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Articles by Tracy Manamon

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87 articles by Tracy Manamon · showing 50

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By Tracy ManamonRecently publishedTopic pending

Travel Insurance for a Stress-free Holiday

You have planned all the details of your vacation abroad, but are worried about the unexpected. Trip and hotel cancellations, unexpected calamities in the country you’re traveling to, a medical emergency, baggage loss and so on are fears that can destroy your peace of mind. That’s why you need travel insurance. It can protect you against unexpected circumstances and help you enjoy a stress-free holiday. Getting Travel Insurance Saves Money

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By Tracy ManamonRecently publishedTopic pending

What Does Travel Insurance Really Cover?

You are starting to plan that family vacation to Greece that you have all been dreaming of for the past five years. Everything seems to be going great and you feel like you have kept on track with everything that needs to be done. The mail is going to be held when you are away, the neighbors are keeping an eye on the house and feeding the dog, everyone’s passports will arrive any day in the mail, everything is almost done.

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By Tracy ManamonRecently published1 topic

Finding Affordable Kentucky Health Insurance – Facing the U.S. Health Care Crisis

There’s one thing everybody agrees on – America has a healthcare crisis. As for how to deal with it, opinions are divided. A new Gallup poll revealed that 47 percent of Americans want the health care law repealed and 42 percent want it to stay. Whether the law is repealed or retained, it’s risky to go without health insurance. If you live in Kentucky, make sure you find an affordable Kentucky health insurance plan before it’s too late. Rising Proportion of Uninsured

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

New Legislation and Changes in Medicare

Almost 27 million seniors who get their prescription drug coverage from Medicare saw major changes in 2010. In 2011, Medicare beneficiaries are getting more benefits, though people with higher incomes will have to pay higher incomes, and maybe, higher taxes too. • Closing the Donut Hole

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Healthcare Reform – Rising Costs of Benefits Puts Onus on Employees

Up to 159 million Americans (52 percent) are covered by employer-sponsored plans. The Affordable Care Act is changing the group health insurance scenario. Employers are conce ed about the rising cost of per-employee benefit costs and are expecting their employees to contribute more out of their pay checks to the benefits package. This is borne out by the results of several studies, including ERC’s recently published 2011/2012 Policies & Benefits Survey covering Northeast Ohio employers.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

HSA Compatible Kentucky Health Insurance

According to a recent estimate, a Kentucky couple retiring in 30 years may need almost $500,000 for to pay for medical costs in retirement. There are many medical costs to plan for in retirement, including long-term care and Medicare premiums. The best way to prepare for retirement is with a Health Savings Account (HSA) compatible with a health insurance Kentucky plan. HAS funds can pay for retirement health expenses tax-free. What is a HSA compatible Kentucky health insurance plan? A KY health insurance plan which meets the following conditions is considered HSA-compatible:

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Everything You Should Know About COBRA in Ohio

President Ronald Reagan, a name you probably have not heard recently unless you have been taking a class on our past presidents. Like most presidents each one has left some mark on history. If you are familiar with COBRA insurance than you are familiar with a mark that was left by President Ronald Reagan. COBRA stands for Consolidated Omnibus Budget Reconciliation Act. COBRA became an amendment to a law called Employee Retirement Income Security Act (ERISA) on April 7th 1986.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Anthem Preventive Care for OH

Why do we have health insurance? In Ohio, we have health insurance so that if we get sick or have a medical emergency and need to go to the hospital/doctors, we do not need to pay the fees right out of pocket. Would you believe me if I told you that you could limit how much you go to the doctors, not all the way, but at least limit it some? You can! It begins with changing your lifestyle. You can make a choice today to live a healthy lifestyle and by doing so you are decreasing your chances of having to go to the hospital for more serious conditions.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Why a High Deductible Ohio Health Insurance Plan is a Good Choice

Though medical costs are rising, you still need to purchase health insurance for yourself and your family. Choosing a high deductible Ohio health insurance plan is an ideal way to lower your expenses. A high deductible plan usually has a low premium. To understand why such a plan is a good choice, you should know what a deductible is and how it works. How a Deductible Works

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Ohio Individual Health Insurance – Tips for Students and College Graduates

You are a young, healthy adult living in Ohio. You may ask - why health insurance? The reason is that regardless of how physically fit you are, an unexpected illness or injury could put you in a lot of financial trouble. So even if you are young and in good shape, you need to think about finding affordable Ohio individual health insurance. Read on to know your options and for some tips to stay covered.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Understanding the Individual Mandate for Health Insurance Kentucky

According to census data, the number of uninsured Kentucky residents in 2010 was 640,000 or about 14.9% of the state’s population. If you are among the uninsured, it’s time to start thinking about purchasing a health insurance Kentucky policy as the individual mandate of Patient Protection and Affordable Care Act (PPACA) requires that all Americans have minimum essential coverage, with some exceptions, beginning in 2014. Those who do not have health insurance will have to pay a penalty. To understand the individual mandate, it’s necessary to understand ‘minimum essential coverage’.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

U.S. Eases Entry for International Visitors

U.S. tourism is all set to see happy days ahead with the federal government making it easier for international visitors to get through customs. Targeting mainly tourists from Brazil and China who are able and willing to spend, President Obama plans to speed up the non-immigrant visa approval process by making the Global Entry Program permanent. Obama is also looking to enhance the Visa Waiver Program which permits citizens from some countries to travel visa-free within the US for up to 90 days.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Federally Run Health Insurance Exchange for Ohio

Ohio will have a federally run health insurance exchange by 2014. This follows the decision by the governor not to implement a state-based exchange to sell Ohio health insurance. The setting up a federal health exchange is a major change as traditionally, states have controlled the private health insurance market.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

What Everyone Should Know About Individual Ohio Health Insurance

What is your unique situation that requires you to search for individual Ohio health insurance? Common situations are “people between jobs, workers whose employers do not offer group coverage, self-employed entrepreneurs and freelancers, part-time, contract and temporary workers who are not eligible for group health benefits, new employees waiting for their group health coverage to begin, early retirees who are not eligible for Medicare, people paying expensive rates for COBRA coverage, families in transition due to job loss or divorce”.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Affordable Ohio Health Insurance with an HSA-qualified HDHP Plan

With the IRS announcing the cost-of-living adjustments affecting Health Savings Accounts (HSAs), HSA contribution limits and High Deductible Health Plans (HDHP) out-of-pocket maximums will see slight increases in 2012. HDHP minimum required deductibles remain the same as in the last two years. With some professional guidance, you can easily find affordable Ohio health insurance with an HSA-qualified HDHP.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

How the Affordable Care Act will Impact Ohio Employers

Erin Hoeflinger, president of Anthem Blue Cross Blue Shield Ohio has called the Affordable Care Act “a mammoth change for Americans”. Most people are still unaware of how exactly the changes will affect them and their quest for affordable Ohio health insurance, but Hoeflinger spoke quite clearly on how it will impact employers, large and small.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

10 Easy Ways to Keep Ohio Health Care Costs Down

The truth about Ohio health insurance is that costs are rising. If you have been watching the news or reading the newspaper you know that it is a constant battle for insurance companies to provide insurance at an affordable rate while also making money. People are demanding lower costs, but the government is asking that certain criteria be met, putting the insurance company in the middle of both demands from the government and the people. What can the average person in Ohio do to avoid the rising costs? Follow these ten easy steps to keep Ohio Health Insurance costs down.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

How to Find the Right Kentucky Individual Health Insurance Plan

Knowing when and how to find the right Kentucky individual health insurance plan is crucial when it comes to protecting yourself and your family. When Individual Health Coverage is Important You could have coverage under your employer’s group health insurance, but there are many reasons why you should consider purchasing a plan on your own: • Job loss: If you buy individual health insurance, you and your family would be covered even if you lost your job.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Ohio Short Term Health Insurance – Safety Net for Laid-off Workers

Ohio short term health insurance is a great option for unemployed persons as it offers coverage for unexpected catastrophes. Short term health plans are assuming great significance in these financially challenging times. According to the U.S. Bureau of Labor Statistics, July 2011 saw employers taking 1579 mass layoff actions, displacing 145.000 workers. Since the economic downturn, the number of workers filing for unemployment insurance has been rising. Things have been made worse with COBRA subsidies coming to a close on August 31, 2011.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

How to Secure Affordable Kentucky Student Health Insurance

Fall is round the corner and it’s time to get back to school! As a college student, one of the first things you should be thinking about is securing your Kentucky student health insurance. If you should fall sick or have an accident and don’t have coverage, you could end up spending lot of money on hospital bills. Here are tips to help you stay covered in the most affordable way:

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Controlling Health Care Costs – Anthem Shows the Way

The rapidly rising cost of health care is one of the most pressing issues that the U.S. is facing today and it is eating into the income gains of the average American family. The increase in health insurance premiums is leaving people with less cash to spend on other essentials. According a survey on employer-sponsored health benefits conducted by the Kaiser Family Foundation and the Health Research and Education Trust in 2010, premiums for single and family coverage rose over 9% since last year. The cost of premiums for families has risen from $13,770 in 2010 to $15,073.

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Downward Trend in Ohio Health Insurance Rates

A national survey conducted by Buck Consultants shows that costs for all types of medical plans are expected to increase by 9.9% for 2012. This is being welcomed as this is the first time since 2001 that Buck has predicted cost increases less than 10% for any type of plan. If you live in Ohio, this could be the best time to invest in Ohio health insurance – whether for your employees or for your family. Fall in Rates for All Types of Plans

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Obamacare in Ohio – Individual Health Insurance Premiums to go up, says Milliman Report

The key findings of a forecast report by Milliman Inc., Seattle for the Ohio Department of Health Insurance are that the changes occurring as a result of the Patient Protection and Affordable Care Act (PPACA) will bring down the number of uninsured by 790,000, but increase premiums by more than 55% for the 735,000 residents who have Ohio individual health insurance coverage. According to Milliman consultants, these trends are “primarily driven by the estimated health status of the new individual health insurance market and the expansion of covered benefits.” 1

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Finding the Best Blue Cross Plan for Your Needs

Making the right choice takes time, patience, and knowledge. With so many different Ohio health insurance plans available through Anthem Blue Cross Blue Shield it is important to take the time to weigh your options and find the one most suited to your needs. Due to the many factors there are to consider when buying health insurance – your income, budget, medical needs, to name a few – it is helpful and wise to seek the help of a Ohio based Blue Cross Insurance agent. He will assist you in sorting through all of the plans and will be able to answer any questions you may have.

Primary topic: Financial Literacy
Financial Literacy
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What You Need to Know About the Individual Mandate in Ohio

The question that is running through so many Americans’ minds today is “How will the individual mandate help or hurt us, when it comes to health insurance?” The common man in Ohio, who may not be following the mandate on a daily basis, is going to first look at the change in his insurance premium. His initial thought is “will I be able to afford the change for health insurance Ohio, or is it going to hurt me more?” This is a great question to be asking your-self. Ohio has not made a decision yet if the state is going to be for or against the individual mandate of Obamacare.

Primary topic: Financial Literacy
Financial Literacy
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11 Most FAQs About Health Insurance Ohio and the Health Care Reform

Health insurance Ohio has been changing drastically in the last couple years, and is going to continue to change until 2014, when most of the changes will be put into full effect. Many people have a lot of questions and conce s about the upcoming changes so I would like to help you understand what changes are coming and how you can be an informed individual when buying health insurance.

Primary topic: Financial Literacy
Financial Literacy
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How to Choose a Suitable Ohio Short Term Health Insurance Plan

Short term health coverage is meant for people who are looking for temporary medical insurance for periods ranging from one to eleven months. You should consider a short term health plan if you are: • Between jobs • New employees waiting for coverage to begin at the work place • Part-time, temporary or seasonal workers • A new school graduate who is not on a parent’s health plan • Early retirees

Primary topic: Financial Literacy
Financial Literacy
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How to Choose the Right Kentucky Health Insurance Plan

Kentucky health insurance companies in the individual market are authorized to sell different types of policies and do not have to standardize them. So choosing the right health insurance Kentucky plan can be something of a challenge. The most important thing is to prioritize, understand your options and settle for a quality plan. Kentucky Health Insurance Plans from Leading Providers

Primary topic: Financial Literacy
Financial Literacy
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By Tracy ManamonRecently published1 topic

Examples of “Real Life” Travel Risks

Sometimes when preparing for a vacation or business trip we don’t want to think about the things that could happen when we are on our trip. We want to live in the fantasy that everything is going to be fine, and hopefully, it will be. Many know though that sometimes there are situations that arise that have to be dealt with, and if you do not have travel insurance you are at risk for possibly having to spend a lot of money. I am going to inform you of seven risks you take when traveling without travelers insurance.

Primary topic: Financial Literacy
Financial Literacy
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The Top 10 Questions Every Traveler Asks

When getting ready to go on a trip it is smart to start asking questions about the travelers insurance you have and how it will affect you and your family. By doing this, you will be completely prepared to go on your trip and know exactly what will and will not be covered. Because people travel frequently, there are some questions about travel insurance that get asked more often than others. I would like to inform you of the top ten questions that every traveler asks and what the answers are.

Primary topic: Financial Literacy
Financial Literacy
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HSA Are Something Everyone Should Consider

If you have Ohio health insurance you may have heard about Health Savings Accounts, you may even know people who have them, but you may not have ever considered one for you. However, now might be the best time to start exploring if they are your best option. With all of the healthcare reform that is being launched, HSA’s will likely become the choice of many Americans to avoid further taxation.

Primary topic: Financial Literacy
Financial Literacy
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Health Insurance in Ohio – Many Challenges Ahead

According to a report prepared for the Ohio Department of Health Insurance, over 60 percent of Ohio’s residents get their health insurance through their employers. However, Ohio Lt. Gov. Mary Taylor says there could be a lot of confusion ahead for businesses as well as individuals when shopping for health insurance in Ohio. Talyor, who is also Director of the Ohio Department of Insurance, says that policies could also become expensive, with higher premiums and new fees required to run a state health care exchange.

Primary topic: Financial Literacy
Financial Literacy
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Crucially Important Steps After You Purchase Travel Insurance

Congratulations, if you are interested in what to do after you have purchased travel insurance, than you must have already looked into the different travel insurance companies and purchased a plan. It is a great feeling isn’t it? Knowing that you are going on this family vacation or business trip completely insured? If anything happens you will know if you are insured for it or not, and have a travel insurance company that you can be in contact with 24/7 with any questions. So what do you do now that you have purchased your plan?

Primary topic: Financial Literacy
Financial Literacy
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Ohio Health Insurance Many Sides to a Complex Issue

June has been a busy month for hawks watching the Ohio health insurance scene. The latest development is that a federal appeals court in Ohio has upheld the 2010 health reform law. On June 29, the three-judge panel of the 6th U.S. Circuit of Appeals in Cincinnati voted 2-1 that Congress does not exceed its powers by requiring individuals to buy health insurance.

Primary topic: Financial Literacy
Financial Literacy
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7 Answers For the Self-Employed About Ohio Health Insurance

Like so many things in life there are benefits and risks to being self-employed. The great thing for you is that in an economy like this where many employees have been laid off you do not have to worry about your health insurance and being laid off. One thing you may have to think about though, is Ohio Health Insurance. Because if you do not work for a company that offers health insurance you will need to make sure that you have purchased health insurance for your family and yourself by January 1, 2014 when the Affordable Care Act goes into full effect.

Primary topic: Financial Literacy
Financial Literacy
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Obamacare Will Raise Deficit Says New Study

Adding fuel to the fire on the debates over the health care law, a leading conservative economist has suggested that Obamacare will only add to the national deficit and not reduce it. Charles Blahous, a former Bush administration official who serves as public trustee overseeing Medicare and Social Security finances, released the results of his study which estimates that the health care law will add at least $340 billion to the nation’s deficit. This is contrary to President Obama’s promise in 2009 that he would not endorse a health care plan that “adds one dime to” to the federal deficit.r

Primary topic: Financial Literacy
Financial Literacy
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Ohio Health Insurance Coverage – Know Your Options

The Commonwealth Fund Health Insurance Tracking Survey of U.S. Adults reports that a quarter of adults ages 19 to 64 (about 8.3 million) went without health insurance for some time last year. Another report for the state of Ohio found huge gaps in Ohio health insurance coverage. The Health Foundation of Greater Cincinnati’s Ohio Health Issues Poll (OHIP) reported that • More than 1 in 6 Ohio adults (18%) ages 18-64 did not have health insurance at the time of the pollr

Primary topic: Financial Literacy
Financial Literacy
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Finding Affordable Ohio Health Insurance

Ohio health insurance companies provide several types of affordable plans for individuals, families, and employers. The best way to get affordable Ohio health insurance quotes is to find a professional, independent health insurance agent to represent you. Though all health insurance rates are fixed by law, there are many affordable options available. A dependable agent can help you get free quotes from leading providers and also provide expert guidance to choose a plan that meets your needs and budget. Features of Low Cost Ohio Health Insurance

Primary topic: Financial Literacy
Financial Literacy
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Ohio Individual Health Insurance – Making the Right Decision

Official statistics indicate that the proportion of uninsured Ohio residents increased over the past year from 11.6 to 12.9 percent. This is quite worrying considering the fact that Ohio has a high death rate due to cancer as well as one of the highest levels of air pollution in the United States. It goes without saying that those who live in Ohio who do not have health insurance should think seriously about purchasing a policy. Considering these important points below can help you make the right decision when you buy an Ohio individual health insurance policy.

Primary topic: Financial Literacy
Financial Literacy
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A Checklist to Enjoy a Hassle-free Trip

You are excited about your trip abroad but worried if unexpected events could disrupt your plans. Making a travel checklist can help make your experience relatively hassle-free. • Being well-informed about your destination in advance keeps you confident and relaxed. Get all the information you can on the places you are visiting from the Internet, travel agencies, travel guides and tourist offices.

Primary topic: Financial Literacy
Financial Literacy
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Ohio Open Enrollment - Time to Evaluate Your Medicare Coverage

The Medicare open enrollment period offers Medicare beneficiaries in all US states an opportunity to review their health plan and switch to a new one that accommodates new needs, such as a change in health status. Ohio health insurance companies offer various types of Medicare Supplement or Advantage Plans for Ohio residents. If your needs have changed since you enrolled in a Medicare plan, this is the time to evaluate your Medicare coverage and look at the options that will work better for you. Ohio Medicare Enrollment Options

Primary topic: Financial Literacy
Financial Literacy
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Doctor Shortage Will Impact Ohio Health Insurance

One of the major objectives of health reform is to extend coverage to more than 30 million more people. However, providing them all with timely and proper medical care will be an issue. The Department of Health and Human Services has pointed out that America has a serious doctor shortage. By 2015, America could have nearly 63,000 fewer doctors than needed. Ohio is also hit

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Financial Literacy
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How Health Care Reform Affects Individual Health Insurance Ohio

Ohio is one of the 26 states which are challenging the Patient Protection and Affordable Care Act of 2010 provision which requires all Americans to purchase health insurance starting in 2014 or pay a fine. Two years after the law was passed, there are still many questions being raised about its ability to make individual health insurance Ohio more affordable. Here’s why:

Primary topic: Financial Literacy
Financial Literacy
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Buying Short-term Ohio Medical Insurance

Having health insurance is no longer an option – it’s a necessity. If you are employed, you would be covered by an employer-sponsored plan, though now you could be paying a higher share of the coverage than before. As with the rest of the U.S., the Ohio job market has been hit by the economic crisis. Though a recent Morgan Chase survey shows that employment is expected to strengthen in the Ohio economy, college graduates may have to wait a while till they find a job. Even those who are lucky enough to land one may find that they have to wait a while before employer coverage begins.

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Financial Literacy
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The Top Four Key Points About The Ohio Health Insurance Exchange

Have you been watching the news, and or reading the latest updates on the web about health insurance coverage, and state-run health insurance exchanges? If you have, then you know that there are many things changing from the way that health insurance Ohio has been running up to this point. Will every citizen of the United States, not just Ohio, be forced to purchase health insurance? This is a constant question on many citizens’ minds today.

Primary topic: Financial Literacy
Financial Literacy
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How Kentucky Individual Health Insurance Differs from Group Insurance

Individual health insurance is meant for people who are not in an employer-sponsored or government-assisted health plan. Group insurance, as the name implies, refers to the coverage that an employer sponsors for his employees and their dependents. Most people have this kind of coverage. The employer co-shares the payment towards the monthly premium with the employee. Besides this basic difference, Kentucky individual health insurance differs from group insurance in many ways. Individual Health Insurance KY – Features

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Financial Literacy
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Health Insurance Coverage for your Small Business in Ohio

While we wait for the government to try and resolve the great debate over health care reform, thousands of people in Ohio go without coverage. Any changes that are approved won’t go into effect for at least three years so it is up to small business operators to find solutions in the short term for themselves. You may be surprised to learn that in Ohio there are a number of affordable health plans available right now.

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Financial Literacy
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How Will Health Insurance in Ohio Change by 2014?

Over the past year you may have already started to see a change in health insurance. These changes are only just beginning and are said to be taking full effect in 2014. Like most changes, some people are for the change taking place, and others are very against it. While we are not here to tell you to take a stance in either direction, we want to make sure that you are given the knowledge to make an informed decision with actual facts to back it up.

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Financial Literacy
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Medicare Coverage Choices

You become eligible for Medicare when you reach age 65. If are nearing eligibility, you need to make your Medicare coverage choice at least three to four months in advance. You have two basic choices: Original Medicare Coverage and Medicare Advantage Plans. Medicare comprises four parts: A, B, C and D Part A covers hospital stays and emergency care Part B covers doctor visits and routine health procedures

Primary topic: Financial Literacy
Financial Literacy
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