Employers are increasingly promoting wellness programs as a means for saving money that can be lost when employees are sick. more

As drug prices have gone through the roof, and drugs are prescribed in greater numbers, older individuals for whom Medicare was designed have found it increasingly difficult to pay for their prescriptions. more

In general, "managed care" can mean any organizational processes that improve health care quality or reduce health care cost or any organization that uses such processes. more

Health insurance - considered by many as a Constitutional right - becomes a little tricky for those with pre-existing conditions. What are your legal rights? more

"Group Health Insurance" is health insurance that covers all eligible people in a group regardless of their age or physical condition. more

Health Reimbursement Arrangements (HRAs) have been developed so that larger employers (more than 50 employees) who are not allowed to offer a true MSA can offer their employees something like an MSA. more

Although there are some federal protections regarding substance abuse and health insurance coverage, each of the 50 states also has its own laws and guidelines related to this issue. more

Most long term care insurance pays for some or all of the long term care you may need, but does not guarantee that you will be able to find a long term care facility with an opening near where you live. more

An MSA is a federally-qualified, tax-exempt individual health acount that an individual uses to pay their health care expenses. more

"Adverse Selection" happens when unusually high-cost people select an insurance plan. Informally, people often use the term adverse selection when people with expected costs that are higher than a population average sign up for a policy. more

Self-employed people are at double risk for the effects of sickness and injury. Not only are they at risk for the direct costs of care for possible sickness or injury, but even temporary disability can cause lasting harm to a small business. more

Medicare is a U.S. federal health insurance program for Americans when they become eligible for Social Security benefits (currently age 65) and for certain disabled persons and those with end-stage renal disease. more

In these days of high-cost healthcare, most people cannot afford to be without health insurance. However, if you lose your job or your working hours are reduced, you are well aware that your coverage could be at risk. This article will explore the different alternatives to COBRA. more

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The issue of whether health insurance premiums should be based on community rating or experience rating is a complex one involving social concerns, adverse selection, and privacy issues. What other variables should we consider? more

Disability Insurance provides income when you can not work for an extended period of time due to an injury or illness. Make sure that your disability insurance pays for disability from either injury or from illness, not just one or the other. more

Many people are concerned about the number of people who lack health insurance in the U.S. There have been proposals for "Universal Health Insurance" to ensure that everyone has health insurance -- either public or private insurance, through a group or as an individual. more

Much to the disappointment and disdain of many U.S. citizens, health insurance is not an inalienable right. Find out what are you legal rights to health coverage. more

More than 45 million Americans go without health care. At 14% of the gross domestic product, national health care spending is at an all time high. more

Find out what are your coverage rights when changing jobs. more

Guaranteed issue insurance is issued to a consumer, regardless of the consumer's current health. It may be offered by companies with specialized high-risk offerings, or it may be mandated by state law. more

Insurance companies pay for most of the bill, but exactly how much they pay depends on the contract, or policy, you sign with them. more

In recent years, critics have said that some HMOs now focus more on cutting costs than improving health. Some HMOs have responded to this criticism by lifting some cost constraints and focusing more on the original idea of promoting health. more

Prescription drug coverage is offered under most health insurance plans, either as part of the basic coverage or as a specialty plan. Recently, there has also been increased media attention regarding the prescription drug policy that came into effect under Medicare. What were the changes and how does it affect you? more

With every political election, health issues such as rising drug costs, long-term care for aging baby-boomers, Medicare reform, and the call for national health care coverage continue to receive greater press coverage. more

A PPO has a provider network like an HMO, but differs from a traditional HMO because it provides some coverage for services by providers outside the network. more