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OPINION: Pre-existing reforms at work already

Most Americans, polls say, are pretty happy with their own health coverage. They worry, though: You develop heart trouble, you change jobs, you're toast: If your ticker's a pre-existing condition, insurance could bankrupt you. It's a valid...

The Kansas City Star, Mo., Diane Stafford column: Job-based health insurance has lost its luster

Most job hunters want to find a job with health benefits. But what happens the next time they're laid off? Clearly, it's past time to separate health insurance from employment. Forays into consumer directed plans and employee wellness progr...

How is Private Health Coverage Delivered?

Types of Organizations that Provide Private Health Coverage Private health coverage is provided primarily by two different types of entities: state-licensed health insuring organizations and self-funded employee health benefit plans. State-L...

What is Private Health Coverage?

Private health coverage is a mechanism for people to (1) protect themselves from the potentially extreme financial costs of medical care if they become severely ill, and (2) ensure that they have access to health care when they need it. Hea...

This section will help find your way through the maze of the insurance system.

Understanding Health Care Insurance These three organizations can help you locate the benefits that apply to the elder in your care. They will help you save valuable time in learning the health care insurance system. 1 Medicare Rights Center...

CBO: Effects of Repealing Insurers' Antitrust Exemption Minimal

The Congressional Budget Office has analyzed the legislative effort to repeal health insurers' antitrust exemption, and the office concluded that it would neither have a significant impact on the insurance business, as its industry opponent...

Franken Calls On Health Care Reform Leaders To Simplify Administrative Processes And Crack Down On Fraud

The following information was released by Minnesota Senator Al Franken: U.S. Sen. Al Franken (D-Minn.) wrote to Chairmen Baucus (D-Mont.) and Harkin (D-Iowa) and Senator Dodd (D-Conn.) to urge them to include administrative simplification m...

Get Ready! Health Insurance, If You Have It, Will Cost More

and more expensive. Unemployment is nearly 10 percent nationally, 8.9 percent on Long Island. And wages have been stagnant -- for those who have jobs. Now another worry looms on the horizon. With open enrollment for 2010 work-sponsored healt...

Businesses Hit With Major Hike In Health Plan Costs

Health insurance rates in Alaska just keep on climbing, and so, for that matter, do the number of uninsured Alaskans. Individuals seeking personal health insurance will see their rates raise an average of 17.5 percent this year, while busin...

Blue Shield of California Ousted from State's High-Risk Pool Because of High Premiums

Blue Shield of California has been kicked out of the Major Risk Medical Insurance Program, the state's high-risk health insurance pool, because its premiums were much higher than those of other health insurers in the program. Janette Lopez,...

Instant Group Health Insurance Quote Engine Developed by Local New York Agency

While many companies advertise instant or real-time health quotes at their website, it's often not the truth. In fact, many online companies that advertise free group health insurance quotes really do not provide any insurance quotes at all...

Challenges to the Reliability of the Ingenix Databases

For a number of years, alert consumers and health care providers sensed that the usual and customary cost estimates insurers were using to pay out-of-network claims were lower than market rates. But because insurers refused to explain how th...

Ingenix's Close Ties with the Health Insurance Industry

In the private health insurance industry, Ingenix has been the predominant source of information about the market price of medical services. While the industry has long represented the usual and customary estimates of medical charges compil...

"Usual and Customary" Rates in the Health Insurance Industry

Most Americans covered by private sector health insurance participate in plans that encourage them to use health care providers within their insurance carriers network, but that also allow them to see an out-of-network provider if they choo...

How can I protect my health insurance benefits?

If you are losing your health insurance due to job loss or reduced hours, there are some important steps you should take. Women and their dependent children who lose their health insurance through divorce or death also are entitled to the fo...

What happens if you have health insurance through your employer and you leave your job?

If you leave a job where you have had employer-sponsored health insurance, you will want to ensure that you have continued protection against the high costs of health care. Whether you leave the job on your own or you are forced to leave, t...

Are there other types of health-related coverage? - Questions About Health Insurance

Other types of health-related coverage include long-term care insurance, disability insurance, and supplemental insurance. Long-Term Care Insurance The purpose of long-term care is to provide the help you need to perform activities of daily...

How does Medicare coverage work? - Questions About Health Insurance

Medicare is the Federal health insurance program for Americans age 65 and older, some disabled Americans, and individuals who have end-stage renal disease (ESRD). The Original Medicare Plan, which is available nationwide, is a fee-for-servi...

What is consumer-directed coverage? - Questions About Health Insurance

Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive, and how much they spend on health care services. The maj...

Which type of health insurance is right for you?- Questions About Health Insurance

Whether you are eligible for group insurance or choosing an individual plan, you should carefully compare costs and coverage. Be sure to compare: 1. Premiums. 2. Coverage/benefits. 3. Access to doctors, hospitals, and other providers. 4. Ac...

How do you get health insurance? - Questions About Health Insurance

Most people get health insurance through their employers or organizations to which they belong. This is called group insurance. Some people do not have access to group insurance. They may choose to purchase their own individual health insur...

Why do you need health insurance? - Questions About Health Insurance

As medical care advances and treatments increase, health care costs also increase. The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or inj...

Can a Public Insurance Plan Increase Competition and Lower the Costs of Health Reform?

Senator Barack Obama has proposed having a public plan available to those seeking coverage in a purchasing arrangement, such as the Federal Employees Health Benefits Plan. Senators Hillary Clinton and John Edwards had similar proposals. In t...

America's Health Insurance Plans' Statement On National Committee For Quality Assurance's State Of Health Care Quality Report

America's Health Insurance Plans issued the following statement about a new report issued by the National Committee for Quality Assurance: No segment within health care is more committed to quality and quality improvement than the community...

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Health Insurance Tips Whether you are single, married, or have children, it is imperative for people to have health insurance. This coverage is used daily by millions of people around the world. Most

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