Now posing a dramatic and serious challenge for school districts across the country, health insurance is no longer a guaranteed financial benefit for teachers. As the cost of health care escalates and school budgets stretch to their limits, today’s educators must either shoulder a heavier percentage of group health insurance premiums than ever before, or … Read more
Many Americans live day to day without health insurance. And while the cost of routine medical care won’t ruin most of us financially, the expense of a catastrophic illness certainly could. If you’re looking for low insurance premiums but want coverage that picks up the slack when it comes to major medical concerns, a catastrophic … Read more
Every tooth in a man’s head is more valuable than a diamond. ~Miguel de Cervantes, Don Quixote, 1605 Plans vs. Insurance: What’s the Difference? There are two primary ways to ease the financial burden of caring for your pearly whites: with a dental plan or with dental insurance. Those may seem like interchangeable terms but … Read more
A type of managed-care organization, an HMO provides health care through contracted hospitals, doctors and providers. One objective of an HMO is to reduce the cost of health care through strict management. The HMO requires you to make a co-payment to an in-network physician and will not pay for services you receive outside the network. … Read more
Looking for a doctor who is in your health insurance plan? Most health insurance companies have Web sites to help you to find a primary-care physician or specialist in your area. If there isn’t a Web site, just call your insurer’s customer service department for assistance. Looking for health insurance? At InsureMe, we match you … Read more
To fully understand how a point of service plan (POS) works, you need to know about health maintenance organization (HMO) plans and preferred provider organization (PPO) plans as well. That’s because a POS is a sort of hybrid between the two. POSs are similar to HMOs in that you may choose a primary care physician; … Read more
According to 2005 U.S. Census data, 8.3 million kids in the United States are without health insurance. This means more than 11 percent of kids in the U.S. have limited access to immunizations, prescriptions and regular developmental check-ups to keep them healthy. The statistics are even grimmer for poor children: Nearly 20 percent of children … Read more
Here at InsureMe, we specialize in individual health insurance shopping. If you’d like to enroll for group health insurance, we recommend heading over to our partner, eHealthInsurance. Of course, if you’re looking for individual health, life, long term care, auto or home insurance, you’ve come to the right place! We can help you comparison shop for … Read more
The latest alternative to traditional medical coverage, wellness insurance helps you get and stay healthy by preventing disease and its symptoms. Covering all or a portion of certain health-related costs and programs, like vitamins, supplements, weight management, smoking cessation and other health-related issues, wellness coverage focuses on overall health maintenance and management, rather than treating … Read more
When you’re ill, visiting the doctor is often the last thing you want to do. After sitting in a packed room waiting your turn, then spending only minutes getting treated, the huge bill that results often seems overwhelming. But thanks to health insurance, you can pass the majority of that medical bill on to your insurance company–and … Read more