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benefits of having health insurance

This summary of benefits and field include a new health plan comparison tool for standardized consumer called " coverage examples", much like the packaging to label the nutritional value foods. Examples of coverage would illustrate how a health insurance policy or plan would cover the care for the benefit of the common scenarios. The use of clear standards and guidelines provided by the Consumer Information Center and Monitoring Insurance ( CCIIO ), plans and issuers will simulate the processing of applications for each scenario so that consumers can see an illustration of the coverage they are getting for their money at a premium scheme. The examples will help consumers see how valuable the health plan will be when they may need the coverage.

Having health insurance is important for several reasons. The uninsured receive less medical care and less timely care, they have worse outcomes in health, and lack of insurance is a financial burden for them and their families. In addition, the benefits of coverage expansion outweigh the costs for value-added services. Care safety net hospitals and clinics improves access to care, but does not replace entirely for health insurance. These results are supported by a lot of research, although some caution is appropriate in using these results.

Uninsured adults get less preventive and screening services, and on a less timely basis. Deficits are documented for many types of disease or condition, including cervical screening uterine and breast cancer as well as tests for high blood pressure or cholesterol. Cancers, for example, are more likely to be diagnosed at a later stage of the disease when treatment is less effective. Uninsured pregnant women use less prenatal services, and children and uninsured adults are less likely than their uninsured counterparts to report having a regular source of care, to see medical suppliers, or receive any recommended treatment. Deficits are particularly notable for chronic diseases. For example, uninsured adults with heart disease are less likely to stay on drug therapy for high blood pressure.

Having health insurance is important because coverage helps people get medical care in a timely manner and improve their lives and health. Some may believe that people still have access to medical care because they can always go to an emergency room. But even in areas with well- supported safety net care not to remove barriers to access to the same extent as having health insurance. " Coverage issues," said the Institute of Medicine (IOM ) during a recent multi-year assessment. Indeed, the prestigious IOM believes that the lack of coverage was associated with about 18,000 additional deaths per year among uninsured adults. Several points are worth noting.

Some uninsured may decide not to obtain insurance precisely because they are not expecting to need medical care, so simple comparisons of the insured and uninsured may be misleading. However, many studies adjust factors such as age and health status that affect need care. A recent study looked at people who have had an unintentional injuries or new chronic condition when both treatments are more clearly necessary. The uninsured were less likely to seek medical care, and they received some initial caution, they were more likely to get any of the recommended follow-up care.

In an article written by the Family Foundation Henry J. Kaiser he said that 46 million people in the United States. Health care benefits lack either because their employer does not offer or employees can not afford it. This is a major concern because when insured, you receive less medical care and timely care less they seem to be people who have more serious health problems. While insurance can be expensive, it can cause a greater burden of not having insurance when serious injuries occur.

From 1 January 2014, most people will be required to purchase health insurance, and those who do not get health insurance will have to pay a penalty under federal patient Protection and Affordable Care Act of 2010. The insurance requirement penalty provision exempts persons with income below the poverty line and those in prison, tribal members of Status Indians, those whose religious principles obstacle health insurance, and those for whom the cost of basic health insurance coverage for a month exceeds 8 percent of their gross household income for the year. People who do not meet one of these exemptions, but refuse to purchase health insurance, may be penalized up to $ 95 in 2014, $ 350 in 2015, $ 750 in 2016 and $ 750 more of an increase in cost of living for subsequent years. According to SmartMoney, the penal provision is likely to have the greatest impact on personal finance for young, single consumers. Although the law exempts the poorest people of its provisions, the penalty for failing to have health insurance will have a negative impact on the personal finances of those to whom it applies.

Lack of health insurance can lead to the death of a breadwinner, further causing the most severe reduction in household income. According to a Harvard Medical School study reported by Reuters news, about 45 000 people in the US die each year due to lack of health insurance. Thus, people who otherwise could serve as breadwinners and caregivers are removed to be able to do. The Urban Institute points out that people who do not have health insurance create the considerable economic impact of reduced personal gain because healthy years means less work and less productive more time off work due to illness or injury during these years of work.

A freelance writer since 1978 and attorney since 1981, Cindy Hill has won awards for articles on organic farming and wild foods, and has published extensively in the fields of law, public policy, local food and gardening. She holds a BA in State University political science from New York and a Master of Environmental Law and a JD from Vermont Law School.

These changes are good news for those aged 50-64 - especially the 9 million uninsured in this group and the 4 million who purchase health insurance on their own. A new study by HealthPocket, an independent research firm, found that less than 2 percent of existing individual health plans provide all the essential benefits 10. On average, today's plans offer 76 percent of the profits.

There are three popular types of health insurance : Health Maintenance Organizations ( HMO), Point of Service (POS) plans and Preferred Provider Organizations (PPO ). An HMO is a monthly premium plan that says you have to go to specific health care providers on a list for your insurance covers it. A POS is a plan where there is a network of doctors; However, if we refer you to another doctor or outside the network, the insurance will cover it. You can refer to care outside the network, but you will pay the coinsurance. A PPO is similar to an HMO, but as a POS plan, you can go outside in the list given to you, with much less coverage. Of course, should you go on your list, you will retain your full coverage.

Health insurance is important to have because it reduces the pocket amount you have to pay for health care. It also ensures that you will be well taken care of when you are sick or injured. You can use the above tool to see what companies have policies that interest you, you can get excellent coverage for as little as possible. Start comparing health insurance quotes for free now!

As medical costs continue to rise these days, so do our chances of having to pay large sums of money just to acquire the appropriate medication if you or a member of your the family becomes ill or has an accident. Prepare yourself and do not take risks. Because we never really know just when we need of such a wise investment that health insurance can give.

Having health insurance means that your plan takes care of some of your medical expenses. And you will be encouraged to consider preventive care that can help you avoid illness and allows you to save money you have spent on treating the disease.

Health Problemsare sometimes inevitable and it is certainly as a person ages, but mostdevastating something happens to you that can come suddenly and without notice isan accident. Accidents also claims many lives and have hundreds of careersto stop letting the person and his family penniless medical billsincurred. However, this is only true when you are not prepared, when only gives you not protected by health insurance.

Health insuranceis very beneficial because it provides you the form of unexpected healthproblems protection including temporary or permanent injury and death. Having a mutualite keep your worries in the financial burden you may encounter when oryour family illness and accidents come. Because health iswealth as the saying goes, setting aside an ample amount of your hard earned moneywill give you the long-term benefits.

Enter the Affordable Care Act (ACA). The ACA was signed intolaw in 2010 with a goal of making health insurance more affordable for allAmericans, even those who have a preexisting condition. The insuranceMarketplace Health was created under the ACA as a place where consumers can compare their optionsand choose a cover for themselves and their families.

Cindy Wang Morris of the American Psychological Association, agrees. " Any person living with mental illness or serious physical knows firsthand the enormous costs of health care in the United States, " she said. " Health insurance coverage can mitigate the potentially catastrophic effects of health care costs. Even without a serious illness, many Americans do not have the financial means to pay for treatment. "

Marcia Miller Telthorster, vice president of human resources at Princeton HealthCare System, agrees, adding : " If something unforeseen happens - illness or injury a few adults have the resources to cover costs without health insurance. It could be left to the bills that will last a lifetime. "

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