General Topics – Health Insurance « Health Insurance Advisory

Welcome to the New Healthcare Law Center and State News

new healthcare reform lawThe new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), represents comprehensive healthcare reform legislation signed into law on March 23, 2010. It contains numerous provisions designed to protect consumers and promote low cost medical insurance, including many new taxes to pay for the cost.

In this section of the site, you can also obtain the following information specific to your state: available medical insurance options, efforts to regulate medical insurance premiums, healthcare, the individual medical insurance marketplace and the new healthcare law.

Our objective is to help Americans make sense of the new healthcare law by explaining key provisions in plain English and assisting individuals, families and the self-employed in using this information to find and secure affordable medical insurance.

Types of Medical Insurance

Health Maintenance Organization (HMO) HMOs offer a wide range of comprehensive healthcare services through an exclusive panel of providers. Members of an HMO are required to select a Primary Care Physician (PCP). The PCP renders most healthcare services and approves visits to other physicians/ specialists if he/ she believe it is medically necessary. Medical care obtained from healthcare providers outside the HMO is generally not covered, except in emergency, life-threatening situations. Since there are fewer healthcare providers to choose from [...]

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Affordable Temporary Health Insurance

Short term medical insurance is deisgned for healthy individuals and familes less than age 65 who need a temporary, affordable medical solution due to the transition from one life event to another, such as change in employment or school graduation. Being uninsured for only a short period of time is very risky becasue of the high cost of healthcare. Without medical insurance, you could also find yourself with limited access to healthcare providers. With an affordable temporary health insurance plan, you do not [...]

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Pre existing condition denials increasing under health insurance

According to BestWire (October 12, 2010), a committee of the U.S. House of Representatives released the results of an investigation into the handling of pre-existing conditions by the country’s largest medical insurers — finding the major companies denied major medical insurance coverage for hundreds of thousands of people in the individual market in the past three years. That denial rate has increased rapidly, according to data from the Energy and Commerce Committee’s examination. The four largest U.S. health insurers — [...]

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