For years significant resources have reportedly been directed towards combating health care fraud by insurers, regulators, law enforcers and legislators. Yet, despite these reported efforts, it would appear, based on the annual estimates, the problem continues to grow and flourish.Could this indicate that health care fraud is at epidemic proportions and can’t be stopped as [...]
In Colorado, no matter what type of health insurance plan you have by law you have certain rights. These include coverage for certain mandated benefits, the right to know what your plan covers and what it does not, and the right to appeal all insurance company decisions when it comes to denying your claim. If [...]
The Canadian Health Care System is based on several socialized health insurance plans providing full coverage to Canadian citizens and a model to follow that the American Health Care System has been analyzing for a while.In Canada, federal government set the guidelines that apply to the different provinces and territories of the country in health [...]
There are lots of different kinds of health insurance. Plan that cover medical services and prescription medicines, plans that cover dental expenses, disability insurance that replaces income lost due to extended illness or injury, long-term care, and so on. In the United States, people typically refer to the plans that cover medical expenses as “health [...]
President Obama signed into law comprehensive healthcare reform legislation that contains a program known as the Community Living Assistance Services and Supporters Act (CLASS Act).The passage of CLASS does not negate the need for private long-term care coverage in any way. Many of the details regarding the CLASS program are not yet defined and will [...]
Universal life care insurance is a globally accepted system to provide quality health care to citizens from all walks of life. It is a system by which basic health care expenses of a person are shared either completely by the government or partially by the government through a financial system of public-private partnership. In simple [...]
“We can’t afford that!”“It’s too expensive!”I hear it over and over again when discussing Long Term Care Insurance (LTCI) with folks. In fact some of my best clients had the exact same reaction when we first talked about LTCI.The fact is most people can afford LTCI. What they can’t afford is the alternative and that [...]
Because of the unfortunate stigma still attached to mental health conditions, people should think twice before using their health insurance to pay for visits to a mental health professional, such a marriage and family therapist, a psychologist or psychiatrist.If you do have health insurance coverage, your first reaction might be to think, “Well, if I’ve [...]
How does an Illinois resident with a pre-existing health condition find a quality Illinois health insurance plan? Why does it seem like it is so difficult to find a pre-existing condition Illinois health insurance plan?Pre-existing conditions are defined as illnesses in which the person has gone to a physician, clinic, or medical facility and has [...]