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Short Term Health Care Exclusions Guide

Short-term medical insurance has excellent uses for individuals who need a health care plan, but don’t plan on keeping it forever. A short-term insurance plan is useful if you are between jobs, waiting for a new plan to start, or seeking an alternative to a COBRA plan. However, these types of policies come with exclusions and other conditions that make it not suitable for everyone. If you are in the market for a short-term health care plan, be mindful of these common exclusions and conditions. Pre-existing Conditions Short-term health insurance plans don’t cover...

Do I Need Health Insurance When I Travel...

When you plan a trip, you want to ensure your adventures are fun and safe. If you are planning to venture abroad, you’ll want to: Obtain the necessary documents such as passports and visas. Know about any required immunizations. Research the places you plan to visit. You should also prepare for the unforeseen by obtaining insurance to cover the costs of your medical needs in the event of an injury or illness. Some countries require visitors to carry travel or accident insurance. Before leaving the country, you may be required to show proof of insurance to the nearest...

What is the Difference Between Life and ...

With so many products on the market to protect you, it can be overwhelming to figure out the ones you need and the ones you don’t. For example, life insurance and accident insurance policies provide coverage in the event of your death. However, one can also pay out if you are severely injured and one only pays upon your death. Life Insurance Life insurance provides a benefit to your loved ones in the event of your passing. If the policyholder’s death occurs during the term of the policy, the beneficiaries will receive the payout (also known as a death benefit)...

Does Vision Insurance Cover Cataract Sur...

The National Eye Institute indicates that cataract surgery is one of the most common surgical procedures performed today. It is also one of the safest and most effective operations – about 90 percent of the individuals who undergo this kind of eye surgery report better vision afterwards. A cataract is the clouding of the eye’s lens. The clouding will cause vision loss. How Vision is Affected by Cataracts Clumps of protein reduce the image’s sharpness before it reaches the retina. When protein clumps, the lens clouds up, reducing the amount of light getting to the...

What You Need to Know About Maternity In...

Pregnancy marks an exciting time in a woman’s life. It also means spending more time in your doctor’s office. However, individual health insurance plans have not always provided coverage for expectant mothers. Prior to 2014, pregnancy benefits were only covered by about 12% of individual health insurance policies. This meant that once a woman became pregnant, she would pay for medical services out of pocket or have to add a special rider to her insurance plan. In addition, pregnancy was considered a preexisting condition, making things even more difficult for...
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