disabilities that may affect family members, special clauses for elders, travel insurance if thats included with it etc. All these are given a fillip by Hawaii Insurance schemes.

The Hawaii Breast and Cervical Cancer Control Program provide qualifies woman with free screenings for breast and cervical cancer. Women screened through this unique program and diagnosed with breast or cervical cancer are eligible for free health coverage through Medicaid, which extends throughout the duration of her treatment. But for this aspect she must be a resident of Hawaii State. She must be between 40 and 64 years of age, She must also have no or limited health coverage, and she must be eligible for Medicaid program, and most important condition is she should have an income at least below 250% of the federal poverty level.

Hawaii State Health Law also provides Federal Health Coverage Tax Credit (HCTC), which covers 65% of premiums of the qualified policyholders. This program says, one can either claim tax credit at the end of year on tax return or he or she can choose money be paid directly to their health plans every month. To get eligibility for this tax credit, he or she mist be receiving Trade

Adjustment Assistance (TTA) benefits or retirement benefits. One must also be older than 55 years. HCTC may also be applicable for families as well. One can use the credit to purchase suitable health coverage for other qualified family members. Here qualified family members are spouse and dependents you quoted when claiming federal tax return. But exception is that here family members are not eligible for HCTC, if they are holding any other health insurance plan where the employer pays at least 50% of their premium cost.

Residents of Hawaii have to make sure their health care decisions for them and for their family members is a great step in the right direction. As in many other American states Hawaii health insurance law states that according to its nondiscrimination aspect of health insurance, health coverage cannot be limited or denied, nor residents have to pay more depending on his or her health status. It also says that whenever we get sick, we need not worry about cancellation of coverage in Hawaii. This is fine provided we pay premiums and also live within the state. Also if one undergoes marriage divorce, then he or she loses eligibility of insurance coverage, then can buy a conversion policy.

Whenever one is sick, he or she need not worry about cancellation of their health insurance coverage. Hawaii state health insurance law provides guaranteed service, which says one can't turn down an employer from a group health plan, on the grounds of health status, age etc that predicts the use of health services of all others in the same group. It also offers free health policy for pregnant women, families with children, elders, people with disabilities or those with low in comes. In fact one with very low income, has rights for free health coverage not just for him or her but for all family members also.

Taking case of non-insurers in Hawaii, even if they don't have health insurance, their employer in all probability will have one as a group including them. So, they have to know nuances of their insurance plan and thereafter how he or she can secure life of their family members also. One has to take quality time for the same, without which it's not easy to understand which plan suits them, best as a whole.

Now let's see how one can choose a suitable health insurance plan for them. All plans provide basic medical coverage, but when we take decisions we should go to the bottom and understand them better. At times even the best plan in the market may never suit us. We need to take them on case-by-case basis and find more about physical screenings, care offered, quality emergency care offered, vision and dental care etc. When we finalize a plan with the company we must enquire about care for mental health, gynecological care, special care for chronic diseases, physical therapy, nursing homes etc Along with it, it's good to know preventive care details of the aforesaid insurance company.

Quality of Hawaii Health Service is something that stands really tall in our minds. Finding limitations of plans are always there. It will be really good if there's not difference between what company provides with coverage and what we foresee we need. Take for example, in case we suffer from serious illness, are there special programs to treat us or not. It's not a bad idea to look at what they 'don't' offer. We also need to ask insurer whether there are experimental treatments involved with our health plan. How about possibility of disagreement arising out during middle stages of our coverage, how the insurer will respond, is something we need to ask them straight away.

Choice of doctors is makes us feel at ease. Under insurance coverage, can we get freedom to consult primary care doctor as well as any specialist or we can go to specialist only if our primary care doctor refers I mean, we need to ask the insurer beforehand whether permission is there for consulting a specialist doctor, as medical treatment is associated with time and emergencies.

There are two types of health insurance plans in Hawaii, namely indemnity plans and managed care plans. With indemnity plan we will get wider option like going to any doctor and choosing any treatment we wish. But with managed care plan, there are restrictions like our insurance company is going to limit our choice of treatment. This is like they will have a choice of doctors of their own, and also set of hospitals because they will have an agreement with those doctors and hospitals per se. So, with managed health plans premiums are lesser than in indemnity plans. So finding a better health insurance plan for future is the most important decision in our life.