health insurance

If you have a pre-existing medical condition, you might be painfully conscious of exactly how difficult it can be to locate adequate health insurance. Many insurance companies will either deny people who have existing health conditions or impose long exclusion periods that you pays premiums without receiving any benefits. There are other possibilities, however. Many group plans don’t discriminate depending on your track record; some, the truth is, were created designed for those that have pre-existing medical conditions.

If you can get a medical insurance plan sponsored because of your employer, this is the best choice. These group plans don’t look at your history and sometimes provide competitive benefits in a highly discounted rate. If you are married as well as your employer will not offer insurance plan, attempt to jump on your spouse’s health plan if possible. If you participate in a union, guild, or any other organization, you could be in a position to obtain medical health insurance through them. If you need to change or renew your plan after enrollment, feel comfortable knowing that your right to coverage is going to be protected under HIPAA, the Health Insurance Portability and Accountability Act.

HIPAA will likely prevent you from losing coverage if you are unemployed. To be qualified to apply for a HIPAA plan, you need to have health care insurance not less than 1 . 5 years just before losing your health plan. The most recent insurance plan should be sponsored by an employer that you can …

If You Have Pre-Existing Medical Conditions, It Is Better to Get Group Insurance Read More

The insurance future has evolved and the insurance future forecast help keep changing. Policy coverage premium figures already reflect falling sales for agents selling health medical plans. Is your insurance future doomed or will it forecast a brand new sales opportunity potential? These two avenues of your respective insurance future forecast are reviewed in this article.

This article is written primarily for experienced agents. These agents previously established a sales career, with an above average portion being health care insurance selling. The sky is already or gonna fall on nearly every captive insurance professional with below four years of insurance policy coverage selling. Previous statistics unveil which simply 5 years back only 7 beyond 100 licensed agents reaching their fourth anniversary. The present turmoil within the insurance industry forecast is not going to improve those numbers.

For a real estate agent selling individual or group major medical policies, the forthcoming clouds of uncertainty are looming overhead. Trade magazine advertising and insurance marketing recruiting for health and group insurance brokers has taken a nosedive. Consumers and businesses are uncertain with what is yet in the future. This is leading to new sales and policy upgrades to rapidly decline. Along with this comes a plunge in many agent incomes.

Is universal health care imminent? The prospective roles of  a real estate agent selling individual and group medical health policies is experiencing uncertainty at the advanced. It is a terrible time for new agents to go in this selling arena.

Universal health gets …

Insurance Future Forecast – Is an Axe Falling on Medical Health Insurance Coverage Sales Selling? Read More

Are you having trouble getting your insurance company to pay for your medical costs? When managed care entered the insurance world ten years ago, its mandate was to collect increased medical bills. Buyer’s return leads directly to many states creating an impartial review panel and requiring insurance companies to develop in-house appeal techniques. Forty-two states now have a third-party review board whose choice can override the choice of insurance companies. Most customers are not even aware that this review board exists. Another problem is that too many people give up when their insurance claims are initially rejected. The appeal process can be long and annoying and many people don’t have the patience or time to pursue a claim regardless of how legitimate it is. The people must be determined and they can win.

The problem in every claim made

Especially if there is important cash, the time you spend asking for an insurance company choice can pay off faster than you think. A recent Kaiser Family Foundation study found that 52% of patients won their first appeal for every claim made. Insurance companies don’t get without paying again. If your first appeal was rejected, press and hold. The report revealed that those who appealed for the second time won 44% of the time. The person who filed an appeal for the third time won in forty-five percent of cases. Implies the possibility that is in your heart regardless of how long? Remember that every time you appeal, the insurance company …

How Health Insurance Claims Are Processed Read More

Zoloft is an SSRI (selective serotonin reuptake inhibitor) specifically designed to treat depression, panic disorder, anxiety disorders, PTSD, and OCD. This medication has proven to be very effective when it is taken accordingly, but can often cause problems for some people. It’s not the side effects or drug interactions that most people worry about, but the lack of health insurance coverage for this medication and others like it. Many states have created laws to require private insurance coverage for mental health treatment, but they have not been effective at convincing insurance companies that covering anti-psychotic medications is a good idea.

Too many insurance companies see this as a risk that they cannot afford, and will deny prescription coverage to people taking Zoloft and other prescriptions for mental health disorders. What is even worse is that some companies will increase health insurance rates or drop customers if they present with serious mental health disorders because it puts them at a risk level that insurance companies aren’t able to handle. If you are already taking anti-depressants, you need to make sure that you find an insurance company that will accept you.

The medical history

You certainly can’t lie about your medical history. That’s insurance fraud. However, you need to make sure that you are getting the healthcare coverage that you need without compromising your health because an insurance company doesn’t like antidepressants. Group health insurance plans that you get through an employer seem to be much more accepting of mental health issues …

Depression Medication and Health Insurance – Getting Prescription Coverage Read More