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Affordable Health Insurance In And Around Michigan

Affordable Health Insurance In And Around Michigan

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While group health insurance is ideal, there are several ways to obtain affordable health insurance in Michigan if you are unable to obtain it through an employer-sponsored group health insurance plan.

If you have recently become unemployed, you may be eligible for the Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, which allows you to continue your health insurance after becoming unemployed. You may also be eligible for the services offered by the Health Insurance Portability and Accountability Act, or HIPAA. Other possible affordable health insurance options in Michigan include insurance conversion, Medicaid, Medicare, and state-sponsored health care plans which focus on low-income individuals, children, and families, or those who can not otherwise afford a health insurance policy.

Yet, if none of these options are available to you, you may have to purchase an individual health insurance plan. However, in Michigan, you can set out to purchase an affordable individual health insurance plan without having to worry about being turned down due to pre-existing health conditions you may have. The only stipulation to this is that you must purchase your individual health insurance plan with Blue Cross Blue Shield of Michigan.

Why is this stipulation worth accepting? Because it is hard for people with pre-existing health conditions to purchase individual health insurance policies. Health insurance companies sometimes refuse to sell individual health insurance policies to the people because the companies feel they are too “high-risk, ” meaning, they are going … Read more

The Benefits of Low Cost Health Insurance

The Benefits of Low Cost Health Insurance


To protect and preserve one’s health, low cost health insurance is needed.
Due to the increasing costs of doctor’s professional fees and hospital charges, there should be low cost health insurance available to everyone. US government statistics show that more than 40 million Americans do not have low-cost health insurance. Health care prices are rapidly and continuously going up and many people cannot even afford basic healthcare insurance.

Low cost health insurance are programs that offers health insurance policies at a much lower price. Students, the unemployed and low-income families are the best candidates for such low-cost health insurance. These people can choose from a list of low cost health insurance policies that offer coverage at a minimal price. These low-cost health insurances offer low premiums compared to the other health insurance programs out there. In some of these plans, the employer pays part of the premium. It is important that, although not expensive, the plan should fit the individual’s needs. The low cost health insurance plan should also offer protection against major illnesses such as cancer and diabetes.

The disadvantage of low-cost health insurance is that, because of the lower premium, there are also fewer benefits. The low cost health insurance typically offers basic coverage such as paying the cost of hospital, surgical, and physician bills. Operating room, diagnostic procedures, anesthesia, and laboratory expenses are usually covered also. However, individuals with low cost health insurance get very few of the great benefits … Read more

Health and Medical Insurance – Comparing Managed Care Health Plans

Health and Medical Insurance – Comparing Managed Care Health Plans

Health insurance plans have been forced to take action to contain costs of quality health care delivery as health care costs have skyrocketed. Health insurance premiums, deductibles and co-pays have steadily increased, and health insurance companies have implemented certain strategies for reducing health care costs. “Managed care” describes a group of strategies aimed at reducing the costs of health care for health insurance companies.
There are two basic types of managed care plans; health maintenance organizations, or HMOs, and preferred provider organizations, or PPOs. So which health plan is best? How do you choose what type of health insurance best suits the healthcare needs of you and your family?
Both HMOs and PPOs contain costs by contracting with health providers for reduced rate on health-care services for its members, often as much as 60%. One important difference between HMOs and PPOs is that PPOs will often cover the costs of care when the provider is out of their network, but usually at a reduced rate. On the other hand, most HMOs offer no coverage for health care services for out-of-network providers.
Both HMO and PPOs also control healthcare costs by use of a gateway, or primary care provider (PCP). Health insurance plan members are assigned (or select) a primary care practitioner (physician, physician assistant, or nurse practitioner). usually a family practitioner or internal medicine doctor for adult members or a pediatrician or family care practitioner for childern. The primary care … Read more

Affordable Health Insurance In Pennsylvania

Affordable Health Insurance In Pennsylvania

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If you have just become unemployed and lost your employer-sponsored group health insurance plan, one way for you to obtain affordable health insurance in Pennsylvania is to purchase a conversion plan.

Conversion coverage is an individual health insurance policy that comes from the same company that provided group health insurance to your employer and his or her employees. If you received employer-sponsored group health insurance for no less than three months, you are eligible for conversion health coverage. When you purchase a conversion health insurance plan in Pennsylvania, you must pay the premiums that your employer may have once paid for you under your employer-sponsored group health insurance plan; however, you can’t be denied due to any medical conditions.

Affordable health insurance in Pennsylvania in the form of conversion insurance covers not only you, but anyone else who was previously covered under your employer-sponsored group health insurance plan. This includes your spouse – even if the two if you are divorced – and your children. As long as the person is your dependent, and previously covered with your health insurance policy, he or she can also be covered under your conversion coverage plan.

You are not eligible for conversion health coverage if you are already receiving or are eligible to receive, health insurance offering similar coverage from another group health insurance plan, or health care programs such as Medicare. In most cases, you must also use up the Federal COBRA health care coverage … Read more

Florida Self Employed Health Insurance

Florida Self Employed Health Insurance

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Florida residents that are self employed and looking for health insurance have a number of options available to them.
Be aware that depending upon your health, your age, and other factors unique to your particular situation there is no hard and fast rule as to which option is best for you. However, there are some general guidelines that will help you make the best Florida self-employed health insurance decision.

The first Florida health insurance option available to the self employed is to simply apply for an individual health insurance policy. The benefit to applying for an individual health insurance policy is that individual health insurance rates in Florida are very competitive. You can see that first hand by viewing instant Florida health insurance quotes.

The downside to attempting to purchase an individual health insurance policy in the state of Florida is that you must be healthy. According to FL law, a health insurance company can decline your application for an individual health insurance policy based on prior medical history (pre-existing conditions), height and weight restrictions, and other health related criteria.

That means if you have cancer, diabetes, weight problems, or a host of other physical ailments then you will be denied coverage with a Florida individual health insurance policy. (Any unscrupulous agent that tries to tell you otherwise is misrepresenting whatever product he or she is trying to sell you as health insurance when in fact it is probably a discount health plan … Read more

Anyone Wants Health Insurance?

Anyone Wants Health Insurance?

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Health insurance is important to every individual because one never knows when he will need it. Due to the advances in modern medicine, medical diagnostic and treatment procedures are now a lot more expensive than before. Not everyone can afford the full cost of medical treatment which could easily add up to thousands of dollars.

The tremendous increase of health insurance prices in recent years has been attributed to various health-related factors such as lack of regular exercise, unhealthy food choices, exodus of doctors away from poor areas and rural areas, alcohol consumption, cigarette smoking, the popularity of drug addiction, increased body fat leading to obesity and the sedentary life led by most individuals nowadays.

Health insurance coverage originated in 1694 by Hugh the Elder Chamberlen, who first thought of the concept of health insurance. In the late 19th century, health insurance was called disability insurance because health insurance was limited only to medical costs of such injuries that would potentially lead to disability.

Health insurance is a program in which the insurer pays the medical costs of the insured should the insured become afflicted with sickness due to diseases or accidents covered by the insured’s plan. There are private organizations and government agencies who offer health insurance.

Health insurance is classified into private or non-government coverage or government-sponsored. A private health insurance is purchased from a private health insurance company and it is further classified into employment-based health insurance, which if offered through … Read more

Public Health Nursing

Public Health Nursing

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Isn’t it good health one of our priorities in the family among other things? With that in mind, wouldn’t it be very comforting to know also if the community where we live in also promotes public health nursing? Even if your eyebrows meet and your forehead carries a large question mark because you don’t know exactly it means and what it can do to your community, but if you read it between the lines, I’m sure you would say yes right away!

But, what really is public health nursing? For some, the words may sound familiar, while others may find the words confusing. Actually, public health nursing is the practice of upholding and protecting the health of the community by using the knowledge learned from nursing, social, and public health sciences. Given the good intention of public health nursing, it is not surprising to know that you can find public health nursing almost anywhere in the country.

Public health nursing is, in fact, developed to describe its specific roles and to provide a guide for public health nursing practice in the ever growing health care system. However, the public health nursing practice can be affected by certain factors, such as environmental, biological, cultural, economic, social and political aspects of a community. Due to the fact that public health nursing is an integral part of the healthcare system, the former is also responsive to these factors by way of working with the community in promoting health … Read more

Affordable Health Insurance For People Who Live In New York

Affordable Health Insurance For People Who Live In New York


If you are not eligible for COBRA, HIPAA, insurance policy conversion, state continuation, Medicaid, Medicare, or any type of state-sponsored health care program, but are in need of affordable health insurance in New York, you may have to purchase an individual health insurance plan.

Most people groan at the thought of purchasing an individual health insurance plan – and for good reason. Individual health insurance plans are usually more expensive than the ideal health care coverage – employer-sponsored group health insurance plans. However, in New York, you can purchase an affordable individual health insurance plan for a couple of reasons.

First, when you set out to purchase an individual health insurance plan in New York, you can not be turned down due to your particular health conditions. This is great news because many people with pre-existing health conditions tend to have a difficult time finding health insurance companies that will sell health insurance to them. Health insurance companies view people with pre-existing or serious health conditions as higher risks to insure. They view them as potentially lost money. Yet, in New York, there are health insurance companies that will not turn you down regardless of any pre-existing health conditions you may have, or the severity of the health condition.

Second, you will not be charged a higher health insurance rate due to your pre-existing health condition, regardless of the severity of your pre-existing health condition. This is more great news, … Read more

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