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Search Results - Health insurance

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Health insurance is insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.

By estimating the overall risk of healthcare expenses, a routine finance structure (such as a monthly premium or annual tax) can be developed, ensuring that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.[1]

The concept of health insurance was proposed in 1694 by Hugh the Elder Chamberlen from the Peter Chamberlen family. In the late 19th century, "accident insurance" began to be available, which operated much like modern disability insurance.[2][3] This payment model continued until the start of the 20th century in some jurisdictions (like California), where all laws regulating health insurance actually referred to disability insurance.[4]

Accident insurance was first offered in the United States by the Franklin Health Assurance Company of Massachusetts. This firm, founded in 1850, offered insurance against injuries arising from railroad and steamboat accidents. Sixty organizations were offering accident insurance in the U.S. by 1866, but the industry consolidated rapidly soon thereafter. While there were earlier experiments, the origins of sickness coverage in the U.S. effectively date from 1890. The first employer-sponsored group disability policy was issued in 1911.[5]

Showing 1 to 25 of 244 Articles matching 'Health insurance' in related articles.
Pages: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | Next >>

1. State Assistance For Your Child's Medical Needs
November 20, 2009

If a person has a low income, there are often other possibilities available to them than just the purchase of a traditional health insurance plan. What constitutes affordable health insurance is relative to the amount of income a family has on which to survive. There are a number of programs that can help low-income households obtain health insurance, but they often must be applied for, and the family must meet specific criteria for eligibility. Most of the states have begun offering health insurance for children of low income families. The benefits and criteria vary on these programs, ba... (read more)

Author: Jen Barnum

2. Is There Affordable Health Insurance Out There?
November 20, 2009

It is a tough situation when you are in the need for medical insurance that is not only suitable but affordable. There are many avenues to use, in order to find that perfect insurance coverage that will not brake your bank, and the one that you choose should be based on your comfort level for each method. There is no right or wrong method for researching new medical coverage plans. Some feel more comfortable with working on the internet and there are many great sites that can assist them. Others do not feel secure with putting their personal information on the internet, therefore they wou... (read more)

Author: Jen Barnum

3. Steps To Obtaining Individual Health Coverage
November 20, 2009

If you find yourself in the position of shopping for an individual health insurance policy, remember that you will need to consider more than the cost of the premium. Cheap health insurance plans often have loopholes where you will be responsible for a number of expenses that you may assume will be covered by your policy. It is difficult to understand all of the terminology and exceptions in a policy, that is one reason why consulting an insurance professional is such a good idea. When you are working with an insurance broker they will be able to explain all details of your insurance poli... (read more)

Author: Jen Barnum

4. Being Financially Sound With Medical Coverage
November 20, 2009

Money is on the minds of many Americans these days, and with that comes concerns about how and where to cut back expenses and live a more frugal lifestyle. Doing this, for some means giving up those extras like big vacations, meals at fancy restaurants, and extravagant shopping sprees, while for others it means cutting back on the groceries that they are buying or perhaps cutting back the amount of their insurance premiums each month. The mentality between wealthy people and those less fortunate is very different. The Wealthier individuals believe that even in time of financial crisis, in... (read more)

Author: Jen Barnum

5. Don't Forget the Travel Insurance
November 20, 2009

There are a worrying number of people who are not taking out travel insurance when they go abroad, according to the insurance experts. Indeed, in response to the recession, and in a bid to save money, many people are choosing to forgo coverage in the belief that it will cut costs. However, there are warnings that this could backfire, especially if something goes wrong when they’re away. A recent study has found that although people are still keen to travel abroad in the current financial climate, 24 percent of those questioned would not take out travel insurance, in order to keep expenses ... (read more)

Author: Matthew Pressman

6. Health Insurance in PA - 5 Ways to Save
November 20, 2009

1. Use the tools that are available to facilitate the search. (Avoid unnecessary interventions: do not duplicate your efforts in calling a PA insurance after another and filling out information forms for information form on-line uses a free service PA can offer, which shows the rates of several companies - and it only takes less than 2 minutes). 2. Research all potential PA health insuranceCompanies. It may (be as simple as asking a few friends or colleagues, [or better still, a licensed PA independent insurance agent], what they know about a particular company or you can go into mo... (read more)

Author: Health Insurance

7. Catholic employers balk at mandate to cover prescription contraceptives
November 20, 2009

A state law that soon will require commercially available health insurance plans to cover prescription contraceptives has several religious employers scrambling to change their coverage for moral reasons. St. Mary's Hospital in Madison and the Madison Catholic Diocese are among employers who say they will switch from commercial health plans to being self-insured so their premiums do not help fund an insurance benefit they oppose on religious grounds. Self-insured policies are exempt from the mandate. "It looks like this will probably end up costing us (more money), but it is... (read more)

Author: Health Insurance

8. Patient information database could help reduce waste, provide best care
November 20, 2009

Care for heart failure is relatively cheap in Madison, but treatment for severe arthritis is expensive. Doctors in Dane County give more women mammograms than elsewhere in the state but test fewer heart patients for cholesterol. Those are among the findings from a major new database of patient information formed by insurers, employers and health-care providers in Wisconsin. The database, which reveals how the cost of care, adherence to proper screening and other factors vary by region and doctor group, will encourage physicians to reduce waste and give patients the best care, ... (read more)

Author: Health Insurance

9. Good Results From The Myofascial Release
November 20, 2009

Practitioners of myofascial release maintain that their unique approach to human well-being can produce amazing results. As many people aren’t acquainted with the idea of myofascial reelase (MFR), it’s probably a good idea to provide a brief introduction of the practice. The basic idea underlying MFR is that the body is completely covered in a fascial, or connective tissue, system. The fascial structure surrounds us and simultaneously aids in the support of our structure. Adherents to the theory make an analogy to a tent. Our skeletal structure plays the part of tent poles and fasci... (read more)

Author: Astrid Port

10. The Curse Of Lower Back Pain
November 20, 2009

Research released in 2009 from North Carolina in the United States revealed that the number of people reporting significant problems with low back pain has nearly doubled since 1992. Researchers don’t believe that there’s anything unique about the North Carolina population and postulate that the data is probably applicable across the US and potentially to other parts of the developed world. According to the report, approximately 10% of the population reports significant low back pain. What is behind this apparent low back pain epidemic and what, if anything, should we do about it? ... (read more)

Author: Astrid Port

11. Health & Safety Insurance
November 20, 2009

A lot of people have found enormous success in freelancing. To such an extent that they make the transition from being a self-employed 'freelancer' to operating a a fully fledged consulting business with permanent offices and a small number of employees. If you make this transition its important you have the right business insurance in place. Its more than likely now you employ staff and have customers or members of the public visiting your offices, the risk profile of your business will of changed. Without proper insurance we all know one's business could be wiped out by one big lawsuit s... (read more)

Author: coulson pritchard

12. Health Insurance Quotes for Your Whole Family
November 20, 2009

Every week families in the United States search for reasonably priced term life insurance quotes. Many individuals are surprised upon completion of their application in how easy the process is to shop and buy life insurance online. Each one of our clients that is searching for a term life policy has very different monetary needs. Therefore, we make sure that we compare 100 of the top rated carriers. We do this to ensure that our clients get the best deal in the marketplace. We need to make sure you find a policy that will last a lifetime. Our consulting firm works meticulously to ensure that w... (read more)

Author: Peter john

13. Foreign Visitor Travel Insurance, Insure your trip
November 20, 2009

There are always opportunities for meeting with an illness or accident, if you are outside their familiar environment, cuisine and weather conditions. Visitor health insurance is providing financial assistance during medical emergencies and can prevent the insolvency of you abroad. Some of the passengers, visitors tend to ignore the costs of health insurance by addressing the need for additional travel costs. Unfortunately, it is important to the visitors' insurance is realized only in time of crisis, and there is no point bemoaning the fact that one does not have the proper insurance at the t... (read more)

Author: James Roy

14. Tips on Staying Healthy!
November 20, 2009

With healthcare on the minds of most of the country these days, people are beginning to focus more and more on their health. Health insurance and doctor’s bills can be scary areas for families that aren’t wealthy. Of course, there is a very obvious solution to not sweating the health care issues that saturate our news: Do your very best to stay healthy! Staying healthy is a very important concern to us. It needs proper attention and perseverance to do right things to be healthy and to be physically fit. Healthy diet is on the best way to help maintain or improve our health. It is ve... (read more)

Author: Clifford MacHanter

15. Looking To Replace Your Medical Coverage?
November 19, 2009

If you find yourself in a position where you need to purchase your own medical insurance, you are most likely trying to find the best coverage you can at the most affordable rate possible. When you are purchasing medical insurance for either yourself, or your whole family, that is always the trade off, coverage versus cost. When purchasing medical insurance you should not expect the process to be quick and easy. As a matter of fact, purchasing medical insurance should take a considerable amount of time, as you compare every aspect of every plan that is available to you. Finding the right ... (read more)

Author: Jen Barnum

16. Getting To Know HMO Plans
November 19, 2009

You hear a lot about Health Maintenance Organizations. To understand what an HMO does you have to look at how it works. In'73 the U.S. government decided that any company that had over 25 employees needed health care coverage for their employees that was government approved. It is one of the managed care, health care programs that is available to people. Medical practitioners that want to stay busy with a lot of patients are interested in being part of this type of program. Although they do make less, it is ok because of the number of patients. They are regulated by the HMO and they have ... (read more)

Author: Jen Barnum

17. What Kind Of Health Insurance Your Family Needs
November 19, 2009

If you have kids or soon will you need to look into getting insurance coverage pretty quick. To decide on the type of insurance that will work best for you it is a smart idea to give it some thought and look at what some plans cover. Every family is different and when the children are small they will need more time in front of a doctor for many different reasons. For planning ahead, insurance is a must before pregnancy. You have to have the insurance for a predetermined amount of time before you can have it all paid for. They will consider it a preexisting condition otherwise. Getting goo... (read more)

Author: Jen Barnum

18. Your Plan For Health Insurance Coverage
November 19, 2009

The insurance that you should have is determined by a couple of different things. It has to go with exactly what you need. Because of this it is important to look around at the variety of coverage plans. If you want to get the plan that fit's the best and that is the least expensive, then searching around a little is what you need to do. People that have children to insure have a whole list of special needs from the doctor. Kids need regular checkups as well as many other things. Don't forget to consider immunizations and all the multitude of illnesses that they will come across when they... (read more)

Author: Jen Barnum

19. Can You Afford Health Insurance Coverage?
November 19, 2009

Do you need health insurance for those that you care about the most? Don't automatically think that you can't afford health care coverage. Some people don't even shop around for it because they think it will be too much for them. You need to look though because there are some good options that you may not know about. Anyone that is living without health insurance who becomes pregnant will want to look into qualifying for pregnancy Medicaid coverage. They are more lenient about the amount of income that people can have with this coverage. The reason being that prenatal care is extremely im... (read more)

Author: Jen Barnum

20. Obtain the Right Medical Insurance For You
November 19, 2009

Texas has numerous great health care insurance programs to provides residents. Locating health care insurance in Texas is as easy as the click of your mouse. You can get on the Internet to look up programs and participating businesses that offer free proposals in just a matter of moments. Blue Cross Blue Shield and Health Plan One are just two of the numerous businesses that offer health care insurance in Texas. They work along side each other to make sure they provide the best and most accurate insurance proposals possible. Blue Cross Blue Shield is one the most used and most popular insuran... (read more)

Author: Health Insurance

21. Phila. to switch health plans for managers
November 19, 2009

In a move clearly directed at Philadelphia's four major municipal unions, Managing Director Camille Barnett announced yesterday the adoption of a health-care plan covering 6,900 workers next year that she said would save the city more than $6 million with no increase in contributions or "significant" reductions in benefits. Of those employees, 5,000 are department heads, their deputies, and other nonunionized employees from other departments such as row offices, City Council, and courts. The other 1,900 are union employees who have chosen the health care offered by the city. Critics... (read more)

Author: Health Insurance

22. Teague explains why he voted against health-care reform bill
November 19, 2009

U.S. Rep. Harry Teague, D-N.M., said Friday he was respecting the wishes of the majority of those in the 2nd congressional district when he voted against the health-care reform bill, which narrowly passed the House on Nov. 7. Teague was one of just 39 Democrats who voted against the bill, versus 219 members from his party who voted in favor. "Really, the only thing I was thinking about when we passed this was, I stopped and gave some thought to the people that I'd talked to in Lordsburg and Santa Rosa and Las Cruces," he said. Teague held town hall meetings throughout the distri... (read more)

Author: Health Insurance

23. Why Not to Buy Life Insurance Policy Directly Online
November 19, 2009

When you see the title of this article, you might think we are fighting against ourselves, as a company specializing in the online marketing of life and health insurance. Our website has thousands of visitors every day, a lot of of them approaching us with enquiries about possibilities of purchasing an insurance policy directly online. Whereas we have tinkered with and marinated on this idea, we think buying life insurance online is a disservice to our clients. We have gathered the following few reasons why it's not such a smart idea to buy a life insurance policy online: 1. Life ins... (read more)

Author: Lorne Marr

24. Health care bill's passage was most disappointing day of career
November 19, 2009

U.S. Rep. Adrian Smith says he's a "glass half-full" kind of guy. But as a $1.1 trillion health care reform plan passed the House of Representatives late Saturday night, he found it difficult to muster much optimism. "Saturday was probably, in my 15 years in public office, my most discouraging day," Smith said in an interview with The Independent's editorial board on Friday. "I didn't feel good about the direction of America, and that this huge bureaucratic monstrosity was likely to prevail that evening." Now, as the Senate considers its own version of the reform bill and the House ... (read more)

Author: Health Insurance

25. H1N1 Vaccine Offered at Sac Int'l Airport
November 19, 2009

Thursday brought confirmation that this has been the worst flu season in the United States in more than a decade. The root cause is simple: the H1N1 flu. The CenterS of Disease Control released new data, numbers that reflect the true breadth of the disease. Dr. Anne Schuchat said, "We estimate that 22 million have become ill from pandemic influenza." The new figures are about four times higher than previous death estimates. About 4000 have died from the swine flu, 540 of them, children. Nearly 100,000 people have been hospitalized with the virus. Locally, H1N1 vaccinations... (read more)

Author: Health Insurance

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