Finding the Right Health Insurance for Children and Students

Both children and students require health insurance coverage. Finding the right plan for your child can be a tedious, but not impossible process if you have some help.Health Insurance for ChildrenThe State Children’s Health Insurance Program (SCHIP), which is a plan called Title XXI, was passed by Congress in 1997. SCHIP was approved in order to deal with the growing number of children in the United States who did not have any kind of health insurance. The incomes of many American families were high enough that they wouldn’t get approved for Medicaid. However, their incomes still weren’t that large to enable them to afford private health insurance policies for their children. With the SCHIP coverage, a family is charged only 5% of their gross income. Many are even able to receive it free of cost.The policies for health insurance plans for children differ from one state to another. However, all states are mandated to provide coverage for a minimum healthy baby and healthy child physicals, immunizations and emergency services that a child may need in the future.If you already have a health insurance policy for your child, be it under your group insurance plan or any other insurance plan you have, your child does not qualify for the state’s coverage.Do some research if you discover that your children are not eligible for state coverage. Oftentimes it may be more economical if you get a policy that covers your entire family. It is certainly better than having each of your children covered by individual policies. However, you can go for an individual policy if you only have one child.Health Insurance for StudentsMost universities have a health care clinic where students can go for minor ailments. However, you cannot, and shouldn’t, rely solely on university and school owned clinics to take care of your child’s health and well-being. You need to get a health insurance plan for your child that will cover any emergencies and surgeries.As a student, your child has several options for health insurance coverage. The best option is to have your child covered by your policy. Most family group heath insurance plans will provide coverage for your child as long as he or she is attending school and is actively enrolled. Ask your insurance agent if any changes need to be made on your policy with regards to your child’s health insurance coverage, and if this is possible at all.If you need an individual student health insurance policy for your child, there are many choices available to you. However, be careful in choosing the policy. Conduct some due diligence on your part by researching, gathering information and comparing policies. Exactly what kind of coverage do you need? What’s the maximum amount of coverage do you need? What about the deductibles? Don’t hesitate to ask questions whenever you have some doubts or you don’t understand something. Get to know what an insurance health company will cover and what it won’t cover for your child. If you are sending your child to school in another country, ask if you need to pay extra for the period your child is overseas. Investigate and carefully choose a policy to ensure that your child’s college life won’t be riddled with problems when it comes to their health insurance.

Top 5 Health Insurance Myths

Health insurance can be a tricky subject, particularly when you’re talking about individual health insurance, and understandably so. The Government is constantly changing the rules of the game, and most people are on company policies that offer limited to no plan options or flexibility. Therefore, people often don’t see the need to understand their insurance plans and options available to them. However, this is certainly not the case. Like anything else, the more you understand the better off you are and the more money you can save. With that in mind, we’ll take a look at the top 5 most misunderstood health insurance topics.Different brokers have different prices?A broker is going to charge me more by adding a commission, right?Wrong! Many people believe that health insurance brokers have the ability to negotiate on price, or offer cheaper prices than the competition. This is not the case! Health insurance policy premiums (prices) are regulated by each state, and are the same across the board. However, different brokers may be able to find alternative plans, or carriers that are less expensive. For example, broker A may quote you on a PPO plan from insurance carrier X. However, broker B may quote you on an HMO plan for insurance carrier Y. Broker A’s plan will be considerably different than broker B’s plan. The trick is to find a broker that quotes multiple insurance carriers and is well versed in each carrier’s plans. You can filter out the inexperienced brokers by looking at their websites and seeing how many carriers they offer. Then when speaking to the broker ask them how many different carriers and plans they quote.Group health insurance plans are better, right?Individual and group plans both have their respective positive and negative aspects. But if your company offers a group health insurance plan, that is the best option right? Well, maybe, but probably not. Here’s why:Group health insurance plans often are more expensive if the company or group sponsor is not paying a major portion. This is due to the ever increasing costs of group plans and the dramatic effect an unhealthy person in your company can have on the group’s premiums. Say for example your company has 500 employees, if one of those employees gets dramatically ill, this will increase the premiums for the remaining 499 employees due to increased costs. But when the law of large numbers comes into play, as with individual policies, your group of individual policy holders is much larger, which allows the costs to be spread out and decreased on an individual basis.Also, with group plans, if you get sick while in the group and decide to leave the company, there’s a good chance you will have a very difficult time finding a provider to cover you. However, with individual plans there is no need to worry about losing the policy due to job loss, and individual plan benefits and coverage cannot be cut or dropped.Lastly, group plans are limited to what your company is offering in regards to carriers and types of plans like HMO and PPO. If you get an individual plan, you have the flexibility to shop around as much as you please. This allows great flexibility and customization.Individual policies are cancelable?If I purchase an individual health insurance policy and get sick, the provider can simply cancel, right?Individual/family policies must be guaranteed renewable. The only ways you can lose your individual/family policy is if you do not pay your premium or if the insurance company goes bankrupt. As long as the insurer’s financial stability is rated at least A (or Excellent) by A.M. Best or one of the other independent insurance company rating agencies, then bankruptcy is unlikely. However, plans that are not insurance such as medical discount programs or lump-sum payment critical illness plans are not regulated the same as individual health insurance.Premiums are too expensive on individual plans?Depending on your age and health, individual health insurance plans with good benefits are often under $100 per month. However, if you are getting quotes which are more than you can afford, try raising the deductible or the maximum out-of-pocket cost a bit. This is an easy way to lower the monthly premium. Also, if you are working with a broker they may be able to gets quotes for alternative plans or lower cost carriers. Picking a good broker is always a smart move!I’m healthy, I don’t need health insuranceA friend of mine recently took a skiing trip to Big Bear ski resort in Southern California. She took a fall and broke her forearm in three places, and ended up with a hospital bill near $30,000. Health insurance is a must for everyone, even you. The best time to get coverage is when you are healthy. This is because you have your choice of carriers and plans while being able to lock in a good rate.

Education Background Checks: What Employers Wants to Know About Your Education?

More than 100 million education background checks are performed each year by employers around the globe using third party education verification and background search companies. This is a huge figure which reveals that education is the most prominent factor in deciding an applicant’s future.Employers invest a lot of time and money in hiring and training new employees. As a result, they want to find out as much information as possible before committing to hiring an individual. Often, former employers and supervisors can provide most helpful information about a candidate and it contributes a lot in a current hiring company decision making.But the problem is that many employers are reluctant to provide detailed references for former employees for fear of legal repercussions. Actually there is a defining line which can make an employer less reliable on reference checks and that is, education background check.As education is considered to be the foremost factor of selecting a candidate for an appropriate position, it is also considered to be defining factor for an employer to rely on a candidate if his or her education is legitimate, as it has found in many cases that job applicants forge resumes by mentioning wrong dates of attending the school, and as the higher qualifications are becoming the criteria, many job candidates use forged or fake degrees to get the job.These issues are very common these days, but they can be handled accurately by using education background checks services by professional education verification providers. Education verification is a very sensitive matter as well, because forged or fake degrees cannot be detected until it is verified and checked by a professional education background checks professional.Primary source verification method is considered to be the best education background checks criteria used which ensures the accuracy and authentication of the provided transcripts/degrees/certifications or any other educational document of a prospective job candidate.5 Things Every Employer wants to know about an Employee’s Education:
Any employer verifying education of a prospective candidate always want to know the schooling details, which university or school they have passed, what are the ratings of the university.
Employers checks the accreditation of the university or school from where the degrees are obtained, because there are many universities reported which are not accredited from higher education boards of the country and also alleged in producing bogus degrees.
Employers want to know the degree/diploma/certification authentication by checking the attending dates of the school and by referencing through the teachers and degree issuing authorities.
Employer’s wants to look into diploma mills directories as well to find out if the degree is obtained from such malicious business.
Employer’s verify the attestation details as well to get know that whether your credentials are attested by a right person, who is eligible to attest a document or not. This can also testify fake attestation threat.
Conclusion:Regarding education background checks, often a deceptive applicant with a computer and printer technology skills can create realistic-looking diplomas. Because of the large number of applicants who make false educational claims, it is strongly recommended that an Education Verification must be performed when a degree or certification is required for a given position. Education background checks is also valuable honesty check, while helping to protect an employer against negligent hiring claims and its a must.