Insurance Blog Post

You do not want to wait until you are sick or injured to find out what your health insurance policy will not cover. Read the policy carefully. "Exclusions" (also called "Impairment Riders") are certain injuries, conditions, or procedures for which an insurance policy will not pay any benefits. Possible exclusions include: pre-existing conditions; suicide or other self-caused injury; sexually-transmitted disease; vision correction; noncommercial airline travel; experimental treatments (ask how they are defined); and injuries from war.

People buy health insurance for different reasons. The following are ten of these reasons. Please look them over and consider which reasons apply to you and which do not. This will help you to evaluate what type of health insurance will best meet your personal needs.

At first, health insurance that covers 100% of health care costs sounds great. However, it can be very expensive. It also can be inefficient due to moral hazard. You generally wind up paying for services whose costs outweigh their benefits even if you do not use them. Even if your employer pays for your insurance, you probably pay for it indirectly because your take-home wages are lower.

Politics and health care have a very close yet adversarial relationship. Health care practitioners accuse politicians of making decisions that compromise their ability to provide appropriate care without giving them protection the protection they feel they need to be safe from frivolous malpractice lawsuits. Politicians in turn criticize the health care system for skyrocketing medical costs. They claim this is making health care in the U.S. an elitist system

There are a multitude of health plans on the market to choose from. That might seem confusing to some, but it really only means that there is an affordable health care plan waiting for you.

At Healthinsurance.info, you''ll find comprehensive reviews on different health insurance plans. Select the category below that is most suited to your health insurance plan.

When the price of something goes down, people tend to buy more of it. Is this true for health care? There are many aspects of health care over which people have little control. People do not decide to get sick. Also, when they do get sick, physicians make many decisions about what care they receive.

Senator John McCain described himself as a “Federalist” last night. This was in the context of his explaining that the Supreme Court should reverse Roe v. Wade and leave it to each state to determine how abortion will be treated within their own boundaries. Federalism emphasizes the portion of the United States Constitution that reserves to the states powers not specifically assigned to the central government.

Amazingly, no matter what car the customer wants, it is always ‘hot property', ‘very sought after' and/or ‘hard to find'. Moreover, it isn't a secret; we have all known it for years.

I don't think there's any other type of insurance that is more universally agreed upon as being valuable than disability insurance.

If the policy was not owned by the insured, none of the proceeds are included or taxable in the estate of the insured, unless the policy had been transferred by the owner within three years of his or her death, in which case, the total proceeds are included in his estate."