Health Insurance

Personalized care is not a substitute for health insurance. Members are strongly advised to maintain their health insurance. Full Answer

No, prescriptions are not covered under all private health plans, especially managed care plans. Managed care plans offer a formulary or a list of the drugs they cover.  Your copay depends on whether you get a generic drug or brand name drug and... Full Answer

Women, Infants and Children (WIC) is a short-term program that provides food, nutrition information and health care referrals to low-income women, infants and children under the age of 5. You have a certification period of six months to a year to receive... Full Answer

If you don't have group insurance through an employer or association, you should consider buying private health insurance to make sure your coverage does not overlap. You don't want to forgo important checkups and treatments while going without health... Full Answer

While there were experiments as early as the 1920s, employer-sponsored health insurance truly began during World War II. During the war, wages were capped by the federal government, so employers needed another means to entice and keep employees. The... Full Answer

Yes, you may be eligible for health insurance with a mental health condition. One option is to pay for mental health services out of pocket so your doctor does not need to report it to the insurance company. If you have a group health plan or public... Full Answer

You might consider a supplemental insurance policy if you worry that you may not be able to meet your financial responsibilities if you incur major medical bills. According to a 2007 Consumer Reports survey, 65 percent of Americans feared losing their... Full Answer

Yup! In general, supplemental insurance is a private health insurance policy that helps cover some of the large number of gaps in your current health insurance coverage. Medigap is a type of supplemental insurance for people with Medicare.... Full Answer

Yes, states regulate health insurance so plans differ across the nation. States such as New York and New Jersey require insurers to offer coverage to every applicant, regardless of health status or age, but at very high premiums. Conversely, some states... Full Answer

Private insurance differs from group plans because they do not have to accept all applicants at the same rate. Your eligibility and how much you pay are determined by your age, weight, smoking status and health history so a medical exam may be required.... Full Answer