17 Jul 2018

How To Buy Health Insurance Without A Job

How To Buy Health Insurance Without A Job

A common question we often hear is “can I buy health insurance without a job?” And the answer is yes, if you have the sufficient funds to make the monthly payments, an insurance company will provide coverage.

But there are a few alternatives if you don’t have enough money. So today we’re going to look at all the other options.

COBRA

If you’ve recently lost your job, you can apply for COBRA coverage. The acronym stands for the Consolidated Omnibus Budget Reconciliation Act, and Congress enacted it in 1986. This program aims to extend your employer health insurance for up to 18 months after you’ve left the company.

So you can virtually enjoy your regular benefits for a considerable amount of time after you’ve left your position. One unfortunate downside though is that it’s rather expensive because you’ll have to pay the full premium. For more information, you can always check out our page on COBRA health insurance.

Medicaid

A small percentage of Americans live below the poverty level and can’t afford to buy a health insurance plan. In this case, they can rely on Medicaid, a federal program that’s administered by each state. For example, eligibility in California will differ compared to Alabama, so check your state-based page here on HealthQuoteInfo.com.

Short-Term Plans

If you’ve missed the Open Enrollment Period, you can always purchase a short-term health insurance plan. These policies can provide varying degrees of coverage, ranging from a few weeks to 11 months. Although it’s important to understand that short-term insurance plans don’t adhere to the Affordable Care Act. Therefore they won’t cover your pre-existing medical conditions.

Individual Health Insurance

If you’re not interested in purchasing a health insurance plan through the Affordable Care Act, you can always explore private individual or family plans. You do not have to wait for the Open Enrollment Period, and you can phone an insurance broker and start discussing different options.

We understand that health insurance is a complicated subject, so if you have any questions or concerns, give us a call at 1-855-614-5057 or visit HealthQuoteInfo.com.

03 Jul 2018

Breaking: Amazon’s New Acquisition Set To Disrupt The Healthcare System

Breaking: Amazon’s New Acquisition Set To Disrupt The Healthcare System

Amazon sent shockwaves across the healthcare sector, as the American giant announced it was purchasing PillPack – an emerging medical service company. The news caused both Walgreens and CVS Health’s stocks to drop by nearly eight percent this week, leaving many experts to wonder if Amazon will continue its foray into this $3 trillion sector.

What Is PillPack?

This is a relatively new company that essentially runs like a 21st-century pharmacy. All of your medication is delivered to your doorstep, and everything is pre-packaged according to the dosage.

It’s a simplified way of taking your medicine. There’s even an app that works in tandem with PillPack’s services, proving that the days of visiting your local pharmacy are over. Investors quickly jumped onboard, as the company has received millions of dollars worth of funding over the last two years.

How Will This Acquisition Affect You?

Although the news seems to be affecting Wall Street, the average consumer won’t experience any change for quite some time. Healthcare in this country is a contentious debate, and it’s hard to initiate change or disrupt a market that is so rigid.

This isn’t the first time Amazon has entered this space before. Earlier in the year, Amazon CEO Jeff Bezos announced his company was collaborating with JP Morgan and Berkshire Hathaway to provide private healthcare to nearly 1.9 million employees in the country. This would allow for employees to bypass the public healthcare system and could impact Obamacare enrollment figures in the future. Although, the news was tentative and we still don’t have a lot of details.

Have Other Companies Done This?

In 2008, Google successfully launched something called Google Health, which allowed customers to willingly submit their medical records so it could be accessed when going to the doctor’s office or the hospital. While this concept was in the preliminary stages, it never really took off, and it was officially dissolved in 2011.

Since then, the tech giant has announced it’s going to use AI (otherwise known as artificial intelligence) in the healthcare industry. What does that mean exactly? Well, we’re not entirely sure, but we should expect further news done the line.

This story about Amazon is significant because it ushers in a new era when big companies are going to start disrupting and entering the healthcare market in new ways that we haven’t seen before. So keep your eyes peeled and remember that change is indeed coming.

27 Jun 2018

Does Health Insurance Cover Marriage Counseling?

Does Health Insurance Cover Marriage Counseling?

Every couple experiences a rough patch at some point in their relationship, and there’s no shame admitting you sometimes need some help. Our emotions are often ruled by rage, jealousy, and greed, so it’s a great idea to seek out the guidance of a professional. So today, we’re going to discuss whether your health insurance covers marriage counseling.

What Is Marriage Counseling?

Before we dive into the specifics, you’re probably wondering what marriage counseling is in the first place? Well, it’s a type of therapy that involves couples visiting a professional psychologist. You’re going to be asked to explore underlying emotions, so mentally prepare yourself beforehand. The first session will usually be explorative, so expect to go into more detail in the second or third appointment. 

How Long Does Marriage Counseling Last?

This answer varies, and it’s really up to your psychologist. Some couples need months of counseling to work through problems and regain a sense of trust. On the other end of the spectrum, some partners need a few sessions, and they’re good to go! So it’s a case by case basis, and don’t expect all your problems to disappear after the first session.

How Much Does It Cost? 

This answer also depends on your psychologist. A seasoned professional can charge upwards of $150 per session, while others cost around $75 per hour. We always recommend clients to do a bit of research beforehand, so use a third-party app like Psychology Today to see if your counselor is registered. It’s also crucial to check where they’ve completed their education, as there are a few bogus graduate programs out there.

Does My Insurance Cover It? 

The answer is typically no. Most health insurance programs in the US cover psychotherapy but only as a treatment option for an illness. Therefore, unless you’re suffering from depression or anxiety, you won’t be able to claim it under your insurance.

Although, you should double check with your insurance. Before making an appointment, call the toll-free number and check with an agent. If your insurance does provide psychological services, clarify your coverage. For example, some providers only cover up to 80% with an annual maximum amount of $500.

How Will It Impact My Marriage? 

Couples therapy can have a profound impact on a relationship. It can shed light on issues that you both couldn’t discuss beforehand and improve communication over time. In many situations, counseling has even saved marriages from the brink of divorce. So if you’re thinking about booking an appointment, verify whether your insurance provides coverage!

For more information about health insurance, you can always rely on HealthQuoteInfo. Phone one of our professional agents today at 1-855-614-5057

04 Jun 2018

Does Health Insurance Cover Lasik?

Does Health Insurance Cover Lasik?

For those suffering from vision problems, Lasik – otherwise known as laser eye surgery – can be a godsend. The innovative technique has been pioneered over the last 20 years, and more Americans are opting for this procedure instead of wearing eyeglasses.

But is Lasik covered under health insurance plans? We’re going to explore this topic and talk a bit about this ocular surgery.

What is Lasik?

Lasik is a type of eye surgery that aims to reverse vision problems that include farsightedness, nearsightedness, and types of astigmatisms. It’s a non-invasive procedure that involves an ophthalmologist using a laser to reshape the cornea to improve vision. It takes only 15 minutes for the doctor to treat both eyes and then you’re finished.

Patients are conscious the entire time and are given medicated drops that act as an anesthetic, so there’s no pain involved.

Is It Covered By Insurance?

The answer is typically no, as Lasik eye surgery is classified as an elective procedure. Nevertheless, some insurances may cover the operation if your employer requires you to have perfect vision. There have been several documented cases where airlines will pay for their pilots to get the procedure to ensure they have 20/20 vision.

Some insurance carriers also have negotiated rates for their customers for Lasik, so you should always give your provider a call to inquire about this information. This means you could get laser eye surgery done at a cheaper cost, even though you’ll have to pay out-of-pocket.

Recovery Time

Many patients (especially those with higher prescriptions) tend to see immediate vision improvements following the surgery. Those with lower prescriptions usually see a difference in their eyesight eight hours after leaving the doctor’s office. Most individuals can return to work the following day but expect a bit of sensitivity and discomfort for about a week. The doctor will also prescribe various drops, and it might take about three months for your eyes to heal completely.

How Much Does It Cost?

According to their website, the average cost of Lasik is $4,500. There are several different payment options available as well, meaning you don’t have to pay this amount upfront. You can check out their cost calculator and select a payment plan that suits your needs.

If you’re thinking about getting laser eye surgery and have outstanding questions, you can always call HealthQuoteInfo. Our agents can clarify any concerns and guide provide the latest information surrounding the topic of health insurance. Give us a call today at 1-855-614-5057.

31 May 2018

Does Health Insurance Cover Dermatologist Visits?

Does Health Insurance Cover Dermatologist Visits?

Did you know that skin is the largest organ in the human body? So it’s only normal that most Americans visit the dermatologist for one reason or another. But most individuals are wondering whether their visit is covered under their health insurance plan, so today we’re breaking down the basics.

Do I Have To See A Dermatologist?

Before booking an appointment, ask yourself it’s necessary to see the dermatologist. Check with your family doctor first, who can provide a preliminary evaluation and provide a referral to the dermatologist. In some cases, a GP can treat mild dermatological issues like rashes or acne. The most of the 

What Can A Dermatologist Treat?

A dermatologist can treat a range of serious issues which include the following:

  • Skin cancer
  • Severe acne
  • Eczema
  • Warts
  • Allergies
  • Shingles
  • Psoriasis
  • Rashes
  • Infections 

Is It Covered By Your Health Insurance?

This depends entirely on your plan. Most plans will cover the medical issues mentioned above, however, you typically have to pay a deductible. We always recommend clients read the fine print of their health insurance policy to understand the scope of their coverage. If you want to change your coverage, you’ll have to wait until the Open Enrollment Period, which typically occurs in the month of November. 

What’s Not Covered?

Most insurance programs do not cover elective treatments like facials, botox, fillers, lasers, chemical peels, or any form of microdermabrasion. So if you’re looking to rejuvenate your appearance with the help of the dermatologist, you’re going to have to pay out-of-pocket. Of course, there are a few exceptions but it’s best to clear it with your insurance company before scheduling a costly procedure.

If you’re thinking about purchasing a health insurance plan, we can help compare different plans across multiple platforms. Give one of our agents a call at 855-614-5057 or visit HealthQuoteInfo.com.

03 May 2018

Does Health Insurance Cover Abortions?

Does Health Insurance Cover Abortions?

 

Abortion is a contentious issue in this country, as many Americans view this procedure as murder or infanticide. In fact, the state of Iowa just passed one of the strictest anti-abortion laws in the western world. Under this new rule, doctors cannot perform an abortion on a woman that’s more than six weeks pregnant.

Furthermore, some women have to pay out-of-pocket for this procedure. So today, we’re going to explore whether abortion is covered under your health insurance plan.

Health Insurance

Are you wondering whether your health insurance covers the cost of an abortion? Well, it entirely depends on where you live. According to the Guttmacher Institute, 43 states currently prohibit abortions unless it’s medically necessary, while “45 states allow individual health care providers to refuse to participate in an abortion.”

We always recommend checking the SBC, otherwise known as the Summary of Benefits and Coverage. In states like California and New York, major health insurance companies do cover elective abortions.

What Is An Abortion?

Human beings have performed abortions since ancient times, and it typically involves removing the embryo from a woman’s uterus or taking a form of medicine to terminate the pregnancy. The earliest records demonstrate that the ancient Egyptians used a paste made from crocodile feces as an abortifacient medicine.

Nowadays, modern technology has allowed doctors to pioneer new methods that don’t involve a scalpel. This means the threat of complications has vastly decreased, and women leave the doctor’s office one hour after the procedure.

Pregnancy Terms

Most abortions in the western world take place during the beginning stages of the pregnancy during the first trimester. Once a woman enters the second trimester, it’s much more difficult to perform an abortion because the embryo has developed into a fetus. Therefore, if you’re thinking about undergoing this procedure, it’s essential to contact a medical professional early on in the pregnancy.

The Future

It’s difficult to gauge whether the current attitude towards abortion will change over the next decade. Many institutions like Planned Parenthood are threatened on both a microscopic and macroscopic level. For example, President Donald Trump recently signed a bill that “allows states to withhold federal money from organizations that provide abortion services.” This political decision would undermine several national organizations that provide abortion services.

On a micro level, reports have surfaced over the years showing numerous attacks on local abortion clinics. This includes an attack on a Colorado Springs facility in 2015 that resulted in the death of one police officer and two civilians.

HealthQuoteInfo

Regardless of your opinion on abortion, it’s important to consult with your insurance company to find out if this kind of treatment is covered. If you’re looking for more information, feel free to reach out to our agents at 855-614-5057.