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Final Rules About What Health Plans Must Cover

This is exactly what many health insurance companies, and many families, have been waiting to hear. The Obama administration has issued the final rules that define the Essential Health Benefits that must be covered in all health plans, starting in 2014. Here is a quick look at what will be included. The Department of Health and Human Services has announced a final rule that defines what health insurance plans must cover. The rule applies to both individual plans and the small group markets. The purpose is to give consumers a consistent way to compare one health insurance plan with another. … Continue reading →

The Affordable Care Act Glossary

By now, you have undoubtedly heard of the Affordable Care Act. When it is discussed, people tend to use jargon and phrases that you might not entirely understand the meaning of. Fortunately, there is an Affordable Care Act Glossary at HealthCare.gov that can help you. The Patient Protection and Affordable Care Act (also know as the Affordable Care Act or “Obamacare”) was signed by President Obama in 2010. It is a series of health reform laws and regulations that are designed to help consumers find affordable health insurance coverage. There are a whole lot of terms that people use when … Continue reading →

More Ways the New Health Insurance Rules Help You

The Department of Health and Human Services recently revealed details about new laws for health insurers. In a previous blog, pointed out how those laws help you and your family. In this blog, I go over more new rules, and how those are going to help your family with health insurance. The new rules make it clear that health insurance plans must cover items and services in a minimum of 10 categories that were defined by the Affordable Care Act in 2010. Each category is defined as “essential health benefits”. Those categories include: ambulatory patient services, emergency services, hospitalization, maternity … Continue reading →

State-By-State Insurance Help for Your Kids

Do your children have health insurance? They need to if they do not. A single parent is working so hard to make ends meet on one income, but going without health insurance for yourself or kids is not a choice. One devastating illness can set you back financially for many years down the road. One family that I know of did not have health insurance when their first child was born and they were still paying this off when the child was 9 years old. You do not want to fall victim to financial ruin because you did not part … Continue reading →

Insurance Blog Week In Review March 1- 5, 2007

Insurance Term Of The Week: The Insurance Application I am surviving surgery and getting back to the keyboard. It’s amazing how much control insurance companies have over the amount and type of medical treatment and care a person receives. I have always been confused when my doctors tell me they would like me to stay another day in the hospital, but because I am doing so well insurance won’t approve another day. The better a patient does, the less time they should need in the care of the hospital. There are of course always, exceptions to the rules and ways … Continue reading →