What’s Individual Health Insurance?

Via InsureBlog, I came across this disturbing press release from Aetna:

As hundreds of thousands of individuals lose their jobs each month and the unemployment rate rises to 8.1 percent, one of the primary issues facing laid off workers and their families is what to do about health benefits. According to a recent survey from Aetna (NYSE: AET), consumers have a low awareness and understanding of an important option - individual health insurance plans - and also have misperceptions about the cost of COBRA coverage.

The survey found that 69 percent of consumers had never heard of individual health insurance plans or did not know much about them. While general awareness of COBRA plans was higher, 38 percent of respondents said they expected to pay the same premiums as when they were employed.

In fact, the typical cost of COBRA coverage is 102 percent of the total premium, which is the actual cost of the plan and not just the amount an employee has deducted from his or her paycheck. Without an employer contributing a portion of the premium payments, paying double or more is not unheard of for an individual to keep the same coverage.

(emphasis added)

Granted, folks who are employed and participate in employer-subsidized plans usually have little reason to think about buying health coverage on their own…but it’s a telling sign of just how entrenched in the American psyche the concept of employer-provided health insurance has become.

Of course, the press release is really just a veiled advertisement, seeking to remind readers that (if they’re in good health), Aetna might have an individual health plan available at lower cost than COBRA coverage…but still I find the statistic an interesting testament to public obliviousness on certain subjects.

Getting Individual Health Insurance

Not everyone needs a group policy but everyone needs to be covered by at least an individual health insurance policy. Most of the top names in the industry like Aetna know that there are different low cost health insurance needs that can be can as diverse as critical care insurance to guaranteed health insurance needs, and for that reason they place their trust in place like Insurance Care Direct.

And so should you. This is the company that has made a business out of getting the best for their clients and they’ve been able to do that by:

* Hiring the agents that are licensed. Insurance Care direct only hires the best and most qualified to serve you.
* Having the best online free quote feature. It’s easy to use and efficient. This is the firm that incorporates the best technology into the mix. They know the importance of getting all the best health insurance quotes from the Internet.

Getting the best individual health insurance policy means that you need to have the best brokers on your side and that’s Insurance Care Direct.

Individual Health Insurance Quotes: Everything is Here About it

Paying attention towards your health is not just about curing different ailments or even only preventing several microorganisms that might have a bad effect on your health. The very first step for a person who wants to pay attention towards him is to have a relative assessment of health insurance quotation marks from a large number of health insurance policies sources. This not only makes an individual alert of the several health insurance policies that these companies have to present. This makes easy for a person to take proper decisions regarding the appropriate type of health insurance policies in which she or he desires to go through.

What Are Online Health Insurance Quotes?
The expected sum of cash that a person must spend to be assured under a health insurance policy is called a health insurance quote. If these quotes are presented on internet, these are referred to as online health insurance quotes. The majority of these online health insurance quotes are offered by insurance companies so as to persuade likely customers to buy a policy from them.

Be careful, although, for there are a number of online health insurance quotes that request for a definite fees for the service, even though there are also a few, that present it free of cost. The chief dissimilarity is that, those online health insurance quotes that are paid for present a much more particular quote compare to those quotes that are free of cost.

Individual health insurance quotes are obtainable throughout a variety of health insurance companies whose work is depend upon a large scale region. These individual health insurance works are carried out all through the places in the US. Individual health insurance quotes that are up to one's outlook can be found throughout a range of channels. These individual health insurance policies are accessible through companies, but they are accessible separately on the internet as well.

Online individual health insurance quotes provide an opportunity to look at the different grades of health insurances. Internet resources of individual health insurance quotes offer to save money as well as time. The benefits of the internet health insurance companies are that one can take conclusion on buying such insurance schemes, as already prepared similarities are accessible to him. Sitting contentedly on one's chair, the choice concerning the purchasing of individual health insurance quotes can be taken on the shift of only a fingertip.

Author: Alien

Suggestions for national health insurance: Covering everyone for less

The United States needs to establish individual and family health insurance premiums so that everyone is paying the same percentage of their income per dependent regardless of the source of that income. This percentage would be based on the national cost of health care as a percentage of the gross individual income (not taxable income). In other words, both people on welfare and those earning multi-millions per year would be paying some fair (emotional) share tax deductible premium.

The actual percentage would be slightly higher than the exact equivalent to cover prevention and nutrition education programs, as well as covering administrative costs and the cost of care for those without any income. Also, there would be a surcharge for those who choose to ignore medical advice and/or participate in risky behavior. This surcharge would be based on the rate of how that behavior affects overall cost of health care.

With everyone participating, there would be a reduction in the cost to businesses. There would also be the added benefit of not reducing the effectiveness of our current system of delivery - as everyone would have a vested interest in controlling costs. This would eliminate Medicare and Medicaid and take the cost of health care out of the national tax budget, giving us time to address the other problem with health care.

posted by david1945

Lack of student insurance

The 2009 Statistical Abstract of the United States says that 30 percent of the surveyed 18 to 24 year olds were without health insurance. In college health care needs have to be paid out of the pocket. A typical case might be that the parents dropped their offspring from a plan and they never got back on. As a student with only a part time job, good medical insurance may be hard to come by.

Many students can only afford a low quality plan and that leads to the question of whether the insurance is really required. And that is the bottom line, often students cannot afford insurance. Many students arrive in hospitals and one third of those do not own health insurance.
Maksin insured students - through the university have to pay $110 per month for insurance. With high deductibles and poor coverage this inexpensive insurance is still popular among students. Unless an accident creates huge medical bills all this insurance is useless is how many students think.

Some students just don’t pay for coverage and pay that nothing bad happens. There are many other reasons that students procrastinate over making that health insurance decision. One way to go about it is that if you are healthy and have good genes, set aside a certain amount for a rainy day. If you are not so healthy, perhaps you should get health insurance.

Written by dosh