Archive for category Health Insurance
Vista Health Plans – Florida Health Insurance
Posted by admin in Health Insurance, Health Plans on October 23, 2011
Vista health plans are offered to members living in Florida and are part of the Coventry family of insurance providers. With the rising cost associated with most modern group health insurance coverage plans, more individuals, families and companies are turning to more affordable individual health plans. Unfortunately, one of the big drawbacks to such plans for employees is that the employee must then pay additional premiums for dependent coverage. In other words, the company provides individual plans. If an employee wants family coverage, they must pay the difference in premiums to cover their spouse and children.
Vista health plans are considered HMO policies, since Vista is a health insurance HMO carrier. HMO is an acronym for health maintenance organization, although HMO plans have come to be known as managed healthcare. This is because the insurance company manages its members’ health care by determining what medical expenses it deems are necessary and will therefore cover. Read the rest of this entry »
Medicare Coverage and Mental Health – Depression in Seniors Soon Covered by Medicare Insurance
Posted by admin in Health Insurance, Mental Health on October 23, 2011
Medicare Hopes to Increase Coverage for Depression
Depression is a very real issue for seniors (and other Americans) all over the country. However, in many seniors the disease has gone undetected, because even with Medicare, preventative measures were not covered for mental health needs. Seniors with depression, especially white, older males, have a much higher chance of being diagnosed, because patients typically present physical, tangible complaints rather than symptoms of their mood.
Already, some Medicare beneficiaries are being treated for depression, although those who are, encounter very high out-of-pocket expenses. Those with Medicare Supplemental Plans (or Medigap Insurance) were able to handle more of the costs, but those without supplemental insurance often went without treatment.
Medicare hopes to rectify that situation with new policies that focus on early detection and preventative measures as opposed to just treatment after the disease has already taken hold: Read the rest of this entry »