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Tag Archives: health insurance exclusions

Are premiums higher under Obamacare for smokers?

How does the Affordable Care Act affect smokers? The Affordable Care Act does allow insurance companies to charge higher monthly premiums to those who are considered smokers. Insurers can charge smokers up to 50 percent more because of the tobacco surcharge. When you apply for health insurance, you have to report on your application whether […]

Is dental insurance required under Obamacare?

Do health insurance plans have to offer dental coverage under the Affordable Care Act? It is not a requirement under the Affordable Care Act that health insurance plans must offer dental coverage to adults. However, some health plans purchased on the Healthcare Exchange Marketplace offer dental insurance as an included benefit. These plans might have […]

Will my health insurance cover a hot tub?

Sometimes, it can be surprising what your health insurance will cover. This is especially applicable to expenses that one would not normally associate with health insurance. One of those expenses is the cost of buying a hot tub. Since a hot tub is typically a luxury and not related to medical expenses at all, it […]

Can I buy health insurance for my gay partner?

The question of being able to buy health insurance for your same-sex partner is not a simple one. The answer — which is a resounding “maybe” – depends on the state in which you live and the company for which you work. You also need to take into account several other variables that are often […]

Who has the best health insurance for gay people?

There isn’t a master list of the best health insurance for gay people exists, but there are ways to figure out how to find a health insurance carrier that works best for you. The process of elimination is a given if you know of any other gay individuals who have been discriminated against by a […]

Is my mom covered under my health insurance plan?

Your mom will only be covered under your health insurance policy if you specifically purchase a plan designed to include her. There are many reasons why you might want your father or mother covered under your health insurance. Perhaps your parents live outside the United States and you want coverage for them during visits. You […]

Do I need a job to get health insurance?

You don’t need a job to get health insurance, however, having a job will certainly help when it comes to paying monthly premiums for private health insurance coverage! A better question would be, “Do I need health insurance?” The answer to this issue is most emphatically, “Yes!” In the past, having a job would almost […]

Does Health Insurance Cover Cancer Treatments?

It’s estimated that nearly 50 percent of Americans will be diagnosed with cancer in their lifetimes. Cancer can be extremely costly due to the long duration of the illness and ongoing expensive of treatments. Insurance coverage varies tremendously in regards to paying for cancer care, leaving many patients with an impossibly high medical bill or […]

Can you get health insurance with high blood pressure?

High blood pressure, or hypertension, is a condition in which the patient’s blood pressure is elevated some or most of the time. Blood pressure is measured in two numbers: systolic, which measures the pressure as the heart pumps the blood, and diastolic, which measures the pressure as the blood returns to the heart. These numbers […]

What is considered a pre-existing condition?

Health insurance companies are always looking for ways to reduce costs while covering as many people as possible. They employ a task force of claims adjusters, appraisers, examiners, and investigators to maintain the integrity of insurance contracts and detect fraudulent claims. Health insurance companies often measure medical necessity to determine what they will cover outside […]

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