Friday, April 10th, 2009
Leaders of the community acknowledged the rising number of uninsured residents that cannot avail of traditional health insurance. In the effort to arrive at a solution, fellow health care providers, business leaders, and the community groups were involved in the process. Together they came up with a health care plan that would benefit the working people and the indigent. Residents can avail of this until such time that their economic condition improves and can move to private health insurance.
This innovative step helped provide effective health insurance coverage to those who were previously uninsured. This program also included coverage for families with children.
Tuesday, March 10th, 2009
by: Djai Tanji
•BASIC – Basic health-care insurance covers hospital room and boarding, medical supplies and equipment, health-care services, outpatient cares up to a particular limit.
•MAJOR MEDICAL – after a high-deductible has been met, health-care costs can be covered by Major Medical. After this, the insurer (with 70 to 80 percent of the expense) and the patient share medical costs and the remaining cost will be paid by the insured.
•COMPREHENSIVE MEDICAL – this combines basic coverage with a major medical plan, the maximum benefit is specified in the insurance policy.
•MEDICARE – this is the United State’s government’s health-care insurance program for the aged, available only to people aged 65 and older and also to certain disabled persons
Tuesday, February 17th, 2009
Many people – many Americans included – think they know the ins and outs of their healthcare plan. This may be true when it comes to a cursory knowledge of their health plans, but when it comes to the intimate details, to the nitty-gritty that really matters, many are clueless and they don’t know it.
It may be a bit overwhelming at first, getting to know your insurance policy by reading the fine print makes you more aware of what exactly your healthcare policy covers (and under what circumstances you can file a claim) and what it does not. You may also opt to consult with your insurance agent (if you have one) for a better understanding of your policy. Understanding your policy makes for better file claiming and prevents misunderstandings in the future.
Thursday, January 8th, 2009
As companies try to trim down on expenses, health insurance contributions are coming closer and closer to becoming the next area of scrutiny. The current economic conditions are quite alarming and companies are already trying to come up with ways of trimming down the amount of contributions they are paying for health care of their employees. Those who have been lucky enough to keep their jobs are getting worried for health care is one of the benefits they tend to like about work. Lowering the amount of contributions companies pay would result in more for employees and with salaries still at the same levels, this will become a problem indeed.
Health care is one of the areas the new administration would be focusing on and till they get they do, people may have to settle with little or no coverage at all. People have been losing jobs at alarming rates and with that comes lost health benefits from employer provided coverage. Until the whole system is revamped and adjusted to the current economic conditions the problems with uninsured people would continue to rise.
Friday, January 2nd, 2009
Image Source: cartoonstock.com
特定の日付の補償範囲の個人健康保険のポリシーを購入する事は、健康診断の結果次第かもしれない。 そしてその時点から必ず保険がきくという訳ではない。 保険ポリシーは保険の保証範囲がいつ始まるかの有効な日付を持ち、 保険会社はいつ保険範囲が始まるかの違うポリシーを持っている。 即時に有効な保険の補償は保険会社と、あなたの給料から保険範囲の一部を天引きする雇い主によりけりだ。 保険のきく有効な日にちを知る事は、それに応じてあなたの医療の必要性を計画できる為にとても大切だ。 定期的な医療の診察予約は保険の保証が始まるまで少し延期、又は保険で保証されていない診察にもっとお金を払う事になるだろう。
Monday, December 15th, 2008
The troubled financial market has resulted in an ever growing number of uninsured people who end up in line for government sponsored health care. The numbers are growing day by day as people lose their jobs and subsequently their work sponsored health care coverage. The risks, well the high cost of emergency and long-term care has many seeking alternative treatment or even foregoing any treatment at all. Government sponsored health care is quite over-taxed and slow so many are left to fend for themselves. These became apparent during recent statistical studies that shows more and more people do not have ample health insurance for health issues and medical treatment. Medicine also costs more and coupled with the high cost of health insurance may be the main reason why many risk having it during times of need.
Friday, November 28th, 2008
包括予算調停強化法（Consolidated Omnibus Budget Reconciliation Act (COBRA)）は、退職から再就職までの期間やその他の事情により健康保険を受けられない人のための保険です。 健康保険が適用されなくなった労働者とその家族に対し、健康保険団体のサービスを受け続けられるようにするものです。 希望して、または止むを得ずに職を失った場合、労働時間が減った場合、転職の合間、死亡、離婚、その他の事情がある場合に保証を受けることができます。T 適用される個人は、保険額の最大102％までの保険料を全額支払う必要があります。 COBRAは、健康保険の失効があった日から有効になります。 期間は法律上、失効の原因となった事件から18ヶ月から36ヶ月までとなります。 雇用主が希望した場合、さらに長い期間の保証も可能です。 また、COBRAは最近の退職者や障害者、労働者の配偶者や子供への保証も可能な保険です。
Thursday, November 27th, 2008
Image Source: foxnews.com
Skyrocketing costs of health related expenses have forced consumers to find ways to reduce if not eradicate it. The following are helpful tips to lower costs. An ounce of prevention is better than a pound of cure. This is true now, more than ever and can be done by participating in wellness programs and activities, try and maintain a healthy weight, do exercises daily if possible, have regular check ups and stop your vices, like smoking and alcohol. Second, find a health insurance with the best coverage at reasonable prices. Should employer-sponsored health insurance be unapplicable to you, it is still important for you to be covered. Get quotes from a number of health insurance providers and compare each plan’s coverage in terms of coverage and features, exclusions and limitations and the liberty to select your physician and treatment facility. Remember to compare also the various plans’ out-of-pocket costs through co-payments, coinsurance and annual deductibles.
Thursday, October 9th, 2008
Image Source: cartoonstock.com
Purchasing an individual health insurance policy on a certain date of coverage may be contingent upon the results of health exam. You are not necessarily covered from that point forward. The policy will have an effective date for when coverage begins. Insurance companies will have different policies for when the coverage begins. Immediate effective date of coverage depending on the insurance company and the employer who deducts the portion of your coverage from the payroll. To know when the effective date is very important so that you can plan your medical needs accordingly. Routine medical appointments might be postponed a bit until the coverage begins or else you will be paying more for these uncovered appointments.
Monday, September 29th, 2008
The Consolidated Omnibus Budget Reconciliation Act (COBRA) is supplemental insurance that people can acquire when they are between jobs or are otherwise lacking in health care coverage. It gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time. This may happen under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102% of the cost to the plan. COBRA begins on the date when a qualifying event triggers the loss of the health coverage. The law allows from 18 to 36 months, depending on the qualifying event. Employers may choose to provide coverage for longer periods if they wish. COBRA insurance also covers recent retirees, people with disabilities, the spouse and/or children of covered employees.