Private Health Insurance Coverage – Individuals, Groups and Family

Individuals can buy private health insurance plans to ensure coverage for medical exigencies and assistance. Medical insurance plans are available for a single individual or an entire family consisting of spouse, and children (typically less than 19 years). Health Insurance for individuals and groups can offer a break in premium if all the dependents are registered under the same plan. The premiums are calculated based on the age of the individuals, pre-existing medical conditions and medical services for which the insured seeks coverage. Review the exclusions section especially the pre-existing medical conditions exclusion under the plan. Typically most plans exclude […]

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Wellness Benefit – International Health Insurance coverage

International health insurance with wellness benefit covers various routine check-ups, screening or diagnosis tests, blood tests, smear examinations, cardiovascular observations, neurology check-ups and other important tests that can help detect various types of illnesses and chronic medical conditions. These tests enable the physicians to detect health issues during its early stages and �prevent� them from becoming life threatening. The wellness benefit feature is becoming more and more popular among people in the recent years as it reduces health care costs in the long run. Wellness benefit also encourages people to monitor their health on a regular basis by covering the […]

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Health Insurance coverage compels Americans to take up employment

The global financial crisis has forced some Americans to take up jobs that they would not otherwise opt for under normal situations. Jobs can offer health coverage through the employer�s group health insurance plan. It is quite obvious that health insurance is one of the major lures for some Americans to seek employment. Employee group health insurance plans typically have rich benefits and the employer usually contributes to the premiums. Private Health Insurance premiums for a family in some states can cost more than $1,000 per month. In some instances people work multiple jobs to pay their health insurance premiums. […]

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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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Emergency evacuation and repatriation coverage benefits

International insurance seekers generally opt for the medical evacuation insurance which would enable them to be transported to their home country (or nearest adequate medical facility) in the event of medical help or treatment. While finalizing the international health insurance plan, one needs to be very careful about the actual benefits offered by the policy as it varies between different insurance providers. Some plans cover only evacuation and exclude repatriation Some plans will cover the costs for an adult to accompany the injured or sick during the evacuation Other plans can cover the costs for the entire family to accompany […]

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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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Pre-existing medical conditions checklist

Every individual seeking visitor medical insurance should read the pre-existing medical conditions exclusion of the plan document very carefully. Those who have health disorders or have suffered injuries should pay special attention to the insurance plan exclusions. The following are a few tips for pre-existing medical conditions while one is considering a suitable visitors health insurance plan. In case more than one person is traveling, every traveler needs to be insured under a health insurance plan for the coverage. Travelers whose names are not mentioned in the policy document would not be covered for any claims at a later date […]

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Benefits of the insurance companies in the health reform overhaul

With the health reform overhaul stressing on providing coverage for a larger population and standardizing the minimum coverage benefits, insurance companies may expect to benefit in the long run by establishing competent policies and also attract more customers. The health insurance exchange would provide a common ground for these organizations to provide coverage for millions of new customers who join the insurance segment as the premiums become more affordable. The premiums cannot be more for women or people with poor health but can vary with the number of members in the family as well as the geographical locations. The average […]

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Health Insurance Exchange – An Overview

Health insurance exchanges would act like a market place where one could shop for a wide range of health insurance policies with various premiums and benefits. While each plan would be unique, almost all health insurance plans would offer some common set of benefits (at the minimum) for the benefit of consumers. Individuals, small business owners and big companies alike would be the customers of such health insurance exchanges. Some examples of this concept are available for international student health insurance and visitor medical insurance insurance segments. The health insurance exchange would encourage healthy competition between insurance carriers. Besides, it […]

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Visitors to Health Insurance sites drop, Informative Insurance sites flourish

The global financial breakdown and the increasing unemployment rates are hitting the online health insurance sector. It has been recently observed that the number of visitors to leading online consumer insurance sites has been declining steadily but the searches for information of obtaining affordable health insurance coverage resources have been increasing. The sites providing assistance and useful tips or information for short term health insurance have received an increasing number of vistors. Sites which discuss pros and cons of health reform in the US are getting good response from the visitors who scout for updated information of their health insurance […]

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