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Friday 30 January 2009
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Insurance
In health insurance, two major factors affect policy premiums or rates. The first major factor is your family health or personal health history. The second factor is age.
While calculating the life insurance premiums and health insurance premiums, the insurance companies, consider family history and personal health of the individual, as the major contributors. Most health insurance companies request urine samples and blood samples to ensure that there are no pre-existing health problems.
Most insurers offer policies with higher premium amounts to people, suffering from heart disease, diabetes, cancer, high blood pressure and other health risks.
People who have perfect health can observe that the standard term policy may have more premiums simply, because such policy covers most health risks. This policy is good for those people, who do not have time to lower their risk factors and can afford to pay huge premiums.
Thus, before applying for policy, people can check out various online quotes that can help them to locate a guaranteed issue policy. Moreover, people can also refer to FAQ’s to see, what factors they need to consider while obtaining an ideal health coverage plan.
Unfortunately, even though policyholders can have low insurance premiums, family history and health are not always controllable. Therefore, such people may have to pay high premium amount.
Some Statistics:
In the early part of the decade, typical health insurance premiums skyrocketed with an annual growth of 10.8 %. In the year 2003, the premium growth shockingly remained strong, before it decreased to 8 % in the year 2004. Right from the year 1982, health insurance premiums have registered an average 7% annual growth. For health insurance premiums, volatile business cycle is very typical thing.
In the year 1992, health insurance constituted 6.3 % of the employee compensation for the private industry employers. In the month of September 2007, health benefits comprised a large portion of employer provided benefits. This included 7.1% of the entire compensation. This made health insurance the largest compensation share for employers having an excess of 500 employees.
The moment the costs escalated, most employers passed their increased premium on to their employees. This has really just shifted the problem.
Conclusion:
An aging population has a significant impact on the future of health care industry in the United States. In terms of pharmaceutical treatment, in-patient care stays and physician visits, the elderly are the most high-cost demographic groups.
The main cause of rising health insurance premiums are the aging population. An aging population creates huge problems in terms of the Medicare Program, since it attempts to fund the services of at least 22 % of the total population.
It is important for people, to pay their monthly premiums on time. Some insurance firms also provide discounts for such people. Secondly, it is also essential that the policyholders compare various health insurance plans. Thereafter, they can select the best plan amongst them all.
Health insurance has become an extremely important issue in America due to spiraling health costs. Thus, easy to pay typical health insurance premiums can ensure coverage for majority of American population.
If you need to cover your own health care cost consider getting a free quote to see if you could save money. You can get them free instantly by simply visiting one of the sites below.
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2009-01-30 ::
admin
Monday 29 December 2008
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Insurance
When starting a staffing company, it is important to note that before you send out your first temporary employee, you must have adequate business insurance in order to conduct business. At a bare minimum, you will have to purchase Worker’s Compensation and General Liability Insurance. On top of those insurances, it would be a good idea to consider buying a G/L policy that will also include Professional Liability Coverage, as well as Errors & Omissions (E&O) coverages. The biggest challenge a staffing agency owner may face could be identifying an insurance company that truly understands the staffing industry.
Unless you are working with someone who understands your business, you will spin your wheels in trying to secure proper insurances. The challenge with underwriting an insurance policy for a staffing company is the fact that you are or will be sending out temps or contract employees to remote, 3rd party client sites, which can cause you to lose direct control over those employees. If those employees worked on-site every day at your office location, the risk would be easier to assess. However, in the staffing world, your direct employees work at client locations, which adds risk from an insurance company’s perspective. Insurance companies have a larger underwriting task when taking into effect that your employees may be asked to perform certain tasks at a client location that you may not otherwise ask them to perform if they were on-site at your office.
I would imagine researching insurance companies, finding the right company and insurance policies to purchase, then actually purchasing the policy would be about as much fun as making a trip to the dentist. Both are quite necessary, but not much fun. However, if you don’t have insurance for your staffing business, you will not be able to operate your company.
How do you know just how much insurance to purchase, and what types are right for your firm? You don’t want to be over-insured, but you certainly don’t want to be under-insured either. Once you find the right insurance partner that understands YOUR staffing business, ask them to recommend coverage amounts and types of policies. If you already have staffing clients in place, or if you have potential clients you will be doing business with, ask them to send you their standard staffing contract. More than likely, your client will have a section in their contract that will cover insurances, and how much and what types you need to have in order to do business with them.
Keep in mind, your clients want to deflect as much insurance risk on to you as possible. They would prefer to have zero risk in having your employees work on-site at their location. If a potential client is asking for more insurance coverage than you will be able to pay premiums for, you may consider trying to renegotiate their contract, or consider foregoing that business. It may not be worth the extra premium dollars you will pay in order to pick up the staffing business. However, if the margins are large enough, and you feel certain the client will utilize your services for a long-term period, you should consider upping the insurances to grow your business.
As a start-up staffing company, you may have no choice but to purchase your Worker’s Compensation insurance from a State Fund, rather than from a private insurance company. The laws are different in each state, but when you speak to your insurance agent, find out if private insurance is available for Workers Comp, due to the fact that it may be less expensive to purchase than from the State.
Also, you will either have to estimate your payroll or sales/revenue in order to get a quote on your insurances. I would be prepared to have a projected figure in mind. Don’t over-estimate payroll or sales because you may end up paying more each month in premiums during the first year, which could eat up profits from the business. Also, don’t under-estimate because you may be hit with a major one-time premium at the end of the year due to withholding less during the year. It’s a tricky calculation, but hopefully your agent can assist you in your calculations.
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2008-12-29 ::
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Saturday 29 November 2008
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Insurance
Health insurance provides medical expense coverage for individuals as well as groups. Insurance takes care of the bills of doctors, hospital stays, and other related health services. Today, a wide range of health insurance policies are available to choose from. They vary in quality, size of deductible, and benefits covered.
Due to high cost of insurance, the number of uninsured persons is increasing day by day. Low cost health insurance was introduced with the intention of bringing down the number of uninsured in the United States.
If you are searching for a budget friendly option, then low cost health insurance is a good choice for you. Low cost health insurance is inexpensive and is ideal for people who cannot afford high premiums. It offers excellent coverage for children up to age 19, self employed adults, college students, families, pregnant women etc.
As an affordable health insurance option, low cost health insurance offers a way to get medical expenses reimbursed. It helps you to save considerable amount of money on health insurance premiums. Low cost health insurances are the choice of employers or companies as they want to provide better benefits to their workers.
While purchasing low cost health insurance, make sure that it meets your requirements.
Finding the appropriate low cost insurance is one of the most challenging jobs. So it is advisable to seek the help of an insurance broker or an agent who can help you find the best plan that suits your individual needs.
Besides brokers and agents, there are several websites that function as health insurance resource centers. They help you to find low cost health insurance quotes from reputable insurance companies. Ehealthinsurance.com, quotemonster.com, medibroker.com, insure.com and healthinsurancefinders.com are some of the websites that offer the above services.
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2008-11-29 ::
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Saturday 11 October 2008
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Insurance
The use of private medical insurance has risen dramatically over the last 30 years as the only way to pay for the rising costs of healthcare in hospitals, clinics and private practices. As you probably know all to well, the cost of healthcare and health insurance premiums continue to increase at levels substantially above the general rate of inflation. So as the cost of medical treatment continues to rise, finding cheap medical insurance is becoming increasingly difficult.
Some individuals are fortunate enough to have their health insurance arranged through their employer who contributes a large percentage of the cost himself. Although the rising cost of medical insurance is one reason that employers are finding it an increasingly difficult benefit to give their workers. Unfortunately though, for a growing minority of workers with high health care costs, health insurance is the main attraction, rather than the job or the overall pay. Not everyone is fortunate enough to have a health plan provided by their employer and finding cheap health insurance is the only realistic option.
While many people today are still able to obtain some type of health insurance through their place of employment or privately, many others, the low paid, self-employed and the unemployed simply don’t know where to find good quality coverage at a fair price. Whilst a little research is required to make sensible comparisons, carrying out searches for low cost health insurance schemes on the internet has proved very helpful for many as you are able to compare benefits of a large number of providers using online comparison tables. But choosing the right health insurance is something that cannot be rushed if you have a family.
The good news is that people are learning that they have to be more selective and look carefully at every aspect of their potential health insurance plans to obtain the best possible premiums. Many national and local organizations of self-employed workers are now banding together to form cooperatives and combine their buying power to get affordable health insurance premiums through group policies. If you have a chance at a group health insurance, whether through a job or an association you’re a member of, it will usually be much more affordable than buying individual health insurance on your own.
Be careful to read the health insurance policy well and especially the areas that are not covered by the healthcare plan. One thing to check with the health insurance is the definition of an emergency and whether this can be treated by primary care doctor. So it is clear that there are many things to check before you make a decision on what health insurance provider you intend to use. There is little disagreement that the growing number of people without health insurance is going to cause problems in the future. Worth considering is the statistic that shows that the fatality rate a person who does not have health insurance is twenty five percent higher than that of a person who has a health care plan.
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2008-10-11 ::
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Monday 29 September 2008
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Business
Topics:
1. How are leaves covered under the FMLA and workers’ compensation statutes and how much time off is required?
2. When is a WC injury covered under the FMLA?
3. Should WC leaves be treated separately from other types of leaves?
4. Should the employer give the employee any special notification under the FMLA?
5. Does an employer have to pay for health insurance for an employee on WC leave?
6. Can an employee on WC leave be required to use vacation or sicK leave?
7. If the employee is released to light duty, can he be required to return to work?
8. Does the employer have to reinstate an employee returning from a WC leave?
9. Prevent Legal Headaches: Count WC Leave as FMLA
Implementing the FMLA can be tricky, especially when a leave of absence involves workers’ compensation injuries. This article answers some of the most common questions concerning workers’ compensation and the FMLA.
The Family and Medical Leave Act (FMLA) statute does not contain any direct reference to workers’ compensation injuries, and employers did not receive specific guidance on the topic until the April 1995 final regulations. However, since most workers’ compensation leaves are covered under the FMLA, an employer’s failure to treat these leaves as FMLA leaves can lead to inadvertent violations of the statute’s requirements. To help navigate the complicated legal maze of the FMLA and workers’ compensation, the Editors have identified eight frequently asked questions on this topic. The answers are based on analyses of the FMLA, its regulations, court cases, Department of Labor Wage and Hour opinion letters, and discussions with HR and legal experts.
1. How are leaves covered under the FMLA and workers’ compensation statutes and how much time off is required?
The FMLA is a mandatory federal leave law intended to protect employees who need to take time away from work to attend to certain family and medical problems. It applies to employers with 50 or more employees and all public agencies and schools and allows an eligible employee to take up to 12 weeks of job-protected leave for various family and medical reasons, including medical leave when the employee is unable to work because of a “serious health condition.”
Workers’ compensation (“WC”) statutes are primarily state liability and income continuation laws that protect employees who are injured while working. Almost every state has a law that guarantees an income (funded by employers and the state) to employees injured on the job and at the same time places limits on the employer’s responsibility for the injury. Benefits vary from state to state but typically include medical treatment, rehabilitation, disability, and wage continuation. WC statutes generally are not leave laws, however. Most states do not require employers to give a specific amount of leave for workers’ compensation, and only a few states require reinstatement from WC leave.
2. When is a WC injury covered under the FMLA?
If the employee is eligible for leave under the FMLA and the injury is considered a “serious health condition,” the WC leave should be treated under the FMLA. The FMLA defines serious health condition broadly to include any “illness, injury, impairment, or physical or mental condition that involves” either inpatient care or continuing treatment by a health care provider. The statute does not distinguish between work-related and nonwork-related injuries. Thus, any on-the-job injury that requires an employee to take leave to seek inpatient care or continuing treatment likely will be covered by the FMLA.
Accordingly, whenever an employee is injured on the job and needs time off to recover, the employer immediately should determine if the employee also is eligible for leave under the FMLA. If the employee is eligible for FMLA leave, the employer should notify the employee in writing that the leave is covered under the FMLA so that the leave time may be counted against the employee’s 12-week FMLA entitlement. If the employer does not run the WC leave concurrently with the FMLA leave, the employee may still have the full 12-week FMLA entitlement available to use after the WC leave.
3. Should WC leaves be treated separately from other types of leaves?
Some experts suggest that WC leaves be treated separately from all other types of leaves to ensure compliance with the requirements of state workers’ compensation laws. However, treating workers’ compensation as a totally separate category of leave may cause employers to inadvertently neglect the requirements of the FMLA.
4. Should the employer give the employee any special notification under the FMLA?
In order to deduct the time spent on WC leave from an employee’s annual FMLA leave entitlement, the employer must notify the employee in writing that the WC leave is designated as FMLA leave and will count against, and run concurrently with, the employee’s 12-week entitlement. The notice to the employee must detail the specific obligations of the employee while on FMLA leave and explain the consequences of a failure to meet these obligations. Most employers use the Department of Labor’s Form WH-381 to comply with these notice requirements. If the employer does not provide the notice, it cannot count the WC leave towards the 12-week FMLA entitlement. Therefore, the employee may be entitled to an additional 12 weeks of FMLA leave at a later date.
If the employee has been on WC leave without being placed specifically on FMLA leave, the employer should send notice to the employee immediately so that the FMLA clock starts running. However, the employer may then only designate the leave from the date written notice to the employee is provided. It cannot retroactively designate the time spent on WC leave against the FMLA entitlement.
5. Does an employer have to pay for health insurance for an employee on WC leave?
If the employee qualifies for FMLA leave and the employer normally pays for health insurance, the answer is yes. Although most state WC laws do not require employers to pay for health insurance during a WC leave, the FMLA requires the continuation of health insurance benefits during an FMLA leave. Typically, the state WC laws cover the employee’s medical costs related to the work injury but do not mandate continued coverage under, or payment for, a health insurance plan. However, under the FMLA, employers must provide the same health benefits during an eligible employee’s FMLA leave that it would have provided if the employee worked throughout the leave. Thus, if the employer normally pays 80% of an employee’s health benefits premium, it must continue to do so during the employee’s FMLA/WC leave.
6. Can an employee on WC leave be required to use vacation or sick leave?
The FMLA allows employers to require employees, or employees to elect, to substitute accrued vacation, sick, or other paid leave for all or part of the 12 weeks of unpaid leave. Employees on WC leave typically receive up to two-thirds of their normal pay as a wage benefit under state law. In recognition of this benefit, the FMLA regulations do not allow the use of paid leave if the employee is receiving workers’ compensation, even to make the employee “whole” or if requested by the employee. However, the employer may designate the leave as FMLA leave and count it against the employee’s 12-week FMLA entitlement.
7. If the employee is released to light duty, can he be required to return to work?
Most light duty positions do not include the employee’s normal job functions. Therefore, if the employee is unable to perform the essential functions of the job because of the work-related injury, he may continue to take any remaining FMLA leave and cannot be required to accept the light duty position. However, if the state workers’ compensation statute requires the employee to take the light duty assignment to continue receiving wage benefits, the employee’s WC benefits may be discontinued. The employee then must be allowed to use any accrued paid leave during the remaining unpaid FMLA leave.
8. Does the employer have to reinstate an employee returning from a WC leave?
If the employee is covered under the FMLA, he must be reinstated to the same or an equivalent position. The employee must be reinstated even if the employer did not notify the employee of coverage under the FMLA. If the employee does not return to work at the end of the 12-week FMLA leave, the employer may terminate the employee without violating the FMLA as long as the termination is consistent with the treatment of similarly-situated employees who have taken FMLA leave. However, the employee must have been properly placed on FMLA leave and notified that the time off for WC leave ran concurrently with the FMLA. In addition, a few state WC laws, such as Oregon, require reinstatement regardless of the length of the WC leave. As a further complication, the employee may be considered disabled under the Americans with Disabilities Act and, therefore, may be entitled to additional leave as an accommodation.
9. Prevent Legal Headaches: Count WC Leave as FMLA
Since most workers’ compensation leaves typically will be covered under the FMLA, employers should be prepared to comply with both laws. Failure to categorize a WC leave as a FMLA leave generally will not harm the employee as long as he gets all of the benefits of FMLA leave, such as continued health insurance and reinstatement rights. However, the employer may lose the opportunity to count the time on WC leave against the employee’s FMLA entitlement and may extend unnecessarily the employee’s FMLA leave eligibility. In addition, employers may violate the FMLA if they do not reinstate an employee from a WC leave that was not properly designated as FMLA leave.
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2008-09-29 ::
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Tuesday 19 August 2008
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Insurance
What do you understand by the simple term ‘Compensation’? We all know that compensation is a kind of service given to someone against the loss or damage. On the grounds of business and corporate industrial world, compensation is given to those workers, who get injured during the working hours in the working premises. In terms, this kind of compensation is known as Workers compensation insurance. Today, most of the workers must be having their private health or life insurance policy but still the company gives them an additional coverage policy in free i.e. Workers compensation policy.
What is a workers compensation Insurance policy?
It is a kind of agreement and commitment done towards the workers that they are safe in the industry or office during the working hours against all kind of natural and accidental hazards, injuries or death. It is proven that many times a worker loses his life or even gets disabled due to some hazards that take place in the company during the working hours. Looking at this condition, the government has passed a law providing financial safety to the employee during the working hours that is named as ‘workers compensation policy.’
Advantages of Workers compensation:
Because of workers compensation policy the workers feel secured and safe in the company. The feeling of safety brings trust within their heart for the employer and company, which is a big thing. Any worker can work with complete effort and quality only when he is sure that his company thinks about him and his benefits. By getting financial security and assurance, workers feel to work more and give complete quality work to the company. The employer or company benefits in many ways by winning the trust of its employees and workers. In the same way, employees also get financial security towards the work and risk taken by him during the working hours. Thus, both the employers and employees get advantage of workers compensation policy.
This way, workers gets financial security in terms of money every month during the time when he/she is injured in industry and not able to come up for work. This is one of the major benefits given by this insurance policy. In the same way, it also provides financial assistance to the worker’s family in case of worker’s death or disability that is caused due to working hazards.
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2008-08-19 ::
admin
Wednesday 9 July 2008
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Insurance
Even though the state of Michigan has many programs in place that provide health insurance to those who don’t qualify for traditional coverage, there are many discount health plans available. Many people mistakenly believe that these discount health plans are a part of a state wide initiative. They aren’t. In fact all discount health plans in the state are privately run and they aren’t considered health plans at all. For this reason they are not recognized or regulated by the state. Consumers would do well to steer clear of these plans and instead seek out a government funded health insurance program if they need to.
For individuals who don’t fall into a low income bracket and therefore don’t qualify for a government regulated plan, they will want to compare low cost health insurance plans in Michigan to find the best price. Doing this may sound complicated and time-consuming but it doesn’t need to be. In fact it can be painless as long as the person seeking the insurance is prepared.
Understanding what coverage you absolutely must have is essential to finding the best price possible. If you are dependent on regular prescription medications, you’ll obviously need health insurance that offers prescription drug coverage. For someone at risk of developing cancer because of a family history, they’ll want a plan that provides for cancer screening and chemotherapy and follow-up treatments.
Once you have that information in place, you can then contact various health insurance companies to get quotes. Ensure that each agent you speak with understands exactly the level and scope of coverage you require. At this time also inquire about the claim process and how long claims generally take. You’ll then be in an ideal position to make a decision that is best for the health of you and your family members.
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2008-07-09 ::
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Monday 9 June 2008
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Insurance
In order to obtain affordable health insurance in Virginia, you must become a smart, conscientious consumer. Take these tips into consideration before you commit yourself to any health insurance program in Virginia.
Avoid scams. Insurance fraud can go both ways; not all health insurance companies or agents have your best interest in mind. Many health insurance companies or agents are interested only in obtaining money from you. These companies are usually fly-by-night companies. To avoid these scams, contact the Virginia Bureau of Insurance and ask if the health insurance company in question is licensed to do business in Virginia. If not, move on. If so, you will be protected against fraud should the company scam you.
Be aware of what you are purchasing. If the company or agent tells you it’s health insurance, it’s health insurance. If the company or agent tells you it’s a health care savings or discount plan, it’s not insurance. The two are not the same, so if you are looking for affordable health insurance in Virginia, you do not want to purchase a discount plan. Discount plans may help you save money, but they do not provide the same coverage as insurance plans.
Pay the Virginia health insurance company. Paying the insurance company directly and requesting a receipt helps you protect yourself and your health insurance coverage. If the Virginia health insurance agent does not want you to send payment directly to the health insurance company, you should contact the health insurance company immediately.
Take note of the way the health insurance is purchased. It is possible to find affordable health insurance in Virginia via the Internet, telephone, and radio, television, and newspaper advertisements, but the very solid and reputable health insurance companies do not usually try to attract customers with flashy gimmicks. Keep your eyes and ears open for showy and loud advertisements, and take caution with those health insurance companies that use them.
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2008-06-09 ::
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Monday 12 May 2008
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Insurance
President Clinton did not and now President Bush will not address health care reform in a way that deviates even slightly from the HMO and Managed Care Industries that have given large sums of money to both campaigns to keep them quiet. Thus these special interests maintain the status quo of the for profit health insurance corporations that have taken over the health care system in America.
Every day, approximately 100,000 people lose health insurance coverage in the United States. Over forty-four million Americans do not have health insurance at all. The people who have HMO’s as their only choice of insurance routinely face rejection of payment when serious health problems arise. The doctors employed by HMO’s make decisions about a person’s health without laying hands on the patient. They do not examine, listen to or have any contact with the patient about whom life and death decisions are made regarding their health.
This is a human rights abuse in a civil society such as ours, or any other society, for that matter.
There are over 1500 insurance companies in America with different rules of what services will or will not be funded. Our facility has hired two people just to handle the health insurance questions that arise every day. They often have a frustrated and perplexed look in their eyes as they undertake to find solutions to problems, and then have to contact a faceless bureaucratic entity about whether or not a service will be paid for.
Health care providers must also take the time to speak to these people, to convince them to pay for proposed services. Letters must be written to convince the HMO/Managed Care bureaucrats to take a second look at what needs to be done for patients, to ensure good quality medical care.
Health care workers have accepted the unacceptable and do not seem to know the way out of the quagmire.
I once helped to raise $3,000.00 for a seven year old patient who was in an automobile accident, and suffered a lower spinal cord injury. He is paralyzed from the waist down. The proposed goal for the fund raiser was to buy a handicapped accessible van. Since these vans cost anywhere from $15-30,000.00 dollars, the family bought a computer, instead, enrolled the boy in a study offered online by the Shreiner’s Hospital in Philadelphia for spinal cord injured patients.
At the fund raising dinner, I sat with the patient’s grandmother. She told me she wanted the money to be put in a trust fund to pay for the child’s catheter supplies, diapers and medicine that the Managed Care Insurance company would not pay for.
“Wait a minute,” I said. “You mean you are paying for all of the supplies out of pocket without insurance reimbursement?”
“Yes,” she said.
Back in the office the following week, one of the women whose job it is to deal with insurance questions, solved the dilemma and the supplies are now paid for. The child’s mother had receipts, and the HMO reimbursed her from the time of the car accident.
I wondered why the insurance company did not automatically pay for these services? If I had not helped stage an elaborate fund raising event and had dinner with the boy’s grandmother, this revelation may not have surfaced. A Universal Single Payer health care plan would make it possible for all people to get the services they need and free up doctors and nurses to give the care that people deserve, plus fulfill all of the reasons doctors and nurses entered their respective professions to begin with: to be of service, to help other people and to bring healing to patients and their families.
Physicians for a National Health Program in America have devised the following plan for implementation. For more information, please access http://www.pnhp.org.
National Health Insurance, if implemented, would minimize any disruption to the current health system because health care delivery mechanisms would remain in place while only the financing mechanism changed. Single Payer National Health Insurance would resolve virtually all of the major problems facing America’s health care system, today.
Single Payer Insurance is defined as a single government fund with each state which pays hospitals, physicians and other health care providers, thus replacing the current multi-payer system of private insurance companies and other plans.
It would provide coverage for the forty-four million people who are uninsured.
It would eliminate the financial threat and impaired access to care for tens of millions who do not have coverage and are unable to afford the out-of-pocket expenses because of deficiencies in their insurance plans.
It would return to the patient free choice of health care provider and hospitals, not the choice that only the restrictive health plans allow.
It would relieve businesses of the administrative hassle and expense of maintaining a health benefits program.
It would remove from the health care equation the middleman-the managed care industry-that has broken the traditional doctor-patient relationship, while diverting outrageous amounts of patient care dollars to their own coffers.
It would control health care inflation through constructive mechanisms of cost containment that improve allocation of our health care resources, rather than controlling costs through an impersonal business ethic that robs patients of care so as to increase profits for the privileged few.Single Payer Universal Health Care would provide access to high quality care for everyone at affordable prices. This would be beneficial for individual business as well as the government.
So why don’t we have a National Single Payer Plan?
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2008-05-12 ::
admin
Tuesday 1 April 2008
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Insurance
Health insurance is important for everyone to have; yet, due to the cost of health care, and the cost of health insurance, many people think it’s impossible for them to obtain health insurance, much less affordable health insurance. Sadly, adults aren’t the one people going without health insurance in America. Kids are also suffering from the expensive cost of health care and health insurance.
Luckily, a Children’s Health Insurance Program is being developed in each state this year – 2006. Of course, each state will have its own set of criteria for eligibility, but the overall idea is that affordable health insurance will be available to kids whose families just can’t afford to pay for health care or health insurance and still be able to make ends meet.
This is excellent news, considering having adequate health care is crucial to the development of each kid. Kids need immunizations, and they need health care to treat, or prevent, illness or diseases with which they are born are at risk for contracting.
For example, many kids have childhood asthma. Sometimes it clears up by the teen years or early adulthood; sometimes it sticks with them for life. The Children’s Health Insurance Program will help treat children born with these kinds of afflictions by providing affordable health insurance for kids.
Another example? Think about a large group of screaming eight-year-olds trapped together in one room during cold and flu season. Enough said.
By developing a Children’s Health Insurance Program, each state is helping to provide affordable health insurance for kids – something all kids need, but unfortunately have not been getting. If each kid has affordable health insurance, we can prevent those cold and flu viruses before they attack; and, if we’re too late, we can afford to treat them once they attack.
Stay up to date with your state’s progress of the Children’s Health Insurance Program by contacting your state’s insurance department or bureau.
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2008-04-01 ::
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