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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 272 Articles matching 'Health insurance' in related articles.
Pages: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | Next >>

1. Why You Really Need An Eye Vision Care Insurance Plan?
November 06, 2009

Generally speaking, Eye Vision Care Insurance is supplementary to regular health insurance. Most health insurances that are available today are tailored to cover almost everything with regards general health. However, there may be limitations. Having vision service plan can address those limitations. Accurate vision is essential to having good quality of life. It is valuable to our daily living. Caring for our eyes, therefore, is a necessity. But, getting good eye care and treatment can be very costly. Nevertheless, having vision insurance plans protects you from the risks of eye deterior... (read more)

Author: Rudy Silva

2. Levine pitches plan to patch shortfall
November 06, 2009

Louisiana?s health chief proposed Tuesday using one-time money to fill three-fourths of a $308 million projected shortfall in the state?s $6.5 billion Medicaid program. State Department of Health and Hospitals Secretary Alan Levine called the plan ?a balanced approach? that will ? for now ? shield private health-care providers from another round of cuts. Gov. Bobby Jindal and some legislative leaders have opposed use of one-time funding for recurring state expenditures. Medicaid is the government?s health insurance program for the poor, providing coverage for 1.2 million of Loui... (read more)

Author: Health Insurance

3. County continues to wrestle with money problem
November 06, 2009

Sequoyah County Commissioners had to continue dealing with a budget shortfall at their meeting Monday, due in part to the lag in collecting a new half-cent sales tax for the county sheriff and jail operations. Bruce Tabor, District 1 commissioner, said it was hoped sales tax collection, approved by voters Oct. 13, would begin in November and the tax returned to the county by January. But the Oklahoma Tax Commission informed the county that the tax collection will not begin until January, and the tax returned to the county three months later, in March or even as late ... (read more)

Author: Health Insurance

4. Medicaid faces shortfall of $308 million
November 06, 2009

The state health agency is projecting a $308 million shortfall in Medicaid funding, the government health insurance program for the poor, state Department of Health and Hospitals Secretary Alan Levine said Monday. Levine goes before the Joint Legislative Committee on the Budget today to outline the problem and how health officials propose to bring the current fiscal year spending back in line. The agency plans to dip into some federal stimulus dollars set aside in a reserve account and use some other one-time money to close some of the hole. Private physicians, hospitals, pha... (read more)

Author: Health Insurance

5. The Tax Incentive
November 06, 2009

There are so many variables that enter into the equation of being self-employed in today’s world. Living and working the state of New York is no exception. The competition between business vendors is fast and furious with no end in sight. How does the entrepreneur survive in such a jungle? All individuals working as independent entrepreneurs have an outside building they work in. The majority utilize their homes when they own a home and other entrepreneurs redesign their garage space, turning it into a legitimate full time office. However, health insurance weighs heavily on their minds. The bu... (read more)

Author: bonita dumaplin

6. Belen school-based health center making a difference
November 06, 2009

Belen High School students and staff are getting an added boost during this year's cold and flu season with the school-based health center located just a few steps away. The center, which has been operational since the 2005-06 school year, is open during school hours, and offers students and staff members sick and wellness exams to help keep them healthy, especially during the winter months. Family nurse practitioner Therese Hidalgo treats patients with sore throats and ear infections to those who have more chronic symptoms. Hidalgo can prescribe medicine on site, such as antibiot... (read more)

Author: Health Insurance

7. NM agency warns of health care services cuts
November 06, 2009

Health care services for the needy may be sharply reduced if New Mexico Gov. Bill Richardson signs a budget-cutting measure approved by the Legislature, the administration said Tuesday. Lawmakers ordered spending cuts of 7.6 percent for agencies under the governor's control as part of a plan to help plug a $650 million revenue shortfall. The cuts were approved during a special legislative session that ended last week. The Human Services Department said its budget cuts could mean a loss of almost $38 million in state money and $115 million in federal dollars that match state spending.... (read more)

Author: Health Insurance

8. N.M. Legislative leaders lukewarm on health care opt-out
November 06, 2009

U.S. Sen. Majority Leader Harry Reid said Monday health care reform legislation scheduled for the U.S. Senate floor in coming weeks would contain a public health care option with an opt-out clause for states. How states opt in or out ? whether by the Legislature or the governor, or some kind of combination of the two ? remains unclear. But what seemed clear Tuesday is that a public health care option wouldn?t be a slam dunk in New Mexico if the decision fell to state lawmakers. ?I?m not a fan of public option. If you look at our public programs, they tend to cover fewer... (read more)

Author: Health Insurance

9. Buy Medical Policy Online And Avail Best Discounts
November 06, 2009

Securing health is not enough these days, but maintaining it throughout is very important. One might keep fit with gymnastics and other exercise regimes; however, one cannot resist accidents, hereditary diseases or other critical illnesses. Hence, insuring one’s health is getting vital with every progressing day. We know that every disease has a cure but it is only the huge medical costs which make these cures out of reach for most of the people. This is where a critical illness cover helps. However, it is not as easy as it may sound. Sky-rocketing Medical Insurance rates too have made it toug... (read more)

Author: Mayur Sharma

10. Find Health Insurance To Lower Your Burden
November 05, 2009

In order to find health insurance plans that can reduce your burden, it is important to go for a planned approach. For many people, it looks very difficult to find health insurance plans that can be termed as best in lowering their burdens. But what is the reason behind that? There are many answers to this question but the most genuine answer is that they don’t have any planned approach to select the right health insurance plan. As there are infinite numbers of health insurance options available over the Internet, it looks difficult for many people to find the most appropriate ... (read more)

Author: Alan Lim

11. Read And Understand Your Affordable Individual Health Insurance Policy Completely
November 05, 2009

It is necessary to understand clearly the terms and conditions of various affordable individual health insurance policies before finalising one. When you sit down with an insurance agent or surf on the Internet for the most affordable individual health insurance policy, there are certain important things that you should look for in the policy. They are as stated below. • The insurance company should give a written guarantee that they will renew the policy every year. At certain times, the insurance company cancels the policy when the insured person is prone to falling ill. So,... (read more)

Author: Alan Lim

12. NM DOH weekly H1N1 update
November 06, 2009

The number of New Mexicans seeking health care remains high for this time of the year although the percentage of people displaying flu symptoms has dropped, according to the New Mexico Department of Health, which also reported five deaths from H1N1 over the past week. New Mexico Department of Health H1N1 Weekly Update: Oct. 28, 2009 Influenza-Like Illness Visits to healthcare providers for influenza-like illness dropped significantly this week to approximately 11 percent from approximately 20 percent last week. Even with the significant drop, visits to healthcare providers ar... (read more)

Author: Health Insurance

13. Thousands of Medicare Advantage plans to be discontinued in Iowa
November 06, 2009

Nearly 1,000 people in Scott County are being told their Medicare Advantage plans are not renewing, leaving them with a choice of finding another provider or going back to traditional Medicare. This is the first year that a significant number of the plans are not renewing, said Kris Gross, director of the state's Senior Health Insurance Information Program. The program, a unit of the state insurance division, is sponsoring two meetings today and another on Friday to talk to senior citizens about their options. The vast majority of people on Medicare aren't affected by the... (read more)

Author: Health Insurance

14. In Iowa, Second Thoughts on Obama
November 06, 2009

Pauline McAreavy voted for President Obama. From the moment she first saw him two years ago, she was smitten by his speeches and sold on his promise of change. She switched parties to support him in the Iowa caucuses, donated money and opened her home to a pair of young campaign workers. But by the time she received a fund-raising letter last month from the Democratic National Committee, a sense of disappointment had set in. She returned the solicitation with a handwritten note, saying, ?Until I see some progress and he lives up to his promises in Iowa, we will not give one penny.? ... (read more)

Author: Health Insurance

15. Anthem Blue Cross and Blue Shield in Missouri Earns NCQA Accreditation Status of Excellent
November 05, 2009

Anthem Blue Cross and Blue Shield announced today that its Missouri plan has maintained the accreditation status of Excellent from the National Committee for Quality Assurance (NCQA). NCQA is an independent, not-for-profit organization dedicated to assessing and reporting on the quality of managed care plans, managed behavioral healthcare organizations, preferred provider organizations, new health plans, physician organizations, credentials verification organizations, disease management programs and other health-related programs Anthem's Accreditation status -- the highest possible level -... (read more)

Author: Health Insurance

16. Teachers want retirement fund debt paid off
November 05, 2009

The state has been writing IOUs to the teachers? pension fund for the past six years to cover retirees? health insurance costs, and officials are increasingly worried that it won?t ever be able to pay up. So the Kentucky Teachers? Retirement System has launched a push to get the state to pay off its $521 million debt to the roughly $15 billion system and find a sustainable way to pay for retired teachers? health insurance in the future. ?I?m suggesting that we put a plan in place this session ? and it?s one that can be stuck to,? KTRS Executive Director Gary Harbin said. ?As soon ... (read more)

Author: Health Insurance

17. Mo. Gov. Nixon cuts $200M from budget; eliminates nearly 700 state employee positions
November 05, 2009

Gov. Jay Nixon cut an additional $204 million from Missouri?s budget Wednesday and eliminated nearly 700 jobs in attempt to offset a continued decline in state tax revenues. The wide-ranging cuts will reduce busing aid to public schools, Medicaid payments to some health care providers and subsidies to the arts and humanities. Grants for life sciences research will be eliminated, funding for the state?s online school will be halted during the second semester, and no new clients will be accepted for certain mental health care services. ?These restrictions have become necessary due to... (read more)

Author: Health Insurance

18. The Alternative of Health Savings
November 05, 2009

More and more people now have the opportunity to choose Health Savings Accounts (HSAs) over other, more traditional, health insurance coverage - more companies and financial institutions offer this option than ever before. For the healthcare consumer, this is good news. When the community as a whole is given more choice when it comes to healthcare options, everyone benefits. HSAs let you decide how to manage your own medical needs and work out a financial plan that works best for your specific circumstances. An added advantage of Health Savings Accounts is the prospect of lowering the nat... (read more)

Author: Dillon Norris

19. KCHIP successes
November 05, 2009

Last year, when Gov. Steve Beshear announced his plan to provide health insurance to more of Kentucky's uninsured children, he wrote, ?... If we are serious about being a state that truly cares for children and families, this measure is a moral imperative. ... Children's health status impacts their academic achievement long term ? We believe we will see long-term savings on treatment of adult chronic conditions and emergency room treatment of uninsured children. ? Supporting children's health is vital to supporting Kentucky's future.?In closing, he pledged ?courage and commitment to act now? ... (read more)

Author: Health Insurance

20. State makes headway on enrolling children in Medicaid insurance programs
November 05, 2009

Kentucky isn?t usually out in front on health issues. But Gov. Steve Beshear said one effort by his administration to improve Kentucky residents? health is ahead of the game. Beshear went to Second Street Elementary School in Frankfort on Monday morning to announce the state has enrolled 32,000 qualifying children in the state?s K-CHIP and Medicaid programs for health insurance since last October. Last fall, Beshear set as a goal the enrollment of 35,000 children by June 2010 and he said Monday the state is likely to meet the goal by the end of 2009. The Kentucky Children?s Insuranc... (read more)

Author: Health Insurance

21. Pike opens 24/7 flu clinic, first in state
November 05, 2009

Those feeling flu-y in Eastern Kentucky now have a 24/7 clinic all their own, one of the first of its kind in the state. To alleviate flu traffic in the emergency room, Pikeville Medical Center opened a regional flu clinic Monday. Doctors had seen dozens of patients by the close of business. The clinic offers complete testing, X-ray and lab services. Patricia Harrison of Cowpen in Pike County took daughter Candace, 10, to their family doctor when Candace first got sick about a month ago. She didn't have the flu then, but her aches, pains and cough have lingered. So an after-h... (read more)

Author: Health Insurance

22. Health Savings Account Financing Benefits Tax Advantage
November 05, 2009

A Health Savings Account (HSA) is a tax-advantaged savings account designed to give you more control over your healthcare expenses while saving you money. HSA?s are typically used in conjunction with high deductible health plans (HDHP), health insurance plans that require you to pay for a significant amount of medical expenses out-of-pocket before your insurance company will cover anything, but charges you low premiums in exchange for setting a high deductible. The money in your HSA is meant to be used to pay for qualified medical expenses that go toward meeting your deductible. Once you meet ... (read more)

Author: Health Insurance

23. H1N1 vaccination sessions at capacity
November 05, 2009

As the supply for the H1N1, or swine flu, vaccine trickles in slower than expected, officials in Marion and Polk counties are scrambling to keep up with demand Marion County Health Department began offering appointments Thursday for residents without health insurance to get the H1N1 vaccine. In less than a day, those appointments were filled. In Polk County, health officials ran out of vaccine after distributing 1,085 doses during a community clinic hosted at the Polk County Fairgrounds in Rickreall on Wednesday. About 250 people were turned away. "Because we were one of the fi... (read more)

Author: Health Insurance

24. Make General Insurance your guardian
November 05, 2009

Insurance is a vital hedging tool for the common man through which an individual can safeguard their future and inculcate a sense of safety and security in their lives which can be sustained for the years to come. Insurance is a wonderful financial instrument through which a person can create back-up plans in case of any unexpected happenings in their lives which may be due to the fault of the insured or otherwise. Insurance is a perfect fall back option for an individual who has only himself to depend on in case they get embroiled in any sort of trouble which could be of a financial nat... (read more)

Author: Kamlesh paisawaisa

25. HIPAA (Health Insurance Portability and Accountability Act of 1996)
November 05, 2009

What is HIPAA? The Health Insurance Portability and Accountability Act of 1996 (Public Law 104-191), also known as HIPAA, was enacted as a Congressional attempt to reform healthcare. The purpose of the Act is to: Improve portability and continuity of health insurance coverage in the group and individual markets; To combat waste, fraud, and abuse in health insurance and health care delivery; To promote the use of medical savings accounts; To improve access to long-term care services and coverage; To simplify the administration of health insurance; and Other purposes. Title... (read more)

Author: Swapna Manikssys

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