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With all the bad publicity the health insurance industry receives, it is easy to conclude that their unbounded greed is driving average Americans to the poor house with ever increasing premiums. But the truth is health insurance companies are are about as responsible for increased costs as is your neighborhood grocer when they raise [...] When a health insurance company receives your application for health insurance, their underwriters review it to see if it meets their guidelines for coverage. If, due to pre-existing medical or lifestyle conditions, you do not meet their requirements, your application may be declined. My first advice, if you are declined, is to request that your [...] Do you believe in Karma? I can remember years ago when things were not going well for us in the sanitary paper business, standing up in front of the sales people who reported to me and saying “at least we don’t sell insurance,” thinking that was the bottom of the barrel. In 1999 I decided [...] We hear a lot about college students racking up big debts in school loans that they have little hope of being able to pay off. In a recent article posted in About.com, Miriam Caldwell discusses how having a serious medical event can similarly jeopardize an uninsured persons economic future. Posted by Miriam Caldwell [...] Very competitive according a recent publication of The Henry J. Kaiser Family Foundation. One of the goals of the new Affordable Care Act (ACA) is that the proposed new health insurance exchanges will enhance competition among insurers to help moderate premiums for individuals. In 17 states a single health insurer dominates the market with more [...] You may be playing with fire when you sign up for a Short Term health insurance policy. Short Term health insurance plans are promoted by health insurance companies to cover gap periods in health insurance coverage. For example, between when person graduates from college and when they find a job that offers benefits, or perhaps [...] According to a recent a study released by the Organization for Economic Cooperation and Development: + The U.S. spends far more than other developed nations on health care but ranks lower on quality and general population health. + The U.S. spends more than two-and-a-half times the average health spending of OECD nations. + The U.S. [...] I don’t believe so. Every time I have looked into it for myself, I have decided not to buy it. I have access to many dental plans and my typical premium would be approximately $40.60/mo. For this I would receive 100% coverage for two annual cleanings. All other procedures have an annual $50 deductible and [...] Guest Blogger Ian Hollaman, DC Did you know that 90% of all hypothyroid cases are autoimmune? Autoimmune thyroid, commonly know as Hashimoto’s disease is the most common autoimmune disease in the United States (estimated at 35 million). The body interprets itself as a threat and makes antibodies against the thyroid tissue, which over time leads [...] The New York Times recently published a very interesting article by Reed Abelson, Gardiner Harris and Robert Pear about the changes that have occurred in health care due to the passage of the Affordable Care Act in March of 2010. Among the changes cited are: * Tougher oversight of health insurers, the expansion of coverage [...] |
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