If you want to obtain more savings throughout your serious illness or injuries then you should get a major medical insurance Indiana. This is a great opportunity if you want to avoid bankruptcy due to the huge medical costs. The new health law aims in fighting AIDS. Two of the greatest problems of the United States are how to let HIV patients stay in their treatments and how to look for HIV positive patients who are not yet treated. According to AIDS activists and policy experts, the solution to this problem can be found in the health reform law specifically in the Medicaid expansion program.

According to the Centers for Disease Control and Prevention, out of the 1.1 million Americans who were diagnosed with HIV, the ratio for patients who are not diagnosed yet is 1 in 5 and there are 62% who have already obtained proper care. The 41% of these patients are keeping up with their treatments, while 28% are treated efficiently so that the virus in the blood will be eliminated. According to the chairwoman of the Presidential Advisory Council on AIDS, this indication is not good enough when in fact there can be a lot of things that can be done. The key is to search for more people who are not yet treated and provide them the best care that they need. We should figure out how we can keep these patients on their treatment.

One of the major reasons why people with AIDS do not go to the doctor is because of financial difficulties. If they continue being untreated then their illness may get worse. Obtaining major medical insurance Indiana can secure your health. Get your quotes now at http://acceptableanswers.com. If you need help in making a decision then you can call our agents at (888) 355-7129.

Indiana health insurance quote can generally affect the lives of most people especially for those who need special care. The Affordable Care Act is mandating everyone of obtain health coverage in 2014. Most of the people that can be affected by this provision are those which do not have any kind of insurance coverage. Employers will also be facing penalties if they fail to provide health coverage to their employees. Business owners which have 50 or more workers are obliged to offer coverage to workers. Insurance companies will no longer deny coverage to those persons who have pre-existing conditions.

Individuals and families who do not have any health coverage will have to pay a penalty. This penalty will be collected every year along with the income tax. The Obama administration and the Democrats do not want to use the word tax. Instead, they want to call it as a penalty for failing to become responsible citizens. The law is considered as constitutional under the power of the federal government to impose taxes.
The law also includes new tax programs. For example, couples who are earning more than $250,000 and individual who are earning more than $200,000 will obtain new payroll taxes. Manufacturers for medical devices will also be paying 2.3% on their excise tax. According to Republican presidential candidate Mitt Romney, Obamacare is a bad law yesterday and today. But according to Obama, the new law prohibits anyone from being financially destroyed due to accident or illness. He further stated that this is a great victory to all the people around the country because their lives will now be more secured due to this law.

To get your Indiana health insurance quote, you can visit http://acceptableanswers.com. If you need more help, you can always call our friendly and expert agents at (888) 355-7129.

President Barack Obama’s Affordable Care Act was upheld by the Supreme Court due to its 5-4 decision. Most Indiana Democrats are displaying their support for the decision of the Supreme Court, but there are some Republicans who want to repeal the law. So far, the new health care reform law is considered as one of the most controversial Indiana health insurance news. This law which will be fully implemented in 2014 can influence the medication and the health care of most Americans.

Some of the provisions from this new law include the prohibition of insurers to deny coverage to persons who have pre-existing conditions. The law will try to close the gap in the prescription drug coverage which is also known as the doughnut hole for all Medicare beneficiaries. Small businesses will be receiving tax credits so that they can offer coverage to their employees. The law also provides coverage to young adults by allowing them to stay on their parents’ health care policies until they become 26.

According to Gov. Mitch Daniel, this new health care law will create great implications to all Indiana residents. According to him, the decision of the Supreme Court to uphold the law must be respected by everyone. While the Democrats are rejoicing on the Supreme Court’s decision, the Republicans are also hinting that they will repeal the law. However, repealing the law can be quite hard because it requires majority Republicans in the Senate and the House of Representatives and of course from the White House. Repealing some portions of the law can be done by the elected officials. Most people who have already experienced serious illnesses know how unforeseen health care costs can generally affect families and most especially the economy. For more information about Indiana health insurance news, you can visit our website at http://acceptableanswers.com or call our agents at (888) 355-7129.

If you are nearing your retirement then you should check if you qualify for Indiana Medicare eligibility. This is very valuable to all the seniors especially those who have maintenance medications. The good news is older people will not be experiencing any increase in their medication cost for Medicare. According to health officials, Medicare beneficiaries who are part of the prescription drug benefits will not be seeing any increase in their premium costs.

The Department of Health and Human Service states that the low premium for prescription drug benefits can be attributed to the Affordable Care Act which is also known as Obamacare. The health care reform law also provides provisions which allow seniors to enjoy lower costs for their medications. HHS further stated that the low premium last year can be attributed to the wider use of generic drugs which is much cheaper as well as the increase in the competition.

The Part D benefits are voluntary and it can cover for the medications of the elderly and people who have disabilities. This is a separate type of insurance plan that can be purchased from private insurers. The coverage gap in this prescription benefits will be subsidized by the government. The health care reform law intends to close the gap in 2020. The coverage gap will be obtained by Medicare beneficiaries who are exceeding the limit of their annual spending. Due to the new health care law, seniors who are in the doughnut hole have already obtain a savings of more than $3.9 billion. That is why; more seniors and disabled persons are supporting the Affordable Care Act due to the tremendous savings that they can get. In order to know more about Indiana Medicare eligibility, you can visit us at http://acceptableanswers.com. For more information and details you can also contact our agents at (888) 355-7129.

In order to secure yourself and your family, you should consider purchasing Indiana major medical health insurance. This can help you in avoiding bankruptcy when sudden injuries or illness occurs. The federal government understands the importance to health coverage to the people that is why they implemented the new health care law. This new law has provided a lot of benefits to the Americans such as eliminating the co-payments of preventive services, keeping the young adults on their parents’ health policies until they reach 26 and making sure that children will not be denied coverage due to their pre-existing conditions. Lifetime limits are already removed on coverage and older people can get more savings from the newly improved benefits on Medicare prescription coverage.

Starting in 2014, all individuals are required to get their own health insurance or pay a certain penalty. Those who can’t afford to pay for their health coverage can get subsidies from the federal government if they qualify. Employers which will not provide coverage to their workers will be facing fines. Health exchanges will be created so that individuals and small businesses will find it easier to look for an affordable health insurance. Medicaid will be expanded in order to cover people who have low income. Insurers will no longer charge high rates or deny coverage to those people who have pre-existing conditions. Women will no longer be charged more than men. Some people are in favor of the Affordable Care Act while there are still others who dislike the individual insurance mandate. Most elderly Americans enjoy the savings that they get from the discounts on their medications. We can offer you the best quotes for Indiana major medical health insurance, just visit us at http://acceptableanswers.com. We also have friendly and expert agents that can help you in choosing the right plan. You can talk to our agents at (888) 355-7129.

Requesting Indiana Medicare quotes can be a great idea for seniors; especially those who are suffering from chronic illnesses. The new health care law can provide a lot of benefits such as buying cheaper medications for the elderly and obtaining preventive services without any co-payments. Aside from this it also gives free vaccines for kids. Patients who have pre-existing conditions can now be guaranteed with health insurance coverage. People are required to buy an insurance policy or pay a penalty beginning 2014.

The Supreme Court ruling of the new health care law generally affects every American. The new law will make sure that everyone can obtain coverage even if they are sick or they need expensive health care. Typically, it allows poor people as well as middle income people to pay for the affordable cost of their health coverage. All insurers are required by the law to provide the people with their basic benefits such as preventive services without worrying about the co-payments.

The Supreme Court has upheld most part of the law but the most controversial one is the requirement for health insurance for every American or pay a penalty. According to the court, this penalty is considered as a tax and the federal government has the right to impose it. However, the Medicaid expansion program was not enforced by the Supreme Court. This means that states can choose not to expand their Medicaid eligibility. The federal government will not deny their Medicaid allotment if ever they choose not to participate in the program.

According to the Republicans especially the GOP congressional candidates and the presidential Republican nominee Mitt Romney, they will repeal the law if they win in the November election. We can provide you numerous Indiana Medicare quotes; just go to our website at http://acceptableanswers.com. We are working with the most trusted insurance companies; you can also call us at (888) 355-7129.

The American states aren’t all in agreement when it comes to implementing the Patient Protection and Affordable Care Act which the U.S. Supreme Court upheld at the end of June 2012. The health care legislation was implemented in March of 2010 by President Obama, but two of its biggest components don’t fully take effect until January of 2014.

One of these aspects is the creation by the states of health care exchanges. These will be non-profit groups or government-agency operated private markets where people can find affordable health insurance plans.  The health care exchanges are designed to provide small businesses, individuals, and families with several certified health care options.

In theory, a health care exchange would be an ideal place for residents to find affordable Indiana individual health insurance. The federal government is expecting the states to create partnerships with the government or create health care exchanges. If a state doesn’t create an exchange then the residents will supposedly be able to access a federal health care exchange.

The health care reform also calls for Medicaid to be vastly expanded to help provide more services for low-income people and those who have certain disabilities. It’s been reported that families who earn up to 138 percent of the nation’s poverty rate will be provided with Medicaid.

According to the new law, if any of the states doesn’t expand their Medicaid programs they will be facing the loss of federal Medicaid funding. However, that provision was shot down by the Supreme Court which means states won’t lose out on funding if Medicaid programs aren’t expanded.

In Indiana, which sees approximately 14 per cent of the state’s population without health insurance, Governor Mitch Daniels, who is a Republican, said there hasn’t been a decision made on a healt care exchange. He said that more information is needed before the state can decide on a government-based exchange, such as how it will be funded and operated.

He said that expansion of Medicaid would see one in four residents or about 500,000 new people enroll in the program over the next 10 years and it would cost approximately $2 billion. Daniels said that a decision will likely be made regarding Medicaid expansion by the state’s next Legislature and governor.

In the meantime, Indiana individual health insurance can be bought from numerous health insurance providers in the state. If you’d like to find an affordable health plan and information on the choice of providers please contact us at Acceptable Answers by calling 1-888-355-7129 or visiting www.acceptableanswers.com.

Our licensed agents will be able to fill you in on all of the details of the new health reform laws as well as answer all of your questions regarding Indiana individual health insurance and an array of other insurance plans. We’ll evaluate your unique situation and recommend an insurance plan that fully suits your needs and budget.

Anthem of Indiana is also commonly known as Anthem Blue Cross and Blue Shield. Back in 2004 the company joined forces with WellPoint Health Networks and is now part of the WellPoint organization, which is one of the largest health insurance and benefits companies in the nation and is based in Indianapolis.

Anthem of Indiana provides residents with a variety of health insurance options as well as vision, Medicare, dental, and life insurance choices. You’ll also find that long-term care, disability, flexible spending accounts, and behavioral health benefit services are available.

The Anthem insurance business was first launched during the 1980s when it was known as a subsidiary of the American General Insurance company. It became a publicly-traded business in 2001 and it then merged together with Blue Cross Blue Shield three years later before merging with WellPoint just a few months after that. You’ll find that WellPoint still uses the Anthem Blue Cross and Blue Shield name in 11 states, with Indiana being one of them.

The company prides itself on offering a range of health and wellness programs for its members as well as its insurance plans. These are designed to help people and communities lead a healthy lifestyle. Some members are also provides with nursing hotlines 24 hours a day where they can access health care information from a trained medical professional.

Some of the company’s other popular programs include one that is aimed at future mothers who would like to speak to somebody about any pregnancy-related issues they could have. This allows the mothers to be to prepare properly for the birth of their children. In addition, Anthem of Indiana members will also be able to access health and well-being programs that can help them stop smoking, lose weight, and deal with any stress they may have.

For more information on Anthem and many other health insurance companies it’s recommended that you contact a licensed health insurance agency for free assistance and guidance. We’ll be glad to help you out in this regard and with any other insurance matter at Acceptable Answers. You can contact us by visiting our website at www.acceptableanswers.com or by calling toll-free at 1-888-355-7129.

You’ll receive personal and professional service as we help you choose a health plan that will fulfil your health care needs as well as your budget. We will present you with a wide array of health plans from the insurance companies of your choice and will explain how they differ and what they each offer in the way of health coverage and services.

You’ll know exactly what the health plan provides you with before applying for coverage. When you’ve made your choice we’ll help you fill in the application form and make sure everything is done to your satisfaction.

According to a tracking survey by the Commonwealth Fund, about one in four adult Americans went without health insurance for at least a period of time during 2011. The report said 26 per cent of those surveyed said they experienced a gap in their coverage and 41 per cent of those people had previously been covered by an employer-sponsored health plan.

When searching for health insurance Indiana you may be interested to know that many Americans said it’s quite difficult to locate affordable individual health insurance. The Commonwealth Fund stated that many of the people were without health insurance for at least a year and 57 per cent of them said they were uninsured for over two years.

The report also indicated that low-income families were more likely to go without insurance than families which have moderate or high incomes. Also, low-income families went uninsured for longer periods of time. Of those who earned below 133 per cent of the nation’s poverty level, 57 per cent said they had a gap in coverage while just 12 per cent of people surveyed who earn more than 400 per cent of the poverty stated they had a gap in coverage during 2011. In addition, 35 per cent of the low-income families that were surveyed said they were uninsured for longer than two years, while just three per cent of high-income families went without health insurance that long.

The main reason for low-income families to go without coverage was due to the cost of health insurance. A total of 62 per cent said they couldn’t find health insurance at an affordable price while 31 per cent stated they were denied insurance, had an exclusion clause put in their policy, or were charged higher rates due to a pre-existing medical condition.

It didn’t come as much of a surprise when the survey said most people without insurance were more likely to go without preventive health care services including cancer screenings, blood pressure tests and cholesterol checks.

If you’re seeking affordable health insurance Indiana we can help in your search at Acceptable Answers. Our licensed insurance agency deals with numerous top insurance providers in the state and can quickly obtain quotes on their various health plans. This will enable you to look them all over and compare them side by side.

Of course, the price isn’t the only important thing when it comes to health insurance Indiana and we’ll make sure you’re matched up with an insurer that provides you with the specific health coverage you’re looking for. For more details on all types of health insurance please call us at your convenience at 1-888-355-7129 or visit us at www.acceptableanswers.com. One of our friendly representatives will be glad to provide you with free assistance and instant quotes.

Humana is one of the most popular Indiana health insurance companies with state residents. This is because it provides them with flexible health plans for families and individuals. The company is also known as HumanaOne.

It doesn’t really matter what type of lifestyle you live or how old you are, Humana could have a health plan that suits your needs. Many of the people who deal with the insurance company include recent graduates from college, business men and women, and early retirees. In fact, if you’re currently uninsured, you’ll have a wide range of health plans to select from with Humana. The company offers several high-deductible health plans as well as preferred provider organizations (PPOs).

The high-deductible plans are ideal if you plan on opening a health savings account (HSA) This type of account will enable you to use pre-tax money when paying for qualified health care costs. You can also have a health plan custom built for you at Humana as you’ll be able to add on added coverage such as dental, prescription drugs, accident benefits, and term life insurance if you choose. This will help you find a plan that’s tailor made for your unique health care needs.

Humana is one the largest and most financial of the Indiana health insurance companies. It has a large network of health care providers across the state and the nation. Its nationwide network consists of over 3,000 hospitals, 50,000 pharmacies, and 350,000 medical professionals. This makes it easy to receive treatment whenever and wherever it’s needed.

Humana members are able to compare hospitals and doctors by cost and performance ratings and are provided with online tools and resources to budget and manage their health care expenses. They can also choose a coinsurance and deductible level that suits their budgets. The coverage offered deals with preventative care and major and basic services.

If you’d like more information on Humana and/or any other Indiana health insurance companies please feel free to contact one of our licensed insurance agents at Acceptable Answers. We’ll be able to provide you with specific details on the companies and the health plans they offer. We work closely with numerous insurance providers and this enables us to present you with their instant quotes. We’ll describe how each plan operates and what it offers in the way of services and coverage.

This will allow you to weigh your options and choose the health plan you feel will benefit you the most and will be the most affordable. Just give us a call at 1-888-355-7129 if you’d like free personal assistance and quotes. You can also browse our site at www.acceptableanswers.com for more insurance information.