Basically there are two types of disability insurance that a self-employed individual would consider in his or her overall health care package.  The first type of disability is short-term disability and the second is long-term disability. The waiting period to get on either is different.  With short-term disability a self-employed individual would be able to […]

Health insurance costs are on the rise while growth and employment is at an all time low.  There is no secret that the US economy, is suffering during these recession times.  The same holds true for other global economies as well. However, most western economies have a universal system for medical care, which is funded […]

So you finally have your dream come true – a self employed business up and running, just as you have always believed. Your entrepreneurial spirit is soaring high and your friends and family are all there for the send off. Yet, with all that you have accomplished, you still have not added medical insurance as […]

Health insurance companies in general offer a wide range of coverage for residents of New York, through every walk of life. Many specialize and give very detailed descriptions of what the individual is up against and what to expect as an end result. The state insurance programs, which can be found at www.nyhealthinsurer.com also partner […]

Public sector Medicaid receives additional funding for low-income uninsured women. These reproductive services are considered special status by the federal government; therefore, 71% of all publicly financed family planning services cover contraceptives, gynecology testing, condoms, and STD testing, plus one-half of all states have extended financing for family planning services only under the family plan […]

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 […]

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 […]