Archive for June, 2012

Bloomberg’s Ban on Soda: One lump or two?

Author: Kelley Filice Jensen

One lump or two?  That is what our Grandma’s said when they poured tea and coffee.  The days of one or two lumps of sugar are long gone.  Now it is 20 or 30 lumps, more like one CUP or two.  And we want it, we need it, we deserve it.  It is our constitutional right to drink a liter of soda.  It is not the government’s role to tell us what to put into our bodies, they should stay out of it.  Foot stomp.  Hold breath.  Turn blue.  Petulant child.  Petulant OBESE child whose foot stomp has caused the floor to quake.

Health Insurance 101 – Video Tutorials, Brought To You By Humana

Author: Kelley Filice Jensen

Sponsored by Humana, these short videos provide concise answers to common health insurance questions received by health insurance providers, health insurance agents and health insurance brokers.  Learn more, make sure you can answer these questions about your health insurance needs.

Can You Change Your Health Plan Anytime You Want? – Video Link

How Can You Get The Most Out Of Your Health Insurance? - Video Link

How Did Healthcare Come About in the United States? - Video Link

How Do Deductibles and Copays Work? - Video Link

HEALTH INSURANCE 101 – Common Insurance Terms

Author: Kelley Filice Jensen

Most things have a language all their own, and when you know the language, everything becomes shockingly less confusing.  Here is a partial list of common terms used when discussing individual health insurance plans and group health insurance plans.  Learn more by watching health insurance informational videos sponsored by Humana.    And, make sure you can answer these questions about your health insurance needs.

CARRIER – An insurance company that provides a health plan.  Examples would be Blue Cross, Aetna, Health Net or several others.  A carrier could also be a Health Maintenance Organization (or HMO) which may not technically be an insurance company, but HMO’s are also carriers that provide health plans.  See More Carriers, and get quotes now.

No Health Insurance is NO Alternative

Author: Kelley Filice Jensen

Health insurance is very expensive, and some people rationalize going without it because they figure that they invest their resources into being healthy, and they never need to go to the doctor.  Their favorite alternative and complementary medicines such as chiropractic, acupuncture, and massage are generally not covered by insurance plans anyway, and even if they are, the chiropractor probably does not accept insurance.  But, not having health insurance is NOT an alternative for those alterative medicines !  Why?  Because, if you are involved in a car accident, and you are laying on the side of the road, scared that your injuries are serious, do you want to be rushed to a chiropractor or to an emergency room?

COBRA sticker shock, why is it so expensive?

Author: Kelley Filice Jensen

Being laid off or fired from a job is horrible.   A million worries go through your mind at once including whether you will have enough money to survive until you get a new job and what to do about the health insurance you received through your employer’s health plan.  It is a relief to hear that you can continue on your former employer’s health plan for 18 months, until you hear that you will have to pay the premiums previously paid by your former employer.  How can it be so expensive?  This is the dilemma of COBRA Health Insurance Coverage.

Temporary Medical Insurance Plans

Author: Kelley Filice Jensen

Temporary Medical Insurance might sound like a good idea if you are in between jobs, have a waiting period before benefits eligibility at your new job, were recently laid off….but, what is the difference and savings between an individual medical insurance plan and a temporary medical insurance plan, and are there worthwhile savings on with a temporary plan?

What is temporary medical insurance and how is it different than regular individual insurance?

Temporary medical insurance plans expire after a period of time, and regular individual medical insurance plans do not.

Child Only Medical Insurance Plans

Author: Kelley Filice Jensen

The concept of buying your child his own medical insurance seems odd and unnecessary, but often times this odd concept can save your family a lot of money, and provide your child with excellent health insurance.  Why?  If your health insurance is through your employer and your employer pays 100% of your health insurance, but pays 0% of your family and dependents, then you pay the cost of including your child on the company’s group health insurance plan.  The rates charged to groups are much higher and can leave you paying more than double an individual policy.

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