Finding low cost health insurance in the Commonwealth of Virginia does not mean you have to be eligible for a group health insurance plan through your employer, nor does it mean you have to qualify for Medicaid or state-sponsored health care services. Virginia residents in search of affordable health care can purchase individual health insurance plans.Because individual health insurance plans can be expensive – which isn’t exactly the equivalent of “low cost” – you want to make sure you are getting exactly your money’s worth. Take these tips into consideration when shopping for an individual health insurance plan in the Commonwealth of Virginia:o Make sure the health carriers and insurance agents selling individual health insurance policies are licensed to sell health insurance in Virginia – if you purchase health insurance from a company or agent not licensed to do business in Virginia, you will find it difficult to obtain protection against fraud.o Don’t lie and don’t risk it. If you know a particular health insurance company won’t insure you because of a pre-existing medical condition, don’t lie about that condition in order to get low cost health insurance. You’ll only be cheating yourself, because you still won’t have coverage for the health issue. Wouldn’t you rather feel safe in knowing you’re covered should complications arise?o Don’t give up. If one health insurance company denies you medical coverage, move on to the next company. Each individual health insurance company follows different standards and criteria for offering health insurance – whatever the price. Just because you are not eligible for one company’s policy does not mean you will not be eligible for another company’s policy.Many people cringe when they think about purchasing an individual health insurance policy; however, by shopping around and being honest with several different health carriers and insurance agents in the Commonwealth of Virginia, you will find the low cost health insurance plan that is right for you.
So, you’ve decided you need a new health insurance policy. Maybe your rates have gone up again, or they denied another claim. Either way, you have just embarked on one of the most overwhelming tasks imaginable. And you may not even know it yet. You’re about to find out the hard way. The homework you will now have to undergo will certainly, confuse you, wear you down, and you will probably, like most people, just give up and choose a plan that seems the best or has the lowest rate. It’s OK, because you’ll be shopping again in another year or two when this new company does it to you again. Sometimes I think that they design their marketing brochures to be confusing on purpose. There are so many health insurance carriers offering so many different types of coverage. No two carriers offer their plan comparisons in the same format, so how can you really do an apples to apples comparison? All you ever get is a nice color brochure with pictures of happy people with all this insurance language outlining the provisions. How do you know you’re getting the whole truth? What important exclusions are they leaving out for you to find after the claim has been made? They know it’s too late then. What do you do? How do you choose the right policy? It seems that there are more questions than answers when it comes to searching for a new health insurance policy. Maybe I can help.First let’s start with the type of insurance that you need. Notice that I didn’t say the type that you want. Most people just buy the same type of insurance that they have always had just because it is familiar, and they know how it works, or that is the only type of policy that they know is out there. They don’t know what they need; just what they think they want. Many insurance agents and brokers will gladly just sell you what you ask for instead of finding out what you really need.There are two types of insured’s coverage: group and individual. If you have ever have been employed by a large or small company you are probably familiar with group coverage. They have to take you regardless of any of your pre-existing health conditions. It will also normally give you low copays for Doctor visits and Prescriptions. This gives you the warm fuzzy feeling you have always wanted when you look for health insurance. The employer will normally pay 50% or more of the monthly premium for you, but this still leaves you with a sizable monthly rate that you never see because they take it automatically every other week out of your paycheck. It’s just like they do with your taxes, but there isn’t a refund. Group plans can also be purchased for small groups all the way down to one sole proprietor business owner. So, if you have owned a small business in your state for at least one year you may be eligible for what they call a business group of one plan. All group plans tend to run about twice the price of individual coverage. So why would you want one? Because they offer more coverage and are available guaranteed issue no matter what you health is like. For people who have major illnesses, they may be the only coverage they can get. Since the insurance company MUST insure them, they are going to charge much more to do so. The insurance companies have a high risk pool, much like they do in auto insurance, that offers state Basic and State Standard coverages. These coverages are (you guessed it) set up by your state, so no matter which company you choose; they must all be exactly the same. There are limitations (open enrollment periods) to when you can enroll in one of these plans as well.Individual insurance policies are purchased under the individual’s name. They are underwritten according to their past and current health, and their proposed future health needs. This seems a bit unfair, but if you think of it from a business point of view it makes sense. The insurance company is in business just like any other company. They are trying to make the greatest profits that they can. They do this by eliminating having to pay for claims anywhere they can find. They do this by adding riders, exclusions, limitations, rate ups and declining coverage altogether. They only want to ensure the healthiest people who will not make any claims and quietly pay their monthly premiums year after year. It makes financial sense to them, but doesn’t seem fair to us. Most people buy insurance thinking it will help them with unknown future health expenses AND for those current expenses that they may have. It is not uncommon for an insurance company to rider a condition (to exclude that condition from coverage, and not pay any claims relating to it) for a period of 2 years or indefinitely. Sometimes they will even decline the coverage to that person completely, but still want to insure the rest of their family.If you have been denied coverage from an insurance carrier, don’t give up. You may still have a chance. You could either appeal their decision with additional information on the denied condition, or you could apply with you state’s insurance coverage. Yes, each state also has a state offered insurance coverage to people who have major medical conditions and have been denied by an insurance carrier. Shop online for the Division of Insurance in your state to get more information. It is normally only a major medical plan (one that only covers inpatient services, or has a large – $2500 deductible before it pays anything). Some will cover your doctor visits and prescriptions after the deductible. I warn you, they’re not cheep either. Your best bet is to only insure the one person with the medical condition on the state plan and insure the rest of your family on a health qualifying coverage. You’ll probably end up paying less overall that way and get better coverage too.There is too much industry information to cover in just one short article. I discuss the benefits and drawbacks a few different types of insurance companies like; HMO, PPO, and EPO, and from the different coverages such as; Major Medical, Copay, and Health Savings Accounts in other articles that I have written.
The area of higher education is remarkably vast, having a variety of constituents, less or more contributive in nature. Also, like every other part of the social structure, good and bad lie in equilibrium there. Since corruption has radically made it to every sector of our society, there remain all the chances for a sensitive area like education to get affected, no exception.College managements (private ones, especially) are too big bodies to get stormed away in the fury of corruption. In fact, they need to move with the flow and become a part of corruption in one way or the other. Every now and then, however, the delicate air of the area of higher education can be seen turning out to be insecure for students. Pity!There is nothing complex in understanding that the weaker unit is always dominated in every social relationship, which students here in this case are. If anything adverse has to happen because of whatever irrational corruption carries along, that will happen to students. Not everyone thinks such thinking is thoughtful, though.Where the idea of some legal body’s control over higher education institutes comes is the intellectual section of our society. Well educated intellectual people actually care for students, their future and career. They suggest that if there is a body required to govern institutes imparting higher education, it should be government itself. This they believe is the best way to make the control as pure and authentic as it ultimately can be.Unlike that, those who deny this concept, strongly argue that government’s control on higher education can’t necessarily be transparent and corruption-free. This is exactly when a rich-in-contradiction narrative (always varying from person to person, obviously) of why there should or/and shouldn’t be some decree system to control higher education in India can be felt flowing around. Is Government’s Control Actually Required?In December 2010, the All India Council for Technical Education (AICTE) issued its notification with a new set of rules for B-schools. It included instructions to finish MBA entrance exams such as XAT, ATMA and MICAT. It also stated that only MAT and CAT or exams conducted by any state government will be main means of admission in B-schools.Furthermore, the circular implemented fee related regulations wherein B-schools were denied right to set fee according to their own structure. Also, because of the changes that were introduced, now higher education institutes need to admit students only through a state government controlled process. This is how government has managed to regulate higher education institutes. Though any policy implemented by government can’t be challenged, still common man willing to react on such rules and regulations (to prove them right or wrong in this way?) can’t be ignored. Everything governments do, after all, is for common man.Mass Reaction – Consensus or Disagreement?To a reasonable extent, having a regulatory body comprising of an excellent regulatory mechanism to tame higher education institutes is essential. Imparting education to young minds, future pillars of a country, after all, is a task full of responsibility. Then anybody opening up an institute in a residence-like accommodation doesn’t make sense. The worse, they charge enormous fees and provide students with almost negligible facilities and education in this way becomes more of a profit-making thing.As suggests our original education policy, education can’t be for profit and should be for all, irrespective of which class or caste one belongs to. To make this actually happen, we need a regulatory mechanism in place. Also, this is only through government’s control that we can put a check on low grade and unrecognized educational organizations.At the same time though, imposing too much regulations is like challenging liberalization. We need to keep in mind that it was economic liberalization which helped India emerge as the fastest growing economy in the world. We can’t, again, set excess of rules and regulations for higher education institutes as they promote innovation. Generally, we don’t see government schools and colleges coming up with new curricula that lead to innovation among students. And when private institutes of higher education want to design and implement new course structure, we deny it in order to defend the rules prevailing for long back. This can’t be called fair, no.All in all, and for the most part, there is a common belief among us that governments should concentrate on tightening the reins of unrecognized institutes making back-door entries. And if our government, instead, interferes in how established and recognized centres of higher education function, it is completely unfair. Then why do it when nothing worthwhile is going to come out of it?