Category Archives: health

health

Best dental insurance for single person. Best plans for singles

Independent Dental Insurance: What’s Available for You?

An HMO vs. PPO Dental Plan

Some of the most popular, efficient dental-health plans in the United States are Blue Cross Blue Shield and other PPO’s (Preferred Provider Organizations). Healthcare plans such as Aetna are also an option, and often much more affordable. These types of plans and providers typically fall under the category of what’s known as an HMO, or Health Maintenance Organization. While the PPO on one hand is substantially more expensive on a monthly basis, and most realistically maintained through an employee benefits program.

how to get independent dental insurance

Individual and specific dental healthcare-only plans can be especially expensive, have unusually strict standards, and cost much more than a regular health-care plan. It is possible however, to obtain dental-coverage only through some employers, and this is not unheard of in today’s healthcare market. In fact, employers are much happier to just provide one specific level or type of healthcare plan in comparison to a packaged plan, as it’s both more affordable and less complicated for the employer.

Are there more affordable of free alternatives?

If you cannot or do not wish to try to obtain dental coverage through one of the above options, seeking out dental care or emergency treatment is also possible, but can be extremely costly. If you have an immediate dental need then going to the emergency room is an option, but if you don’t have medical insurance you can expect astronomical bills later on.

In some instances, hospitals and in particular emergency room treatment can be waived partially or fully, this is usually only possible if the benefits exist to offer an under or uninsured grant and scholarship offered by the hospital. Footing the bill for any emergency-room visit can be extremely costly, and it doesn’t take much to find yourself way in over your head with thousands of dollars of debt.

Alternatively, it’s ideal if possible to get into a local, free health clinic or one that specializes in working on a “sliding scale”. While the ladder may not be free, they will base their coverage-offer on your current income to debt ratio. From there they will determine an appropriate coverage plan and any necessary “co-pays”. Co-pays are essentially a necessary “appointment fee” or in some cases a cap, in which you must minimally pay a certain amount for each medical visit, treatment, or care.


If in doubt on where to get started, consider an online all-in-one medical coverage search and evaluation tool, and find pertinent details regarding plan and medical coverage options like Humana, United Health Care, or Cigna.

health

Is Obamacare free for the poor, low income, college students? Lowest cost plan

What’s OBAMACARE Worth? Is it free for anyone, for the poor, low income patients, students, unemployed? Is Obamacare really affordable?

Understanding the dynamics of ObamaCare, also known as the Patient Protection and Affordable Care Act can be a bit difficult – and even deceiving to some.

obamacare-for-poor-low-income

While yes, it is required by most who make over a certain salary annually – unless otherwise already insured – it is designed with the general public’s best interest in mind.

Defining who ObamaCare is targeted at, or who it benefits the most can be a bit of a complex task. Whether for the poor, unemployed, or college students, the requirements, benefits, and changes annually to the Affordable Health Care act are great and many.

It should firstly be understood that the ObamaCare plan was not created to service people with an alternative to healthcare insurance – although it does have minimum coverage options and benefits.

In fact, what ObamaCare really does if not anything is make healthcare coverage by major healthcare carriers, and government ran ones such as Medicaid, more affordable to those living at or under the poverty line, as well as some whom might be considered as ‘middle class’.

Ironically enough, the ObamaCare plans have gone above and beyond to also force most employers to offer (affordable) healthcare insurance, yet it also provides tax kick-backs to compliant employers and those that voluntarily enroll and provide or offer such services to their employees.

ObamaCare generally speaking, does indeed most benefit individuals of low-income status, such as college students for example – and perhaps in some cases carry benefits for the homeless. However, at best, ObamaCare might be seen to only reinforce some cheaper plans already available from the government for those that can’t afford it, though ultimately is mostly directed at those making some sort of income – which for some, might in of itself seem quite contradictory in nature.

In 2016, for example, up to 1 in 6 Americans had taken advantage of the Affordable Healthcare Act, and found policy plans for as little as $100 per month or less.

This however, understandably, is not a solution for those that have no income at all, or have a higher debt to salary ratio, or cost of living to salary.

Essentially, the Affordable Healthcare act can be especially beneficial for those that require out-of-coverage ER visits, and reinforces the routine of those whom are insured by any caliber of health insurance to remain within the realms of insurance-recognized health providers or institutions.

So again, the Affordable Healthcare Plan implemented by president Barrack Obama seamlessly rears it’s obvious purpose of reinforcing individuals properly registering for, and utilizing (the benefits) of their healthcare plan. Lastly, “ObamaCare” is especially unique and considerably a ‘milestone’ in American health insurance coverage history, considering how greatly it acts to protect, prevent, and penalize insurance companies from many previously discriminatory requirements or acts against the insured.