Health Insurance


What Does it Cost to have a Baby in a Hospital?

What Does it Cost to have a Baby in a Hospital?

Nearly 4 million women in the United States will give birth annually and in 2020 alone, approximately one in nine U.S. women of childbearing age was uninsured. If you are insured, the cost of having a baby will require you to first meet your insurance’s deductible,...
Does Insurance Cover Abortions?

Does Insurance Cover Abortions?

Due to the recent leak of a draft supreme court ruling with the potential to overturn Roe V. Wade, many Americans have questions regarding current and future abortion protections in the United States. One such common question is whether insurance even covers the cost...
Will my Health Insurance Cover Therapy?

Will my Health Insurance Cover Therapy?

According to NAMI, the National Alliance on Mental Illness, an estimated one out of five U.S. adults experience a mental health issue every year. However, many of those afflicted do not seek help for their problems due to a litany of reasons, such as the stigma...
Millions at Risk to Lose Health Insurance as Pandemic Ends

Millions at Risk to Lose Health Insurance as Pandemic Ends

A recent CNN.com article detailed the recent successes of the Affordable Care Act (ACA) as well as the approaching risk of losing coverage for many of those success stories due to the end of the pandemic’s national public health emergency. Under the current...
Moving? What a Change in Residence Means for Your Health Insurance

Moving? What a Change in Residence Means for Your Health Insurance

While the 2022 Open Enrollment window for the Affordable Care Act (ACA) ended at the beginning of the year, don’t fret if you haven’t gotten cheap health insurance coverage! We are currently in the Special Enrollment Period (SEP), which allows certain triggering...
Do I Need & am I eligible for a Second Covid-19 Booster Shot?

Do I Need & am I eligible for a Second Covid-19 Booster Shot?

Even if you are fully vaccinated against COVID-19, your immunity to COVID reduces over time. Booster shots are needed to maintain your resistance to infection and reduce the chances of the more severe consequences that might lead to hospitalization. The word “viral”...
Am I or Someone I Love, an Alcoholic?

Am I or Someone I Love, an Alcoholic?

Most people in America consume alcohol periodically, more than 85 percent in fact. Occasional use of alcohol is not necessarily harmful. Some doctors claim that small quantities of alcohol add to the beneficial effect of a good diet in reducing the incidence of heart...
What is Alopecia? (Hair Loss)

What is Alopecia? (Hair Loss)

For many, the pop-culture debate regarding the slap heard round the world at this weekend’s Academy Awards ceremony has resulted in more questions than answers. Today we will get down to the root of one of those questions; just what is alopecia anyway? Alopecia is the...
Understanding Developmental Disabilities in Children

Understanding Developmental Disabilities in Children

Anyone considering starting a family, expecting a child currently, or just watching their current children grow will at some point worry about any possible developmental disabilities present in their child. But just what are developmental disabilities? This is...
Kidney Health During Kidney Month

Kidney Health During Kidney Month

March is National Kidney Month, but one should be aware of kidney disease year-round. But just what is chronic kidney disease? Thirty-seven million Americans suffer from chronic kidney disease, and millions more are at risk to join them, so the problem is more common...
Thyroid Disease Awareness

Thyroid Disease Awareness

Did you know that approximately 20 million Americans are affected by some type of thyroid disease? But just what is the thyroid, and why does it matter? The thyroid is a butterfly-shaped endocrine gland in your neck just above your collarbone, wrapped around your...
Stay Heart Healthy for American Heart Month

Stay Heart Healthy for American Heart Month

February is American Heart Month. But just what is the difference between a heart attack, heart failure, stroke, and how are they affected by conditions such as heart disease and high blood pressure? Stoke and cardiac arrest (also known as a heart attack) are acute...
Five Things You Can Get Free From the U.S. Federal Government

Five Things You Can Get Free From the U.S. Federal Government

We all pay taxes, and we all resent it. So often, it seems like we get nothing tangible in return. Still, there are many things you can get free of charge from the federal government, here are just a few: 1) Cell Phone – Recognizing that cells phones are essential for...
How to Find Affordable Health Insurance Coverage for Young Adults

How to Find Affordable Health Insurance Coverage for Young Adults

If you are currently a young adult, you probably do not remember a time before the inception of the Affordable Care Act (ACA), sometimes called Obamacare. Back then, insurance companies did not have to continue covering you through your college-age years. But one of...
Free COVID-19 Home Tests Coming to Medicare

Free COVID-19 Home Tests Coming to Medicare

As we recently reported to you on the TrueCoverage blog, health insurers were recently required by the current administration to cover the cost of several COVID-19 home testing kits per month. Surprisingly, this U.S. government requirement of health insurers did not...
How to Get Free COVID-19 Tests and Masks

How to Get Free COVID-19 Tests and Masks

With the recent surge of the fast-spreading Omicron-variant of COVID-19, it seems like every pharmacy you visit is out of tests, and every in-house testing facility features long lines and even longer waits for results. That is why the U.S. government has introduced...
Cancer Awareness, Detection, and Prevention

Cancer Awareness, Detection, and Prevention

Cancer Awareness Most people know the effects of cancer, regardless of the type, on an individual and their family. Studies have found there is a 40 percent chance of developing cancer among men during their lifetime. This statistic likely does not surprise you. It...
Congenital Disability (Birth Defect) Prevention

Congenital Disability (Birth Defect) Prevention

Not all congenital disabilities (once referred to as birth defects) can be prevented. Still, risks can be reduced by making good choices before and during pregnancy, increasing the likelihood of having a healthy baby. Identifying Congenital Disabilities By using...
Five Ways to Get Healthy in the New Year

Five Ways to Get Healthy in the New Year

Have you ever seen a list of ways to get healthy in the New Year? Bet you have. There are lots of them. Most of them will tell you to start a new trendy and complicated diet, start working out every day, or otherwise completely change your life. This will be a...
Maximizing Your Annual Health Insurance Plan Deductible

Maximizing Your Annual Health Insurance Plan Deductible

Like all forms of insurance, health insurance is designed to protect you from the unexpected. Very few of us can afford the high costs of medical interventions resulting from chronic illnesses or severe accidental injury. But unlike other forms of insurance,...
But What is in the Build Back Better Bill?

But What is in the Build Back Better Bill?

The House has passed President Biden’s chief bill of legislation for his first term, the Build Back Better Bill, which features all sorts of improvements to citizens’ healthcare and childcare but also other more partisan agenda items, such as assistance...
Diabetes Awareness Through the Holidays

Diabetes Awareness Through the Holidays

For the past 46 years, the United States has recognized November as National Diabetes Month to bring awareness to the disease. But now, as we exit the Thanksgiving holiday and begin thinking about consuming all the rich foods of the remaining...
What Does Working from Home Mean for my Health Insurance?

What Does Working from Home Mean for my Health Insurance?

What Does Working from Home Mean for my Health Insurance? In October 2021, the U.S. Bureau of Labor Statistics reported that 4.1 million people had quit their jobs in the United States during 2021. Many of those millions...
Tips to Relieve Seasonal Depression

Tips to Relieve Seasonal Depression

When days get shorter, and the weather gets colder in the fall and winter, you might notice a change in your mood, too. Seasonal depression, also known as seasonal affective disorder (SAD), refers to the depression that correlates with the change...
Veterans Day 2021

Veterans Day 2021

Veterans Day is fast approaching this coming November 11, and it offers us a day to honor and give thanks to America’s veterans of all wars. Observed on World War I’s Armistice Day, the date was initially made a federal holiday in 1938 to honor The Great War’s...
OSHA Lays Out Rules of Biden’s Vaccine Mandate

OSHA Lays Out Rules of Biden’s Vaccine Mandate

There has been much speculation regarding President Biden’s vaccine mandate in the few months since it was announced. Still, now the Occupational Safety and Health Administration (OSHA) has issued rules regarding the rollout, as detailed in a recent NPR article....
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...
The Fight to Hold on to ACA Enhancements in Congress

The Fight to Hold on to ACA Enhancements in Congress

A recent CNN report detailed the current Congressional battle to hang onto temporary enhancements made to premium healthcare subsidies by the American Rescue Plan (ARPA). These additions to the Affordable Care Act (ACA) allowed an additional nearly 3 million people to...
Dr. Fauci Says Halloween 2021 is a Go for Kids and Adults

Dr. Fauci Says Halloween 2021 is a Go for Kids and Adults

As the Food and Drug Administration is still considering Pfizer’s request to authorize their COVID-19 vaccine for use by children aged 5 to 11, one might assume that the nation might face yet another canceled year of Halloween trick or treating for the kids. But not...
Why Get a Flu Shot with a COVID-19 Vaccine?

Why Get a Flu Shot with a COVID-19 Vaccine?

As flu season begins, many people are planning to get a flu vaccine. But does it matter if you have been vaccinated against the coronavirus? The Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO) recommend annual influenza...
The 1, 2, 3 Open Enrollment Renewal Process

The 1, 2, 3 Open Enrollment Renewal Process

As we approach the Affordable Care Act’s Open Enrollment period from November 1, 2021, through January 15, 2022, for 2022 plan year coverage, you are hopefully thinking about renewing your policy and any potential changes to be made to...
Suicide prevention month

Suicide prevention month

Did you know that suicide is the tenth leading cause of death in the U.S. States? According to the Centers for Disease Control and Prevention (CDC), it absolutely is, totaling almost 50,000 deaths in 2019. Suicide and mental health issues are on the rise during the...
Recent Poll Finds Eldercare a Fast Growing Workplace Concern

Recent Poll Finds Eldercare a Fast Growing Workplace Concern

A recent article on Benefits Pro details a Homethrive2021 Employee Caregiving Survey that found that two-thirds of respondents stated that expanding access to home-based care for the elderly is important. In fact, this ranks higher in importance to middle-class...
Is it illegal not to have health insurance?

Is it illegal not to have health insurance?

Are there penalties for not having health insurance? To insure or not insure? The first of these questions is very easy to answer.  No federal mandate forces you to have health insurance-so the choice is yours.  If you are looking for the answer to this...
Employers mull health insurance surcharges for unvaccinated

Employers mull health insurance surcharges for unvaccinated

Some employers may tack on health coverage surcharges for employees who don’t plan to get fully vaccinated against COVID-19, according to an Aug. 5 blog post from Mercer, an asset management firm. The blog post likened the health insurance surcharge...
Can my health insurance plan be canceled at any time?

Can my health insurance plan be canceled at any time?

The emphatic answer is NO!   UNLESS? UNLESS WHAT? In this article, we set out the grounds on which either you or your insurer can cancel your health insurance plan and the consequences. The good news is that you can change your current plan to meet a change of...
Are my health insurance premiums tax-deductible?

Are my health insurance premiums tax-deductible?

A simple question? -YES A simple answer NO? We explain who is eligible and how much you can claim. First, let’s briefly consider the purpose of health insurance and secondly the reason why since 2010, the federal government, through the Affordable Care Act...
How quickly must I pay for my visit to the hospital?

How quickly must I pay for my visit to the hospital?

Very few of us are glad to find a hospital bill in our mailbox. If the amount is small or at least manageable, we won’t worry too much.  We should, of course, make sure that amounts are correct and then pay within the specified period, typically 30 or 60 days....
Which is better, an HMO or a PPO Health Insurance Policy

Which is better, an HMO or a PPO Health Insurance Policy

A Health Maintenance or a Preferred Provider Organization? WHICH IS BEST FOR YOU? We begin with a brief explanation of the differences between these two types of health insurance plans, HMO and PPO, and then discuss some reasons for choosing one or the other. Each has...
I can’t pay my medical bill – What should I do?

I can’t pay my medical bill – What should I do?

If you are reading this article, you are probably worried about a medical or hospital bill that you will find challenging, or even impossible, to pay.  It is no great comfort to know that you are not alone. Every year thousands of Americans find themselves in the...
Getting Infertility Coverage through the ACA Extension

Getting Infertility Coverage through the ACA Extension

As of mid-July, more than 2 million Americans have signed up for health insurance coverage under the Affordable Care Act’s special enrollment period that the Biden administration put into place because of COVID-19. Illinois operates a partnership exchange with...
When should I take my child to the dentist for the first time?

When should I take my child to the dentist for the first time?

The Why, Who, and When of that first visit. Will it be covered by the AFFORDABLE CARE ACT (ACA)? Just about everyone can list a few reasons WHY good dental care is essential.  As a parent, you are aware from your own experience, good or bad, how vital oral health...
Does my health insurance cover overseas travel?

Does my health insurance cover overseas travel?

When planning a trip abroad, a cruise, a job assignment, or even a permanent relocation, you need the security of knowing that your health insurance plan covers (and your dependents) should you get sick or injured. Many policies, including ACA-compliant plans, do not...
Congress must Extend ARPA Benefits to keep Premiums affordable.

Congress must Extend ARPA Benefits to keep Premiums affordable.

Without Congressional action to extend the innovative tax credits implemented as part of the American Rescue Plan Act (ARPA), 2023 consumer healthcare costs could skyrocket. The ARP Act signed in March 2021 A significant part of the ARPA benefits is the temporary...
Stomping out COVID-19 Vaccine Myths

Stomping out COVID-19 Vaccine Myths

Misinformed people throughout the country continue to latch on to misbeliefs, nonsense, and outlandish tales instead of protecting themselves and the rest of the Nation. COVID-19 vaccine myths seem to have real staying power, and this has severe consequences for...
Understanding Hospice Care

Understanding Hospice Care

Deciding for a loved one to go into hospice care can be an overwhelming and difficult decision. However, if you discuss your options with us beforehand, it may help put your mind at ease. Let’s talk about whether or not hospice is the best option for both of...
When Should I See an Allergist?

When Should I See an Allergist?

If you’re feeling tired all the time, your throat is constantly sore, or you have a stuffy nose and itchy eyes most of the time, then you probably might be experiencing symptoms of allergies. But when should people see an allergist? Read our article on: Do I...
ALS: What does Insurance Cover?

ALS: What does Insurance Cover?

ALS is a neurodegenerative disease that affects nerve cells in the brain and spinal cord. The progressive degeneration of motor neurons in ALS eventually leads to paralysis or death. It’s important to know what your insurance covers before you decide how you...
How Will My Lyme Disease Diagnosis Affect My Health Insurance?

How Will My Lyme Disease Diagnosis Affect My Health Insurance?

Have you ever checked for ticks after going for a hike or walking through tall grass? If so, you’re probably familiar with the risks of Lyme disease – the most common vector-borne illness in the United States. Every year, over 30,000 people in America will...
What Are the Costs of Caring for a Loved One with Alzheimer’s?

What Are the Costs of Caring for a Loved One with Alzheimer’s?

If you have a loved one with Alzheimer’s disease, you probably want to provide them with the best care possible. You might be wondering what types of care will be covered by Medicare and other health insurance plans, from in-home care to assisted living facilities to...
How Does My Health Insurance Change If I Adopt a Child?

How Does My Health Insurance Change If I Adopt a Child?

First of all, congratulations! Adopting a child is a very exciting time in many parents’ lives. The decision to add a new child to the family also comes with a variety of considerations, including health insurance coverage. Rest assured that federal law requires your...
ACA Insurance Marketplace Reopens Feb 15th – August 15th 2021.

ACA Insurance Marketplace Reopens Feb 15th – August 15th 2021.

January 28th, 2021: President Biden reopens ACA insurance marketplace In a Thursday morning call, a Biden White House official touted today’s executive actions on health care, telling reporters, “In basic terms, what that means is that starting in just two...
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. ...
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...
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