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Health Insurance Blog

In February 2006, Congress approved legislation clearing the way for expanded, nationwide public-private long-term care (LTC) insurance partnerships. The law authorizes changes in state law to allow individuals to purchase private LTC insurance that coordinates with Medicaid. Specifically, in states adopting the Partnership approach, individuals can purchase private LTC insurance policies with the assurance that Medicaid will cover LTC costs incurred beyond the terms of the private coverage. In these states, under the terms of the Partnership, people with private insurance are not required to “spend down” their remaining assets to qualify for Medicaid.

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Medicaid - Long-Term Care

Unlike Medicare, Medicaid provides extensive benefits for long-term care. But the Medicaid program was created to pay for care needed by the poor, and only those who meet the program’s definition of poverty can receive these benefits.

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Medical Coverage

The state and the Hawai’i Medical Service Association have reached an agreement to provide an estimated 3,500 uninsured children in “gap group” families with health coverage.

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Prescription & Vision Insurance

A health insurance plan may not cover prescription drugs that are not administered in a hospital or other facility. Health plans also do not generally cover vision exams, eyeglasses, and contact lenses. What supplemental coverages meet these needs?

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Lower Costs for Care

Health officials outline plans to expand kids’ insurance program Read more… »

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More than 10 million children aged less than five die every year in developing countries in the continent of Asia. The number is astounding, alarming and more specifically its true. For more than three decades now developed nations have held summits to understand the severity of the matter and consequently attempted to come up with achievable solutions. But according to records, all efforts have been in vain since only three nations seem to have experienced tangible improvement in terms of child health care and welfare. Philippines, Indonesia and Vietnam are the only three nations that have been successful in bringing down the infant mortality rate to less than 70 deaths in about 1000 children. For other countries the figures are not as impressive but they definitely do much to deliver hope- Bangladesh and Nepal have seen reduction in infant mortality rate in a sustained way but the case is definitely not so with India. This country is still way behind in ensuring a lower infant mortality rate and if the current progress is sustained, the country will have no hopes of securing a better life for its children in the near future.

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The Spitzer administration proposes lowering insurance premiums, creating a hot line and hiring outreach workers to encourage more children to enroll in the insurance plan.

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Health Insurance Massachusetts

There is a new state mandate that requires all Massachusetts residents over age 18 to have health insurance. Those still without health insurance coverage at the end of this year today will ring in the New Year with penalties and fines.

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Health Insurance 2008

With nearly 47 million Americans living without health insurance and health care costs rising exponentially, it looks like 2008 will be the year of health care;

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Life Insurance Quotes Made Painless

It used to be that getting a quote on life insurance felt like you were pre-determining your life expectancy. Sure, they called it a life insurance quote, but it seemed more like a death insurance quote. After answering each question, the insurance salesperson would give you that look that says, How could you do that? Don’t you know it cuts ten years off your life??
Well it’s not that bad today. Life insurance quotes are now easier than ever, thanks to the time saving technology from the online world. You can get a term life insurance quote from several companies and compare them without ever talking to a representative. Get a whole life insurance quote in a matter of seconds instead of days. And you can do it all from the comfort of home.

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