Archive for the ‘pre-existing conditions’ Category

Options If Your Health Insurance Application Is Denied

Posted on: February 5th, 2013 by SamTabes No Comments

One of the main aspects of the health insurance industry has been the fact that they avoid giving coverage to the riskiest applicants, typically ones with pre-existing conditions.  While this makes business sense, it’s created a nation where millions of Americans struggle to find health insurance which can prevent them from falling into financial ruin. […]

Presidential Debate Sparks Intense Health Care Reform Discussion

Posted on: October 4th, 2012 by SamTabes No Comments

Last night, Governor Mitt Romney and President Barack Obama had their first round of debates before the Presidential election in November.  The overall feel was calm, but the topics were heated.  One area of discussion that has a lot of people confused is how each candidate is approaching America’s health care dilemma and how health […]

Health Insurance Refund Coming to Millions of Americans

Posted on: July 31st, 2012 by SamTabes No Comments

POST SCRIPT UPDATE 9/25/2012 – According to Sarah Lueck’s article on, about 13 million people did receive over $1 billion in rebates on their health insurance premiums because of the provision discussed below.  This has been known as the 80/20 rule and also the medical-loss ratio rule.  There is some question about the stability […]

Alaska Health Insurance: Large Spending for High Risk Pool

Posted on: January 19th, 2012 by ymedina No Comments

Alaska is looking to spend a surprising $200k per year for each high risk pool member based on Kaiser Health News article by Phil Galewitz.  Alaska is one of the most expensive places to live in the United States and these increased costs apply to health care as well.  High risk pools are being set […]

The Pre-Existing Condition Insurance Plan

Posted on: September 9th, 2011 by ymedina No Comments

More and more Americans are facing chronic health conditions which is making it more difficult for them to obtain affordable health insurance.  Health care reform has aimed to fix this problem by implementing the Pre-existing Condition Insurance Plan (PCIP) according to the article “Uninsurable: A Notion of the Past?” by Omar Sommereyns. This plan targets […]

Health Insurance For Those With Pre-Existing Conditions

Posted on: June 21st, 2011 by ymedina No Comments

The government is continuing their efforts to help Americans with pre-existing conditions find affordable health insurance coverage.  There are about 25 million uninsured Americans currently with pre-existing conditions and often the reason behind this is costs are just too high for them. In the coming weeks, a nationally funded health care program will drop premiums […]

Individual Health Insurance For Everyone

Posted on: April 12th, 2011 by ymedina No Comments

Many Americans have been denied individual health insurance coverage because of pre-existing conditions and healthcare reform is working to eliminate this inequity.  According to the article “Federal Insurance Program Covers Pre-Existing Conditions” by Steve Clark on The Brownsville Herald, the Centers For Medicare & Medicaid Services (CMMS) is trying to boost enrollment in a program […]

Anniversary of Healthcare Reform

Posted on: March 24th, 2011 by ymedina No Comments

Yesterday marked the one year anniversary of Obama’s historic healthcare reform bill which had everyone talking.  Despite the bill having some positive effects throughout the nation already, Congress is still disputing the benefits of the bill and many states are downright opposing parts of it.  Acceptance of the bill still has a long way to […]

Student Health Care Reform Update

Posted on: March 7th, 2011 by ymedina No Comments

The Department of Health and Human Services has published their proposed rules on the status of student health insurance coverage under the new bill, the Affordable Care Act, and with it comes some new updates.  According to the article “Health Care Reform Update: Proposed Rule on Student Health Coverage” on, the proposed rules have […]

New Regulation for Student Health Insurance

Posted on: February 14th, 2011 by ymedina No Comments

Some new regulation has been set in motion to ensure students have student health insurance and they are protected from being denied coverage according to the article “New Rule Regulating Student Health Insurance Coverage Ensure Rights” by Dana Pavelsky on The Department of Health and Human Services advised that the Affordable Care Act will […]