If you are about to graduate from college and need to purchase your own health insurance you have many options. Young, healthy men and women often seek a low monthly payment to the insurance company (premium) and safe guards against major financial loss from a serious illness. Here are [...]
If you have a family and want health insurance coverage here is some helpful advice: Examine the cost of medical insurance coverage for each member of the family separately - as well as combined as a family. For example, young children can often enroll in their own individual health [...]
The latest trend in individual health insurance in California is to offer "individual only" policies. This means that only one person is covered by the policy. Examples of these new policies are: Blue Cross Right Plan 40 PPO, Tonik Calculated Risk-Taker Plan, and Blue Shield Active Start plans. This [...]
As the monthly cost of medical insurance rises people search for ways to keep spend less. Health insurance is priced so that you can either: 1) spend more on a monthly basis and less when you receive treatment; or, 2) spend less on monthly premium and more when you receive [...]
Criticizing the US health care system because we spend a lot, die sooner and have poor health is like criticizing the fire department in Malibu, California where they spend a lot for fire fighting services yet have a huge number of fires. They are confusing the cause with the [...]
A panel of experts at the Milken Institute Global Conference 2006 described the poor health of many Americans, in a discussion entitled "Nutrition and Health - Separating Fact from Fiction." A Los Angeles pediatrian reported that children are now contracting adult diseases (such as adult onset diabetes) because they are [...]
If you want to lowest premium Health Savings Account (HSA) compatible medical insurance plan available in California take a look at Pacificare - UnitedHealthcare's Signature Options 100/50 $5,000-$10,000 (HDHP.) This plan has a very low monthly premium - but it also has a $5,000 deductible and out of pocket [...]
HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) represent different health insurance plan structures. HMO vs. PPO An HMO requires members to select a primary care physician (PCP) who coordinates all aspects of care, including referrals to specialists. Members can change their PCP with prior notice, [...]
Today shares of Aetna dropped 20% in the stock market. Shares of other insurance companies were also lower today and have been falling during the past month. Specifically, Wellpoint (parent company of Blue Cross of California), UnitedHealth (Parent of Pacificare of California), and HealthNet have all been losing value on [...]
Aetna Health Plan of California recently announced that they will change the benefits on their 2100 deductible High Deductible Health Savings Account compatible health insurance plan. Currently this plan generally pays 100 percent of medical expenses after the $2,100 deductible has been met. Effective April 1, 2006 this plan will [...]