#best cancer insurance policy

[ageasfederal]

Heart and Cancer Insurance Plans | Ageas Federal Life Insurance

Discover the best heart and cancer insurance plans online in India from Ageas Federal. Enjoy multiple minor stage claims, tax benefits, and comprehensive coverage. Connect with us for more details.

[middleagedenragedmama]

Repealing the Affordable Care Act (ObamaCare) - What Does It Mean for Me?

Trump has made it clear that one of his first acts as president will be repealing Obamacare or the Affordable Care Act (ACA).  He has also made it very clear that he does not have a plan to replace the ACA.  Most people understand that the ACA allows individuals and families to purchase Marketplace health insurance coverage.  Marketplace health insurance is the best option for many self-employed individuals, as the US mostly depends on employer provided health insurance plans that are cost prohibitive to small businesses.

With the announcement that Trump won the election, I was reminded that many of you did not live through or were not aware of what healthcare was like prior to the ACA (enacted in 2010).  I wanted to get on my soapbox a bit to explain what the ACA did to help individuals and what the repercussions of losing these protections could mean.

Pre-existing conditions – Prior to the ACA, health insurance companies could deny coverage or charge more for anyone with a pre-existing condition.  If you experienced a lapse in coverage for any reason (even a single day!), health insurance companies could deny coverage for any pre-existing health condition as well as any complication that arose from that condition.  Pre-existing conditions were not limited to severe health issues, it was any health condition that you were diagnosed with (ex: eczema, asthma, migraines, cancer, diabetes).

If you had high blood pressure and switched jobs, there is typically a 90-day probationary period before your new employer health plan kicks in.  During those 90 days, you would need to obtain COBRA insurance to ensure that your new employer plan would continue to cover your high blood pressure.  COBRA plans can easily cost between $600-$1800/month, so you could spend $1800-$5200 during those 3 months to prevent a lapse in coverage.  If you cannot afford to pay for COBRA, your insurance lapses and your new employer plan does not have to cover your high blood pressure.  If you end up with complications later down the road such as kidney failure or a heart attack and the insurance company decides that this is related to your high blood pressure, they don’t have to cover the cost of those complications either.

Lifetime Caps – prior to the ACA, each health insurance would list a lifetime cap on their policy.  This was generally somewhere between $1-2 million dollars.  This was the maximum amount of healthcare charges that they would insure you for, and once reached, you would become uninsurable for that healthcare plan. 

A $2 million dollar lifetime cap sounds big right?  The average person will not be eligible for medicare until they are 65, so that’s 65 years of healthcare costs that need to be under that cap.  We have 2 major health insurers (Anthem and United Healthcare) with some minor plans in play as well (Cigna, Aetna, Humana, and a few others).  Prior to the ACA, I have watched parents switch jobs from one job that provided Anthem insurance to another job that provided another type of insurance just to make sure they didn’t reach their lifetime cap.  These were individuals that didn’t want a new job, they had to find a new job and the next year, when their new employer changed their insurance plan to what the previous employer had, they had to find a new job again.  Each time, they had to pay for COBRA to ensure that their families didn’t have a lapse in coverage, otherwise their pre-existing conditions wouldn’t be covered.

Healthcare is expensive in this country.  If you have diabetes, cancer, a heart condition, or any chronic disease, you will have no problem reaching a $2 million lifetime cap in a few years. 

Once a lifetime cap is reached, that insurance will not provide you with any insurance coverage.  You are uninsurable by that company.  If you reach that cap at age 30, you have 35 years until you get Medicare, and that’s 35 years of scrounging around for other jobs that don’t have that type of insurance.

There were annual limits as well, and the same applied.  In this case, once you reached the annual limit, they just wouldn’t pay any more healthcare charges, and you were liable for 100% of the costs after that limit was reached.

Disability - If you are deemed disabled by the Social Security Administration, it takes an additional 2 years before you are eligible for Medicare.  In the interim, if you can no longer purchase a Marketplace plan, your only option is a state-funded Medicaid plan.  In order to qualify for Medicaid, there are income limits.  Remember you just got approved for disability and depending on your previous work experience, the average disability check is for $1542/monthly, but could range up to $3822/month.  Do you have a little bit of a savings?  To qualify for most state Medicaid plans when you are disabled, your income needs to be <$1255/month and you can have a maximum of $2000 in assets (savings, stocks/bonds).  The average disability payment makes you ineligible for Medicaid, and if the ACA is repealed, you will not have an option for health insurance unless your spouse carries you on their employer provided insurance.   

Preventative Services – the ACA requires plans to provide preventative healthcare services at little to no cost.  This includes well baby checks, vaccines, annual physicals, annual gynecological exams, annual lab work, mammograms, and colonoscopies.  Before the ACA, we paid for these services, and many people just didn’t seek preventative care because they could not afford the cost, even when insurance covered a portion of the charges.

Emergency Care – the ACA requires emergency room care to be considered in-network.  Prior to the ACA, if you were out of state and experienced an emergency that required an emergency room visit, you were charged out-of-network charges.  Many plans wouldn’t cover out-of-network providers, so you were liable for the entire cost of the ER visit.  A rough estimate for the average ER visit is around $2600 but could be significantly higher depending on the reason for the visit.

Protections from Cancellation – the ACA made it illegal for your insurance to cancel you for costing them to much money.  Before the ACA, similar to homeowners or car insurance, if you had too many claims, they just cancelled your coverage.

Birth Control and Contraceptives – prior to the ACA, birth control pills, IUDs, and other contraceptives were generally excluded from coverage and you had to pay for these out of your pocket.

The ACA did much more than just offer Marketplace plans for individuals to purchase.  It’s easy to take these protections for granted now that we are almost 15 years out from when they were enacted, but do not doubt that healthcare in the US is a business.  Every day, insurance plans deny coverage for treatments because it’s too expensive, and doctors are continually frustrated by the red tape required by insurance to get patients what they need.  Insurance plans will not hesitate to go back to the way healthcare was prior to the ACA, as it’s more profitable for them to do so.  They do not care that patients will suffer, that people will die, and people will be financially crippled in the process.   

[nye-the-ravenclaw]

Hogwarts Legacy (Modern Medical AU)

(I’m currently watching medical dramas now and I just needed to get it out of my system - I’m sorry Medical Professionals and Nursing Dept if its inaccurate. It’s lengthy so more under the cut.)

MC / Protagonist : Emergency Medicine / Trauma Surgery - Caring for illnesses or injuries requiring immediate medical attention (ER) as well as a history in conducting surgery for trauma wounds (stab, car crashes, crushes, falls, 3rd degree burns, gunshot wounds)

Definitely someone that jumps into action and the jackknife of medicine. Able to perform under high pressure and maintaining her cool. She works alongside Head Nurse (ER) Everett Clopton who is just as high-strung, reactive and able to keep up with her. Pages medical specialists for various patients, so she sees her colleagues periodically. Ominis Gaunt does come by to discuss certain patients’ care when required but the ER is frankly too noisy and fast-paced for him. In extreme situations where there is no medical posts or other specialists available, she is able to perform trauma surgery or provide assistance.

Sebastian Sallow also likes dropping by often to check in on her unannounced (though he also secretly enjoys the heated atmosphere of the ER).

Sebastian Sallow : Cardiothorasic Surgeon - Performing surgery on organs in the chest, such as heart, lungs and esophagus

Smart, fast, performs well with the adrenaline that comes with high pressure heart and lung surgery. Withstands long hours of precision surgery, able to perform bedside manner with respect and care. His need to jump with an action that is risky and yields the most results with success makes him prime for this department as nothing can be more dangerous than taking someone’s heart out and resetting it a hair away from death if done by the untrained and the weak-hearted. And Sebastian is none of those things.

Ominis Gaunt : Public Health / Health Policy - Researching evidence-based medicine and working with physicians to improve guidelines for treatment of conditions

The blind son of the Gaunt family, a renowned powerhouse and stronghold of medicine in the country. Ominis chooses to work at their least affiliated and poorest hospital (coincidentally also the furthest). His job is purely desk-bound, assisted by Anne Sallow as they work together to improve policies and garner funds for the hospital in the name of public health. Though nothing will stop them from heading out into the field to handle cases that they prefer to approach hands on.

Anne Sallow : Infectious Diseases Specialist - Diagnosing, treating and preventing infections in patients

An expert on Infectious Diseases and was a surgeon-in-training. After she had been diagnosed with cancer, she had to give up her studies to be a surgeon. She decided on helping others instead, affecting change at a higher level with Ominis. Shrewd, confident and charismatic, she and Ominis make sure the hospital is run to a t while dealing with insurance companies, philanthropists and the Gaunt family board members. She is in remission.

Natsai Onai : General Surgery - Performing surgery, treating diseases of abdomen, chest, head, neck, blood vessels, digestive tract, injured and deformed patients

The best surgeon this hospital has. She transferred over from Uagadou and with her experience, she is able to accomplish any surgery easily. With her strong need to help people, she has amassed extreme knowledge and drive to learn as many possible ways to carry out surgery on different ailments. She also allows the hospital direct affiliation with her mother hospital in Uagadou for resources and second opinions on abnormal cases.

Garreth Weasley : Pediatrics - Medical care of infants, children and adolescents

Family and children have always been a pillar of Garreth’s life. A cheerful and positive doctor, Garreth is a natural with children and has a hand in his family’s pharmaceutical company for manufacturing the branch of vitamin-based supplement chewables that are friendly for children. He is definitely an advocate of wearing a mask in his clinic as children really are the melting pot of diseases. He occasionally organises parties where he makes a lot of mind-numbing drinks for the other doctors, but those are rare as everyone never stops working and no one is willing to work hungover. He works alongside Poppy Sweeting often as their departments intersect. In a pinch, he is also able to deliver babies.

Poppy Sweeting : Obstetrician Gynaecologist - Treatment of pregnant woman, delivery of babies and the care of women’s reproductive organs and health

A firm but comforting presence in the OB/GYN unit, Poppy follows her patients from advisory stage and into the delivery room. When facing complications, she is able to keep her cool and remains a strong pillar of support for starting families. Poppy’s grandmother was an OB/GYN as well and Poppy decided to follow in her footsteps.

Leander Prewett : Oncology - Diagnosis and Treatment of Cancer

With family and history in medicine, Leander follows after the footsteps of his parents who are prolific doctors, gleaning their expertise and knowledge as pioneers in Oncology. While it is a study that is rife with morbidity, Leander possesses the tenacity and drive to keep a cool head and determine the best treatment and clinical trials for his patients.

After Anne was diagnosed with cancer, Sebastian stopped by Oncology way more often than he should for Prewett’s liking as he is akin to a fireball. But after working with him, Leander finds himself open to accepting newer, and riskier forms of clinical trials with an improved set of guidelines he formulated with Sallow’s opinion. In the past, he had low confidence in himself and believed that Sebastian was better suited for Oncology than he was, but after taking on Anne as his patient and seeing Sebastian’s reactions - it cements Leander’s confidence that only those with his measured temperament can do his job.

Imelda Reyes : Neurosurgery - Prevention, diagnosis and treatment of disorders that affect the nervous system, brain, spinal column, spinal cord and extra-cranial cerebrovascular system

Extremely intelligent, precise, determined and focused, Imelda possesses an eye and expertise for the human brain like no other. She does not tolerate nonsense in her office and in her operating room as one wrong move throws a patient into brain damage for life, a fate she decrees worse than death. She plays chess and sports in her spare time, her chess skills equal to being a grandmaster.

Amit Thakkar : Pharmacy - Dispensing and advising medical practitioners, patients, and nurses on safe, effective and efficient use

While it seems like a job with little excitement, it is the clear attention to detail and memory of every drug and pill in his storage that separates Amit from the rest. On top of dispensing medicine, he is also adept at chasing away unwanted abusers of his counter and is currently an advisory to procuring, discerning and looking for new drugs that could speed up patient recovery with lesser side effects.

Everett Clopton : Head Nurse with MC in Emergency Department - Directs nursing service activities in the emergency room

Everett is a trusted second-in-command to MC, and is able to handle, support her orders, and keep track of all patients and their welfare in the room. His main forte is dealing with all chains of command and patients in the chaos with a smile on his face and a sliver of veiled threats to keep them in line. He also takes time to make sure that MC is not overloading herself as she has a penchant for taking on more work than she should.

———————

(I know I’m missing some friends but they should be reserved for other areas such as anathesiologists, radiology, psychology, that sort. I might add on the Professors as well, but that is another post.)

Extra

Lucan Brattleby is definitely an intern with a flair for surgery but for which department? If anything I know he definitely idolises Sebastian and has a minor crush on MC.

[unlversegirly]

✧ ೃ༄*ੈ✩Week ahead for the signs—channeled messages (smrv) ✧ ೃ༄*ੈ✩

ꕥ aries - Your patience is paying off, those who hurt you are getting a taste of their karma. on the contrary, if you've done wrong, you may be getting a taste of your bad karma. Possible legal issues being resolved for some of you?? Some of you also may have some job interviews. Potential relief if you've been going through financial hardship.

ꕥ taurus - Some of you may have just left a situation (like a job or relationship,) or be planning to leave something behind as it no longer fulfills you. You could be investing in a deeper spiritual journey following this loss, or possibly destination travel for some of you as well.

ꕥ gemini - You might face some minor obstacles, but you will overcome them no problem. Success is close enough for you to taste it. Some of you may be advocating for something or become the spokesperson for something.

ꕥ cancer - Right now your ideas are flourishing and you need to let the world see! Lots of opportunities could be coming your way. Some of you may get your calendars filled up fast, make sure you have time for all the opportunities coming to you! If there's any time to step into your power, it's now.

ꕥ leo - If you feel beaten down by the universe lately, luck is coming your way. physical and mental health may start to improve. Lots of creative expression. Home redecorating for some of you??

ꕥ virgo - Yes, your hard work *is* paying off. You may have been dealing with lots of self doubt, but the victory you've been waiting for is here! Some of you may be getting a promotion or contract. Those of you who are dating may have someone declare their feelings to you.

ꕥ scorpio - Intense and sudden change–you can't avoid it. You might feel vulnerable while you feel everything crumble around you, but you have to surrender to the universe so you can build your walls back up. Possible migraines for some of you??

ꕥ sagittarius - Possibly a lover around the corner but they could be temporary🫣 You might be feeling creative and want to improve you lifestyle/home. Insecurity and doubt during this time will subside. If finances have been an issue, they could start looking up.

ꕥ capricorn - You're feeling extremely inspired by everything and everyone. Some of you may be starting new jobs or working on new projects. Now is a great time for creatives (songwriters, artists, etc) as the smallest things could inspire you to form a new concept.

ꕥ aquarius - Possible good news in education, finances, business, or travel. Money is coming to some of you–possibly even new properties. For some of you: finance time!! It's time to do your taxes or update insurance policies if you haven't.

ꕥ pisces - Now is a perfect time to express yourself and put your ideas out there because they will be received well by those around you–but it's important you actually do it. Perfectionism or fear of what others think is a humans greatest enemy; don't let it silence all your best ideas.

take what resonates and leave what doesn't, if it doesn't apply let it fly✌️

thanks for reading彡ೃೀ;;

[shannendoherty-fans]

Shannen Doherty’s Untimely Death Sparks Important Conversations About Healthcare Access And Equity

By Janice Gassam Asare

Shannen Doherty, the actress best known for her roles in Beverly Hills, 90210 and Charmed has died after a long battle with cancer, at the age of 53. In a 2015 statement to People magazine, the actress revealed her breast cancer diagnosis, stating that she was “undergoing treatment” and that she was suing a firm and its former business manager for causing her to lose her health insurance due to a failure to pay the insurance premiums. According to reports, in a lawsuit Doherty shared that she hired a firm for tax, accounting, and investment services, among other things, and that part of their role was to make her health insurance premium payments to the Screen Actors Guild; Doherty claimed that their failure to make the premium payments in 2014 caused her health insurance to lapse until the re-enrollment period in 2015. When Doherty went in for a checkup in March of 2015, the cancer was discovered, at which time it had spread. In the lawsuit, Doherty indicated that if she had insurance, she would have been able to get the checkup sooner—the cancer would have been discovered, and she could have avoided chemotherapy and a mastectomy.

Under the IRS, actors are often classified as independent contractors, which comes with its own set of challenges. Although it is unclear what Doherty’s situation was, for many independent contractors, obtaining health insurance can be difficult. Trying to get health insurance as an independent contractor can be a costly and convoluted process. A 2020 Actors’ Equity Association survey indicated that “more than 80% of nonunion actors and stage managers in California have been misclassified as independent contractors.” A 2021 research study revealed that self-employment (which is what independent contractors are considered to be) was associated with a higher likelihood of being uninsured.

Doherty’s tragic situation invites a larger conversation about healthcare access and equity in the United States. According to the Center on Budget and Policy Priorities, the Affordable Care Act (ACA), also known as “Obamacare,” was signed into law in 2010 and revolutionized healthcare access in two distinct ways: “creating health insurance marketplaces with federal financial assistance that reduces premiums and deductibles and by allowing states to expand Medicaid to adults with household incomes up to 138 percent of the federal poverty level.” The ACA helped reduce the number of uninsured Americans and expanded healthcare access to those most in need. It also helped close gaps in coverage for different populations, including those with pre-existing health conditions, lower-income individuals, part-time workers, and those from historically excluded and marginalized populations.

Despite strides made through the ACA, healthcare access and equity are still persistent issues, especially within marginalized communities. Research from the Henry J. Kaiser Family Foundation (KFF) examining 2010-2022 data indicated that in 2022, non-elderly American Indian and Alaska Natives (AIAN) and Hispanic people had the greatest uninsured rates (19.1% and 18% respectively). When compared with their white counterparts, Native Hawaiian and Other Pacific Islanders (NHOPI) and Black people also had higher uninsured rates at 12.7% and 10%, respectively. The Commonwealth Fund reported that between 2013 and 2021, “states that expanded Medicaid eligibility had higher rates of insurance coverage and health care access, with smaller disparities between racial/ethnic groups and larger improvements, than states that didn’t expand Medicaid.” It’s important to note that if a Republican president is elected, Project 2025, the far-right policy proposal document, seeks to upend Medicaid as we know it by introducing limits on the amount of time that a person can receive Medicaid.

When peeling back the layers to examine these racial and ethnic differences in more detail, the Brookings Institute noted in 2020 that the refusal of several states to expand Medicaid could be one contributing factor. One 2017 research study found that some underrepresented racial groups were more likely to experience insurance loss than their white counterparts. The study indicated that for Black and Hispanic populations, specific trigger events were more likely, as well as “socioeconomic characteristics” that were linked to more insurance loss and slower insurance gain. The study also noted that in the U.S., health insurance access was associated with employment and and marriage and that Black and Hispanic populations were “disadvantaged in both areas.”

Equity in and access to healthcare is fundamental, but bias is omnipresent. Age bias, for example, is a pervasive issue in breast cancer treatment. Research also indicates that racial bias is a prevalent issue—because the current guidelines in breast cancer screenings are based on white populations, this can lead to a delayed diagnosis for women from non-white communities. Our health is one of our greatest assets and healthcare should be a basic human right, no matter what state or country you live in. As a society, we must ensure that healthcare is available, affordable and accessible to all citizens. After all, how can a country call itself great if so many of its citizens, especially those most marginalized and vulnerable, don’t have access to healthcare?

[wyn-n-tonic]

Re: Insurance.

I have one of the best healthcare policies available and I pay $20 a month in premiums for it. Before this insurance, I had horrible plans offered to me that cost $65 to $200 PER PAYCHECK and had ridiculous copays and deductibles and all this other shit I had to meet that made no sense. My insurance now? $20 a month and my plan is copay only. That means when I go to the doctor, I only pay $30. I don't get a bill in the mail afterward. When I had my biopsies? I paid $40 for my specialist copay but I didn't get a bill after, I only got a letter stating that my insurance paid all $10,000 of my biopsies. When I was much younger, I had to go off medication that I am supposed to be on for the rest of my life because I lost insurance and the meds cost $350/month. I pay $3 with my insurance. And people are like, "Well, now that you have it so good, don't you want to gatekeep this level of care?" NO. I. DON'T. I want everybody to have this level of care and this level of access. We're bled dry via our taxes and none of that goes back to us. I want every single person who needs medical care to be able to get it. I think that's important. Because I know people who say that if they get diagnosed with cancer, they won't fight because the bills will be too much and their family will be left with nothing. That's RIDICULOUS. EVERYBODY DESERVES HEALTHCARE!!!!

[raynbow-shimmer]

Listen to me, as someone who used to work in health insurance billing and customer service, I have seen some fucked up things. My best paid claim from insurance was over a million dollars billed. You know how much worker's compensation insurance paid? 700k. The rest of 300k+ was a write off. I don't want to think about what would have happened if my patient didn't get hurt on the job. I wish they hadn't gotten injured given what happened to them, but it is what it is sadly. If that patient would have had a copay and coinsurance, I am sure the bill would have been outrageous. That's fucked up. I don't want to think about what would happen if the ACA is walked back. Lifetime maximums? Go fuck yourself.

I also worked for a company that made custom prosthetics for children. I actively watched them hike their prices so that they could get more out of parents/renegotiate prices with insurance. The prosthetics weren't always covered by the insurance either. Texas Medicaid? You better have a generous relative because the prosthetic was not covered under any circumstance. That would leave parents with a bill of 1600 to 3400 depending on the state to get a prosthetic that their child really might need. Fucked up.

Don't get me started on supplemental insurance either. Worked there too doing customer service. I got really good at looking at the billing codes to see what was covered and what wasn't. Observation for 23 hours and 59 minutes in the ER? Too bad, you need 24 hours to get paid out. And cancers and heart attacks, oh my god. Carcinoma in SITU? Welp, it's not classified as malignant yet, so no cancer payout for you. Minor heart attack? It has to be a major heart attack for that to be covered. Someone died in a car wreck with a BAC over like 0.08? Sorry, you're not getting that life insurance payout. It's fucked up. Soul sucking work.

I get why someone would have done something about it. (Luigi is still innocent until proven guilty, so I am not blaming him at this time.) For profit healthcare is a scam. It's not just the insurances, it's the for profit healthcare systems too, including hospital systems, pharmaceutical companies owned by the insraunces, and the medical equipment supply companies. It's the for profit hospitals who bill an elastic bandage at 35 dollars (!!! Just looked this up on my local for profit hospital system's chargemaster, jesus christ!) so they can get the tiniest bit of a higher payout than what it is worth from people who lack insurance. It's the drug companies owned by the insurances who hike up prices. It's the durable medical equipment companies who think they can get away with charging outrageous prices for any sort of assistance device. It's not the independent doctors who are trying to run an office (usually). It's not the nurses who are just trying to do the best they can while being underpaid and overworked so that the for profit system can do it's job for the shareholders. And it certainly is not the poor customer service agent you are screaming at over the phone. Policies are policies, which means that the customer service agent's hands are basically tied. All the red tape. It's insane. It's the bloated for profit healthcare system that is to blame for our problems.

Elizabeth Warren and other Senators have currently proposed a bill that would break up healthcare conglomerates and force them to sell off their stakes in pharmaceuticals. This would possibly be a game changer. Health insurances would have to negotiate with pharmaceutical companies to get the best prices on drugs. Because we know they don't want to pay. It wouldn't benefit them to recommend a higher cost drug anymore. That money wouldn't be going in their pockets. I highly suggest you look at the information behind the bill as it develops. I have also read there is a similar bill that was just proposed by the House too.

Please, contact your representatives. Tell them about the Senate's Patients Before Monopolies Act. Get impassioned and tell them what it would do for you. You voted for them, tell them what you want. These are your representatives. And if they don't care, try your hardest to fire them next go around. Healthcare is of the utmost importance to the people. It's literally a life or death situation at times. More people should care because it affects everyone. The time is now, it's time to push for a better future.

P.S. Please don't yell at the customer service workers. It's not their fault. It's a shitty job with shitty moments. I've cried with people because something wasn't covered before. The for profit healthcare industry is fucked up.

[contentment-of-cats]

Have this talk with your parents NOW

Long term care insurance. For someone in their late 50s with a history of cancer, it's more. Best explanation is here. The policy must be 'tax qualified' and the premiums can also be deducted. Waiting periods vary, but no matter what make sure that the policy has an inflation protection rider. If the policy pays $400 per diem for memory care and a high level of assistance, and your parent need $800 per day come 2033, you will have to make up the difference without it. Likewise, the difference between $8k-$12k per month and $3-$6k per year is something that you need to consider.

Mom's care was not insured. I was lucky to find a good place, and to have enough on hand to keep her there for five+ years. I ended up not needing to. I did not expect her to deteriorate so fast.

Your parents might not want to talk about it, but if you wait too long they might not be able to talk about it. This insurance is generally purchased between 50-70, and the premiums need to be kept up, so set aside money in a trust to do just that. This is the American way of death, but I know that I don't want to end up in a medi-medi bed, eaten alive by scabies and going septic with bedsores.

[carletes]

sorry but are you listening to Sarah huckabee sanders response because I actually want to puke at the transphobia and low-key racism

also like? why is her cancer story even relevant bestie u have some of the best insurance in the country for doing NOTHING most of the time, meanwhile people like me have chronic conditions and already medical debt due to ridiculous conservative policies and "only rich people deserve quality healthcare" bullshit. take ur "wokism" tokenism and shove it up ur ass omg

So fun fact, my whole life I’ve had really awful apocalyptic dreams where I have to save the world but in typical dream fashion, I’m useless and can’t walk or talk or fight, so I have to watch awful things unfold. Like super violent. And today I realized that I think it’s because I’m always hyperexposed to the news and conflicts etc and I’m always thinking about these things bc of my field SO tldr I decided to block twitter, Instagram and TikTok on my phone after 9:30pm, SO I actually haven’t kept up with any SOTU nonsense but.

I am. Not surprised. I have gotten THREE SEPARATE BILLS totaling ~3000 USD out of POCKET for a random cyst eruption that happened in JULY. And I am, alhamdulillah, a very healthy person. This country has made it functionally impossible to be well for people who are healthy, let alone those who struggle with medical issues. And to then obscure from this using trans people—already marginalized and so vulnerable to harm and violence—as bogeymen and scapegoats…disgusting cowardice, absolute filth.

Sending you so much love dearest anon. Revolution, Inshallah.

[allianzayudhya]

Understanding ประกันโรคมะเร็ง: Essential Coverage for Cancer Care

When facing the challenge of a serious illness like cancer, having the right insurance can make a significant difference. ประกันโรคมะเร็ง (cancer insurance) provides specialized coverage that can ease the financial burden associated with cancer treatment. Whether you're looking for protection for yourself or a loved one, understanding how cancer insurance works is crucial to making an informed decision.

What is ประกันโรคมะเร็ง? ประกันโรคมะเร็ง is a type of critical illness insurance specifically designed to cover the costs related to cancer treatment. It typically includes expenses for chemotherapy, surgery, medication, and hospitalization, helping to alleviate the financial stress that often comes with a cancer diagnosis.

How Does ประกันโรคมะเร็ง Work? Cancer insurance works by providing a lump sum payout or reimbursement for covered expenses when a cancer diagnosis is made. The coverage might also extend to treatments like radiotherapy, specialist consultations, and palliative care, depending on the plan you choose.

Why You Need ประกันโรคมะเร็ง? Cancer treatment can be expensive, and ประกันโรคมะเร็ง helps reduce the financial impact. By purchasing cancer insurance, you ensure that you have financial support during a challenging time, allowing you to focus on recovery rather than worrying about the costs of care.

Benefits of Choosing Allianz for ประกันโรคมะเร็ง Allianz’s ประกันโรคมะเร็ง policies offer comprehensive coverage options to meet your needs. Their clear policy terms, excellent customer service, and wide network of medical providers ensure that you have access to the best care without the added worry of high medical bills.

How to Apply for ประกันโรคมะเร็ง Getting ประกันโรคมะเร็ง from Allianz is simple. You can easily apply online through their website or speak to an Allianz representative who will guide you through the process and help you choose the right plan.

Protect Yourself with Allianz’s ประกันโรคมะเร็ง For more details about ประกันโรคมะเร็ง and how it can benefit you or your family, visit Allianz’s official website. Don't wait until it's too late—secure your future today with comprehensive cancer coverage from Allianz.

[coverfox-insurance-01]

How Health Insurance Saves You from Medical Financial Stress

The Growing Burden of Healthcare Costs

Healthcare costs have been rising steadily over the years. Treatments for even minor illnesses or injuries can lead to significant expenses, while critical illnesses and surgeries can drain your savings entirely. The burden extends beyond hospitalization, with diagnostic tests, post-treatment medications, and follow-up consultations adding to the financial stress.

For example, a single hospitalization for a chronic condition like heart disease can cost thousands of dollars, leaving many individuals and families struggling to cope. Without health insurance, these expenses often result in dipping into savings, taking loans, or even delaying necessary treatments. This financial strain underscores the importance of having a comprehensive health insurance plan.

How Health Insurance Provides Financial Relief

1. Hospitalization Costs Coverage

Health insurance covers major hospitalization expenses, including room charges, doctor’s fees, diagnostic tests, and medications. This eliminates the need for you to worry about managing large bills during a medical emergency.

2. Cashless Hospitalization

With cashless facilities, you can receive treatment at network hospitals without making upfront payments. The insurer directly settles the bill with the hospital, providing immediate relief during emergencies.

3. Pre- and Post-Hospitalization Expenses

Health insurance policies also cover expenses incurred before admission and after discharge, such as diagnostic tests, medications, and follow-up consultations. This comprehensive coverage ensures you don’t face financial challenges even after your treatment ends.

4. Critical Illness Coverage

Plans offering critical illness coverage provide financial aid for severe conditions like cancer, kidney failure, or strokes. These policies either offer lump-sum payouts or reimburse the treatment costs, making long-term care affordable.

5. Savings Protection

Medical emergencies can wipe out years of savings in one go. Health insurance protects your savings, allowing you to use them for other essential financial goals like education, retirement, or investments.

Looking for Best Health Insurance visit Coverfox.com

Additional Benefits of Health Insurance

1. Tax Savings

Health insurance premiums are eligible for deductions under Section 80D of the Income Tax Act, providing financial benefits along with health coverage.

2. Affordable Premiums

Paying a relatively small premium secures you against high medical bills, offering immense value for money.

3. Coverage for Daycare Procedures

Modern treatments often don’t require hospitalization. Health insurance covers procedures like chemotherapy, dialysis, and cataract surgery, making it easier to access advanced healthcare.

Tips to Maximize Health Insurance Benefits

Choose Adequate Coverage: Ensure the sum insured is sufficient to handle high medical costs.

Check Network Hospitals: Opt for policies offering cashless treatments at hospitals near you.

Understand Policy Terms: Know what’s included and excluded to avoid claim rejections.

Add Riders: Enhance your policy with riders like critical illness or maternity coverage.

Conclusion

The rising costs of healthcare highlight the importance of having reliable health insurance. It protects you from financial stress, preserves your savings, and ensures access to quality treatment when you need it most. By investing in the right health insurance plan, you can secure your financial future and focus on recovery during medical emergencies.

Assess your healthcare needs and choose a health insurance plan that provides comprehensive coverage and peace of mind.

Read More Related Blogs Which Are the Best Health Insurance Aggregators in 2024? What Are the Different Types of Health Insurance? A Detailed Overview

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Understanding OPG X-Ray Cost and Finding an OPG X-Ray Near Me

If you've been advised to get a dental X-ray and are wondering about the OPG X-ray cost or looking for an OPG X-ray near me, you're not alone. Orthopantomogram (OPG) X-rays are an essential diagnostic tool in modern dentistry, providing a panoramic view of your teeth, jaws, and surrounding structures. Knowing the costs involved and finding a reliable facility nearby can help you get the best dental care efficiently and affordably.

What is an OPG X-ray?

An OPG X-ray is a specialized type of dental imaging that captures a comprehensive two-dimensional image of the upper and lower jaws in a single frame. This scan helps dentists and oral surgeons diagnose issues like impacted teeth, jaw misalignments, fractures, infections, and even early signs of oral cancers. Unlike traditional bitewing X-rays that capture only a section of your teeth, an OPG provides a "big picture" view, making it invaluable for planning treatments.

How Much Does an OPG X-Ray Cost?

The OPG X-ray cost varies depending on factors such as location, the type of facility, and insurance coverage. On average, the cost of an OPG X-ray ranges from Rs 300 to Rs 600 and up to 1000. In some specialized clinics or metropolitan areas, the price may go higher. If you have dental insurance, part or all of this cost may be covered, depending on your policy and the reason for the X-ray.

How to Find an OPG X-Ray Near Me

When searching for an OPG X-ray near me, you have several options. Many general dental clinics, orthodontic centers, and specialized imaging facilities offer OPG services. You can check with your dentist, use online search tools, or consult healthcare directories to locate the nearest service providers. It’s a good idea to read reviews and check for accreditation to ensure you're getting the best service.

Why is an OPG X-ray important?

An OPG X-ray is often the first step in diagnosing a wide range of dental and jaw issues. This scan helps in detecting:

Dental decay and cavities

Gum disease

Cysts, tumors, or bone infections

Developmental issues in children’s teeth

Wisdom teeth positioning and impactions

The speed, convenience, and thoroughness of an OPG scan make it an essential tool in preventive and corrective dentistry.

Conclusion

Understanding the OPG X-ray cost and knowing where to find an OPG X-ray near me can simplify your dental care journey. These X-rays are quick, and painless, and provide vital information for effective dental diagnosis and treatment. If you need one, don't delay — consult your dentist today and take proactive steps for your oral health!

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A Beginner’s Guide to Finding the Best Health Insurance in India

Health insurance is a critical investment in your well-being, providing financial protection against unexpected medical expenses. With rising healthcare costs, having the Best Health Insurance plan in India ensures that you and your family can access quality medical care without financial strain. However, choosing the right policy can feel overwhelming due to the wide variety of options available. This guide simplifies the process and helps beginners find the ideal health insurance plan in India.

Why Health Insurance is Essential

Health insurance offers more than just peace of mind. It provides:

Financial Security: Covers hospitalization, surgery, and other medical expenses.

Access to Quality Healthcare: Enables treatment at top hospitals without worrying about costs.

Tax Benefits: Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act.

Finding the Best Health Insurance plan ensures comprehensive coverage, helping you navigate medical emergencies confidently.

Key Factors to Consider When Choosing Health Insurance

1. Assess Your Needs

Start by evaluating your requirements. Consider:

Family Size: Do you need individual plans or a family floater policy?

Medical History: If you or a family member has a pre-existing condition, look for policies that offer relevant coverage.

Age and Lifestyle: Younger individuals may need basic coverage, while older adults require plans with extensive benefits.

2. Compare Coverage Options

The Best Health Insurance policies offer extensive coverage. Look for plans that include:

Hospitalization Expenses: Covers room rent, ICU charges, and doctor fees.

Pre- and Post-Hospitalization: Expenses incurred before and after hospitalization are covered.

Daycare Procedures: Includes treatments that don’t require overnight stays, such as cataract surgery.

Ambulance Charges: Covers transportation costs during emergencies.

Critical Illness Coverage: Provides a lump sum amount for critical illnesses like cancer or heart disease.

3. Check for Cashless Network Hospitals

The cashless facility is a major advantage of health insurance. Insurers partner with hospitals to offer cashless treatment, eliminating the need to pay upfront and file reimbursement claims. Ensure your preferred hospitals are part of the insurer’s network.

4. Evaluate Waiting Periods

Most health insurance plans have waiting periods for pre-existing conditions, maternity benefits, or specific treatments. The Best Health Insurance plans have shorter waiting periods, allowing you to access coverage sooner.

5. Look for No-Claim Bonus (NCB)

Many insurers reward policyholders for not making claims in a policy year by increasing the sum insured without additional premiums. Choose a plan that offers a substantial NCB benefit to enhance your coverage over time.

6. Check the Claim Settlement Ratio

The claim settlement ratio (CSR) indicates the percentage of claims settled by an insurer in a year. A high CSR is a good indicator of the insurer’s reliability. The Best Health Insurance providers have a CSR above 95%.

7. Understand Sub-Limits and Co-Payments

Some policies impose sub-limits on room rents or specific treatments, and co-payment clauses require policyholders to bear a percentage of the expenses. Review these terms carefully to avoid unexpected out-of-pocket costs.

8. Compare Premiums and Affordability

While it’s tempting to choose the cheapest plan, affordability should not come at the cost of inadequate coverage. Compare premiums across insurers to find a policy that offers the right balance of cost and benefits.

9. Read the Fine Print

Every health insurance policy has exclusions, such as cosmetic treatments or experimental procedures. Reading the policy document thoroughly ensures you’re aware of what is and isn’t covered.

10. Use Online Tools for Comparison

Online platforms and tools simplify the process of comparing health insurance policies. These tools allow you to filter plans based on your needs, making it easier to identify the Best Health Insurance for you.

Popular Types of Health Insurance in India

Individual Health Insurance: Covers one person, ideal for individuals without dependents.

Family Floater Plans: Provides coverage for the entire family under a single sum insured.

Critical Illness Plans: Offers lump sum payouts for life-threatening diseases.

Group Health Insurance: Provided by employers to employees, often with limited coverage.

Senior Citizen Plans: Tailored for individuals above 60, focusing on age-related health issues.

Tips for Beginners

Start Early: Buying health insurance at a younger age results in lower premiums and fewer restrictions.

Review Annually: Assess your policy each year to ensure it meets your changing needs.

Seek Expert Advice: If unsure, consult an insurance advisor for personalized recommendations.

Conclusion

Finding the Best Health Insurance in India doesn’t have to be complicated. By assessing your needs, comparing coverage options, and understanding policy terms, you can choose a plan that provides financial security and comprehensive healthcare coverage.

Health insurance is more than a policy—it’s a lifeline that protects you and your family from unexpected medical expenses. With careful research and planning, you can make an informed decision that ensures peace of mind and access to quality care when you need it most. Start your journey toward securing your health today!

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Protect Your Future with Comprehensive Trauma Insurance – A Guide by AFA Insurance

Life is unpredictable, and while we hope for the best, it’s wise to prepare for the unexpected. Trauma insurance is your financial safety net when life throws a curveball in the form of a critical illness or major health event. At AFA Insurance, we understand the importance of safeguarding your finances and peace of mind, ensuring you can focus on recovery without the added stress of financial burdens. Let’s dive into what trauma insurance is and why it’s a game-changer for individuals and families alike.

What Is Trauma Insurance?

Trauma insurance is a type of coverage that provides a lump sum payment if you’re diagnosed with a critical illness, such as cancer, a heart attack, or stroke. Unlike other insurances, it doesn’t reimburse medical expenses but offers financial freedom to cover treatment, ongoing bills, or lifestyle adjustments. At AFA Insurance, we provide tailored trauma insurance plans to meet your unique needs, ensuring comprehensive protection when you need it the most.

Why Trauma Insurance Matters

Facing a critical illness can be overwhelming, both emotionally and financially. Trauma insurance ensures that while you focus on your health and recovery, you’re not worrying about mortgage payments, school fees, or daily expenses. At AFA Insurance, we’ve seen firsthand how this coverage can transform lives by offering a financial cushion in times of distress.

The Key Benefits of Trauma Insurance

One of the standout features of trauma insurance is its flexibility. The lump sum payment can be used however you choose—whether it’s paying for specialized treatments, reducing debt, or taking a much-needed recovery break. AFA Insurance provides transparent policies designed to give you peace of mind, knowing you have financial support to navigate life’s challenges.

Who Needs Trauma Insurance?

Anyone can benefit from trauma insurance, regardless of their life stage. Whether you’re single, raising a family, or planning retirement, this insurance ensures you’re prepared for the unexpected. At AFA Insurance, we emphasize the importance of early planning, helping you secure your financial future before a health crisis occurs.

How to Choose the Right Trauma Insurance Plan

Selecting the right trauma insurance policy can feel overwhelming, but AFA Insurance makes it simple. Start by evaluating your financial responsibilities, family needs, and existing health conditions. Our expert advisors will guide you through the options, ensuring your policy aligns with your personal and financial goals. Trust AFA Insurance to provide clarity and confidence in your decision-making process.

Why Choose AFA Insurance for Your Trauma Insurance Needs

At AFA Insurance, we’re committed to delivering more than just insurance—we offer peace of mind. With years of experience, personalized service, and a deep understanding of our clients’ needs, we’ve become a trusted name in providing trauma insurance. Our policies are designed with transparency and affordability in mind, ensuring you’re always covered when it matters most.

Conclusion

No one likes to think about critical illnesses, but being prepared can make all the difference. Trauma insurance from AFA Insurance empowers you to face life’s toughest challenges with financial security and peace of mind. Don’t wait for the unexpected—contact AFA Insurance today and take the first step toward a safer, stress-free future.

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6 Must-Know Tips for Picking the Best Family Health Insurance

Many lifestyle changes have come about in the modern era. A fast-paced lifestyle is a result of city urbanisation. The globe has improved, yet this progress has brought several health problems. Everyone knows how easily hospital bills and medical expenses may deplete all of your cash. 

Only the best health insurance can afford today's spiralling health care costs. Given this, it is impossible to overstate the significance of having quality health insurance for families. But if you look into the insurance sector now, you'll find dozens of insurers ready to sell you their family health plans. 

How do you choose from the health insurance plans for family when all seems like a good deal? Take no worries, as this article highlights expert tips to pick the best family health insurance policies in no time. So, let's start.

Check The Coverage and Benefits

When shortlisting health insurance plans for your family, ensure they include coverage for various healthcare expenses, including hospital stays, surgeries, diagnostic procedures, ambulance rides, and pre- and post-hospitalisation expenditures. 

See if the policy covers treatment for critical medical conditions like cancer and kidney failure. Also, experts advise reviewing the policy's incentive package, which includes pre-existing disease coverage, pregnancy benefits, and extra riders that expand the policy's cover protection. 

If you have elderly family members, consider health insurance plans that address their unique medical requirements. Age-related illnesses and chronic ailments that frequently afflict the elderly may be covered by such insurance.

Pick a Plan That Comes With Value-Added Benefits and Discounts on Premiums

Value-added perks increase your coverage without raising the cost of the plan. Features like free health exams, organ donations, and automatic renewal of the insurance amount are a few examples of these.

Choose a Plan That Offers Flexibility To Add New Family Members

An individual purchasing a family health insurance plan should consider the ease of adding new family members. The remaining family members can keep using the same plan without sacrificing any of its benefits if a senior member becomes ineligible for coverage or dies.

Look For Affordability

The plan's cost-effectiveness is another important consideration that needs to be made. Certain features are shortlisted when you select a package based on your needs. Additionally, certain plans with all these benefits may come with a hefty premium that is difficult on your wallet. 

Consider A Policy Offering Smooth Claim Settlement

When picking health insurance plans for families, go for the one offering a seamless, hassle-free claim settlement process. Also, ensure the insurer has a reputation of having a high claim settlement ratio in the market. 

The claim settlement ratio is nothing but a comparison between the aggregate number of claims the insurer settled and the aggregate number of claims they received. The company will likely support you during trying times if it has a high claim settlement ratio.

Co-Payment Clause Is Also Important

In terms of health insurance, co-payment refers to the portion of the agreed-upon amount that the policyholder would pay out of pocket. The insurance company pays for any outstanding hospitalisation costs. The buying policy without a co-payment provision is an option.

Conclusion

To sum up, selecting health insurance for your family is an important choice that needs careful thought. So, it is essential to take your time and thoroughly review the conditions stated in the insurance plan. Opting for the insurance plans offered by Acko can be a wise move. 

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Top Benefits of Health Insurance You Shouldn’t Ignore 

Health insurance is one of the most important investments you can make for yourself and your family. It’s not just about covering medical expenses; health insurance provides a wide range of benefits that contribute to both your financial and physical well-being. Whether you’re young and healthy or managing a chronic condition, understanding the top benefits of health insurance can help you appreciate its true value. Here are some key reasons why you shouldn’t ignore the importance of having health insurance.

Financial Protection Against High Medical Costs

One of the most obvious and important benefits of health insurance is financial protection. Medical bills can be unexpectedly high, especially in the event of serious illness, surgery, or hospitalization. Without insurance, you may be left to cover these costs out of pocket, which can quickly lead to significant debt.

Health insurance helps mitigate these financial burdens by covering a large portion of your medical expenses. Depending on your plan, health insurance policy can cover doctor visits, hospital stays, surgeries, preventive care, and prescription medications. This protection ensures that you don’t have to bear the full cost of healthcare services, providing peace of mind in the event of an emergency or serious health issue.

2. Access to Preventive Care and Wellness Programs

A major benefit of health insurance is the access it provides to preventive care. Many health insurance plans offer coverage for routine screenings, vaccinations, and annual check-ups at little or no additional cost. Preventive care is key to maintaining good health, as it helps catch potential health issues early when they’re easier and less expensive to treat.

For example, health insurance plans often cover cancer screenings, blood pressure checks, cholesterol tests, and immunizations. By staying up-to-date on these important health measures, you can avoid more serious medical problems down the line and maintain a better quality of life. Additionally, many plans offer wellness programs that encourage healthy living, such as discounts on gym memberships, weight loss programs, and smoking cessation support.

3. Access to a Wide Network of Healthcare Providers

With health insurance, you gain access to a wide network of doctors, hospitals, and specialists. Most insurers have partnerships with a network of healthcare providers, meaning you can receive care from qualified professionals without the need for a referral (in many cases). This is especially important if you need specialized care or treatment.

Having health insurance can also improve the overall quality of care you receive. Insurance providers usually screen healthcare professionals, ensuring that you’re receiving care from trusted and accredited providers. Whether you need a general practitioner, specialist, or emergency services, health insurance gives you the flexibility and assurance that you will have access to the best healthcare available.

4. Emergency Coverage and Hospitalization Costs

Emergencies can happen at any time, and the cost of emergency medical services can quickly spiral out of control. Health insurance provides vital protection in case of emergencies, whether it’s an accident, heart attack, stroke, or any unforeseen health issue.

Most health insurance plans cover the cost of emergency room visits, ambulance rides, and urgent care. Without health insurance, these emergency expenses can lead to significant financial strain. With proper coverage, you won’t have to worry about paying thousands of dollars out of pocket for emergency services or hospitalization, which can often cost far more than routine care.

5. Mental Health Support and Therapy Services

Mental health is just as important as physical health, and health insurance plans are increasingly recognizing the importance of providing coverage for mental health services. Many health insurance plans now include therapy, counseling, and psychiatric care as part of their coverage.

Access to mental health services can be a crucial part of your overall well-being. Whether you’re dealing with anxiety, depression, or stress, therapy and counseling can make a significant difference in your life. Health insurance ensures that you have the support you need to maintain both your mental and physical health. Without it, mental health services can be prohibitively expensive, making it harder to seek help when needed.

6. Prescription Drug Coverage

Prescription medications are often necessary for managing chronic conditions or treating illnesses, but they can also be costly without insurance. Health insurance helps offset the cost of prescription drugs, making necessary medications more affordable. Depending on your plan, your insurer may cover most or all of the cost of your prescriptions.

With health insurance, you can access a wide range of medications at reduced costs, ensuring that you get the treatment you need without emptying your wallet. For those with chronic conditions such as diabetes, asthma, or hypertension, having prescription coverage can be a financial lifesaver.

7. Peace of Mind and Financial Security

Having health insurance gives you peace of mind knowing that you are financially protected in the event of an illness or accident. Without insurance, a serious medical condition can not only affect your health but also lead to financial hardship due to the high cost of treatment. Health insurance reduces the stress and uncertainty associated with healthcare expenses, allowing you to focus on getting better rather than worrying about how you’ll pay for medical care.

In addition to medical protection, health insurance provides security for your family. If you’re the primary breadwinner, knowing that your loved ones are covered in case of an emergency or unexpected health issue brings valuable peace of mind.

Conclusion

The benefits of health insurance are clear—it offers financial protection, access to preventive care, and a broad network of healthcare providers. From emergency coverage and prescription drug discounts to mental health support, having health insurance ensures that you and your family receive the care and protection you need to stay healthy. It’s a crucial investment in your well-being and financial security, making it a must-have for everyone. If you don’t already have health insurance, consider exploring your options and taking the step to safeguard your health and your future.