Money stress weighs on Americans’ health

May 9, 2020

While aspects of the U.S. economy have improved, money continues to be a top cause of stress for Americans, according to APA’s Stress in America: Paying with Our Health survey released on Feb. 4.

According to this year’s survey results, parents, younger generations and those who live in households with below median income report higher levels of stress than Americans overall, especially when it comes to stress about money.

“Regardless of the economic climate, money and finances have remained the top stressor since our survey began in 2007,” says APA CEO Norman B. Anderson, PhD. “Furthermore, this year’s survey shows that stress related to financial issues could have a significant impact on Americans’ health and well-being.”

The survey, which was conducted by Harris Poll on behalf of APA among 3,068 adults in August 2014, found that 72 percent of Americans reported feeling stressed about money at least some of the

Health Insurance Marketplace Calculator | The Henry J. Kaiser Family Foundation

May 8, 2020

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The FAQs below are intended to help you understand this Calculator. More detailed questions and answers about signing up for coverage are available on our Health Reform FAQ page.

Where can I go for help understanding how the health reform law will affect me?

If you have questions about how the health reform law will affect you and your insurance options, please go to Healthcare.gov, or contact their Help Center at 1-800-318-2596 if you have questions that cannot be answered on their website. You can also contact your state’s Consumer Assistance Program, Exchange, or Medicaid office with questions about eligibility and enrollment.

The Kaiser Family Foundation is not able to provide individual advice on your insurance options. However, we do provide answers to a number of frequently asked questions below, along with more detailed questions and answers in our Health Reform FAQ page.

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Missouri health insurance: find affordable coverage

May 6, 2020

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Health insurance in Missouri

Missouri’s health marketplace

State legislative efforts to preserve or strengthen provisions of the Affordable Care Act

How hard has Missouri tried to preserve the Affordable Care Act’s gains? See how Missouri compares to other states.

Missouri utilizes the federally facilitated marketplace, which means residents enroll through HealthCare.gov if they want a plan through the exchange.

Open enrollment for 2020 health plans has ended, although residents with qualifying events can still enroll or make changes to their coverage for 2020. The next open enrollment period, for plans effective in 2021, will begin November 1, 2020.

Three insurers – Oscar Health, SSM Health Insurance, and Cox Health Systems joined the exchange for 2020 – bringing the number of insurers to seven.

Read our guide to the Missouri health insurance marketplace.

Missouri enrollment in qualified health plans

As in most states, Missouri’s exchange enrollment peaked in 2016, when 290,201 Missouri residents enrolled in private plans through the exchange. Enrollment declined in 2017,

What Is Health Insurance?

May 5, 2020

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What is health insurance and why do I need it? Health insurance protects you and your family from a financial hardship due to medical expenses in the untimely event that you are injured or become ill. There are four types of health insurance, you may need just one or you may need a combination to ensure you have the most insurance coverage possible. It is best to evaluate each type of insurance to obtain an accurate account of which type will best suit your needs.

Individual medical coverage is designed for people who do not receive this type of coverage through their employer or family. Medical supplement insurance is designed for the elderly who contribute to Medicare however, desire additional coverage to supplement expenses that Medicare won’t cover. Hospital income insurance is intended to compliment your main health insurance program. This coverage provides a prearranged daily benefit amount for unforeseen … Read More

Insurance | Travelers’ Health | CDC

May 4, 2020

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If you are planning an international trip, you should consider getting travel insurance to cover yourself against accidents or illness while you’re abroad. Even if you already have medical insurance back home, it may not cover you when traveling outside the United States, or if it does cover you that coverage may not be enough.

There are 3 types of insurance you should consider: trip cancellation insurance, travel health insurance, and medical evacuation insurance. These will cover different situations and may give you financial peace of mind, as well as allowing for safe and healthy travel.

Trip Cancellation Insurance

Trip cancellation insurance covers your financial investment in your trip, such as flights, cruises, or train tickets. Carefully examine the policy to make sure that it covers what you need it to cover, including cancellation if you or a close family member gets sick. Depending on the policy, trip cancellation insurance

The Affordable Alternative to Traditional Individual Health Insurance

May 4, 2020

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As a way to begin let’s define what I mean by traditional health insurance. The traditional health insurance policy is composed of:

The deductible – This is the amount that you have to pay for a medical event before your health insurance will start to pay. In today’s world that deductible is often $3000 or more.

The coinsurance – After the deductible is met most policies require that the insured pay a percentage of all medical costs up to a maximum. Usually the insured pays anywhere from 20% to as much as 50% of every dollar billed.

The copays – In an attempt to make routine health care accessible many policies include a copay for doctor visits and prescriptions in lieu of having to meet a deductible. An example of this is the $10 office visit copay.

Maximum Out-Of-Pocket Costs – This is the most that an insured can expect … Read More

Health Insurance Quotes Without Giving Your Phone Number

May 4, 2020

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Getting health insurance quotes without giving your phone number is easy and something you should do right now. Whenever you are online do you stop when asked for your phone number and best time to call? I do…I can’t stand to be interrupted at home…especially by a salesperson.

Asking for your phone number is an intrusion most people avoid. The bad news is they are unaware of market conditions in personal health insurance. Health insurance is an expensive, necessary evil but it should be something you should never overpay for. Asking for a phone number is a turnoff. But there is good news…

You can get up to a hundred health insurance quotes without giving your phone number. You are asked for the following and the following only, for each person you are trying to insure:

· Zip code

· Gender

· Date of Birth

· Smoker or not

· … Read More

Repricing on Health Insurance Claims

May 4, 2020

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We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately … Read More

Overusing Your Health Insurance

May 4, 2020

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When reviewing health plans and evaluating cost, keep in mind health insurance wasn’t designed to cover every penny related to health care.

Everything under the sun on an open credit card is nice, but not when you are paying the bill. But you are.

The purpose of insurance is to cover sudden very expensive losses. It’s about making you whole again and not have the financial responsibility of a ton of money to do it. Somehow we all decided over the last 60 years that the traditional plan should pay for everything.

Health insurance is the only insurance product, for the most part, that pays for first dollar coverage like doctor visits and prescription drugs. The healthcare system gamed the system on the bigger bank account paying the bill, not the small guy. The tables have turned…

Employees are more responsible for their healthcare in paying more for premium dollars … Read More

Health insurance for individuals & families

May 3, 2020

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Disclaimers

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

No individual applying for health coverage through the individual marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

Dental and Vision products are administrated by related companies. Each company is a separate entity and is not responsible for another’s financial or contractual obligations.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another’s financial or contractual obligations.

Administrative services

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Tag: Health