EINSURANCE.(com): EInsurance Journal Health Insurance Articles

Fast Facts About Insurance Policy Backdating

EINSURANCE Health Insurance — Mon, 14 May 2012 00:00:00 GMT

Backdating, by definition, is the practice of putting a calendar date on any document that is earlier than the date on which that document was actually written. In some instances, it’s perfectly legal. In other instances, it’s not. Let&rsqu...

Understand Your Health Care Bills and Save Money

EINSURANCE Health Insurance — Tue, 17 Apr 2012 00:00:00 GMT

One of the best ways we know to save money on health care (or anything else, for that matter) is to not pay for services you didn’t receive or pay more for a service than it’s worth. You don’t need to be a rocket
scientist, but y...

Things to Watch Out for When Buying Drugs Online

EINSURANCE Health Insurance — Tue, 03 Apr 2012 00:00:00 GMT

Do you buy drugs online? Great! It’s convenient and a great way to save money. Many health insurance policies encourage you to use their authorized online pharmacies or suppliers to fill your prescriptions.
Buying prescription and over-the-c...

How to Shop for Individual Health Insurance

EINSURANCE Health Insurance — Fri, 16 Mar 2012 00:00:00 GMT

If you get your health insurance through your employer, you may find recent news from the Congressional
Budget Office unsettling. CBO is now projecting that 20 million American workers will lose their employer-provided health insurance this year. ...

Insurance Tips for New Parents

EINSURANCE Health Insurance — Wed, 14 Mar 2012 00:00:00 GMT

Congratulations! Whether it’s a boy, a girl or just a plus sign on an EPT right now, having a baby is cause for celebration. It’s also a good time to give some thought to your insurance. We know, that’s not nearly as fun as picking ou...

What Does an Insurance Agent Do?

EINSURANCE Health Insurance — Wed, 08 Feb 2012 00:00:00 GMT

Shopping for insurance quotes and buying insurance online is so simple, you might wonder why you would ever need an insurance agent. After all, when you shop for insurance online, you can compare lots of policies quickly in your PJs at 2 a.m. We’...

Understanding Insurance Underwriting

EINSURANCE Health Insurance — Mon, 06 Feb 2012 00:00:00 GMT

Maybe you’ve heard the term underwriting, but what exactly is underwriting and what do insurance underwriters do? They’re a critical step in determining both your insurability and the premiums you pay if
a policy is issued. Here are th...

Check Your Health Insurance IQ

EINSURANCE Health Insurance — Tue, 31 Jan 2012 00:00:00 GMT

If you’re shopping for health insurance for individuals, ignorance is not bliss. The more you know, the more likely you’ll find affordable health care insurance that suits your needs and your budget. Test your knowledge of these common term...

Social Gaming Aims to Make Health Care Fun

EINSURANCE Health Insurance — Wed, 11 Jan 2012 00:00:00 GMT

Forget personal trainers, diet apps and support groups. When it comes to motivating healthy behaviors that promote wellness, there’s a new game in town, literally. Social gaming is the latest innovation in wellness
intervention. Businesses, ...

New Year, New Health Insurance Fee

EINSURANCE Health Insurance — Tue, 03 Jan 2012 00:00:00 GMT

A whole bunch of ObamaCare changes kick-in in this year. One of them is a little-known new fee the government is charging health insurers to fund research. The research will be carried out by the
Patient-Centered Outcomes Research Institute (PCORI...

What Happens When You Lie on an Insurance Application

EINSURANCE Health Insurance — Wed, 21 Dec 2011 00:00:00 GMT

Honesty is the best policy. Cheaters never prosper. It’s a sin to tell a lie. You’ve heard all the clichés but sometimes it takes knowing how easily you can be found out and the consequences of fibbing to hammer home the point. So, t...

Holiday Mall Shopping Safety Tips

EINSURANCE Health Insurance — Mon, 19 Dec 2011 00:00:00 GMT

With just a few days left till Christmas, the race is on to get the shopping done and millions of procrastinators will be packing the malls. While you see a winter wonderland, there’s plenty of danger, too. It comes in the form of thieves, pickpo...

New Rule Means Greater Health Care Transparency

EINSURANCE Health Insurance — Fri, 09 Dec 2011 00:00:00 GMT

Let’s say you need a medical procedure that requires a specialist. How do you find one? Most of us rely on a recommendation from our primary-care doctor, family member or friends and hope for the best. But what
if you had access to one of th...

How Health Insurers Determine Small Group Rates

EINSURANCE Health Insurance — Wed, 09 Nov 2011 00:00:00 GMT

Most of us (75% of all working Americans) still get our health insurance through our employers, and premiums are going up. In 2011, the average annual premium was $5,429 for individual coverage and $15,073 for a family. Those averages represent a respe...

Health Insurance Changes in 2012

EINSURANCE Health Insurance — Mon, 07 Nov 2011 00:00:00 GMT

Many provisions of the Affordable Care Act of 2010 (ACA, also popularly known as ObamaCare) are designed to be introduced incrementally. Here’s what you have to look forward to in 2012 if you have small business health coverage or individual heal...

Health Insurance and the Lifestyle Premium

EINSURANCE Health Insurance — Fri, 04 Nov 2011 00:00:00 GMT

Should smokers and the obese pay extra for health insurance? A lot of people say yes, according to a recent Thomson Reuters-NPR Health Poll. The telephone survey of more than 3,000 people, conducted this past September, found that 58.5% of respon...

Insurance Provides Economic Safety Nets

EINSURANCE Health Insurance — Mon, 31 Oct 2011 00:00:00 GMT

Think you’re going to have to work till you drop. You’re not alone. One in five American workers now believe they will never be able to retire. That’s among the bleak findings from an annual survey of 1,499 adults ages 18 to 66, repre...

Lack of Competition Impacts Health Insurance Costs

EINSURANCE Health Insurance — Wed, 26 Oct 2011 00:00:00 GMT

If you’re an individual or small business owner looking to control rising health insurance costs, lack of competition in your area may be hampering your quest, according to a new study from the American Medical Association. The AMA reports that f...

CLASS Long-Term Care Insurance and Adverse Selection

EINSURANCE Health Insurance — Thu, 20 Oct 2011 00:00:00 GMT

Last Friday, Health and Human Services Secretary Kathleen Sebelius announced the demise of a key component of the ObamaCare health care overhaul. The CLASS Act (short for Community Living Assistance Services and Support) was a form of long-term care in...

Who Qualifies for COBRA Health Coverage?

EINSURANCE Health Insurance — Mon, 10 Oct 2011 00:00:00 GMT

After the shock of losing your job wears off, the reality of being unemployed sets in. One of the most important decisions you have to face is what to do about health care insurance now that your employer is no longer providing it. If you’re like...

Group Health Insurance for One

EINSURANCE Health Insurance — Mon, 26 Sep 2011 00:00:00 GMT

Being your own boss is part of the American Dream. With our sustained high unemployment, setting up
a sole proprietorship is also a pretty good economic survival tactic. The latest census data estimates there are 15 to 20 million sole propri...

For Cheaper Health Care Always Check Your Bill

EINSURANCE Health Insurance — Tue, 20 Sep 2011 00:00:00 GMT

You’re a conscientious consumer. You balance your checking account and review your credit card statements every month. But how much attention do you pay to your doctor bills? The Medical Billing Advocates of America claim that 80% of all medical ...

Are You Insurance Worthy?

EINSURANCE Health Insurance — Mon, 29 Aug 2011 00:00:00 GMT

When you apply for a loan for a home, a car or a personal line of credit, the lender contacts a credit reporting agency to check your credit-worthiness. But did you know that the insurance industry has a similar
process to help them determine your...

Shopping for Health Insurance Gets Easier

EINSURANCE Health Insurance — Wed, 17 Aug 2011 00:00:00 GMT

According to a recent McKinsey Consumer Health Insights survey of 11,000 U.S. consumers under age 65, 72% of you are totally confused and overwhelmed trying to compare health insurance policies. But help may be on the way. The Department of Health and ...

Organize Your Insurance Policies and Your Life with Online File Storage

EINSURANCE Health Insurance — Mon, 20 Jun 2011 00:00:00 GMT

Spring was a little late in coming to many parts of the country this year. When it did show up, it often wreaked havoc. So if you haven’t done your spring cleaning yet, you get a pass and a second chance to
get organized. Start...

What You Can Do to Control Health Care Costs

EINSURANCE Health Insurance — Thu, 16 Jun 2011 00:00:00 GMT

Whether you’re covered by individual health care insurance or an employer-sponsored insurance plan, health insurance premiums are rising faster than wages or inflation. If you haven’t noticed the pinch yet, chances are you will. Perha...

Store and Access Insurance Policies in an Online Safe Deposit Box

EINSURANCE Health Insurance — Wed, 15 Jun 2011 00:00:00 GMT

Good for you! You applied for competitive health insurance quotes and car insurance quotes at www.einsurance.com. You secured a health insurance policy and auto insurance policy that fit your needs and budg...

How Is Your Health Insurance Dollar Spent?

EINSURANCE Health Insurance — Mon, 13 Jun 2011 00:00:00 GMT

U.S. Census data claims more money is spent per person on health care in the U.S. than in any other country in the world. Health care spending in the U.S. has grown steadily over the past three decades – slowing somewhat in the mid-1990s an...

Will Your Employer Drop Health Care Coverage?

EINSURANCE Health Insurance — Wed, 08 Jun 2011 00:00:00 GMT

Global management consulting firm McKinsey & Company released a sobering report today. After surveying over 1,300 employers of all sizes, they found that 30% of them are inclined to drop employer-provided health care coverage after 2014. That's whe...

The High Cost of Health Insurance Fraud

EINSURANCE Health Insurance — Wed, 13 Apr 2011 00:00:00 GMT

If you pay for health insurance, you’re painfully aware that costs have increased. What you might not realize is that fraud plays a big part in escalating health care costs, and the loss is passed along to you. According to the Nat...

“Alternative medicine therapies and their potential inclusion in your healthcare plan”

EINSURANCE Health Insurance — Tue, 12 Apr 2011 00:00:00 GMT

“Alternative medicine therapies and their potential inclusion in your healthcare plan”

Complementary and alternativ...

What’s the Difference Between Urgent Care and Walk-In Clinics?

EINSURANCE Health Insurance — Tue, 05 Apr 2011 00:00:00 GMT

A holiday, out-of-town vacation, weekend or the middle of the night is not the time to worry about whether your health care insurance company will pay for out-of-network providers. If you or a family member is seriously sick or injured and you can&rsqu...

When To Go Out of Network for Health Care

EINSURANCE Health Insurance — Tue, 05 Apr 2011 00:00:00 GMT

If you’re like the majority of Americans, your health care insurance is provided through a Preferred Provider Organization (PPO) or a Health Care Maintenance Organization (HMO). With a PPO, you probably have the option of using an out-of-ne...

The $50 Bottle of Aspirin: Your HSA, FSA & ObamaCare

EINSURANCE Health Insurance — Thu, 10 Mar 2011 00:00:00 GMT

Over 33 million Americans have Flexible Spending Accounts (FSAs) that allow them to make pay-roll contributions in tax-free dollars that can be used toward out-of-pocket medical expenses. Another 10 million Americans have Health Savings Accounts (HSAs)...

Beware of Cheap Health Insurance Scams

EINSURANCE Health Insurance — Fri, 04 Mar 2011 00:00:00 GMT

How low can you go? In the wake of rising health care costs, high unemployment and general economic uncertainty, many people looking for affordable health insurance quotes are being preyed on by unscrupulous scam artists. These crooks offer cheap healt...

What’s an Essential Health Care Benefit? Nobody’s Quite Sure Yet.

EINSURANCE Health Insurance — Wed, 02 Mar 2011 00:00:00 GMT

A whole bunch of new rules and regulations are set to kick in 2014 under the Affordable Care Act (better known as ObamaCare). One of the most nettlesome for those in the health insurance industry – and of great importance to you if you purchase s...

How to File a Complaint About an Insurance Company

EINSURANCE Health Insurance — Tue, 01 Mar 2011 00:00:00 GMT

In a perfect world, all insurance claims would be handled promptly and to your complete satisfaction. Then again, in a perfect world, you wouldn’t need insurance. Alas, perfection continues to elude us and our insurance carriers. The National Ass...

Are Insurance Benefits Taxable?

EINSURANCE Health Insurance — Mon, 14 Feb 2011 00:00:00 GMT

Tick. Tick. Tick. April 15 is coming. About 1% of the population is audited every year, but in an effort to bolster revenues, the IRS is reportedly ramping up their scrutiny. One of the red flags is unreported income. Is the inheritance you got from yo...

Are Insurance Settlements Taxable Income?

EINSURANCE Health Insurance — Mon, 14 Feb 2011 00:00:00 GMT

Uncle Sam wants you to declare every single penny of taxable income. Failure to do so may result in an audit (which makes root canal without anesthesiology seem like a picnic) and hefty fines. But what exactly is taxable income? The courts have defined...

EINSURANCE Health Insurance — Thu, 03 Feb 2011 00:00:00 GMT

The Kaiser Family foundation estimated that the average annual cost of a family premium for employer-sponsored health insurance increased 114% between 2000 and 2010. Faced with rising costs, employers are scrambling to find ways to save money while sti...

What to Ask When Shopping for Dental Insurance Quotes

EINSURANCE Health Insurance — Tue, 01 Feb 2011 00:00:00 GMT

Are you afraid of the dentist? About 30% of the population are. But taking good care of your teeth and gums is an important part of your overall health. Poor oral hygiene can lead to bone loss and even heart disease. If it’s been a while since yo...

New Health Insurance Policies Must Provide Free Preventive Care

EINSURANCE Health Insurance — Thu, 27 Jan 2011 00:00:00 GMT

We Americans are getting healthier but we can do a lot more. That’s the consensus of the 2010 America’s Health Rankings®, an annual, state-by-state assessment of the nation’s health published by United Health Foundation, ...

How to Maximize Your Insurance Tax Deductions for 2010

EINSURANCE Health Insurance — Mon, 24 Jan 2011 00:00:00 GMT

The tax man cometh and he’s headed for your wallet. Itemize your tax return and take full advantage of all legitimate income tax deductions that you’re entitled to in 2010, including insurance deductions. Deductions help lower your gross ta...

Got Cheap Health Insurance but Can’t Find a Doctor?

EINSURANCE Health Insurance — Wed, 19 Jan 2011 00:00:00 GMT

While we in the trenches wait for the courts and Congress to sort out the new health care reform laws, a much bigger crisis is leaning toward a tipping point. Having health insurance of any kind may not ensure that you can get health care – at le...

State Insurance Regulators and Your Health Insurance Premiums

EINSURANCE Health Insurance — Fri, 14 Jan 2011 00:00:00 GMT

While appearing on a radio show last June, Ralph Hudgens, a candidate for Georgia insurance commissioner, thought the mic was dead when he said, “The insurance commissioner can’t do squat about health care.” (Hudgens won, although whe...

Medigap Insurance Coverage Basics

EINSURANCE Health Insurance — Wed, 17 Nov 2010 00:00:00 GMT

If you’re 65 or getting there (or under 65 with certain qualifying conditions), you are eligible for Medicare health insurance. Prepare yourself for an alphabet soup of decisions, including whether or not to supplement Medicare with a Medigap ins...

Long-Term Disability Insurance: Essential Coverage for Singles

EINSURANCE Health Insurance — Tue, 16 Nov 2010 00:00:00 GMT

About 48% of all adult Americans are legally single. If you’re one of them, whether by choice, divorce or because you still haven’t found Ms. or Mr. Right, not having a date for special events is the least of your concerns. Along with gainf...

Shop for Individual Health Insurance Quotes.

EINSURANCE Health Insurance — Mon, 15 Nov 2010 00:00:00 GMT

Even if health care reform passes, under its current 2,000+ page iteration it won’t take affect for several years. In the meantime, you still have choices and December and January are the right time to review your personal situation and make a...

Children's Health Insurance: An Open Letter To The Governor Of Texas

EINSURANCE Health Insurance — Fri, 12 Nov 2010 00:00:00 GMT

Lisa Laudermilk is a homemaker, part-time preschool teacher, and the mother of four sons. Concerned with the skyrocketing costs of medical services and health insurance, as well as unfair policies and recent budget cuts within the Children's Health...

Health Care Insurance Update: What Will and Won’t Be Eligible for FSA Reimbursement in 2011

EINSURANCE Health Insurance — Fri, 12 Nov 2010 00:00:00 GMT

If your employer still offer health care...

A New Year Wish for 2010 - Health Insurance

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

Starting 2010 with health insurance is a great way to start the New Year off on the right foot. Life is unpredictable and even those of us that are generally very healthy can suddenly need to cop...

Fulfill Your New Year’s Resolutions for 2009 – Review Your Health Policy Offered By Your Employer

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

It’s that time of year again – you’re starting to think about making some resolutions for the coming of the New Year. Most of us think about resolutions regarding getting in shape and losing weight after the holidays. T...

Hurry – 2010 is Almost Here! Max Out Your Health Benefits before Year End.

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

It’s hard to believe, but 2009 is quickly drawing to a close. With only a few weeks left, make sure that you get the most out of your health benefits before year end. Chances are you have already satisfied your

Making More Informed Choices for the New Year - Consider Your Auto, Home, Health and Life Insurance

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

You have insurance, so you're all set if something were to go wrong, right? Well, maybe not. Just because you have insurance, does not mean that you have the kinds of coverage that you need or high enough limits to adequately protect you...

New Year’s Resolutions for 2010 – Search Online for Cheap Health Insurance Quotes

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

Not all of us have health insurance through our employers. Many of us are self-employed or work part-time and do not qualify for benefits through employment. A great New Year’s resolution, in addition to the goal of hitting the gym...

Review Your Arizona Health Care Insurance for 2010

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

Add reviewing your Arizona health care insurance policy to your end-of-the-year/new-year to-do list. In these tough economic times, it could help you save some money, or at least result in improved coverage. Consumer advocates are working on y...

Review Your California Health Care Insurance for 2010

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

Add reviewing your California health care insurance policy to your December to-do list. In these tough economic times, it could help you save some money, or at least result in improved coverage. Consumer advocates are working on your behalf and a nu...

Review Your Texas Health Care Insurance for 2010

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

Add reviewing your Texas health care insurance policy to your December or January to-do list. In these tough economic times, it could help you save some money, or at least result in improved coverage. Lawmakers and consumer advocates are working on ...

Winter Home & Health Hazards: Carbon Monoxide. Reduce Your Homeowners Insurance with a Safer Home

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

Protecting your loved ones is critical during the holidays. Carbon monoxide (CO) kills over 2,000 people every year in the U.S. and another 8,000 to 15,000 people are treated for non-fire-related CO poisoning annually, according US Consumer Product ...

Winter Home & Health Hazards: Mold. Lessen the Impact on Your Homeowners Insurance Quotes

EINSURANCE Health Insurance — Thu, 11 Nov 2010 00:00:00 GMT

Winter brings lots of pleasant things. Mold is not one of them. In addition to being unattractive, mold growth can be hazardous to your health, destructive to your home and may even result in higher

What Does Maternity Insurance Cost and Do You Need It?

EINSURANCE Health Insurance — Tue, 09 Nov 2010 00:00:00 GMT

What Does Maternity Insurance Cost and Do You Need It? Planning on having a baby? From an insurance standpoint, you’d better plan at least a year in advance because many group and most individual health ins...

How To Use Your Dental Insurance Benefits By Year-End. And Why You Should.

EINSURANCE Health Insurance — Sun, 07 Nov 2010 00:00:00 GMT

If, like the majority of dental insurance plans, yours is on a calendar year, better get cracking. You have just a few days left to max out your benefits. Anything you’ve left on the table will disappear on January 1. Your annual deductible will ...

Are You Going to Lose Your Employer-Provided Health Insurance Coverage?

EINSURANCE Health Insurance — Thu, 28 Oct 2010 00:00:00 GMT

Many Americans who buy their own health ...

Health Care Reform Update: What’s Been Enacted So Far?

EINSURANCE Health Insurance — Fri, 22 Oct 2010 00:00:00 GMT

How to Buy Long Term Care Insurance and Why You Should

EINSURANCE Health Insurance — Thu, 21 Oct 2010 00:00:00 GMT