Health insurance coverage; COBRA – a rescue for the jobless; Free clinics – a savior for the uninsured

With the current economic crisis resulting in unemployment all around the globe, the number of uninsured individuals in the country has been on a steady rise. Regular visits to the doctor has been cut down and many people are not aware of how else to secure their health insurance coverage. People who have just left their jobs and are looking out for a new one can stay in the insurance plan of their employer by enrolling in the initiative called COBRA during the transition period. If the premiums are too high, they can avail basic health insurance coverage by purchasing […]

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Expansion of health insurance program for children

The US government has signed a legislation to expand the SCHIP (State Children’s Health Insurance Program). SCHIP makes it eligible for children from low-income strata families to consult a doctor or seek medical help when they are sick. This initiative has included providing coverage to about 11 million children as compared to around 7 million before. SCHIP is expected to make a huge difference to the younger generation and ensure that their health situation is taken care at an early stage so that their fitness would increase in the long run when they become older. This would also ensure that […]

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Consumer approach to health insurance – A critical view point

There is a common criticism about insurance companies that they do not provide coverage for individuals with serious illnesses or health disorders which require huge expenses to undergo medical treatment. However, the consumer approach to availing health insurance coverage also needs to be looked at critically. Most of the consumers think that paying insurance premiums is a waste of money and also it is a way in which insurance agents try and sell policies for their own benefit rather than the benefit of the customers. Many individuals think that their health situation is completely normal and refrain from going for […]

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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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Private health insurance coverage at a shocking low level

Reports reveal that the percentage of American citizens who have purchased a private health insurance coverage plan has reached the lowest level in the last 50 years in spite of enough warnings spread through various sources about the importance of coverage through a reliable health insurance plan. Statistics state that about 80% of the senior citizens availed coverage during the 1970s ‘ 80s through a private medical insurance plan. It dropped down to about 67% around 2007 and further went down to about 65% during 2008. With the recession at its peak, the uncertainty of job scenario and affordability, skyrocketing […]

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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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20% of the kids in Arizona are uninsured

As the health reform efforts continue, the Congress is looking at increasing the affordability of the health insurance premiums so that more people can avail the benefits. However, according to survey reports, about 20% of the children in Arizona, who are entitled for almost free health insurance coverage with highly subsidized premiums, still remain uninsured. The kids care program was launched more than a decade ago to insure children of parents with very low income level. In addition, Arizona Health Care Cost Containment System provides free health care to every individual earning below the designated federal poverty level. With the […]

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Ask Medicare Website

It is good news now for caregivers who want to save time and provide effective long-term care for the needy patients. The Department of Health and Human Services has come up with a website named “Ask Medicare”. This serves as a very useful tool for caregivers to navigate through the complex web of Medicare system which is sometimes confusing. Reports state that one of the caregivers found this site very useful when she had to help her mother with Alzheimer’s disease. She received medical supplies with the assistance of the Medicare personnel who recommended this new site to her. The […]

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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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