Most health insurance plans don’t cover autism. That may be about to change based on a bill being considered in Missouri.
Autism is far more common than we realize, but what many people don’t realize is that most health insurance plans do not provide coverage for this neurological condition. Generally speaking, since each autistic individual is different, autism causes them to have mild to severe problems communicating with others and also struggle with social interactions. In many cases, the most opportune time for intervention is in early childhood and working with a variety of programs that will help them to be able to live a near normal life.
As you might expect, treatment for this disorder runs to the tens of thousands of dollars each year and most parents don’t have access to that kind of money. Sadly, most health insurance plans won’t cover it either. However, there is encouraging news on the horizon, in the form of a bill in the works in Missouri that would require many health insurance carriers to cover autism.
The legislation mandates health insurance plans to cover up to $45,000 annually for applied behavioral analysis therapy (from a licensed provider) for kids under 18. To avoid the possibility of fraud from people posing as therapists, or less than honest therapists wanting to cash in on the insurance wagon, the state is planning on creating a new licensing process. If the bill is signed by the governor, the new rules would roll out on the 1st of January, 2011.
One of the other benefits of this bill is that it includes an annual adjustment of the cap that is tagged to inflation. While it sounds good on first read, those with autistic children do need to know there are some potential catches. Those catches would be that the law would only apply to group health insurance plans regulated by the state; that would mean plans bought through small to mid-sized companies.
For larger corporations, ones who self-insure, this bill would not apply, as they are federally regulated. For any small business that has fewer than 50 workers, an exemption may apply if they prove that the mandate caused their rates to rise over 2.5% the previous year. In a nutshell, there will be various options that include autism coverage for treatment and for diagnosis, but this will not be attached to all of the plans sold in the state.
This is great news that may have many other applications nationwide if the bill proves to be a success and keeps the overall health care budget down, thanks to early intervention allowing those with autism to live a fairly normal life.
To learn more and get a health insurance quote, visit https://www.benepath.com
Don’t know where to start hunting for affordable health insurance quotes? Get online, and if you don’t know how to use a computer, get a friend who does to give you a hand. This is one of the quickest and easiest ways to get instant information about health insurance, and we all know deep within our heart of hearts that we “do” need health insurance or we’d go broke in about two seconds flat if we needed medical help.
Make a list of questions you want answers to before you start looking for quotes. When you find a site that you resonate with, then spend some time on it and look around. Ask for quotes, examine what you get sent later and then make it a point to call the agent who sent the health insurance quotes. Although many people don’t like talking to an insurance agent, it’s often the only way you’re going to get answers to some of your questions about “your” health situation.
To learn more and get a health insurance quote, visit https://www.benepath.com
With new diseases on the horizon, we need affordable health insurance. Getting affordable health insurance quotes is a good place to start.
Getting sick these days without the benefit of having a health insurance plan in place is pretty risky; risky because if you need medical care, the cost of that care may wipe out your bank account. That’s honestly not too farfetched either. The cost for medical care for things like broken bones would almost put you in the poor house, unless you have a very high income, something that a lot of Americans do not have.
Many people today are lucky to have enough money to put food on the table and keep a roof over their heads. This isn’t to say that there aren’t affordable health insurance plans out there that you can take advantage of by doing a bit of homework, because the truth is, there is always something that will suit your budget no matter what it is.
Get started looking for affordable health insurance by doing some online surfing. It’s easy, it’s convenient and you can do it in your jammies. You can’t beat that, plus it gives you the chance to take notes and make a list of questions, because at some point, you will need to ask a real live person those questions to get a better sense of what they are offering in terms of affordable health insurance.
While it’s hard to really know if the company website you are clicking on is reputable, there are a few things you can do to find out. If they have been in business for a long time, that means they are stable and know their products and are likely credible. Ask around and find out if any of your relatives or friends have insurance with them and how they like the service, etc.
Step two is to ask for affordable health insurance quotes. Try and have a bit of play in your budget if there are things you really need to have in a health insurance policy. Spell everything out and be honest about your pre-existing conditions, as this will give them an accurate picture of what you will need and also help them provide you with health insurance quotes. By the way, remember that if you ask more than one insurance company to give you quotes, that you need to give each one of them the same information. If you don’t do that, your quotes won’t be accurate.
Line up anywhere from four to six health insurance quotes, or more if you can stand the confusion of trying to compare that many quotes at once. Honestly? Ideally, working with four quotes is usually the best tactic and you can start by comparing prices “before” you sign up for anything. Find out why the health insurance quotes you got were different prices: for instance, did one have coverage for asthma and the other did not? You get the idea; you’re comparing actual coverage offered rather than just determining who you want to go with based on pricing alone.
Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit https://www.benepath.com.
Some say that fit is best. Others say if you are fat you can still be fit, and some people have even proven that. What’s the truth? The truth is that each person is unique and what works for them won’t work for another individual. If a fat person is fit, then that worked for them and there you have it. If a fit person has terrible lifestyle choices when it comes to eating, are they really fit? Does it really matter a whole lot in the final analysis?
Frankly, any debate about health care issues tends to boil down to one side saying they are right and the other side saying no, they are right. Truth is that both of them are right – right for their particular points of view because that is what worked for them and thus is what’s right for them. If you want to just stay out of the hot debate over right versus wrong, then live well, eat healthy, be happy, reduce stress and do your best. That’s all you can do.
To learn more and get a health insurance quote, visit https://www.benepath.com
Any time you have ever been involved in a debate over the current health care system since the advent of health care reform, you come away feeling more confused and frustrated than ever. While everyone seems to have ideas, no one knows how to go about making any difference in the long-term. Sure there are changes in the wind, but you wonder if they will actually “do” what they are intended to do. Debates are great, but rarely are there answers on either side.
Well, now that health care reform is officially “here,” you have to wonder what is coming next. Will mandated health insurance fly? Will insurance companies do their part and not charge people and arm and a leg for health insurance? Will everyone really have to have health insurance by 2014 and if so, how is that going to be enforced? So many questions, and not enough answers. What do you think?
To learn more and get a health insurance quote, visit https://www.benepath.com
If the price of health insurance quotes will actually go up as some industry analysts suggest may be the case, then how is that going to help the millions of Americans who don’t have health insurance plans now? The answer is it won’t help them, because if they can’t afford a health insurance plan “now” then they won’t be able to afford one later either.
Furthermore, since health care reform was intended to level the playing field for everyone to be able to get health insurance, if insurance companies jack the prices up to recoup their projected losses, how does that affect the intention and actuality of health care reform? It seems that insurance companies don’t want to play their part in keeping the nation healthier and reducing medical expenses, but are definitely interested in making “more” money on the backs of those who need health insurance.
Ask yourself this question as well: “If mandated insurance does become a reality, and people are forced to buy health insurance, where is the money going to come from to ‘pay’ for the health insurance?”
To learn more and get a health insurance quote, visit https://www.benepath.com
There is nothing wrong with buying a health insurance plan recommended by an agent. It might be just the thing you need. The problem is that if you do accept a recommendation at face value and don’t do some of your own checking, you might find that you have a policy that doesn’t really suit you and it costs more than you wanted to pay. This isn’t to say that the agent did a poor job; it just means that they don’t totally know “you,” but, you do know what you want. Knowing what you want and need is one of the smartest moves possible when it comes to buying health insurance plans. After all, it’s your body, your health and your money, so you will want something that fits your budget, addresses your health requirements and keeps the body running.
Ultimately, you need to delve deeper into what plans are recommended to you. They may suit you and they may not, but if you take the time to find that out, then you won’t be wondering what you may have missed out on that might have been less expensive and covered more.
To learn more and get a health insurance quote, visit https://www.benepath.com
It’s nice to know instantly if you qualify for health insurance. Instant health insurance quotes also provide approximate premium prices.
It’s becoming a world where it is ultimately crucial that you and your family have health insurance; affordable health insurance. If you want that kind of information quickly, after all we are in the age of instant this and that, then accessing instant health insurance quotes will let you know within seconds if you qualify for a health insurance plan and what the costs may be. Leave the work of quoting to the health insurance website, because it means more time for you to do what you really want to do instead of searching for affordable health insurance.
There are a whole lot of people out there that are working harder and longer than ever before and making less to show for it. What they are making, they stash away for their children’s future. They don’t think they can afford any type of health insurance plans. More to the point is this question: “Can they afford ‘not’ to have a health insurance plan?” The answer is: “No, they can’t afford ‘not’ to have health insurance.” Not in today’s world of high cost medical care for everything from soup to nuts. Even a broken leg may run to $20,000; money most people don’t have on hand.
The bottom line here is that having good health and keeping it, is critical for you and your family. If you don’t have your health, chances are you will run the risk of losing what savings you do have to pay medical bills that could have been covered by your health insurance plan. Health is wealth and “means” wealth if you can keep working and stay healthy – with the assistance of a health insurance plan.
In other words, if you don’t want to be in the situation where you have to declare medical bankruptcy, then you need to be checking out health insurance quotes. Before you get started, know what kind of health insurance you want for you and your family.
Once you have a good idea of what that is, hit the Internet and do some online searching for an insurance website that provides instant health insurance quotes. Instant health insurance quotes are a bit like playing Bingo – under the ‘A’ for affordable health insurance, under the ‘H’ for health insurance plans and health insurance quotes.
The whole idea in sourcing instant health insurance quotes is to let you know right away what is out there and what you qualify for in terms of health insurance plans. Knowledge is power; make it work to your advantage.
Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit https://www.benepath.com.
Since health care reform “is here” and more changes will be coming, one of the biggest questions people are asking relates to the price for their health insurance plans. That seems to be up in the air, as one side of the great debate says the prices will be lower because the competition will be stiff. If insurance companies want more business, they will have to price their policies cheaply to attract customers.
On the other side of the debate are those that say the prices will go up because the insurance companies will want to pass on their “losses” to the consumer. What does that mean? It means with health insurance companies taking a hit in the medical loss ratio of 80%, that health insurance companies may raise their prices to hedge their bottom line.
The market is still in flux right now and no one is sure what will happen by the end of the year, but one thing is for sure, it’s going to be interesting to see how the pricing structure shakes out.
To learn more and get a health insurance quote, visit https://www.benepath.com
On one hand, some health care industry analysts say that a higher deductible is a good idea because it keeps your premium costs lower. That’s true, higher deductibles do keep your premiums lower. But, what if you happen to always be sick because you have a chronic condition that needs medical care frequently? Well, if you happen to always need medical care for your condition, you might just prefer to pay a higher monthly premium and know you are covered for all contingencies.
It’s a great debate and there are good points to be made on each side. The thing most of the industry analysts seem to be forgetting is that what you choose is a personal choice and that choice will reflect what works for “you.” So, while it’s nice to have other opinions, the bottom line is you will choose what you need to choose to have it work for you.
To learn more and get a health insurance quote, visit https://www.benepath.com
