Selecting a Short-Term Health Insurance

September 6, 2009
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Short term health insurance is very recommendable to those people who are between the jobs. This plan covers individuals only up to a year, meaning it is available in lower cost.

Nowadays, many health insurance providers offer short term health insurance policies but the coverage and cost can vary from company to company.

Similar to the traditional health insurance plan, the short term covers your routine medical check ups, prescription drugs and other related expenses. It also covers you for major illness/sickness and injuries. You can also get dental coverage if included in a package. The only drawback is that it doesn’t cover pre-existing conditions.

There are a lot of insurance companies that…

How Serious are the Consequences of Not Having Health Insurance?

September 3, 2009
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We are not going to state again how many Americans do not have health insurance.  You must be tired of hearing it over and over again; you probably already dream about it at night.  Or maybe you dream about it because you yourself have not gotten a health insurance policy yet! Now wake up sleepy head.  Not having health insurance will take its toll on you, your health, your family, and your finances someday.  No one can tell if that is sooner or later.  But one thing is for sure: not being protected by health insurance has serious and irreversible consequences.

Although it is a major problem that so many Americans…

Popular Options to Reduce Number of Uninsured Americans

September 2, 2009
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How many times have you heard that 47 million Americans do not have health insurance?  Perhaps you’ve lost count already.  But the reason why you hear it over and over again is because it truly is a pressing issue in the United States.  If you do not have a health insurance policy yet, you might want to help resolve the issue about by getting one now.

It’s very risky to live without health insurance, as illness comes at a time you least expect it.  Expensive hospital bills will leave you bankrupt and struggling for the rest of your life.  So before that happens, get a health insurance policy now.

But if you…

What to Do When You Are Unhappy with Your Health Insurance

September 1, 2009
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Do you think your health insurance can help you when you get sick?  Or do you reckon it’s just going to make you sicker?  If it’s the latter, what are you doing about it? We hope that the reason why you ran into this article is because you have already decided to change your health insurance and to find a better policy that’s worth paying for every month.

The best way to determine how comfortable you are with your health insurance policy is to go over all the details. You will either get the feeling that you are safe, or you will see some numbers that do not look right. For…

Self-Employed and Buying Health Insurance? You’ve Got to Know This First!

August 28, 2009
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Being self-employed may be a “dream come true” for you.  You are your own boss and you have your time in your own hands.  However, that also means that no one else is going to take care of you but just yourself.  No one will remind you that you need health insurance (well, except for us here through this article).  And no one will tell you which insurance companies you should consider.  Nevertheless, you have the choice to do research and take responsibility for your health insurance.  Remember, it’s your health at stake.  If you get terribly ill and are not able to work, you’re going to watch your dream…

Uninsured Groups of Women in California

August 28, 2009
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Although California is a state that’s known for intensive propagation of women’s health, it is falling behind when it comes to health insurance access for women.  In fact, California got a “D” rating, a very low grade, for the said category.  California may be a reputable state health awareness-wise, but there are many uninsured women who reside in the said state, specifically:

* Women from the ages of 19 to 24 - 37% uninsured
* Women from the ages of 55 to 64 - many lost health insurance because of retirement
* Latinas - 35% uninsured
* Asians/Pacific Islanders - 28% uninsured
* Women of Black race - 25% uninsured
* Immigrant women - 47% of…

Professional Employee Organizations Offer Attractive Benefits to Employees

August 26, 2009
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Nowadays, people not only look for high-paying jobs, but also for high-benefit jobs.  Professional employee organizations (PEOs) often offer a growing source for benefits, employment-related services and human resources expertise.  For that, employees become more motivated to go to work.

The National Association of Professional Employee Organizations has provided us with some PEO industry statistics. Here they are:

* Number of PEOs in the United States: approximately 700
* Average length of a PEO contract: 1 year
* Average number of employees for a PEO client: 16
* Number of states that require PEOs to be licensed: 20
* Average number of Americans co-employed by a PEO: 2 to 3 million
* Average gross pay per employee:…

It Pays to Know About Health Insurance Industry

August 20, 2009
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When you’re out having coffee with a friend and your topic is health insurance, probably all you can say is, “I don’t get the health insurance industry.”  And your friend replies, “Me, either!” You realize that you are not alone, and then you move on to the next topic.  Actually, what you could have done better was to discuss it further.  We don’t mean to be nosy, but a little bit of knowledge and awareness can go a long way as consumers of health insurance.

Health insurance may seem very simple outside, but if you look deeper, you’ll find out that it also has many intricacies.  This is the reason why…

How to Cancel a Health Insurance Policy

August 18, 2009
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When you have been with your health insurance company for quite a long time already, there will come a time when you will realize that their rates have already climbed beyond the level you can afford, hence it would only be better for you to start shopping for another health insurance policy with better prices before you finally cancel your current health insurance policy.

It is important to follow the correct cancellation of policy procedures so that you won’t have to get into any trouble in the process.  Remember, you are doing this to make things better for you, not worse.

The guide below applies to the termination of a health insurance…

Not Having a Health Insurance is Not “The” Problem

August 13, 2009
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If you have no health insurance right now but you are in a pretty good shape—and you can say that with conviction even without an executive check-up, then you have no problem as of the moment.  You will only have a problem if you get sick tomorrow or a few minutes from now, and you still haven’t gone looking for a health insurance policy.  Do you see where we’re trying to get at?  You need a health insurance!

Health insurance does not have to be expensive.  You can choose among many policies and prioritize according to the coverage you prefer.  It is very risky to live without a health insurance.  So…