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One of the greatest gifts in life is good health. Bad health or lack of access to good and affordable health care is always one of the biggest burdens anyone can have especially if one is not working.
Medicare Health Insurance Program
Luckily, the Federal government has some programs dedicated to ensuring affordable health care for citizens of the United States. One of these programs is the Medicare health insurance program.
This health insurance program seeks to subsidize the cost, of receiving health care through paying certain health care expenses. The Centers for Medicare & Medicaid Services (CMS) which is a part of the United States Department of Health and Human Services (HHS) is responsible for administering Medicare.…
Presently, the battle at hand is the medical malpractice insurance crisis, which is totally different from the one we experienced in the late 1970s. There is too much happening in the midst of diminishing medical malpractice insurance services:
- Insurance carriers are becoming bankrupt
- Insurance premiums are soaring day by day
- Cost of malpractice insurance becoming prohibitive to the extent of making physicians quit in some areas
Most disturbing are the effects to the patients. The ease of accessing health care is getting compromised by the drama. …
Most Americans retire between the age of 62 and 65. At/after this age, one’s health starts getting deteriorated significantly. After all, health declines with age.
It is, therefore, necessary for those going into retirement to obtain appropriate and pocket-friendly healthcare coverage.
For those aged 65 and above the Medicare program is suitable because it will make health insurance cheaper. What’s more, even those with pre-existing conditions are eligible.…
Enrolling into health insurance schemes can seem like a complicated enough process at the best of times. Each scheme has its benefits and circumstances and its open enrollment system.
Some, such as Medicaid and CHIP have open enrollment all year round, but others do not. The good news for many citizens is that there are special enrollment periods for health insurance for those that qualify.…
Medical professional liability insurance, or known to the public as medical malpractice insurance, is a type of insurance that is offered to health care providers to guarantee them protection.
This insurance protects the professional liability of the health care professional from liabilities linked to medical expenses, wrong procedures that end up with bodily injuries, etc.
Nowadays, no business can find a shortcut when it comes to costs, and no business can skip the part where money must be paid. A manager that will keep the costs at their lowest point is a manager that everyone would appreciate and is worth keeping.…
The Affordable Care Act (ACA) was introduced six years ago in the healthcare industry.
With a promise of putting in place integrated health insurance reform, which will reduce health care costs, hold insurance companies accountable, expand coverage and improve the overall quality of care for all Americans, it seems the $3 trillion healthcare industry might be losing its plot in the turbulent political playbook.
As if speculations were not enough, the election of Donald Trump has spurred anxiety among people and other industry leaders, who were stunned his unexpected victory in the just concluded elections.…
As a forward-thinking company, offering group employee health insurance is one of the most important decisions you can make to thrive and remain competitive in today’s fast-racing business world.
It is a cornerstone that not only helps the employee but also streamlines business operations. Apart from enabling employees to make health coverage claims when the need arises, group employee health insurance comes with some benefits.…
Foreign travelers who are coming to the United States to live have different health insurance needs than those who are just traveling through or visiting. While certain needs may be different, immigrants and travelers have one thing in common- the need to have some form of medical coverage while they are on American soil. As much of the world already knows, healthcare in the US is exceeding expensive, and many United States citizens lack proper health care coverage.…
When an eligible US citizen turns 65 years old, they can apply for Medicare Insurance on the Medicare.gov website. Regular health insurance will stop once a person turns 65 years old. As a senior citizen, you probably know, there are alternatives to original Medicare (Part A & Part B) you have a choice of selecting a Medicare Supplemental plan (also called Medigap plan) or a Medicare Advantage plan (Part C).
Nowadays, many seniors prefer to go with a Medicare Advantage plan over original Medicare since they are required to cover the same things at a minimum and have additional benefits, plus the out of pocket expenses may be lower since there is an annual limit on the out-of-pocket-max.
Most seniors have a difficult time deciding which insurer or what …
Do I Need a Lawyer?
If you find yourself facing problems with a medical malpractice claim, it is always prudent to weigh carefully whether you want to hire a lawyer to represent you, or go it alone. And in particular, you may be called upon to invest some thought into two particularly vexing scenarios: How challenging the legal problem is likely to be; and what are the chances of success.
According to Jason Konvicka: “Medical malpractice happens when a health provider fails to use the recognized procedures when treating the patient after injury.” The “standard care” is defined as, “what a reasonably prudent medical provider would or would not have done under constant or similar circumstances.” In essence to that, it boils down to know whether the vendor was negligent.…
Life is quite unpredictable. Thus it is smart to take the necessary precautions whenever possible. Taking out a life or health insurance is always a wise decision.
Even though risks such as medical emergencies are not guaranteed to happen, it is better to be prepared just in case anything happens. It is not unheard of where someone falls and injures themselves or gets sick out of the blue and ends up admitted in the hospital. If you are not prepared, the medical bills could pile up in no time.
Having coverage is the best solution to unforeseen medical problems that might occur at any given time. When a person’s mind is relaxed and free of worries, it becomes much easier for them to focus on their jobs or other important …
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