When looking into health insurance of any kind the rules, regulations and stipulations often make it so that every word on the policy seems foreign and a bit sketchy. The policy is never laid on it terms that one without industry knowledge would completely understand. Words such as co-payment, deductible, family allowance, preventative vs. routine care often times add confusion in really understanding what is being offered. Health Insurance in...more
Some people in politics want everything to be black and white. "Big government bad, small government good" and similar slogans have become rallying cries during town hall meetings and elections. Sound bites are convenient ways of getting a message across, but unhelpful when it comes to more complicated issues. On the face of it, we seem on the cusp of slipping back into recession. To try avoid this double dip, the Fed has announced plans to buy...more
The total number of uninsured people in the US grew from 43.0 million in 2005 to 49.9 million in 2010 at a 5 year CAGR of 3.0%. The private insurance coverage is mainly employer sponsored. This negative change in the employment status led to decreased earnings and resulted into a decline in the number of people under the employer insurance coverage.Premium prices have more than doubled over the period. The cost of an employer-based family coverage plan increased from 12% to 22% of family income over the decade. The health insurance premium surged as a percentage of private sector employee compensation from ~% in 1999 to ~% in 2009 thus cutting down the wages of the workers. Small businesses were considerably hit with the proportion of small employers providing health insurance reducing from ~% to ~% between 1999 and 2009.UnitedHealth Group is the leading health insurance provider in the US with a market share of ~% and direct premium written worth USD ~ billion in 2010. The company conducts its operations through two businesses, United Healthcare and Optum. WellPoint is the second largest health insurance provider in the US with total premium written USD ~billion.The report titled...more
In the year 1974, The Federal Safe Drinking Water Act came into being and was created to safeguard the quality of drinking water. This law is applicable for water used for drinking purposes whether the water comes from surface or from groundwater. It is the responsibility of homeowners to conduct water test to know the harmful contaminants present...more
There is no question we regularly take excellent health for granted, and we have good health a lot of our life aside from the occasional minor pain or ailment. Throughout our time of good health we certainly do not give even a passing thought to the way we would cope if we developed medical problems or were taken ill. We dont choose to think of...more
Whether you are an individual seeking a health plan for yourself and your family, a woman looking for maternity or preventive care cover, or self-employed and looking to manage health risks, being aware and prepared is important. A lot is happening on the health insurance Kentucky scene and the nation in general, and as the saying goes, forewarned is forearmed. Individual Health Insurance Kentucky The golden rule is: buy an individual health insurance plan no matter what. If you do not have an employer-sponsored health plan, make sure you buy one yourself. Private health insurance companies offer a range of options to cover individuals and their families. So go online, check out individual health insurance Kentucky plans and choose one that suits your needs. This could be a daunting task to attempt on your own. The best way to go about choosing a plan is to get professional help from a licensed health insurance broker. A reliable agent can tell you how to manage your risk and buy an affordable health plan.Health Insurance for Women Women have special healthcare needs, but face many barriers such as higher premiums than men for similar coverage, lack of coverage for gender-specific...more
There cannot be a more painful emotion in the world than watching someone you love suffer through an illness. Long term health problems within our family could make us feel ineffective because we can't really help them. Getting power over our...more
For the people people who seek some insurance company that can support their medical needs, group medical health insurance plans are the most useful thing they may have. Group health insurance enters two forms, the managed care or traditional....more
Health insurance options for young adults are nearly the most affordable plans available to people. Obtaining health insurance in your early twenties typically means you have obtained insurance while you are in reasonably good health and live a...more
Did you know that you have more options than ever when it comes to choosing the best health insurance policy for you and your family? While it is true that insurance companies have a reputation for overcharging and under serving customers, there are...more
Today, healthcare services turn out to be expensive than everything else, thats why affordable individual health insurance have made readily available for the people. Let us see on what we choose the affordable health insurance plan.HMO Here is the...more
If you do not have adequate health insurance, you are playing with your life, and not only your own, but that of your family. Health insurance is brutally important today and certainly makes it easy to sleep at night knowing that your family is...more