Using a health savings account (HSA) to pay for medical insurance provides an advantage over buying traditional medical insurance by allowing you to use tax-free dollars, but rules and restrictions apply. You may prefer using a traditional insurance plan in some cases.......[Read More]

Medicare is a federally run health insurance program for people over 65 years of age. Medicare has two parts. Part A, hospital insurance, helps cover inpatient care for hospitals. Part B, medical insurance, pays for doctor visits and other outpatient services. There also is Medicare Part D, which co......[Read More]

Health insurance often provides a confusing quagmire of terms, concepts and dollar amounts. The Explanation of Benefits, or EOB, that is mailed to a patient after a doctor's visit attempts to alleviate some of this billing confusion but can potentially confuse the reader even further. The term "disa......[Read More]

How does one go about finding and purchasing affordable vision insurance? For those who truly require vision insurance, these steps will guide them through the process of locating cheap vision insurance.......[Read More]

If you live in Indiana and receive state-provided assistance for your health care, you are likely a member of one of several Indiana Health Coverage Programs (IHCP). The state will have issued you a membership card certifying your status in your program, informally called a Hoosier Health Card. If y......[Read More]

Those with low incomes can receive low-cost or free health care.Aaron Graubart/Digital Vision/Getty ImagesMedicare and Medicaid are government-run programs that provide health care coverage for low-income people and the elderly. Costs for routine health care, emergencies and medications.........[Read More]

Long-term care insurance covers the risk that a person may face costs for personal care, whether through ageing, injury or illness. It only covers the costs of care and not the costs of medical treatment. Most policies have variable premiums depending on the limits on total benefits that the custome......[Read More]

Universal health care refers to a publicly funded health care delivery system. Whereas opponents of the system generally refer to it as socialized medicine, proponents of universal health care tend to refer to it as such or as a national health service or single payer system. It is characterized by ......[Read More]

Flood insurance is a necessity for many home mortgages, especially those in more flood-prone areas. This federal mandate is upheld by requirements to lenders and borrowers as set by the Federal Emergency Management Agency, or FEMA. These requirements are set in place to help ensure replacement cost......[Read More]

The time to purchase individual health insurance coverage is before a potential health condition or risk factor arises. Because of the high likelihood of significant medical costs, and the potential for adverse selection, health insurance companies do not sell individual policies to people once they......[Read More]

Cancer is a disease that affects thousands of people each year. Sadly, some of these people don't have health insurance. This fact presents a dim outlook for the future for people in this position. However, there is good news. There are different avenues a person with cancer and no health insurance ......[Read More]

The Consolidated Omnibus Budget Reconciliation Act of 1986, as amended, is commonly referred to as COBRA. This program provides continuation of health coverage if certain events cause people to lose their health coverage.......[Read More]

Minnesota has one of the nation's most progressive medical insurance programs for its low-income citizens. There are three publicly funded programs that provide health insurance for residents who have no other option through an employer or private plans. These programs are used by over half a millio......[Read More]

Once people retire, or if they become disabled, their incomes are generally limited. This can lead to challenges meeting necessary expenses, including medical care. Medicare was introduced in 1965 to provide health insurance to those 65 and older and the disabled, but even Medicare has some signific......[Read More]

OverviewComstock Images/Comstock/Getty ImagesBoth patients and their health care providers should verify health insurance coverage before seeking or providing services. Confirming health insurance eligibility prior to rendering services will save administrative and financial hassles later.........[Read More]

Blue Cross Blue Shield insurance plans are among the most recognized health plans in the country. Each of the 39 Blue Cross Blue Shield companies is independently owned and operated. The process to join the insurance panel to become a network provider varies by company, so you will need to follow th......[Read More]

Health care coding professionals use HCPCS (Health care Common Procedure Coding System) modifiers to provide supplementary information concerning a procedure, service or item within the HCPCS coding scheme. In many cases, coders add modifiers to an existing HCPCS code, so insurance providers can pro......[Read More]

The Consolidated Omnibus Budget Reconciliation Act of 1985 included provisions requiring employers with more than 20 employees to offer a continuation of the workplace group health coverage to employees for up to 18 months after they leave a job. This law itself and the continued health insurance co......[Read More]

People with low-income often find it difficult to afford health care. The Mississippi Medicaid program offers help with medical expenses to low-income children and their parents, as well as pregnant women, people 65 and older and the disabled. Although the program garners its funds from.........[Read More]

Health savings accounts are individually owned accounts that are used to reimburse your out-of-pocket costs for eligible medical expenses. A bank, insurance company or other approved entity, known as a trustee, collects deposits to the HSA and holds the funds for distribution.......[Read More]