When you’re buying short term health insurance
There are several safety practices that you should observe whenever you are making a purchase, especially when it is a purchase that can have a drastic affect on your life, such as short term health insurance. One of the main safety procedures to follow is to check the background of the company that you are buying your medical health insurance from. You need to know many things about them before you can determine whether or not they are right for you.
Lots of companies are playing tricks by giving out fake policies to various customers. You think you have great coverage and that your policy is real until you need to use it, when you find out it’s fake and that it doesn’t actually work in your state. There are also health insurance companies who don’t have enough money to provide for you if you make a claim, and have a history of screwing people over before. To find out about your health insurance company, call your state’s office of insurance regulation.
Cheers,
Fashun Guadarrama.
Child health insurance in Florida for American Indians
Reader question:
I’m an American Indian living in Florida. Are my children eligible for KidCare Florida health insurance?
Sam
It depends.
If you are a Native American, then it will still depend on your income and other eligibility requirements to determine whether or not your children are able to get KidCare Florida health insurance, such as determining whether or not your child is provided with health care insurance through your employer. If you otherwise meet the eligibility rules, then your children probably will be able to get insured through KidCare child health insurance.
The great thing about getting KidCare child health insurance if you are an American Indian is that it has pretty much no cost. Unlike other KidCare recipients, who must pay a monthly premium as well as some co-payments and fees for doctor visits and prescriptions, if you are an American Indian the service is entirely free, with no monthly charge nor co-payments. Call the Florida Office of Insurance Regulation to find out if your child is eligible.
Cheers,
Fashun Guadarrama.
Florida health insurance office of insurance regulation
Reader question:
I live in Tampa Bay and have Florida health insurance. What, I wonder, does the Florida office of insurance regulation do while my medical health insurance company is denying all of my claims and screwing me over?
Meredith
I understand your anger, Meredith.
Sometimes you’ll get insured through your Florida health insurance and will be paying several hundred dollars every month, only to find out when it comes time that you need it, that you have nothing to show for all that money that you invested into your health care. Now you’re stuck with possibly thousands of dollars in health care bills, and it seems like there is nothing that you can do about it. There are many people around the United States that find themselves in this position, which is why it should be realized that the fact that there are forty million people uninsured is a big problem, but it does not describe the problem in its entirety.
If you believe that your Florida health insurance company is doing you wrong, though, Meredith, you don’t have to sit back and let it happen to you while you feel helpless. The Florida Office of Insurance Regulation can help you. Their job is, indeed, to regulate Florida health insurance and monitor medical health insurance companies to make sure that they are following state regulations, but individual situations can often fall through the cracks.
In order to bring your situation on your Florida health insurance policy to the attention of the Florida Office of Insurance Regulation, you have to take an active step instead of simply suspecting that they are not monitoring medical health insurance companies well enough. In order to have them look into your claims dispute, you have to file a complaint with the office to bring attention to your problem. Then they will look into it and, if you are in the right, will help you resolve it.
The Office of Insurance Regulation also helps people trying to find Florida health insurance coverage. They have a list that includes the names and information about medical health insurance companies so that you have a better idea of what your choices are.
Cheers,
Fashun Guadarrama.