Posts Tagged ‘Individual’

California individual health insurance and health insurance in CA: Guide to getting an individual health insurance in California

Article by jhoana cooper









As in many other states, health insurance in CA provides limited guarantees to individual policy holders in exchange for premiums. However, note that a private individual insurance follows entirely different rules. Your capacity to get a California individual health insurance will depend on your current state of health and other related factors. There are certain cases when insurance companies will be more than happy to insure you, while certain circumstances compel them to decline your application.

Individual health insurance in CA is simply getting a private coverage through a legitimate insurance company. Although they are probably one of the most expensive of health policies, approximately 5% of the American population has individual coverage. Individual plans are usually the least expensive health insurance you can get access to. However, its main disadvantage is that they don’t accept those that currently suffer from any form of health conditions or whose lifestyle they might consider high risk. California individual health insurance companies vary in terms of their acceptance, and decisions are usually subjective.

As mentioned earlier, California individual health insurance policies follow a different set of rules. You can be denied of individual health insurance in CA if you have a serious medical condition such as HIV or cancer. However, you will be an exception if you are eligible with HIPAA. Citizens of CA that have HIPAA eligibility can not be turned down by companies for individual insurance. They also enjoy the advantages of being free from pre-existing condition exclusion periods and certain premium limitations.

The California Department of Insurance mandates that if you have been covered by either an individual or a group policy, and assuming that you have had no missed payments or breaks in coverage not longer than 62 days, the new insurance company should be compelled to give you creditable health coverage for the previous insurance. Moreover, if you already have purchased a California individual health insurance, the coverage will not be cancelled if you are struck by any illness.

California individual health insurance companies have been granted the right to ask questions regarding your medical history. They usually impose stringent requirements to make sure they know almost every aspect of your health and lifestyle. For those with pre-existing conditions or those with rather unhealthy lifestyle, most insurance companies have developed a way to insure “uninsurable” people through individual coverage high-risk pools. In most cases the insurance company will agree to cover you, but will either increase your premium to cover certain conditions, or exclude specific conditions from your coverage as they deem necessary.

Getting an individual health insurance in CA does not necessarily mean that the policy only covers you, the policy holder. This type of health insurance is also available for your dependents and families. There are a wide variety of California individual health insurance plans that provide various types of coverage. The state of California requires health insurance companies a list of mandatory benefits that get updated every now and then. This list should be made available for you.



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Getting health insurance in CA is easier and more affordable than you think! We at EXHealthInsuranceCA can help you get the right health insurance in CA that you and your family need.










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Individual Health Insurance Plans More Affordable

Thеrе аrе many more affordable options fοr individual health insurance thеn thеrе аrе fοr family health insurance. Thе reason fοr thіѕ іѕ bесаυѕе individuals, οn average, wіƖƖ spend much less οn health care each year thаn a family wіƖƖ аnԁ thіѕ allows thеm tο simply pay thе cost οf one οr two doctor visits frοm thеіr οwn pocket аnԁ raise thеіr annual deductible obligation tο a higher level. Thіѕ wіƖƖ lower thеіr monthly payments considerably аnԁ still give thеm protection іn thе event οf long term hospitalization. Easy To Insure ME has the answers

 

Thіѕ іѕ аn example οf mаkіnɡ аn individual health insurance policy more affordable fοr уου. On average, a normal individual wіƖƖ see a doctor approximately twice per year, сοrrесt? Many companies give уου two sick days per year аnԁ уου′ll ԁеfіnіtеƖу want tο ɡеt аn annual check-up, ѕο thеrе′s twice per year, barring аnу unforeseen event. Thе cost οf seeing уουr doctor twice wіƖƖ rυn between 0.00 аnԁ 0.00, depending upon whеrе уου live аnԁ whаt уου′re being seen fοr. Remember thаt thіѕ іѕ a rough estimate ѕο give οr take a bit. Easy To Insure ME has the answers

 

Mу point іѕ thаt even іf уου carry a lower deductible, such аѕ 0-0.00, уου wουƖԁ still hаνе tο pay those costs out οf уουr οwn pocketbook each year until уουr deductible wаѕ taken care οf before thе insurance company wουƖԁ bеɡіn covering уου. Thіѕ being thе case, іn order tο mаkе individual health insurance more affordable уου simply рƖаn οn setting thаt money aside each year.

 

Thе above example іѕ οnƖу аn option fοr helping уου tο mаkе buying a health insurance plan affordable. It’s much better tο carry a high deductible thаn іt іѕ tο hаνе nο coverage іt аƖƖ.

Choose Cobra Or Individual Health Insurance ?

If you left your job voluntarily or I ejected out for the economy, maintain health insurance coverage for you and your family should be one of your top concerns. Even if you are green, can not afford to go without health coverage. All it will take a bad flu season or a serious accident to make a bad situation even worse. Choosing the best type of insurance for your family is as important as deciding to keep it. It’s best to join the Cobra or should go ahead and buy individual health insurance ?

COBRA employers to help you stay healthy for their coverage up to 18 months after he stopped working for them. For most families, this cover acts as a safety net covering them until they are able to sign for different coverage. Individual health insurance, on the other hand, is private insurance that is purchased directly from the insurance company. Until continue paying the premiums will always be covered if you are employed or not.

It’s hard to say whether the individual health insurance is better than COBRA, because the situation of each person is unique and two types of insurance have advantages and disadvantages. With COBRA is sufficient to maintain the same coverage you had with your previous employer. The difference is that now you are responsible for the entire cost of insurance while before your employer in 50-100% of the premium. This can be quite expensive and you will be able to change the insurance plan to something cheaper. Moreover, the coverage is only available for a limited time.

Often you can customize your personal health insurance policy to get what you need can result in lower premiums would be Than COBRA. And, as mentioned before, as long as you continue paying the premiums paid for the rest of your life. The disadvantage of this option is that you may not be able to provide insurance if you have an underlying condition. This, of course, depends on the pre-existing condition you have, but it is quite possible that it would ultimately be rejected outright or pay more for your insurance than you would with a COBRA policy. The best way to understand the best insurance options for you is to talk with an experienced health insurance agent can help you find the policy that suits your needs.

Individual Health Insurance Rates Easy To Insure ME

If you are wondering who regulates the health insurance rates in America, the answer may surprise you. First, it all depends on whether you are buying for yourself, or your employer is providing this option for you and also what state you live in. We will break this down into state rate regulations and federal rate regulations. States do have a hand in making sure the claims filed by the people enrolled can be paid for, but the state puts more emphasis on plans charged to small employers (less than 50 workers) and to people who buy their health coverage individually. There is a reason for this: In most cases, a large employer (more than 50 employees) will be able to negotiate better rates for their employees, since there is a more varied range of health and unhealthy individuals. So, the government pretty much feels like the large companies can fight for themselves. Easy To Insure ME has the answers

Now for the smaller companies employing forty-nine people and less, and individuals who buy it on their own, they need more protecting. They have less leverage to bargain with. If an individual or smaller company has more expensive healthcare costs, the insurer’s desire to sell to this group has decreased. As a result, the insurer may quote health insurance rates at unreasonable prices. For this reason, most states have rate restrictions on premiums for this demographic, just so this doesn’t happen.

As far as federal regulation goes, there is no direct law or regulation that controls how much a company pays for its premium. But there are federal laws that protect individuals from being discriminated against, concerning their health conditions. The Health Insurance Portability and Accountability Act (HIPAA) ensures that employees and their dependents in similar situations with people (for instance, same job title, full time/part time, tenure at the company) in that same group cannot have different health insurance rates. Meaning you cannot be charged exorbitant rates as opposed to the person sitting in the office next to you – no matter what your health status is.

Another regulation is the Employee Retirement Income Security Act. This law is simple: it states that employers must act in the best interest of the participants and their dependents and must provide benefits responsibly. This also regulates protects health insurance rates because it prevents companies, large and small from acting selfishly by keeping its employees needs in mind.

In closing, rest assured that there are state and federal regulations in place that protect you from being singled out – whether you are buying health insurance yourself or your employer is responsible for it, you are protected.

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Tips on Buying Individual Health Insurance

In the United States, health care insurance is necessary to help offset the medical expenses that continues to climb each year.  The seemingly endless rise in the cost of doctor’s visits, medications and medical procedures makes it almost impossible for even those with a decent income to afford a major accident or illness.  If you are struggling to make ends meet, a relatively minor illness or injury could devastate your finances and make it impossible to stay out of debt.  For this reason it is important for each person to make every effort possible to find and maintain a health insurance coverage.

Cheap Medical Exam

Some people are fortunate enough to have group coverage through their employment, but many people (e.g., unemployed and self-employed individuals) do not have the same access and have to use  individual health insurance instead.

The following tips will help you in finding the best individual health insurance coverage at an affordable price.

5 Individual Health Insurance Buying Tips

Compare policies carefully

All health insurance polices are not created equally.  While most have the same basic outline, there are variations in coverage and price.  Do not assume that the most expensive policy has the best coverage or vice versa.  It is true that the better the coverage, the higher the premium, however you must closely examine each policy to ensure you are getting the protection for which you are paying.
Consider your individual needs

Do you plan on having children in the near future?  Do you have pre-existing conditions?  It is important to pick a plan that meets your individual needs.  Childbirth, ongoing treatment of existing conditions and a host of other issues may require special attention from your insurance provider.  Find out if these situations are covered or if you can purchase additional coverage to ensure your insurance offers the protection you need at the time you need it.

Research the company backing the insurance policy

It is not enough to find the best policy if the company backing the policy is not in a position to pay out on claims.  You must vet the supporting company to find out if they have the financial backing to provide the coverage for which you are paying.
Group rates for individuals

For many self-employed individuals the cost of individual health care insurance is simply too high to fit into a limited budget.  Fortunately in many states, a sole proprietor may qualify for lower group rates as an individual.  Where this is allowed, a single person can be considered as a “group of one” and benefit by having lower rates than other individual health care policies.

Some insurance is better than no insurance

Regardless of the research you put into finding affordable individual health insurance, you may find you cannot afford the type of policy that best meets your needs.  If this is the case, remember that some insurance is better than not having any coverage at all.  Consider increasing deductibles or dropping some of the coverage if it helps bring basic coverage within your budget.  Health insurance regardless of where or how you purchase it is costly.  Unfortunately if you become sick or injured and are in need of medical care or hospitalization, the cost of being uninsured becomes much more difficult to manage.

Where to Find Affordable Individual Health Insurance

A friend of mine asked the same question not to long ago. After asking around a bit, the majority of people recommended that he looks at Easy To Insure ME first.

Buying Individual Health Insurance Tips Easy To Insure ME

We all need to have health insurance, and for anyone who is are self employed, or are unable to obtain insurance from your employer, you will have to check into purchasing individual health insurance. Insurance on your own is normally much more expensive than when you get it from a business, so it pays to shop around and obtain the best coverage for you. Even though they are known as individual policies, they often can cover your spouse and kids as well. However, at the time you apply for a policy, there isn’t a guarantee that says you will end up accepted for an individual policy. If you have got certain health conditions, because the policy is medically underwritten, your insurer could deny your application, or add exclusions to your policy. There are several states that make this practice illegal, and this means that health insurers will have to provide you with a policy, whatever medicals problems there are. Easy To Insure ME has the answers

People who are older or who are in bad health, will have to pay higher premiums than those who are younger and in excellent health.

Knowing how health insurance is priced is among the most confusing elements of buying individual health insurance, so evaluating various companies and their rates might make a big difference in the amount you have to pay for health insurance.

In case you are trying to find individual health insurance, don’t let all of the confusion allow you to shy away from getting a policy. Even for people who are in great health, one accident could land you in economic peril without health insurance. Some questions to think about when buying individual health insurance are:

Do I wish to keep my existing doctor? If there is a doctor that you really like, this might determine whether an HMO or PPO plan is good for you. If you have an HMO, then you must use their doctors, but a PPO plan will allow you to use the physician that you pick.

Just how much will it cost me out of pocket, and just how much will my premiums be every month? Is it intelligent for me to pay more for lower out of pocket expenditures? For a comprehensive health plan that doesn’t have many out of pocket costs, an HMO might be what you are searching for. However, if you’re in your 20′s or 30′s, don’t have children, and have more money saved up, you can save money by only getting insurance for catastrophic illnesses. This will mean that you’ll have to pay out of pocket for virtually any tests or doctor visits.

How much health care will my family members need? Consider any services that may be needed by all your family members on a regular basis. If somebody has asthma in the family, will they need to go to an asthma specialist to regulate their illness?

When you can take some time to assess and consider the health insurance you and your family need, it can make purchasing individual health insurance much less difficult, and offer the health coverage you and your family need for a price that you’ll be able to live with at the same time.

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Buying Individual Health Insurance Tips

We all need to have health insurance, and for anyone who is are self employed, or are unable to obtain insurance from your employer, you will have to look into purchasing individual health insurance. Insurance on your own is generally considerably more costly than when you get it from a company, so it pays to shop around and find the best coverage for you. Despite the fact that they are called individual policies, they usually can insure your spouse and kids as well. However, whenever you apply for a policy, there is no guarantee that says you will be approved for an individual policy. If you have certain health conditions, since the policy is medically underwritten, your insurer might deny your application, or add exclusions to your plan. There are a few states that make this practice illegal, and this means that health insurers will have to offer you a policy, whatever medicals problems there are.

People who are older or who are in bad health, will have to pay higher premiums than those who are younger and in excellent health.

Knowing how health insurance is priced is without doubt one of the most confusing aspects of obtaining individual health insurance, so researching various companies and their rates might make a big difference in the amount you have to pay for health insurance.

When you are hunting for individual health insurance, don’t let all the confusion make you shy away from obtaining a policy. Even for people that are in great health, one accident could land you in economic peril without health insurance. Some questions to think about when buying individual health insurance are: Easy To Insure ME has the answers

Do I wish to keep my current doctor? If there is a doctor that you really like, this might determine whether an HMO or PPO plan is best for you and your family. In case you have an HMO, then you have to use their doctors, but a PPO plan will allow you to use the physician that you pick.

Just how much will it require me to pay out of pocket, and just how much will my premiums be every month? Is it smart for me to pay more for lower out of pocket costs? For a comprehensive health plan that doesn’t have many out of pocket charges, an HMO could possibly be what you are searching for. However, if you’re in your 20′s or 30′s, do not have children, and also have more money saved up, you can save money by only obtaining insurance for catastrophic illnesses. This will mean that you will have to pay out of pocket for virtually every tests or doctor appointments.

Just how much health care will my family need? Think of any services that could be needed by your loved ones on a regular basis. If someone has asthma in the family, will they need to go to an asthma specialist to regulate their illness?

When you can take some time to compare and think about the health insurance you and your family need, it could possibly make buying individual health insurance much less difficult, and provide the health coverage you and your family need for a price that you’ll be able to live with at the same time.

Forward this video to your friends and watch all the videos at www.sickforprofit.com CIGNAs Edward Hanway spends his holidays in a million beach house in New Jersey. Meanwhile, regular Americans are routinely denied coverage for the care they need when they need it most. Welcome to the American health insurance industry. Instead of helping policyholders attain the health security they need for their families, big insurance companies get rich by denying coverage to patients. Now theyre sending lobbyists to Washington, DC to twist the arms of lawmakers to oppose reform of the status quo. Why? Because the status quo pays. Learn more at www.sickforprofit.com about the glamorous lives of billionaire health insurance executives and tell us your story of being victimized by their greed.
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Individual Health Insurance Effects

The Patient Protection and Affordable Care Act, otherwise known as the health reform bill will impact almost every American. One of the most important ways it will affect individual health insurance is that insurance companies will not be permitted to deny insurance to those with preexisting illnesses. Another important affect is that all Americans will be required to hold insurance. Insurance companies will be prohibited from placing annual and lifetime limits on coverage. Group health exchanges may also help to reduce the cost of insurance plans, giving individuals the buying power of large companies. You will be able to purchase insurance through a state exchange from 2014. The exchanges have yet to be formed, but the intended goal is to provide more affordable and subsidized individual plans. The Obama effects on individual health insurance addresses the biggest weaknesses in the individual health insurance market. Easy To Insure Me

As the reform bill was passed policy rates were climbing. A report revealed that members of the middle class were losing health insurance faster than any other income group. Those who missed the Government provided safety net because of their income were thrown on the mercies of the individual market. Here, insurers have been denied coverage based on preexisting conditions and are vulnerable to charges of high and ever increasing premiums.

The limits insurers placed on who gets coverage is one of the three major problems that needed to be addressed in the individual market. The other two are the affordability and whether the policy would pay for what is needed when the insured gets sick. A study found that excluded conditions varied by insurer. In a 2001 study by the Georgetown Health Policy Institute, researchers 37 percent of applications were rejected. There were insurers who would turn you down if you had hay fever. The public thus was a victim of a roulette insurance market. How easy is it for individuals to wade their way through the market to insurers who would cover them is a question. Although federal law requires insurers to sell policies to certain people who lose group coverage, including those who lost their jobs due to lay offs; but places no limits on what an insurer can charge. In February 2010, Connecticut announced that health premiums for individual medical plans rose in price by 20 percent over in 2009. In this void have stepped some states in varying degrees. Maine, Massachusetts, New Jersey, New York and Vermont required insurers to sell individual policies to everyone, irrespective of their health. Washington state required insurers to take individuals with some health problems. While, Iowa required insurers to cover preexisting conditions in new applicants, if they had insurance previously for those conditions and did not let the insurance lapse.

Of those who do buy their own insurance the health insurance market works well for some; but, not for others. In the individual market prior to the reform bill, in order to lower their risks insurers preferred the healthiest applicants. In most states, insurers may consider the health history of the applicant in deciding coverage and its cost. Unlike group plans offered by employers which provide coverage to everyone, there is no guarantee in most states individuals can obtain insurance. It has been realized that solving problems in the individual market would improve the health care crisis. In California, Connecticut and several other states regulators have taken actions against insurers who revoked individual coverage after policyholders fell ill. Before the President won the election Senators Ron Wyden, a Democrat from Oregon, and Bob Bennett, a Republican from Utah were supporting a bill that would shift workers getting coverage through employers to purchase their own insurance. The intention of their proposal was to break the link between employment and insurance. The two supporters of the bill believed this would let people keep their coverage even when they lost or switched their job. The proposal would have required everyone to have coverage and insurers to sell insurance to all applicants. The health reform bill has addressed these failings. Both presidential candidates had expressed the desire to improve options for people who buy their own coverage. Candidate Obama wanted to allow individuals and small firms to have the bargaining leverage and purchasing power of latge firms by creating ways for individuals to buy insurance in groups. Advisors to candidate McCain had acknowledged the current system was broken. Douglas Holtz Eakin, who was a senior policy adviser noted that he did not want to give the impression the individual or small group market is a good place to be, as it was not

The public hospitals have been at the vanguard of the victims of inadequate and absent coverage. They have provided for the uninsured and those under insured by

Massachusetts Health Insurance Penalty – How to Buy Individual Health Insurance Online

Article by Insurance Expert







Massachusetts Health Insurance Penalty

If you live in Massachusetts, health insurance is now mandatory. If you are without health insurance and are not covered by a group plan or state assisted plan you are required to purchase your own individual health insurance. As a consumer, it is important to understand the difference in Masshealth plans to know which is best for you.

So what does guarantee issue mean? Massachusetts Insurance companies are guarantee issue, insurance companies can not deny coverage to any individual or charge higher premiums on the basis of their current health. They also do not have the right to raise insurance premiums based on an individuals age or if their health has declined. An insurance company can not cancel a policy on this basis.

First, Massachusetts Health Care Reform Law was written so health insurance companies could not deny your Masshealth coverage due to your health or illness For you, this has provided a safeguard that people in other parts of the country do not have. Providers for Masshealth insurance plans include: Some of the most popular plans include: Mid-West National Life Insurance Company of Tennessee (The Alliance For Affordable Services), Mega Life Insurance Compant (the National Association for the Self Employed, Harvard Pilgrim, Tufts, Blue Cross Blue Shield and Fallon Health.

When deciding on an individual MassHealth Individual Insurance plan, please be aware that most masshealth plans do not include dental insurance coverage. Blue Cross Blue Shield is one of the more complete plans offering a high percentage of your vision coverage is included in the health care plan. Check Internet #1 Massachusetts Health Insurance Penalty right now!

For a woman, purchasing individual health insurance, coverage for pregnancy may be very critical if you are of child bearing age. Generally Masshealth programs treat gynecological examinations similar to their vision examination coverages, where a woman can receive a limited number of examinations over a certain time period. Maternity care is treated with very specific rules and increased rates for coverage. When considering coverage for your family and especially your children you will find there are Masshealth plans to fit most any need. When selecting a good masshealth program for you and your family be aware that the coverages increase and decrease in relation to the cost of the coverage and variations in amount of the deductibles.

Mass Health Regulations for Penalty for Uninsured Residents is due to increase in 2008. The Reform Law has had recent regulation changes, which will have an increased penalty for those residents of Massachusetts who are uninsured. Increased penalties of up to 2.00 per person can be charged for those who fail to purchase health insurance coverage on time. The state of Massachusettes is increasing this penalty to try to enforce more residents to purchase the new mandated masshealth coverage plans.

Consumers would be advised to secure expert assistance in selecting their medical coverage plans. As experts in the MassHealth State Law, we can help you sort through the plans and find the best policy fit for you. We, at Business Health Insurance experts have already done the research for you. We can easily assist you in finding the right customized insurance quote. We listen to your needs and work within your budget. Securing you a quote that is affordable and fills your specific needs is our priority.

When you are researching your online Masshealth insurance options you will find there are a many plans available in a wide range of prices and coverage options. You may find that you would like to have expert assistance in explaining the many options and plans in an easy to understand manner. Check Internet #1 Massachusetts Health Insurance Penalty right now!



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A Texas lawmaker is pushing for participation in a statewide insurance exchange. It aims to drive health care coverage costs down by creating a more competitive selection for users.

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