The Affordable Care Act (ACA) allows you to add or keep your adult children on your health insurance until they turn 26. However, not every child needs this help, and in some cases you may want to consider removing them from your plan. Keeping adult children on your health insurance as long as possible may [...]
The open enrollment period for 2016 health insurance coverage under the Affordable Care Act begins in November, so if you’re ready to switch health insurance providers, or are on the open marketplace for the first time, now might be a good time to get educated. Under the Affordable Care Act, often referred to as Obamacare, [...]
Whether you’re in good health naturally or you rely on medication and specialists to stay that way, finding the right health insurance plan is key—and you could pay a penalty if you don’t have it. If you’re self-employed, your employer doesn’t offer health insurance, or even if you simply think you might be better off [...]
No matter the circumstances, divorce can be painful—both emotionally and financially, including issues surrounding various types of insurance policies. As you work through your finances, be sure to consider the insurance implications of divorce. Auto insurance A divorced or separated couple will need to decide who will wind up with any car (or cars), and [...]
After you’ve decided on which plan might work best for you, it’s time to shop for and compare insurance plans to ensure you find the health insurance policy that fits your needs. The Patient Protection and Affordable Care Act (PPACA, also called Obamacare) requires everyone, except those in very specific circumstances, to purchase health insurance. [...]
Choosing the right health insurance plan can be a daunting task. In addition to deciding which coverage best suits your needs, you also have to cut through the jargon to ensure you’re accurately comparing health plans. As you shop for insurance, you’ll likely see four terms over and over again: premium, copay, coinsurance, and deductible. [...]
How can someone who has a health "history" get covered by health insurance benefits? There are several resources for those who are self-employed or unemployed to find health insurance. Even if you have preexisting health issues, you can get health insurance, but you're challenge is getting it an an affordable cost.
If you are in dire financial straits because you are unemployed or don't have insurance, and if you can't afford to pay for your prescription drugs, help is available. Almost all of the major drug companies offer a patient assistance program in which your prescription drugs will be made available to you at a greatly reduced price or for free. You can check with the individual drug company, either by visiting the website or calling headquarters on the telephone, for more information. Also, ask your doctor to check with the pharmaceutical representative when he or she is in the office.
As the cost of health care rises, so does the cost of health insurance. As health insurance costs rise, employers are putting more of that extra cost on employees. Employees are facing higher health insurance costs because doctor and hospital fees are going up, as are the prices for prescription drugs.
When you have a pet you may decide you want to buy pet insurance to cover your pet's health costs. How can you decide on the right pet insurance? You can ask questions similar to what you'd ask for a human health insurance policy.