Critical Illness Coverage is complimentary Life Insurance Polices that offer coverage for various diseases and chronic illnesses. The policies will often offer more in the line of treatment for strokes, cancer, and heart failures. If a person dies due to critical ills then the person will have the coverage his family needs to provide the patient with an adequate burial.

The comprehensive policies provide a list of ills that the policy will cover, making it easy for policyholders to understand their availabilities. To provide insight, I will offer a brief outline of the diseases and ills that most policies will cover. The policies will often cover Alzheimer’s disease, which is a degenerative permanent illness that targets the central nervous system, and often characterized by early senile mental weakening. The policies will also cover Aorta graft surgery, and other types of major surgeries. The plans will treat HIV, providing the patient contacted the disease from other sources outside of unsafe sex.

Furthermore, the policies will cover dementia (commonly known as a form of schizophrenia), and dismemberment. In addition, patients in the need of organ transplants are covered under most Critical Illness Policies. Third degree burns, “loss of independent existence,” kidney breakdowns, and many other illness are covered by Critical Illness Policies. While this is only a brief outline of the illness and diseases covered with most Critical Illness Plans, the outline giving should show that the plans often cover more than most health insurance polices. Read the rest of this entry »

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Those with mental illnesses not only have to deal with the stress of their condition, but also must put up with reduced health coverage. Many insurers do not cover mental illnesses; those that do, often limit the amount of treatments or medication covered. In fact, those with mental disorders often receive far less coverage than do people with other serious illnesses such as cancer or heart disease. Fortunately, there are a couple of new laws that promise to change the way the insurance industry works for the better. These laws should ensure better mental health coverage than ever.

The first law to watch is the Mental Health Parity and Addiction Equity Act. This law actually took effect this year. The law states that addiction and mental health coverage must be equal to that provided for other surgical and medical procedures. People who are used to paying higher deductibles will be thrilled to know how much money they can save. Unfortunately, this law does not require insurance plans to cover mental disorders. Insurance companies are also free to limit or exclude certain disorders as they see fit. The Mental Health Parity and Addiction Equity Act went into effect this July. Read the rest of this entry »

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