Health Insurance


Top 5 Reasons Why Disability Claims Are Denied

Top 5 Reasons Why Disability Claims Are Denied

Because filing for Social Security disability can be complicated, it’s not unusual for a claim to be denied at first; however, many of those who are denied initially go on to be successfully approved for benefits. To increase your odds of approval, it’s...
Why Are Not All Drugs Covered Under Health Insurance?

Why Are Not All Drugs Covered Under Health Insurance?

Coverage for prescription drugs can be a complicated part of your health insurance plan. It’s common for a plan to cover at least some drugs, but few plans will cover all available medications. Much of the time, what you pay within your plan will depend on the...
How to buy health insurance this open Enrollment?

How to buy health insurance this open Enrollment?

Open enrollment occurs at the end of each calendar year, and it’s the period when many Americans secure their health coverage for the next calendar year. Unless you have experienced a qualifying event, such as losing a job or a change in marital status, this may...
How to Get Antidepressants without Insurance

How to Get Antidepressants without Insurance

Depression and anxiety are debilitating mental health conditions that affect every aspect of life. Symptoms can range from irritability and lack of motivation to severe depressive episodes that leave you feeling helpless. For about 10% of Americans over the age of 12,...
ACA Open enrollment guide-How long it takes to enroll?

ACA Open enrollment guide-How long it takes to enroll?

Open enrollment only lasts about two months each year, give or take — it can be longer or shorter, depending on which state you live in. But even six weeks is more than enough time to compare plans, as well as apply and sign up for health insurance. Preparing ahead of...
What Is a Health Insurance Deductible?

What Is a Health Insurance Deductible?

Some of the most potentially confusing questions around health coverage involve health insurance deductibles: what they are, how they work, why they exist, and how patients can find the best possible plans from a deductible standpoint. And while these questions all...
Health Care for African Americans

Health Care for African Americans

Almost 44 million American citizens are Black or African American, making up 13.4% of the U.S. population. This demographic experiences a long-standing and disproportionate burden regarding health and access to medical care in this country. And while the Affordable...
Can my ACA Health Insurance be cancelled?

Can my ACA Health Insurance be cancelled?

Can my ACA Health Insurance be cancelled? If you ask this question because your insurer has threatened to cancel your coverage, or you have reason to think that they might.  The short answer is YES. Many things can trigger the cancellation of your policy.  In...
Make the Most of Open Enrollment in 2021

Make the Most of Open Enrollment in 2021

Open Enrollment for the 2021 insurance period is set to begin on November 1st, and while many people view as a chore, it’s worth taking the time to understand the process and weigh your options. Spending even just a few minutes doing some research can save you...
Does Life Insurance Cover Suicide?

Does Life Insurance Cover Suicide?

Suicide is a serious public health issue in the United States, being listed as the tenth leading cause of death in the country in 2018, according to the CDC. It’s more common than homicide, and over the 20 years leading up to 2018, the rate of suicides in the...
The Special Enrollment Period (SEP) Change in Residence

The Special Enrollment Period (SEP) Change in Residence

The Affordable Care Act (ACA) has a restricted enrollment period from January 1st until November 1st each year. It is an arbitrary rule for health insurance enrollment, but there is a way to get health insurance outside of this brief period if...
Think Obamacare Health Plans Cost a Lot? That’s Not Always True

Think Obamacare Health Plans Cost a Lot? That’s Not Always True

If you’ve lost your job during the pandemic, and with it your health insurance, you may think that Obamacare plans are too expensive and therefore not worth seeking. Or maybe you’re worried about whether the coverage will withstand legal challenges. Think again,...
Making Sense: An Affordable Care Act Refresher & Quick Guide

Making Sense: An Affordable Care Act Refresher & Quick Guide

The Patient Protection and Affordable Care Act came into effect in 2010. Prior to the introduction of the act, insurers had the right to refuse individuals health coverage for any reason, effectively preventing many people from accessing the benefits of health...
Is It Illegal to Not Have Health Insurance?

Is It Illegal to Not Have Health Insurance?

It’s often repeated that health insurance in the United States is mandatory and that people are required to have a health insurance policy that meets standards known as “minimum essential coverage.” So, is it illegal to not have health insurance? Let...
Why Is Health Insurance so Expensive?

Why Is Health Insurance so Expensive?

Health care concerns have been escalating at a rapid pace, and the COVID-19 pandemic has further exacerbated fears among virtually every demographic. According to the Kaiser Family Foundation, health care costs head the list of household expenses people worry about....
Can You Cancel Health Insurance at Any Time?

Can You Cancel Health Insurance at Any Time?

Health insurance is one of the most important ways in which you can protect yourself, both from health risks and financial ones. It gives you peace of mind knowing that your medical bills will be covered should you fall ill. While the individual mandate part of the...
Health Insurance: What Is a Co-Pay? (With Examples)

Health Insurance: What Is a Co-Pay? (With Examples)

Healthcare, health insurance and the medical billing industry are confusing and complex spaces. Sometimes, when talking to insurers and the billing department at your local doctor’s office, it can feel as if they’re speaking a different language. Here is...
Does Health Insurance Cover Therapy?

Does Health Insurance Cover Therapy?

Every year, millions of Americans seek professional help for mental health issues, yet there are many others who do not do so because of fear that they won’t be able to afford the bills. The costs associated with mental health (and indeed medical billing in...
MAKING SENSE: Finding the best deals on health insurance

MAKING SENSE: Finding the best deals on health insurance

So. Many. Choices.  I’m Overwhelmed! Which is the BEST Affordable Health insurance plan? Should I use an Insurance Agent?       Everyone searches for the BEST health insurance plans for themselves, their family, or business. But with hundreds of...
What’s the Difference Between Term and Whole Life Insurance?

What’s the Difference Between Term and Whole Life Insurance?

The two main types of life insurance are term life and whole life, and the price difference between these policies can be hundreds of dollars per year. Understanding who these policies are most suitable for as well as the benefits can help you make the best decisions...
5 Ways to Get Healthcare If You Lost Your Job Because of COVID-19

5 Ways to Get Healthcare If You Lost Your Job Because of COVID-19

Whether you lose your job because of the recent pandemic or because your employer is simply shaking things up with a merger (or downsize), the financial blow to you and your family can be huge. It’s not just the loss of income and need to find another job; you...
North Carolina Gets Second Health Clinic by Michael Jordan.

North Carolina Gets Second Health Clinic by Michael Jordan.

One year after the first Michael Jordan Family Medical Clinic opened its doors in Charlotte, North Carolina, the basketball great and his partner Novant Health have opened second health clinic. The second health clinic by Michael Jordan will support the North End...
Smoking and health insurance. All you need to know

Smoking and health insurance. All you need to know

Smoker or not, anyone applying for ACA-compliant health insurance (Obamacare) has to answer the question: Do you use tobacco? Does Smoking affect Health Insurance premium? For those who smoke cigarettes, cigars, a pipe, or chew tobacco, the answer is simple. For those...
COVID-19 Health Insurance Options

COVID-19 Health Insurance Options

How can I lessen the chances of being infected by COVID-19? What is the latest advice on COVID-19 protection? What are COVID-19 Health Insurance options? Three questions as we approach Open Enrollment (November 1st) for 2021 ACA (Obamacare) health insurance coverage...
Short term health insurance options

Short term health insurance options

Short term health insurance. Do I have a choice? What are my options? If you are reading this article, you are probably without health insurance coverage.  Possibly this is by choice, perhaps through oversight, but most likely because you have lost your job-related...
Think Obamacare Health Plans Cost a Lot? That’s Not Always True

Health Insurance Exchange: Buying Cheap Health Insurance

Rich or poor, we all want to save money. When planning for health care it makes sense to look for cheap health insurance. Healthcare in the U.S. is expensive, and the Federal government doesn’t offer a single standardized, affordable health insurance program....
GOOD NEWS for Seniors w/Diabetes! Trump Caps Insulin Prices

GOOD NEWS for Seniors w/Diabetes! Trump Caps Insulin Prices

Updated 3rd-August-2020 Under recently announced plans, Seniors enrolled in Medicare can choose policies that limit co-pays for insulin.  President Trump endorses a deal designed to benefit a significant group of US citizens. Who is eligible for this...
Coronavirus Impacts on Pregnancy: COVID-19 Precautions

Coronavirus Impacts on Pregnancy: COVID-19 Precautions

Last updated on 26th-July-2020 COVID-19 is a NEW ‘flu-type’ respiratory disease. We emphasize the word ‘new’ because biologists and epidemiologists worldwide are still investigating the virus and how it spreads. Despite the enormous strides made in research techniques...
COVID-19: Wear a Mask? Why Does the Guidance Change?

COVID-19: Wear a Mask? Why Does the Guidance Change?

Do I have to wear a mask? “Do I have to wear a mask?” … This is the easiest question to answer. It is your choice, but in some States and some circumstances, you will be breaking the law if you do not. The important issue is to rapidly reduce the...
Small businesses, COVID-19 insurance and you

Small businesses, COVID-19 insurance and you

We are going to look at the impact COVID-19 is having on employer-sponsored (group) health insurance, and more widely on small business insurance in general.  But first, we need to understand how it concerns us, the ‘average American’. For most of us our...
Health Insurance Open Enrollment 2020

Health Insurance Open Enrollment 2020

Finding affordable health insurance for you and your family can be difficult. Especially when you try navigating the health insurance marketplace by yourself. Truecoverage wants you to learn everything that you need to know about the health insurance open enrollment...
Health Insurance for Unemployed

Health Insurance for Unemployed

When you lose your job, one of the biggest concerns is “what about my health insurance?” In most cases, you would have lost health insurance when you lost your job. There are options for health insurance for unemployed people. Lost Health Insurance? Here’s What You Do...
Should I Use a Broker to Get Health Insurance?

Should I Use a Broker to Get Health Insurance?

As an individual trying to navigate through choosing your own insurance, you may find that this is an incredibly daunting task. What are you looking for? How do you know if an insurance plan is right for you? Unless you know a lot about health insurance and navigating...
Defund the police. What does it mean? Where will it lead?

Defund the police. What does it mean? Where will it lead?

All fires, even the largest conflagrations, start with a spark and dry tinder. What was the spark, and what the tinder that set first Minneapolis, America, and now cities across the world aflame?  Aflame with shared slogans, “Black lives matter”, “Defund the...
Enjoy a Safe Summer! Don’t Let COVID-19 Spoil Your Fun

Enjoy a Safe Summer! Don’t Let COVID-19 Spoil Your Fun

Make your summer more enjoyable by learning how to manage risks during summer activities. Right now, there is no such thing as a zero-risk situation. But the great joy of summer is the opportunity for more social occasions, entertainment events, and sporting...
How to manage student loans during Coronavirus pandemic?

How to manage student loans during Coronavirus pandemic?

Anyone who has a student loan knows just how complicated it can be.  The impact of the Coronavirus pandemic does not make it any easier to navigate the almost limitless alternatives and you must be looking for ways to manage student loans during Coronavirus...
How to manage auto loans during Coronavirus pandemic?

How to manage auto loans during Coronavirus pandemic?

In this article we give some guidance on the options available to you to lessen the impact of the COVID-19 pandemic and manage auto loans during Coronavirus pandemic. If you think you may fall behind on your auto loan, call your lender and explain your situation. The...
Trouble Paying Bills? Pandemic Money Management

Trouble Paying Bills? Pandemic Money Management

There can be very few American families who are not financially affected by the COVID-19 pandemic and finding difficult to manage money during Coronavirus pandemic.  The key to finding financial protection from Coronavirus is to recognize them and face them. The...
COVID-19 Financial Protection: Managing Money

COVID-19 Financial Protection: Managing Money

The COVID-19 pandemic now affects everyone in the U.S. It also is causing trouble throughout the world. The Coronavirus affects each individual, family, community, state, and nation differently, ut COVID-19 financial protection is something on everyone’s mind....
COVID-19- Balancing the harms! When will we be prepared?

COVID-19- Balancing the harms! When will we be prepared?

Right now (early May 2020) state governors up, down and across the USA are making decisions about ending or at least relaxing the regulations introduced to control the COVID-19 pandemic. Balancing the harms The USA is not alone in facing the invasion of the COVID-19...
Social Isolation Impacts: Unintended Consequences

Social Isolation Impacts: Unintended Consequences

Much has been written and said about the impact of social isolation due to the COVID-19 pandemic is having and will continue to have on the world and national economies.  All of us are experiencing changes to our way of life, some of which will become the ‘new...
Getting America Back to Work Safely. The COVID-19 Unknowns

Getting America Back to Work Safely. The COVID-19 Unknowns

When Donald Rumsfeld, then Secretary for Defense, introduced the idea of “known unknowns” when appearing before a Senate committee in 2002, he was referring to weapons of mass destruction.  WMD proved to be largely fictitious.  In 2020 COVID-19 has been...
When Can We Return to Normal? Trump Eager to Reboot Economy

When Can We Return to Normal? Trump Eager to Reboot Economy

President Donald Trump on April 16, 2020, issued federal guidelines for states to reopen their economies amid the coronavirus pandemic. The three-phased approach announcement acknowledges that states are not ‘legally’ bound to follow the White House instructions. Read...
COVID-19 Info 3: Economic Impact payments. Am I entitled?

COVID-19 Info 3: Economic Impact payments. Am I entitled?

What is Economic impact payment? Payments being made by the US Government to most US residents to reflect the financial impact that COVID-19 (Coronavirus) is having both on families and the economy as a whole is called economic impact payment. The payment is worth...
COVID-19 Update-The Truecoverage digest-April 2020

COVID-19 Update-The Truecoverage digest-April 2020

The impact of COVID-19 on us as individuals and on the American economy is without precedent, as the Press and Broadcast media constantly remind us.  The politicians, pundits, and public opinion formers assault us from all sides with facts and opinions in a...
COVID-19 treatment-Humana and Cigna agree to waive costs

COVID-19 treatment-Humana and Cigna agree to waive costs

Early last month President Trump announced that tests for COVID-19 infection would be included in the ten Essential Health Benefits (EHB) specified in the Affordable Care Act (ACA). NOW, two major health insurers HUMANA and CIGNA have come forward with an ADDITIONAL...
COVID-19 Self-Isolation: How to Keep Family & Friends Safe

COVID-19 Self-Isolation: How to Keep Family & Friends Safe

The suggestions in the article are guidance for all members of a household where one or more members are self-isolating in order to minimize the possibility of spreading the COVID-19 virus to the wider community. Individuals should self-isolate if they have symptoms...
Health Insurance after Termination: Use COBRA Insurance?

Health Insurance after Termination: Use COBRA Insurance?

What is COBRA health insurance? First, what does it stand for? COBRA stands for Consolidated Omnibus Budget Reconciliation Act, now that’s out of the way, So What does COBRA do? COBRA is the federal legislation which ensures that employers who offer group health...
Special Enrollment Period-SEP: Qualify? Household Changes

Special Enrollment Period-SEP: Qualify? Household Changes

Health insurance plans which are compliant with the Affordable Care Act are intended to run from January 1st until December 31st without change. This rule is designed to make it impossible to change a plan in mid-year to cover additional risks or to avoid paying...
Special Enrollment Period-SEP: Qualify? Health Insurance

Special Enrollment Period-SEP: Qualify? Health Insurance

Health insurance plans which are compliant with the Affordable Care Act are intended to run from January 1st until December 31st without change. This rule is designed to make it impossible to change a plan in mid-year to cover additional risks or to avoid paying...
Joe Biden, building on Medicare. The public option

Joe Biden, building on Medicare. The public option

For most of us healthcare, both for ourselves and our loved ones whether juniors or seniors, is one of our highest priorities.  Our politicians, whether Republican or Democrat, recognize this and put healthcare, (as represented by the Affordable Care Act, or...
Free Coronavirus tests-President Trump and Top insurers agree

Free Coronavirus tests-President Trump and Top insurers agree

In a welcome announcement on March 10th 2020 Vice President Pence made public the offer by major Health Insurance Companies to ‘waive all copays on coronavirus testing in all their benefit plans’. Last week Medicare and Medicaid, on instructions from President Trump,...
COVID-19 Info 2: Save Others by Taking Care of Yourself

COVID-19 Info 2: Save Others by Taking Care of Yourself

COVID-19-Prevention and Treatment We all know that prevention is better than cure so we will deal with PREVENTION first. Prevention of COVID-19 (Coronavirus) There is currently no vaccine to prevent coronavirus disease 2019 (COVID-19) nor a specific anti-viral...
Meet the 105 yr old man and his bride(96): Married 79 years

Meet the 105 yr old man and his bride(96): Married 79 years

A black couple identified as A.J. & Lillie Reeves from Virginia who are 105 and 96 respectively, have celebrated 79 years of happy marriage. According to a video seen by Briefly.co.za on Wsls.com, the couple has been recognised in the US House of Representatives...
When is a surprise not a surprise? When it’s a SHOCK!

When is a surprise not a surprise? When it’s a SHOCK!

When it comes to healthcare surprise billing may come as a shock. Perhaps it hasn’t happened to you, but almost certainly you know someone who has been on the receiving end.  Should there be Federal ‘surprise’ medical billing legislation? One in five ER visits...
COVID-19 Info 1: Taking Care of Yourself Helps Everyone

COVID-19 Info 1: Taking Care of Yourself Helps Everyone

The contents of this item are drawn from the latest   Centers for Disease Control and Prevention (CDC) publications concerning the Coronavirus Disease 2019 (COVID-19). COVID-19 is described as a flu-like disease, for which there is currently no approved...
Can Elizabeth Warren really reduce health care costs?

Can Elizabeth Warren really reduce health care costs?

“and millions more Americans will have the choice to ditch their private insurance and enter a high-quality public plan” Elizabeth Warren (Warren for President, January 2020) Does Elizabeth Warren have a health care policy that can build on the Affordable Care Act...
Does President Trump really want to repeal the ACA (Obamacare)

Does President Trump really want to repeal the ACA (Obamacare)

When he introduced the 2020 federal budget President Trump re-emphasized his intention to repeal the Affordable Care Act, known more popularly to most of us as ‘Obamacare’. Perhaps that is the issue! Trump and Obamacare! The Affordable Care Act is irrevocably...
Medicare for all who want it: Pete Buttigieg’s healthcare plan

Medicare for all who want it: Pete Buttigieg’s healthcare plan

Healthcare policy was the central issue during the 2018 mid-term elections which led to the democrats winning a majority in the House of Representatives.  Among the leaders in the race for nomination for the democratic candidacy the common theme is, ‘affordable...
Mike Bloomberg’s Affordable healthcare plan

Mike Bloomberg’s Affordable healthcare plan

Just recently the TrueCoverage team wrote an article ‘MEDICARE FOR ALL EXPLAINED’ and concluded that while the Democratic party had a distinctly different approach to funding national healthcare from the Republicans, they had yet to find ‘a policy which values...
Is pain management covered by health insurance?

Is pain management covered by health insurance?

What are the risks of long term opioid treatment? Medicare Part A/Part B or Part C Advantage with Drugs coverage or Medicare Part D drugs coverage ensure that prescribed pain management care while part of a medical procedure is included in your plan. Among the drugs...
African American history month – Black history month

African American history month – Black history month

The annual observance of Black History Month in February has its origins dating back to 1926 when the historian Carter G Woodson, author of ‘The Journal of Negro History’, announced the second week in February to be “Negro History Week”. The flame flickered until, in...
Low-cost health insurance in Texas

Low-cost health insurance in Texas

Are you looking for affordable health insurance in Texas If you live in Texas and need individual health insurance for the first time, or if you are thinking of changing to a new plan or getting low-cost health insurance, do nothing until you have read this article....
Does my health insurance cover me for Coronavirus?

Does my health insurance cover me for Coronavirus?

First things first, you are reading this article because you are concerned about the effect a Corona or corona type disease might have on you and your dependents. So, let’s be absolutely clear about three things, The chances that you or one of your loved ones becomes...
Discovery Paves the Way for Dementia & Migraine Treatments

Discovery Paves the Way for Dementia & Migraine Treatments

Scientists from New Zealand have just made the “remarkable discovery” of the brain having its own blood pressure sensors—and they say it could pave the way towards new treatments for dementia, high blood pressure, migraines, and a dozen other conditions. For decades,...
Trae Young cancels $1 million of medical debt in Atlanta

Trae Young cancels $1 million of medical debt in Atlanta

NBA superstar Trae Young is starting off 2020 by giving back to his new city in a HUGE way … by helping cancel out more than $1 MILLION in medical debts for people in Atlanta. The 21-year-old pro teamed up with a nonprofit called RIP Medical …...
ACA Open Enrollment 2020 – take 15 minutes out to get covered

ACA Open Enrollment 2020 – take 15 minutes out to get covered

Enroll in an ACA compliant health insurance plan! WHY? To ensure that you and your loved ones have coverage in 2020 that takes advantage of state and government reliefs and subsidies to which they are entitled. All compliant coverage will protect you and your...