Tag: health

If you become unable to work due to illness or injury, disability insurance can help you pay your bills.

Disability affects more people and occurs more frequently than you might believe. The illness causes more disabilities than injury, including common ailments such as heart disease and arthritis, and the majority of disabilities are not covered by Workman’s Compensation.

Some firms will provide their employees with both short and long term disability insurance. A short term policy assists you quickly following an occurrence, whereas a long term policy provides cash protection for disabilities that can persist for years.

You can also pay for supplementary coverage on top of your employer-provided benefits to help provide further financial security.

Long Term Disability Insurance

Many firms provide long term disability insurance plans that function in conjunction with their short term disability insurance policies, such that when the short term disability insurance plan terminates, income replacement benefits under the LTD plan begin.

Long term disability insurance for permanently disabled individuals may continue until the employee’s normal retirement date or until the employee becomes eligible for Social Security disability benefits (discussed later), though some policies provide more limited income replacement benefits, such as for up to 24 or 36 months. Paid long term disability insurance is also integrated with other sources of income when possible.

According to the BLS, most employers pay the entire price for LTD insurance plans, and employees are eligible for LTD insurance after a three to six month waiting period after being disabled.

Long term disability insurance(LTD), like short term disability insurance, does not provide job protection; the requirements to keep an employee’s job and reinstate the employee after an LTD absence are generally determined by an employer’s internal policies and practices, as well as state and federal laws such as the FMLA and the ADA.

The tax effects of receiving long term disability(LTD) insurance vary depending on whether the employee paid the entire cost, a portion of the cost, or the employer paid for the entire plan.

Do I Need Short Term Or Long Term Disability Insurance?

The most significant distinction between short term disability insurance(STD) and long term disability insurance(LTD) is the amount of time you will get benefits if you are unable to work. This is known as the benefit phase.

Short term disability insurance, as the name implies, is designed to cover you for a limited time following an illness or injury that prevents you from working. While policies differ, short term disability insurance normally covers you for 13-26 weeks and can replace 40-70 percent of your income during that period.

Long term disability insurance, on the other hand, is meant to give benefits for a longer period, and benefit periods for long term disability insurance are typically mentioned in years: 5, 10, 20, or even until you reach retirement age, depending on your plan.

Long Term Disability Insurance Pregnancy

Although pregnancy is not a disability, debilitating problems can emerge during and after childbirth. The medical difficulties discussed above describe some of the factors that sometimes prohibit new mothers from returning to work.

Existing medical conditions raise your risk of developing a debilitating condition.

• Epilepsy
• Asthma
• Multiple sclerosis (MS)
• Blood pressure is too high.
• Obesity (Body Mass Index over 30)
• Sickle cell disease
• Maternal age advancement
• Several pregnancies
• Smoking
• Abuse of drugs and alcohol
• Fibromyalgia

Short Term Disability Insurance

Employers may provide short term disability insurance (STD) plans that replace all or part of an employee’s income in the event of a temporary disability. An employee’s job will generally be determined by an employer’s internal policies and practices, as well as state and federal laws such as the Family and Medical Leave Act (FMLA) and the Americans with Disabilities Act (ADA), which will be discussed later.

Because many firms offer paid-time-off programs that cover shorter-term absences, short-term disability insurance often has a short front-end waiting period, such as seven days, before payments begin.

This waiting period also deters the misuse of disability insurance benefits. Income benefits are distributed on a planned percentage-of-pay basis, often 60% to 75% of the employee’s base pay, and benefits may be coordinated with other income such as paid sick leave to ensure that income benefits do not exceed 100% of base pay.

As a matter of plan design, an employer can allow or restrict the supplement of paid sick leave or other benefits in conjunction with short term disability insurance. According to the Bureau of Labor Statistics, the average length of short term disability insurance coverage is 26 weeks.

Employers in other states may optionally offer fully contributory, partially contributory, or noncontributory short term disability insurance policies.

The tax consequences of income benefits received are determined by whether the employee paid the entire cost of the plan, a portion of the cost of the plan, or the entire cost of the plan was paid for by the employer.

Disability Insurance For Maternity Leave

When you go on maternity leave, you’ll need a financial plan to help you deal with the temporary loss of income.

This frequently entails pooling all available resources, including sick leave, savings, vacation pay, short term disability insurance, and long term disability coverage. Coverage waiting periods, benefit restrictions, exclusions, and handicap criteria are frequently included in the benefits. You must guarantee that you have appropriate financial resources available when you need them long before you begin your leave.

Pregnancy and other illnesses are typically not differentiated in company sick pay policies. They pay a percentage of your income, and the benefit normally lasts six weeks. After a normal delivery, an OBGYN will usually tell you that you can return to work.

If you develop an unexpected postnatal medical issue, your sick pay benefits will often be reduced after a short amount of time. Short-term disability payments are terminated based on the period specified in your company’s plan.

If you stay disabled, your employer-sponsored group long term disability plan will normally cover a portion of your income. To maintain a consistent source of income, you must assess your business plan before the need arises.

Life Disability Insurance

Life and disability insurance are critical for your entire family. It’s difficult to consider or plan for, but if you were to have a fatal or incapacitating accident or disease that interfered with your capacity to provide for your family, life and disability insurance might help you keep your family’s financial well-being.

The potential of life insurance to provide money for a surviving family’s continuous living needs and financial goals related to education, employment, and retirement is an evident role it plays. However, for families with special needs children, life insurance plays an even more important role.

Disability Insurance For Individuals

Individual disability insurance is appropriate for anyone who does not have disability insurance via their employer.

It’s also an option for high-income people who want to supplement their coverage. Not only may you purchase this coverage on your own, but it also follows you even if you change employment.

If you want more protection, you may wish to supplement your long term or individual disability plan with additional coverage.

Supplemental disability insurance can be an excellent addition for employees and individuals who want to preserve a larger portion of their salary, bonuses, or commissions. You could even be able to obtain a policy through your employer.

• Cost-influencing factors

Several things will influence how much you pay. Work with heavy machinery, for example, may pay more than someone who sits at a desk all day.

Your health also has an impact on cost, as persons with a history of disabling ailments such as back injuries, arthritis, and asthma may have to pay higher premiums.

Other factors include the elimination period, which is the amount of time you must be handicapped before receiving a benefit, and the benefit period, which is the amount of time an insurance company will pay for a benefit.

Features Of Disability Insurance For Individual

When shopping for a plan, inquire about which features may be appropriate for you. Many Guardian plans, for example, include the following features:

• Waiver of premium

A waiver of premium for disability is a provision in an insurance policy that stipulates that if the insured is disabled and receiving benefits, the insurance company will not force them to pay the premium. Unlike other insurance companies, we will continue to waive premiums for six months after you have recovered and your benefits have ended.

• Hospice care benefit

If you are accepted to a certified hospice program, you will be considered incapacitated (eligible for benefits), and the policy elimination period will be waived in many situations, allowing you to receive payments sooner.

• Unemployment premium suspension

Suspends premiums while you are unemployed, allowing you to stop paying premiums but keep your policy. However, coverage is halted while you are unemployed, so if you become incapacitated during that period, you will not be compensated.

• Occupational rehabilitation and modification and access benefit endorsement

Assists in the payment of occupational rehabilitation charges as well as the cost of modifying your workplace to accommodate physical restrictions.

• Disability Insurance Examples

Disability insurance normally costs about 2% of the person being insured’s annual wage. Of course, the exact amount will vary depending on the insurance company and policy characteristics such as those mentioned above.

Individuals will have various preferences in terms of how much they are ready to spend in exchange for better or worse disability protection.

As an example, take two hypothetical employees. Worker X is a highly skilled professional in a highly specialized industry.

Worker X received 10 years of post-secondary school to become qualified in their area, allowing them to earn a comparatively significant salary of $250,000 per year. Worker Y, on the other hand, is a high-school graduate who alternates between jobs regularly and earns around $30,000 per year.

Worker X understands that if they become incapacitated, they may be able to work in another sector, but this will almost certainly result in a considerable loss of revenue. As a result, they decide to buy a somewhat expensive disability insurance policy with a flexible definition of disability.

Worker X’s substantial income allows them to easily afford their somewhat high premiums. Worker Y, on the other hand, chooses a lower-cost plan, even though it has a stricter definition of disability. Worker Y is less hesitant to work in an area outside of their current occupation because the nature of their work is less specialized, in addition to having fewer resources accessible to pay for premiums.

Health And Disability Insurance

Disability is frequently misunderstood as a health concern. As a result, little effort is done to include people with disabilities in the health sector, which is also frequently disregarded in national disability strategies and action plans to implement and monitor the CRPD.

Attaining the best possible quality of health and well-being for everyone will be feasible only if governments recognize the need for a paradigm shift, realizing that global health goals can only be met when disability inclusion is core to health sector priorities, such as:

• Universalism in health care without financial hardship
• Protection during a health emergency
• Access to cross-sectoral public health measures such as water, sanitation, and hygiene

Disability inclusion is crucial to obtaining universal health coverage without financial hardship since people with disabilities are more likely to be:

• Three times more likely to be denied healthcare services
• Four times more likely to receive poor care in the healthcare system
• 50 percent more likely to incur catastrophic healthcare costs.

Disability inclusion is crucial to improving health-emergency protection since people with disabilities are disproportionately affected by COVID-19, which includes:

• Directly as a result of increased infection risk and access hurdles to healthcare
• Indirectly as a result of limits imposed to limit viral spread (e.g., disruptions in support services).

Disability inclusion is crucial to improving health and well-being since people with impairments are more likely to be:

• 4–10 times more likely to be subjected to violence
• At a higher risk of nonfatal injury in road traffic accidents

Children with special needs are:

• Three times more likely to be sexually abused
• Two times more likely malnourished.

See here for the Best 9 Health insurance companies in Los Angeles

You know, it sounds a bit off to speak about states in the U.S with good healthcare insurance companies without talking about the state of Virginia.

Health insurance companies in Virginia are good, affordable, and live up to the expectation of the residents.

Besides, you will be surprised at the various benefits your affordable healthcare plan could bring to you.

Most times, people search for health insurance coverage plans that can be affordable and useful to them but they end up getting discouraged and tired.

Also, lots of factors contribute to this discouragement people feel after setting about to get the services of health insurance companies.

Nevertheless, we are all about the bright sides of life and that includes talking about health insurance companies in Virginia. If you don’t mind, let’s get down to business.

Introduction to Health Insurance Companies in Virginia

To start with, a lot of health insurance companies have opened their doors for business in the state of Virginia.

More so, they all provide health coverage plans but they are not very similar to each other. Health care plans vary from company to company.

You only have to carefully find out which company provides the coverage that is good for your needs.

For the good of everyone, we took out time to make some research about the health insurance companies in Virginia, and from our findings, you can decide on the company door you’d likely be knocking on, or not.

1. Anthem Blue Cross Blue Shield

Firstly, Anthem has been in business in the state of Virginia for the past 50 years. In fact, they provide healthcare coverage for most residents in the state and they have been ranked the fifth largest healthcare company in the United States.

They have a great nationwide network that helps people travel without any worry about their health coverage. That is because they work in line with thousands of healthcare facilities and doctors.

Furthermore, Anthem allows its customers to buy disability, dental and life benefits. That is among the goodies they offer to the people using their health coverage plans.

Here’s is a list of their affordable packages.

Catastrophic 855:

This is the cheapest of their plans for: $40 copay on first three pcp office visits. $8,8550 deductible and 0% coinsurance applies to most other none preventative expenses. You must be under 30 or prove to be very poor before you can apply.

Bronze 8200:

40% coinsurance. $8,220 deductible. Deductible applies to all non-preventative expenses.

Bronze 5500: $5,500 deductible with 35% coinsurance. 40% copay.

Bronze 5800 online plus: 25% pcp office visits copay. $5,800 deductible. 30% coinsurance.

Bronze X5900 for HSA-HSA eligible plan. $5,909 deductible. 35% coinsurance. Deductible applies to all non-preventative expenses.

2. Cigna

Cigna boasts of over one hundred and eighty million users in over thirty countries. They have quite a large network all over the country and offer easy access to hospitals and doctors.

Cigna offers different plans for its users in Virginia. If you are below sixty-five years old, this is the list of their plans that can benefit you.

Cigna Connect 7000: $7,000 deductible. 40% coinsurance. Zero charges for any virtual medical attention.

Cigna Connect 6750: 40% coinsurance. $6,700 deductible.$8 preferred generic drug copay. $30 pcp office visit copay.

Cigna Connect 5500: $5,500 deductible. 40% coinsurance. $20 pcp visit copay. $10 preferred generic drug copay.

Cigna Connect 1500: $1500 deductible. 25% coinsurance. $20 pcp office visit copay. Prescription drugs must meet deductibles and coinsurance.

Cigna Connect 2000: $2,000 deductibles.25% coinsurance.$8 preferred generic drug copay and $20 generic drug copay. $50 preferred brand drug copay.

Cigna Connect 6500: $6500 deductible with 40% coinsurance. $20 pcp office visit. $4 preferred generic drug copay. $30 urgent care copay.

Cigna Connect 3500: $3,500 deductible with 40% coinsurance. $25 and $75 copays. $5 preferred generic drug copay and $25 generic drug copay.$75 preferred brand drug copay.

3. Kaiser Permanente

Kaiser is a highly top-performing health care company. Not your kind of regular, if you ask us. Kaiser offers health care insurance services in Virginia, Hawaii, Washington, DC, and a host of other states in the U.S.

So, when it comes to the best health insurance companies in Virginia, Kaiser Permanente should be among the top three.

We have listed some affordable plan options they have.

KP VA Catastrophic 8550/0/Vision: First three pcp office visits are 100% covered. 0% coinsurance applies to most other non-preventive expenses. $8,550 deductible.

KP VA Bronze 7500/40%/vision: #7,500 deductible. 40% coinsurance.

KP VA Gold 1700/25/Vision: $25 & $60 office visits copays. $60 urgent care copay. 30% coinsurance. $1,700 deductible. $15 and $60 generic and preferred brand drug copays.

4. Optima

Optima is a large health care insurance coverage provider.

Currently, they provide coverage for at least, four hundred and fifty thousand persons in the state of Virginia. Also, they have not less than twenty-five thousand doctors, hospitals, and health facilities working with them.

Optima operates in Virginia Beach, Richmond, Newport News, Roanoke. They have a business plan for employees, family plan, and individual plan.

Again, Optima is in partnership with another insurance company called Sentara Healthcare. This makes Optima provide a type of special services to its users.

5. Piedmont

Piedmont is a health care provider that serves the locals very well. It has its primary coverage in counties like Prince Edward, Campbell, Cumberland, Nottoway, Bedford, among others.

Free health insurance companies in Virginia for adults:

Obviously, when it comes to free health insurance companies in Virginia for adults, we all simply turn around and focus our gaze on Medicaid. You see, taking care of the adults for free in Virginia is what they know how to do too well.

Since 2019, adults between 19 and above till 65 years in the state of Virginia can now enroll in low-cost or free health insurance plans suitable for them.

For instance,  if you are an adult and want to enroll for health insurance coverage, you must be qualified for it or have an income that is within the limit.

However, adults that are 65 years old and above, blind or disabled can qualify for full health care coverage. But if you do not belong to this category of adults, you may not be qualified for full health coverage.

That is, you must have a certain amount of money in your medical bill before you become qualified for Medicaid.

Medicaid in Virginia covers:

• Doctor’s visits
• Regular check-ups
• Hospital care
• Prescription drugs
• Immunizations
• Dental Care
• Mental health care

Medicare in Virginia:

Now, Medicare has a part A (hospitalization and skilled nursing cost) and it costs $1,484 deductibles for you to meet up each benefit period.

Therefore after meeting up with your deductibles, you will get $0 coinsurance payment per day for inpatient hospitalization.

$371 per day for a period of sixty-one to ninety days. Also $742 per day for ninety days and beyond. This lasts for a period of sixty days.

Medicare part B (medical insurance cost)

$203 deductibles

20% coinsurance payment after you meet your deductibles. Beyond your deductibles, you are responsible for whatever Medicare part B covers.

Medicare part C called a Medigap plan does not have the same cost. Part C covers the coverage of parts A and B and a part of  D. Sometimes, it includes, dental and vision plan benefits.

Medicare part D (prescription drug)

This plan may include deductibles to be paid off before the plan takes over for the prescription. Moreover, your prescription coverage will be split between you and your plan.

Health insurance in Virginia:

Firstly, health insurance in Virginia was formerly the business of the federal government but in 2020, the State government of Virginia took over the duty.

Though there are plans for the residents to move fully to a new enrollment system by the state but currently, everyone that needs health insurance in Virginia still goes through the normal HealthCare.gov route.

The state of Virginia health insurance marketplace offers its services to individuals, families, and a little group health insurance coverage.

So, if you do not have your own health insurance coverage or from your employer, because you are self-employed, then you should enroll in the affordable care Act insurance also called Obamacare.

Obamacare gives the residents of the state of Virginia access to the federal health insurance marketplace. Even if you are eligible for Medicaid or Family Access Medical Insurance Security(FAMIS), you can still remain and benefit from the Obamacare program.

Meanwhile, there are short-term health care insurance plans that can benefit you according to the services provided by UnitedHealthcare.

The short-term plan could be for you:

If you know you did not apply for Obamacare also known as the Affordable Care Act (ACA), maybe because you did not qualify or you missed the enrollment period.

Maybe you are looking for another health care coverage to help you with Medicare.

You might be waiting for your new job’s health insurance coverage to kick in.

Just maybe you are not yet 65 years old.

Again, you are waiting for your Affordable Care Act to kick off.

If you fall into these categories, you rightfully need short-term health insurance coverage.

Remember, it is called a short-term plan for a reason. You only get to make do with it until you get a suitable long-term health care insurance plan.

Benefits of short-term health care insurance plan

• You get to pick how long you want to be covered
• Fast and flexible health care coverage
• You won’t be penalized when you decide that you’re no longer interested
• You can go for another short-term plan once you finish with the current one
• Low premium plans
• No coverage requirements

Disadvantages of short-term health insurance plan

• They do not cover pre-existing conditions
• Not guaranteed
• It is limited and may not cover all your medical needs.
• They are meant to be temporary

Short term insurance Companies in Virginia:

• UnitedHealthOne
• National General Accident and Health
• Companion Life Insurance Company
• Hospital and doctor insurance plan:

This plan pays cash for your medical services. You also get benefits even if you are covered by another plan. Again, there are no deductibles and copays.

Accident insurance:

Sadly, health emergencies do happen all the time especially when you do not expect them. This plan gets you ready even before the emergency comes.

An accident insurance plan with UnitedHealthcare pays your bills regardless of other plans you might be on.

Also, you will be receiving a fixed amount for any other incident related to an accidental injury.

Dental insurance carriers in Virginia

• Americas life insurance corps
• CareFirst Blue Cross Blue Shield
• Golden Rule insurance company
• Humans
• Anthem Blue Cross Blue Shield
• SureBridge
• Standard Life and Accident Insurance Company
• National General Insurance Company

Best cheap insurance companies in Virginia:

Surely, you can find some quality yet affordable insurance companies in Virginia.  The state has a very robust health insurance industry that can take care of your medical concerns. All around you, you can see an affordable health plan.

Although, we all know affordable is relative but you never can tell. You only need to do your own research for what best works for you.

However, we have a list where you can begin.

• Anthem HealthKeepers
• Cigna Health and Life Insurance Co
• Group Hospitalization and Medical Services Inc
• CareFirst BlueChoice
• Optima Health Plan
• Oscar Insurance Company
• Piedmont Community HealthCare HMO, Inc

Medical Assistant Programs:

Medical Assistant health care programs in Virginia have different coverage plans for whoever is interested to indulge. By the way, this includes different categories of people and their health needs.

Moreover, the eligibility for qualification differs accordingly too. If you want to enroll, you will be screened according to your age, income, health needs. So, you must meet the requirements, both financial and nonfinancial before you can enroll.

Conclusively, health insurance companies in Virginia, both private and the free ones offer different health care insurance plans with varying amounts. With your low-income still, there is always a health care company, even the government-owned that works with your budget.

Besides, in Virginia, you can sign up for your health insurance through the federal health insurance exchange at healthcare.gov.

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Today, we begin with these questions. what do know about Health insurance in Hawaii? or When you say, you have your life all sorted out and everything in place, do you include your health and health-related unforeseen circumstances? Before you give your honest answer, let us talk about a few things.

Oftentimes, we see people put aside money for a new car, vacation, a new house, or for whatever item that catches their fancy.

Yet, the majority of these populations do not remember to put aside money for their health for just-in-case purposes.

Again, in developed places like Hawaii, where they have good health insurance companies, you also get to see people who consciously or unconsciously skip the health part.

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Overview of health insurance in Hawaii

You see, health care insurance is a fine big sentence for having a company cater for your medical needs.

Apparently, these needs might come in form of illness, ambulance service, doctor’s visits, hospitalizations, or during health emergencies like accidents. So, these company helps you put little money aside for these events.

However, in Hawaii, there are health care insurance companies that will serve you better than others. You only have to search them out and let them serve you.

Therefore, finding that befitting health insurance in Hawaii can do you and your family a world of good. So that in times of health issues or health emergencies, you do not have to go penniless.

We have put together some real-life findings for you, as regards health insurance in Hawaii. So, if you want to relocate to Hawaii or reside there already, you can begin to work towards the goal of getting your health insured.

In Hawaii, you can find private health insurance plans or health insurance plans for small businesses and groups.

Though there are no specific laws that bound you to have health insurance coverage in Hawaii, however, it is only good to do the right thing at the right time.

Besides that, the government of Hawaii has always promoted health insurance with the Hawaiian Prepaid Health Care Act. Most times, employers are required to offer their employees’ group health insurance.

Interestingly, health insurance in Hawaii has been so diversified that you can get your health insured in different ways.

Either as an employee, the government-sponsored way, private health insurance companies, or through the federal exchange.

Early this year, there was a slight increase in the health plan in Hawaii, nevertheless, Hawaii Medical Service Association still offers one of the lowest and most affordable health insurance plans. It is only important that you choose the health plan tier that suits your need.

However, before you finally make your choice on health insurance in Hawaii, the two things you should thoroughly consider are your age and the metal tier.

As you get older, your monthly premium increases, whether you have any health issues or not. When your plan tier goes higher, your coverage increases.

For example, a healthy twenty-one-year-old would pay the sum of $245 per month if he was using the Bronze tier plan.

While on the other hand, a forty-year-old on the same plan pays $68 more for the same coverage. This only shows that, the higher your age, the increase in your monthly health plan coverage. Below is a breakdown of the average monthly cost of health insurance in Hawaii.

Cost of health insurance in Hawaii

Tier Age21 Age40 Age60

Catastrophic: $154 $197 $418

Bronze: $245 $313 $664

Expanded Bronze: $281 $359 $763

Silver: $348 $490 $1,042

Gold: $376 $480 $1,020

Platinum: $436 $558 $1,184

For better understanding, “metal tier level” means the category of health plans in the health care coverage. It is always talked about in metals. Bronze, silver, gold, and platinum.

So, if you are looking for the best plan to go for as an elderly person, it is advisable to go for the platinum plan.

This is because platinum covers 90% of your health. In contrast, the catastrophe coverage which is the minimum level does not have any extra benefit except three primary care visits in a year.

Health insurance companies in Hawaii

There are health insurance companies in Hawaii that have the best and most affordable plans. These companies, though in Hawaii, provides health care plan for millions of individuals all over the world.

Therefore, it is safe to say that health insurance companies in Hawaii can be trusted enough to help insure your health and that of your loved ones.

1. Kaiser Permanente

If you belong to the category of people that loves going extra on things they do, then you’ve met your match in this company.

Kaiser Permanente is one of the largest and very highly rated health insurance companies in Hawaii.

This company has a network of over six hundred doctors and specialists across Hawaii. For a good ten years, the company has received massive rankings from the National Committee for Quality Assurance.

Not only that, its network of specialists and doctors has won for themselves the Women’s Choice Award for obstetric and cancer care in 2018. Kaiser offers different health coverage plans for their clients across Hawaii.

2. UnitedHealthcare

This is another giant in the health insurance industry in Hawaii. Though their plans are mostly short-term, they provide top-notch health care coverage which includes dental and vision plans. UnitedHealthcare is equally linked with the Medicare supplemental plan and offers everything approved by the ACA.

3. Hawaii Medical Service Association

The Hawaii Medical Service Association (HMSA) can proudly stand up as one of the best health care insurance providers in Hawaii.

Their services speak for them as one that provides one of the best health insurance plans in Hawaii. When it comes to pricing, the Hawaii Medical Service Association offers very affordable plans better than most health insurance companies in Hawaii. Unlike most health insurance companies, HMSA offers vision coverage plans.

4. Ameritas

Ameritas is affordable and reliable. Also, they know how to do their job when it comes to health insurance.

Ameritas also provides dental and vision coverage plans at a very low cost. So, if you want if affordable yet quality, with dental and vision plans in Hawaii, Ameritas should be your go-to.

Cost of health insurance for families

Obviously, a family of three will not spend an equal amount on health insurance in Hawaii. The size and age of your family members will greatly affect the cost of your monthly health insurance plans.

Take, for example, children below the age of 15 need the minimum amount of money to maintain their health when insured. This is not so for a family of four adults.

This table is based on silver health plan in Hawaii.

Health insurance marketplace in Hawaii

Most adult Hawaiians get their insurance from their employers and others that are not covered by their jobs or family plans get their health coverage through the marketplace in Hawaii.

Formerly, Hawaiians enrolled in the government health insurance through HealthCare.gov but that was changed in 2016. From then, the health insurance marketplace was taken over by the federal government.

Health insurance requirements for employers in Hawaii

In Hawaii, employers are required to provide health insurance coverage to all their employees. That is if they’re not already covered before their employment.

It does not matter if they work part-time or full-time, temporary or permanent. As an employer, you are bound by the law to do the needful by your employees.

Children’s health insurance program in Hawaii

Children are quite expensive to take care of and they are solely dependent on their parents for everything.

Thank goodness, the Hawaiian government set up a Children’s health insurance program (CHIP) in Hawaii that provides health coverage for children and most times, pregnant women.

The families of the children qualified for CHIP must meet certain health care insurance requirements.

This program provides very high coverage which covers the children for almost all the medical care services. Furthermore, that health care insurance for children includes services like immunizations, dental care, routine medical checkups.

Moving on, Parents are advised to enroll all their children in Hawaii Children’s insurance program to save them the expensive cost of taking care of their medical needs.

Hawaii Quest

Hawaii has another kind of health assistance program which is called the Hawaii Quest and Medicaid Fee-For-Service.

This medical assistance is for low-income earners that reside in Hawaii. The Medicaid Fee-For-Service covers the dental plan of the insured while the Quest provides coverage for the medical and mental health of the insured.

Pregnant women get quick attention and are easily eligible for health insurance coverage once it is certified that she is truly pregnant.

The Med-Quest is financed through the state of Hawaii and the federal Centres for Medicaid and Medicare services.

Now, to be eligible for the Quest program:

1. You must live in Hawaii
2. Must be uninsured
3. Be 18 or below this age
4. You must be a U.S citizen or legally admitted into the U.S

Benefits of health insurance

In case you still need a little more push to get yourself good health insurance in Hawaii, here you have it. Let’s talk about the benefits.

1. Coverage against critical illness

Most times, these illnesses do not come knocking to give you a heads up first. These insurance companies provide you with a plan that helps you treat critical illnesses like stroke, loss of limb, heart failure without going broke.

With them, you will receive an amount of money that will cover your hospital expenses while you concentrate on getting better.

2. Medical expense covered

Some people make hospital trips lots of times in a month and round the year. Another set of people needs their prescribed drugs in constant supply.

Yet, some other people need to be in constant communication with either their doctors, nurses, or assigned health caregivers.

Whichever it is for you, your insurance covers all these medical expenses even to your dental health. Luckily, you do not have to worry about where the funds for your next health care will come from.

3. Cashless claim benefit

Your health care company most times, work with hospitals. So, to benefit from this, you have to fill out a form and register in such hospitals.

When the need arises, you only get to bring out your insurance health card and instantly get the quality health care you need.

4. Tax benefits

Health insurance companies provide tax benefits for your plan. With your health care plan, you become eligible for tax deductions.

5. Protection over employee cover

The majority of employers have a group health insurance plan for their employees. However, those covers do not have a personal touch to them.

Therefore, this is the more reason why you should get your own health insurance and tailor it down to your specific medical needs.

Conclusion

Finally, Hawaii has its fun and beauties, both the locals and the foreigners take advantage of its wonderful nature. On the other hand, the health maintenance part is shifted to the corner without a single thought to it.

A wise decision requires putting your health and your family’s well-being first, before the fun part. When you settle your health by enrolling in an insurance plan.

You can go ahead and sleep with both eyes closed and also enjoy life’s beauties on a clearer head with no health worries.

It is important to mention that low Income should not be the barrier to your excellent health care in time of need. Also, being out of a job is still not an excuse.

When you ask the proper questions, and meet the right people, you can get health care insurance coverage that can serve you well.

Remember, everyone deserves good health care, regardless of age or gender. What is that your answer to the question we asked earlier in this article?

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The Health insurance companies in Los Angeles alongside other essential things you need to know about Los Angeles health insurance are unveiled.

In the past, many Californians chose not to get health insurance. However, failing to obtain health insurance can result in complications.

You can now be punished if you do not have health coverage that fulfills the minimum essential standards, in addition to the fear of encountering a serious health crisis without the resources to pay for it.

Fortunately, there are several health insurance companies in Los Angeles that can assist you in finding affordable health coverage.

What exactly is health insurance?

Health insurance is a contract in which an insurer agrees to pay some or all of a person’s medical expenses in exchange for a premium.

More specifically, health insurance often covers the insured’s medical, surgical, prescription drug, and occasionally dental expenses.

Health insurance can either repay the insured for medical expenses incurred as a result of illness or accident, or it can pay the care provider directly.

It is frequently included in employer benefit packages to entice quality employees, with premiums partially funded by the employer but frequently withheld from employee paychecks.

With limited exclusions for S company employees, the cost of health insurance premiums is deductible to the payer, and the benefits received are tax-free.

Health insurance companies in Los Angeles

Below are the outstanding health insurance companies in Los Angeles;

1. Brystra Insurance Services

Brystra Insurance Services is a Los Angeles-based insurance brokerage. Their team focuses in employee benefits and human resources.

It entirely digitally enrolls its clients and supports a paperless atmosphere. It is one of the most reputable health insurance companies in Los Angeles.

2. Ez Center Insurance Services

For more than three decades, EZ Center Insurance Services has been serving consumers in and around Los Angeles as a locally owned and independent insurance firm.

It helps clients obtain health insurance policies, including dental and vision coverage, as well as key person insurance policies.

Personal insurance options include auto, valuable item, condominium, earthquake, flood, and umbrella insurance.

It provides investment property, medical malpractice, special event, and general liability insurance solutions to businesses. It is one of the best Health insurance companies in Los Angeles.

3. Harmony Health Insurance Services

Harmony Health Insurance Services serves the citizens of Los Angeles and the surrounding areas’ health insurance needs.

Susan Fujimoto, the company’s owner and primary insurance agent, has over 20 years of expertise in the sector.

The company assists people and families in obtaining insurance policies that meet their personal needs, backed by their knowledge and competence.

They also assist people in obtaining dental insurance, healthcare sharing ministry plans, and Medicare supplement insurance. It is one of the more reputable Health insurance companies in Los Angeles.

4. Health Insurance Brokers LLC

Health Insurance Brokers LLC, founded in 2004, is a collection of independent health insurance brokers based in Los Angeles.

It provides healthcare solutions that are both ACA and non-ACA compliant, such as short-term coverage plans, indemnity plans, association-sponsored health plans, and healthcare sharing ministry plans.

Also, it also offers Medicare Supplement plans and Medicare Advantage plans. It also provides services for group health insurance.

LifeSecure Insurance Company, ManhattanLife Insurance Company, and National General Insurance are just a few of the insurance firms that Health Insurance Brokers represent.

5. Kamkar Insurance

Kamkar Insurance is a full-service insurance agency that serves Los Angeles residents and companies.

It provides a wide range of personal and business insurance products to its customers, including health, life, auto, liability, workers’ compensation, and homeowners’ insurance.

The firm works with insurance firms such as AIG, Safeco Insurance, Progressive, Travelers, and MetLife to locate the coverage that best meets the needs of its clients.

Since 1988, Kamkar Insurance has been serving the community. It is one of the best Health insurance companies in Los Angeles.

6. Roxbury Insurance Services

Roxbury Insurance Services, founded in 2007, is a Los Angeles-based independent insurance agency that provides health insurance.

It offers Medicare Supplement, Medicare Advantage, Medigap, Medicare Prescription, and Medicare Rx Part D insurance.

In addition, it provides group health insurance. Roxbury Insurance also offers life insurance, auto insurance, homeowners insurance, rental property insurance, business insurance, and flood insurance.

Roxbury Insurance is a member of the Western Insurance Agents Association and Professional Insurance Agents Western Alliance. It is one of the more reputable Health insurance companies in Los Angeles.

7. Solid Health Insurance Services

Solid Health Insurance Services, one of the more reputable Health insurance companies in Los Angeles is a health insurance service in Los Angeles that serves consumers throughout the city.

It provides individual and group health insurance, as well as dental and vision care and hospital indemnities.

Barbara Kempen, the company’s owner, and her team work with each client to customize their coverage needs. Barbara, who has over 25 years of business management expertise, also advises her clients on their business insurance needs.

Other services offered by the company include travel, disability, and long-term care insurance.

8. Health Net

Health Net, based in Los Angeles, was started in 1977 and presently serves 5.9 million people throughout all 50 states.

They provide HMO, HCSP, EPO, and PPO plans and are available in the majority of California counties.

9. L.A. Care Health Plan

L.A. Care, as a non-profit health plan, believes in offering high-quality health care at a reasonable cost. With 1.6 million members, they are the nation’s largest publicly operated health plan. L.A. Care provides HMO plans.

How does Health Insurance Work

Health insurance might be difficult to understand. For the highest level of coverage, managed care insurance plans require policyholders to seek care from a network of certified healthcare providers. Patients must pay a higher percentage of the cost if they seek care outside of the network. In rare situations, the insurance company may even refuse to pay for services obtained outside of the network.

Many managed care plans, such as health maintenance organizations (HMOs) and point-of-service plans (POS), require patients to select a primary care physician who oversees the patient’s care, makes treatment recommendations, and refers patients to medical specialists.

In contrast, preferred provider organizations (PPOs) do not require referrals but do have lower rates for using in-network practitioners and services.

Insurance companies may also refuse coverage for services provided without prior authorization. Furthermore, insurers may refuse to pay for name-brand pharmaceuticals if a generic version or comparable prescription is available for a cheaper cost.

All of these criteria should be specified in the insurance company’s documentation and thoroughly evaluated. Before spending a large expense, it’s a good idea to verify with your employer or the company directly.

Copays, which are set fees that plan subscribers must pay for services such as doctor visits and prescription drugs; deductibles, which must be met before medical insurance will cover or pay for a claim; and coinsurance, a percentage of healthcare costs that the insured must pay even after they’ve met their deductible (and before they reach their out-of-pocket maximum for a given period), are becoming more common in medical insurance plans.

Insurance policies with greater deductibles typically have lower monthly premiums than plans with lower deductibles.

Individuals must consider the benefits of decreased monthly payments against the potential danger of big out-of-pocket spending in the event of a serious illness or accident when looking for coverage.

Benefits of medical insurance companies

You can get medical insurance policies for each family member based on their personal needs. The following are the primary advantages of having medical insurance:

Financial security

Within a certain extent, you are financially protected against the costs of treating a wide range of ailments.

The cashless claim procedure

If you are hospitalized to a network hospital, your insurer will settle the cost directly with the hospital, with no payment required from you.

Types of health insurance

There are two main types of health insurance: private and public, or government-provided. There are a couple more particular types as well. Each of these will be examined in greater depth in the sections that follow.

Private medical insurance

According to the Centers for Disease Control and Prevention (CDC), the United States’ healthcare system is highly reliant on private health insurance. According to the National Health Interview Survey, 63.7 percent of adults under the age of 65 in the United States have some form of private health insurance coverage.

Public medical insurance

In exchange for a premium, the state subsidizes healthcare under this type of insurance.

In the United States, examples of public health insurance include Medicare, Medicaid, the Veterans Health Administration, and the Indian Health Service.

Other kinds of medical insurance

Some individuals describe an insurer based on how it runs its programs and interacts with providers. Here are some samples of the various types of plans that are accessible.

Plans for managed care

The insurer will have contracts with a network of providers to provide lower-cost medical treatment to its policyholders under this type of plan. Out-of-network hospitals and clinics will face penalties and increased expenses, although they will still provide some treatment.

The more expensive the coverage, the more likely it is to be flexible with the hospital network.

Plans based on indemnity or fee-for-service

A Fee-for-Service plan pays for treatment equally across all providers, allowing the insured to choose their preferred location of care. On an indemnity plan, the insurer will normally pay 80 percent of the costs, with the individual paying the remaining costs as coinsurance.

Plans for a Health Maintenance Organization

These are organizations that give direct medical care to the insured. A dedicated primary care physician will normally be assigned to the policy to coordinate all essential care.

Health Maintenance Organization (HMO) plans typically only cover services referred by a primary care physician and have negotiated prices for each medical service to reduce costs. This is typically the least expensive sort of package.

Plans for Preferred Provider Organizations

A Preferred Provider Organization (PPO) plan, like an indemnity plan, lets the insured to see any doctor they want. In addition, the PPO plan has a network of recognized providers with whom it has negotiated rates.

Treatment from out-of-network providers will be reimbursed at a lower rate by the insurance. People with a PPO plan, on the other hand, can self-refer to specialists without visiting a primary care physician.

Plans for Point-of-Service

A Point-of-Service plan combines the benefits of an HMO with a PPO plan. The insured has the option of organizing all treatment through a primary care physician, receiving treatment through the insurer’s provider network, or using non-network doctors. The therapy progress will be determined by the type of plan they have.

Medical Expenses Coverage

You never know when a chronic illness problem will strike you or a loved one. If you have a family floater or individual health policy, your insurer will take care of the medical expenditures, allowing you to focus on the treatment process. The following are the advantages of having health insurance:

The option of going cashless or reimbursing expenditures

If you choose adequate coverage, you won’t have to spend anything out of pocket if you use cashless treatment facilities.

Take the patient to any of the network hospitals that your insurer has a relationship with, and notify the TPA (third-party administration) and the insurer as soon as possible.

The insurer would directly settle the bill with the hospital. Alternatively, you can seek treatment at any hospital or healthcare provider of your choosing and make a reimbursement claim with the insurer by producing original bills and appropriate paperwork.

Aside from hospitalization costs, there are other advantages.

Ambulance services up to a specific sum are also provided by insurers, as is coverage for online or e-consultations, expenses for harvesting a major organ from a donor, lifelong renewability choices, free preventative health check-ups, and other services.

Treatment options

Some insurance pay the costs of alternative treatments such as AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) and Naturopathy.

Other services include cashless daycare treatments, home treatment under doctor’s orders, and pre and post-hospitalization charges up to a specified limit.

Alternative treatments and maternity benefits

Several insurers include maternity costs in their health insurance policies. This is especially advantageous for young couples who are planning or expecting a child.

Conclusion

Health insurance contributes to the cost of an insured person’s medical and surgical bills. There are several types of plans, and they differ in terms of what they cover and how a person can obtain therapy.

An individual in the United States is currently required to have some type of health insurance coverage. Anyone who does not have insurance may be fined.

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Here are top Health insurance companies in Florida everyone ought to know. When it comes to health and its maintenance, every other aspect of our lives as humans takes a seat and pays attention.

Daily, we deal with issues that in one way or the other, affect our health directly or indirectly but most times, we do not stop to find out until it takes its toll on our health.

However, it is a known fact that health-related issues and health maintenance can be quite expensive and pocket-cleaning, especially in places like Florida.

It is for this reason that people seek out health insurance companies to help ease the expensive process of health maintenance.

Whether you are coming across a topic like this for the first time or you have an idea but do not know how health insurance operates, kindly stay reading and find out all you have to know about health insurance companies in Florida and how they operate.

Generally, health insurance is a type of medical coverage that takes care of your medical expenses when you are sick.

It is an easy way to pay for your medications, doctor’s consultation fees, or the case of ambulance charges and hospitalization.

In line with this, everyone should have their health insured because, everyone, no matter the age and health status, is entitled to quality and excellent medical care.

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Health insurance companies in Florida

In Florida, it is very possible to spend almost your income on healthcare more than in other states in the United States of America.

And this is according to a verified report. So, this shows that a non-health-insured individual could go very broke if illness decides to come knocking.

Types of healthcare insurance plans in Florida

Furthermore, Florida is among the leading states with a high number of residents and therefore are required by the FEDERAL AFFORDABLE CARE ACT (ACA) to have their health insured.

Again, there are types of healthcare insurance plan options available for Floridians. These includes:

• Short term health insurance plan:

This is a temporary medical insurance plan which covers your health insurance temporarily until you get another that is suitable and longer. The short-term health insurance company may provide budget-friendly monthly payments.

• TriTerm medical insurance:

TriTerm medical insurance is another short-term health insurance that covers preventive care, doctor office visits, and also prescriptions. After 12months on this plan, the expenses of any eligible preexisting illness will be covered.

• Hospital and Doctor insurance plan:

This offers the kind of coverage that pays cash for eligible medical services like surgical procedures, doctor’s visits, and any emergency medical care. There are no deductibles or co-pays to pay first.

• Accident and critical illness insurance plan:

The insurance gets you covered at the time of unforeseen circumstances like accidents and critical illness.

Instead of wiping off your funds, it saves you the financial headache by paying cash to cover the illness or injuries sustained from the accident. Preexisting conditions may be covered with this plan.

• Florida dental and vision plan:

Covers the dental and visual needs of the people involved. It has no age limitations.

Best health insurance in Florida

For your peace of mind and well-being, it is very wise to always opt for the best healthcare available for yourself and your loved ones.

For you to achieve this feat, the right thing to do is to look around for the best health insurance in Florida and get your health insured.

Here, we have compiled a comprehensive list of the best health insurance companies in Florida. These companies rank high in the state for their excellent services in the health insurance industry. Therefore, this list will help you make an informed decision about your health insurance plan. In no order of preference, they include:

• Aetna Health Insurance Company

Aetna has proved over time to be qualified to stand side by side with other great health insurance companies in Florida.

The company is licensed with the Florida Department of Insurance that offers its clients protection if at any time the company is not able to pay a claim.

Aetna has a wide variety of health insurance packages which includes big and small businesses, individual and public health coverage.

• Avalon Healthcare Company

Avalon healthcare company is another insurance company that strives for excellence. They give you the option of a 24 hours call-in nurse for your medical concerns. Not only that, they make it easier for their clients to choose for either:

Health savings account plan that offers you coverage of the medical expenses with a yearly calendar with pre-tax dollars.

1. Co-pay plan which gives you the most coverage plan available
2. A high deductible plan has the highest deductible pay

• Blue Cross and Blue Shield of Florida (BCBSFL)

This healthcare company is a well-known brand in the state of Florida. Their services cuts across the globe with at least a hundred million people using their healthcare plan.

Blue Cross and Blue Shield have a supplement insurance plan for older people from sixty-five years and above who reside in Florida.

Aside from that, they are licensed with the Florida Department of Insurance. Also, they provide group, individual, and reduced health insurance plans.

• UnitedHealthcare

Founded in 1977, it is among the biggest health insurance provider in the United States. The company is known for its approach to technology for the proper output of its services. UnitedHealthcare also has facilities for virtual mental health services which is among the biggest in the country.

Their healthcare plan prices are different in each state, and dependent on your health habit (smoker or none smoker), age, family size, and also according to the plan type you selected.

UnitedHealthcare offers other services ranging from health insurance, Medicaid, short-term insurance, Medicare, supplement coverage, dental, and vision. UnitedHealthcare is a subsidiary of UnitedHealthcare Group.

• Cigna

Cigna has over the years built a solid reputation for itself as a health care insurance company. Dated back to 1792, this company has earned high ratings with AM Best and rankings from NCQA for its quality services.

Cigna offers health coverage to about one hundred and eighty million customers in thirty countries. It works with over five hundred hospitals and more than sixty-seven thousand pharmacies in the United States.

More so, Cigna works alongside over one hundred and seventy-five thousand mental and behavioral health providers in the country.

The company also has a delivery system that offers 90-day home delivery of prescribed drugs for a user. Recently it added digital therapy to its many services.

• Oscar

Established in 2012, although it doesn’t have any ratings yet Oscar is a technology and innovation-driven healthcare company.

One of its unique services is a 24hour unlimited free call option to the company’s doctor. A dedicated team of nurses to guide and answer all your healthcare questions like lab results, records, deductibles, and more.

Cheap healthcare insurance in Florida

There has been a major increase in health insurance prices in Florida over the years. Recently, a report showed that the average cost of health insurance for a person in the state of Florida is $7,389.

Though insurance costs vary based on the cost of care. Still, this has become a concern for Floridians who want to get their health insured.

Luckily for the low-income earners, there are still lots of good but cheap health insurance in Florida. Though, they may be hard to find because of the buzz from the expensive health insurance companies.

Again, there are things to consider when thinking about health care insurance. Factors like your income level, health care needs, county, and the age of the person looking to be insured. This means that prices of insurance differ from county to county in the state of Florida.

Also, a younger person gets a cheaper health insurance price than an older person. That is, the older the person, the higher the price of health care insurance.

However, if you aim to secure a cheap health insurance plan in Florida, those factors mentioned should guide your decision.

According to research, the AMBETTER Company has the cheapest health insurance in most counties in Florida.

Other cheap health insurance by metal tier

Free health insurance in Florida

Free health insurance in Florida still exists because some residents can not afford even cheap health insurance.

This was made possible so that even the lowest income earner can be able to access medical care when necessary.

Therefore, you do not have to go through the health insurance companies for you to be able to access free health care. Instead, you will have to apply for Medicaid or Medicare programs.

Medicaid is a health care insurance avenue through which the federal government in partnership with the state government provides good medical care for low-income Floridians.

You have to be eligible before you can be covered. First, be a resident of the state of Florida, an income earner, a United States citizen, and in need of health care assistance.

Other criteria that help you qualify for Medicaid are the following:

1. Disability or a disabled family member
2. Pregnancy
3. Have a child that is 18 years or below
4. Blindness
5. Be 65 years or older

The Medicaid program has three parts:

• The Managed Medical Assistance (MMA) covers medical services like mental health care, prescribed drugs, doctor’s visits, hospital care, and transportation for these services.
• Long-term care provides nursing facilities, assisted living. To be qualified for Long Term Care, you must be 18 years and above and meet nursing home or hospital level of care
• Dental provides all the Medicaid dental services for both children and adults. Everyone on Medicaid must be on the dental plan.

On the other hand, Medicare is a federal program that provides health coverage for persons who are both under 65 years or above and have a disability, regardless of their income.

You can qualify for both Medicaid and Medicare programs if you meet all the requirements.

For your children below the age of 19 years, you can enroll them in Florida’s KidCare program called MediKids. MediKids is a free health insurance program for children.

Enrolling your child or children in this program will help you save costs in case of any health challenge or health emergency.

Things you should know before picking up any health insurance plan

While it is a wise decision to have your health insurance in place, it is also important that you consider some things so that you won’t have to regret your decision later.

• Know the total cost for your intended health care plan: Your income allows you to decide what type of insurance you should go for. Remember, you pay a monthly amount to your insurance company. It does not matter if you need their services or not for that month.
• Type of health care plan and provider: Some plan or health care insurance packages gives you access to doctors, prescribed drugs, and health care facilities of your choice but others limit your choices or charge you extra for that.
• The Metal tier categories:

The metal tier helps you to see how you share the cost with your plan. There are Bronze, Silver, Gold, and Platinum tiers.

Benefits of health care insurance in Florida

We already know that it is good to have our health and that of our family insured but there are other perks added to it.

• Financial security: It feels very comforting to know that you do not have to break your bank in case of accidents, illness, or health emergencies.
• Pre-Existing illness coverage: In the case of pre-existing illness, your health care insurance makes sure you do not go broke from managing what was not your fault in the first place.
• Peace of mind: Finally, you get to worry less about your health or emergencies and focus more on other important things that you need to do.

In conclusion, the state of Florida has a good and well vast ideology of health maintenance. It is always beautiful to see people who take care of their health needs by themselves and a government that runs an inclusive society where the poor get to enjoy good health care just like the wealthy ones.

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Health Insurance Companies in Alaska: All You Need to Know About Health Insurance in the USA.

Getting sick in the USA is not a cheap pleasure. The healthcare system in the United States is the most expensive in the world.

For each inhabitant of the country, the government spends about $15,000 a year, and the annual turnover of the amount to pay for medical programs costs the state $3 trillion.

The state pays health insurance only for poor citizens, the disabled, the elderly, and other needy.

In this material, we will consider the health insurance system in the United States: what is its cost, and what are the ways to apply for it?

What Is Health Insurance and Who Needs It?

Health insurance in the United States is a contract with an insurance company, under which you pay a certain amount to the insurance company every month, and it, in turn, takes on part of the medical expenses in case of your illness.

Medicine in America is very expensive, so insurance cannot be neglected. Another strong argument in favor of running away and entering into a contract is that according to the Affordable Care Act, health insurance is mandatory for all legal residents of the country. For its absence, even a fine is provided (on average, $350-400).

For reference: US citizens, green card holders, refugees, persons who have received political or humanitarian asylum, as well as holders of non-immigrant visas (including work and student visas) are considered legal residents.

How to Get Health Insurance?

Depending on your life circumstances and income level, health insurance in the USA you can:

• Purchase it independently;
• Part of the costs is borne by the state;
• The state pays the insurance in full;
• The employer pays insurance, fully or partially.

What Are the Types of Health Insurance?

HMO – health maintenance organizations. The cost of health insurance in the United States of this type is the lowest. All because of the very limited number of doctors and medical institutions that you can visit.

You will need to be treated in the same network and you will have a primary physician who will make referrals to other specialists. Coverage does not include out-of-network services, except for emergency medical care.

PPO – preferred provider organizations. The network of institutions is still present, but it is much wider. You can be treated both in the institutions of the network and outside it (but the conditions in the network will be much more favorable).

In addition, you do not need to take a referral to specialists; they will accept you with and without insurance. Buying health insurance in the US of this type will cost much more than all the others.

There are also other, less popular types of insurance. Point-of-service (POS) means that by using the services of doctors and hospitals from the network, you will pay less. An Exclusive Provider Organization (EPO) is the same as an HMO, only without the primary doctor and mandatory referrals to specialists.

Insurance coverage can be obtained in one of the following ways:

• An employer-sponsored health insurance program.
• A health insurance program paid for by the spouse’s employer.
• A health insurance plan paid for by the parent’s employer, provided the insured is under 26 years of age.
• Paid insurance program. Individual health insurance may cover spouse and children. This program is also available through the Affordable Care Marketplace (ACA).
• Renewal of COBRA insurance. COBRA is a law that gives people the right to renew coverage under an employer’s insurance program after a job loss, death of a spouse, divorce, or loss of dependency coverage. COBRA lasts up to 18 months.
• Public health programs such as Medicaid or Medicare, provided the subject is eligible if they fall into a certain category. Medicaid is a state and federal insurance program for low-income individuals and families. Medicare is a program for people aged 65 and over and for young people with certain disabilities. Moreover, the Children’s Health Insurance Program (CHIP) covers children from low-income families.
• Short-term health insurance program. Most Americans now have access to these kinds of programs. They have limited benefits, but a low insurance premium. The duration of such a plan is one year (participants can request an extension twice).
• Association health insurance program. Small companies and individual entrepreneurs, when combined, can purchase general health insurance. This program is not expensive and offers some benefits.

From 2016, employers with at least 50 employees must provide medical benefits to 95 percent of their full-time employees (those who work more than 30 hours a week) or pay a fine. Coverage is for employees and their dependents, but not spouses.

What Are Insurance Plans and How Much Does it Cost?

Depending on the percentage of coverage of medical expenses, there are five basic insurance plans:

• Platinum – about 90% is paid by the insurance company;
• Gold – the insurance company pays about 80%;
• Silver – the insurance company pays about 70%;
• Bronze – the insurance company pays about 60%;
• The minimum insurance – designed for emergencies only and is available only to persons under 30 years of age or to those who can confirm that they are in a difficult financial situation.

It is also worth remembering that insurance plans differ in many important points. There are:

• Co-pay (a fixed amount that you pay for each medical service, and the rest is covered by the insurance company);
• Deductible (the amount that you need to spend before the insurance coverage);
• Co-insurance (you pay a certain percentage of the cost, the rest is the insurance company);
• Out-of-pocket maximum (the maximum amount, after spending which during the year you begin to receive 100% coverage from the insurance company).

Dental and eye insurance are traditionally purchased separately. Dental services include only children’s medical insurance in the United States.

The cost of insurance for the most part will depend on your income, region, and chosen insurance plan. For example, Kaiser Permanente HMO insurance in 2016 for a family of one will cost from $160 (minimum insurance plan) to $315 (platinum plan) per month. To calculate the cost directly for you, use the special Shop and Compare Tool calculator on the official Covered California website.

Where to Buy Insurance?

You can buy health insurance in the US through the Health Insurance MarketPlace. This is such an insurance market. There is a national resource, but some states have their own websites.

Some states operate their own exchanges, while the rest of the states operate their own exchanges through the HeathCare.gov website.

You can go to HeathCare.gov and find a link to a state-specific market, or call 1-800-318-2596 for information.

The state exchange can be contacted for:

• Requesting financial assistance,
• Comparing health insurance programs in a particular area,
• Purchasing a policy.

Although the exchanges are government-run, they also offer private health insurance programs. In addition, the exchange can be used to find out if a person is eligible for Medicaid or the Children’s Health Insurance Program.

When to Buy A Health Insurance?

insurance in the US A health policy is purchased or modified during open enrollment. Most Americans get a policy through their employer.

Different companies have different periods of open registration, so the exact dates of registration are clarified directly with employers.

Medicare open enrollment runs from October 15 to December 7. The Medicaid program does not have a specific period, so enrollment is possible all year long, unless, of course, the insured is eligible for the policy.

The annual open enrollment period for individual and market health insurance programs in most states run from November 1 to December 15.

If the policyholder misses the policy purchase deadline without special circumstances, then he will have to wait for the next open enrollment period next year.

Special circumstances that allow enrollment outside a certain period include; marriage, loss of health insurance policy, the birth or adoption of a child, moving to an area with other health insurance programs, or other unforeseen circumstances that affect eligibility for financial assistance to purchase insurance coverage.

Health insurance companies in Alaska

Speaking of Health Insurance Companies of Alaska, there are a number of health insurance companies in Alaska, which can be divided on:

• Individual and Family Health Insurances (HS – Moda Health, HS – Premera Blue Cross Blue Shield of Alaska);
• Dental Insurances (Golden Rule Insurance Company, HS – BEST Life, Standart Life and Accident Insurance Company);
• Medicaid

Anyone who is interested in purchase of health insurance can buy it via health insurance marketplace, like HealthCare.gov.

However, the availability of some health insurance plans depends on your location within Alaska.

For instance, there are 11 plans available now for residents of Anchorage, Anchorage Borough, while only 7 plans are available for residents of Adak, Aleutians West Census Area.

Health insurance plans in Alaska are usually divided into 3 tier levels: Bronze (Bronze Extended), Silver, and Golden. Speaking of them, the cost of each plan depends on its tier lever and the age of insured persons.

For instance, Bronze Expanded plan costs about $370 for a 21-years-old person while for the 60-years-old person it will cost almost $1000.

Price list of most common health insurance companies in Alaska

Here is a price list of the most common health insurances in Alaska offered to a middle-aged person from Moda Health and Premera Blue Cross Blue Shield of Alaska Health Insurance Companies:

• Moda Pioneer Bronze 6500: estimated monthly premium – $398; deductible – $6,500 individual total; out-of-pocket maximum – $8,000 individual total;
• Moda Pioneer Silver 4500: estimated monthly premium – $624; deductible – $4,500 individual total; out-of-pocket maximum – $7,350 individual total;
• Moda Pioneer Gold 1500: estimated monthly premium – $570; deductible – $1,500 individual total; out-of-pocket maximum – $6,000 individual total;
• Premera Blue Cross Preferred Bronze 5800 HSA: estimated monthly premium – $451.11; deductible – $5,800 individual total; out-of-pocket maximum – $7,000 individual total;
• Premera Blue Cross Preferred Silver 3000 HSA: estimated monthly premium – $695.16; deductible – $3,000 individual total; out-of-pocket maximum – $7,000 individual total;
• Premera Blue Cross Preferred Gold 1500: estimated monthly premium – $594.96; deductible – $1,500 individual total; out-of-pocket maximum – $6,300 individual total.

To Conclude

In America, insurance medicine with its voluntary health insurance guards the health of its clients, guaranteeing not only to pay for the provided medical service but also high-quality treatment with traditional medicines.

In the article, we discussed all the perks of the health insurance system in America and in Alaska particularly, what health insurance possibilities are available for residents and what plans are available now as well. However, which plan to choose and which company is up to you!

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There are many health insurance companies in Texas that are devoted to making sure Texans enjoy the ideal health they deserve.

Among the cardinal things to look out for is ones’ health. There is a saying that good health is better than wealth, which is to clarify how important having ideal health is.

Most people know of this fact but the cost of health maintenance most times could be out of range and beyond the reach of most thus, one of the essences of the health insurance companies in Texas.

On average, about $6,000 is spent individually in Texas which confirms the high cost of health maintenance.

Health insurance is a contract that requires an insurer to pay some or all of a person’s healthcare costs in exchange for a premium.

It is a type of insurance that helps cover the cost of an insured person’s medical and surgical expenses, prescription drugs, and sometimes dental expenses incurred by the insured.

Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.

Understanding how these health insurance companies in Texas operate is the right step in the right direction.

Some plans require policyholders to receive care from a network of designated healthcare providers for the highest level of coverage.

If patients seek care outside the network, they must pay a higher percentage of the cost. In some cases, the insurance company may even refuse payment outright for services obtained out of network which is one of the reasons you have to know about a particular health firm before working with them.

Let’s learn about the top health insurance firms in Texas everyone ought to know. Meanwhile, it is essential to note that this list is in no order of ranking.

Top health insurance companies in Texas

Below is a comprehensive list of the health insurance companies in Texas that are popularly known for their outstanding healthcare services;

• Aetna Health and Life Insurance Company

Address: 151 Farmington Avenue Hartford, CT 06156 USA

Telephone: 1-800-US-AETNA (1-800-872-3862)

Website: click here

Founded: May 28, 1853

Founder: Eliphalet Adams Bulkeley

Headquarters: Hartford, Connecticut, U.S.

Area served: United States and expatriates

• All Savers Insurance Company

Phone:  1-866-405-7174

Email: [email protected]

Address: United HealthCare Services, Inc. 3100 AMS Boulevard P.O. Box 19032 Green Bay, WI 54307-9032

Website: click here

• Ambetter from Superior Health Plan

Address: 3900 N 10th St, McAllen, TX 78501, USA

Phone: +1 877-687-1196

Website: click here

• Amerigroup Insurance Company

INCORPORATED: 06/19/1995 ;

ADDRESS: 4425 Corporation Lane Virginia Beach, VA 23462 United States

Website: visit here

• Ameritas Life Insurance Corporation

Address: 5250 Prue Rd Ste 445 San Antonio, TX, 78240-1757 United States

P.O. Box: 81889

Phone: 800-311-7871

Fax: 402-325-4190

• BCBSTX, A Division of Health Care Service Corporation

Address: Blue Cross and Blue Shield of Texas P.O. Box 660044 Dallas, TX 75266-0044

Phone: 800-259-3668

Headquarters location: Richardson, Texas, United States

Founded: 1929

Ceo: James G. Springfield

Revenue: $1.10 billion

• Bright HealthCare

English: 844-926-4524

Español:  844-926-4523

Website: visit here

• Celtic Insurance Company

Phone: 1-800-477-7870

Website: click here

• CHRISTUS Health Plan

Address: 5825 Old Bullard Rd #500, Tyler, TX 75703, United States

Phone: +1 903-607-7526

Website: visit here

• Cigna Health and Life Insurance Company

Address: 2208 Hwy 121 #210, Bedford, TX 76021, United States

Phone: +1 800-826-6762

• Community Health Choice

Address: 2636 S Loop W #125, Houston, TX 77054, United States

Phone: +1 713-295-2222

Website: click here

• FirstCare Health Plans

Address: 1901 W Loop 289 UNIT 9, Lubbock, TX 79407, United States

Phone: +1 806-784-4300

Website: visit

• Freedom Life Insurance Company of America

Address: 300 Burnett St, Fort Worth, TX 76102, United States

Phone: +1 817-878-3303

Website: visit here

• Hartford Life and Accident Insurance Company

ADDRESS: 1 Hartford Plaza Hartford, CT 06155 United States

PHONE: 1-860-547-5000

INCORPORATED: 09/09/1993

• HCSC Insurance Services Company

Address: 1001 E Lookout Dr, Richardson, TX 75082, United States

Phone: +1 469-804-5752

• Life Insurance Company of North America

Address: 2500 Legacy Dr # 130, Frisco, TX 75034, United States

Phone: +1 888-362-1214

Website: visit

• Lincoln Life Assurance Company of Boston

Address: 1227 W Magnolia Ave #202, Fort Worth, TX 76104, United States

Phone: +1 817-926-9757

• Metropolitan Life Insurance Company

Address: 2615 Calder Ave STE 420, Beaumont, TX 77702, United States

Phone: +1 409-832-6344

• Moda Health, Inc.

Address: 601 SW 2nd Ave, Portland, OR 97204, United States

Phone: +1 877-605-3229

Website: click here

• Molina Healthcare

Address: 5605 N MacArthur Blvd Ste 400, Irving, TX 75038, United States

Phone: +1 877-665-4622

Website: click here

• Oscar Insurance Company

Address: 5921 S Gessner Rd, Houston, TX 77036, United States

Phone: +1 713-271-8889

Website: visit here

• Principal Life Insurance Company

Address: 5080 Spectrum Dr #1200e, Addison, TX 75001, United States

Phone: +1 972-980-9990

Website: click here

• Sun Life Assurance Company

Address: 500 Linden Oaks # 310, Rochester, NY 14625, United States

Phone: +1 585-383-8330

Website: click here

• Superior Healthplan Network

Address: 5900 E. Ben White Blvd. Austin, TX 78741

Phone: 1-877-687-1196

Website: click here

• Wellcare Prescription Insurance, Inc.

Address: 742 Northwest Loop 410 #117, San Antonio, TX 78216, United States

Phone: +1 210-796-5519

Health insurance in Texas

Texas state insurance industry is regulated by the Texas Department of Insurance which oversees the administration of the Texas workers’ compensation system, and performs the duties of the State Fire Marshal’s Office, alongside other important wonderful actions.

The Texas Department of Insurance can help with issues involving insurance companies and health plans and people we regulate. We don’t regulate most health plans.

The insurance commissioner is the agency’s chief executive and administrative officer. The commissioner administers and enforces state insurance laws and applicable laws that grant jurisdiction to the commissioner.

The Division of Workers’ Compensation, under the direction of the division’s appointed commissioner, oversees the administration and operation of the Texas workers’ compensation system.

Some small employers in Texas offer health insurance to their employees. Texas insurance law defines a small employer as a business with two to 50 persons. If you provide health insurance, you must offer it to all your employees who work 30 hours or more each week. You must also offer coverage for their dependents. Business owners can enroll in their small-employer health plan if at least one of their employees also enrolls.

Top Factors that determine the cost of health insurance in Texas

1. Policy
2. Household income
3. Family size
4. Age
5. Insurance plan(Bronze, Silver, and Gold)

• Steps to get affordable health insurance in Texas

If you are interested in knowing how to get the right health insurance package for you, these steps are essential for you to follow;

• Check for plans that are suitable for you

Understanding a plan you want to go for is a clever approach to follow as mentioned earlier because every Health Insurance plan in Texas has its unique benefits although they all aim at providing quality healthcare service.  It is equally essential you consider the plan that covers your health needs.

• Stay Connected

Provider networks are associations of physicians, hospitals, and other health providers who have agreed to collaborate on the health plan.

• Check for the companies review

There are different health insurance companies in Texas that have different modes of operations. Checking for what people say and feel about a particular company will assist you in choice-making.

• Save on the coverage of your prescription

Take a quick look at the package to see how you get coupons for the use of some drug or mail-order pharmacy facilities.

Best health insurance in Texas

Below is the list of top 10 health insurance companies in Texas everyone ought to know;

1. All Savers Insurance Company
2. Amerigroup Insurance Company
3. BCBSTX, A Division of Health Care Service Corporation
4. CHRISTUS Health Plan
5. Cigna Health and Life Insurance Company
6. Freedom Life Insurance Company of America
7. HCSC Insurance Services Company
8. Moda Health, Inc.
9. Oscar Insurance Company
10. Principal Life Insurance Company

Frequently asked questions about health insurance companies in Texas

Does Texas require you to have health insurance? Texas residents are not required to have health insurance under state law. However, the Affordable Care Act does mandate a health insurance requirement on a federal level that includes Texans.

Texas utilizes the federal exchange for health plans and has one of the highest enrollment rates in the country.

What are the approaches to get health insurance in Texas? Health insurance Plans are available to residents through the federal exchange and private insurance companies.

What is the cheapest health insurance in Texas? The cost of health insurance in Texas is determined by different factors as mention above. On an average, the cheapest health insurance in Texas starts for as low as $153 per person for major medical plans.

Here are the Tips for Maintaining Health in Today’s Modern Era everyone ought to know.

Good health is one of the most important assets one can have. After all, it’s one of the major driving factors for leading a happy and successful life.

In contrast, deteriorating health conditions can cause major complications in personal and professional life, especially in the long run. However, despite the significance of physical and mental well-being, not many of us are able to maintain it.

In today’s fast-paced world, work stress continues to push our minds to the limit, leading to burnout and anxiety.

At the same time, harmful substances in our food and environment gradually damage our bodies. All of this makes maintaining health and vitality incredibly difficult.

Our overall well-being is more vulnerable than ever before. So, to help you maintain your health, here are four effective tips.

Avoid addictive substances

People occasionally deviate from the path of a healthy lifestyle to try out new yet harmful recreational activities. However, many end up regretting their decisions later in life, as they fall prey to the addictive nature of such recreational activities.

For instance, many people who only occasionally indulge in smoking or alcohol use gradually start to form an addiction while being unaware.

Therefore, it’s crucial to avoid using addictive substances completely, rather than risking ruining your entire life. Being trapped in the vicious cycle of addiction causes many health issues, ranging from psychological problems to deteriorating physical health.

Unfortunately, people who indulge in drugs and alcohol misuse are unable to let go of this habit. But this doesn’t mean that they can’t get rid of it.

Through counseling, medication, and support, it’s possible to break away from addiction and regain health once again.

Addiction treatment facilities have effective treatments and skilled professionals that can help one eliminate addictive habits. So, if you’re suffering from addiction, visit the Delphi Health Group and ensure a healthy future.

Exercise regularly

Physical activity can undeniably go a long way toward helping you live a healthier life. From helping you maintain physical health to improving mental well-being and reducing the risk of many diseases, exercise is an integral part of an ideal lifestyle.

More importantly, exercise is a great way to combat the health threats that our bodies are vulnerable to in this modern age.

For example, regular aerobic exercise can help you reduce body fat around organs that may be building it up due to harmful foods. In contrast, physical inactivity only increases your risk of obesity and cardiovascular issues, which may even prove to be fatal.

Furthermore, a few minutes of exercise during the day can energize your body and improve your mood by triggering the release of endorphins.

As a result, you can utilize the full potential of your mind and body throughout the day, demonstrating peak performance.

But what’s best is that endorphins can also help you overcome depression, stress, and anxiety resulting from work and other responsibilities.

However, if you don’t have a few minutes to reserve for exercise, you can incorporate physical activity into other tasks. For example, you can use the stairs instead of an elevator and go for walks during a lunch break at work.

Follow a healthy diet

Over the years, the food we eat has become chemically contaminated due to the excessive use of industrial and agricultural chemicals and preservatives.

For example, processed and red meat have both been classified as carcinogenic. As a result, it’s now more important than ever to follow a healthy diet to provide our bodies with the nutrition it needs.

A balanced diet with various natural nutrition sources such as fruits, vegetables, meats, and dairy products, has several benefits for the human body. This way, you can avoid chemically contaminated processed foods while gaining a range of different nutrients.

However, it’s best to replace red and processed meat with chicken, turkey, and fish, as they are more beneficial for your body. You can also substitute items like white bread with whole-grain versions to enhance your diet.

But it’s equally important to take the right quantities of food each day. Following a fixed eating pattern and avoiding skipping meals can help you prevent overeating and an out-of-control appetite.

Moreover, it’s best not to overheat food while cooking. It may cause carcinogenic compounds to form while reducing nutrients.

Get enough sleep

When it comes to maintaining health, we often forget about getting enough sleep. Nonetheless, it’s essential to understand sleep’s integral role in our overall wellness.

Lack of sleep can cause severe mental health issues such as depression and decreased brain function. What’s more, poor sleep also impacts our physical health, as our body doesn’t get enough time to recover physically. Consequently, sleep-deprived individuals are often physically exhausted throughout the day.

Therefore, if you want to maintain your health, it’s best to focus on getting enough sleep. However, increased stress and anxiety can indeed make it incredibly difficult to get a good night’s rest.

But by ensuring a comfortable sleeping environment, you can increase your chances of getting deep sleep each night. Furthermore, reducing the use of electronics during the night and going to bed earlier may also help you get sufficient sleep.

Conclusion on the Tips for Maintaining Health

Deteriorating health can be the root cause of many issues you face or will face in life. It can limit you from achieving your goals and hinder your overall progress in life while leading to chronic health issues that can haunt you for years to come.

Therefore, it’s crucial to focus on maintaining your health, especially in the modern era, where health hazards are constantly rising. So, ensure to follow the tips shared above and secure a healthy future.

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The list of health insurance companies in Nigeria is worthwhile, although most Nigerians don’t consider health insurance to be of utmost importance because of the irresponsibility of some health insurance companies and also their ignorance.

In all your plans for a better life never neglect your health or put anything before your health. In the decapitated state of the health system in Nigeria, everyone is expected to have health insurance at all times and levels. Health insurance comes with many benefits that cannot be over-emphasized.

However, the curiosity of some Nigerians to know the list of health insurance companies prompted this write-up. In all things, your health should be taken care of and insured at all costs for emergency cases.

Getting your health and that of your loved ones insured will prepare you for unforeseen circumstances.

Overview of the list of health insurance companies in Nigeria

Health insurance helps individuals and families safeguard health against potential risks that could cost them their lives.

There are the best insurance companies among the list of health insurance companies in Nigeria that help individuals looking to secure their lives from such misfortune.

However, you have to know what you are looking for to pick the right one. In order to do that, there are factors to take into consideration before choosing any health insurance company in Nigeria depending on your plans.

List of health insurance companies in Nigeria

• Avon Healthcare Limited
• Total Health Trust Limited
• Integrated Healthcare Limited
• Prepaid Medical Services Limited
• Mediplan healthcare limited
• Zuma Health Trust
• Hygeia HMO Limited
• Metrohealth HMO Limited
• Axa Mansard Health Insurance
• Clearline International Limited

Avon Healthcare Limited in the list of health insurance companies in Nigeria

Avon is one of the best on the list of health insurance companies in Nigeria. They were duly registered by the regulatory authority (NHIS) to operate as a national HMO in October 2012 but commenced operations in 2013.

This health insurance company is a subsidiary of the Heirs Holdings Group, an investment company committed to the economic transformation of Africa.

Whether you’re an Individual, a Family, an Association, or a Corporate Organisation, their health plans have been created to give you access to quality healthcare services whenever you need them.

They also offer on-site health risk assessment, occupational health management, and employee well-being services, which go a long way in maintaining a healthy and productive workforce.

Total Health Trust Limited 

This is also a renowned health insurance company in Nigeria that offers quality medical insurance services to individuals and public and private corporate bodies.

However, their services are relatively more expensive than most Health Management Organizations (HMO) in the country.

Integrated Healthcare Limited 

This health insurance company makes our list of health insurance companies in Nigeria. It offers medical insurance cover to individuals, families, and public and private corporations across the country.

They also offer emergency services and counseling to their customers. Integrated Health Care Limited is a limited liability company incorporated to carry out the business of health management services. The company was incorporated in 2000.

They have over 21 years of experience and a skilled workforce has positioned them as HMO of choice as we have consistently delivered quality health care services to our clients all over the Country.

Prepaid Medical Services Limited in the  list of health insurance companies in Nigeria

Prepaid Medicare Services Limited is a National HMO duly registered to underwrite health insurance as stipulated in the law establishing the National Health Insurance Scheme in 1999.

over the years it has been one of Nigeria’s most trusted HMOs since 2007

Mediplan healthcare

This is an outstanding health insurance company in Nigeria incorporated in May 2000 to carry on the business of providing healthcare services to corporate organizations and members of the public, under a prepaid arrangement, utilizing a network of primary, secondary, and specialist healthcare providers nationwide.

Zuma Health Trust in the list of health insurance companies in Nigeria

Zuma makes our list of health insurance companies in Nigeria and is in no doubt among the best insurance companies in Nigeria. It is an indigenous registered Health Maintenance Organization.

In 2014, they increased and fully paid up their share capital to the tune of four hundred and five million Naira) N405,000,000 and have since been re-accredited as a National HMO by NHIS to provide Health Insurance Services in Nigeria. They are a major player in the social health insurance industry.

Zuma plays a prominent role in servicing Public Sector clients through various NHIS schemes.

Hygeia HMO Limited in the list of health insurance companies in Nigeria

They offer comprehensive health insurance services to individuals and families as well as SMEs and large corporate organizations.

Hygeia makes the list of health insurance companies in Nigeria and therefore, is an outstanding company to work with. They have variable packages that will suit your health needs.

Metrohealth HMO Limited in the list of health insurance companies in Nigeria

MetroHealth HMO is one of the Nigerian leading health management organizations with an aim to render unparalleled technology-based and comprehensive primary, secondary, and tertiary health care services across the country.

It was registered by the regulatory authority, the National Health Insurance Scheme (NHIS) to operate as a national HMO in 2013.

With over 650 partner hospitals, they are committed to rendering world-class preventive and curative health care services to their clients in the easiest and stress-free method.

Axa Mansard Health Insurance 

AXA Mansard is a member of the AXA Group, the worldwide leader in insurance and asset management with 166,000 employees serving 107 million clients in 64 countries.

It is rated B+ by A.M. Best (2016) for Financial Strength. The Company is an understanding one therefore, made the list of health insurance companies in Nigeria.

Clearline International Limited in the list of health insurance companies in Nigeria

Clearline International Limited is one of the largest health management and medical insurance organizations in Nigeria.

They have been registered for over 20 years of service with effective service delivery hence, they made our list of health insurance companies in Nigeria.

They offer medical insurance services to individuals, families, groups, and corporate bodies.

Among the list of health insurance companies in Nigeria, all listed companies are well researched and their effectiveness in service through review brought about our list of health insurance companies in Nigeria.

However, there are other accredited health insurance companies in Nigeria, we handpick the best of them. Is essential to note that the list of the health insurance companies in Nigeria is in no order of rating. All listed companies are worthwhile and worth visiting.

You are recommended to make your individual research through the links provided on each of the companies to know more about them with the various insurance plan that suits your health and that of your loved ones.

Types of health insurance

One may wonder what the different types of health insurance are. Below is the list of the different types of health insurance;

• Health maintenance organizations (HMOs)
• Exclusive provider organizations (EPOs)
• Point-of-service (POS) plans
• Preferred provider organizations (PPOs)

Health maintenance organizations (HMOs)

This is the most popular health insurance plan in Nigeria. HMOs, give you a local network of participating doctors, hospitals, and other health care professionals and facilities that you are required to choose from.

These types of health insurance plans also require you to choose a primary care provider (PCP) from the network. Your PCP is your home base for medical care.

Exclusive provider organizations (EPOs)

EPO offers you a network of participating providers to choose from. Most EPO plans do not include coverage for out-of-network care except in the case of an emergency.

Point-of-service (POS) plans

Point of service plans combine features of HMO and PPO plans.

Preferred provider organizations (PPOs)

PPOs typically offer you a large network of participating providers so you have a lot of doctors, hospitals, and other health care professionals and facilities to choose from.

You may also choose to see providers from outside of the plan’s network, but you will pay more out of pocket.

Factors to consider before choosing among the list of health insurance companies in Nigeria

• Financial strength
• Validation and accreditation
• A company’s motive
• Coverage
• Cost of insurance

Financial strength

Choosing among the list of health insurance companies in Nigeria, the financial strength of the health insurance company should be considered first and foremost. This is very essential because no insurance company can stand without a strong financial backup.

Check for the company’s affiliates and organizations in partnership with the health insurance company.

Validation and accreditation

Check also if the health insurance companies have legal standing in Nigeria if not, run from such companies. Make proper research before choosing any health insurance company because many scammers are hiding under the umbrella of an insurance company.

A company’s motive

Different companies with different motives, check why a health insurance company is in existence. Companies do better on their driving force which is their motive of existence.

Coverage

Also, consider the area an insurance company covers if your health need is inclusive. Such a decision will help you better in choosing from the list of health insurance companies in Nigeria.

Cost of Insurance

Some health insurance companies are unnecessarily expensive. Consider your financial grounds and that of a chosen company before choosing from the list of health insurance companies in Nigeria.

Company policy

Every health insurance company in Nigeria has a policy guiding them. Check if a health insurance policy is favorable before choosing from the list of health insurance companies in Nigeria.

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The mental health benefits of exercise can never be overestimated and how exercise Plays these vital roles in one mental health is worthwhile.

Most of us are aware of the physical benefits gained from performing exercise regularly. People often follow exercise programs for weight loss, muscle improvement, and reduction of cardiovascular diseases.

Introduction to mental health benefits of exercise

However, many people overlook that exercise can play an equally essential role in maintaining good mental well-being. While exercise is mainly based on physical activity, it can have a significant influence on your mind.

For instance, it can trigger the release of positive hormones such as endorphins, among several other psychological benefits. So, it isn’t wise to overlook such advantages, especially in today’s stressful environment.

To further help you understand the vital role of exercise in improving mental health, here are some of its psychological benefits.

Boosts cognitive function and behavior

Exercise is not only known to boost muscle power but also brainpower. Performing exercise can cause the body to generate brain cells in a process known as neurogenesis.

As a result, individuals who follow a proper exercise routine show better brain performance with improved intelligence and memory.

Moreover, physical activity can also reduce the chances of memory loss or cognitive decline in the long run. Not to mention, due to enhanced memory, creativity is bound to rise.

It’s not surprising that many people prefer to go on long walks or jog to come up with innovative ideas.

Another psychological effect of exercise is improved behavior, especially in growing children. Physically active individuals show greater responsibility and cooperate with situations more efficiently while showing less aggression.

However, to make the most out of exercise, it’s essential to know how to perform them correctly. Otherwise, you might end up following practices that are detrimental to your mind and body. Therefore, it’s crucial to hire the best personal trainer in seattle to ensure that you follow a healthy exercise program.

If you live near or in Seattle, check out the best personal trainer in Seattle to make the most of your fitness journey. Whether you prefer an individual session or group session, you can find either at affordable prices.

Reduces depression and anxiety

Depression can make it incredibly challenging for people to live their lives, as it causes a severe decline in mental health. Depressed individuals suffer low levels of happiness due to feelings of loneliness and hopelessness.

As a result, physical well-being also starts deteriorating as depressed people develop eating disorders, fatigue, and several other conditions. What’s worse is that depression is almost always accompanied by anxiety, which can cause further complications.

Fortunately, people undergoing depression and anxiety can recover their mental health by performing regular exercise. Performing exercise triggers the release of a chemical known as endorphin, which induces happiness and positivity in the mind. As a result, loneliness and depression soon come to an end, automatically reducing anxiety.

It’s not surprising that doctors often recommend performing exercises to their depressed patients before moving to medication.

According to research, physical activity and antidepressants have the same structural effects on the brain, known as neuroplasticity. Both develop new neural paths and boost the growth of the hippocampus; however, exercise has fewer side effects.

Improves sleep

Continuous work and the excessive use of computers and mobile phones in today’s modern age make it easy to overlook your body’s sleeping needs.

Unsurprisingly, 1 in 3 adults is not able to get enough sleep. However, it’s crucial to get a good night’s sleep each day to maintain mental well-being.

A tired brain won’t learn anything, think clearly, or be attentive, leading to a decrease in cognitive processes. Not to mention, disturbed sleep can contribute to severe cases of depression.

But with regular physical activity, one can easily maintain a healthy sleeping routine. Promote yourself “be strong be healthy” performing exercise helps to increase body temperature and relax your brain. As a result, it’s much easier to fall asleep on time each night.

Moreover, exercising is also known to maintain your body’s circadian rhythm, which is acts as our body’s alarm clock. With a well-regulated circadian rhythm, our bodies start to feel tired at the right time before we go to bed.

Helps gain social support and confidence

A notable advantage of performing exercise is increased social support, which can ultimately improve mental health.

Several people prefer to hit the gym and socialize with people, making many supportive friends along the way. Not to mention, many physical activities such as playing sports require people to socialize with others.

So, people who perform exercise regularly can connect with new people, which helps improve mental well-being by decreasing feelings of loneliness.

Alongside being a source of social support, exercise can also help increase one’s confidence. While doing exercise, people gain several physical achievements, such as weight loss and muscle improvement.

Consequently, physically active people feel better about their bodies, becoming more confident about themselves. Moreover, regular exercise improves self-esteem just as much as confidence. Therefore, physically active individuals don’t suffer from feelings of dissatisfaction. And this ultimately helps reduce the onset of depression, anxiety, and stress.

Improve mental health through physical health

If you seek to maintain your mental health, it’s essential to be aware of its link with physical health.

Declining mental health can lead to harmful effects on our physical health. Similarly, poor physical health can lead to psychological issues.

For example, not following a healthy diet can reduce your brain’s nutrition for maintaining mental health. Likewise, mental health issues can lead to various diseases and illnesses, such as cardiovascular issues.

Improved physical health through exercise ensures a robust immune system, reducing the chances of suffering stress and depression due to illnesses.

In the long run, you’ll be able to stay happier with a healthy body and fewer harmful physical conditions such as arthritis.

Conclusion on mental health benefits of exercise

Mental health is becoming an alarming issue in the modern world. People are continuously overwhelming their minds with increased work and excessive use of social technology.

In such a situation, exercise can play a significant role in maintaining the mental health of countless people, as proven by the psychological benefits mentioned above.

So, incorporate exercise into your daily routine to combat declining mental health. Make it a priority to ensure your mental well-being alongside physical fitness for a healthy and prosperous life.

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Here are proven 8 Ways To Find Inner Peace And Heal Your Body And Mind in a given period of time.

Life, as we know it, is unpredictable. Some days you’ll be on top of the world; other days, you’ll be sad without knowing why.

In this chaotic and sometimes tender whirlwind of life, serenity might seem like a feeling you hardly ever have the chance to experience.

So, ever wondered what’s missing?

Two words- inner peace.

We know it seems like a cliché, but it is much more than that. Inner peace soothes our minds and allows us to view our path clearly, helping us remain focused.

When you are at peace, you feel a sense of compassion and preparedness. Above all, you become unbothered by all the typical day-to-day worries.

On the other hand, some might assume that you can gain peace through diet and exercise. But, that only works for your physicality, not for your mind and soul.

For instance, a stressful situation causing horrid thoughts can lead to illness or physical pain. Meaning no amount of exercise or diet can save you from falling apart.

Here, gaining a balance between your body, mind, and soul by nurturing your whole self will help you form a shield against your negative thoughts.

Ways To Find Inner Peace And Heal Your Body And Mind

There are many things you can do in your life to achieve inner peace and wellness. Don’t know where to start? Here are a few ways that will help you navigate through life’s often turbulent waters more smoothly.

Keep your aura clean

Negative energy is real. It can cause stress, problems and drain your positive brain chemicals. Therefore, you need to get rid of it by cleansing your aura.

Keeping your aura unsoiled entails discovering ways to eradicate negative energies that can blur your wisdom and vision. The world is a horrible place.

There’s plenty of different energies in peoples’ electromagnetic fields. Even for the most spiritually in-tact person, it is all too easy for your aura to become muddied, drained, or mired with outside influences.

There are plenty of ways you can employ to clean your aura, including meditation, plunging into the water, carrying crystals, and so on.

However, it is best to have your soul and mind enriched by a professional. You can get an aura cleansing in Los Angeles through a well-reputable crystal healer and remove every bit of negative energy around you to find inner peace.

Similarly, turn to Google to look for professional aura cleansers near your location.

Let the anger go

You are only depriving yourself of inner peace if you hold on to your anger. Anger is the ultimate warship of your inner peace. If you’ve ever heard the phrase, “It’s me, not you,” please know that it is true.

People will treat you in the way you allow them to. If you consider yourself a lovely person and someone tries to throw a fit at you, you need to know that it is their problem, not yours. Allowing yourself to become angry will only hurt you, not them.

If you want to achieve inner peace, you must learn to let go of your anger and recognize that anger cannot defeat itself.

Control your rage by displaying the opposite emotions – compassion, patience, love, and tolerance. Do this, especially if someone is angry with you or you are mad at yourself.

Acceptance is key

Say “yes” to whatever is happening at the moment. Don’t fight it; don’t struggle against it, and don’t argue with it. The present has arrived, and it is what it is. When you’re unhappy with the way things are right now, you’re dissatisfied with the entire universe.

No amount of disagreeing will change the fact that we are in the present moment. Arguing with the way things are now only added to the suffering.

Accept and admit defeat to what is rather than arguing about it. Then, ask yourself what you need to do in the present moment, and do it.

Meditation is miraculous 

We know it sounds woo-woo, but there’s a lot of power in deliberately shutting down your mind for at least a few minutes every day. Some of the most successful people, including Oprah Winfrey, Ellen DeGeneres, and even the late Steve Jobs, swear by daily meditation.

When you meditate, you give your mind a break from the usual stimulation. The process allows you to reason more clearly and feel calmer.

Another good part is you don’t have to meditate for an extended time. Begin with 2 minutes, then 5 minutes, and so on. It takes practice, just like anything else, and you should start small.

Write your thoughts

Writing things down may give you peace of mind by getting them off your mind. When you’re experiencing stress, take a few minutes to jot down some quick thoughts about your feelings or how your day is going.

You could do this on your smartphone’s app for taking down notes or in an actual notebook. Don’t worry about being poetic or correctly spelling everything. Simply expressing yourself will help you relieve some of your stress and give you peace of mind.

Mind what you eat

You may be oblivious to how bad you feel because you’ve become accustomed to it. For one week, try eating the way you know you should.

Take note of the shift in your mood. Investigate meals that can make your memory better, increase your focus, and make you feel better about yourself.

Now, experiment with eating junk food to see what happens to your mood and overall sense of well-being. You’ll feel as if you’ve been hit by a truck. So keep harmful edibles and drinks at bay. We strongly advise consulting with a doctor to manage this tip.

Use the Superman Pose to gain power and calmness

If you practice Bikram yoga, the Superman pose is essentially the full Locust position (airplane position). The only difference is the hands and arms stretch out to the front rather than the sides. You lie on your stomach on the floor, your arms extended in front of you.

Simultaneously, you spread your legs behind you and keep them straight. Hold that position for ten seconds. It’s an excellent workout if you’re groggy, overstimulated, sidetracked, or antsy.

Be grateful

Our faith, love, and belief should be deeply rooted, and then everything else will take care of itself. The thought, “I am blessed,” can help you overcome any failure.

When you realize you are blessed, all of your problems and grumblings fade away, as do your insecurities, and you become contented, peaceful, and grateful.

Conclusion on ways to find inner peace

Believe it or not, inner peace can help you move life’s heaviest mountains with a nice amount of emotional grit and resilience.

With the above-said tips, you can take control of your stress and negative thoughts by learning how to relax and not give a flying frog about anything that doesn’t need your reaction. And yes, achieving inner peace takes time, but you can get there with a bit of dedication.

Just remember NOT to let the chaos of life get the best of you; have some patience, and good things will come your way.

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How often should you brush your teeth? Allow us to give you clever approaches to care for your oral health

The teeth are the only part of our skeleton that is visible and needs care in the appropriate ways to keep it clean and healthy.

This part of the body needs extra care and caution as the teeth affect both the health and appearance of a person.

It will be necessary to note that it is important for the teeth to be regularly and properly cleaned through brushing so that food remnants after eating that have glued to the teeth will be washed away; this will make for a brighter smile, good health, and prevention of tooth hole and decay.

The concept of brushing the teeth is dated back over 100 years ago when philosophers and dentists found the ideology behind oral hygiene. Dentists and philosophers found out that good oral hygiene can prevent cavities.

Introduction to how often should you brush your teeth

The recommendation by a dentist is to brush your teeth is twice a day, that is, morning and evening with a minimum of two(2) minutes each time while using an appropriate toothbrush and fluoride toothpaste, doing these will reduce the susceptibility to cavity and decay.

Tooth cavities tend to be common dental complications nowadays because people pay less attention to the health of their teeth.

Normally, after eating, there are food particles left in the mouth, when these food particles stay too long in the mouth, they react with the bacteria in the mouth and then become acidic, this acid now takes its toll on the enamel of the teeth which protects the crown of the teeth, thereafter, cavity sets in and if not properly cared for, can lead to total decay and the removal of the teeth.

This is an important reason to brush your teeth regularly and properly.

Brushing your teeth continuously doesn’t mean that they will be properly cleaned. In order to avoid the wastage of your toothpaste and energy, it’s advisable that you brush without leaving any of your teeth untouched.

The Teeth of an Infant is also Important

Even infants and children are not left out! The care given to infants determines how they grow up, the same applies to their teeth.

Assisting them in inculcating good oral hygiene will go a long way in making them have healthy teeth. For toddlers, immediately their teeth pop out of their gum line, assist them by using a very small amount of toothpaste and a soft brush to wash their teeth.

And if they are infants, use a pea-sized amount of fluoride toothpaste to wash their teeth, and if they will be on it themselves, supervise them so that they don’t swallow the toothpaste and for them to do it properly.

Washing the teeth properly allows the teeth to be free from plaque; this will in turn will make the crown of their teeth stronger.

Children tend to consume lots of sugary foods such as cake, hence, brushing their teeth appropriately will prevent the damage the sugar would have on the crown of their teeth.

They should also cultivate the culture of brushing twice daily, that is, morning and night, two(2) minutes each.

Root Cause of Dental Complications

There are usually reasons for whatever situations and the root cause of dental complications starts from bad oral hygiene.

If you consistently keep skipping brushing your teeth and especially in the morning after breakfast and before you go to bed, the food remnant in your teeth will build up; this will cause reactions between your teeth and the acid from the food.

When this acidic reaction occurs, it affects the protection of your crown. Thereafter, the enamel wears out, then follows cavities and other tooth complications such as halitosis, build-up of plaque that changes the color of the teeth, periondititis, and so on.

What Duration should I visit my Dentist?

Whether or not you have any tooth complications, it is advisable to visit your dentist twice in a year or once in 6 months for dental washing and other treatments that can be detected by the dentist.

This will keep your overall health in place, as there will be early detection of any teeth and other related complications.

It will also reduce the risk of other dental complications as the buildup of food that is glued to the teeth will be washed out; this procedure will give you a refreshing mouth and teeth.

 Guidelines for quality brushing of teeth

You know, it is best to always pick quality over quantity; of course quality pays. On this note, quality tooth brushing can be achieved with the following guidelines:

Brushing the Proper Way:

The proper way of washing involves using not-too-hard bristle toothbrushes and not-too-soft toothbrushes.

Wash your lower teeth by stroking upward; both the inside and the outside and avoid scrubbing your gums. While the upper teeth should be stroked downward.

Thereafter, wash your molar and your premolar in a circular way then move on to wash your tongue properly without injuring your tongue in order to wash all the bacteria that can cause bad breath.

This way, there wouldn’t be a chance for the build-up of food in your teeth or on your teeth, and all the sides and corners of your teeth would have been appropriately cleaned.

Always Use Fluoride Toothpaste:

Fluoride contains minerals such as calcium that can help keep the teeth in good shape, These minerals are locked in the teeth and make the enamel stronger, when the enamel is stronger, the crown of the teeth is protected and then the tooth cavity or holes will be prevented.

Remember, don’t just follow the brand, check out for the ingredients to see if it doesn’t contain harmful ingredients if it contains fluoride, and if it is approved by the Dental Association of your region or country. If all these factors are in check, then use the toothpaste.

Flossing Your Teeth:

Flossing allows you to effectively wash away food and other particles that can get stuck under your gums and in between your teeth. Flossing can either be done using a flossing powder a flossing stick and other flossing materials recommended by the dentist.

When flossing, do it daily and follow the directions of the dentist.

Doing the Mouth Rinse:

There is a special mouth rinse product that is really effective in keeping the mouth clean and in good condition, they usually contain ingredients that make for good breath because they kill bacteria that cause mouth odour.

When you use them, it also supplies your teeth with a lot of calcium to make them stronger and healthy, hence,  preventing cavity and tooth loss in the long run.

Another angle of the mouth rinse is using water to rinse your mouth. If you have ever had a cavity your dentist probably advises you to rinse your mouth immediately after consuming starchy or sugary food and if you can do without carbonated drinks then you should.

When you rinse your mouth immediately after consuming starchy or sugary foods, it will wash away any remnants of the food or drink in your mouth so that your teeth are free from bacteria.

It is important to know that the prescriptions or instructions of the dentist in keeping your mouth clean should be adhered to for your good.

Use Appropriate Toothbrush:

According to philosophers, virtue lies in the middle, so also with the toothbrush type, you will be using. Remember do not use a too hard or too soft a toothbrush, Let it be moderate in terms of coarseness.

If your toothbrush is too hard, it can cause you to injure your gum and in fact, plaque will still be in your teeth because you’ll be unable to properly scrub your teeth.

And if it is too soft, plaque will also be in your teeth because food remnants might not be properly washed out especially if you are an adult.

Basically, when picking your toothbrush use what will make your teeth comfortable, and do not use a toothbrush with a worn-out fray. If your toothbrush has a worn-out fray,  change immediately, or as recommended by some dentist change your toothbrush every 3 months.

To Brush it Up on how often should you brush your teeth

Maintaining good oral hygiene is the prevention of all tooth complications. Oral hygiene can only be achieved through the brushing of the teeth, not just regularly, but also properly as earlier stated. It is best to brush twice daily. You brush in the morning after breakfast; you simply rinse your mouth before breakfast.

And in the night, just before you go to bed, you brush your teeth.  If you have an untreated cavity, that is, before you get fillings from a dentist, you should brush immediately after your meal so that food particles wouldn’t remain in the hole, and bore a wider hole or form tartar that will give you severe toothaches and maybe headaches too.

Keep your teeth clean at all times, visit your dentist twice a year or once you feel any discomfort with your teeth, and follow the instructions of the dentist.

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