My health

My-Health-Isurance.Info

For more info please visit XTRA INFO-Health Articles

Universities usually offer students some type special health insurance benefits that are slightly less expensive and more appropriate for a young, healthy student's needs than more expensive commercial insurance plans. Many student work while in school and also may be able to get insurance though their employer for a reduced group rate that will cover more for their money. But for the student who does not work or live at home, insurance options can be tough. If the student has no qualifying dependents, they may not be able to qualify for public assisted health benefits. They would have to rely on the school's health plan or go to a local clinic that pro-rates the cost of care. If you are an international student, you must have complete medical coverage before attending the college of your choice.

The student benefits cover basic health insurance for all students enrolled in 11.5 credit hours per semester automatically. If you have less than 11.5, you will have to purchase the plan for a small fee. Graduate students and teaching assistants get a different type or health insurance package from the school. They have the option of having their health care benefits through an HMO or through a comprehensive type group such as Blue Cross/Blue Shield. With the HMO plan you will pay a monthly fee from your paycheck or a yearly cost that will part of your tuition. That will allow you to receive care at a low fee co-pay option. It also gives you the ability to have extra coverage in case of emergencies or referral to specialists. With the comprehensive plan, you will go to a pre-approved doctor, pay him or her, and then submit your bill or receipt of payment to the insurance company for reimbursement. You will need to take to your particular school to see what benefits are available, who is eligible, and at what cost. Read the rest of this entry »

Nowadays, it is becoming quite an uphill and unmanageable task to take care of your family’s health care needs, especially when they are not covered under any insurance plans. The inflated medical bill is the main factor which has raised awareness among people towards importance and benefits of health insurance policy. The benefits and facilities provided under insurance plans differ from policy to policy and company to company. Therefore, factor like the company from which you have purchased the policy is equally important besides factor like which insurance policy you have selected.

In America, people in a large number prefer purchasing various health insurance policies of Golden Rule Insurance Company. Golden Rule is a reputed name of the insurance industry which is providing preventive healthcare measures to the Americans through its diverse policies from over 60 years. Affordability and ability to deliver the desired benefits are two main propelling factors which are increasing popularity of Golden Rule Insurance plans among masses. Availing quotes and information about Golden Rule Insurance Company is a cakewalk for the U.S. citizens as HealthInsurance.net proficient online advisory services will help every citizen to get the desired insurance coverage within his limited budget.

Types of plans offered by Golden Rule Insurance Company Read the rest of this entry »

Health Check Costa Rica's true inception began when my baby sister developed hepatitis C from a bad blood transfusion in the late 1980's. We rallied as a family and when she bounced back after a year I really thought that we had averted this crisis permanently. I knew she had to take some medication but in every other way things were back to normal. Little did I know that 15 years later the disease had taken a toll that required her to seek a full liver transplant. The year we spent battling this with her was a year I will never forget. This was a year that had me inside a hospital almost every single day. I sold my house and quit working so that I would have money to help and to be by her side full time. I saw from the inside exactly what was good and what was bad about our health care system. What struck me was that like in so many walks of life there was the good and the bad that needed to be accepted and sometimes shades of gray not easily interpreted.  But some iniquities were simply too harsh. What struck me and stuck with me during this experience, the observations that both affected me and often infuriated me is why I eventually formed Health Check Costa Rica.

  From the stories that I heard and the people I met it in the hospital it was very clear and quite tragic that there were people dying every day because they were being turned away from quality care from lack of funds or adequate insurance. I truly thought this iniquity to be inexcusable in a country of such wealth and majesty. It screamed of injustice and seemed so random as to be akin to rolling dice. If you had good insurance or worked for the right company or had the right education then you were Ok. If not you were turned out to die. It's that simple. It's that harsh.

Ultimately my sister's Hospital bills topped out at over a million dollars. In seeing those numbers and seeing the astronomical prices for certain things it occurred to me that no one could really afford this except for the top .01% of the population. So how could we even as a society afford this? Where did these prices come from? Well I translate it something like this. These are insurance companies paying these bills. Patients are not usually going line by line and challenging certain outrageous costs. No these are insurance companies approving these expenses and then meeting behind closed doors to figure out how to pass this on to the consumer and still make a buck. Hence the ridiculous prices for health insurance and ultimately health care and really why a majority of people remain uninsured. The health insurance companies have dropped the ball and the thinking is "as long as we are making our percentage, well the higher the better."

  Lastly litigation has helped skyrocket the price of care and really has forced doctors in to a no win situation. An OB GYN in Florida is required by law to pay as high as $200,000 dollars per year for medical malpractice insurance. That's right, 200k before they can make a dollar for themselves. Who do you think ultimately pays this? You the consumer! One additional reason so many remain uninsured is this lack of long overdue tort reform and absurd compensations. Finally the tragic result I saw with my own eyes in my sister's case was these high powered surgeons in high risk areas were forced to carry such a heavy case load to pay off these insurance costs that none were able to give their patients the care or personal attention they needed or the attention they deserved. They were forced to use lesser skilled underlings to catch complex diagnoses and symptoms and I can tell you straight up. THIS DOES NOT  WORK. The system is terribly broken.

The day my sister finally left Spaulding Rehabilitation hospital in Boston was the day I set out on my adventure to Costa Rica with my jeep Cherokee loaded for jungle survival. With all my computer equipment and clothes, my dog Seikan and I began our long dangerous drive to Costa Rica, neither of us with any Spanish just a lot of hope for a new life. Costa Rica really has much to offer and we have enjoyed living here and working and while many of things we take for granted in the United States do not exist here conversely neither do many of the bad things. I am constantly struck by the lack of sirens, and airplanes each time I hear this it is surprising to me. Infrastructure still has a long way to catch up to the US but one of the big surprises I had when I began research for Health Check several years ago was that the overall health care system was ranked higher than the United States