Cheap health insurance may look like a bargain, but what happens if you have a major medical problem? You don’t want to be caught off-guard if an unexpected major medical problem arises. Cheap health insurance means one thing to one person and something else to another. While the idea of getting cheap health insurance is very appealing, no one wants to deal with the repercussions of bad or inadequate health insurance. Cheap health insurance has become the issue of the moment in Ontario and across the country. More small businesses are increasingly unable to provide cheap health insurance plans to their employees because of the rising cost and the lack of federal and State legislation that would allow small businesses to purchase cheap medical insurance in pools.
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Medicare supplemental insurance offers senior coverage for health care costs that are not covered by a traditional Medicare plan. By having Medicare supplemental insurance, seniors can rely on consistent, constant and comprehensive coverage when they need it. Medicare supplemental insurance is designed for people on Medicare who wish to have more comprehensive coverage. These supplemental plans may include Managed Care HMO plans or Medigap PPO plans that provide you with greater access to participating physicians. Medicare and Medicaid are both excellent programs for those individuals who qualify. Still, they are no substitute for a system that allows us all to access basic private medical insurance cover at a cost we can afford.
Medical Insurance, also known as health insurance, protects individuals and their families against unforeseen expenses. In the process, there are two parties, namely the insurer and the insured. Medicaid is for people who come under the low-income bracket. Every person is eligible for it, and having a job does not affect one’s eligibility. Medical terms can be confusing, and before speaking with an insurance agent, you should make sure you understated his or her language. Make sure you read our overview of health insurance companies to understand each provider’s identity better.
Individual companies are free to evaluate the risks to insure you in whatever manner they see fit. Each health insurance company employs people (actuaries) that try to calculate the statistical risks involved in insuring you, and not surprisingly, has a slightly different view of the statistics. Individual health insurance works differently. It generally can’t be terminated just because you use it, but you can be turned down in the first place if you do not pass health underwriting; you can be rated up if you have a history of illness or obesity, and your premiums can be and often are increased if you suddenly have a major illness. Individual health insurance covers different types of injuries, as well. An active lifestyle increases the risk of accidental injuries, and repairing broken bones can become very expensive.
Individual health insurance is State specific. Each State has slightly different laws and regulations governing the implementation of private individual health insurance.
Hospitalization, medicines, doctor fees can be very high, and if the patient cannot get a suitable insurance cover, it is very difficult. Health insurance can be a tough battle for cancer patients. Hospitals have an extraordinary ability to save a life, and without health insurance, you could be medically saved but financially ruined. Hospital cash plans are a form of medical insurance that takes care of everyday medical costs. Many will pay for dental or optical treatment up to a set limit every year; physiotherapy; specialist consultations etc.
Comparison of your options: To find affordable health insurance, you must have an idea of all. What is available in the market? After you have shopped enough, get hold of a broker who can help you compare the policies. Comparing health insurance is a case of finding the right health insurance provider to cover your particular circumstances and comparing the types of the policy provided by each health insurer.
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COBRA, short of Consolidated Omnibus Budget Reconciliation Act, came into being in 1985, and it is also a low-cost health insurance option for short-term coverage up to 18 months. It’s great for transition periods such as school-age children, widowed spouses, divorced couples, and other situations where you may have been covered by employee programs previously. COBRA has an 18-month limit, or 36 months if you’re permanently disabled. Most people are under the impression that COBRA is expensive, or that it’s better to stay with a plan they know.
Again, depending on where you live, requirements may be stringent. However, it wouldn’t hurt to see if you or your family qualifies. Ask around to find out about the different agents and their policies. Many agents will work very hard to get you an affordable health insurance plan for your family at a cost you can live with. Ask if the agent will be available for phone calls, and if he or she will make phone calls on your behalf if you have questions in the future. Ask your agent to be sure
Dozens infected after BC hockey team brings COVID-19 back from Alberta | Offside – Daily Hive
A recent trip to Alberta had unintended consequences for an adult hockey team from British Columbia.
BC Provincial Health Officer Dr. Bonnie Henry highlighted what she called “another cautionary tale” during her media briefing today, as the province reported another 834 new COVID-19 cases. Alberta, by contrast, reported more than double that number today.
“We know that there are sports teams in BC that have travelled to other provinces despite the restrictions that we’ve put in place,” said Henry.
“There’s a hockey team in the interior that travelled to Alberta and has come back and now there are dozens of people who are infected, and it has spread in the community,” said Dr. Henry. “We need to stop right now to protect our communities and our families, and our health care workers. This is avoidable and these are the measures that we need to take.”
While adult hockey was allowed to continue, this team was in clear defiance of the provincial health order, which bans “travel for teams outside of their community.” Dr. Henry said the players who contracted the virus in Alberta have since spread it to their family members, workplaces, and community upon return to BC.
“Making an exception for yourself, or for your team, or for your recreational needs puts a crack in our wall and we see that this virus can exploit that very easily,” she said.
While adult hockey was allowed in the most recent health order, it appears that will be changing very soon.
“We are putting additional restrictions on adult team sports indoors as we are recognizing that these are indeed higher risk activities as well. What we will be focusing on is structured programs or sport for children and youth, recognizing how important those are for our young people.”
Dr. Henry said there have been “several incidents that are similar to this,” and as such, she didn’t want to give away which specific region they came from or where they travelled to.
“I’m asking in the strongest of terms, to stay put,” she said. “To stay in our communities and to protect our communities.”
Origin of Revelstoke cluster unknown, but some visitors did test positive for COVID-19 – BC News – Castanet.net
Interior Health has not been able to identify how a large cluster of COVID-19 cases were introduced to the community of Revelstoke, however, the region’s chief medical health officer admits some non-residents have tested positive for the virus.
During a Zoom press conference Wednesday afternoon, Dr. Albert de Villiers said a “patient zero” has not been identified, despite Premier John Horgan stating earlier in the day that the cluster was caused by people travelling for recreation.
“What we can say with the numbers that we have seen that, yes, there are some people that are not residents in Revelstoke that sadly are infected as well,” said Dr. de Villiers.
“But having said that, we have also seen there is no one specific incident that led to the bigger number of cases. There are some that have been household clusters, some people picked it up when they went to a worksite, some people may have gone to a private function. There are rumours out there we haven’t been able to substantiate that someone went to a hot spring somewhere.
“I think there are different pieces of this. It’s not just one person that travelled in and caused all of this, I don’t think it’s as simple as that.”
Dr. de Villiers says people travelling in from other communities has been a factor in cases in other communities, which is why, he says, part of the provincial recommendations are for people not to travel outside their community if they don’t absolutely have to.
“Sadly, skiing is not essential to most people,” he said. “For recreation purposes, try to stick to your own community and stick to your own ski hill.”
Dr. de Villiers also addressed an online post out of Revelstoke where an individual asked to be infected with the virus so he could become immune.
He says they’ve seen it before with chicken pox and the measles, but it’s a bad idea with COVID-19 because people don’t know how they’ll react.
“Most people will have a relatively mild form of the disease…but there are people, relatively healthy people, that can develop complications. We’ve had people throughout Canada of all ages that have passed away,” he said.
“I don’t think we want to put people at risk unnecessarily.”
The doctor also explained why it took two weeks for IH to publicly disclose the cluster in Revelstoke.
He says over a two-week period there were only 10 cases, one every day or second day, which isn’t abnormal within communities.
“But, all of a sudden in one day, there were 12 more cases,” he said. “That’s why when we did announce it, it was 22, because there was one day that had more than usual.”
He said they do expect cases to pop up in communities, but the large one-day jump was reason to believe there may have been an issue.
Family seeking COVID is “playing with a loaded gun” in B.C. city, mayor speaks out – CTV News Vancouver
The mayor of Revelstoke is appalled at a family rumoured to be trying to contract COVID-19 to “build their natural immunity” at a time when his city is discouraging visitors and grappling with a slew of active coronavirus cases.
Revelstoke has 32 active COVID-19 infections and a population of only 13,500 people, which is more than double the active cases per capita than in the Vancouver Coastal Health region, said Revelstoke Mayor Gary Sulz.
“We’ve become a little complacent because we haven’t seen this through the community in a big way over the last eight months so what we’re saying now is ‘it’s here, it’s not just those who are travelling in who are bringing this in, it’s here in our community,’” he said.
Sulz said residents need to be more vigilant.
“It’s our locals who are not being vigilant who are spreading it so we need to make sure that everyone does follow the rules.”
The mayor also raised serious concerns about a family rumoured to be seeking out people who’ve tested positive in the community so that they can become infected, reminiscent of ‘chicken pox parties’ among kids before a reliable vaccine was developed.
“We are a healthy family and we would like to safely expose ourselves to the virus to build our natural immunity,” reads the ad posted to a local Craigslist-style website.
The post was removed before CTV News could attempt to contact the family.
The post ends with a plea for “no hate mail.”
“You’re playing with a loaded gun,” warned Sulz.
“We don’t know what this disease can do, whether it’s an older person, younger person, someone who’s in their 30s and 40s. Because people feel they may be in good health doesn’t mean you should go out seeking this because it can have different effects for everyone. That, for me, is very concerning.”
While there were several cases in the United States of people trying to get COVID-19, scientists have repeatedly stressed that they don’t know whether contracting the virus will guarantee immunity and prevent a second infection.
Interior Health cases rising sharply
While Vancouver Coastal Health has brought down its active caseload per capita in the past week and Fraser Health has seen a smaller increase than before, cases in Interior Health have nearly doubled in that time.
Last week a CTV News analysis found there were 37 active cases for every 100,000 people who live in the Interior Health region. However, current data as of Dec. 1, shows there are now 65 cases per 100,000. Fraser Health has grown from 301 to 337 cases per 100,000 people, while Vancouver Coastal Health has dropped from 116 to 111 per 100,000.
In Revelstoke, where the exact number of residents is up to debate as the city claims double the number of inhabitants than the federal census, CTV’s analysis was based on the city’s declared total of 13,500, which puts their active cases at about 237 per 100,000.
That has the mayor pleading with those who think it’s safe to visit over the holidays to simply stay away.
“Snowmobiling, skiing, that’s the ultimate physical distancing but it is when you gather afterwards (that the virus is spreading),” he said. “We’re finding that COVID is spreading because of social gathering so we’re basically saying to people ‘avoid that the best that you can, stay in your own family bubble’.
Revelstoke has only 13 beds in its hospital, with two additional rooms for ventilators. While there aren’t any coronavirus patients there now, the mayor fears the mountain city will soon see its first COVID-19 deaths.
“There isn’t any leeway,” said Sulz bluntly. “If it gets into our hospital or seniors centre or something like that, it’s going to be devastating for this community.”
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