Monday, January 21

Author: admine21

Water, Water Everywhere: Bottled Water Choices In Texas

"Water, water everywhere and not a drop to drink," or so the saying goes. Texas knows this well, with large swaths subject to extreme heat and drought inland, and non-potable salt water down in the Gulf. There may be water, but no one can drink it without treating it first. East Texas is richer in water resources than the rest of the state, but even this area experiences shortages, resulting in citizens voluntarily, and sometimes involuntary, rationing. Cities like Houston, Dallas, and Austin are particularly vulnerable in the event of a public water system failure, due to massive populations. Summer, as well, brings about vulnerabilities for many Texas communities, as rain decreases during this time and water usage increases. Keep yourself healthy -- and that health insurance company h...

Where Does Health Insurance Come From?

We are all familiar with the concept of health insurance and most people have it in some form or another, but have you ever stopped to wonder how it all began? The idea of paying monthly or annual fees to cover the cost of our health issues seems to be a modern one, but the truth is that there is a long history behind it.Centuries OldThe original idea of health insurance was brought into being by Hugh Chamberlen in 1694. By the time the 1800`s rolled around, people were able to buy accident insurance, which worked to help those who were injured in an accident or who ended up disabled.The very first health plans only offered compensation if the victim was injured due to an accident on a steamboat or train. While not terribly useful, since there were more injuries related to other circumst...

Texas Health Insurance Plans – Fee-For-Service Vs. Managed Care

Texas health insurance plans offer protection against sudden and unexpected costs for illnesses and injuries.  According to the U.S. Census Bureau, only 3 out of every 4 Texans have some form of health insurance.  A Harvard Medical School study found that in 2001, out-of-pocket costs averaged nearly $12,000 per American, and although 75% had health insurance at the time of the injury or illness, 750,000 people filed for bankruptcy due to medical costs.  The most affordable health insurance in the individual and group market is managed care plans like PPO's. Most employers don't even offer Fee-For-Service type plans and this holds true in the individual market as only a few carriers have plans that don't require usage of a provider network.  Under a fee-for service or indemnity plan, a po

UniCare to pull out of Illinois, Texas

Just as Congress works to pass health reform that would give insurance companies tax dollars to help consumers pay for coverage, the nation's largest medical insurer said it would exit the Illinois market, leaving behind more than 180,000 customers.WellPoint Inc., which operates locally as UniCare, said it will exit Illinois and Texas, where it has about 400,000 members, in an effort to focus on its other U.S. operations. WellPoint said the subsidiary is profitable, but "there are competitive pressures in Illinois and Texas that have made it increasingly difficult for UniCare to offer quality products that are competitively priced."The health bill "is a moving target, and this decision is a strategic one that was made independent of any health reform legislation," WellPoint spokesman Ton...

Top 10 Health Insurance Companies – How Can You Identify Them?

TOP 10 HEALTH INSURANCE COMPANIES – HOW CAN YOU IDENTIFY THEM? Online search – Often not helpful If you have searched online for the top 10 health insurance companies, you are likely to have been frustrated by the results. You would have realized that the lists of the top 10 health insurance companies differ substantially from one website to another. Which list can you count on? How do you know that the lists are trustworthy? It is important to identify the top health insurance companies Despite the above-mentioned obstacles, it is important to identify the top health insurance companies. Getting a good health insurance is directly dependant on the fine rating of the health insurance company. Ranking or rating insurance companies should not be based only upon costs of the insurance plans

Texas Health Insurance For Pre-existing Conditions

A pre-existing condition is a medical issue that you've had previously prior to getting health insurance. One example of a pre-existing condition is diabetes. In the state of Texas, that would fall under the definition for pre-existing conditions. If you have health insurance in Texas, you may have to wait several months or years before the insurance will pay for claims in regard to that condition.When you're filling out the application for health insurance, it is required that you include the pre-existing condition. Not including it can subject you to not having additional claims paid or your policy may be cancelled. This stipulation holds true for those that have health insurance in Texas.Your health insurance company in Texas may consider a pre-existing condition to be one where you h...