Michelle’s Law
Michelle’s Law is now in effect across the country. It states that a student can take up to a year off school for illness so that the student can remain on the families health insurance.
It’s named after a college student called Michelle Morse who died of colon cancer in 2005 and who remained a full time student to keep her insurance.
It’s a good law as I know first hand what a horror colon cancer can be and I can’t imagine having to go to classes till you are on your death bed. Kudos to her mom AnnMarie Morse and Rep. Paul Hodes.
Unregulated Fake Health Insurance
I have noticed the last year or so I am getting quite a few offers in the mail from supposed insurance companies that claim to offer health coverage that is affordable and that sounds quite tempting. However some of these companies target the elderly and make them pay thousands and then deny services or really only offer discounts on medical services that are not even worthwhile or worth the money.
When people complain and want their money back they often only get about half if even that and are told that the rest was an application fee. Two of these companies that are currently being sued are Home Health America and Consumer Health Benefits Association.
Do your research before you invest in such a company for your health insurance and as always, if it sounds too good to be true it probably is.
New Study on Health Insurance
A new study finds what we’ve all known for some time, most Americans that try to buy personal health insurance end up not getting any simply because they cannot afford it. That translates into three out of four people, about 57% said they couldn’t find insurance that would meet their needs and that they could afford.
About 47% said they simply didn’t find a plan that fit their needs, and another 36% said they couldn’t get insurance because of pre-existing conditions, or had conditions that insurance companies would not cover.
They also found that people who did buy individual plans ended up paying a lot more for premiums and deductables than those people who had insurance through their job.
The numbers are staggering, people with individual health care coverage paid an average of over $6,700 , whereas those who had insurance from work paid only$2,250.
People need to have health insurance that they can afford and will cover the conditions that they need covered. This all seems to so simple and yet will we ever get there?