Search Results for: blog primary and secondary health insurance coverage

Medicaid and FAMIS MOMS Covers Pregnant Women in Virginia

The Medicaid program in each and every state is designed to cover low income women who are pregnant. In Virginia, the main Medicaid program will provide that coverage. There is also a FAMIS MOMS program that can help those who do not qualify for the main Medicaid program. Medicaid is a public, or government run, form of health insurance. It provides coverage to individuals and families who are low income, and who cannot afford to purchase a health plan from a private insurance company. Medicaid is funded, in part, by the federal government. It is also partially funded by the … Continue reading →

Wells Fargo has Concussion Coverage

Wells Fargo Insurance Services has created insurance packages that manage and identify concussions in youth athletes. It is the first of this type of insurance to exist. I am guessing that the recent news reports about young football players receiving concussions might have influenced the creation of this new policy. It isn’t unheard of for a child to accidentally fall, and end up receiving a concussion. When this happens to small children, parents tend to take it very seriously. What happens next might be a trip to the emergency room, or a phone call to a pediatrician. Things may go … Continue reading →

Signing Up for Medicare Part B

This year, my husband has decided to sign up for Medicare Part B. He is currently getting only Medicare Part A. We have been struggling to find affordable health insurance since I lost my job a few years ago. It seemed like a good time for him to try and get Part B. Medicare is a government run health insurance program that is for people who are age 65 or older. It is also for people who have certain types of disabilities, no matter what their age happens to be. My husband is legally blind. He was born this way. … Continue reading →

Insurance Tips For the Recently Divorced

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Going through a divorce is stressful. It requires a person to make a lot of changes that can be difficult to experience, from both an emotional and financial perspective. People who have recently gotten divorced should take a look at their existing insurance policies. You might want to make some changes to them, for your own protection. The National Association of Insurance Commissioners (NAIC) has put together some tips that can help people who recently got divorced figure out what changes they need to make to their insurance policies. Now that your divorce has been finalized, it is time to … Continue reading →

What is Dread Disease Insurance?

Dread Disease insurance is also called Critical Illness insurance, or Specified Disease insurance. Each of these names is referring to the same kind of insurance. It is a secondary, or supplemental, insurance policy that can help to cover the medical expenses that are due to a particular serious illness. This kind of insurance is not a replacement for more comprehensive insurance. It covers a very limited amount of things, and only under very specific circumstances. Dread Disease insurance provides extra coverage that goes along with your primary health insurance. Most people choose to get this type of insurance if they … Continue reading →

Primary vs. Secondary Health Insurance

If you have more than one kind of health insurance, one will be considered primary, and the others will be secondary. These designations determine what bills each health insurance policy will cover. It also determines which insurance company will be sent the bill when you visit a doctor or receive hospital care. Health insurance that comes from your employer is, in most cases, your primary care insurance. Why? This is because it covers both you and your spouse, or, because it is the health insurance policy that you have had for the longest amount of time. There are a lot … Continue reading →

Insurance Company Refused to Cover than Reconsidered Too Late

Welcome to 2008, hopefully your family had a better end to the year 2007 than the family of Natiline Sarkisyan. Their year ended with a funeral for their teen-aged daughter who died after her health and medical insurance company refused to pay for a liver transplant and then reconsidered. The Philadelphia-based Cigna HealthCare insurer has a history of approving coverage for over 90% of all transplants claims requested by their insured members, with over 90% of the liver transplant request being approved according to Cigna company President David Cordani in a memo addressed to employees and distributed to the media. … Continue reading →

Five Ways To Save Money on Health Care

Health care costs are higher every year. For the last six years, costs have gone up an average of nine percent annually! But you don’t have to just take the costs — there are ways to save money on health care without missing out on the treatments, tests, and medications you need. Shop around for tests. Different labs and clinics can have very different prices for the same tests; for example, a CT scan can cost anywhere between $500 and $1500. Shopping around can save you between 20 and 66% on the cost of a test. What you need to … Continue reading →

Life After Cancer: Spouses

Cancer is devastating for the patient and for the people close to the patient. In a recent survey from www.WebMD.com, more than half of the spouses of men with prostate cancer said that they took an active role in their husbands’ experience. Spouses of cancer patients often experience the same emotions the patients themselves do: fear, helplessness, anxiety, depression, and a loss of intimacy. Spouses who take an active role may supervise treatments and medications, help make treatment decisions, and act as support and morale booster. Many of the cancer survivor spouses said that the disease brought them closer together. … Continue reading →