Author: Sayan Dutta

If you are an employee or an employer, you may have heard of the term semi-monthly pay schedule. But what does it mean and how does it affect your health insurance? In this article, we will explain what semi-monthly means, how it differs from bi-weekly pay, and what are the pros and cons of each pay schedule. We will also discuss how semi-monthly pay affects your insurance premiums and billing. Explaining Semi-Monthly and Bi-Weekly Pay Schedules A pay schedule is the frequency at which employees receive their wages. There are different types of pay schedules, such as weekly, bi-weekly, semi-monthly,…

Yes, you can sue a health insurance company for negligence. However, it is important to note that these lawsuits can be complex and difficult to win. In order to succeed, you will need to prove that the insurance company owed you a duty of care, breached that duty, and that their breach caused you to suffer damages. Elements of Negligence in Health Insurance Cases To prove negligence in a health insurance case, you need to establish four elements: Duty of care: This means that the insurance company had a legal obligation to act in a certain way towards you, such…

No, a spouse cannot cancel health insurance before divorce in California. Once a divorce petition is filed, automatic temporary restraining orders (ATROS) go into effect. These orders prevent either spouse from making any major changes to their finances or property without the other spouse’s consent or a court order. This includes canceling health insurance. If a spouse attempts to cancel their spouse’s health insurance while a divorce is pending, the other spouse can file a motion for contempt of court. If the court finds that the spouse violated the ATROS, they may be ordered to pay fines, attorney’s fees, or…

The type of health insurance that is notoriously a poor value is a short-term health insurance plan. Short-term health insurance plans are designed to be temporary, and they typically have very limited coverage. For example, they may not cover pre-existing conditions, and they may have high deductibles and copays. Short-term health insurance plans may also have exclusions for certain types of care, such as mental health care and maternity care. Short-term health insurance plans can be appealing to people who are unemployed or between jobs, or who are waiting for their employer-sponsored health insurance to start. However, it is important…

Yes, an employer can waive the health insurance waiting period for some or all employees, but there are some important factors to consider before doing so. A waiting period is the time between when an employee becomes eligible for health insurance and when the coverage actually begins. It is usually a way to reduce costs and prevent abuse of the plan by people who only enroll when they need medical care. However, waiving a waiting period can also have some benefits, such as attracting and retaining talent, improving employee satisfaction, and avoiding gaps in coverage. Understanding Health Insurance Waiting Periods…

Insurance is considered a service since the insurer and insured have a long-term connection. Insurers handle claims and financial aid. Since insurance is a contract, the insurer must keep its obligations to the insured. Another reason why insurance is often viewed as a service is that it is intangible. You cannot see or touch an insurance policy, but it does have value because it provides protection from financial losses. In this way, insurance is similar to other services such as financial advice, legal services, and healthcare. Of course, insurance can also be considered a product because it is a financial…

Franciscan Health accepts a wide range of insurance plans, including: Commercial insurance plans, such as Aetna, Anthem, Blue Cross Blue Shield, Cigna, Humana, UnitedHealthcare, and many more. Medicare and Medicare Advantage plans. Medicaid. Tricare. Veterans Affairs (VA) benefits. Overview of Franciscan Health Franciscan Health was established in 1876 by the Sisters of Perpetual Adoration. Over 18,000 workers and 3,000 doctors make it one of the Midwest’s major Catholic health systems. Many services are offered by Franciscan Health: Hospitals: Franciscan Health operates 12 hospitals in Indiana, Illinois, and Michigan, offering acute care, emergency care, surgical care, maternity care, pediatric care, behavioral…

Snowbirds are people who migrate from colder regions to warmer ones during the winter season. They may be retirees, remote workers, or seasonal travelers who enjoy spending time in different climates. However, one of the challenges that snowbirds face is how to handle their health insurance when they are away from their home state or country. This article will explain the unique health insurance needs of snowbirds, the options they have for coverage, and some tips for choosing the best plan for their situation. Understanding Snowbird’s Unique Health Insurance Needs Snowbirds need to consider how they will access medical care…

Not having health insurance can have serious consequences for your health, your finances, and your well-being. Without health insurance, you may face limited access to healthcare services, high out-of-pocket costs, increased risk of medical debt and bankruptcy, and potential tax penalties. Fortunately, there are some alternatives for obtaining affordable health insurance that can help you avoid these negative outcomes. Key Facts Some of the key facts about the uninsured population are: Most uninsured persons come from low-income households with workers. Children are less likely to be uninsured than adults, particularly those 19–64. Asians have the lowest uninsured rate, while individuals…

If you have an Oscar health insurance plan and you want to cancel it, you may be wondering how to do it. Canceling your Oscar health insurance is not difficult, but there are some important factors to consider before you make your decision. In this article, we will explain the steps to cancel your Oscar health insurance and the things you should know before you do so. Steps to Cancel Your Oscar Health Insurance To cancel your Oscar health insurance, you need to follow these steps: Call customer service. The first step is to call the Oscar customer service number…