Pre-Existing Condition Exclusions Blue Cross and Blue Shield of Texas (BCBSTX) has revised the chart published last month defining how pre-existing condition waiting periods will be applied to insured and self-funded (ASO) business. Insured – BCBSTX will waive pre-existing condition exclusions for all enrollees up to age 19, and for all dependent children up to [...]
Posts Tagged ‘Health’
more...Some Thoughts on Planning For the Long Term
May 6th, 2010 by Your Insurance Advisor
A growing concern for many Americans, especially Boomers, but also Americans in other generational groups, as well, is long term care. Long Term Care is vital because as a society we are living a lot longer than in the past. Recent advances in medical care and the treatment of disease and illness have advanced much [...]
How much disability insurance coverage do I need?
May 1st, 2010 by Your Insurance Advisor
In a recent post about disability insurance coverage, we discussed how to determine what amount of disability insurance to buy? Today, we’ll take a look at a quick and easy method to estimate the amount of money needed (as an amount of disability insurance coverage) as accurately as possible. The most effective and accurate way [...]
Big Government’s Coming to LTC?
April 30th, 2010 by Your Insurance Advisor
The National Academy for State Health Policy has recently released a report on the new changes and provisions in the Patient Protection and Affordable Care Act which will affect Long Term Care (LTC) insurance for America’s seniors. Some of the “enhancements” found in these new changes are designed to help seniors avoid nursing homes, coordinate [...]
Fraud in the Health Care System
April 30th, 2010 by Your Insurance Advisor
One good benefit coming from all of the attention being paid to health care reform is the attention being paid to fraud in the medical health care community, much of it perpetrated by health care providers. Many people oppose the reforms fearing a turn to socialist policies by the government. Where there is controversy, however, [...]
Why is the impact of disability worse than death?
April 28th, 2010 by Your Insurance Advisor
Disability is the inability to earn a living (this means working for most of us) due to illness or injury. Long term disability results from this type of condition existing for a period of three months or longer. The longer the period of disability, the harder it becomes financially for the disabled, and his or her family.
Why we buy insurance
April 27th, 2010 by Your Insurance Advisor
Many consumers do a poor job of protecting themselves from the long term loss of income due to a long term disability. The great majority of consumers who do buy this type of coverage do so through their employers, yet these types of employer provided long term disability insurance policies may not be the best choice for consumers.
What’s the best way to shop for health insurance?
April 13th, 2010 by Your Insurance Advisor
Recently, a friend asked me what I thought was the best way to go about buying major medical health insurance for his family. He received coverage from his employer, but to cover his wife and children with the same plan was quite expensive. I advised him to look at an individual and family major medical [...]
5 Must-Haves in a Health Insurance Plan
April 7th, 2010 by Your Insurance Advisor
Image via Wikipedia One area of worry for most Americans is the need for major medical health insurance. When the worst happens and a health insurance policy is needed, it usually means that everything else becomes unimportant, and the only thing that matters is the health of the insured, whether it is yourself, your child [...]
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