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Basic errors in national healthcare system (NHS) in United Kingdom
Basic errors killing 1000 NHS patients a month a study has revealed The largest and most detailed survey into hospital deaths has revealed that almost 12,000 patients are needlessly dying every year as a result of poor patient care. As our healthcare system comes under government control, one hopes the U.S. government does a better […]
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What does an internet health insurance quote mean?
In general, internet quotes provide you with the most optimistic pricing that would apply to your particular situation. Most, but not all companies have two basic health ratings, Preferred and Standard. However, rates can be changed outside of these boundaries. Typically, the transition between Preferred and Standard is based on body build (height and weight) […]
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Are urgent care visits covered by an office visit Copay?
I’ll address this for individual plans. For group plans the answer will change from group to group. In general Urgent Care visits are NOT covered by an office visit copay. What happens in most cases is the bill is sent to your insurance company. Assuming the urgent care center is in-network, here is what will […]
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Affordable care act Prescription mandates are weak
When the Obama administration set initial rules last December to determine what minimum benefits insurers must offer in plans sold to individuals and small groups starting in 2014, one provision stood out: Insurers selling small group and individual policies would have to provide at least one drug per class of drug. In other words, insurers […]
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PPACA (Obamacare) left untouched by the Supreme Court
As you have undoubtedly heard, the Patient Protection and Affordable Care Act, was left untouched by the Supreme Court. What does this mean if you’re presently looking for coverage? Answer: At the present time, not much. As we approach the 2014 there may be some strategies applicants wish to use but at this point in […]
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What is a major medical deductible?
It seems that of all the terms associated with heatlh coverage, the deductible should be the easiest to understand. Basically that’s the case but there are some topics worth discussing so you’re not surprised when the time comes that you’re faced with major significant medical expenses. What IS a deductible? The dedutible is the amount […]
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Parents: Student health insurance is changing
And of course, when it comes to health insurance, change means more expensive. From the Kansas City Start, Health care reform law dictates changes for student insurance coverage, explains the situation. Thousands of college students face serious sticker shock this year if they want school-subsidized health insurance. The cost is expected to be sharply higher […]
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What is coinsurance?
Coinsurance is a fancy name for cost sharing between your major medical insurance company and yourself. Let’s do a quick coinsurance Q & A: When do I encounter coinsurance? Coinsurance is typically encountered after the plan deductible has been met What are typical values of coinsurance? Typical values are 80/20, 70/30 and 50/50. The insurance […]
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Health insurance for young people
This San Francisco Chronicle piece, 3 Inexpensive Healthcare Options For Young People, examines coverage options for todays young people. Finding the right health insurance at the right price isn’t easy. It can be difficult for anyone at any age to find the best plan. If you’re a young adult just out of college, looking for […]
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Most popular element of the Affordable Care Act?
That would be allowing young adults to stay (or rejoin) their parents health plan up to age 26. The Commonwealth Fund, a nonprofit organization that analyzes health care issues, polled 1,863 adults between the ages of 19 to 25 and found 47 percent of them joined or remained on their parents’ plans between November 2010 and November […]