Health Insurance Law

Health care and related insurance are essential to life in the United States. Protecting your rights and ensuring coverage through health care insurance will relieve the financial pressure of facing expensive medical expenses.

Understanding your rights as a patient, health care privacy, and medical programs like Medicaid and Medicaid are all part of the health care law. Exploring private, public, and employer-sponsored health plans can be confusing. A health care attorney can make sure your rights are protected.

Learn more about health care laws and related insurance and programs available to US citizens. You will also find online resources for the various programs listed below.

Government agencies and programs
The federal and state governments offer a variety of health care and insurance benefits. Here are some of the top health care and insurance agencies and programs.

Pursuant to the Consolidated Omnibus Budget Reconciliation Act (COBRA), employers must provide the employee with continuous group health coverage for a limited time after employment ends.

COBRA applies to state or local government or private employers with 20 or more employees offering group health plans. COBRA coverage lasts a maximum of 18 to 36 months from the date of the qualifying event (that is, termination of employment).

Comparison between Medicare and Medicaid
Medicare is a series of federal health assistance programs available to people of retirement age, disabled, and other qualifying conditions. Medicaid provides federal health coverage to low-income people who cannot afford health insurance or health care.

There are several differences between Medicare and Medicaid, although you will likely be able to receive benefits from both programs. Differences:

· Medicare is administered at the federal level, so the eligibility requirements and benefits are more standard than those for Medicaid. Medicaid is administered at the local level, so its offerings and requirements are varied.

· Medicare is available to all eligible individuals who have contributed to the program, over time, by paying payroll taxes. Medicaid does not require beneficiaries to pay for services but is only available to people with low incomes.

· Medicaid can be flexible in its benefits, while Medicare has a defined plan structure that covers only certain benefits.

Health insurance
Health insurance is a type of contract with a private or public provider that promises to administer benefits in exchange for financial compensation (premium).

An insurance attorney can help you ensure compliance with the contract. The attorney can also protect the consumer in the event of contractual discrepancies in payments, qualifications, or receipt of benefits.

Insurance law encompasses regulations on insurance, claims, rates, and policies, and is generally divided into three categories of regulations:

The regulation of the insurance business, which includes the policies and ethics of insurance companies.
The regulation of the content of the policies, such as the language used in the policy and what can or cannot be written in the insurance policies.
Regulation of how companies handle insurance-related claims, such as rules and protocol as to who handles what and how.
These are the four most common types of insurance:

Health insurance covers almost everything you may need for medical purposes, such as hospital services, prescription drugs, therapy, and even dental and vision products and services. You can buy health insurance from private providers, enroll in a federal or state program, or accept health insurance offered by an employer group health plans. Most health insurance programs require beneficiaries to pay premiums and copayments before the insurance pays for medical supplies and services.
Life insurance allows people to secure the financial future of their family in the event of the insured’s death. The insured pays a monthly or annual premium over a period of time. When you die, if you do, a specific amount is paid to the beneficiaries named in the insurance contract.
Auto insurance covers damages and injuries to both the insured and the other party who was involved in the car accident. Auto insurance serves to supplement the costs of medical care before health insurance begins to pay. People with auto insurance are assisted by insurance and are protected from the other party’s personal injury and medical costs.
Homeowner’s insurance allows you to pay for non-resident medical costs that cause personal injury sustained on the owner’s property. Owners are responsible for injuries suffered by a visitor (non-resident) on the property, which is why the owner’s insurance helps pay for all or part of the medical expenses that the visitor claims. Residents or owners who are injured on the insurance holder’s property are not covered by the owner’s insurance.
Social Security disability insurance
Social Security Disability Insurance (SSDI) is a federal program that offers financial benefits to people with disabilities. Like Medicare, eligible individuals pay Social Security through payroll deductions, which are then withdrawn to fund SSDI benefits.

To qualify for SSDI benefits, the insured must (1) have worked and paid Social Security taxes and (2) have a medical condition defined as a disability by Social Security.

Applying for SSDI can be complicated and requires a lot of documentation. If your application is denied, you can appeal for Social Security to review it and attach a note explaining why you or your loved one qualify for SSDI benefits. SSDI attorneys specialize in the application process and fighting to obtain benefits for their clients.

Get legal help
Health care and insurance laws and regulations are inherently complex. It can be frustrating and time-consuming to have your application for insurance or health care turned down and you don’t know why you didn’t qualify. Consult qualified health care and insurance attorney to make purchasing and applying for a plan or program easy for you and to protect your rights to obtain benefits.

Speak with a qualified health insurance attorney today
This article is intended to be helpful and informative, but legal matters can be complicated and stressful. A qualified health insurance attorney can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local health insurance attorney to discuss your unique legal situation.