The addition of a stepchild to your family brings a variety of rewards and challenges. The task of adding your stepchild to your health insurance should be a relatively easy process. The addition of the stepchild might have occurred after a...
As corporations continue to look for ways to cut costs, many are discontinuing group health insurance plans, or ending subsidies that made these plans more affordable. Also, small businesses, which employ about 52 percent of the workforce in the...
According to Cover the Uninsured, a project of the Robert Wood Johnson Foundation, nearly 20 percent of the uninsured in the United States are children. Children with health insurance have better health outcomes and are more likely to receive...
The average American household spends nearly 6 percent of its income on health care. Nationwide, this represents $2 trillion in spending annually, which the Council on Foreign Relations reports is more than any other country and 2.5 times more...
Surgical/hospital health insurance plans fill in as basic insurance plans for people who have to keep cost in mind. The plans also serve as supplemental health coverage for those who desire the additional protection of these plans, which are...
A fully insured health insurance plan is what people may think of when they hear the word "insurance." The employer pays premiums to an insurance company that, in turn, assumes the risk of paying medical claims generated by workers. This type of...
Having access to quality health care is important, and self-insured health plans enable employers to tailor health plans to their market. Knowing if your health plan is self-insured or fully-insured is important, as it determines who you need to...
With the rising costs of medical care and skyrocketing health insurance premiums, some are turning to limited insurance plans that only cover unforseen medical costs. The Congressional Budget Office (CBO) defines catastrophic as "a sudden and...
Primary health insurance coverage is provided through the plan of which an individual is a member (such as an employer offered health insurance plan) or the plan under which the member has been for the greatest length of time. Secondary coverage...
A good family health insurance plan ensures that your family can afford adequate medical care. Health insurance can be obtained from your employer or can be purchased privately. Health insurance companies often offer several different types of...
Health care insurance companies provide individuals or groups with insurance coverage in which they agree to insure you in return for payment of premiums. Individual health insurance plans can be more difficult to obtain because the insurance...
If you have or have had a serious medical condition such as cancer, HIV or heart disease, then you know how critical it is to have health coverage to pay for your medical treatments. Unfortunately, having such a disease is precisely the factor...
Most individuals opt into their company's group health insurance coverage. Rates are usually lower than buying a private health insurance plan. However, if you are unemployed, self-employed or want different coverage inclusions, you may decide to...
Grandparents acting as primary caregivers for their grandchildren has become a growing trend. According to "The Examiner," each health insurance company generally has its own set of rules regarding the inclusion of grandchildren to a health...
According to Familiesusa.org, the Census Bureau found that 46.3 million people were uninsured in 2008, and this is expected to be even higher for the 2009 and 2010 because of the increasing unemployment rate. Although health insurance is a...
Health care coverage provides financial security, better access to health care and improved health for families and individuals. Affording health care isn't always easy, especially with high unemployment rates and increased health insurance costs....
Insurance companies offer plans that cover medical costs in exchange for payment of a monthly premium, also known as health insurance. Group and individual health insurance plans offer several types of coverage, but vary in their cost,...
Some employers offer health insurance plans as a means of attracting and retaining good employees. This employee benefit comes in many different forms, with several plan options to suit companies of any size. Before selecting a group health...
Family health insurance helps you pay for your expenses related to your family's health care. Many people get family health insurance from employers. Some purchase private family health insurance policies if necessary. You might be required to...
Catastrophic health insurance is designed to protect an individual in the case of a severe or life-threatening event, such as a car accident. This type of health insurance plan, while protecting a consumer from potentially hundreds of thousands of...
When you leave a job, you may be leaving behind a benefits package that includes health insurance. Private health insurance involves policies that are sold to private individuals and families. Many of the same providers of group health insurance...
Health insurance plans for children are often cheapest when the child is added to a working parent's health care plan, according to Vital One Insurance. Unfortunately, in many families, the working parent or parents do not receive health insurance...
Medicare is a federal health insurance plan offered to people over the age of 65 and to some people with disabilities. If you have Medicare and become employed, you may keep your Medicare and accept health insurance coverage through your employer....
A legal separation, also known as "separate maintenance," preserves many of the legal rights of marriage while allowing spouses to live separately. In most states, the separation is intended to provide a cooling-off period during which spouses may...
With health care costs continually rising, obtaining health insurance coverage is more important than ever. However, people with a history of diseases or other conditions may find obtaining affordable coverage difficult. Most insurance companies...
Even if you are currently in good health, it's important to have a decent and affordable health insurance plan. While most full-time jobs have some sort of health insurance plan, freelancers and part-timers are often uninsured. Finding affordable...
Affordable health insurance options are available, but you must shop around and pick the insurance plan that provides only the coverage you need with the financial factors that fit your circumstances. Factors to consider include the monthly...
Living without health insurance leaves individuals and families at risk for health and financial difficulties. High insurance premiums and loss of jobs are two major reasons that many people go without health insurance. Uninsured people do have...
If you've lost health insurance coverage as a result of a qualifying life event, you might have opted for COBRA coverage. The Consolidated Omnibus Budget Reconciliation Act lets you keep your group health insurance for a limited time in cases of...
