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What is HIP health insurance?

Many people who have heard the term HIP health insurance wonder what it means. As with many aspects of the health insurance world, there is not a simple answer. The definition changes depending on context, and many people misunderstand HIP plans. Many people think it is a type of health insurance plan, but the term […]

What is a GAP health insurance plan?

The insurance industry offers products to fit situations when consumers need a coverage solution to avoid a gap in coverage. The industry offers plans called short-term or temporary insurance; it is insurance that consumers can customize to fill a gap before getting longer-term coverage. The Affordable Care Act set standards for qualified coverage, and short-term […]

Medical Insurance for a Single Person

Many single individuals use the Health Insurance Marketplace to find medical coverage. The Marketplace will help you find health insurance if you currently do not have a plan. Since the Affordable Care Act requires every American to have a qualifying health insurance plan, you can use the Marketplace to find a qualifying plan if you […]

How long does it take to get health insurance?

If you are new to having health insurance or have not had a policy in a while, you may not be aware of the current waiting periods there are between getting and using the insurance. Health reform laws have made the waiting periods as minimal as possible, but you should understand that it is never […]

Is Medicare private healthcare?

Medicare has private insurance and government operated programs. Eligible participants can choose public or private medical insurance coverage. The federal government primarily contracts with private medical care providers to deliver medical services. In this sense, Medicare is private healthcare with federal government management. Comparison shopping is an excellent tool for selecting private Medicare insurance, prescription […]

What is a stop-loss provision in health insurance?

In many cases, particularly with the advent of the Affordable Care Act, health insurers have implemented a policy to charge the insured for a certain percentage of many of the expenses associated with their medical care. Many refer to this as coinsurance, and that is a term that many readers might already be familiar with. […]

What is a CDHP health plan?

Consumer Directed Health Plans leave choices about health care spending to employees or insured persons. The typical structure of a consumer-directed health plan is a High Deductible Plan paired with a Health Savings Account or Health Reimbursement Arrangement. Comparison shopping is an excellent method for selecting a high-deductible policy and HSA on the Obamacare Marketplace. […]

What is a self-funded medical insurance plan?

According to healthcare.gov, a self-funded, or self-insured plan is when the employer collects the premiums from enrollees and becomes responsible for paying the medical claims of employees and their dependents. These plans are either self-administered or the employer contracts with a third party for provider networks, processing claims, and enrollment. Instead of paying fixed premiums […]

Is my psychologist covered by health insurance?

The Affordable Care Act, also known as Obamacare, expanded insurance coverage to people who suffered from mental health and substance abuse disorders. The law required that all insurance policies offered through the Health Insurance Marketplace, including individual and small business plans, provide recipients with mental health coverage. The law also required insurance plans to offer […]

How to Prove You Have Medical Insurance

There will be several situations where a person will have to prove that he has health care insurance. This includes doctor visits, hospital stays, emergency room visits, and federal income tax forms. When seeking to prove insurance in any of the above situations, be sure to include all insurance plans that are relevant. Thus if […]

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