Think about the time you go to the doctor’s office or sign any legal document. Set right before you is a pile of papers you are told to sign and date. Some people brush over the contents of the page, but are honestly so overwhelmed by all the papers that they do not thoroughly read through the ... Views: 1645
Kentucky will set up a health benefit exchange if the Supreme Court approves the health care law. The idea of the exchange is to allow individuals and small businesses to compare coverage, provider networks and costs and purchase affordable Kentucky health insurance online. The law requires all ... Views: 1374
According to a report prepared for the Ohio Department of Health Insurance, over 60 percent of Ohio’s residents get their health insurance through their employers. However, Ohio Lt. Gov. Mary Taylor says there could be a lot of confusion ahead for businesses as well as individuals when shopping ... Views: 1352
With some exceptions, going without Kentucky health insurance will attract a penalty starting 2014. Approved by the Supreme Court as constitutional, under the new law, IRS will collect the penalty just like taxes.
The Congressional Budget Office recently released a statement saying that about ... Views: 1244
Though medical costs are rising, you still need to purchase health insurance for yourself and your family. Choosing a high deductible Ohio health insurance plan is an ideal way to lower your expenses. A high deductible plan usually has a low premium. To understand why such a plan is a good ... Views: 1233
The Kentucky Department of Insurance has recommended Anthem’s Preferred Provider Organization (PPO) plan as the ‘benchmark’ for Kentucky health insurance companies under federal health care reforms.
Anthem’s PPO plan would represent the minimum level of benefits provided for individual and ... Views: 1134
According to a recent estimate, a Kentucky couple retiring in 30 years may need almost $500,000 for to pay for medical costs in retirement. There are many medical costs to plan for in retirement, including long-term care and Medicare premiums. The best way to prepare for retirement is with a ... Views: 1133
Since 2011 health insurance has been drastically changing. One thing that will be changing in 2014 are the options for buying Ohio health insurance. The new option will be, “buying through an exchange”. Buying through an exchange is going to be an option for those buying coverage on their own or ... Views: 1097
You are starting to plan that family vacation to Greece that you have all been dreaming of for the past five years. Everything seems to be going great and you feel like you have kept on track with everything that needs to be done. The mail is going to be held when you are away, the neighbors ... Views: 1077
You are a young, healthy adult living in Ohio. You may ask - why health insurance? The reason is that regardless of how physically fit you are, an unexpected illness or injury could put you in a lot of financial trouble. So even if you are young and in good shape, you need to think about finding ... Views: 1068
With Buckeye State voters approving Issue 3, which prohibits government from forcing them to buy Ohio health insurance, Ohioans seem to have spoken out against a government-knows-best set of directives.
Many objections have been raised against Obamacare from different quarters, and one of the ... Views: 1046
Health Savings Accounts (HSAs) are becoming more and more popular in Kentucky and in other states. With health care costs rising, a HSA paired with a High Deductible individual health insurance Kentucky plan is a great way to save money. Read on to learn how.
A HSA is a special savings ... Views: 1040
Having health insurance is no longer an option – it’s a necessity. If you are employed, you would be covered by an employer-sponsored plan, though now you could be paying a higher share of the coverage than before. As with the rest of the U.S., the Ohio job market has been hit by the economic ... Views: 1019
A national survey conducted by Buck Consultants shows that costs for all types of medical plans are expected to increase by 9.9% for 2012. This is being welcomed as this is the first time since 2001 that Buck has predicted cost increases less than 10% for any type of plan. If you live in Ohio, ... Views: 1010
According to census data, the number of uninsured Kentucky residents in 2010 was 640,000 or about 14.9% of the state’s population. If you are among the uninsured, it’s time to start thinking about purchasing a health insurance Kentucky policy as the individual mandate of Patient Protection and ... Views: 1005
I recently spoke with someone who just graduated from college and had obtained a job that offered health insurance, which therefore put her in a situation where she could no longer be covered under her parents’ insurance. Since she had never shopped for insurance, she knew very little about what ... Views: 982
Ohio will have a federally run health insurance exchange by 2014. This follows the decision by the governor not to implement a state-based exchange to sell Ohio health insurance. The setting up a federal health exchange is a major change as traditionally, states have controlled the private ... Views: 973
One of the major objectives of health reform is to extend coverage to more than 30 million more people. However, providing them all with timely and proper medical care will be an issue. The Department of Health and Human Services has pointed out that America has a serious doctor shortage. By ... Views: 963
Now that the elections are over, the controversies surrounding Obamacare seem to loom larger than before. Many things will change on the Ohio health insurance scene when health reform is implemented. Here are five major issues Ohioans will have to deal with.
Healthcare exchange: For one ... Views: 956
You have planned all the details of your vacation abroad, but are worried about the unexpected. Trip and hotel cancellations, unexpected calamities in the country you’re traveling to, a medical emergency, baggage loss and so on are fears that can destroy your peace of mind. That’s why you need ... Views: 944
President Ronald Reagan, a name you probably have not heard recently unless you have been taking a class on our past presidents. Like most presidents each one has left some mark on history. If you are familiar with COBRA insurance than you are familiar with a mark that was left by President ... Views: 938
A Health Savings Account (HSA) is a great option to save for your current and future qualified health expenses on a tax-free basis. You have to be covered by a High Deductible Health Plan (HDHP) and not have any other insurance in order to open a health savings account. Leading providers of ... Views: 938
Fall is round the corner and it’s time to get back to school! As a college student, one of the first things you should be thinking about is securing your Kentucky student health insurance. If you should fall sick or have an accident and don’t have coverage, you could end up spending lot of money ... Views: 937
According to the U.S. Department of Health & Human Services, losing employer-sponsored insurance is a risk that everyone faces – regardless of income, employment status, age, race/ethnicity, gender, and health status1. Many employers have stopped offering health insurance, many are shifting more ... Views: 920
The Commonwealth Fund Health Insurance Tracking Survey of U.S. Adults reports that a quarter of adults ages 19 to 64 (about 8.3 million) went without health insurance for some time last year. Another report for the state of Ohio found huge gaps in Ohio health insurance coverage. The Health ... Views: 912
When choosing an Ohio health insurance plan, it can be overwhelming to determine which plan is right for you. With the many varying options in coverage, the plan that is the right fit for you may not be the plan that is best for someone else. By considering the following and discussing your ... Views: 907
The truth about Ohio health insurance is that costs are rising. If you have been watching the news or reading the newspaper you know that it is a constant battle for insurance companies to provide insurance at an affordable rate while also making money. People are demanding lower costs, but the ... Views: 903
According to the 2012 Milliman Medical Index (MMI), healthcare costs for American families in 2012 have risen beyond $20,000 for the first time. About 60 per cent of families are covered by an employer-sponsored PPO plan, but the increase is 6.9% – an increase of $1,335 over 2011. The 2012 MMI ... Views: 899
Why do we have health insurance? In Ohio, we have health insurance so that if we get sick or have a medical emergency and need to go to the hospital/doctors, we do not need to pay the fees right out of pocket. Would you believe me if I told you that you could limit how much you go to the ... Views: 898
Erin Hoeflinger, president of Anthem Blue Cross Blue Shield Ohio has called the Affordable Care Act “a mammoth change for Americans”. Most people are still unaware of how exactly the changes will affect them and their quest for affordable Ohio health insurance, but Hoeflinger spoke quite clearly ... Views: 891
The cost of Kentucky health insurance is rising every year and people are looking for ways and means to save money on health care. Though the Patient Protection and Affordable Care Act is meant to enhance coverage for Americans in general, it is expected that premiums and out-of-pocket expenses ... Views: 891
New surveys of recent graduates show that most are apprehensive about their job prospects. A majority feel that they may not find a job, and many are worried that they may not get employment in their chosen field. In fact, many are looking at a prolonged wait for financial independence. ... Views: 888
An average stay in an Ohio hospital can cost up to $20,000 or more. Getting health care coverage helps you enhance your health as well as meet unexpected and costly medical expenses. Once you’ve decided to enroll in an Ohio health insurance plan, the next step is how to make a wise decision and ... Views: 868
Making the right choice takes time, patience, and knowledge. With so many different Ohio health insurance plans available through Anthem Blue Cross Blue Shield it is important to take the time to weigh your options and find the one most suited to your needs. Due to the many factors there are to ... Views: 865
Have you been watching the news, and or reading the latest updates on the web about health insurance coverage, and state-run health insurance exchanges? If you have, then you know that there are many things changing from the way that health insurance Ohio has been running up to this point. Will ... Views: 856
When you have to buy an Ohio individual health insurance policy on your own, you need to know the basics so that you make the right choice. Benefits vary among policies. The benefits covered by your plan and the care provider access that it offers determine the quality of care you get and the ... Views: 855
It is amazing how as time goes on we realize more and more that while some things are always changing, some things just always stay the same. When it comes to Ohio health insurance the thing that is consistent is the fact that people are in need of insurance as much as they ever were before. The ... Views: 854
Like so many things in life there are benefits and risks to being self-employed. The great thing for you is that in an economy like this where many employees have been laid off you do not have to worry about your health insurance and being laid off. One thing you may have to think about though, ... Views: 839
You live in Ohio, have just graduated and are job hunting. Finding the right job with all the right benefits could take time. Besides getting employment to suit your qualifications, you need to ensure that your health risks are covered. Though the provisions of the 2010 Patient Protection and ... Views: 836
Travel insurance is an essential for traveling, whether you are going on a family vacation or a business trip. When starting to look into Travel Insurance you may be a little lost and a little overwhelmed by all the choices. Though it may seem like there is a lot that goes into it, it can be ... Views: 836
Kentucky health insurance companies in the individual market are authorized to sell different types of policies and do not have to standardize them. So choosing the right health insurance Kentucky plan can be something of a challenge. The most important thing is to prioritize, understand your ... Views: 834
When getting ready to go on a trip it is smart to start asking questions about the travelers insurance you have and how it will affect you and your family. By doing this, you will be completely prepared to go on your trip and know exactly what will and will not be covered. Because people travel ... Views: 811
What is your unique situation that requires you to search for individual Ohio health insurance? Common situations are “people between jobs, workers whose employers do not offer group coverage, self-employed entrepreneurs and freelancers, part-time, contract and temporary workers who are not ... Views: 796
Over the past year you may have already started to see a change in health insurance. These changes are only just beginning and are said to be taking full effect in 2014. Like most changes, some people are for the change taking place, and others are very against it. While we are not here to tell ... Views: 790
Read the newspaper, or turn on the radio or TV and you will soon discover that there are many changes being put in place for health insurance in Ohio in the next few years. The best thing that you can do is to keep yourself informed, so you are not taken by surprise by any of the changes. ... Views: 764
If you have Ohio health insurance you may have heard about Health Savings Accounts, you may even know people who have them, but you may not have ever considered one for you. However, now might be the best time to start exploring if they are your best option. With all of the healthcare reform ... Views: 764
Knowing when and how to find the right Kentucky individual health insurance plan is crucial when it comes to protecting yourself and your family.
When Individual Health Coverage is Important
You could have coverage under your employer’s group health insurance, but there are many reasons ... Views: 763
Most working people in Kentucky get health coverage through a group health insurance plan offered by their employer. However, they now have to pay a larger share of the costs than before. In fact, you could possibly save money by opting out of group health insurance and buying a health insurance ... Views: 759
It has recently become apparent that those who have Ohio Health Insurance are struggling when it comes to meeting the payment requirements for prescription drugs. The cost has gone up and health insurance companies would lead the consumer to believe that this increase has been dealt primarily by ... Views: 750
Now more than ever people have specific questions about Kentucky individual health insurance. The Supreme Court has passed the Affordable Care Act and many wonder what this will mean for them. Here is a series of the most frequently asked questions about the mandate including informed ... Views: 744