Health Insurance
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...
How to manage your mortgage (or rent) during the Coronavirus pandemic?
Manage mortgage during the Coronavirus pandemic? For most of us the largest single purchase in our lives, and the most important, is our home. To make the purchase, most of us need to borrow and use the home itself as security for the loan. The loan is usually...
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?
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
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
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?
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
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
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
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?
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...
How to manage the stress during the pandemic? Don’t worry about worrying
If you are reading this you probably already thinking to yourself “How will you manage the stress during the pandemic?”. You have probably already read articles by ‘experts’ with titles such as Coping with stress, Stress management strategies or Manage stress and...
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
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...
Social distancing, quarantine, isolation, What do they mean? What should I do?
It may seem very simple, but for individuals confronted by a threat such as COVID-19 there are, broadly, three conditions: – I am not infected (I don’t want to be infected) I might be infected (I don’t want to infect others) I am infected (I need to be certain...
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
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
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
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
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-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...
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
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?
“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)
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
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
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...
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
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?
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
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,...
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...
2020 ACA Open Enrollment: Health Plans w/ *STAR* Quality
You don’t have much time left to enroll (open enrollment ends December 15th) but for 2020 CMS (Centers for Medicare and Medicaid Services) has moved to make your choices better informed. All Insurers (Carriers) are now required to display a ‘STAR RATING’ for any of...
ACA Open Enrollment 2020: Ends December 15th DON’T MISS OUT
Someone has to be last but don’t let it be you! Give yourself time to discuss your health insurance with experts. Learn how ACA (Obamacare) makes coverage for you and your dependents affordable. In some cases, monthly premiums are entirely covered by tax...
ACA Enrollment: Premium Tax Relief & Cost-Sharing Subsidies
Am I eligible?How much relief will I get?How do I claim the benefit?Who should I talk to? Let’s take these important questions in order Am I eligible for PREMIUM TAX RELIEF AND COST SHARING REDUCTIONS? Almost certainly! Well over 80% of people who enrolled through the...
ACA Open Enrollment 2020 – 5 tips to save money
Stopright now! There isno such thing! We willhave to wait until next year to know what you might have done differently. What we CAN do right NOW is to work together to find the best value health insurance coverage in 2020, for you and your dependents, whether young or...
ACA Open Enrollment 2020: 5 things not to do
Don’t enroll or renew without reading this article! (it could save you $thousands) You may be enrolling for the first time or renewing either as an individual or as a member of a group (employer) scheme. The same rules apply. Focus on the future! Even if you...
THINK PINK. WEAR PINK. October is Breast Cancer Awareness Month.
The average lifetime risk of women developing breast cancer is ONE in EIGHT (12% of women). About 300,000 cases of breast cancer are diagnosed each year in the USA of which about 85% are successfully treated. Sadly, breast cancer is the most common form of cancer...
ACA Open Enrollment Guide How to choose THE BEST HEALTH PLAN?
ACA Open Enrollment 2020 is between 1st Nov to 15th Dec. Contact your health exchange today to get enrol under affordable care act and get affordable health insurance Don’t kick the tires! ASK THE RIGHT QUESTIONS! The purpose of this article is to help both the...
Preventative Care Services: ACA Benefit Saves You Money
Make sure that you and your dependents have theprotection they need. ACA Open Enrollment 2020 is from 1st Nov-15th Dec 2019 One of the underlying concepts of the Affordable Care Act is the certainty that prevention is better than cure. Early detection of a condition...
Special Enrollment Period: It’s not ACA Open Enrollment
ACA ‘open enrollment’ runs from 1st November to December 15th for Health Insurance coverage for the year commencing January 1st 2020. You can only buy ACA-compliant insurance plans during this window. Read more about ACA open enrollment 2020 BUT there are some events...
Choosing Affordable Health Insurance that’s Right for You
For most individuals the first point of contact should be a health insurance exchange, Federal, State or Private. Any of them will help you to navigate the choices in arriving at the best health plan for you from the top health insurance companies. ...
How do you answer question 4? Do you use Tobacco?
As open enrollment comes closer (November 1st)) and you need to contact your health insurance agent looking for your best health plan, you will be faced with four critical questions. Your age?Your location? (many states have different regulations) Do you need an...
¡Próximamente! Inscripción Abierta 2020 ACA: Seguro de Salud
¿Está preparado para recibir la mejor cobertura a un precio asequible? Lea a continuación para descubrir las diferentes opciones que tiene para ACA/Asistencia Obamacare ¡Bueno, amigos! Es hora de sacar su bolígrafo rojo y marcar sus calendarios. ¡Estas son las fechas...
Understand your medical bill
Does it contain surprises? Who can you turn to? What to do next? First, we should admit that all medical care and treatment is expensive and is usually unplanned. It is the main reason for taking health insurance cover. Nevertheless, most insurances leave us with...
LOOKING FOR THE BEST HEALTH PLAN?
Don’t kick the tires! ASK THE RIGHT QUESTIONS! The purpose of this article is to help both the first-time buyer of a health plan and the seasoned enroller to find the best health plan to meet their needs. As we approach ‘open enrollment’ (November 1st to December...
Open Enrollment 2020 for ACA Health Insurance is Coming Soon!
Are you prepared to receive the best coverage at an affordable price? Read below to discover the different options you have for ACA/Obamacare Assistance. Read in Spanish Alright, folks! Time to get out your red pen and mark your calendars. These are the 2020 Health...
THE OPIOID CRISIS. What lies ahead?
The kid says IT HURTS your first reaction WHERE?Don’t worry, I’ll kiss and make it better How does this natural parental reaction to pain lead to what we now recognize as, the ‘OPIOID CRISIS?’ There is no simple answer. We should recognize that our instincts...
The Opioid Crisis: Epidemic Information and Getting Help
The recent, widely reported judgment in the case of Oklahoma vs Johnson and Johnson (which Johnson and Johnson says it plans to appeal) has thrown the problem of the ‘OPIOID CRISIS’ into sharp relief. This article is intended to broadcast both the benefits of opiate...
Health plans with Star Quality
Finally, CMS (Centers for Medicare and Medicaid Services) moves to require Insurers (Carriers) to display a ‘STAR RATING’ for any of their products offered on Health insurance exchanges (Federal, State or private). The CMS STAR RATINGS will be in effect for the OPEN...
Kamala Harris’s Health Care Plan: Medicare-for-All Details
Health care is a defining policy division among the presidential candidates. The Democratic field is in total agreement in its desire to provide universal coverage, but the candidates disagree on how to get there. Sen. Bernie Sanders and Elizabeth Warren are closely...
How much does health insurance cost per month?
The most frequently asked health insurance question-The hardest to answer Under the Affordable Care Act (Obamacare) all US residents are obliged to have health insurance for themselves and their dependents. The act specifies the minimum services to be covered. If...
Buying Cheap, High Quality Health Insurance in South Carolina
As healthcare costs steadily climb, it can be difficult to find an affordable, high-quality health insurance provider in South Carolina. That’s why South Carolinians are more likely to be uninsured compared to the nationwide population. As many as 18% of...
How to minimize emergency room costs?
Before we consider how we can minimize our emergency room costs we need to understand WHY emergency room cost is so high and indeed why there are such wide variations. We can then consider WHAT we can do lessen the number of visits we and our dependents make. If we...
Affordable & Cheap Health Insurance in Oklahoma
Navigating the healthcare system in Oklahoma can be difficult. Finding affordable, high-quality insurance can seem like an even greater challenge. But luckily for consumers, the health insurance market in OK is changing. More providers are moving into the state and...
Finding Affordable Health Insurance in Texas
Healthcare costs in Texas haverisen in the past few years, so it makes sense that Texas has one of the highest rates of uninsured people in the country, with almost 20% of people under 65 lackinghealthcare. The numbers go up if you never finished high school—almost...
Turning 26? Then it’s time to get your own health insurance
Whatever coverage you have now, you will be responsible for your own health insurance when you turn 26. The Patient Protection and Affordable Care Act (ACA or Obamacare) allows young adults to remain on their parents’ health insurance until they turn 26. If you have...
Desigualdades raciales y de bajos ingresos en el seguro médico
Read in English Siguen existiendo desigualdades raciales y de bajos ingresos para la asistencia médica familiar Aunque el porcentaje de estadounidenses sin seguro médico está muy por debajo de lo que era hace una década, ha aumentado desde finales del año 2016. Y...
When is ACA Health insurance Open enrollment 2020?
Dates & Deadlines for 2020 Health Insurance Open Enrollment Health insurance open enrollment runs from November 1st to December 15th, for coverage commencing January 1st, 2020. November 1, 2019: Open Enrollment starts — the first day you can enroll,...
BCBS: 9 million People Gripped by Major Clinical Depression
Women are diagnosed at higher rates of clinical depression compared with men as reported in the BCBS report Blue Cross Blue Shield (BCBS) published a report just over a year ago which drew attention to the impact on the overall health of Major Depression also known as...
Poor Dental Hygiene Does More Than Ruin Your Smile
Failure to brush your teeth, floss, or visit the dentist regularly can affect more than the look of your smile. People who struggle to get into the habit or lack dental insurance that allows them to get cleanings and take care of problems as they arise are particular...
Low-income and racial disparities in health insurance
Read in Spanish Racial & low-income family healthcare disparities remain Although the percentage of Americans without health insurance is far below what it was a decade ago, it’s been rising since the end of 2016. And significant racial health disparities remain:...
Short Term Health Plans: Good Idea or Junk Insurance?
The judgment recently handed down by Judge Richard Leon of the US District Court of Columbia upholds the regulations which allow the sale of ‘short term’ health insurance policies for periods up to 36 months. A decision, either way, would have had its critics. ...
Special Enrollment Period for ACA Health Insurance
Qualifying Life Events can help you get coverage during Special Enrollment Periods for ACA (Affordable care act) health insurance There are defined ‘lifetime events’ which ‘trigger’ a personal special enrollment period. This period is normally a 60-day window prior to...
Minimum Essential Coverage: 10 Key ACA Health Guarantees
Health insurance is all about being prepared for what might happen, and how you can protect your family from potential financial risk. With this insight, you can be informed of the Minimum Essential Coverage (MEC) plans available and the ten health benefits...
Health Insurance Penalty Changes: What This Means for You
Did you know? ACA health insurance penalties are over. While there will no longer be a financial penalty for not having insurance coverage, the biggest penalty that still exists, is the risk of facing expensive medical bills in the event of an illness, an...
OBAMACARE – The Pros and the Cons
When Congress approved the original Patient Protection and Affordable Care Act, 2010 (known as ACA or OBAMACARE) their aim was to- Enable all American citizens to obtain the healthcare they needLower the costs of treatment and care for the individualEnsure the quality...
Understand the Health Insurance ‘Metal’ Tiers
How to select the health insurance category aka the metal tier that is right for you. Before you do anything else…PLAN To get the best value from your health insurance it is important to build on what has happened in the past and consider what may happen in the...
How to shop for affordable health insurance?
Do I need health insurance? You may think that neither you nor your family needs health insurance. You may be right, but you won’t know until it’s too late! Insurance is all about the future; things that will happen but we don’t know when or things...
Confused About Obamacare: Buying the Right Health Coverage
We have put together an easy guide.. just for you! How many times have you stopped midway while filling your health insurance documents? Or have postponed buying coverage because you don’t have the time to understand the health care law? Firstly, if you’re confused...
How Can You Get Health Insurance Coverage Outside Open Enrollment
Health Insurance Plans after Open Enrollment are available with a qualifying event Open Enrollment for 2021 ends on Dec 156th 2020. If you need health insurance now. There are two options: Check if you qualify for a Special Enrollment Period. The next Open...
7 Facts About COBRA Health Insurance You Should Know
The CONSOLIDATED OMNIBUS RECONCILIATION ACT, ‘Continuation in medical insurance’, was introduced in 2017 to ensure that employees, who are members of an employer-sponsored group health insurance schemes, have a secure route to continued coverage in the event of...
4 Health Insurance Benefits + COBRA: Lower Employee Stress
Of all other things that keeps me worried, one major concern that remains is- what if I am laid-off by my employer? Losing my job not only stops my earning until I have found myself a new one, but also puts my family’s happy dwelling at stake. Things get worse when I...
You Think You Don’t Need Health Insurance? Check the Consequences
The Open Enrollment 2017 and the Presidential polls are around the corner. If Mrs. Rodham Hillary Clinton (leading) comes to power, will she be able to answer all the doubts about ACA? The debate whether ACA is actually effective in helping every U.S. citizen acquire...
7 Things that indicate your Health Insurance Broker is good
Hurry! 14 days have passed since Open Enrollment 2017 has begun. If you haven’t done any research on health insurance requirements, the new rules and strict regulations that have been introduced and penalties for not enrolling into the program, better look for a good...
How Much does Health Insurance Cost
There are minimum hundred intermediaries within different health insurance enterprises that offer health insurance plans. The U.S. Health insurance industry is one complicated place, which only the highly experienced and experts are capable of understanding. To...
Worried about your Health Insurance Deductible? We can help
While buying health insurance plan, you are always confused about health insurance deductible. It can be really confusing to understand if a low deductible health insurance plan or high deductible health insurance plan will work. Think again. If you thought that a...
Difference between HDHP and Catastrophic Health Insurance Plan
So, you have been told about catastrophic health insurance plan. You now think all is going to go well as you can buy one catastrophic health insurance plan and you are sorted at least for a short time period. While doing your home work on catastrophic plan, you were...
