Catastrophic Health Insurance

Catastrophic Health Insurance

Online Truck Insurance Quotes

online health insurance

All trucks need to be insured and the penalties for failing to do this well outweigh the cost of the insurance policy. Online Truck Insurance Quotes are easy to get and there is no excuse for not getting a policy on time.

Insurance companies accept that people are busy and it can take quite a while to arrange a policy by post and it can be inconvenient to doing it over the phone. With the option to do it online there is no need to worry about office hours. The web is available 24 hours a day so pick the time that is most convenient and fill in the application then.

Online Truck Insurance Quotes run in the same way as all other policies do. There is the need to be totally honest with everything you answer or the policy can become invalid. This will be bad enough at anytime but if it is discovered just after there has been an accident it can lead to serious trouble and also the possibility of a serious bill being raised.

The forms are usually fairly straightforward to fill in, but it will mean that there is the need to put payment details in and this will mean either giving bank account or credit card details. This is something that is done my many people on a daily basis and all reputable insurance companies will have a secure site so there should not be the fear of fraud. If unfortunately there is an accident and there needs to be a claim this can also be done on line.

The Online Truck Insurance Quotes also eliminate the cost of a phone call. This may not seem like an important factor for an individual, but a company with a great number of vehicles can find that a lot of time is spent arranging this. If it takes 15 or 20 minutes to go through the process on the phone if there are 70 or 80 vehicles involved it is a time consuming process.

While filling in the form for the Online Truck Insurance Quotes may not be for everyone as they prefer to use more traditional methods, this is the way forward. It will also be cheaper for the insurers as they do not have to have staff waiting for the phone to ring and as they often offer a free phone service this is another cost that they have to incur.

What is a PPO health insurance plan?

What is a PPO health insurance plan?

Health Insurance Exchange: What Is a PPO and HMO?

Health Insurance Exchange: What Is a PPO and HMO?

PPO Health Insurance Tips – Understanding PPO Health Insurance With Lee Jackson

PPO Health Insurance Tips – Understanding PPO Health Insurance With Lee Jackson

Will My Private Health Insurance Cover Me Against Swine Flu?

private health cover

Swine influenza is a respiratory disease in pigs. The original virus spread to humans and has since been passed from person to person, with a number of reported cases now in the UK. There is no evidence that the disease has been found in pigs in the UK. The fact that the disease has now spread to humans in a number of different countries means that it is now in danger of becoming a pandemic flu outbreak. The word ‘pandemic’ refers to the fact that the virus is widespread, rather than the level of threat to humans.

Cold and flu viruses are spread by coughing and sneezing, and therefore the Government has released guidelines on preventing the spread of the wine flu virus by disposing of tissues hygienically and covering your mouth when sneezing or coughing. The UK’s plan for dealing with the virus has been identified as one of the best by the World Health Organisation (WHO) and there is a large stockpile of antiviral drugs including ‘Tamiflu’ and Relenza’ which help to reduce the symptoms of swine flu.

Is this covered by my private health insurance policy?

According to the largest health providers, a case of swine flu would officially be covered under a private medical insurance policy, because it is a new, rather than a pre-existing medical condition. However, and this is a big however, many private hospitals would be reluctant to admit you with early symptoms of swine flu because of the duty of care they have to other resident patients.  Because Accident and Emergency facilities fall under the remit of the NHS, private hospitals are primarily set up for planned treatment, with little or no resources to deal with accidents or emergencies. 

Therefore, you should make an appointment with your GP in the first instance, or to Accident and Emergency if your case is severe. If you then feel that you would prefer to be looked after privately, you should contact your insurer and request that a consultant takes on your case. If this consultant, having examined you, feels that you need to be admitted to hospital, this can be arranged through the insurer. It is definitely worth double-checking with your insurer however, as if you contracted the illness from travelling to a country to which the Foreign and Commonwealth Office (FCO) had advised ‘only essential travel’ this may invalidate your claim.

Access to Swine Flu medication

According to the NHS, “Arrangements are being put in place with local healthcare services for antivirals to be made available to those who need them”. You cannot easily get Tamiflu and Relenza on a private prescription, but an NHS prescription will come from the stockpile that the government has made available on a regional basis. Therefore it is much better (and cheaper) to use NHS resources. Under no circumstances should you attempt to source the drugs online, because you will have no guarantee of the authenticity of the medication or that it has been stored in the correct conditions.

How do I recognise the symptoms of swine flu?

The symptoms of swine flu are similar to those of ordinary seasonal flu. However, due to the fact that this is a new virus and therefore that the general population has little or no immunity, the symptoms may be more serious and cause more complications if treatment is not sought quickly. Symptoms include a cough, sudden fever, aching mucles, a sore throat, diarrhoea and sneezing. Most flu sufferers can be cared for effectively at home. However, if your symptoms worsen, contact NHS Direct on 0845 4647 or make an appointment with your local GP. Please note that unless a pandemic has been announced, it may also be that you have seasonal flu.

Virginia’s Health Insurance Marketplace -The Basics (Aug 15 2013)

Virginia’s Health Insurance Marketplace -The Basics (Aug 15 2013)

Cool Children Health Insurance images

Some cool children health insurance images:

children health insurance
Crisco-130301-03.jpg
State Senator Joseph Crisco, left, welcomes to the podium Kèala Ott, a young patient with an emerging condition called Pediatric Autoimmune Neuropsychiatric Disorder Associated with Strepptococcal (PANDAS), at a Capitol press conference. Senator Crisco’s Insurance Committee had just completed an Informational forum on PANDAS at which physicians and affected family members reinforced the need for standardized testing, diagnostic procedures, and insurance coverage for PANDAS patients. (March 1, 2013)
children health insurance
Sarah Palin does NOT Understand “Special Children”!
After tonight’s final debate between Obama and McCain, I could not stand it anymore to hear cloying praise for Sarah Palin, (McCain’s Vice-Presidential running mate) as "understanding special children". GIve me a break, her "special needs" child is only 6 months old, most of these months spent without the direct care of his mother because she is off on her political crusade.

This is one of the worst examples of "morality" I have ever seen, to sacrifice the needs of your child for a higher purpose of political gain in a pursuit for office. I’ve had two previous political compositions that question the new "FAMILY VALUES" that the Republicans now espouse. Since the Republicans co-opted the term "family values", we now see just how malleable this rallying term is: just having a "challenge" in your family is enough to identify you as "understanding"???

Points about the health care crisis in America:

1. That ,000 credit McCain proposes for a family towards purchasing health insurance assumes the family is wealthy enough to have the other ,000 (average health insurance plan for a family) to SPEND on health insurance.

2. Oh, does the family have a parent employed in a company that still provides a health insurance plan?

3. The full ,000 health plan covered by an employer that provides it is TAXABLE income. Thus, if your salary is ,000 a year gross pay, you will now be taxed on ,000 gross pay.

4. The McCain plan will do more to guarantee that fewer American companies will provide health insurance coverage.

5. The folks that do not NOW work for an employer that provides a health insurance plan are still SOL (sorry outta luck).

6. The idea that a family can just go out and find private insurance when a family has a family member who has a "pre-existing condition" is ludicrous. In the 12 years my family had NO health insurance because NO private insurer would cover us, my family had to stay at or below Poverty Level in order that my one son could have Medicaid.

7. The average plan in the few states that have health insurance for those with "pre-existing conditions" costs currently 0 to ,000 per month. So, how many families in this situation have that money to spend on health insurance?

8. That point about "taking your health plan with you" when you change jobs or change states when you move? Sure you can do this, only your premium skyrockets.

And finally, to my final frustration over the "sympathy" given to the Palin family for their baby with Down Syndrome: every educator and medical professional knows that the best chance for a positive future for a child born with a disability depends on the early years. There is no substitute for the care and nurturing a parent gives to this child from the start. Mrs. Palin has abandoned her five children in the pursuit of political ambition and is even using her family situation as a positive slant on her ability to understand the American people. Let me tell you I for one DO NOT ACCEPT this sick praise for Sarah Palin. It was offered tonight by both Obama and McCain and it is the last straw for me.

BTW, let’s see how well Palin’s family is doing in the next years when she is out of office, out of her current insurance coverage, and the cute baby has more obvious needs and challenges. This message has been brought to you by a mother of a child who still averages about ,000 per month for medical expenses after 29 years. Let the politicians ask ME to advise them on health care coverage and on the need for early childhood education and what needs to be fixed in American public schools. My son graduated from high school with a diploma because of the advocacy and hard work of he, his parents and his brothers. And it was very hard work, at great, great personal sacrifice to us all.

children health insurance
Healthy Me Bicycling
Donghyeon Lee, 10 years old, 5th grade, Bellflower, CA, "Healthy Me Bicycling"

My neighbor, who is a 5-year old little girl, has had heart problems since birth and in pain frequently, but she isn’t able to get treatments for her heart because she doesn’t have any insurance to cover it. Her father is here studying and can’t afford to buy insurance. Whenever I see her, I feel sorry for her… I’d like to become a doctor and help the poor. – Donghyun Lee, 5th grade, Bellflower, CA

Health Insurance for College Students

children health insurance

As your child prepares to head off to college, probably the last thing on his or her mind (and yours) is health insurance. But getting sick or injured away from home can be an unpleasant experience–more so if your child doesn’t know his or her health-care options. You’ll want to make sure that your child’s health insurance is in place before you pack up the car. There are basically two ways to insure your child’s health while at college: your family health plan or a health plan provided through the college.

Your family health plan

Most family health plans will cover your child until 20 to 24 years of age as a full-time student who’s still dependent on you, regardless of whether he or she lives at home. If you have a traditional indemnity plan (i.e., one that provides coverage no matter which doctor you choose), then your child should be able to see any doctor near campus, and your insurer should cover a certain percentage of the expenses as set forth in your plan. The situation is more complicated when you have a health maintenance organization (HMO) plan and your child’s college is not nearby. In this case, your child may need to schedule appointments with his or her primary care doctor during school breaks and other visits home. But it may be difficult or impossible for your child to visit his or her primary care doctor in an urgent situation.

If your child isn’t covered under your family health plan because he or she no longer fits the definition of a dependent child, your child may be eligible for coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA). This is an individual plan that’s based on the benefits in your group plan. Under COBRA, your child will be eligible for coverage up to 36 months.

The college health plan

The other option is for you to purchase health insurance coverage through your child’s college. Many colleges offer low-cost health plans for students that may even be less expensive than continuing coverage through your existing family plan. These health plans, though not as comprehensive as some policies, are usually enough to get by on, even if your child becomes seriously ill or has a major accident. The reason that these plans are less expensive than your own plan is the cap they place on total benefits paid (e.g., $ 250,000). Make sure that you know what the maximum benefit is and that you’re comfortable having coverage up to that limit.

The cost and level of coverage of college health plans can vary greatly from one school to the next. Plans are usually designed specifically for each individual college, and the health services available on campus and in the community often determine what coverage the college can offer. State laws may also play a significant role in the cost and level of coverage.

Questions for your college health plan

Because college health plans can vary widely in their coverage, you’ll want to consider the following questions before you sign your child up:

Is the plan an HMO, or can your child use any health provider?
What services are offered free or at low cost in the campus health center?
Is the campus health center open 24 hours? How is it staffed?
Are emergency-room visits covered in all situations or only in specific situations?
Does the plan cover your child when he or she is on vacation (e.g., spring break)?
Does the plan cover your child during the summer?
Are hospitals in the college area accessible and utilized?
Does the plan include mental health treatment?
What pre-existing conditions are excluded?
Are there deductibles and coinsurance to be paid?
What is the maximum benefit amount?

 

Geldin Insurance Agency Simplifies Your Healthnet Individual Plan

Geldin Insurance Agency Simplifies Your Healthnet Individual Plan

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