health insurance exchange

What Is a Health Insurance Exchange, and Does Minnesota Have One?

A health insurance exchange is a digital marketplace that allows people to browse and compare a variety of affordable healthcare insurance options before buying, all in one place. Having broad, cost-effective healthcare is vital for individuals and families, as it’s the most reliable way to avoid suffering the potentially devastating financial consequences of excessive medical debt.

Read More

insurance denials and pre-existing conditions

Can I Be Denied Insurance Due to a Pre-Existing Condition?

Not anymore. Thanks to the Affordable Care Act, since 2010, insurance companies are no longer able to deny coverage or raise premiums for individuals with pre-existing conditions.

Insurance companies typically assess applications through underwriting, where they evaluate the risk associated with insuring certain individuals, looking at medical history, age, occupation, lifestyle and any pre-existing conditions. Before, some people deemed “high-risk” could face coverage denials, dollar limits on coverage or experience unreasonable delays in receiving claim approval. The Affordable Care Act was intended to ensure there were contingencies in place so everyone who wanted coverage could get it, regardless of how bad their health was, how expensive their conditions were to treat and their income.

Read More

insurance definitions

What Do Terms Like Premium, Deductible, Coinsurance and Copay Mean?

Insurance policies are cluttered with confusing terms that can have a large impact on what your insurance will and won’t do. It can especially be overwhelming for young people or those who haven’t had to shop in the marketplace previously due to getting insurance via their family or an employer.

What can make these terms more confusing for users is how each has the power to influence the others – for example, if you pay more for your premiums, you’ll have a lower deductible and copay, and vice versa.

Read More

corporal punishment in schools

Current Status of Corporal Punishment in Schools

Corporal punishment in schools is essentially a thing of the past. The debate surrounding its effectiveness, ethical implications and legality are essentially a moot point now that, as a society, people seem to have decided they don’t want their children to be struck by teachers.

It wasn’t that long ago when corporal punishment was widely accepted as an appropriate disciplinary measure in educational institutions across the United States. The practice wasn’t officially outlawed in Minnesota public schools until 1989 (it’s technically still legal in private schools in the state, but most of those institutions still have policies prohibiting its use). And parents might be surprised to learn corporal punishment is still technically legal in more than a dozen states.

Read More

ESL class

Can a School Refuse to Offer ESL Classes?

English as a Second Language (ESL) classes are offered in most schools and help non-native English speakers develop proficiency in the English language. These specialized courses are designed to meet the unique needs of individuals who are learning English as an additional language, providing support to navigate academic, professional and social interactions in English-speaking environments.

Read More

substance abuse support group

What Are the Modifications to the Substance Use Disorder Treatment?

Substance use disorder (SUD) impacts over 20 million people in the U.S. It’s defined as a virtually irresistible (without concerted intervention and treatment) urge to use a substance, which results in physical dependence and increased tolerance to the substance. Increased tolerance means the user will need to take increasingly large quantities to satiate their addiction and prevent withdrawal symptoms.

Read More