provides health insurance packages which cover about 312 medications as well as around 266 health interventions. The people who were part […]

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Preventive health care coverage under health insurance plan

The US government is considering seriously providing preventive medical services coverage in order to bring down the health care expenses. The proposal is to cover screening tests and check-ups without expecting the patient to pay the deductibles and co-payments. It is expected that this would contribute to preventive health care initiatives and people would go for routine check-ups. This would help the medical experts to diagnose the disorders at a very early stage and not at the chronic stage or serious damage level which would require expensive treatments, medical procedures and surgeries. With the health care costs at skyrocketing prices, […]

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Preventive health care to reduce medical expenses

Health care expenses in the US are on the rise year after year as the chronic conditions of the patients are ineffectively managed and preventive strategies have not been properly implemented to educate the masses as to how to avoid getting into serious health disorders due to unhealthy lifestyle, irregular eating habits or undesirable health routines. Resources have been used ineffectively and the shortage of medical experts at the right time has resulted in the death of many patients. In addition, with the rising difficulty of financial conditions, it is becoming increasingly difficult for people to afford the expensive premiums […]

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