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Health Care Reform Breakdown

Tweet via: Associated Press Congressional Democrats have released a final version of President Barack Obama’s health care overhaul bill in advance of a House vote planned for Sunday. Some features of the legislation, which makes changes to the bill the Senate passed on Christmas Eve:

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Are social security numbers for dependents required for health insurance coverage in Michigan?

TweetThe simplest answer to this question is NO.  According to Privacy Rights Clearinghouse you need to know the following: Insurance companies. MediCal and Medicare are government health plans and can require a Social Security number. Most insurers providing individual health insurance policies cannot require your Social Security

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What is a health insurance co-payment?

TweetA co-payment is a fixed-dollar amount that you are responsible for paying for a particular medical service. For example, many plans have $35 co-payments for doctor’s visits. This means it only costs you $35 to see a doctor. Most individual Michigan health insurance plans offer

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MIChild Health Insurance Michigan

TweetMIChild is a health insurance program in Michigan for uninsured children.  MIChild services are provided by many of the HMOs and various other healh care plans throughout the state of Michigan. Pre-existing conditions are covered under the MIChild program.  It is important to note that

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Why It’s Up to You

Tweet Health Insurance can be one of the most frustrating things to shop for.  Trying to understand deductibles, co-pays, co-insurance.  As if you didn’t have enough things to do in your day.  Now you have to try and navigate all this insurance jargon. With the

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Vanillasoft

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Why are Diabetics Skipping Health Care

TweetAccording to recent article by the Detroit Free Press, it seems that more and more diabetics are skipping healthcare due to the recession.  They are going without doctor visits, necessary medications, and blood sugar testing.  A dangerous proposition indeed. Doctors are reporting a drop off

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What’s an out-of-pocket expense?

TweetAn out-of-pocket expense is any cost you have to pay yourself when receiving medical care. This includes your deductible, co-payments, and coinsurance. Most Michigan health insurance policies have an annual maximum out-of-pocket expense. Once you’ve reached your maximum out of pocket in a calendar year,

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What is a health insurance deductible?

TweetA deductible is an amount of medical expenses you are responsible for paying before your Michigan insurance starts covering you. A common deductible is $500 this means you would be responsible for paying the first $500 in medical bills before receiving coverage. Having a higher

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Cost of Lap Band Michigan

Tweet Lap Band Surgery  in Michigan for patients not covered by health insurance typically costs between $12,000 and $25,000.  The biggest factor affecting cost is your region and your surgeon. If you are in a large metropolitan area, such as Detroit, costs trend towards the higher end.

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