Catastrophic health insurance policies are quite expensive but it is not that the premiums are so high; in fact the premiums are rather low. It is the deductible for catastrophic health coverage that is so high. With the economy in recession, many people are finding it rather difficult to keep health coverage. One way to […]

In this economy it is very difficult for many young people, and senior citizens who have small businesses to pay for their senior health insurance plans. Personal health insurance and self-employed health insurance can be very costly. The economy may not get better for a long time to come. If you look back in history, […]

Whether you are retired, working in public work, or self-employed, it’s likely that you hope never to have an illness that will take all of your savings. A devastating illness, such as mesothelioma does change one’s life. You can live a long time with the disease, but it gets worse with time. The sad thing […]

Being self-employed is often a very rewarding job. You can work for yourself even if you have some health care issues, such heart, and end stage renal disease. Many people who are dependent upon home dialysis can still lead fairly active lives. They don’t have to worry about how they will pay for their treatments, […]

Self Employed Health Insurance Carriers The role of self-employed health insurance carriers is to collect premiums each month in return for the guarantee that the benefits stipulated in the health insurance plan will be paid out on time. Each health insurance carrier must remain solvent, which means they must be able to collect enough premiums […]

About 470 health insurance carriers are members of a corporation called the MIB group, Inc. The MIB (Medical Information Bureau) is a database that has been in existence for over a century. Founded in 1902, the MIB collects information on everyone that has health insurance (with insuring members of MIB) in the United States and […]

Health insurance companies cannot discriminate against you for your medical conditions. They cannot discriminate against you for racial, gender, or for reasons of your age. Most states don’t allow insurance providers to cancel your health insurance for the self-employed for any medical conditions that you may develop after your policy is in force. For example, […]

HMOs (Health Maintenance Organizations) are usually less expensive than other types of health insurance plans. There are benefits and disadvantages to most everything in life; this indeed holds true with health insurance for self-employed people who have HMOs. As already stated, HMOs are less expensive, which is why most people select an HMO in the […]

It doesn’t matter how a baby arrives. The baby can be adopted, or naturally born to the mother. The child can be born in the marriage union, or out of wedlock. Health insurance companies do not discriminate against babies, no matter how they come into the world. Single fathers who want to add their children […]

Health insurance is good to have when you need it; however, when you file a claim you could be turned down on future policies. Just like with any other type of insurance, the companies want to insure people who are not a definite risk to them having to pay out any money on your behalf. […]