Health Insurance Q & A
HealthInsuranceUSA is pleased to provide the following list of some of the more frequently asked questions regarding health insurance.

 
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Q: Why do we need health insurance?
A: Health insurance helps you pay for the high costs associated with healthcare as well as protect you from any catastrophic medical emergencies, say in the event of a serious illness or injury. Health insurance also helps make it more likely that you will seek out routine preventative care from a regular doctor as well as provide you access to healthcare whenever you require it.

Q: Can an insurance company legally deny someone coverage?
A: The short answer is yes. The bottom line of an insurance company is to make a profit and rolex replica they can’t profit if they grant coverage to people who carry higher healthcare risks. Insurers are well within their legal right to discriminate based upon medical history and pre-existing conditions. Of course, they cannot deny anyone access based solely upon other factors such as race, gender, and ethnic background.

Some states have laws, which stipulate that insurers must grant coverage to individuals with pre-existing conditions within a pre-defined timeframe. This does not ensure the coverage will be affordable. Of course, if you feel that you have been denied replica rolex datejust coverage for other reasons, you should contact your state’s insurance commissioner.

Q: Are employers required by law to offer group health insurance coverage?
A: There is no federal law which requires employers to offer group health insurance. But, the idea has been considered by Congress as a way of providing employees access to affordable health insurance.

Q: Are there any options for someone with a pre-existing condition?
A: 30 states have established programs known as high-risk pools. These offer health insurance to people who either don’t have access to group health insurance coverage or have been denied coverage due to a pre-existing condition. These programs are typically funded by premiums as well as through tax revenue. If you wish to find out if your state has a high-risk pool you should contact its insurance commissioner.

Q: What if I cannot afford health insurance?
A: If you are a low-income, poor or near-poor individual and you cannot afford health insurance, you may qualify for a program such as Medicaid or the State Children’s Health Insurance Program (SCHIP). Contact your nearest social services office to find out if you qualify. You should also know that in the event of a medical emergency, you cannot be turned away or denied treatment at a hospital even if you have no health insurance coverage.

Q: What is Medicaid?
A: Medicaid is a federal and state program. It operates at the state level and extends healthcare coverage to low-income individuals. It helps those who cannot afford healthcare coverage by paying some or all of their medical expenses.

Medicaid is only available to people with low or limited incomes. Each state has its own eligibility requirements and may vary in what and what isn’t covered. You should contact your local social services office to see if you qualify. Please check the government pages in your phone book for the number of an office near you.

Q: What is SCHIP?
A: State Children’s Health Insurance Program (SCHIP) was created by Congress in 1997. It is a joint federal-state program similar to Medicaid, the purpose of which is to provide health insurance to children of low-income parents who make too much money for Medicaid but still cannot afford private health insurance.

SCHIP eligibility requirements vary from state to state but typically coverage is extended to uninsured children 18-years-old and younger in families of four or more who make $34,100 or less. SCHIP provides coverage for physician treatment, immunizations, hospital stays, and emergency room visits at little to no cost. You can learn more about SCHIP by contacting your local social services office.

Q: What is Medicare?
A: Medicare is the nation’s largest health insurance program covering people 65-years and older. Medicare is administered by the Centers for Medicare and Medicaid Services. Typically it pays for many healthcare services as well as supplies. Sometimes Medicare covers the entire bill while other times it may require a small co-payment.

Medicare coverage may be available to people under 65 if it is determined they have a qualifying disability or debilitating condition as defined by the Social Security Act. If you wish to learn more about Medicare, please visit for more information.

Q: What is COBRA?
A: The Consolidated Omnibus Budget Reconciliation Act (COBRA) was signed into law by Congress in 1986. COBRA allows for the continuation of group health insurance for employees in situations where they might otherwise lose their benefits, such as in the case of termination. Typically, COBRA participants must assume their entire premium, but this can still often be less than buying individual private health insurance. In order to qualify for COBRA, participants must meet certain requirements. You can learn more about COBRA eligibility and coverage by visiting http://www.dol.gov/dol/topic/health-plans/cobra.htm.replique rolex haute qualite
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