Enterate Insurance

  The health insurance marketplace is certainly challenging, but count the lucky stars that at least you have choices. To that end, this article is going to explore the pros and cons of group health insurance. Group Health Insurance Pros Group health premiums are subsidized by the employer.  Generally, an employer must contribute at least 50% of the "employee only" premium . As such, if you are an employee, you can likely get a richer health plan for less premium than you would pay in the individual health marketplace . However, the cost to add your dependents to the employer's plan may be cost-prohibitive. In this case, assuming that your dependents can qualify , then you may want to put them on an individual health plan. Group health premiums for large families are the same as for small families ; whereas , in the individual market, you pay a separate premium for every family member. So, if you have a large family , you may be able to get a better deal by adding

 If you do not have access to a group employer plan then the other option you have is to apply for an individual health insurance plan. Individual health insurance applications require more information from you than group health insurance plans that you might have had through a job . The reason for that is that individuals, and that applies to family health plans, are medically underwritten. That means that a person called a medical underwriter will go over your medical application and decide if you are a good risk for the insurance company. The main reason for medical underwriting is to keep the overall cost for everyone low. The more insurance company has to pay out in claims the more they have to charge everyone for health insurance to keep the average cost down . If you have already had a chance to take a look at individual applications then you probably know that it can be long. How much of the application you have to fill out depends on your previous medical history

 If you are reading this then you probably have been declined for health insurance in the recent past. When you get declined for health insurance it probably has something to do with your medical history. Since California is one of the underwritten states healthcare companies have the right to decline people for health insurance. Which health insurance company might decline and who might not all depend on risk assessment using actuarial tables? Anytime when you fill out an individual application for health coverage and answer yes to one of the medical questions your application might be manually reviewed by one of the underwriters . It is a person who is responsible for reviewing applications using actuarial tables. Actuarial tables are statistics done by insurance companies, hospitals, doctors, and researchers that predict the cost of insuring someone with a specific medical history . Some states like New York, New Jersey, and Washington require insurance companies to ins

  Why not use your health insurance for counseling? Isn't that what it is for? Perhaps. But using health insurance for mental health services is a little different than other medical issues. Sometimes mental health issues are not covered by your health insurance. Once you use your health insurance for mental health, you will have a mental health diagnosis on file - a mental health disorder/mental health illness must be on the insurance claim for insurance to pay for treatment . This will be in your permanent medical record . Of course, you want to consider using your health insurance for counseling , but there are some good reasons for you to consider why you may not want to use your insurance for counseling services. Why doesn't my counselor accept my health insurance ? Many counselors choose   not to accept health insurance  for very good reasons. They want to focus 100% of their time on treating you. If they accept health insurance, there is a lot of extra work inv

  While consumers search for affordable health insurance, they have a price in their mind as the top priority. A general conception among consumers is that cheap health plans should not be costly-the cheapest health plan available in the market is their target . However, this approach is not good. Sometimes, paying for a cheap health insurance plan but still not getting the required level of coverage results only in a waste of money. With the implementation of the affordable care act, the reach of affordable health plans is set to increase. Or at least , this is what is believed to be the objective of healthcare reforms . However, lots of consumers are still in confusion about how things would work. In this article, we will discuss some detailed options that consumers can try while looking to buy affordable health plans. To get a hand on affordable health insurance plans, consumers need to take of certain things. The first among them is about knowing the options in the par

I have been a health insurance broker for over a decade and every day I read more and more "horror" stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses, and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, not people (albeit they need people to make profits). If the insurance company can find a legal reason not to pay a claim, chances are they will find it, and you the consumer will suffer. However , what most people fail to realize is that there are very few " loopholes " in an insurance policy that give the insurance company an unfair advantage over the consumer. Insurance companies go to great lengths to detail the limitations of their coverage by giving the policyholders 10 days (a 10-day free look period) to review their policy. Unfortunately , most people put their insurance cards in their wallet and place

 INTRODUCTION - The term "health insurance" is commonly used in the United States to describe any program that helps pay for medical expenses , whether through privately purchased insurance , social insurance, or a non-insurance social welfare program funded by the government . Synonyms for this usage include "health coverage," "health care coverage" "health benefits" and "medical insurance." In a more technical sense, the term is used to describe any form of insurance that protects against injury or illness . In America, the health insurance industry has changed rapidly during the last few decades . In the 1970's most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-for-service. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important catego

 I have been a health insurance broker for over a decade and every day I read more and more "horror" stories that are posted on the Internet regarding health insurance companies not paying claims , refusing to cover specific illnesses , and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits , not people (albeit they need people to make profits). If the insurance company can find a legal reason not to pay a claim, chances are they will find it, and you the consumer will suffer. However, what most people fail to realize is that there are very few " loopholes " in an insurance policy that give the insurance company an unfair advantage over the consumer. In fact, insurance companies go to great lengths to detail the limitations of their coverage by giving the policyholders 10 days (a 10-day free look period) to review their policy. Unfortunately, most people put their insurance cards in their wa

 INTRODUCTION - The term "health insurance" is commonly used in the United States to describe any program that helps pay for medical expenses , whether through privately purchased insurance , social insurance, or a non-insurance social welfare program funded by the government . Synonyms for this usage include "health coverage," "health care coverage" "health benefits" and "medical insurance." In a more technical sense, the term is used to describe any form of insurance that protects against injury or illness . In America, the health insurance industry has changed rapidly during the last few decades. In the 1970's most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-for service. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important catego

 With the impending onset of Menopause, I decided to get my physical health checked up, as well as continue to work on my mental attitude with a Counsellor. I booked an appointment to have my breasts examined at our local specialist Unit, which runs on a charitable basis outside the NHS. I've been having this done on and off since I was 20. The nurse manually palpates your tissue to check for lumps and shows you how to do so correctly for yourself each month. If she finds anything untoward, you will be referred for a mammogram. This time, I was told that Unit policy now says that women under 50 should have a mammogram every year and those over 50 every other year. I last had one of these torturous tests over five years ago when I had a lump under my armpit. This turned out to be a hormonal reaction by my breast tissue and the pain and size of the lump in the second half of every month were regulated by using Starflower or Evening Primrose Oil which contains gamma-lino

 Despite the differing positions of the U.S. Services Task Force and the physicians themselves, are women willing to undergo regular mammogram tests for their health's sake? Since it is they who will either suffer or benefit from stopping or continuing mammogram tests , the decision must come from them as well . This is following the new U.S. breast imaging guidelines, recommending against routine screening mammograms for women in their 40s. Critics fear the change roots from the current drive for health care reform, and not to ensure women's safety against breast cancer. They say it is a step backward that would lead to more deaths of the said type of cancer . The critics are concerned that both the public and private insurers would use the guidelines to trim health costs, rationing care at the end of the day. As a result , breast cancer deaths might go up again. When regular mammogram screening began in 1990, deaths dropped by up to 30 percent. Experts are firm o

 The government is waffling about the need for women to have mammograms before age 50 or even how often this needs to happen . Mammograms are dangerous . There is almost never a reason for a woman to have one. The primary reason is that mammograms expose women to a load of radiation equivalent to 1,000 chest X-rays. Since we know that radiation causes cancer, it stands to reason that the preventive test might actually cause the disease it is attempting to prevent. Over a period of years, that amount of radiation can certainly cause trouble. In addition, the extreme breast compression that takes place during a mammogram might even rupture an existing tumor, spilling possible cancerous cells into the breast tissue and even spreading cancer. Doctors are fervent, even zealous about the idea that all women need annual mammograms to form the time they are 40. Doctors cite "research" showing that early-stage breast cancer detecting through mammogram screenings . They say

 Most women know the importance of having a yearly mammogram once they've reached the age of 40. Every year there are hundreds of groups spreading the word about the importance of mammograms, inundating the media with pink ribbons and information. However, many women have let years go by without scheduling their mammograms . For one reason or another, there are still far too many women who are not getting routine mammograms and are falling behind in this crucial tool in their breast health. One reason women may be skipping their yearly mammogram may be that they believe breast self-exams or clinical exams will give them the information they need to detect any irregularities that need further examination . However, according to the CDC (Centers for Disease Control), even though doing breast self-exams is an important part of your overall breast health, it does not replace having a mammogram. Mammograms have been shown to decrease the risk of dying from breast cancer due

 Sidestepping screening: What factors make women avoid annual mammography? Breast cancer has the highest incidence and mortality rates worldwide, and it is the second leading cause of cancer deaths for women in the United States. While mammography is far from perfect, it remains the best screening tool available for the early diagnosis of breast cancer. But studies show that about one in four women, forty and older, have not had a mammogram within the last two years. That figure is even worse for low-income women , with 40% admitting that they have never stepped within a few feet of the bucky. A recent study out of New Hampshire revealed that more than one-third of the women in that state who are eligible for mammography have either never had the breast cancer screening test or have not been tested in more than two years (Cancer, September 12, 2005). This is despite the enthusiastic efforts by breast cancer screening advocacy groups to promote screening and boost awareness

  I've worked in the healthcare field for many years. During this time I've had many opportunities to talk with the doctors, nurses, and technicians who work in the X-ray department that specializes in mammograms . Here is a list of the ten most important things that women should know about getting a mammogram. This is the most important thing: have a yearly mammogram if you are over 40 years old or have a family history of breast cancer. Go to an X-ray facility that regularly performs mammograms (at least 3-5 per day). This ensures that they have adequate experience in regularly dealing with mammograms. Ask to see their FDA certificate - this shows if they have met high-quality professional standards . Go to the same facility each year, if you are happy with the quality they provide. This way it is much more likely that the same people will look at your mammograms each year, and this makes comparing x-rays from prior years much easier. If you go to a new facility,

 There are so many jokes about mammograms! Have you heard the one about the fridge door ...or the bookends ...or the garage floor? Thanks to all the jokes, "Mammogram" has become a household word, and it's not that I don't have a sense of humor, but as a mammography technologist, I've heard the jokes many times. I think the jokes are embarrassing for women and demeaning concerning their physical bodies. Many women say , "If men had to do this, there would be a better solution" - this may or may not be true . Most people agree that mammograms are not perfect, but until there is a better solution, I think it's time to look at mammograms in a different light. In May of 1985 and 1986, I asked my doctor to order a mammogram for me and he refused both times saying I was too young. There were no screening mammography centers to which I could refer myself, so that was that. In December of 1986 at the age of 42, I felt a lump in my breast and ha