Future parents can enroll in or change previous health coverage

Special Enrollment Plans provide opportunities to the new parents to get coverage for their new born baby or an adopted baby through some simple and effective steps.

A new member in every family brings happiness and celebration mood among all, each and every family member becomes ready to receive the new member with lots of planning. It does not matter the new member is born or adopted both are same for their parents and being parents is the happiest feeling in the world. Everyone becomes very organized and start to plan for the new member to give him/her every kind of benefit and happiness, so starting from health coverage is the best thing to gift a new born or adopted member. Health coverage will be a safeguard for him or her that will take care of him/her till the time needed and now the 2018 Open Enrollment Period offers a Special Enrollment Period for the parents those have a baby or adopted child within the past 60days to enroll.

Special Enrollment Period or SEP: It is a time after the yearly Open Enrollment Period when people can sign up for health insurance, where they will qualify for a Special Enrollment Period if they have certain life events like losing health coverage, shifting some other places, getting married, having a baby or adopting a child. After qualifying for an SEP, one usually has up to 60 days pursuing the event to register in a plan but if anyone misses that window he/she have to wait till the next Open Enrollment Period to apply.

After applying for Marketplace coverage and qualifying for a Special Enrollment Period the enroller have to submit documents to confirm the events to make him eligible. The things will come this way described here:

• ·         Enroller will learn if he/she has to submit documents after submitting application; details and instructions will come on the eligibility results screen and he/she can download or receive in the mail.
• ·         Choosing a plan at first is the right decision before submitting the documents and there will be 30 days time to send the documents.
• ·         Coverage start date is depended on the picking time of a plan though the enroller can’t be able to use the coverage until the eligibility is confirmed and the person pays his/her first premium payment.
• ·         The eligibility results don’t tell to provide documents as it is not needed.

After getting qualified for the 2018 marketplace Open Enrollment Plan, people can preview the plans and prices as per the income; here are the changes talked about which can be qualified for the policyholder in a Special Enrollment Period.

Here are steps to apply with a Special Enrollment Period:

• ·         The new members at first need to create an account in the relevant Health Insurance website through filling out an application.
• ·         The existed persons should log in first for updating the previous application with further changes.
• ·         After enrolling in or changing plans with a Special Enrollment Period the new health coverage will start the day the baby is born or adopted even enrollment is done in the plan up to 60 days afterward.

There are many more things on Special Enrollment Periods waiting for new parents, so after having baby or adopting a child visit your existed Health Insurance Provider and connect to the health insurance company’s website to enroll yourself in the Special Enrollment Period.

Source: www.healthcare.gov

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Published By
Subhra Bera
www.basic-healthinsurance.com
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Ensure “Health is for All” from this World’s Health Day

The Indian government has taken major steps in providing Universal Health Coverage for everyone and also to make it a better and affordable health care in the healthcare industry.

World’s Health Day is celebrated every year on 7^th April across all over the country to spread the need of being healthy and use some essential health services. As per ‘Tracking Universal Health Coverage: 2017 Global Monitoring Report’ published by The World Bank and the WHO that around half of the world’s population cannot get needful health services and a lot of people each year are being pushed into poverty during the rising hospital expenses. Practically, the people from the lower-middle cast are facing huge challenges while paying off the hospital bill and cannot get enough treatment due to their low income.

In view of this cost increasing scenario, it becomes important for everyone to get a substitute arrangement that can support then like a safeguard against huge expenses. The best way to prevent these difficulties is to get right health coverage as it will give surety for quality health services and pay the medical expenses of entire family. Here are some health coverages discussed below which are essential for every family:

Universal Health Coverage: WHO is focusing on the matter of individual health coverage for everyone so they are providing essential quality health services for everyone and everywhere. They also are focusing on the UHC from this World Health Day on 7^th April for ensuring everybody’s access to the health care without facing financial problem.

Introductory of Government: The government of India also has taken some steps to achieve UHC like-

·         LaQshya: it is a safe delivery mobile application to improve quality of care in labor rooms especially at the birth time and also looks after the maternal and newborn survival. It has been launched in December 2017 for providing better care to the expectant mother in the labor room and operation theatres to prevent unfavorable incidents with newborn and mother.

·         Optional instructions for critical care: The government of India had set some guidelines relating to organize Obstetric High Dependency Units and Intensive Care Units in the year 2016. In December 2017 has released operational guidelines and directed states to establish the critical care units to provide health services to the pregnant women and recently delivered mothers.

·         mHealth: It is a safe delivery application tool with clinical instructed films on key obstetrical ways to facilitate the health workers to carry out skills into real practice.

Main health initiatives in Budget 2018-19:  The government of India has announced more health initiatives in Budget 2018-19 where the government has raised the health and family welfare parts. Here are some schemes or initiatives that are taken by the government:

• ·         National Health Protection Scheme: It will provide health coverage to at least 10 crore poor and unprotected families and there will be nearly 50 crore beneficiaries across the country. As this health scheme will provide Rs. 5 lakh health coverage to each family annually for medical treatment for smaller towns and villages.
• ·         Health and Wellness Centre: The government has planned to build near about 1.5 lakh Health and Wellness centers to bring health care system closer to the homes of every people and also provide complete health care and offer free essential drugs and diagnostic services.

Health coverage from Insurance Companies: Insurance companies are also launching some health schemes to be a part of this movement in India. The providers have arranged their products to provide coverage for every family that will bring them closer to the universal health coverage.

·         No pre-policy medical test up to 45 year: Every insurance company tells the insured person to go through some medical checkups before taking any policy to know the health status but to encourage the youth workforce to get the health insurance, most insurance providers stop this test for the applicants under 45 years.

·         Pre-existing conditions: It is like a check to access the benefits of health insurance and insurance companies have already started to cover pre-existing medical conditions and the beginning of the coverage varies between 1-3 years and it will be given as per the medical disclosure made by the buyer at the time of buying policy.

·         Lifetime renewability: IRDA of India has set rules which say that health insurance providers have to provide insurance up to 65 years of age and all health policies shall offer the lifetime renewability. This lifetime renewal have to be expected by the insurer except on some grounds (like fraud, moral hazard or distortion) and the renewal will not be rejected on arbitrary basis.

Source: http://basic-healthinsurance.com/ensure-health-is-for-all-from-this-worlds-health-day.php

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Published By
Subhra Bera
www.basic-healthinsurance.com

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Is there any need of Individual Health Insurance apart from Employer Insurance?

A person can be the part of both Individual and group health insurance plan, but it is always better to be a part of Individual health insurance plan to get more benefits.

Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. But it is advisable to buy a policy for the parents or old persons of the house as it gill protect them in the time of critical illness or provide the expenditure while hospitalization. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer. As per today’s scenario Individual Health Plan is essential for everyone as it secures the insured person from lots of difficulties as there are certain life-taking diseases that can’t be covered under any other health insurance plan. This Individual health insurance plan is a life guard for the insured person to prevent unnecessary problems and tensions in life, when the insured get hospitalized it covers all the expenses and gives relief to the family members.

So basically Individual health Insurance plan should be in the list of every employee or service person, it will be able to act like a money saver and financial support in the time of need. Though every employee is provided an employee health insurance policy under a certain health insurance company that will covers the serious injuries. The health insurance for employees is the easiest and simplest way t buy health insurance at handsome premiums and these plans also cover spouses, children and dependent parents. for these given coverage and benefits , most of the people think that health insurance policies for employees best option to keep safe and secure but there are some points need to be look over and they are:

• 1.      Poor coverage: In group insurance plans, the insurance companies makes the planning to keep most common factors for everyone and their associated common treatments and sometimes they also provide coverage against some occupational risks which are common in every industry. So basically they don’t provide any special cover for uninformed injuries that’s why whenever a person will suffer from different problem, the following health insurance policy for employee will not provide any special treatment. There are no serious ailments and diseases included in the health insurance plan for employee so critical surgeries will not be covered also.
• 2.      Incomplete coverage of hospitalization costs: Group health insurance policies will never offer total coverage of the hospitalization costs by the insured like critical surgical needs; focused treatment plans and their costs are not included in the policies.
• 3.      Limited coverage periods:  The benefits of group insurance plans lasts as long as they are part of their organization; after leaving or changing the company, these plans are automatically finished leave the former employees exposed and unprotected to medical costs.
• 4.      No tax deductions happen: Group health insurances have not the facility of tax deductions; only individual health insurances have the opportunity as per Section 80D of the Income Tax Act.
• 5.      Other issues: Most group health insurance plans don’t provide coverage of general discussion, diagnostic cost and there is no customize of unique medical history of family.

So as per the above scenarios and explanations, it is better to buy an individual health insurance plan that will cover all types of critical illness and pay expenses during surgeries and treatments. An individual health plan also provides enough tax deduction under Section 80D and there are various health insurance companies provide individual health insurance plan with right premium methods.

Source: http://basic-healthinsurance.com/is-there-any-need-of-individual-health-insurance-apart-from-employer-insurance.php

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Published By

Subhra Bera

www.basic-healthinsurance.com

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3 essential tips to stay healthy in this scorching summer

Summer leads people to unhealthy life and makes them restless in the scorching heat, so some preventive services are important in this summer.

Summer stays in India from March to July; the long three months give us enough pain to bear the heat that easily can make our health weaker. The long tiring days take out our enough energy that we get restless while working , more than that the scorching heat burns our skin and make them sweaty and dull. The ph balance of body gets weaker and as a result most of the people suffer from dehydration, diarrhea, sun tan, rashes, and itchiness etc. So it is important to keep yourself free from diseases as much as you can and put the health and well-being as a top priority. Every health insurance offers some free preventive services under the Marketplace plan; just follow them for living a healthy lifestyle. Here are the tips told which will be helpful to keep the health proactive even in the summer:

People who are under any health insurance plan can ask for preventive services rightly provided as most of the health plans cover a set of preventive services such as shots and screening tests without any cost. But these services will be available in free of cost while delivered by a doctor or taken through other provider in the plan’s network.

Summer is all about maintaining right balanace of food and water in the body; so it is rather important to eat a huge amount of vegetables, fruits and to drink loads of water. People should exchange soda habit with water and try to eat as much fruits and vegetables as they can, it will surely make a huge difference. Right balance of grains, vitamins and water in the body helps to prevent dehydration, rash, itching etc. but gives body a chill feeling from innersole.

All the above things are the home process that we can take to keep ourselves healthy and active, but if anybody wants more knowledge of being active he/she can consult a doctor under the health insurance network. Do jogging in the evening or early morning or take a walk in the airy evening and give yourself an airy atmosphere, it will definitely help you to forget the whole day’s unbearable heat and keep the oxygen supply intact.

In the first point we have talked about the Preventive health services and here is a little information about it:

Preventive services are for all adults, children and women

For adults

Abdominal aortic aneurysm one-time screening, Alcohol misuse screening and counseling, Blood pressure, Cholesterol, Colorectal cancer, Depression, Diabetes Type2, Diet counseling, Falls prevention, Hepatitis B, Hepatitis C, HIV, Immunization vaccines ( Diphtheria, Hepatitis A & B, Herpes Zoster, HPV, Influenza, Measles, Meningococcal, Rubella, Tetanus, Chickenpox), Lung Cancer, Obesity screening and counseling, STI prevention counseling, Statin preventive medication, Syphilis, Tobacco use and Tuberculosis screening.

For women

Anemia screening, Breastfeeding comprehensive support and counseling, Contraception, Folic Acid, Gestational, Gonorrhea, Hepatitis B, Preeclampsia prevention and screening, Rh incompatibility, Syphilis, Expanded tobacco intervention and counseling, Urinary tract or other infection, Breast Cancer genetic test counseling, Breast cancer mammography screenings, Breast cancer chemoprevention counseling, Cervical cancer, Chlamydia infection, Diabetes, Domestic and interpersonal violence screening and counseling, Gonorrhea, HIV, Osteoporosis, Rh incompatibility, Sexually transmitted infections, Syphilis, Tobacco use, Urinary incontinence, Well-woman visits.

For Children

Alcohol, tobacco and drug use assessments; Autism; Behavioral assessments; Bilirubin concentration; Blood pressure; Blood screening; Cervical dysplasia; Depression; Developmental; Dyslipidemnia; Fluoride chemoprevention supplements; Fluoride varnish; Gonorrhea prevention medication; Hearing screening; Height, weight and BMI measurements; Hematocrit screening; Hemoglobinopathies screening; Hepatitis B; HIV; Hypothyroidism; Immunization vaccines ( Diphtheria, Hepatitis A & B, Herpes Zoster, HPV, Influenza, Measles, Meningococcal, Pneumococcal, Rotavirus, Chickenpox); Iron supplements; Lead; Maternal depression; Medical history; Obesity screening and counseling; Oral health risk assessment; PKU screening; STI prevention; Tuberculin testing and Vision screening.

Source

www.healthcare.gov

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Published By

Subhra Bera

www.basic-healthinsurance.com

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4 steps to take after the doctor’s appointment

Doctor is the best advisor for curing diseases and it is important to take care after visiting doctor as it will speed up the effects of medicine.

Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily. People are now-a-days fell ill often and pay a huge amount of money to get rid of that illness, for treatment n good hospitals etc. but spending so much for treatment is not a matter of joke as everyone has not that capability. Though Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness. Healthy living, good thinking, positive atmosphere and bonding with family can give a person enough life to live healthy but with all of these things, a routine check up or doctor visit is a must do thing in the list.

Old members of family, pregnant women, little babies are the top most priority in a family who should visit doctor as a routine wise but besides them, every other person need to maintain this good habit. Doctors take care of our health in a professional way, diagnosis about right illness and prescribe enough medicine to get cured so their permission is must before taking any medicine or after getting ill. After finding a list of the doctors for the particular disease and after choosing the suitable one the work of choosing doctor is not over because the process of treatment and the result is not familiar to you. So make a checklist before visiting the doctor so that you can match them with your curiosities and after getting the right doctor for the particular problem one should follow some steps after the appointment it will help to keep the health good. A doctor is the best adviser for keeping our health good and he/she prescribes some medicines so that the health issues may not bother us much but patients also follow some simple steps to keep their health good and to avoid the regular visit to the doctor.

Steps taken after the appointment with doctor:

• ·         Follow the right instructions and prescriptions: Health plans are helpful while paying the cost for certain prescribed medications so if the doctor prescribes certain prescription for the disease or recommends some instructions for better health, it is important to follow them properly. Chosen Health Insurance Company is also responsible for the certain prescribed medications and by visiting their websites or contacting them the patient will get the list of pharmacies that can cover those.
• ·         Scheduling a follow-up-visit: It is important to go for the re-appointment after a certain period, keep a track of the dates for next appointments.
• ·         Review the explanation of benefits and then pay the medical bills: Under the chosen health insurance policy the insured will get an Explanation of Benefits which is an overview of the total charges after visiting the doctor and how much the health plan will pay. Insured person should pay bills on time and keep the proofs.
• ·         Contacting doctor: May some concern lies between the doctor visits, make sure all the problems must be resolved before visiting.

Source:  hhttp://basic-healthinsurance.com/4-steps-to-take-after-the-doctors-appointment.php

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Published By

Subhra Bera

www.basic-healthinsurance.com

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