Most Americans with health insurance have experienced problems

Health insurance - Problems - Stress

Almost 60 percent of covered individuals have struggled with their plans in the last year. A nationwide survey has revealed that almost 60 percent of Americans with health insurance have experienced a problem with their plan within the last year. The research conducted an evaluation of healthcare coverage among adult Americans with plans. Among the problems health insurance customers have faced within the last year have included challenges in finding an in-network provider, denied claims, and denied or delayed care that required an insurer’s prior authorization. According to the researchers…

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Does your auto policy include bodily injury liability insurance?

Bodily injury liability insurance - liability insurance form

Standard auto policies contain this coverage in all but two states, but many consumers aren’t aware of it. Bodily injury liability insurance is a specific type of coverage within an auto policy that covers the medical expenses of others if the policyholder is found to be at fault in a crash. This coverage also provides coverage for additional costs such as legal fees in case of a lawsuit. The bodily injury liability insurance coverage of an auto policy is what covers the loss of income suffered by an injured person…

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2 in 3 Americans don’t understand health insurance options if they lose coverage

Health insurance options - Not knowing options

New research shows that 68 percent don’t know what they could do if their plan wasn’t available. The majority of Americans don’t know what health insurance options are available to them in the incident that they lose their existing coverage. This is a troubling statistic as this scenario is currently an unfortunate reality for millions of Americans. Layoffs resulting from the pandemic have left many people without their employer sponsored health plans. Regardless, only just under 1 in 3 people know the options available to them. The healthinsurance.com survey determined…

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Is Your Health Insurance Company Tracking Your Diet and Exercise Habits?

Health Insurance Company - Woman Jogging

Vitality Health is using big data and the Internet of Things to learn more about customer lifestyles. A health insurance company is considering using similar tracking concepts to the auto coverage industry. Vitality Health believes that its policyholders will be willing to exchange their healthy lifestyle data for incentives. The idea is to reward those with healthier lifestyles with discounts, thereby encouraging healthier habits. The health insurance company is hoping to change the way people are viewing wellness. They are aiming to offer discounts to individuals who live healthier lifestyles.…

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Men taking Truvada often rejected for disability insurance policy

Disability insurance policy - Men rejected for HIV prevention drug

Instances men turned down for coverage based on HIV prevention use are increasingly common. Americans taking the prescription drug Truvada are finding it harder to purchase a disability insurance policy. Truvada is an HIV prevention drug meant to help protect a user from becoming infected. The Affordable Care Act bans health insurance companies from discriminating based on sexual orientation. That said, the states themselves each have their own regulations for what is allowed to determine eligibility for certain specific types of coverage such as life, long-term care, or a disability…

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