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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Bankruptcy and health care

The uninsured individuals always encounter the risk of going bankrupt due to sudden huge medical expenses incurred due to unforeseen illnesses and serious health disorders. Medical incidents are very expensive and always on the rise especially if you live a state with high cost of living. With health care expenses skyrocketing every year it is nearly impossible for an average working class individual to bear the expenses out of his own personal pocket. In the past years, American families going bankrupt due to not purchasing a suitable health insurance plan has been very common. These families ignore the fact that […]

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Small businesses viewpoint: Reform may end up rising the cost of health care costs further

Many of the small ventures are getting choked with the huge expenses incurred due to health care. Some of them refrain from starting new ventures as the affordability of the health care plans look very uncertain and bleak especially in the current volatile job scenario. They fear that the health care overhaul being so actively proposed by the Obama administration may actually raise the costs further because of heavy taxes. A survey report state that many of the early players are finding it very difficult to offer health insurance coverage to their employees with skyrocketing premiums continually on the rise […]

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Young Adults’ Victims of unaffordable insurance

With their job markets at a low and a hazy picture of the future in their front, the insecure young adults are facing a real tough time to find an affordable health insurance plan. As the US is in the midst of undergoing a huge transformation in the health care system, these young individuals struggle to capture a long term career. This actually puts buying a health insurance plan at the backseat. However, just like their older generation, they feel the health care in the United States definitely need a transformation for the benefit of the customers. Some of the […]

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Nearly one-fifth of emergency care patients are uninsured!

In the year 2006, nearly 120 million patients required emergency medical help. However, about one fifth of this population were not covered under any health insurance policy. Two predominant types of people fell into this category – rural inhabitants and patients occupying the low-income strata of the society. The economic situation and unemployment has forced many Americans to give the health insurance coverage a backseat. People do not take timely treatments for their illnesses due to unaffordable health care costs and finally end up in serious health complications requiring emergency intensive care. Hence, if the health care reform caters to […]

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The concept of Health Insurance Exchanges

As the health care overhaul is on its high in the US, one of the new concepts being considered is the introduction of health care exchanges which is supposed to work on the lines of providing a on-stop-solution for all insurance and insurance-related issues. If the health care exchanges are rightly executed, it is expected to hugely transform the way the whole insurance industry sector operates. It may also give a huge boost to the purchasing power of the customers. This would be a blessing to small businesses, which is trying to cope up with the rising health care costs […]

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