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Health Insurance Articles

What Is The Difference Between Anthem Blue Cross And Blue Shield?

In California, Anthem Blue Cross and Blue Shield are actually different companies and are competitors. In most other states, they are the same company and formed an association, the Blue Cross Blue Shield Association. Anthem Blue Cross is a for profit company in California, and Blue Shield is a non-profit. Both insurance companies have large networks and very good doctors.

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Getting The Most Out Of My Insurance

Many people ask the same important questions. Which plan is best for me? Which benefits do I need? What is the right amount to pay for individual health insurance? These are all important things to know and should be researched carefully.

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Does My Employer Have To Offer Health Insurance?

The fast answer here is no. Group health insurance offered by your employer is simply a benefit and is not required by law. That being said, many employers over 10 employees offer health insurance. When companies get above 50 full-time employees, it is very common and somewhat surprising if they did not offer health insurance. About 90% of employers over 50 employees offer coverage for their employees.

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What Is Not Covered Under Health Insurance

Individual health insurance plans are different than health insurance plans you might of had while working for a company. Individual plans do not include all types of coverages so it is important to read the benefit details before choosing a plan.

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Health Insurance Exchange In The Future

Starting in 2014, each state will be required to operate an online marketplace for consumers to shop individual and family health insurance. These online websites will be known as health insurance exchanges. And its primary purpose is to offer affordable health insurance for all Americans.

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How Long Does COBRA Coverage Last?

COBRA stands for Consolidated Omnibus Budget Reconciliation Act of Act 1985, and this act requires employers with group health plans to offer their employees the opportunity to continue health coverage after they leave their job. In California, companies that have 20 or more employees fall under the COBRA rules. Under COBRA laws, if you voluntarily resign from your job or are terminated (for any reason other than gross misconduct), you are eligible for continuing your health coverage. It is very important to remember though that you only have 60 days to make your COBRA election before the opportunity goes away.

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The Supreme Court Should Be Deciding Soon

Obama passed the health reform over two years ago. However, it has not gone without its share of debate. Many states, in fact 26 states, have said that some parts of the health reform are unconstitutional. The states have taken the law to the Supreme Court and are trying to strike it down.

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The Main Difference Across Health Insurance Plans

Many consumers ask us what the main difference is across all the different health insurance plans. And also, what makes the prices vary so much from plan to plan. Obviously, there is more than just one factor driving price differences.

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Group Health Insurance Strategies

In California, there are thousands of employers that offer health insurance to their employees. However, every year they are experiencing large rate increases that forces them to pass more of the costs to the employees.

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How Much Will My Premium Increase Each Year?

In California, your policy generally can only be cancelled if you do not pay your monthly premium or the health insurance carrier discovers fraud of some sort. As far as the monthly premium, many ask what will happen each year to the rate of the participant gets sick and has huge medical bills.

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Which Plans In California Are The Best?

There are many different health insurance plans in the marketplace. Each health insurance carrier offers many types of plans to choose from, in both HMO and PPO, so each consumer can choose the plan that makes the most sense for their budget.

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Blue Shield Of California Has New Health Plans In 2012

Blue Shield is one of the largest health insurance carriers in California. They have many HMO and PPO plans to choose from that can save you money. Recently, Blue Shield has changed there entire portfolio to better compete in the marketplace.

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Finding The Right Plan For You

Comparing health insurance plans can be a complex process. There are many different things to think about. Do I want a PPO or a HMO? How much of a deductible do I want or need? Which carrier should I choose? All these questions are important and sometimes the answers are not quite as easy.

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Getting Short Term Health Insurance

There are many health insurance carriers out there in the marketplace that offer short term health insurance plans. These plans usually have a coverage period between 30 and 180 days. Some carriers offer plans that extend longer than that and are month to month plans.

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My Doctor Visits Are Expensive

There are many health insurance carriers out there in the marketplace. Moreover, there are even more health insurance plans to choose from. Looking at the benefit details is an important step to picking the right insurance plan. Is doctor visits important to you?

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Does Medical Insurance Include Dental Coverage?

Both the individual health insurance market and the group insurance market usually have dental insurance as a separate policy. Their are some individual health insurance plans that actually have dental included. Carriers such as Aetna and Cigna offer medical plans with dental as an added benefit.

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Getting Family Health Insurance

Coverage for an entire family is offered by all health insurance carriers. If family coverage is something you need, all you need to get a quote is the home zip code of the primary applicant and age of each person.

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Why Did I Get Denied Health Insurance?

Unlike group insurance from your employer where you simply just sign up and do not go through medical underwriting, individual insurance works a whole lot differently. When you apply for individual health insurance, you have to be aware of a few factors so you can increase your chances of getting approved.

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Is A Medical Exam Necessary For Health Insurance?

Getting approved for individual health insurance works much different than getting a plan under group insurance. When you work for someone else, you can not be denied health insurance because of a pre-existing condition. When you apply for individual health insurance, everything including the approval process changes.

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Is Medicare The Right Choice For Me?

When you turn 65, you have the option to go on Medicare for your health care needs. Medicare is provided by the federal government and is a great way to save money on your health insurance.

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When Do I Add My New Born?

Most carriers give you 10-30 days to add your new born to the health insurance plan. It depends on the state so make sure to check with your health insurance provider. Most people ask if they can add their baby even before they are born.

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What Is A High-Deductible Plan?

A great way to save money is to get a high-deductible health insurance plan. Deductible is the amount of money you are responsible for before health insurance benefits start. Generally, office visits and prescription benefits are not included in the deductible. Once you meet your deductible, the health insurance carriers will pay your medical claims at the coinsurance rate.

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How Does Group Insurance Work?

Many employers offer health insurance to their employees. It is one of the great benefits of working for a company that offer health insurance. Employers are required to contribute towards the health insurance premiums each month. And this makes the health insurance much more affordable for the members.

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Do Most Health Insurance Plans Cover Maternity?

The fast answer here is no. In the individual health insurance market, most health insurance plans do not cover the cost of maternity. If maternity coverage is something you may need, it will be important to plan ahead.

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Important Things To Know About Health Care Reform

A couple of years ago, Obama passed the health reform laws that have changed and might forever change our health care system. Many benefits in the individual market has changed and have affected both the old and young. One of the changes is the lifetime maximum. Now, no one can be denied health care because they have reached a certain amount of benefit.

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PPO vs HMO

Many consumers are always asking us which route to take, HMO or PPO. For individual health insurance, there is usually more health insurance options in the PPO world. Generally speaking, it is also more affordable to go the PPO route.

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