Health Insurance

Health Insurance Articles

Facts About the Affordable Care Act - Obama's Affordable Healthcare Plan
There is a lot of confusion surrounding the Affordable Care Act, referred by some as Obamacare. It is a very broad set of laws and regulations which aims to make health insurance available for nearly a third of Americans who are not able to get reliable health insurance. Despite concerns that this is just another tax that people will have to pay, the facts about the healthcare plan tell a very different story.
What Your Insurance Company Won't Tell You
Your insurance agent may be on your side and get you the best insurance quotes, but that doesn't mean they will always be 100% honest with you. It isn't that they may outright lie, but there's a good chance that some information will be left out or like any sales process, you'll be given a rosier picture than reality.
What to Look for When Shopping for an Individual Health Insurance Policy
Acquiring health care coverage, for people that do not have it provided by an employer, can be very difficult. People that have health insurance through their employers have an easier time. These plans are usually an agreement between the health care provider and the insurance company, where the healthcare provider agrees to lock the insurance company in at affordable rates for their clients. People that don't have an employer option for their insurance can still get good healthcare coverage; they just need some information to help them on their way.
Health Insurance for Young Adults
The way insurance laws are written, the best option for young adults is to remain at home and covered by the insurance of a parent. Unfortunately, that option is not available to thousands of young people who need health care but do not have the option of a family health plan. Even when preexisting conditions are involved, federal healthcare reform is making it possible for almost everyone to have health insurance.
Affordable Care Act (ACA) Explained
The Affordable Care Act, called the ACA, is a broad set of laws that are intended to reform healthcare in America. Originally passed in 2010, some portions of the ACA have already gone into effect, and others are set to become effective between now and the year 2020. The ACA will have some effect on all Americans, but the majority of the changes are designed to give aid to those who are not able to afford traditional health insurance, or cannot get insurance based on preexisting conditions that exclude them from coverage.
What it Means Now that the Health Care Bill Has Been Upheld
To begin with, you should understand about the Patient Protection and Affordable Care Act, now called simply the Affordable Care Act, or ACA for short, is that it had already been signed into law before the Supreme Court ruling, and parts of the bill have already gone into effect. Other parts of the law will be effective in stages, and the full scope of the ACA will not be in force until the year 2020. The only parts of the bill which were investigated by the Supreme Court were the legalities of funding the program, which can realistically be described as similar to Medicaid, Medicare, and Social Security. Here is some information about what the ACA means to you now that the bill has been upheld.
Fitch Insurance Company Ratings Explained
Fitch's financial sector ratings are performed by a staff of trained analysts who review each company on several factors including the ability to meet commitments such as interest and dividend payments, the company's ability to withstand a major surge in claims, and how well the company has performed economically. Ratings are performed regularly and may be adjusted any time there is any major financial activity with the company.
AARP Insurance Discounts for Seniors
There are quite a few advantages for seniors who belong to the American Association of Retired Persons, or AARP. Among those advantages are things such as guaranteed acceptance life and health insurance, discounts on many different lines of coverage, and the availability of group insurance through membership in AARP.
Your Insurance Agent's Role in the Claims Process
The role played by your insurance agent will be different from one company to another, and could differ dramatically if you are purchasing coverage through an independent agent. If you have to file an insurance claim, contacting your agent is important to keep them apprised of the situation, but there may be a different contact with the insurance provider that will actually handle the claims process.
The American Automobile Association was founded to make it easier and safer for members to travel. Since the club was founded, the benefits they are able to offer their members has gone from discounts at select locations to a network of travel related savings that include fuel, lodging, and exclusive benefits such as free towing or roadside assistance. Additionally, AAA members are invited to purchase car insurance through partner companies, getting group discount pricing on top of the line auto insurance.