Health Insurance 101 – What You Should Know!

Health insurance is a must in life. You cannot go without insurance unless you are prepared to handle a pool of medical debt that you will have to pay off out of your own pocket at all times. Are you going to have $80 to $100 on hand to visit your doctor when you need it? Will you be able to find $5,000 for that minor outpatient procedure that you need done? In most cases, people assume that they can’t afford health insurance. The reality is that you can’t afford to live without it. Health insurance provides coverage for major medical issues, basic healthcare services, routine preventative care, accidents and injuries, and even certain health screenings and special treatment services.

California Health Insurance – Major Medical Insurance without Exclusions

Insurance often seems like a labyrinth of confusing details of what the plan will not cover instead of a clear cut plan of how to help consumers with their medical care costs. While health insurance can be complicated, it does not have to be overwhelming. With some research and questions, consumers can understand health insurance and choose a plan that works for the family. One of the important points to consider when choosing a health insurance plan is the presence of riders and exclusions.

Autism – What to Do If You Have No Insurance

For families with no insurance, the prospect of paying for therapies, doctors, diagnostic testing, medications, and adaptive equipment looms like an insurmountable challenge. However, there is hope and help available to these families that can help take the burden off of excruciatingly high medical and therapeutic costs. Having a child diagnosed with autism makes for difficult adjustments in family plans and financial goals. For many families without major medical coverage, the first option is to apply for Social Security Disability benefits for their child. These benefits include access to federally funded medical programs like Medicaid.

Pre-Existing Medical Conditions – How to get Approved and Don’t Over pay

People who have medical conditions are the ones who need the most help paying their bills and it’s a problem when they are diagnosed with an illness and can’t afford treatment. There are some things you can do to protect yourself to avoid the terrible situation happening to you. Pre-existing medical conditions like diabetes or even cancer can stop you from getting a health insurance rate you can afford. Health insurance reform was intended to address this problem.