During the reproductive years, reproductive women between the age of fifteen and forty-four are a great drain on the health insurance industry.  During these years, reproductive women require constant screening and medical services in the form of breast screening, pap smears, abortions, preventative contraception, and testing for diseases such as HPV, Chlamydia, and HIV/Aids. During […]

The state of New York is researching the possibilities of changing and rearranging the insurance procedures in relation to better, more affordable coverage for all residents in the New York area.  Now this new language is subject to the approval and passage through the State Legislature before it becomes final and is passed along to […]

There are many insurance companies in New York offering a wide range of services to families and individuals. Personal policies vary widely though because of strong competition. Once only offered as reactive, most have made the shift over the years to accommodating proactive care. Creating a stable base for the future. Creating a state wide […]

The needs of the mass population in New York as a whole run far and wide, mainly because of geographical location.  It encompasses a rather colourful populous, rich in history, with a variety of people from every imaginable walk of life. The varied insurance policies and the coverage must and does take this all into […]

The State of health care affordability in the USA is dismal at best.  Nearly 50 million American have no insurance or are underinsured at the present time. Though this bleak situation affects men and woman alike, the brunt of the problem is that more woman find themselves uninsured or underinsured.  Though on the whole, both genders share […]

A PPO, or more commonly referred to as a Preferred Provider Organization, is similar to an HMO or Health Maintenance Organization in many aspects. The personal freedom to choose and visit with the physician of your choice. The physician must be enlisted within the program guidelines. Stay within your provider network and your co-insurance will […]

As a self-employed small businessperson you may have both full time and part time workers, or perhaps your business is so small you may only have part time workers.  As a concerned individual with a sense of fair play you know about the health insurance crises in the USA.  The numbers of insured individuals in […]

Many people today already involved in the business world or young people just making their entrance, it can and usually is an experience like no other. To complicate matters, there are many who enter the working world as self-employed rather than to be employed by a large corporation. The choices are limitless, but the realities […]

A study in the American Journal of Medicine recently reported that approximately two-thirds of bankruptcies in the United States were related to medical problems.  What they found surprising in this article was the fact that the majority of those who filed for bankruptcy had health insurance.  In fact, they found that almost 80% were insured, including some […]

Obama’s Reform and how it will Affect Individuals and Health Insurers Alike. The state of healthcare in America is in dire straits, 47 million Americans are without any healthcare at this time and many more are under-insured.  Unlike any other industrial country in the Western hemisphere, the United States is the only country without universal […]