Fathom these situations: 1.Your employee does not provide you any health coverage 2.You are not eligible to be included in your family plan3.You are a student and your family insurance does not cover you in the state you studying. 4.You are between jobs and hence need an insurance on your own 5.You are self employed It is in either of these circumstances that one needs to go through the trouble of buying individual health insurance. Individual...more
Whether you are a US resident or a foreign student, the first and foremost requirement as you embark on your graduation journey is student health insurance. Being insured against fortuitous events on the health front leaves you free to pursue your goal on the academic front. There are two options for student health insurance in USA. One is to take up the health plan being offered by the University in which you plan to enroll and the...more
There is a common perception that working as an employee for a business is not very enjoyable. Whether or not that is true is debatable. However, there are two distinct advantages that employees have over people who are self employed; a regular paycheck and access to health insurance. About 26% of the people who live in Texas do not have health insurance and many of them are self-employed. Cost is the most common factor as to why these people go without. However, as an independent business owner it is important that you find money in the budget to obtain even basic Texas health insurance.The primary reason is that when you do not have a medical plan, you are one illness away from bankruptcy. The cost of medical care is atrocious and getting treated for a simple disease, like the flu, can cost several hundred dollars. If you contract a catastrophic disease or get into a horrible accident requiring a hospital stay, you will be on the hook for the entire bill. Also, regardless of what you think the county hospital does NOT provide free treatment, thats only for the poor and yes, they will check out your ability to pay. Unless you have hundreds of thousands of dollars on hand to pay...more
It is common for individual health insurance policies to exclude applicants for a variety of factors. One of the most significant is the potential policyholder's weight. In most cases, a person with a BMI (body mass index) over 30--which is considered obese--will have to pay a higher monthly premium. This is due to the increased...more
There is a difference in the Indian Thali and the American Pizza, there is a difference in the Indian Bollywood and American Hollywood, there is a difference in Dr. Manmohan Singh and Mr. Barack Obama, and there is a difference in the Indian health Insurance and the American Health insurance sectors. Some of these differences are...more
You have decided to buy a health insurance policy and have opted for the online mode since you get multiple choices, instant results and you can make the final choice without being pressurized by ‘friendly' agents or whoever. But there is a glitch… When you started out, you thought it would be an easy decision to make but with 21 insurance companies selling health insurance and so much of data available, you are finding it difficult to make a decision. Also with the different parameters available, there are some policies which are great in one aspect but bad in others…Firstly, get the advice of a Health insurance Broker- The reason that we are asking you to do this is because even with all the options available, it is not very easy to select a product. A health insurance broker has the expertise and the knowledge to give you the most neutral advice to choose a product suitable to your needs. Even when all the policy conditions are mentioned in the policy, finer insights (for ex., some health insurance companies have increased their premiums three times in the last 2 years) is something only a broker can provide you with. Unlike agents/financial advisors who...more
Foot cramps can be quite painful and may stand as a barrier in carrying out daily activities due to the consistent pain and inability to move it. The duration of these cramps may sometimes be for only a couple of minutes, or in some cases may be as...more
If you are denied health insurance due to a pre-existing medical condition such as diabetes, cancer, heart disease or another illness, there is still hope that you will be able to obtain health insurance coverage. Although most people become...more
Today many people are having to cut their budgets and highly scrutinizing all their expenses to find ways to save money. Unfortunately, often times in these situations people look to go for cheap health insurance. But the reality is a cheap health...more
When shopping for Texas health insurance plans, it is important that you understand the terminology that is used to describe your benefits. This will allow you to effectively compare them and pick the medical plan that fits your needs. Although it...more
Aussie souvenir gifts, winter Sheepskin boots, fashionable shoes Australian Sheepskin. Call them what you would like, they may be the style accessory, you certainly not run out develop, you far more put on than your loyal faded jeans and that your...more
Laser Hair Removal Treatments in Lancaster Pennsylvaniahttp://www.LancasterLaserHairRemoval.comI was asked this the other day,What Happens During Bikini Laser Hair Removal?Well, with bikini laser hair removal, the process is basically...more