Where to Buy Individual Health Insurance

The Affordable Care Act significantly changes the availability, costs and benefits of individual health insurance plans. The law guarantees access to comprehensive and affordable packages without discrimination against you for existing health conditions. If you are ready to enter the individual market, you have four options for choosing a package.

Individual Insurance Exchange (Market)
Insurance company
Health Insurance Agent / Broker
Web Broker
Individual Insurance Exchange (Market)

How it works: This is a government-run online exchange created through the Affordable Care Act. You can find your country exchange at www.healthcare.gov. You create an account and provide information about your family, income, age, and health insurance provided by the company. Then you can compare packages and learn how much each costs. You can also find out if you qualify for a tax credit or subsidy to help you pay for the package.

Advantages: You can easily see what packages are available in your area, including costs, provider networks, and benefits. But perhaps the biggest advantage to buying your insurance on the exchange is that you may qualify for tax credits and subsidies. This can reduce your premium and payment costs.
Weaknesses: Some exchanges are difficult to trace.
Insurance company

How it works: You can directly visit the insurance company website or call the company to get information about available packages. You can even register in packages online or by telephone.
Advantages: You deal with an insurance company that can guide you through the plan.
Disadvantages: If you buy directly from an insurance company, you are not entitled to a premium tax credit. You also can’t easily compare packages between insurance companies.
Health Insurance Agent / Broker

How it works: Health insurance agents work for one company, so your choices are limited. However, the broker is independent and represents several companies. Agents and brokers must have a license to sell health insurance in your country. And they have to work with anyone who approaches them, regardless of income. They also need to receive special training and certification to sell insurance on the exchange. In some cases, they also need to register with the federal government. You can find agents or brokers who specialize in health insurance at the National Association of Health Underwriters, www.nahu.org.
Advantages: Both can help you find insurance on the exchange or directly from an insurance company. They can also provide expert advice along the way.
Disadvantages: Insurance companies pay broker and agent fees, so there may be a bias to direct you to a plan that provides the highest commission. Brokers can also charge separate fees to you. Plus, if you buy a package outside the stock exchange, you are not entitled to tax credit or subsidies.
Web Broker

How it works: Web brokers like www.eHealthinsurance.com, www.HealthPlanOne.com, and www.InsureMonkey.com operate personal websites. These sites can directly register you in health insurance plans, including public exchange plans.
Advantages: You can view and register in packages from several insurance companies. The web broker must display all health packages that meet the requirements that appear in the public exchange. But they are not permitted to sort plans in a way that can lead you to a specific plan. They also have to reveal who pays them and how and cannot charge separate fees.
Disadvantages Not all countries allow Web brokers to register people in public exchanges. Also, insurance companies pay fees to brokers, so there may be a bias to direct you to a plan that provides the biggest commission. Plus, if you buy a package outside the stock exchange, you are not entitled to tax credit or subsidies.

source: www.northshore.org

Affordable Health Insurance for Self Employed

Did you know, about 50% of the US population is protected by health insurance through work and 35% is covered through a public health plan. While the Affordable Care Act, also known as Obamacare, increases coverage options for many people, Entrepreneurs find it increasingly difficult to obtain affordable health insurance. If you are an entrepreneur and in good health here are some alternatives.

Minimum Essential Coverage

These plans provide preventive health care services that are required under affordable care laws and individuals who register in this plan are exempted from not having health insurance because they provide the minimum essential coverage required by health law.

This package includes doctor fees, laboratories, and other diagnostic services needed based on age and sex as described in the health care law. Premiums are around $ 100 – $ 150 for this type of package. However, they will not cover services for illness or injury.

Health Package Unbelievable

This type of plan provides benefits for medical and hospital costs. However, they do not provide all conditions under health laws such as preventive care, pregnancy and mental health. These plans exclude coverage for pre-existing conditions or establish a long-term waiting period before existing conditions can be covered.

Although these types of packages will not help you avoid tax penalties because they do not have coverage that can be credited, they can be purchased in addition to the Minimum Essential Protection Package. With that combination, the person can obtain preventive benefits, add medical and hospital services for illness or injury and avoid tax penalties.

This plan is more affordable than the Obamacare plan and can be a good alternative for healthy entrepreneurs and unable to buy coverage that can be credited through their employers or the Federal Market. Premiums are in the range of $ 200 – $ 1,000 for this type of package depending on the service you want to include in your coverage.

Health Cost Sharing Plan
These plans are offered through groups of individuals who share religious-based values. Even though members do not have to be part of a particular religion, they are committed to a healthy lifestyle, good health habits, and believe in helping others. Members have reciprocal agreements to share other medical expenses. This means that healthy members pay the costs of members who need health services due to injury or illness.

This package is not supported by an Insurance Company and not insurance. This means that medical expenses are borne if a member’s contribution is enough to pay. People who are members of this plan are excluded from paying penalties for not having health insurance because of their religious beliefs. Premiums are in the range of $ 200 – $ 1,000 for this type of package depending on the service you want to include in your coverage

source: assurnet.biz

Best Private Health Insurance Plans for Families

A page researched several insurance companies for more than two weeks, they researched, compared, and evaluated the best national health insurance providers. They see package options, premiums, availability and applications. Another important aspect of choosing an insurance provider is customer service, they also know how responsive each company is. Even though everyone has different health care needs, the companies they recommend have a reputation and reliability.

Blue Cross Blue Shield – Overall Best

This old insurance company has many choices, so there must be a comprehensive plan that meets your needs. According to the page Blue Cross Blue Shield is a national provider consisting of local companies that are operated independently. This means that the coverage is wide but can vary depending on where you live. There are more packages compared to other insurance providers they evaluate. In fact, they provide a choice of around 20 packages during testing. There are side-by-side comparison features that describe certain costs and benefits with pop-up windows that show you more information about each. Premium, in their tests they are in the range of the average price of other websites they test. Costs are slightly above average for customers aged 44 to 55 years, but not many. Even though we try to test as completely as possible, the quotes that you get will vary depending on your needs and your own medical history. There are benefits available through health and welfare programs. You can get discounts for health clubs, fitness monitors, diets and products and other health related services and prescription managers where you can order drugs online or by mail. You can also find a doctor on the network anywhere on a website or mobile application, which is useful when traveling. And speaking of travel, temporary international coverage is available.

Humana – Best for Seniors

They also mentioned that Humana is a good choice for consumers in parts of the United States, because it is only available in 22 countries. If you happen to live in one of these states and are over 45 years old, chances are you will see a lower premium compared to other insurance companies. In their tests, they looked at policies for single non-smokers in five different places. They found lower premium rates than many other companies they tested, especially for seniors. This may vary depending on your health and personal background, but generally this is an affordable company. They got about a dozen package options in their queries, which they considered to be a viable option. The company also offers health protection at home, which is useful for older customers or those who have chronic diseases that can affect their ability to live alone. There are no short-term plans available, so this is not a place to shop if you are between jobs or waiting for new job insurance. You also get access to health benefits like HumanaVitality, an online gift program intended to help users develop healthy habits.

Kaiser Permanente – Best Application

Kaiser Permanente has a low rate but works with a number of doctors and institutions in its own medical system. While they like the results they get, you should look at hospitals and doctors in your area specifically and make sure they come highly recommended before using this insurance provider. You can be covered in eight states: California, Colorado, Virginia, Maryland, Oregon, Washington, Georgia and Hawaii, plus the District of Columbia. In that area, this insurance provider has 38 hospitals, 618 medical offices and outpatient facilities, and 17,425 doctors. In addition, you can get coverage for international trips, regardless of the state where you live. If the Kaiser Permanente limited scope is right for you, it has a useful application. Actually, it was one of only three who scored A + in our test. It works on Android and iPhone and is very easy to navigate and well designed. This map feature will show you exactly where the local doctors and hospitals are. One other unique feature about this provider is multilingual service. Kaiser Permanente has an interpreter who can translate medical information for those who do not speak English.

To see the seven other health insurance companies that they reviewed you can see directly at www.toptenreviews.com

In the United States What is Healthcare Insurance

In the first semester of 2018 the United States recorded 28.5 million people who did not have insurance. That number is far less than in 2010 with a difference of 20.1 million.

Quoted from Reuters, the Centers for Disease Control and Prevention data from the federal government stated that adults aged 18-64 years or about 7 out of 10 residents had insured health in the first semester of 2018. About 4% or 8 million people have private health insurance owned by the Health Insurance Marketplace.

“However, the distribution range is not evenly distributed when compared to insurance data of people living in the state,” Reuters quoted Saturday (11/17).

The same data shows the percentage of people who do not have health insurance declined from 18.4% in 2013 to 9.1% in the first semester / 2018.

The country that promoted Medicaid managed to record a percentage of the uninsured community of 9.1%, while the country that did not promote insurance reached 18.1%.

Medicaid is a health insurance program for low income people. Medicaid is funded in part by the government and by the state.

In the mid-term elections of 2018, Idaho, Nebraska and Utah chose to continue the expansion of Medicaid, joining 33 states that had previously done so. In Montana, voters rejected measures that will introduce new taxes to continue funding the 2016 Medicaid expansion which will expire in 2019.

The United States government under President Donald Trump temporarily freezes all types of health insurance payments under the auspices of Obamacare on Saturday (7/7). This step was carried out following a court ruling that ordered the termination of the distribution of health funds.

The Centers for Medicare and Medicaid Services, the agency that runs the Obamacare program under the legal umbrella of the Affordable Care Act (ACA), said Trump’s move would have an impact on payments worth US $ 10.4 billion. As many as 20 million Americans are covered in the national health insurance program.

This step was carried out by the Trump administration following the decision of the US District Court in New Mexico which stated that the government used a formula that was not accurate in allocating payments.

“We are disappointed with the court’s decision. As a result of litigation, billions of dollars worth of payments have been held back,” said CMS Administrator Seema Verma. He said, the CMS had asked the court to consider its decision and provide a resolution to prevent greater impact on individual and small worker insurance holders

Insurance companies also considered that US President Donald Trump had intervened in a well-functioning health system. He estimates that the Trump administration will raise this health insurance premium next year.

I Want to Buy Health Insurance for My Family

The development of insurance shows a fairly high number, public awareness of the importance of protection for health, life and their assets is one of the factors causing this. People are now smarter and understand the benefits that can be obtained from an insurance service.

It is also certainly welcomed by insurance service providers, where they try to always innovate and give birth to a variety of new insurance products. This is done to meet all customer needs and also provide many choices that can be tailored to the interests and needs of each of their service users.

The number of companies engaged in insurance services is also very much spelled out, this of course makes a fairly tight business competition, so the companies are competing to provide the best service for their service users.

Carefully Choose Insurance

Currently there are various types of insurance that you can make as an option, this of course makes you have to be really observant in selecting and choosing one of the insurance services that will be used. One of the most widely used insurance services is health insurance, where the number of users is very high compared to other types of insurance.

When you decide to use health insurance services, then surely you must understand all the policies and rules set out in the insurance policy, this right will prevent you from various kinds of losses that could arise due to inaccurate understanding of the contents of the policies issued by insurance companies. You certainly don’t want to experience this, right?

Although it looks the same, but every health insurance policy issued by an insurance company will have differences and advantages of each. This is what you should look at before making a decision, where in many cases some customers feel disadvantaged due to lack of understanding and the provisions contained in the policy.

Here are 9 strategies for choosing the right health insurance

1. Understand Needs

The main thing you need to do before choosing health insurance is to clearly understand the insurance requirements that you will use. This will really help you to be able to find and choose the most appropriate health insurance for you to use.

That way you can get the maximum benefit from using the insurance. Adjust the health insurance to your health needs and other family members, look at every service provided by the insurance company in detail.

2. Select the type of protection

In some insurance companies, you can choose certain protection services outside of the standard services they provide, this of course will be accompanied by the imposition of an additional premium fee. But with this system, you can get a complete service and best suit your needs and your family. Choose only services that are really needed, so that the amount of premiums to be paid can be lighter.

3. Do a comparison

The large number of insurance service providers, of course, makes you have many choices that can be considered. Make a comparison between one insurance company and another, this needs to be done carefully, so you can find the best health insurance service you want.

4. Adjust to the Budget

Another important thing to consider is that with the financial budget you have for a health insurance service, don’t let heavy premiums make your finances disrupted.

Insurance is a fixed expenditure that will last for a long period of time (several years), so you can be sure that this expenditure post will greatly affect your financial condition as a whole, because it needs careful consideration before you make a decision.

This can also be done by making a payment simulation, you can ask staff from the insurance company to assist you in doing this.

By doing a simulation, you can measure your ability to pay insurance premiums and ascertain what benefits you will get from the insurance because you have the opportunity to ask various information to the insurance company staff that you meet.

5. Consider the credibility of insurance companies

When going to make a decision about an insurance service provider company, then it is mandatory for you to see and consider the credibility of the company, this will help you to avoid a number of losses that could occur in the future due to unprofessional actions by the company.

Search for and collect accurate information about the performance and services of insurance companies, you can find all this easily via the internet or from friends or family who have used their services before. Be sure to choose the best company services and have a high reputation and credibility in the community.

6. Use Third Party Services

When talking about insurance policies, often you will find it difficult to understand the contents of the policy in detail, this certainly creates potential losses for you in the future. To find and make decisions about health insurance that are the most appropriate and appropriate for you to use.

There is nothing wrong with asking for help from a professional third party, in this case the so-called “broker”. An insurance broker will help you to analyze your needs and also choose health insurance services from the insurance company that is most suitable for you to use.

7. Consider Family Health Insurance

Currently there are insurance companies that provide family health insurance services, where you only need to use one insurance policy for all family members. This is very effective and more economical because the amount of premium to be paid is certainly lighter, when compared to the insurance system that applies one policy for each person.

You might consider using a health insurance service with this system, especially if you and other family members really haven’t used health insurance services from any insurance company before.

8. Understand the System Applied

Basically insurance companies apply a cashless system (using participant cards) or reimbursement in their services. These two things will be very different and should be taken into consideration for you. In the cashless system you will find convenience when you need health services at a hospital, where you only need to bring and show your membership card when registering at the hospital. You also do not need to make a number of deposits if you will get inpatient care, so the treatment can run quickly and easily.

Whereas in the reimbursement system, you must make a deposit when registering for inpatient care, and even you must pay off all medical expenses incurred in the hospital. After you get treatment, you can make a claim to the insurance by including the payment receipt, this will certainly be very inconvenient, considering you can get sick at any time and even when you do not have a number of fees to pay for treatment at the hospital.

9. Partner Hospital

Usually insurance companies already have cooperation with a number of hospitals they choose, the more the number of their partner hospitals, the easier it will be to access them. That way you will have no trouble getting the health services you need.

Make sure you choose insurance that has an extensive network and cooperation with many hospitals, especially for those of you who choose the cashless system because this insurance service is only valid in hospitals that have cooperation with the insurance company you use.

Understand and Use the Best

Basically health insurance is a product that has a variety of provisions and rules that are quite complex, so for that you must understand and understand clearly the contents of the insurance policy that you use. This will help you to avoid problems and losses in the future, so you can get the maximum benefit from using the health insurance you choose.

Terence Cardinal Cooke Health Care Center

IMAGE : www.reutherbowen.com

Special Hospital at ArchCare at Terence Cardinal Cooke Health Care Center, 1249 Fifth Avenue, New York, NY 10029 This is a special hospital for children with 54 beds TCC provides comprehensive medical and skilled nursing care for children and young adults with deep neurological disorders and other complex medical conditions. All receive care in a warm and nurturing environment that encourages them to reach their highest development potential. The extended family of caregivers in the hospital includes doctors, nurses, social workers, therapists and other professionals who shower the population attentively. The patient received developmental programming from the New York City Board of Education teachers, and creative recreation therapists and creative arts offered daily recreational activities tailored to the abilities of each resident. Parties that often celebrate birthdays, holidays, and other special events, and bedrooms are cheerfully decorated with photographs and personal items to help create an atmosphere like at home.

How Many Types of Cancer Are There

Cancer originates from the growth of abnormal cells that can appear in almost all parts of the body. However, the types of cancer cells that are formed in each cell of the body can vary. This depends on the organ or part of the body that becomes the “parent” aka the place where the first cancer cell appears.

Broadly speaking, cancer cells can be grouped into five categories based on organs or cell types that first experience abnormal growth. See the full explanation below.

Various types of cancer cells that can attack the human body

1. Carcinoma

Carcinoma is a type of cancer cell that starts in epithelial tissue. This tissue is found in the outermost parts of the organ both on the skin and internal organs. Most cancer cases of carcinoma occur in internal organs such as the lungs, liver, intestines, and kidneys. Carcinoma is a type of cancer that can spread to other body parts.

Carcinoma has the most sub-types compared to other types of cancer cells, namely:

Adenocarcinoma, which is cancer cells that appear on organ cells that produce glandular fluid or cells that can be found in almost all organs of the body. Organs with the highest risk of adenocarcinoma, namely lung, pancreas and colorectal.
Basal cell carcinoma that can occur in the deepest part of the outer skin or better known as skin cancer. These types of cancer cells rarely spread to other body parts.
Squamous cell carcinoma can appear on the skin and other internal organs and has a more serious spread ability than those found in basal cells and can spread to the lymph glands.
Ductal cell carcinoma may be invasive. Non-invasive or in-situ conditions are often categorized as a condition before cancer. This type of cancer is a cause of breast cancer that originates from the mammary gland and spreads to breast fat tissue. Breast cancer is classified as a cancer that can spread rapidly through the lymphatic system and blood flow.
Transitional cell carcinoma is a cancer cell found in transitional epithelial cells or cells that can change shape as in cells in the bladder wall.

2. Sarcoma

Sarcomas are cancer cells that appear in organs with connective tissue. Sarcomas can appear on hard connective tissue such as bone and usually originate from abnormal bone cells or osteocytes. Whereas in soft tissues, sarcomas can appear in cartilage or cartilage and muscle cells, including blood vessels.

3. Leukemia

You may have heard this term often. Leukemia is cancer cells that appear in blood-forming tissue such as the bone marrow. These cancer cells cause the body to produce white blood cells but are imperfect and immature.

As a result, the white blood cell leukocytes cannot work against infection. Leukemia also causes a disturbance in the balance of blood cells.

4. Lymphoma and myelom

Lymphoma and myelom are two types of cancer cells that appear in the organs of the immune system (immune system). One part of the immune system consists of lymphatic organs which include the lymph glands, lymph channels, and spleen organs.

Lymphoma is a type of cancer cell that can originate from any lymphatic organ and can spread throughout the body including one of the white blood cell lymphocytes. Whereas myeloma is a type of cancer cell originating from plasma cells formed in the bone marrow. Cell plasma plays a role in the production of antibodies or immunoglobulins to fight infection. In cancer myeloma plasma cell growth occurs abnormally and causes antibody work to be ineffective against infection.

5. Central nerve cancer cells

These abnormal cells can cause brain and spinal cord cancer. Basically, the central nervous system is regulated by the brain by sending electrical signals to nerve fibers. In addition, the brain is also connected to the spinal cord through nerve fibers. Brain nerve cells consist of various connective tissue between nerve cells known as glia.

Most cases of brain cancer begin with abnormal cells appearing in glia or known as glioma. Most central nervous system cancers are benign and grow very slowly. However, some types of cancer that are less frequently reported may grow quickly and are malignant.

Where Are The Cancer Centers Of America Located

Cancer Treatment Centers of America, Atlanta

Address: 600 Celebrate Life Pkwy, Newnan, GA 30265, USA
Open 24 hours
Phone:+1 678-723-1831
Appointments: cancercenter.com

Cancer Treatment Centers of America, Philadelphia

Address: 1331 E Wyoming Ave, Philadelphia, PA 19124, USA
Open 24 hours
Phone:+1 267-702-1874
Appointments: cancercenter.com

Cancer Treatment Centers of America, Phoenix

Address: 14200 Celebrate Life Way, Goodyear, AZ 85338, USA
Open 24 hours
Phone:+1 480-666-7850

Cancer Treatment Centers of America, Chicago

Departments: Midwestern Regional Medical Center – Emergency Room
Address: 2520 Elisha Ave, Zion, IL 60099, USA
Open 24 hours
Phone:+1 847-775-0030

Cancer Treatment Centers of America (CTCA) Scottsdale

Address: 9755 N 90th St, Scottsdale, AZ 85258, USA
Open ⋅ Closes 17:00
Phone:+1 480-646-4511