Health Insurance Quote - Health Insurance Trends

Healthcare reform insures an additional 1.3 million minorities

nospam@example.com (Brafton) — Thu, 15 Mar 2012 19:00:00 -0500

The U.S. Department of Health and Human Services recently announced that since the initiation of the Affordable Care Act, approximately 1.3 million minorities have been able to receive health insurance.

The data was compiled in the National Health Interview Survey and the Current Population Survey, according to the report. Overall, close to 736,000 Latinos gained healthcare coverage, while approximately 410,000 African Americans, 97,000 Asian Americans and 29,000 American Indians and Alaska Natives received coverage. One of the biggest reasons for the jump was the ability for people under the age of 27 to receive care under their parents' plans.

"As a result of the Affordable Care Act, we are making strides in giving every American regardless of race or ethnicity a fair shot at quality, affordable health coverage," said Kathleen Sebelius, secretary of HHS. "Because of the law, more and more young adults can breathe a little easier knowing they have health coverage."

Those who are still uneasy about healthcare reform may benefit from locking in a rate now. There are many affordable health insurance rates available online, and it may be a good idea to compare health insurance quotes sooner rather than later.

Lower insurance costs needed, says Consumer Watchdog

nospam@example.com (Brafton) — Mon, 12 Mar 2012 19:00:00 -0500

A report from the Consumer Watchdog Campaign noted that insurance rates for consumers may be too high for many to afford, which shows a need to slow the increases in costs.

The report, which cited statistics from the Centers for Disease Control, found that approximately 16 percent of consumers with private health insurance plans had difficulty paying down bills, while another 6 percent were not able to pay their expenses at all. The campaign hopes to get a ballot initiative created by November to force insurance companies to justify rate increases. This is a practice that is common in many other states.

"When one in five Americans are in medical debt it's clear that we're not doing enough to make health insurance affordable," said Carmen Balber with the Consumer Watchdog Campaign. "Soon, federal law will require every American to have insurance, but nothing controls what health insurers can charge."

Consumers who are struggling to pay medical bills, or think that they won't be able to afford their current plan, may benefit from considering other affordable health insurance rates. There are many health insurance quotes available that may be form-fit to a person's needs.

Important steps to take when searching for coverage

nospam@example.com (Brafton) — Mon, 05 Mar 2012 18:00:00 -0600

A recent report from The Associated Press showed that consumers need to take precautions when searching for healthcare coverage to be sure they are on the right track.

It is important for consumers to know what is available to them, as not everyone uses the same healthcare plan, according to the report. Health insurance coverage varies significantly with many aspects of a person's life, such as age, gender and medical history.

In addition, it is important to not get any more coverage than is needed, the report said. Consumers don't want to get too little coverage, but it is important not to cover themselves unnecessarily. In addition, it's advised that they be sure that the plan covers the doctors and hospitals that a person prefers, as this can vary from plan to plan.

It also may be a good idea for consumers to be aware of the terms used in the health insurance industry, the report added. This will make searching for a plan much less confusing and stressful.

Selecting the right health insurance option can be difficult, but by comparing plans, a person may find that there are many health insurance quotes available that fit their needs.

Many Californians witnessing health insurance premium spikes

nospam@example.com (Brafton) — Wed, 29 Feb 2012 18:00:00 -0600

A report from Consumer Watchdog Campaign showed that healthcare premiums are increasing for more than 300,000 California residents.

The rise took place on March 1, and will affect those under Blue Shield healthcare plans, according to the report. The company's increasing rates have prompted many consumers to sign a petition to prevent any healthcare provider from making a rate hike without first justifying the increase.

"This initiative gives voters the chance to rein in health insurance prices, and Blue Shield just gave 320,000 policyholders a reason to sign the ballot petition," said Carmen Balber, campaign manager for the non-profit Consumer Watchdog Campaign.

There are 35 states in the U.S. where this type of justification is law, the report added. However, California's regulators are unable to take these measures.

Consumers who are experiencing insurance rate hikes may want to look elsewhere for their healthcare plan. There are many affordable health insurance rates available online, and comparing health insurance quotes may help a person find what they want for a good price.

Medical debt can be difficult to overcome

nospam@example.com (Brafton) — Sun, 26 Feb 2012 18:00:00 -0600

Debt is an issue that many Americans are dealing with, especially during a recession. However, according to Kiplinger, there are ways to overcome it, if a consumer is proactive.

Medical debt is one of the main causes of bankruptcy, but it doesn't always have to end up poorly, the news source noted. When receiving a medical bill, consumers should call their insurer before they pay it. Ensure that with everything involved with the insurance plan, all discounts are accounted for.

If the bill is still far too much, the news source said it could be a good plan to try to negotiate. Being able to pay for a portion of it may help, and consumers could benefit in the long-run from this. However, it is important to keep up on payments. If the bill goes to collections, it can be much harder to negotiate.

Those Americans who are struggling with medical bills may not have the best health insurance plan they could get. Looking at other health insurance quotes may aid in finding a plan that has better coverage and can save the consumer money.

Americans want more personalization with insurance service

nospam@example.com (Brafton) — Thu, 23 Feb 2012 18:00:00 -0600

Ernst & Young recently released a survey which showed that consumers want to be rewarded for loyalty and also want help that is personalized for their needs.

The Global Consumer Insurance Survey 2012 showed that 43 percent of consumers felt that their company did not do enough to reward them for loyalty. When it comes to working online, 71 percent said that personal interaction from their insurer is important when extending their coverage, while 82 percent noted that it is necessary when making a claim.

"The bottom line is that building a strong brand through new online and offline channels will have a positive impact on sales, especially among Millennials," said David Hollander, global insurance advisory leader for Ernst & Young. "Insurers should define how their brand will be delivered to customers and design all processes to consistently deliver on that promise."

Consumers who don't feel their health insurance plan involves enough personalization may want to compare their current plan with other health insurance quotes. There may be another option that has what they are looking for.

American healthcare costs continue to rise

nospam@example.com (Brafton) — Tue, 21 Feb 2012 18:00:00 -0600

Health insurance rates could be getting larger, as healthcare costs are on the rise, according to the S&P Healthcare Economic Composite Index.

Overall healthcare costs for commercial insurance and Medicare rose by 5.28 percent year-over-year during December. The Commercial Index increased 7.11 percent compared to the same point in 2010, while Medicare rates increased by 2.51 percent. The Hospital and Professional Services Indices increased 4.99 and 5.34 percent, respectively.

"After November's deceleration, healthcare costs annual growth rates bounced back in December," said David Blitzer, chairman of the index committee at S&P Indices. "Since the end of the summer we have generally seen increasing annual growth rates, particularly with healthcare costs covered by commercial plans.

Those who have a public plan and are not satisfied with the high costs may want to look into affordable health insurance rates. There could be a cheaper option that fits a person's needs, and by going online and comparing health insurance quotes, a consumer could find what they are looking for.

CFOs take active role in healthcare benefits, says IBI report

nospam@example.com (Brafton) — Mon, 20 Feb 2012 18:00:00 -0600

The Integrated Benefits Institute recently released a report showing that chief financial officers take it upon themselves to be involved in healthcare benefits and how they are allocated to their workers.

Close to two-thirds of those CFOs noted that good health is important to their organization, while more than nine in 10 think that a healthcare plan for workers helps improve productivity in the office, according to the report.

Additionally, approximately 80 percent of CFOs noted they take part in some sort of aspect of healthcare decisions for their company.

"This research shows how CFOs crystallize the impact of health on financial performance and on productivity, and particularly focuses on the kinds of information critical to their health-investment decisions," said Dr. Thomas Parry, president of IBI.

If there is a lack of health insurance coverage availability at a person's workplace, or the plan offered is not what one is looking for, it's advised to compare affordable health insurance rates to find something that is inexpensive, but gives a person what they need.

OTC medication saves significant amounts of money

nospam@example.com (Brafton) — Wed, 01 Feb 2012 18:00:00 -0600

The Consumer Healthcare Products Association released a study that showed the health insurance industry may be saving billions due to over-the-counter drug options.

The study found that OTC drugs save a significant amount of money for the industry - as much as $6 to $7 per every dollar sold, according to "The Value of OTC Medicine to the United States."
In total, this saves approximately $102 billion annually.

In addition, these medicinal options give more than $20 bullion in productivity benefits, as consumers are not taking time out of their days to visit the doctor or participating in other medical-related appointments.

"When you consider that every dollar spent on an OTC medicine saves our system six to seven dollars in avoided cost, it is paramount that our policymakers do all they can to encourage consumer access to OTC medicines for self-treatable conditions." said Scott Melville, president and chief executive officer of CHPA.

For those consumers whose health insurance plans do not cover their medicine, or lack a proper OTC alternative, it could be a smart plan to compare health insurance quotes online to find the plan best suited for them.

Some aspects of healthcare law beginning to gain traction amongst Americans

nospam@example.com (Brafton) — Mon, 30 Jan 2012 18:00:00 -0600

While the American public is still very divided on the many aspects of the Obama administration's healthcare reform law, some parts of the legislation appear to be increasingly more attractive to consumers, according to a recent poll from Harris Interactive.

The poll found that more than one-third of Americans want the health insurance law repealed, while only one-fifth want it to remain intact, the source said. Another 25 percent of Americans would like to see certain aspects of the law changed.

"The public is still divided, mainly on partisan lines, as to whether to implement or repeal all, parts, or none of the health care reform bill," said Humphrey Taylor, chairman of the Harris Poll.

Nearly 60 percent of Americans are in favor of children staying on their parents' plans until they are 26, which is an increase from only 55 percent in November 2010, according to the poll. Another 53 percent were in favor of research requirements to improve treatments, which was gained from the previous figure of 44 percent.

However, the poll added that requiring adults to have health insurance coverage was only supported by 19 percent of Americans.

HHS requires contraceptive services to be covered under health insurance

nospam@example.com (Brafton) — Thu, 26 Jan 2012 18:00:00 -0600

The U.S. Department of Health and Human Services now will allow women to receive contraceptives covered as a part of their health insurance plan.

The program, which will be implemented in August of this year, and will require most health insurance programs to offer options without co-pays, deductibles, co-insurance or any other excess payments, the announcement said. However, some entities who consider themselves religious will have the opportunity to opt out.

Kathleen Sebelius, the secretary for HHS noted in the release that "This decision was made after very careful consideration, including the important concerns some have raised about religious liberty. I believe this proposal strikes the appropriate balance between respecting religious freedom and increasing access to important preventive services."

The program was initially suggested last August, and is already being practiced by some entities at the state level, the report added.

For those who are unsure if their health insurance plan covers everything that they need, or they have to pay too much on their deductible, it could be a good idea to examine affordable health insurance rates.

Possible to save money on healthcare

nospam@example.com (Brafton) — Mon, 23 Jan 2012 18:00:00 -0600

While some consumers try to cut back on their health insurance options in order to save money, that many not be the best route to take. A report from health insurance company Blue Cross Blue Shield of Delaware showed that there are other ways to save money on a plan.

Consumers should be sure that all medical care providers are in their insurance company's network, the source noted. This is because it will save significant amounts of money on costs such as copays. In addition, patients need to make sure that if referrals are necessary, they obtain one, as this will prevent unnecessary costs.

Americans also need to take any available precautions and testing options that are covered on their plan, according to the source. This has the potential to keep consumers healthy and costs low. In addition, if something does happen, ensure that only major issues are brought to the emergency room. Minor problems can be dealt with at the doctor's office or clinic.

If the plan itself is the problem, it may not be a bad idea to compare affordable health insurance rates. This practice can ensure that the new plan is both sufficient and inexpensive.

California dealing with significant premium increases

nospam@example.com (Brafton) — Wed, 04 Jan 2012 18:00:00 -0600

The state of California witnessed significant rises in health insurance premiums over the past 10 years, which outpaced inflation markedly, according to a survey from the California HealthCare Foundation.

According to Consumer Watchdog, the survey noted that premiums for California residents increased by more than 150 percent. This is approximately five times more than the rate of inflation during that period, which was 29 percent.

"A 153 percent increase in health insurance premiums in just 10 years is unbearable and the fact that premiums have risen five times the rate of inflation is scandalous," said Carmen Balber of Consumer Watchdog.

The average premium cost for an individual health insurance plan in California is $5,970, while the national cost average is $5,429, according to the survey. Regulators in some states can reject healthcare insurance rate increases, but California is unable to at the current time.

No matter where in the United States a person lives, it may not be difficult to find a better health insurance plan. A smart idea could be to compare affordable health insurance rates, as this could secure a low-cost plan.

Survey: Many consumers can't afford dental care

nospam@example.com (Brafton) — Tue, 03 Jan 2012 18:00:00 -0600

A recent survey from Consumer Reports showed that 43 percent of consumers have delayed getting dental care due to it costing too much money.

One-third of consumers noted they are not brushing and flossing when they need to and another 17 percent of those polled said they had to delay a check-up that was strictly for health reasons, the report noted. Another 23 percent noted that their insurance didn't cover the work they needed done, and approximately the same amount exceeded their plan's maximum limit.

"Consumers worry about pain when it comes to the dentist, but the financial burden of yet another medical expense is the greatest concern of all," said Nancy Metcalf, senior program editor, Consumer Reports. "It's worrisome that so many people are putting off dental care due to cost constraints."

Consumers who do not think their health insurance plan will cover a procedure, or won't do enough to make it worthwhile, may want to compare health insurance quotes to find something that covers a larger range of dental procedures.

Health insurance will have additional fees in 2012

nospam@example.com (Brafton) — Tue, 27 Dec 2011 18:00:00 -0600

The federal government will be adding an extra fee to consumer health insurance plans in 2012 in order to pay for healthcare research laid out in the healthcare reform bill, according to The Associated Press.

Research will center around whether new, brand name drugs are more useful to consumers to treat illnesses than the generic equivalent. The Patient-Centered Outcomes Research Institute will lead the research, according to the source. The organization was created by the federal government and will be partially sponsored by it.

"The more concerning thing is not the institute itself, but how the findings will be used in other areas," Kathryn Nix, a policy analyst for the Heritage Foundation, told the source. "Will they be used to make coverage determinations?"

In total, each fee will be $1 per person, according to the news source. While the federal government may not begin collecting immediately, those with insurance will still owe the funds.

Consumers who are worried about increased health insurance fees may want to examine affordable health insurance quotes to reduce their overall costs, as it may be possible to lock in a manageable rate before further healthcare reforms are implemented.

Report: Close to one-quarter of CA women uninsured in 2009

nospam@example.com (Brafton) — Mon, 19 Dec 2011 18:00:00 -0600

The Public Health Institute recently released a report which showed that nearly one-quarter of California women were without proper health insurance by in 2009.

The report found that in the Golden State, 21 percent of all non-elderly women were uninsured in 2007. This increased to the aforementioned figure in 2009. This means that during that year, more than two million women in the state lacked coverage for at least some part of that year.

"Clearly, the implementation of the Affordable Care Act is coming at a crucial time for California women," said Dr. Roberta Wyn, the brief's lead author and an affiliate of the University of California at Los Angeles Center for Health Policy Research. "These are challenging times, and it is important to move forward in expanding coverage and access."

Despite perception, there may very well be affordable health insurance rates for people in any position. In order to find these, it may be best to compare health insurance quotes to match a consumer up with a program that fits them.

Study: Healthcare reform could have negative effect on industry

nospam@example.com (Brafton) — Tue, 13 Dec 2011 18:00:00 -0600

A recent study from Deloitte found that many doctors are unsure that the Patient Protection and Affordable Care Act will have a positive effect on the healthcare industry.

The study, "Physician Perspectives about Health Care Reform and the Future of the Medical Profession," found that more than seven in 10 doctors are concerned about the future of medicine, while close to 75 percent think costs will increase as a result of the bill. One-third of doctors think that the reform will improve current rifts in affordability.

"The data confirms that physicians are resistant to reform and are frustrated with the direction of the profession," said Dr. Paul Keckley, executive director of the Deloitte Center for Health Solutions and lead author of the report. "Understanding the view of the physician is fundamental to any attempt to change the healthcare model - this is the person prescribing the medicine, ordering the test and performing the surgery."

Consumers who are concerned about the oncoming changes regarding healthcare reform may want to look for affordable health insurance quotes to lock into an attractive plan now.

Report: More consumers using fee-capped insurance plans

nospam@example.com (Brafton) — Wed, 07 Dec 2011 18:00:00 -0600

A recent report from the American Telemedicine Association showed more Americans are beginning to use fee-capped managed care health insurance plans.

These type of health insurance plans are used by 73 million Americans, which equals approximately 25 percent of the population. This figure was only 58 million patients six years earlier, which equals a 26 percent rise, the report noted. This could encourage insurance providers to use telemedicine as a part of their insurance options.

"The trend is great news for all forms of telemedicine, especially for mHealth and other emerging technologies, which have created great interest but are rarely covered by insurers," said Jonathan Linkous, chief executive officer of the American Telemedicine Association. "This shift in the way healthcare is paid will put providers in driver's seat when it comes to choosing the best way to deliver healthcare and whether or not to use telemedicine."

Those who are unsatisfied with their own health insurance plan may want to look into one of these options. By comparing affordable health insurance quotes, Americans could find the product that is right for them.

Healthcare costs continue to rise

nospam@example.com (Brafton) — Mon, 28 Nov 2011 18:00:00 -0600

A recent report from S&P Indices showed that the annual growth rate of healthcare costs increased for the fifth straight month.

The S&P Healthcare Economic Composite Index showed the rate for September was 5.75 percent, slightly higher than August's figure of 5.71 percent. In addition, the figure has increased in every month of 2011 since April, when the rate was 5.32 percent.

"As we enter the fall, we continue to see the summer trends of a deceleration in the annual growth rates of Medicare costs, while those of commercial costs continue to moderately accelerate," said David Blitzer, chairman of the Index Committee at S&P Indices. "With September's data, both the Composite and Commercial Indices posted five consecutive months of accelerating annual growth rates."

Due to the steady increase of the rate of healthcare costs, more consumers may be missing out on affordable health insurance rates, as these costs could raise insurance prices, overall. The faster they act, the more they could end up saving in the long run.

Health insurance premiums increase notably

nospam@example.com (Brafton) — Tue, 22 Nov 2011 18:00:00 -0600

A recent report from the Commonwealth Fund showed that from 2003 to 2010, premiums for health insurance plans increased markedly.

In total, the amount paid annually jumped by 50 percent during the time period, the report, "State Trends in Premiums and Deductibles, 2003-2010" noted. Overall, employees pay 63 percent more now toward their health insurance costs than they did in 2003. The average premium cost for a family health insurance plan from an employer was $13,871 in 2010, and premiums jumped in every state.

"Whether you live in California, Montana, or West Virginia, health insurance is expensive. Out-of-pocket costs for premiums and care are consuming a larger share of people's incomes at a time when incomes are down in a majority of states," said Cathy Schoen, Commonwealth Fund senior vice president and lead author of the report.

Consumers may be used to paying more nowadays due to the stressed economy, but it doesn't necessarily have to be that way for everyone. By comparing affordable health insurance quotes, consumers may get exactly what they are looking for.

Lower percentage of Americans receiving health insurance from job

nospam@example.com (Brafton) — Tue, 15 Nov 2011 18:00:00 -0600

A recent Gallup poll noted that fewer consumers are getting health insurance coverage from their employer, and the figure has declined steadily since 2008.

The third quarter witnessed a total of 44.5 percent of Americans insured by their employers, the poll found. This is a slight decline from the previous quarter's 44.9 percent and a one percentage point change from the same period in 2010.

More consumers are going without health insurance, as well, according to the poll. In the third quarter, 17.3 percent of Americans went without coverage, which is unchanged from the previous quarter, but one percentage point higher year-over-year. More than 25 percent of consumers were on Medicaid, Medicare or a related government healthcare plan. This figure was almost unchanged during the previous quarter. Only 11.4 percent of Americans used other health insurance plans, but this increased from the previous quarter.

Consumers who are not being offered health insurance from their employer may want to inquire about affordable health insurance quotes. These can be found online and there may be a sufficient option available.

Healthcare cost inflation remains steady

nospam@example.com (Brafton) — Mon, 14 Nov 2011 18:00:00 -0600

A recent report from the Center for Sustainable Health Spending of the Altarum Institute showed that healthcare cost inflation continues to increase, but is at a nearly unchanged pace over much of the past year.

The Health Sector Economic Indicators report for November showed that inflation increased 2.1 percent in September when comparing year-over-year figures. However, this shows that while there has been an eight-month streak of inflation around 2 percent, healthcare spending increased by more than 5 percent during September.

"The data show two potentially conflicting trends," said Dr. Charles Roehrig, director of the Center for Sustainable Health Spending. "Health spending for September, and the third quarter as a whole, appeared to accelerate, led by a 7.1 percent growth rate for hospitals. Yet health care prices, uncharacteristically, continued for a fourth month to trail economy-wide inflation."

Inflation may be steady at the moment, but this means that health insurance costs are increasing steadily. It may be a good plan to lock in a rate as soon as possible. This can be done by comparing affordable health insurance quotes online.

Report: Open enrollment an important time for consumers

nospam@example.com (Brafton) — Wed, 09 Nov 2011 18:00:00 -0600

A recent report from health insurance company Cigna noted that the open enrollment period is a great time to find affordable heatlh insurance quotes that still have the coverage a person is looking for.

The process can be daunting, and many try to put off the process of comparing coverage and prices for health insurance plans, the report said. However, the decision should be well thought out so that for at least the next year, the consumer is covered as sufficiently as possible.

"Each individual's personal circumstances and health needs are different, and so no two people will approach their decision in the exact same way," said Ingrid Lindberg, chief customer experience officer for Cigna.

She added that there are myriad things consumers should do in order to prepare for enrolling in a new plan. One of those is to see if the current medication a consumer or their family takes is covered under the health insurance plan, as well as ensuring their primary care doctor is also available under that plan.

The internet may be one of the best places to search and compare affordable insurance quotes.

Americans want health insurance discounts

nospam@example.com (Brafton) — Mon, 07 Nov 2011 18:00:00 -0600

A recent poll from Thomson Reuters found many consumers aren't happy they may have to pay more for heath insurance rates due to other people's bad habits.

Three in 10 Americans think that those consumers who are overweight should pay higher prices for health insurance, according to the poll. More than 58 percent of those polled think that consumers who smoke should also pay more. Another 85 percent noted that consumers who practice positive health habits should pay less than they typically do.

"Discounts for good behaviors are always more popular than surcharges for bad behaviors, but the science of behavioral economics teaches us that loss avoidance is three times more powerful than receiving a gain," said Dr. Raymond Fabius, chief medical officer for the healthcare business of Thomson Reuters. "Our research shows that obesity is a much higher driver of healthcare costs than smoking."

While not all health insurance companies give discounts for being healthy, there may be other ways to get better health insurance. One of these ways is to compare affordable health insurance quotes, which may get consumers the best rate available.

Consumers have health insurance open enrollment opportunity

nospam@example.com (Brafton) — Mon, 07 Nov 2011 02:00:00 -0600

A recent report from the Pennsylvania Department of Insurance reminded consumers that they can possibly find a more affordable health insurance plan during the open enrollment season.

It may be a good idea for consumers to calculate how much it would cost to cover an entire year of healthcare needs, the report noted. Also, thinking about what could happen in a really bad situation is also necessary to really get an idea about which plan is the best. Consumers should look to their employers to see if wellness benefits are available, as well.

"Wellness programs offer money-saving incentives for healthy behaviors such as exercising regularly or not smoking," said Mike Consedine, Pennsylvania state insurance commissioner. "Also, look into tax-free or pre-tax savings, as you may be eligible to open a Flexible Spending Account or a health savings account, and don't forget to ask about dependent-care savings accounts."

Checking up on a person's healthcare plan is important, as they may not always have the most affordable one. This is why it could be a good plan to seek out more competitive health insurance rates.

CVS Caremark: Healthcare reform may force insurance changes

nospam@example.com (Brafton) — Thu, 03 Nov 2011 02:00:00 -0500

A recent report from CVS Caremark noted that employers may have to make a choice in 2014, when additional aspects of healthcare reform take effect, and many consumers may be without job-sponsored health insurance.

The government's healthcare reform will require an insurance exchange with may be unsavory to many employers. In turn, they will have to decide whether or not to continue with a sponsored plan, or allow all employees to pay their own way, the report noted.

"What we know is that there are actions and programs that have had a direct impact on employee heath and productivity," said Troyen Brennan, executive vice president and chief medical officer of CVS Caremark. "It seems clear those of us in the healthcare industry have to be creative and diligent in developing and administering these programs, because absenteeism and productivity go to the bottom line."

Consumers may want to circumvent the confusion surrounding what the new health care reform bill will bring and get their own health insurance. It could be even easier if consumer compares multiple health insurance quotes to find the best fit.

Consumer Watchdog: Insurance reform necessary

nospam@example.com (Brafton) — Tue, 01 Nov 2011 02:00:00 -0500

A recent announcement from Consumer Watchdog noted that insurance rates need to be regulated more strictly, as it will stop doctors and consumers from being hurt by medical malpractice insurance companies.

Proposition 103, which was made a law in the state of California in 1988, prevented insurance companies from implementing rate hikes without permission from government insurance regulators, the release noted. The companies would need to justify any rise in rates that would be made, which can make the process much more difficult for them.

"California's medical malpractice insurance industry was price-gouging doctors to rake in profits while blaming rising premiums on injured patients," said Harvey Rosenfield, author of California insurance regulatory reform law Proposition 103, and founder of Consumer Watchdog. "Only Proposition 103's insurance rate reform gave state regulators the power to force insurers to open their books and back down on excessive rates."

Consumers who think they may be getting hurt from rising health insurance rates in their state may want to consider comparing insurance quotes online, as this could help find a better plan.

Some New York companies expect insurance rate hike

nospam@example.com (Brafton) — Mon, 31 Oct 2011 02:00:00 -0500

A recent survey from the Rochester Business Alliance found that many companies in that area of New York will need to increase health insurance rates, which could jump as much as 12 percent, on average, according to the Rochester Business Journal.

More than 200 businesses responded to the survey, with these entities planning to still cover a significant amount of premiums. For single plans, coveraged averaged nearly three-quarters of all payments. For plans involving more people, the average was roughly two-thirds of payments for two-person setups, or family plans, the news source reported. Those plans that did not cover a spouse but covered the remainder of the family typically were approximately 70 percent paid for.

One insurance company in the area noted it could increase health insurance rates close to 20 percent, the news source added.

This information could be useful for consumers across the nation, as rates have been increasing all over. In order to best defend against this, it may be a smart idea to lock in an affordable health insurance rate now, as it could benefit in the long run.

Report: Healthcare costs increase more than 5 percent

nospam@example.com (Brafton) — Thu, 27 Oct 2011 02:00:00 -0500

A recent report from S&P Indices showed that healthcare costs increased 5.73 percent over the 12-month period from August 2010 to August 2011.

The S&P Healthcare Economic Commercial Index found that commercial health insurance increased 7.89 percent during the time period, which was the fourth month in a row that the figure rose. Costs for medicare claims grew at a slower pace, and only rose by an annual rate of 2.16 percent. This is a stark contrast from two years ago when the figure witnessed an increase of 8.02 percent.

"As the summer of 2011 ended, we continued to observe the recent trend of a deceleration in the annual growth rates of Medicare costs and a sustained acceleration in the annual rates of commercial healthcare costs," says David Blitzer, chairman of the Index Committee at S&P Indices.

Consumers may want to examine affordable health insurance plans in order to lock in a rate. This could be important if the industry needs to increase costs due to its own rising expenses.

Study: Healthcare could see drastic changes

nospam@example.com (Brafton) — Tue, 25 Oct 2011 19:00:00 -0500

A recent report from Aon Risk Solutions noted that the healthcare industry could see sizable changes due to the recent health insurance reform, which may make medical systems need to merge to continue to be profitable and produce quality care.

The Hospital and Physician Professional Liability Benchmark Analysis found that small-scale health systems may need to merge or be bought out in order to survive, as they may not have the money to stay afloat. In addition, it may be necessary for regional systems to purchase these smaller ones to round out their practices.

"We believe this report to be the most comprehensive analysis of self-insured risks in the health care industry. Our findings reflect that when hospitals team up with physicians, they are effectively doubling down on medical malpractice risk," said Erik Johnson, author of the analysis and healthcare practice leader for Aon Global Risk Consulting. "As a result, medical malpractice for new physician-hospital arrangements will be a critical issue."

Consumers who are concerned about the uncertain future in the health insurance industry may want to seek out affordable health insurance quotes now in order to lock in the best rates.

Study: Some women may not prepared for retirement

nospam@example.com (Brafton) — Wed, 05 Oct 2011 02:00:00 -0500

A recent study from MetLife revealed that women may have trouble saving a comfortable amount of money for when they retire, and much of this is due to living longer than men and needing more care.

Women live approximately 8 percent longer than men do, according to the MetLife Study of Women, Retirement and the Extra-Long Life: Implications for Planning. Many women are concerned about the possibility that they could outlive their wealth, which is why it is important to adequately plan early.

"The risks and costs of 'living long and living female' call for an 'affirmative action' plan," said Dr. Sandra Timmermann, director of the MetLife Mature Market Institute. "We find that those who plan for a steady stream of income, along with some flexibility for the unexpected, are best prepared for what can be an extended future."

One smart way to ensure that a person has enough money later on is to save money now. This can be achieved if a consumer looks out for cheap health insurance quotes and compares to see which is the best for them.

Health insurance rankings show gap in quality

nospam@example.com (Brafton) — Tue, 04 Oct 2011 02:00:00 -0500

A recent health insurance plan ranking from the National Commitee for Quality Assurance was analyzed by Consumer Reports, and it was noted that some of the smaller health insurance companies had better satisfaction ratings from users.

A total of 33 percent of healthcare plans that were not under the umbrella of a major insurer received top scores in the rankings. Only 4 percent of all plans owned by the largest insurance companies matched this score. In addition, just 15 percent of Health Maintenance Organization plans and 6 percent of Preferred Provider Organization plans were given top marks in the rankings.

"American consumers who assume that 'bigger is better' and that doctor choice equates with quality might be surprised when they see how insurance plans stack up in the rankings," said Nancy Metcalf, senior program editor, Consumer Reports. "We were struck by the strong performance among HMOs in general, and by some of the smaller, community-based plans."

Consumers looking for a better health insurance plan may want to go compare rates to not only find the most affordable plan, but also to ensure they have the best quality coverage available.

Report: Consumer confidence in healthcare increases

nospam@example.com (Brafton) — Thu, 29 Sep 2011 19:00:00 -0500

A recent survey found that U.S. consumer confidence in both the payment and accessibility of health insurance increased during the month of September.

The Thomson Reuters Consumer Healthcare Sentiment Index increased to 98 in September, one point higher than August's figure. The threshold for the index is 100, which was created in 2009, meaning that the index is nearing stability.

The index, which is comprised of two parts, did not witness a drop in either for the month of September. The retrospective index, which records the overall healthcare experience of respondents during the month, increased to 98, compared to 96 in August. More consumers noted that they would not delay or postpone an appointment with a physician, and were less likely to not fill their prescriptions.

The prospective index was stagnant at 98 in September. This part of the index, which projects what consumers feel will occur for the coming three months, showed that consumers are still more confident that they will be able to take care of healthcare payments in the near future.

This news may encourage more consumers to look at health insurance quotes, as they may find a better plan than they currently have for less money.

Study: Health insurance premiums increasing

nospam@example.com (Brafton) — Wed, 28 Sep 2011 02:00:00 -0500

A recent study from the Kaiser Family Foundation/Health Research & Educational Trust found that premiums for family health coverage given by employers rose 9 percent in 2011.

The 2011 Employer Health Benefits Survey found that the cost of family plans was more than $15,000. In the past decade, premiums have increased more than 110 percent. Wages have only increased 2.1 percent in 2011 and 34 percent during the past 10 years, while inflation rose 3.2 percent this year, and 27 percent in the past decade.

"This year’s nine percent increase in premiums is especially painful for workers and employers struggling through a weak recovery," said Dr. Drew Altman, president and chief executive officer of Kaiser.

Many consumers may be frustrated with this finding, but it may not be a difficult one to fix. Those who want to improve their healthcare situation could compare health insurance quotes to find which is the best fit for their budget. There are many options available, and consumers don't necessarily have to cut down their amount of services to have an affordable plan.

Report: Health improvements save money on insurance costs

nospam@example.com (Brafton) — Mon, 19 Sep 2011 02:00:00 -0500

A recent initiative from the Mid-America Coalition on Health Care, the National Business Coalition on Health and Pfizer helped the employers of the Kansas City Collaborative save approximately $11 million in healthcare costs by implementing preventative programs.

The collaborative represented nine employers who had 56,000 employees. These people saved approximately $200 each, while trying to reduce the chances of developing expensive chronic diseases. In addition, 30 percent of companies crated new benefit programs to promote quitting smoking, which is a large contributor to chronic disease.

"By implementing a value based approach to health benefit design, this group of employers has been able to better address worker health and productivity while also lowering overall health care costs," said Christine Wilson, MACHC president and chief executive officer.

With consumers being able to save nearly $200 on average, it is likely that many were quite happy with the initiative. For those who want to save further, it may be a good idea to explore multiple health insurance quotes to ensure that the best rates are had.

U.S. health insurance coverage increased

nospam@example.com (Brafton) — Wed, 14 Sep 2011 02:00:00 -0500

A recent report from the U.S. Census Bureau showed the number of those covered by health insurance in the United States increased from 2009 to 2010.

The Income, Poverty and Health Insurance Coverage in the United States: 2010 report found that during that year, more than 256 million Americans had health insurance, compared to nearly 225.5 million in 2009. Overall, the percentage change for Americans was marginal.

Close to 16 percent of consumers were covered by Medicaid, which was close to 2009's figures, the report noted. Slightly less than 10 percent of minors lacked in health insurance. This is 7.3 million people, overall. The uninsured rate for poverty-stricken children was 15.5 percent, and this figure was much higher than the overall rate for children - 9.8 percent.

The uninsured rates for Americans declined in 2010, the report added. For households earning less than $25,000, nearly 27 percent were without insurance. But when examining households with salaries of $75,000 or more, the uninsured rate crashes to 8 percent.

This information could mean good things for the health insurance industry, as more consumers may be going out of their way to ensure they are covered.

Study: Doctors fees affect health insurance costs

nospam@example.com (Brafton) — Fri, 09 Sep 2011 02:00:00 -0500

A recent study from Columbia University found that in the United States, doctors are paid much higher fees than most other nations, which has raised health insurance rates, according to The New York Times.

The study found that the overall incomes of both orthopedic surgeons and primary care doctors were much higher in America, but not due to the cost of medical practice, volume of service, tuition or other costs. The problem was mainly due to the higher fees they charge insurers, the news source reported. Because of this, lawmakers have had difficulty lowering healthcare costs.

"Fees paid by public payers to orthopedic surgeons for hip replacements in the United States are considerably higher than comparable fees for hip replacements in other countries," the report noted, according to the news source. "[F]ees paid by private insurers in the United States for this service are double the fees paid in the private sector elsewhere."

The study also noted that primary care doctors earned nearly $187,000 annually on average, while countries such as France and Australia had their personnel earning less than $96,000 in 2008, the news source added.

Many Texans don't have healthcare

nospam@example.com (Brafton) — Wed, 07 Sep 2011 02:00:00 -0500

More than one out of every four Texans do not have health insurance, according to a recent Gallup Poll.

The state was by far the one with the highest amount of uninsured persons, with Mississippi and Alaska coming in second and third. The Magnolia State had 24.5 percent of its population uninsured, while 23.5 percent of Alaskans lack coverage, the poll noted. The West and South dominate the highest amount of uninsured list.

Overall, nearly 17 percent of Americans over the age of 17 were without insurance during the first part of the year. This is close to the 16.4 percent during the same time period last year.

Some states did post impressive healthcare numbers, the poll noted. Massachusetts ran away with the title of "Lowest Percentage of Uninsured Residents," with only 5.3 percent without coverage. Vermont came in second, with just over 9 percent of its population uninsured, and Minnesota reportedly had 9.4 percent of its population without health insurance.

Much of the reason for the Bay State's success is the fact that health coverage is mandatory in the state, the poll added.

Health insurance may not change drastically in 2012

nospam@example.com (Brafton) — Wed, 24 Aug 2011 02:00:00 -0500

Many companies are planning to make only modest changes to their group health insurance offerings despite new regulations created by the Patient Protection and Affordable Care Act, according to Towers Watson.

While employers may not be make vast changes to their benefits packages they are making attempts to control costs, and 88 percent of those polls stated that they were making plans to reduce overhead and avoid health insurance excise taxes. These companies may be aided in their efforts as healthcare costs are set to see moderate increases this year, the source reports.

Between 2010 and 2011, health insurance expenditures rose 7.6 percent. However, costs are predicted to rise 5.9 percent in 2012, according to the source.

Despite diminished inflation, many companies are still devising plans to share health insurance spending with their employees, according to the source. These changes may include higher deductible plans and incentives for employees that display healthier habits and utilize preventative care methods.

"A small group of employers is driving more fundamental change in 2012 by using account-based platform designs, aggressively positioning incentives and rethinking subsidization levels," Ron Fontanetta of Towers Watson said.

Students may want to consider alternative health insurance

nospam@example.com (Brafton) — Tue, 23 Aug 2011 02:00:00 -0500

While the Patient Protection and Affordable Care Act may still be a hotly debated topic in many political circles, many of its mandates are already taking effect and its stipulations will likely change the healthcare industry, according to the Boston Consulting Group.

The health insurance industry will become more consumer driven and slow healthcare spending in many areas, the source explains. Many health insurance providers are already revamping their platforms in order to meet the demands of healthcare reform, and more often than not, companies are looking towards a consumer directed health plan model.

"To control medical costs, insurers are relying on initiatives that revolve around the quality of care and patient outcomes," explained report co-author Dr. Martin B. Silverstein. "There is growing recognition that these approaches represent the best chance to bend the cost curve."

While the business-to-business model will likely still play a part in the health insurance industry, health insurance exchanges will create the opportunity for business-to-individual selling relationships to grow. As a result of the shift towards consumer-driven plans, insurers may need to focus on creating new innovative products that will appeal to the masses in a free marketplace, according to the source.

Shopping for health insurance may be getting simpler

nospam@example.com (Brafton) — Wed, 17 Aug 2011 02:00:00 -0500

Thanks to efforts by the U.S. Department of Health and Human Services and the Patient Protection and Affordable Care Act, selecting a health insurance provider and appropriate coverage will be getting simpler for many Americans.

New rules governing how information on plan benefits is relayed to businesses seeking group health insurance and individuals seeking coverage were recently proposed by the HHS. The legislation will mandate that health insurers provide consumers with an easily understood explanation of benefits as well as a glossary of commonly used health insurance terms for individuals to refer to, according to HHS.

The new rules are set to take effect in 2012, and insurers will need to provide the information before consumers purchase health insurance plans, the HHS reports.

"Today, many consumers don’t have easy access to information in plain English to help them understand the differences in the coverage and benefits provided by different health plans," explained Kathleen Sebelius, Secretary of HHS. "Thanks to the Affordable Care Act, that will change."

Having access to benefit information written in plain English may become even more important in the coming years, as many Americans may choose to take advantage of health insurance exchanges in the future.

Impact of health insurance exchanges may vary

nospam@example.com (Brafton) — Mon, 15 Aug 2011 02:00:00 -0500

While some predict that health insurance exchanges may all but eliminate employer-sponsored group health insurance, some benefits brokers are more optimistic about future growth, according to MetLife.

A recent survey conducted by the insurance company found that 52 percent of the benefits consultants polled felt that large companies - those with 1,000 or more employees - would continue to see growth when it comes to health insurance benefits.

While the results for mid-sized companies were not as positive, some still expected expansion. Of those brokers and consultants polled, 31 percent expected small and mid-sized businesses to bulk up on benefit packages int he near future, according to the source.

"While wary of how health care reform might change their own business operations as well as those of their clients, four out of five benefits brokers and consultants say their firms are actively exploring new models and strategies in order to stay relevant and pursue growth opportunities," explained Anthony Nugent of MetLife.

While some of these companies may be downsizing when it comes to health insurance after the exchanges are rolled out in January 2014, many state that they may consider offering voluntary benefits to their staff to supplement public health insurance, the source reports.

Gay marriage may curb domestic partner health insurance coverage

nospam@example.com (Brafton) — Fri, 12 Aug 2011 02:00:00 -0500

With some states recently passing laws to allow for same sex marriage, some may be speculating whether the new legislation will put an end to domestic partner health insurance benefits in the nation.

Some experts believe that in states where same-sex marriage is legal, businesses will stop extending group health insurance to non-married partners. Furthermore, newly married gay couples will face the same health insurance requirements as their heterosexual counterparts, the source explains.

With only seven states currently condoning same-sex unions, the shift away from domestic partner benefits may be a ways off, according to the source.

However, in states like New York, where gay marriage was recently made legal, some companies are already considering dropping health insurance coverage for domestic partners. Several businesses are reporting that after a grace period, they will discontinue the employee benefit, as domestic partners transition into spouses. But other institutions will not be so fast to act, according to the Ithaca Journal.

"Not recognizing domestic partners anymore would go against our inclusiveness message," Paul Bursic of Cornell University explained to the source.

Health insurance is all about location, study says

nospam@example.com (Brafton) — Thu, 11 Aug 2011 02:00:00 -0500

While most Americans struggle with rising healthcare costs, a recent report by Thomson Reuters explains that some individuals may be paying much more for health insurance because of where they live.

The study found that there was a large discrepancy in individual health insurance costs in the nation based upon geographic location. Consumers in Ogden-Clearfield, Utah, faired the best, with an average annual insurance premium of $2,623 per person, the source reports.

While many may have expected high-priced cities like New York and Los Angeles to top the list, however, Anderson, Indiana, actually had the highest health insurance costs. The average resident in the metropolitan area pays $7,231 for healthcare each year, according to the source.

While prices may cover a wide range, quality of care does not seem to be compromised in lower-priced areas, the source explains.

"Studying these geographic variations can help us identify locations where healthcare costs are less, yet the quality of care and outcomes are not compromised," said the chief medical officer for Thomson Reuters, Ray Fabius. "Understanding where, why, and how medical care costs less can provide solutions to control our nation's healthcare spending."

Health insurance may soon be available over the counter

nospam@example.com (Brafton) — Wed, 10 Aug 2011 02:00:00 -0500

Walgreens may be getting a jump on health insurance exchanges this fall, as the national pharmacy chain will soon be selling health insurance, according to The Chicago Tribune.

While company officials could not confirm or deny their plans, a spokesman explained that no option was off the table, according to CNNMoney.

"As always, we're looking at a number of options in light of health care reform as we continue to seek ways to help our customers better navigate today's health care system," an unnamed company spokesman said, according to the source.

Health insurance exchanges are not required to be fully functional until 2014. However, several companies that are not known for offering healthcare coverage may be getting into the ring when it comes to health benefits. In addition to retail stores like Walgreens, financial institutions and a paycheck processor have been singled out as possible health insurance providers, the source reports.

Walgreen’s product will offer variety when it comes to cost and level of coverage. The health insurance is slated to be sold national through a private exchange, according to the source.

Pre-existing insurance gets a reduction in California

nospam@example.com (Brafton) — Wed, 03 Aug 2011 02:00:00 -0500

Californians with pre-existing conditions may be getting a break on health insurance premiums thanks to new legislation approved by the state's Managed Risk Medical Insurance Board and the federal government.

The board recently received federal approval to lower health insurance payments for individuals who qualify for the Pre-existing Condition Insurance Program. The discounts will be determined by age and location of the health insurance subscriber and individuals can save between 8.2 and 24.3 percent on their premium payments, according to MRMIB.

The new premiums took effect on Monday, August 1, the source reports. Many may be relieved by the legislation, as those with conditions like asthma and diabetes may have significant difficulty obtaining affordable quality health insurance as a result of their illness.

"We believed premium cost was a barrier to access for some Californians," explained Cliff Allenby, chairman of MRMIB's board. "We want to make sure that everyone who qualifies for this program has access to its benefits and is not deterred by price."

Officials hope that the premium reductions will offer a solution to citizens struggling to keep up with rising healthcare costs.

Employers may opt for fines over paying for health insurance

nospam@example.com (Brafton) — Wed, 27 Jul 2011 19:00:00 -0500

While 2014 may seem like a long time off, many business owners are already considering whether or not they will "pay or play" when the healthcare reform bill begins to impact insurance benefits in 2014, according to CFO Magazine.

While the penalties for opting out of employer backed health insurance will be somewhat steep - $2,000 per full time employee - some are saying that they may still drop company coverage and send staff to seek out their own plans through health insurance exchanges, the source reports.

"Over the past year I've talked to many CFOs about pay or play, and more often than not they've said that the annual penalty is less than what they're paying now," Ed Bray, and insurance expert, told the source.

A recent survey conducted by McKinsey & Company supported these opinions. The report found that 30 percent of business owners stated that they would either definitely or probably discontinue group health insurance coverage after 2014. While there were fewer entrepreneurs completely decided on dropping coverage - only nine percent were definitely going to "pay" - the statistic could be indicative of a trend to look out for once health insurance exchanges develop

Health insurance may add allure

nospam@example.com (Brafton) — Wed, 27 Jul 2011 02:00:00 -0500

A recent survey conducted by Kelton Research found that many single young adults between the ages of 18 and 30 think that having health insurance makes an individual more attractive.

Of the 506 men and women polled, 90 percent of college students and 93 percent of graduates stated that a potential mate that had health insurance was more appealing. Furthermore, many respondents reported that they would be willing to give up some of their everyday luxuries in order to obtain health insurance for themselves, the source reports.

Many individuals - 68 percent - would be willing to eat at home and forgo a weekly night out at a restaurant if the end result was a health insurance policy. Weekly movie nights and daily coffee may also be cut for healthcare, as 65 percent and approximately 50 percent of those questioned, respectively, stated they would trade those things for coverage, according to Kelton.

Young adults also indicated that they would avoid certain activities if they were not covered by health insurance. For example, many reported that they would not ride a motorcycle, ski or rock climb if they did not have access to healthcare through an insurer, according to the source.

Small business owners underwhelmed yet unfamiliar with healthcare reform

nospam@example.com (Brafton) — Wed, 27 Jul 2011 02:00:00 -0500

The Patient Protection and Affordable Care act was designed in part to make health insurance available to those consumers that do not currently have access to affordable care. A large part of the legislation is aimed at small businesses, which are not generally able to carry the high costs of group health insurance premiums on their own.

However, many small business owners have expressed skepticism when it comes to the small business benefits of the legislation, according to the National federation of Independent Business.

In a recent survey, the NFIB found 87 percent of companies that do not currently offer health insurance to their employees would not be prompted to do so by tax incentives created by the bill. Furthermore, 20 percent of small ventures expect to make changes to their current health insurance packages that will include decreased benefits, a spike in premiums or both.

While these entrepreneurs expressed negative sentiments against the PPACA in the survey, they also did not claim to have a vast knowledge of the bill on the whole. Only 18 percent of respondents claimed great familiarity with the Act, while 40 percent were "somewhat familiar."

Health insurance gets steeper for college employees

nospam@example.com (Brafton) — Tue, 26 Jul 2011 02:00:00 -0500

Health insurance costs are rising for many in the nation, and college professors and other employees are not faring any better than most. Group health insurance coverage for college employees is set to rise in the upcoming school year, according to the College and University Professional Association for Human Resources.

CUPA-HR's 2011 Comprehensive Survey of College and University Benefits Programs recently found that the average price of health insurance would rise by 7.3 percent during the 2011-2012 school year. These increases were predicted to be across plan types and will affect HMO, PPO and POS members.

Now, college employees will pay a median price of $5,868 for individual health insurance coverage. Family health insurance will cost $16,388 on average, the source reports.

With increased premiums and rising out-of-pocket costs due to copays and up-front deductibles, many institutions will also be offering wellness programs and voluntary benefits. Of the 415 establishments polled, 60 percent reported that they would, or have, implemented employee wellness programs, which can positively impact wellness and healthcare costs. Additionally, voluntary benefits are being offered by most schools to supplement healthcare expenses, CUPA-HR explains.

Voluntary benefits work as health insurance backups

nospam@example.com (Brafton) — Tue, 26 Jul 2011 02:00:00 -0500

Healthcare costs are already nearly unaffordable for some, and an increasing number of health insurance plans currently come with high copays and upfront deductibles, as health insurers and businesses move to shift more of the cost burden towards employees. In light of this, voluntary benefits could be on the rise, according to Entrepreneur.

Accident insurance and critical illness insurance will likely see the greatest gains, according to A.M. Best. Small businesses may be especially inclined to see a spike in demand for these supplements to health insurance as companies with fewer employees may purchase their group health insurance coverage through the health insurance exchanges that will be up and running in 2014.

As healthcare costs continue to rise, voluntary benefits will likely persistently do the same.

Because these benefits pose no financial risk to business owners, they are being seen as an effective way to pad employee benefits without incurring high annual costs, Entrepreneur reports.

"Lots of small companies are saving money by increasing deductibles on their healthcare plans and offering voluntary benefits to bridge the gap," business owner Steve Roper told the news source.

Health insurance costs worry many Americans

nospam@example.com (Brafton) — Mon, 25 Jul 2011 02:00:00 -0500

In a recent Gallup poll, Americans reported that a lack of liquid assets and rising healthcare costs were the top two financial concerns for their families.

In the poll, conducted in early July, 17 percent of respondents cited lack of cash as a major concern. Affordability of needed healthcare came in a close second at 12 percent, Gallup reports.

Women were more concerned about health insurance costs on the whole, as 16 percent of the females polled expressed concern over paying for medical care. However, males did not find paying for healthcare as pressing as their feminine counterparts. While health insurance costs remained in the top five financial concerns for men, only 8 percent of male respondents ranked it as their prime concern, according to Gallup.

While individuals may not be able to change the tide of rising health insurance costs, they can change some habits and thereby curb personals medical debts. Prevention is possibly the best remedy, according to WebMD.

Staying healthy through exercise and a balanced diet is one important way to ward off unwanted medical bills, the source reports. Following through with routine care and doctor’s recommendations is another simple way to avoid potentially costly illnesses.

Union workers have leg up on health insurance

nospam@example.com (Brafton) — Fri, 22 Jul 2011 02:00:00 -0500

Union members may have an advantage when it comes to obtaining employer-sponsored health insurance. The Employee Benefit Research Institute recently noted that union employees were covered by employer provided group health insurance more often than their non-union counterparts.

As of 2007, 82 percent of union contracted employees and 55.9 percent of non-union staff were covered by business sponsored health insurance. By 2009 those percentages fell to 80.4 and 52.2, respectively. While that shows less than a 2 percent dip for union workers, it was a 6.5 percent drop for non-union employees.

"The analysis shows that unionization is a key to many workers having health benefits, and that during tough economic times, union worker health benefits suffer less," EBRI's Paul Fronstin explained.

With union membership on the decline in the private sector, employee-sponsored health benefits could see even greater declines in the coming years. Luckily, the Patient Protection and Affordable Care Act may make purchasing health insurance easier for individuals in the future when health insurance exchanges become law in 2014. However, many workers are currently left holding the ball when it comes to accessing healthcare today.

Consumers can save health insurance dollars with smart prescriptions

nospam@example.com (Brafton) — Fri, 22 Jul 2011 02:00:00 -0500

Prescription drugs make up a large part of overall health insurance costs for most people. The elderly are especially prone to shelling out substantial amounts of money each month to refill their medicine. While prescriptions cannot be eliminated, shopping smarter can help save healthcare dollars, according to the San Francisco Chronicle.

Those looking to reduce drug costs should not be afraid to consult their physician or pharmacist for advice on how to do so, according to the source. As experts, doctors and pharmacy consultants can point consumers trying to lower health insurance copays in the right direction.

Buying larger pills and cutting them and scouring local pharmacies for the best prices are two additional ways to curb costs, the source reports. For pills that are not time-released, buying larger tablets and cutting doses in half can be an easy way to cut prices. Different stores may also have different rates, so calling around to ensure one is getting the lowest price is a good strategy.

Perhaps the best way to lower monthly medical bills is to go generic, according to the source. There are plenty of generic options already on the market, and as NPR points out, big names such as Lipitor are about to lose their patents, making more affordable options readily available.

Pennsylvania invites the public to weigh in on health insurance exchanges

nospam@example.com (Brafton) — Mon, 18 Jul 2011 02:00:00 -0500

The commonwealth of Pennsylvania recently announced that it would hold a series of forums designed to get resident feedback on the upcoming implementation of health insurance exchanges in the state, according to the Pennsylvania Insurance Department.

"Under federal health care reform, states can develop their own exchanges, or default to the federal government," explained insurance commissioner Mike Consedine. "The Insurance Department is currently exploring options for our health care consumers, payers and other stakeholders."

Health insurance exchanges will need to be in effect in each state by January 2014, and the programs are designed to offer competitively priced health insurance plans to individuals and small business, according to The Kaiser Family Foundation. To many who are facing rising healthcare costs that are difficult to keep up with, the exchanges offer a welcome relief.

These exchanges will also provide easy-to-understand information about policy coverage to aid consumers in their health insurance decisions, the organization reports.

The three information sessions scheduled by the PID will take place in August, and all interested parties are welcome to register for the events, which will last approximately six hours each.

Autism services now covered by health insurance in California

nospam@example.com (Brafton) — Fri, 15 Jul 2011 02:00:00 -0500

Californians have won a battle against two primary health insurance companies in the state when it comes to covering services for autistic children. Blue Shield of California and Anthem Blue Cross have both agreed to cover medically necessary applied behavior analysis for children suffering from autism spectrum disorders, according to The Los Angeles Times.

The health insurers had previously argued that treatments for autism fell under educational services, and not medical treatments. While the companies claim they were not in the wrong for previously denying autism related claims, they have come to an agreement with the California Department of Managed Health Care, the source reports.

BSC and ABC will now cover up to six months of medically necessary autism treatments for its HMO members. The state is also working on a similar agreement with Kaiser Permanente HMO, according to the source.

According to the Centers for Disease Control and Prevention, one in every 110 children suffer from an autism spectrum disorder. As the number of Autism cases rise nationwide, the importance of medically covered autism services is becoming an important issue, and many in California may be breathing a sigh of relief as relevant services will now be within reach.

Consumers should be aware of the health insurance appeals process

nospam@example.com (Brafton) — Tue, 12 Jul 2011 02:00:00 -0500

Many consumers may believe that once a health insurance claim is denied the issue is a done deal. However, as the Los Angeles Times points out, many claims may be denied because of a billing or eligibility issue that could easily be worked out through the member appeals process.

While the process may be time consuming and irritating, it is quite likely that one's efforts will be rewarded, as about half of all appealed medical claims are overturned, according to the source.

The New York Times offers advice to individuals who are looking to question some of the decisions their health insurance company has made. Being aware of the details of personal benefit coverage and knowing the amount of time allotted to file an appeal is prime among the tools needed to go through the appeals process.

Equally important is having paperwork and notes to support an argument. Consumers should retain doctor's bills, their evidence of coverage, denial letters and the like on hand. Furthermore, taking detailed notes on interactions with the insurance company, doctors and human resource departments may prove helpful when constructing an argument, the source reports.

Same-sex marriage in New York gives dependents healthcare access

nospam@example.com (Brafton) — Tue, 05 Jul 2011 02:00:00 -0500

The recent legalization of same-sex marriage in New York has brought issues of health insurance benefits to the forefront in the state.

The New York Times reports that before gay marriage was declared legal, health insurance costs were one issue effecting gay couples. Now that the unions are legal, companies that had extended benefits to married couples only will have to extend the same benefits to same-sex couples that wed.

While many same-sex couples already have access to dependent coverage through certain employers, The Associated Press points out that non-married individuals must pay a tax on their employers contribution to non-related dependents on their insurance plans. The new law will enable such couples to legally wed and therefore forgo the extra cost.

However, some same-sex couples remain undecided on whether or not to take advantage of the ability to merge two health insurance plans into one.

"We're going to have to sort of re-evaluate and decide whether it's more cost-effective to be under one plan or not," New York resident Andrew Troup told the AP.

Managed care gains momentum

nospam@example.com (Brafton) — Fri, 01 Jul 2011 02:00:00 -0500

In the age of ballooning health insurance costs and limited access to quality care, many on both sides of the health care industry are searching for solutions to the healthcare issue.

In an attempt to control inflation, many health insurance companies are making moves toward managed care, as system in which the insurance company owns and operates a group of doctors or a particular facility.

United Healthcare is one insurance company that has begun to acquire doctors groups in certain regions, according to Kaiser Health News. The healthcare giant is not the first insurer to opt for the business model.

The Wall Street Journal recently reported that Highmark, an insurance company based in Pittsburgh, Pennsylvania, was making moves to acquire the second-largest hospital chain in their region.

In these managed care structures, insurance companies employ the doctors who work in their facilities. Instead of receiving fees for service, these physicians receive salaries. The model is intended to prevent unnecessary tests and procedures from occurring, which in turn can save consumers on premiums and out of pocket costs.

Self-management may help save healthcare dollars

nospam@example.com (Brafton) — Thu, 23 Jun 2011 02:00:00 -0500

While many individuals stress over the lack of affordability when it comes to health insurance, some may not realize that some of their healthcare habits are helping to put added strain on an already exacerbated situation.

Primary care providers from across the nation recently reported as many as 10 percent of all office visits are unnecessary, according to the Consumer Healthcare Products Association (CHPA).

CHPA predicts the healthcare industry could save upwards of $5.26 billion each year if patients attempted to treat small injuries and ailments at home. Furthemore, the company estimates that if non-essential doctor's visits were cut in half, the number of yearly visits to primary care offices would be slashed by $26.3 million.

"As consumers face rising healthcare costs and a pending primary care physician shortage, and as lawmakers look to reign in healthcare spending, these data show how over-the-counter medicines are smart solutions for affordable healthcare, especially at this critical time," explained CHPA president and CEO Scott M. Melville.

If consumers had adequate direction and information, CHPA asserts they could effectively manage minor health issues with over-the-counter products, saving both time and money and reducing the strain on an already overwhelmed healthcare system.

North Carolina man takes health insurance woes in his own hands

nospam@example.com (Brafton) — Wed, 22 Jun 2011 02:00:00 -0500

Many Americans struggle with finding affordable health insurance to cover themselves and their families. Those with preexisting conditions may find it even more difficult to obtain the health insurance they require. One North Carolina man who could not see any other alternatives decided that the only way to get the healthcare he needed was to go to jail, according to ABC.

James Verone has been suffering from chronic back and foot pain for some time, but when he noticed a bulge in his chest he decided it was time to take action. Unfortunately, Verone had been laid off from his job at Coca-Cola after 17 years and had been unable to secure any lucrative full-time employment, ABC reports.

Feeling as though his options were limited and not wanting to burden his family, Verone decided his only course of action was to commit a crime in order to obtain healthcare as an inmate. The 59-year-old donated or sold his belongings and sent a letter to local paper, The Gaston Gazzette reports.

"When you receive this, a bank robbery will have been committed by me. This robbery is being committed by me for one dollar," Verone wrote, according to source. "I am of sound mind but not so much sound body."

Medical malpractice reform and its effect on health insurance

nospam@example.com (Brafton) — Tue, 14 Jun 2011 02:00:00 -0500

Medical malpractice insurance can be a costly expenditure for many doctors, and those costs are often passed along to consumers who are faced with increasing fees for services and high health insurance premiums as a result.

In an attempt to reduce the monetary burden created by medical malpractice, many districts are employing judge-directed negotiation. The Obama administration feels that the shift to mediation will have a positive impact on liability expenses, and in turn, health insurance rates, according to The New York Times.

Officials in New York told the news source that while their judge-directed negotiation program may result in smaller payouts, it will also help to avoid lengthy legal battles and get compensation to individuals much quicker.

The Department of Health and Human Services recently announced that it would be providing grants to help implement new approaches in medical liability and patient protection. The New York State Unified Court System was one such recipient and it plans to use the funds to expand its existing methodology.

James B. Battles of the federal Agency for Healthcare Research and Quality told The New York Times that he hoped others take notice.

"We would hope that other states across the country would look at this as a model they might want to replicate," he said.

Insurer caps profits in an effort to curb growing rates

nospam@example.com (Brafton) — Thu, 09 Jun 2011 02:00:00 -0500

In recent years, health insurance has become less affordable for the average American, while dividends at many insurance companies have grown. In an effort to reverse this unsettling trend, Blue Shield of California (BSC) announced this week that it would limit company profits and return consumer dollars.

The health insurer intends to limit net income to 2 percent of its revenue, and also plans to return $180 million dollars to its members and the surrounding community. Bruce Bodaken, chairman and CEO of BSC elaborated on the company’s new financial agenda in a speech at the Commonwealth Club in San Francisco.

"From now on we will set our rates to generate no more than 2 cents in profit for every dollar in revenue," he said. "If at the end of any year we wind up with net income above that amount because of lower-than-expected medical or administrative costs or higher-than-expected investment income, we'll return that amount to our customers and the community."

While the overall reaction to this news was positive, some consumer advocates expressed mixed reviews. For example, Anthony Wright of Health Access California stressed that the measure would not guarantee appropriate customer rates and that regulations were still necessary to control them, according to The New York Times.

How patients can navigate the murky waters of "usual and customary" healthcare pricing

nospam@example.com (Brafton) — Wed, 08 Jun 2011 02:00:00 -0500

With many Americans currently subscribed to health insurance plans that include high upfront deductibles, the importance of knowing how much health services will cost before submitting to treatment is growing. However, obtaining a fixed rate for a medical procedure is no simple task.

What many people do not realize is healthcare costs are largely determined based upon usual and customary rates that differ based upon region. Because fees are estimated, and projections are based on a myriad of factors, they are subject to frequent shifts. Furthermore, many healthcare providers will have different rates for insured and uninsured persons.

Shirley and Jim Abraham of Key Largo, Florida, told the Miami Herald of their financial ordeal with Jackson Memorial Hospital because the staff there reportedly inflated the price of a nuclear stress test for Shirley when they found out she had health insurance.

Insurers also adjust fee schedules based on usual and customary rates. CNNMoney explains that many health insurance companies will only pay claims up to the usual and customary prices for their region, meaning that patients can get balanced billed for the remainder of the charges.

The Healthcare Blue Book recommends combating such diversionary practices by getting fee schedules in writing prior to agreeing to any procedures.

ACOs may be able to pick up where HMOs left off

nospam@example.com (Brafton) — Thu, 02 Jun 2011 02:00:00 -0500

In an effort to stall the rapidly increasing cost of healthcare in the nation, many policy makers are promoting the implementation of Accountable Care Organizations (ACOs) to make affordable, high-quality care possible, according to The New England Journal of Medicine.

While the price of health insurance continues to balloon, the burden on individual subscribers is becoming heavier, as many plans now include ever-larger up-front deductibles. Because of this, the need to reform healthcare and curb costs is pressing.

Part of the Patient Protection and Affordable Care Act, ACOs are aimed at lowering costs without restricting which doctors a patient can see like a Health Maintenance Organization (HMO) would. It is thought that by organizing physicians and hospitals into groups, and rewarding them based on improved quality and value, expenses will be diminished as more patients will be able to maintain their health, according to Time Magazine.

Facilities and doctors will be rated according to quality-performance measures. Readmission rates, chronic condition management and efforts to improve over-all wellness through preventative services are all proposed performance markers, The New England Journal of Medicine reports.

Consumers losing confidence in healthcare

nospam@example.com (Brafton) — Mon, 16 May 2011 02:00:00 -0500

In April, Americans reported that they were experiencing difficulty paying for healthcare, causing consumer confidence in that area to drop to an unprecedented low, according to the Thomson Reuters Consumer Healthcare Sentiment Index.

The index, which was launched in December 2009, measures consumer experiences over a six-month period. This includes a prospective element of the survey that asks individuals to predict their ability to access healthcare over the next three months. April's ratings were the lowest the index has ever seen.

Several of those surveyed reported significant reductions or complete loss of health insurance in the preceding three months. This, in turn, led to numerous canceled doctors appointments and lapses in filling needed prescriptions. Many consumers also indicated that they believed they would continue to have trouble paying for healthcare in the upcoming months.

Gary Pickens, chief research officer at the Thomson Reuters Center for Helathcare Analytics, warned that those in the healthcare industry should heed the message the survey sends.

"This notable decrease in confidence should raise red flags for doctors, hospitals and public health officials," said Pickens. "If the loss of health insurance becomes a longer-term trend, it will be critical to monitor how access to healthcare is affected."

Study: Negative attitudes about heavy people have spread

nospam@example.com (Brafton) — Mon, 04 Apr 2011 02:00:00 -0500

It seems that "bigger is better" is no longer the mantra of many nations. In an effort to understand global views on body image, researchers from Arizona State University surveyed people in nine diverse locations, only to find that stigmatizing overweight individuals has become a world-wide practice.

Even cultures where larger bodies have traditionally been valued now express negative views about heavier people, leading researchers to conclude that Western beauty ideals have twisted the opinion of many groups. People from Mexico, Argentina, Paraguay, the U.S. and the U.K. were surveyed, along with cultures that have typically admired bigger bodies such as the American Samoa, Puerto Rico and Tanzania. When asked to agree or disagree with a series of body-image statements - such as "Fat people are lazy" and "A big woman is a beautiful woman," - a majority had responses that correlated with Western attitudes.

Suprisingly, the highest rate of negative responses did not come from the U.S. or U.K., but from Mexico, Paraguay and the American Samoa.

Amber Wutich, one of the study's authors, said people from areas that have only recently adopted negative attitudes toward overweight people were more strident in their opinion.

While being extremely overweight can lead to a variety of diseases that could raise health insurance rates, having a heavier build is not necessarily a risk. In an effort to change the general population's often unrealistic beauty ideals, companies like Dove have launched body image campaigns that advocate real, natural beauty.

MedPAC recommends co-pay for home health care

nospam@example.com (Brafton) — Mon, 28 Mar 2011 02:00:00 -0500

In its March report to Congress, the Medicare Payment Advisory Commission advised legislators to establish a $150 co-payment for Medicare recipients who request home care coverage that isn't preceded by a hospital stay, according to the American Medical Association.

Enrollees currently do not have a co-pay for those services, reported the news source. While proponents of the plan say it will reduce agency costs, others say the move could be harmful for many low-income, elderly people who receive health insurance coverage through Medicare.

In a statement, AARP came out against the recommendation, saying it would be a financial burden for many seniors.

While the source said MedPAC Chair Glen Hackbarth acknowledged it may not be feasible for some seniors, he added that the tailored co-pay is low enough for many Medicare recipients to manage, and high enough to discourage the use of home health care when it is unnecessary.

In 2000 there were 1.4 million people in the U.S. receiving home health care, according to the most recent statistics from the Centers for Disease Control and Prevention, a number that has likely increased due to the number of baby boomers who have aged since then.

Georgia plans to create insurance exchange

nospam@example.com (Brafton) — Thu, 24 Feb 2011 02:00:00 -0600

The state of Georgia plans to create a new way for citizens and businesses to obtain health insurance, and plans to put the idea into effect by 2014.

In lieu of a current national insurance law, the Georgia state government has plans to take up the health insurance issue with their citizens and run its own health insurance exchange, as some state lawmakers want the federal law overturned.

Ralph Hudgens, Georgia's insurance commissioner, developed the idea after he was unhappy with the federal government's bill, the Patient Protection and Affordable Care Act.

Hudgens told the Atlanta Journal-Constitution, "We feel we can create an exchange that will meet the needs of the Georgia citizens better than the federal government."

Large companies and their employees most likely will not be affected either way. These companies usually have health insurance, already. For smaller businesses and individuals the process is not as easy, especially in 2014, when most Americans will be required to have insurance. This may be vital to make sure Georgian citizens are insured in the coming years.

According to the news source, one in five Georgians currently lack health insurance.

Comic book by MIT economist to explain health insurance reforms

nospam@example.com (Brafton) — Thu, 10 Feb 2011 02:00:00 -0600

While super powers and skin-tight costumes will presumably be conspicuously absent, a comic book by Massachusetts Institute of Technology economics professor Jonathan Gruber will nonetheless attempt the heroic task of explaining President Barack Obama's health insurance reforms to the American public via a comic book.

Gruber has long been one of the most vocal advocates for the mandatory coverage provisions which is at the center of the national debate over the new law. He told USA Today that "the bottom line is there is no alternative to the individual mandate that gives us close to comparable results."

According to the Boston Herald, however, he was opposed to the idea of creating a comic book version of his arguments for the healthcare bill, but his children - and a persistent publisher at Hill and Wang - insisted he give it a try.

The comic book aside, Gruber's message is that the healthcare reforms are a matter of safety, according to the Herald.

"There's a fundamental lack of economic security in our country. If you don't get insurance from your employer, you are one bad gene, or one bad car accident away from losing everything," he said.

Poll shows Americans still deeply divided on healthcare reform

nospam@example.com (Brafton) — Wed, 26 Jan 2011 02:00:00 -0600

The American public is seemingly in two minds about President Barack Obama's healthcare reform legislation passed in 2010, according to the results of a poll from the Kaiser Family Foundation and the Harvard School of Public Health.

While the number of Americans in favor of repealing the healthcare reforms rose slightly since the last poll taken by those organizations - 50 percent of respondents had an unfavorable view of the law, compared to 41 percent in December 2010 - widespread opposition was seen to what experts say will be the GOP's likely strategy if their outright repeal fails. This entails defunding individual parts of the law and pushing it back piecemeal.

Big majorities, moreover, are in favor of some of those provisions, particularly subsidies for health insurance for low- and middle-income Americans and the closure of the Medicare doughnut hole, at 79 percent and 83 percent respectively.

Major entitlement programs - which make up a huge proportion of the federal budget - are popular with respondents, as large majorities say cuts to Medicare and Social Security are a bad idea, the pollsters said.

Healthcare unit posts big profits for GE

nospam@example.com (Brafton) — Wed, 26 Jan 2011 02:00:00 -0600

GE Healthcare, the corporate giant's medical wing, reported an 8 percent uptick in revenues during the fourth quarter of 2010, the company said in its annual earnings conference last week.

Additionally, the company said, the segment was 10 percent more profitable during the end of the year, and GE indicated this was a continuation of its healthcare business' strong performance recently.

The company attributed the ongoing good performance to increased equipment orders, which rose by 11 percent.

CEO Jeffrey Immelt praised the company's overall performance, saying in a statement that the numbers indicated a continued strong showing was likely.

"GE ended 2010 with three consecutive quarters of strong earnings growth. Industrial segment revenue was up 4 percent, with industrial organic growth of 6 percent. Fourth quarter orders grew 12 percent year-over-year, with a 20 percent increase in equipment and a 5 percent expansion in services. Importantly, overall orders in energy infrastructure grew 4 percent," he said.

Advancing healthcare technology is critical to providing more effective treatment and driving down health insurance costs, experts say.

New partnership between IBM and healthcare consultants to provide improved data access

nospam@example.com (Brafton) — Mon, 10 Jan 2011 02:00:00 -0600

A collaborative effort to streamline and modernize the way medical professionals access patient records and health insurance information has been launched by tech giant IBM and the Premier Healthcare Alliance, the companies announced last week.

Executive vice president of clinical operations at Geisinger Health System Lynn Miller said making information access easier could save lives.

"We know that effective data can improve outcomes, reduce readmissions and eliminate duplicative and unnecessary care. Doctors, hospitals and insurance companies using information-sharing platforms set the true foundation for redesigning how healthcare is delivered and paid for," Miller said.

The two companies said in their joint statement that their project could help reduce poor medical outcomes and reduce health insurance costs in the long term, according to recent research.

Experts have long held that centralizing medical information in a digital storage space can help standardize and unify all necessary patient data, making it less likely that mistakes will be made in patient care or billing. So-called electronic health records - or EHRs - are becoming more commonly used.

Number of uninsured Americans increase

nospam@example.com (Brafton) — Thu, 30 Dec 2010 02:00:00 -0600

A growing number of Americans do not have health insurance, according to data released by the Kaiser Foundation.

The research reveals a 4.3 million person increase between 2008 and 2009 of uninsured citizens, amounting to 50 million people. With nearly 20 percent of the population lacking coverage, people have been trying to determine what is fueling the trend.

The report reveals that no one is immune from being uninsured. People of all ages, races and income levels can be found lacking coverage. That being said, nearly 40 percent of families of four making less than $22,050 are uninsured.

With a persistently high unemployment rate and economic turmoil, it is believed many people simply cannot find affordable health insurance quotes if they are not offered coverage through an employer and don't meet income requirements for federal plans.

Under healthcare reform, most Americans will be required to have health insurance. Many people who are uninsured neglect to see a physician, even if they are ill. If coverage levels rise and the 50 million uninsured obtain health insurance, there is potential for a shortage of medical care professionals.

Premium hike causes health insurance enrollment to decline

nospam@example.com (Brafton) — Wed, 15 Dec 2010 02:00:00 -0600

At a time when healthcare is supposed to be more affordable and accessible, some people are finding it more difficult to pay for coverage. The Associated Press reports that fewer people are enrolling in Missouri's healthcare plan for state employees.

According to documents obtained by the news organization, enrollment in the state program has dropped 5 percent since the announcement of a plan change requiring higher insurance premiums.

The Associated Press that reports American Federation of State, County and Municipal Employees in Missouri spokesman Joe Lawrence says it's unfortunate many do not deem the rates offered as affordable health insurance quotes.

"It's disappointing that many state workers responsible for providing care to other Missourians are now unable to afford health coverage for themselves and their families,'' says Lawrence.

Even though health insurance may seem high for some people, it can be even more costly not to have coverage. A serious injury or major illness can result in thousands of dollars in medical bills. Even those who are young and generally healthy will benefit from the insurance.

Group voices opposition to premium hike denial

nospam@example.com (Brafton) — Mon, 13 Dec 2010 02:00:00 -0600

A major health insurance company has been denied a premium rate increase by the Connecticut Department of Insurance. Now, a health insurance trade group is voicing its opposition.

Given the large percentage of residents the provider covers, Insurance Commissioner Thomas Sullivan announced plans to hold a public hearing for the filing earlier this year.

Since that time, the insurer's 20 percent rate hike was denied in what America's Health Insurance Plans president Karen Ignagni is calling a political move.

"[The denial] basically assumes we're not seeing any increases from hospitals, we're not seeing any increases from pharmaceutical companies, patients aren't using any additional services, doctors aren't prescribing any additional tests, treatments, etc. We know all of those things are not true," Ignagni says.

Health insurance companies are facing increased scrutiny in rate hikes, especially due to the recent overhaul of the healthcare system. Under new laws, an insurer must use at least 80 percent of premium payment funds on patient care.

Isurers have grappled with the new laws ever since their passaage. In some states, companies have tried to stop offering children's individual health insurance policies to help contain costs.

Survey gets insights from mothers on healthcare

nospam@example.com (Brafton) — Wed, 01 Dec 2010 02:00:00 -0600

Mothers are often the ones that make major healthcare decisions in a family. A survey sponsored by website whymomsrule.com found that many women have concerns about health insurance and how reform will affect their families.

According to the survey, the top concern for mothers is that healthcare reform will lead to less affordable health insurance quotes and higher overall medical costs. Additionally, more than half of those surveyed said they have put off getting medical care because it was too expensive.

Blogger Shari Day says lawmakers should focus in on issues that concern women.

"Moms want to know how reform is going to affect their lives," says Day. "As healthcare reform policies take shape at the highest levels of government, policymakers need to remember one thing - don't take your main audience for granted."

While there are many new provisions under the Affordable Care Act, some of them are of particular interest to those who struggle to pay for medical care. New health insurance plans will be required to cover all costs associated with preventative care.

Health insurance landscape changing

nospam@example.com (Brafton) — Mon, 29 Nov 2010 02:00:00 -0600

Healthcare reform doesn't just affect people with group or individual health insurance plans. Medical professionals also stand to feel the impact the new laws will bring.

A study by Conning Research and Consulting looked at how reform may change the medical operating landscape. Furthermore, the research investigated possible changes in pricing and new markets.

The study reveals that growth in the sector will be mitigated due to more competition and new regulations.

Conning director of research Stephen Christiansen says the healthcare market is changing, as is the way it responds to certain actions.

"The delivery of healthcare is changing and this will change the way medical professional liability insurers view and manage risk, defend claims, manage data, price policies, choose markets, and expand," says Christiansen.

Under healthcare reform, for example, insurers are no longer allowed to deny coverage based on a pre-existing condition. Furthermore, health insurance companies face increased scrutiny for proposed rate hikes. Companies will also be required to allocated a specified amount of premium payments specifically towards patient care.

Some insurance providers tried to opt out of offering child-only policies earlier this year. However,state regulators quickly clamped down on this behavior.

Diabetes helping to drive up healthcare costs

nospam@example.com (Brafton) — Wed, 24 Nov 2010 02:00:00 -0600

Diabetes diagnoses are increasing year after year, and the economic consequences of the disease can be devastating. Consumers may feel the impact of the condition through higher health insurance premiums.

According to a major health insurance provider, diabetes is responsible for 10 percent of healthcare spending in the country. That equates to approximately $194 billion this year alone.

A representative from the insurance company, says change needs to come from various sources to get the diabetes crisis under control.

"Making a major impact on the pre-diabetes and diabetes epidemic will require health plans to engage consumers in new ways, while working to scale nationally some of the most promising preventive care models," says the representative. "Done right, the human and economic benefits for the nation could be substantial."

Eating a balanced diet and getting regular exercise are key to preventing a type 2 diabetes diagnosis. Furthermore, living a healthy life style can help one save money through fewer doctor's visits and less medical care.

Consumers can also save money by searching for affordable health insurance quotes online.

PPO plans score poorly in California

nospam@example.com (Brafton) — Thu, 18 Nov 2010 02:00:00 -0600

California has released its findings on Preferred Provider Organization health plans. In 2007, California Insurance Commissioner Steve Poizner said he was going to ensure those covered with a PPO plan have the same access to information as those with an HMO.

The study found that PPOs in California received some of the lowest marks in the state and performed at average in comparison to other insurance providers in the state.

The insurers were graded on several factors including clinical best practices and customer satisfaction. Most of the insurance providers also received the lowest ranking possible for plan service.

"HMOs began reporting on quality in 2001, and I got PPOs to join the effort beginning last year," says Poizner. "I am grateful for their cooperation, but this report card shows they will have to do better. This should be their wake-up call."

Recent research shows that healthcare in the U.S. trails behind that of other industrialized nations. Data from the Commonwealth Fund shows that only 70 percent of Americans said they believed they would receive good care when they went to the doctor.

Survey predicts double-digit health insurance cost growth

nospam@example.com (Brafton) — Wed, 17 Nov 2010 02:00:00 -0600

Health insurance costs will likely experience double-digit growth next year, according to the Wells Fargo Insurance Services survey. The trend of costs edging upwards has been taking place over the past several years.

Average claims data for health maintenance organizations, preferred provider organizations, exclusive provider organizations point-of-service plans and consumer-driven health plans are all averaging around a 10 percent increase.

Wells Fargo senior vice president Dan Gowen says employers are taking steps to help combat the rise in healthcare costs.

"As claims and costs continue to increase for employee benefits, many employers are looking for innovative strategies to control risk, involve employees in their healthcare, and manage the effectiveness of every healthcare dollar," says Gowen.

Under healthcare reform, by 2014 each state will have its own health insurance market where people can purchase individual health insurance plans. The alternative source will give consumers more purchasing options and may ultimately result in them saving money if they find a cheaper plan than what is being offered through their employer.

Even though some may feel health insurance is expensive, costs for medical care can be even more exorbitant in the event of a major illness or serious accident.

Reform cited as a small factor in insurance rates

nospam@example.com (Brafton) — Fri, 05 Nov 2010 02:00:00 -0500

After questions continue to rise about how people will find affordable health insurance quotes as premiums increase year after year, the Colorado Division of Insurance has decided to help "set the record straight." Many people have asserted that reform is fueling rate hikes.

The department is in the process of reviewing rates, but so far, the state's insurance commissioner, Marcy Morrison, says reform isn't the source for premium increases.

"But what may be eye-opening for some people is that federal health reforms have contributed from zero to a maximum of 5 percent of those increases," says Morrison. "It's not the primary cause for increasing rates."

In a statement, Morrison says more doctor's visits, lab tests and an older population are fueling expenses.

Earlier this year, President Barack Obama signed healthcare legislation designed to expand medical services to people across the country. Those against the bill have said it should be their own decision whether to spend money on coverage. However, those in favor of the legislation say it makes healthcare more accessible to people who otherwise wouldn't get taken care of.

Health insurance rates projected to surge in Colorado

nospam@example.com (Brafton) — Fri, 29 Oct 2010 02:00:00 -0500

Colorado residents are going to find it a bit more difficult to find affordable health insurance quotes. Research from the Lockton Benefit Group predicts an average rate increase of 14.4 percent over last year. While costs will likely rise across the country, the anticipated hike in Colorado is the highest.

Companies aren't going to absorb the increase entirely. More than 70 percent of survey respondents indicated that employees would be expected to pay higher premiums. Furthermore, deductible rates are high as well. The study found that just under 50 percent have a premium of more than $1,000, which marks an increase from last year and is higher than national averages.

Lockton Benefit president Bill Lindsay says higher health insurance premiums hurt Colorado residents.

"This makes it harder for Colorado employers to compete," says Lindsay. "Moreover, the resulting plan changes place Colorado workers at a greater disadvantage in terms of higher deductibles, out-of-pocket expense, and more significant premium cost sharing than their counterparts nationally."

Complying with healthcare reform was also noted as a concern for employers in the survey. The new laws will allow for adult children to stay on their parent's plan until age 26, which may prove to be costly to companies.

Survey finds double-digit rate increases expected next year

nospam@example.com (Brafton) — Wed, 27 Oct 2010 02:00:00 -0500

It doesn't come as a surprise to many people that healthcare costs are expected to rise next year. Most people have seen the amount of money they've been contributing towards insurance coverage take more from their paycheck. What may be new information for consumers, however, is how much premiums are set to rise.

The Milliman Group Health Insurance Survey reveals that the estimated increase for health maintenance organizations is more than 10 percent and nearly 12 percent for preferred provider organizations.

Some attribute the rate increases to healthcare reform. There are a number of new provisions the legislation brings, including requiring most people to have health insurance as well as prohibiting insurers from denying coverage based on medical history.

The survey found that many insurers plan to implement quality incentive programs as well as participate in the health insurance exchanges in 2014.

There are people who have managed to reduce the amount they spend on care. Flexible spending accounts, for example, allow people to set money aside tax-free and use the funds towards medical expenses. Consumers can also look for affordable health insurance quotes online to see if there are more cost-effective plans available.

Poll finds support for healthcare reform is declining

nospam@example.com (Brafton) — Mon, 18 Oct 2010 02:00:00 -0500

Healthcare reform stands to impact the lives of many Americans. From those who have searched for individual health insurance plans to those who have decided to forgo coverage, major regulations are still set to take effect.

However, even though reform is still in its infancy, the topic is set to be a major factor in the upcoming midterm elections. The Kaiser Health Tracking Poll has found that support for the Patient Protection and Affordable Care Act is waning somewhat.

The poll found that 44 percent of respondents are not in favor of the law, up from 40 percent. The proportion of those who favor the law stands at 42 percent, with the remaining 15 percent of those polled not having an opinion.

Some of the new measures under the Affordable Care Act prohibit health insurance companies from denying children coverage based on medical history and allow adult children to stay on their parent's health insurance plans until age 26.

There are still a number of provisions yet to be implemented. Effective in January, the law will allow for free preventative services for seniors on Medicare and prescription drug discounts.

Consumer group says California officials siding with insurers

nospam@example.com (Brafton) — Mon, 04 Oct 2010 02:00:00 -0500

Anyone who has looked for affordable health insurance quotes knows that rates have been increasing. A slew of healthcare regulations have been proposed and help mitigate rate hikes and make care more accessible.

Nonprofit organization Consumer Watchdog, however, says that recent acts by California Governor Arnold Schwarzenegger and state Senator Mark Leno will make it easier for health insurance providers to increase premiums. The group asserts that Californians stand to suffer financially because of the decision.

Consumer Watchdog executive director Doug Heller says that Schwarzenegger's signing of SB 1163 will allow health insurance companies to hike rates "virtually without restraint."

"Governor Schwarzenegger and Senator Leno teamed up to make it easier for health insurance companies to justify rate hike after rate hike," says Heller. "By 2014 every Californian will be forced to buy health insurance and this bill helps insurance companies while leaving consumers unprotected."

A number of health insurance companies have cited healthcare reform as their reason for recent rate increases. The Wall Street Journal reports that some insurers have been asking for premium increases between 1 percent and 9 percent.

Research finds healthcare costs at five-year high

nospam@example.com (Brafton) — Mon, 27 Sep 2010 02:00:00 -0500

When an employee looks at their paycheck, they might have noticed they are taking home less money than they used to could be attributed in part to rising healthcare costs.

Data from Hewitt Associates shows that healthcare costs have reached a five-year high. While reform cannot be held solely responsible for rate hikes, some are attributing a large portion of it to the new regulations.

Hewitt notes that employers are also seeing more high-cost claims being made. Hewitt healthcare practice leader Ken Sperling says the transitionary period between now and when many new provisions are implemented is making employers and their staffs struggle.

"Companies cannot afford to take a 'wait and see' approach to health care benefits," says Sperling. "Now is the time for organizations to be bolder about the strategies, programs and tactics they're using to contain cost and motivate employees to engage in their own health."

Having a workforce that is more engaged and motivated to be in shape may result in overall lower medical expenses and more affordable health insurance quotes. Many employers have begun to integrate wellness programs into their benefits packages to encourage employees to take control of their own well-being.

Survey finds healthcare costs expected to rise more than 8 percent

nospam@example.com (Brafton) — Wed, 15 Sep 2010 02:00:00 -0500

People need to prepare to pay more for their family health insurance coverage. A recent survey conducted by Towers Watson reveals healthcare costs are expected to rise more than 8 percent next year.

Nearly 60 percent of the 466 employers surveyed said they plan to make significant changes to their healthcare plans next year. The survey also revealed companies have increased employee contributions almost 50 percent since 2005.

Towers Watson senior healthcare consultant Ron Fontanetta says wellness programs are one way employers plan to cut back on expenses.

"Employers today understand that one of the keys to controlling long-term health care costs is to provide employees with the tools to personalize and manage their health," says Fontanetta. "They are also offering incentives to encourage employees to maintain their well-being and access to clinical support and advice."

People who hoped for a large pay raise to offset increased healthcare expenses may be disappointed. Non-profit human resources organization WorldatWork says employers are averaging a 2.5 percent salary budget increase.

Study: Disease severity higher at diagnosis in uninsured

nospam@example.com (Brafton) — Wed, 15 Sep 2010 02:00:00 -0500

Having adequate health insurance is important to one's overall well-being. In the event of a major accident or severe illness, the coverage can help pay for expenses one wouldn't be able to afford otherwise.

Some people, however, cannot afford individual health insurance and rely on government plans, such as Medicaid. Research released by the American Cancer Society shows that those who are uninsured or have coverage through Medicaid are diagnosed with more severe cases of prostate cancer than those with private plans.

The study authors say that the "strong associations between insurance and disease severity are likely to be related to lack of access to preventive services such as PSA screening and barriers to timely medical evaluation of urologic symptoms."

By 2014, most Americans will be required to have health insurance. People will be able to purchase coverage through several sources depending on their individual circumstances. Options include through an employer, health insurance exchange, or the government.

Seeking medical care when needed and having regular physicals can help prevent the onset of more serious medical conditions.

Healthcare costs anticipated to rise again next year

nospam@example.com (Brafton) — Tue, 14 Sep 2010 02:00:00 -0500

Healthcare costs are expected to continue their upward trend. In fact, double-digit rate growth is anticipated for next year, according to Aon Consulting's summer 2010 Health Care Trend Survey.

The survey of more than 60 healthcare insurers revealed that costs are projected to escalate more than 10 percent for HMO, POS, and PPO plans. An 11 percent increase is anticipated for CDH plans.

The cost increase could result in more people struggling to balance paying bills with their family health insurance premiums as employers shift more of the expense burden to their workers.

AON Consulting U.S. health and benefits practice director John Zern says employers must take multiple factors into consideration when reorganizing their benefit options.

"As employers start to fully understand the long-term cost impact of health reform, many are looking to redesign their health plans," says Zern. "Strong employee wellness and prevention programs, along with institutionalized best practices in care delivery, are key components to a successful redesign."

Even as costs rise for family health insurance coverage, it's still important to have. In the event of a severe illness or accident, health insurance can help cover expenses necessary to provide care.

New health website available in Spanish

nospam@example.com (Brafton) — Wed, 08 Sep 2010 02:00:00 -0500

Spanish speakers now have a new place to go when looking for affordable health insurance quotes and other health information. The U.S. Department of Health and Human Services has launched CuidadodeSalud.Gov to provide greater access to healthcare information for the country's Latino community.

Like its English counterpart, HealthCare.gov, CuidadodeSalud.Gov aims to provide people with information about public and private health insurance options in one location.

HHS Secretary Kathleen Sebelius says the website will be able to help inform the Latino population about the health services available to them.

"CuidadoDeSalud.gov like HealthCare.gov is an unprecedented website which provides consumers with the power of information at their fingertips," says Sebelius. "Individuals, families, and small businesses will be able to easily compare both public and private health coverage options tailored specifically for their needs."

Latinos have a higher incidence rate of certain conditions, such as diabetes. With proper information and care, type 2 diabetes can be prevented in many cases. The new website may make it easier for Latinos to be more informed on health conditions and ultimately lead to better care.

Consumers want to use their phone to monitor health

nospam@example.com (Brafton) — Wed, 08 Sep 2010 02:00:00 -0500

People use their cell phones for a variety of purposes, ranging from taking pictures to playing games. Recent research reveals a number of consumers would also be interested in using their cell phones to monitor their health.

A PricewaterhouseCoopers survey of 2,000 people found that more than 30 percent of consumers would use a cell phone application that would allow them to track and monitor their healthcare. Additionally, 40 percent said they would pay a fee for a service that would allow them to refill medications and access medical records.

PricewaterhouseCoopers leader of health information technology Daniel Garrett says there is a big market for electronic health access.

"There are significant opportunities for physicians, hospitals, health insurers, pharmaceutical companies and medical device manufacturers to market and differentiate themselves using mobile health," says Garrett. "Yet many healthcare organizations are largely ignoring the opportunity to integrate mobile health into other IT efforts such as the implementation of electronic health records."

Consumers can also use their cell phones to find health insurance quotes through their web browser, look for doctors and find other health-related services.

Study: Preventative care could lead to billions in savings

nospam@example.com (Brafton) — Tue, 07 Sep 2010 02:00:00 -0500

Preventative care can do more than stop people from coming down with certain conditions, it can save the healthcare system a substantial amount of money.

A paper produced by the National Commission on Prevention Priorities estimates that $3.7 billion could have been saved in 2006 if appropriate measures were taken. The research team analyzed costs of 20 proven preventative measures against the potential savings to derive the figure.

Partnership for Prevention president and CEO Dr. Robert Gould says the research highlights the importance of receiving preventative care.

"By quantifying the many lives saved and high cost-effectiveness of clinical preventive services, our study shows that prevention has really gone the extra mile, meeting a standard rarely met by health treatments," says Gould. "The new health care law appropriately makes these services available for most Americans at lower or no cost, but cost reductions alone won't get us there."

Under healthcare reform, health insurance companies will be required to pay for preventative care services for new health plans on or after September 23 of this year. Individuals considering new plans can start off by geting health insurance quotes online.

Programs to receive funding for health information technology programs

nospam@example.com (Brafton) — Thu, 02 Sep 2010 02:00:00 -0500

Cincinnati and Detroit have been chosen as pilot communities for the Beacon Community Program. The initiative aims to use health information technology to improve health problems.

There are currently 15 other communities that are part of the program. More than 100 applications were received for the final two spots. Some of the programs funded are trying to help prevent and better manage diabetes and pediatric asthma, for example. Such conditions have been known to drive up health insurance quotes when people are looking for coverage.

Health information technology national coordinator Dr. David Blumenthal says communities nationwide are ready to embrace health technology.

"Beacon communities are designed to point the way toward maximizing community resources to address specific health goals at the local level, including quality of care, the cost of care, and the health of the whole population," said Blumenthal. "We have seen first-hand through the Beacon application process that a great many communities have promising ideas and are starting to use health IT in innovative ways."

The funding will also help create jobs. The Bureau of Labor Statistics says unemployment remains high at 9.5 percent.

Like other initiatives by the U.S. Department of Health and Human Services, it's hoped that the research and funding will help improve the healthcare system.

Electronic record-keeping proves to be a wise investment

nospam@example.com (Brafton) — Wed, 01 Sep 2010 02:00:00 -0500

Providing optimal care for patients is a goal many health care settings have established. The Detroit Medical Center has learned that they can come closer to achieving that goal through electronic record-keeping.

When it comes to health care, many people are concerned about affordable individual health insurance premiums and quality service.

According to the Detroit Medical Center, more effectively using technology to keep track of medical records has resulted in fewer medical accidents taking place. Fewer medical errors have consequently resulted in additional savings for the hospital system.

DMC chief medical information officer Dr. Leland Babitch notes that using electronic medical records is a win-win situation for all involved.

"The latest surveys show that EMR has helped to reduce medication errors by up to 75 percent," said Babitch. "Obviously, that's a major gain for patients – especially given the fact that medication errors account for the majority of accidental deaths and injuries at U.S. hospitals."

Recently, the government has been making a big push for the healthcare industry to make meaningful use of electronic medical records. The findings from DMC show the potential value of switching over to electronic record keeping.

More people turn to pharmacists with healthcare questions

nospam@example.com (Brafton) — Mon, 30 Aug 2010 02:00:00 -0500

Doctors and nurses have long been hailed as those with all the knowledge and answers related to healthcare. Now, however, pharmacists are finding themselves being increasingly mixed into the equation.

An international survey reveals that pharmacists are frequently being questioned by patients about ways to improve their health. Many pharmacists reportedly feel that are expected to give advice more now than ever before. Nearly three-quarters of pharmacists report providing health management services, according to the survey.

International Pharmaceutical Federation CEO Ton Hoek says most pharmacists enjoy their expanded role of being more than just a person who a customer hands over their individual health insurance card to.

"Pharmacists' roles are changing, and we find ourselves increasingly working with patients and other healthcare professionals to prevent and treat disease," said Hoek. "This survey shows that pharmacists welcome this expanded role, as it highlights what they like doing most - helping deliver better patient outcomes - while increasing visibility of pharmacists' expertise."

It's important to patients to realize that while pharmacists are knowledgeable professionals, they are not trained physicians. There are certain situations in which only a doctor should be consulted.

Increase in health care services expected

nospam@example.com (Brafton) — Mon, 23 Aug 2010 02:00:00 -0500

With the economic downturn of the past few years, many Americans have been forced to lower their expenses. In some cases, people have elected to go without certain care because they simply couldn't afford it. Medical care is one area in which some have "cut corners" on in order to make ends meet.

Under the Affordable Care Act, many costs associated with health care will no longer stand as a barrier preventing people from seeing a doctor. Research firm Towers Watson believes that a surge in health care services can be expected.

"In this economic climate, many Americans have delayed or avoided visits to the doctor because they were concerned about the costs they might have to incur," says Towers Watson senior health care consultant Randall Abbott. "Now, covered individuals and their families will not face even nominal financial barriers to preventive care services."

With new health care regulation, more people will qualify for Medicare. For those who don't qualify for Medicare, health care exchanges may prove to be an affordable option for health insurance. Increased regulation of private health insurance companies is also designed to keep costs down.

Prescribing service may reduce medical errors

nospam@example.com (Brafton) — Mon, 23 Aug 2010 02:00:00 -0500

Medical errors are a serious problem that can lead to death in some cases. Data published in 2002 from the Commonwealth Fund reveals that 8 million American families have experienced a medical or prescription drug error.

Some are remaining optimistic that technology can help reduce the number of medical errors. A product called CarePrescribe is being used by some doctors in Kentucky, which may help reduce mistakes and provide better care.

CarePrescribe allows doctors to electronically view medications and transmit prescriptions.

Humana Pharmacy Solutions vice president William Fleming says technology, such as that offered with CarePrescribe, will lead to better service for consumers.

"We're going to continue driving the adoption of e-prescribing technology because there is a tremendous opportunity to reduce medication errors, improve medication adherence, and impact overall costs," said Fleming. "We're also improving generic drug usage and formulary compliance as well as service at the point of care by having more informed doctors and members."

Medical errors can also be reduced by patients being proactive in their care by monitoring which medications they take and asking their doctor questions. Patients should also be mindful of their health insurance coverage.

American confidence in health care system on the rise

nospam@example.com (Brafton) — Tue, 10 Aug 2010 02:00:00 -0500

From private health insurance plans to government-sponsored programs, there are a lot of changes underway in the country's health care system. Research shows that Americans are feeling optimistic about the future state of health care in the country.

A recent Gallup poll reveals that 40 percent of those surveyed indicated that they had "a great deal" or "quite a lot" of confidence in the country's medical system. The current optimism levels are hovering around where they were between 1995 and 2006, according to Gallup. During 2003 and 2004, confidence levels grew to 44 percent.

The poll also found that confidence levels in health maintenance organizations remains essentially the same last year, increasing slightly by one point to 19 percent.

Such findings are good news, given the government's efforts to overhaul the healthcare system. Many new provisions under the Affordable Care Act have already been implemented. A number of other provisions are set to take effect in the future, including the requirement that everyone have health insurance in 2014.

Additionally, the poll reveals that Americans are more optimistic about the healthcare system than they are about 11 other institutions, including the U.S. Supreme Court.

Over 20 percent of Californians uninsured in 2007

nospam@example.com (Brafton) — Fri, 30 Jul 2010 02:00:00 -0500

Californians living in the Bay Area are more likely to lack health insurance than people in other parts of the state. The U.S. Census Bureau reports that in 2007, 6.5 million Californians lacked health insurance coverage.

Some point to unemployment for the large number of people lacking health insurance. UCLA Center for Health Policy Research director Shana Alex Lavarreda told the San Francisco Chronicle that smaller counties tend to offer more seasonal employment options.

"In rural, smaller counties, you just don't have large, stable job-based coverage pools like you do in the large counties with much larger employers," she told the paper.

Other research has pointed to a variety of factors such as income and education level that also affect the likelihood of someone having health insurance.

Under health care reform, all citizens will be required to obtain health insurance, which should greatly decrease the number of people lacking coverage. In Massachusetts, where health insurance is required, only 7.8 percent of people under the age of 65 didn't have insurance in 2007, according to the U.S. Census Bureau.

Study shows interpreters may lead to increased patient satisfaction, decreased wait times

nospam@example.com (Brafton) — Fri, 30 Jul 2010 02:00:00 -0500

Having an interpreter present in the emergency room may do more than help make patients feel at ease. Research printed in the Annals of Emergency Medicine shows that patients who had in-person interpreters were four times more likely to be satisfied with their emergency room visit than those who didn't.

The researchers found that patients and physicians alike reported that the overall care experience was higher and more satisfying when a trained professional emergency room interpreter was used. At hospitals where there isn't a professional interpreter, a family member or other hospital staff are typically relied on for communication assistance.

"The results were the same for physicians and nurses, which could be important for reducing staff burnout and errors," says study author Ann Bagchi. "The improved quality of care can also reduce the likelihood that a patient will return to the ER for the same health problem."

Such findings may be helpful when determining staffing as a large number of patients stand to benefit from the potential of decreased wait times. Data from the Centers for Disease Control shows that an average of 227 people visited the emergency room every minute in 2006.

Those with a college degree more likely to have health insurance

nospam@example.com (Brafton) — Thu, 29 Jul 2010 02:00:00 -0500

Having a college degree has been linked to success indicators such has having a higher paying job. However, holding a college degree also makes a person more likely to have health insurance.

A study from the UCLA Center for Health Policy Research found that women who lack a high school diploma are four times less likely to have health insurance compared to those with a college degree.

"Health insurance coverage and education are clearly linked," says women's health expert and policy brief author Roberta Wyn.

The researchers reviewed information from the 2007 California Health Interview Survey to up come with the figures.

The study also found that Latinas, low-income women and single women were most likely to be uninsured.

Women who have a college degree are also more likely to have their health insurance coverage through their employer, according to the study. Seventy-five percent of women who had a college degree obtained health insurance through their employer, whereas just under 50 percent of those with a high school degree and 23 percent without a high school degree did.

Regardless of educational background, disparities in coverage should lessen in the future. Health care reform aims at providing health insurance coverage for all citizens, regardless of income.

Facebook isn't a place for health insurance info, employees say

nospam@example.com (Brafton) — Wed, 07 Jul 2010 02:00:00 -0500

While many people may prefer social media to learn about what is going on with their friends, it doesn't mean that they want to use the same platform to learn about their health benefits, according to a survey by the National Business Group on Health.

Almost half of survey respondents said that they go to social networking site Facebook on at least a weekly basis for personal use, but only 7 percent go on the site for work. The survey also found that 80 percent of employees don't want information about their health benefits being "tweeted" or text messaged to them.

"While all the rage outside of the workplace is on social media, most employees aren't ready to mesh that part of their routine into the workplace, at least when it comes to health benefits," says National Business Group on Health president Helen Darling. "In fact, a vast majority of workers would prefer their employers stick to tried and true communication methods - mailings to home and email."

Social networking site Facebook was founded in 2004 as a way for people to stay connected with one another. The website has since morphed into a tool also used by companies to promote products and relay information.

Obama says Health Insurance Companies can't raise rates.

nospam@example.com (Todd Page) — Tue, 22 Jun 2010 14:18:45 -0500

Recently President Obama stated that health insurance companies would be limited by the amount they can raise rates.

This sounds like it would be a very good idea and a way to stop insurance companies from price gouging.

However with a little math you may think different.

Starting in 2011 health insurance companies must pay out 80-85% (depends on the size of the group) in claims. This CANNOT include all other operating expenses like claims processing, Actuary costs, customer service, rent, salaries, benefits, profit, commissions, etc. If the insurance companies do not pay out at least this amount they must refund the difference to policyholders and we assume they will not be allowed to raise rates. This is called a Minimum Loss Ratio or MLR.

Assuming other businesses and the Federal government run at a 20% gross operating expense (which businesses do not, especially the US government or they would be out of business) I have heard many say they think this 20% is "more than fair". However, this is not 20% profit, it's 20% for all other operating expenses.

Here's where the simple math comes in:
If they pay out less than 80/85% they must refund the money.
If they pay out more than 80/85% like 90 or even 100+% and they cannot raise rates where does this other money come from?

It is almost certain that this will run the health insurance companies in the RED forcing a government takeover when they do. Not a bailout mind you, but a take over of the health care system when they do go broke.

What most people don't understand is the rates will dictate what they are by themselves due to overall health care costs. If the government says you must pay out 80% of what they charge in premiums and they go over that amount, this would be a health care COST issue not an insurance issue.

Insurance companies can raise rates 40% but if they don't pay out the minimum they will have to turn around and refund it right back. So how can we say or tell them they can't raise rate...either you are under 80% and have to refund or you are over which means you must raise rates or go out of business.

Rates most certainly will go up and when the insurance companies pay out their required 80% and show they must raise rates who will the finger be pointed at next?

The new law does nothing to address the actual cost of health care so this is what we are left with.

Insurers compete for new customers

nospam@example.com (Brafton) — Wed, 16 Jun 2010 02:00:00 -0500

Recent healthcare reform may put affordable health insurance quotes within reach for millions of uninsured Americans.

With this in mind, many insurers are revamping their customer service efforts, according to a recent report by MarketWatch. Some of these initiatives include opening retail locations to reach out to customers and responding to negative feedback expressed online. Other insurers have strengthened their phone-based service.

Individual health insurance may increase in popularity as it becomes more affordable after the healthcare reform. Prohibiting insurers from charging higher rates to those with pre-existing conditions and issuing penalties to people who are uninsured may also grow the customer base, according to the report. This may increase competition among insurers.

"If we're doing our job and properly training our agents, we shouldn't have to transfer you several times or not answer your questions or have to call you back," Christine Kowalczyk, vice president of healthcare services at Convergys, told MarketWatch.

Starting in 2014, a mandate for universal health insurance will issue a fee to any Americans who do not purchase coverage. The reform law will also create penalties for employers that do not offer insurance policies to their workers.

Health care costs to rise in 2011

nospam@example.com (Brafton) — Mon, 14 Jun 2010 02:00:00 -0500

Employers can expect to pay more for employee health care next year, but the rise in costs won't be as much as in previous years, according to Pricewaterhouse Coopers.

Medical costs are expected to rise 9 percent next year, a 0.5 percent drop in growth from last year, the study reveals.

The increase in health care fees can be attributed to higher hospital and doctor expenses, according to Pricewaterhouse Coopers. To get a grip on medical fees, co-insurance use is rising and employers are asking their staff to pay more for their own health care.

With costs for health care escalating, more employees are realizing the value of health insurance coverage to their compensation package.

"The value of these benefits is becoming an even more visible part of overall compensation as medical costs grow and by 2014, health insurance benefits will shift from being a voluntary benefit to an individual mandate, enforced by new tax levies," says principal of human resource services at Pricewaterhouse Coopers Michael Thompson.

Health care expenses remain a major concern for many Americans. Even with health care reform in place, many people will continue to struggle with the growing percentage of their paycheck going towards health-related costs.

Twenty percent of insurance claims filed incorrectly, says AMA

nospam@example.com (Brafton) — Mon, 14 Jun 2010 02:00:00 -0500

Medical claims need to be filed with more accuracy, says the American Medical Association.

Only 80 percent of claims are filed correctly, according to the association. The errors associated with improperly filing out claim paperwork is estimated to cost $777.6 million annually.

"The finding that one in five medical claims are processed by insurers with errors emphasizes the huge potential for reducing administrative costs for physicians and insurers," said AMA immediate past president Nancy Nielsen.

If more accuracy was used, there would be additional resources available to patients, says the AMA. Each year up to 14 percent of doctors' profits goes towards tracking payments; up to $210 billion annually.

Creating a system with standardized requirements may help make the process more effective and eliminate costly waste, says Nielsen. Currently, insurers use their own rules, which can cause confusion.

The accuracy of claims reporting varied depending on state, says the AMA.

Health care costs in America have been spiraling out of control. Getting administrative claims processing fees under control would be just one way expenses could be reduced and savings passed onto patients.

Employers to continue subsidizing health insurance

nospam@example.com (Brafton) — Wed, 26 May 2010 02:00:00 -0500

Even though many employers are predicting health care costs to increase, almost 75 percent plan on continuing to offer subsidized coverage for employees, a Towers Watson survey found.

With health care reform in mind, 96 percent of the employers surveyed recognized that getting a grasp on health care costs is a high priority. Promoting healthy lifestyles and quality care rounded out the top three goals.

In order to help manage rising health insurance costs, the survey found that 88 percent of employers plan on passing the costs on to their employees and 74 percent plan on offering health benefits and programs that are less extensive. Only 33 percent of employers said that they plan on taking on all the increased expenses.

"Employers are currently weighing the short-term challenges and long-term opportunities of the new law," said North American health and group benefits leader for Towers Watson Mark Maselli. "While many employers have not yet assessed the full impact that reform will have on their businesses, they do realize that the responsibility to hold costs down will fall primarily on their shoulders."

The Patient Protection and Affordable Care Act was signed by President Barack Obama in March of this year. According to the government, provisions of the act are scheduled to be implemented between 2010 and 2018.

More employers shift health care costs to employees

nospam@example.com (Brafton) — Mon, 24 May 2010 02:00:00 -0500

Health care benefits are changing substantially in Michigan, according to a study by McGraw Wentworth.

Traditionally, Michigan residents enjoyed health care benefit plans with more lavish offerings than found in other areas of the country, but more companies are beginning to change their benefit levels, making them comparable to more companies nationwide. The survey revealed that employers are placing more of the financial burden of health care on employees through increased co-payments and deductibles.

A major trend taking place is a rise in consumer-driven health plans, plans in which employees are responsible for putting money aside for medical costs. Last year, 19 percent of employers offered CDHPs, this year the number increased to 23 percent, according to the survey.

"We are seeing benefit levels and cost strategies that are on par with national trends," says Rebecca McLaughlan, managing director, McGraw Wentworth. "Consumer-driven health plans are here to stay with more employers encouraging enrollment in the plans."

Despite the trend of employers placing more financial responsibility for health care on employees, the survey revealed that companies are investing in wellness programs for their staff. Wellness programs are designed to help employees better manage and prevent costly medical conditions.

Last year, the average individual plan was $4,824, according to Kaiser Family Foundation.

Employers bracing themselves for hike in health care costs

nospam@example.com (Brafton) — Fri, 21 May 2010 02:00:00 -0500

Employers across the country are preparing themselves for increased costs associated with health care reform.

One in four employers predicts that being in compliance with regulations set for 2011 will increase their costs by 3 percent, according to a survey by Mercer. Even though employers do not have to be in compliance with the excise-tax provision for high-cost plans until 2018, the nearly 800 employers surveyed cited it as their biggest concern.

The survey also revealed that the retail industry in particular is concerned about having to offer health insurance to employees who work at least 30 hours a week. Twenty-four percent of retail industry respondents said that the provision was a major concern of theirs, compared to just 11 percent of respondents overall.

"While each of these new rules that adds administrative burden has the potential to increase cost, employers have certainly had to cope with compliance challenges in the past," says Beth Umland, Mercer's research director for health and benefits. "Nothing in our survey results suggests that they're about to scrap their health plans and head for the hills."

The Patient Protect and Affordable Health Care Act was passed by the Senate in December 2009.

Wellness programs lower costs

nospam@example.com (Brafton) — Thu, 20 May 2010 02:00:00 -0500

Employee wellness programs significantly reduce costs for business, a study by Interactive Health Solutions shows.

At an average company, only 15 percent of employees account for nearly 80 percent of all medical expenses the study found. However, on-site health care programs can reduce those numbers.

While the amount of money saved from having healthier employees is high, establishing a wellness program can be more than a small business can afford. During the summer months, the U.S. Department of Health and Human Services will review applications from small businesses seeking funding. There is $200 million in federal aid available for businesses with less than 100 employees that want to have wellness programs on-site.

"As the nation continues its focus on health care, we expect population health management programs in the workplace to become a standard benefit for employees that increase individual health while efficiently lowering overall health care costs," said Joe O'Brien, Interactive Health Solutions CEO.

On-site health programs promote preventative care programs that target conditions that are known to be costly. By preventing health conditions from starting, an employee can get their health under control before it causes high medical bills and missed work days.

Parents want access to childrens' doctors via the web

nospam@example.com (Brafton) — Wed, 19 May 2010 02:00:00 -0500

Under the new healthcare reform legislation, medical records are supposed to become more readily available online.

This is good news for parents. Almost 50 percent of parents who responded to a poll conducted by the C.S. Mott Children's Hospital said that they would find it helpful to use the Internet to request records and prescriptions for their children.

Currently, only 15 percent of parents communicate with their child's doctor through e-mail, which means a large number of people are missing out on the time-saving benefits of using the web.

However, adopting technology for medical recording purposes is facing challenges from some physicians.

"Some healthcare providers have expressed concerns about reimbursement for electronic services that require staff time," says Matthew Davis, director of the Poll and associate professor of pediatrics and communicable diseases at the University of Michigan Medical School. "Others worry about medical liability associated with offering clinical advice via e-mail or the Internet, without examining the patient."

Currently only a small number of physicians and hospitals have paperless systems in place. With new incentives from the federal government to help cover costs, the number of doctors using electronic systems is expected to rise.

Unhealthy workers to see rise in healthcare premiums

nospam@example.com (Brafton) — Tue, 18 May 2010 02:00:00 -0500

As healthcare costs continue to increase, more companies are considering using incentives and penalties to help decrease health insurance costs.

An increasing number of companies are charging employees and their dependents more for living unhealthy lifestyles, according to Hewitt Associates. Of the almost 600 large employers surveyed, almost half said they already are, or are considering, financially penalizing employees who do not participate in health improvement programs. The survey also found that over 80 percent of those companies plan on penalizing employees through higher benefit premiums.

"As companies learn more about their workforce, they're realizing that some people may be more motivated to take action if they risk losing $100 versus gaining $100," says Cathy Tripp, a principal in Hewitt's Health Management practice.

Almost two-thirds of the employers in the survey said that they would penalize employees who smoke. Employers also said that they would consider penalizing employees who do not take part in behavior programs or biometric screenings.

Research by Hewitt Associates found that the continued rising cost of healthcare is a major concern for employers.

Diabetes may increase cancer risk

nospam@example.com (Brafton) — Mon, 03 May 2010 02:00:00 -0500

Many of the medical conditions associated with diabetes may result in increased health insurance quotes.

Colorectal cancer may be among these for older women, according to a recent report by the Mayo Clinic. Researchers looked at various cancer risk factors among almost 38,000 individuals age 55 to 69, some 2,361 of which had Type 2 diabetes. More than half of those with diabetes developed colon cancer, according to the report.

Researchers looked to see whether molecular markers like microsatellite instability, CpG island methylation and BRAF gene mutation could be linked with one's cancer risk. Older women with Type 2 diabetes were shown to be twice as likely as those without it to develop colon cancer, which is the third-leading cause of cancer deaths among women, according to the report.

"Knowing that diabetic women have these findings should help to facilitate more appropriate colorectal cancer prevention and treatment options," Anthony Razzak, a research fellow for the Mayo Clinic, said. "Our findings may lead to new strategies for colon cancer screening, chemotherapy and chemoprevention in women with diabetes."

Getting screened for colorectal cancer could help reduce the number of deaths from it yearly by as much as 60 percent, according to the Centers for Disease Control and Prevention.

Missing doctor's appointments is costly for patients and healthcare providers

nospam@example.com (Brafton) — Wed, 28 Apr 2010 02:00:00 -0500

Their ability to afford health insurance quotes does not mean that all individuals are getting the care they need.

Many are just not able to attend appointments, according to a recent report by MarketWatch. The report referred to research conducted by the Indiana University School of Medicine and Regenstrief Institute that showed that 71 percent of adults age 65 and older scheduled appoints for specialist treatment per their physician's recommendation. However, only 70 percent of these individuals attended such appointments.

This 50 percent success rate creates problems for both the patient and his or her healthcare provider, according to Michael Weiner, director of the Regenstrief Institute's Health Services Research Program and associate professor of medicine at Indiana University.

"The most obvious one is the immediate care that would be provided is delayed. Rescheduling could take several months if it's a busy clinic or specialist," he said.

Some clinics are aiming to reduce these no-shows by calling patients during the days leading up to their appointments and providing detailed directions to their doctor's office. Those who do not think they will be able to attend appointments should contact their doctor in advance.

Wisconsin low-income families may have new healthcare option

nospam@example.com (Brafton) — Wed, 28 Apr 2010 02:00:00 -0500

Recent healthcare reform aimed at putting health insurance quotes within reach for many Americans who otherwise would have remained uninsured because of pre-existing medical conditions or limited income.

However, many provision in the Patient Protection and Affordable Care Act do not take effect until 2014. A recent report by BusinessWeek showed one state's efforts to assist these uninsured earlier through a program called BadgerCare Plus Basic.

The Wisconsin senate has already approved a bill that would enable individuals at our below 200 percent of the federal poverty level guidelines to purchase coverage through the Wisconsin Department of Health Services. Premiums will be set at $130 per month, according to the department's website. Those who fail to pay premiums will be removed from the plan for a year.

"The new program will be paid for through premium and co-payments of those receiving coverage," the report said. "Republican opponents say they think the state will pick end up picking up the tab."

The Wisconsin Department of Health Services stopped accepting applicants to its BadgerCare Plus Core Plan last October after exceeding the number of slots available. Individuals on the waitlist will be able to apply to the new plan, which awaits passage in the state assembly.

'Safe Routes to School' program may encourage healthy habits

nospam@example.com (Brafton) — Fri, 23 Apr 2010 02:00:00 -0500

Maintaining an active lifestyle since childhood may help individuals avoid some of the medical concerns that lead to increased health insurance quotes.

With this in mind, the Department of Transportation has joined First Lady Michelle Obama's "Let's Move!" campaign in its effort to fight childhood obesity, according to a recent release. The "Safe Routes to School" effort was showcased by Transportation Secretary Ray LaHood, Indianapolis Mayor Greg Ballard and U.S. Representative Andre Carson at an Indianapolis elementary school.

"Through the Safe Routes to School program, we have an opportunity to give our kids a safe environment through improved infrastructure and education programs where they can develop healthy habits that they will carry with them for life," Carson said.

Since its creation in 2005, SRTS has allocated some $615 million in federal funds to state transportation departments to help improve safety and availability of walking and biking routes to schools. Indianapolis school St. Thomas Aquinas has received about $302,000 of these funds and now has two daily "walking school bus" routes.

By making it easier to walk to school, this program may discourage parents from driving their young ones. Therefore, SRTS may benefit the environment as well as the health of the students involved.

Added sweeteners may increase health risks

nospam@example.com (Brafton) — Wed, 21 Apr 2010 02:00:00 -0500

Medical conditions associated with increased sugar consumption - like heart attack, diabetes and stroke - may lead to high health insurance quotes.

Adding sweeteners to foods may also pose a risk, according to a recent report by the Journal of the American Medical Association. The research showed that these ingredients increase consumers' craving for sugar as well as their likelihood to engage in other unhealthy behavior like hypersensitivity and smoking a cigarette.

Individuals consuming more added sugars also reported more weight gain than their counterparts, according to the report. As participants increased their sugar intake, the percent of energy derived from fats, proteins, fiber and cholesterol decreased. Study subjects consumed an average of 89.8 grams of sugar daily. The report also commented on the recent growth of this problem.

"It was not until the mid-19th century that these sweeteners became widely available and consumption began to increase dramatically," the report said. "Individuals in the United States now consume a substantial proportion of their total energy as added sugars."

The American Heart Association recommends that women consume no more than six teaspoons of sugar a day. Men should eat no more than nine teaspoons.

Funding announced for American Indian and Alaska Native health programs

nospam@example.com (Brafton) — Fri, 16 Apr 2010 02:00:00 -0500

Government agencies are currently taking action to eliminate disparities in health insurance coverage, according to a recent announcement by the Department of Health and Human Services.

The department will join the Centers for Medicare and Medicaid Services to provide grants to help enroll uninsured American Indian and Alaska Native children in health programs. The 41 providers included through the program are operated by tribes and tribal organizations, urban Indian organizations and the Indian Health Service.

A total of $10 million in grants will be used to improve outreach and increase enrollment at these organizations. Health and Human Services Secretary Kathleen Sebelius commented on the importance of connecting American Indian and Alaska Native children to health insurance through Medicaid and the government-sponsored Children's Health Insurance Programs.

"The grants we are awarding today throughout the country will help the health organizations that work closely with these children and their families, develop effective outreach and enrollment strategies," Sebelius said.

A recent report by the Agency for Healthcare Research and Quality showed that white Americans often receive better medical care than blacks, American Indians and Alaskan Natives for many of the study's core measures.

Insurance superintendent warns of fraud in New York

nospam@example.com (Brafton) — Wed, 14 Apr 2010 02:00:00 -0500

Consumers hoping to obtain affordable health insurance quotes may fall be swayed by offers that seem too good to be true.

A recent announcement by the New York State Department of Insurance warned individuals against such plans as well as others that are indicative of fraud. Door-to-door and high-pressure sales tactics should also trigger a consumer's suspicion.

"There have been reports around the country about people being victimized into buying worthless insurance policies in the wake of the health care debate," Insurance Superintendent James Wrynn said. "We have seen a number of reports like this in New York and we are looking into these cases."

Online and television advertisement encouraging consumers to buy health insurance in the wake of the Patient Protection and Affordable Care may also be indicative of fraud.

About $68 billion is lost every year as a result of health insurance fraud, according to the National Health Care Anti-Fraud Association. Victims of this crime may not realize they've been taken advantage of until they try to file a claim. Verifying the legitimacy of an insurer on the Department of Insurance's website and safely storing paperwork received from their insurer may help consumers avoid this situation.

Study: Certain carbohydrates increase heart disease risk among women

nospam@example.com (Brafton) — Tue, 13 Apr 2010 02:00:00 -0500

Coronary heart disease may lead to heart failure by slowing an individual's blood flow, according to the Centers for Disease Control and Prevention.

Avoiding this health condition transfers into lower health insurance quotes by reducing a consumer's likehood to file expensive claims. One way women may do this is by avoiding foods with high glycemic index carbohydrates, according to a recent report by the Archives of Internal Medicine.

Researchers looked at the dietary decisions followed by some 47,791 Italian volunteers over the course of about eight years. The majority of participants were women. During the follow-up period, 463 coronary heart disease cases developed.

Men were significantly more likely than women to develop this disease, according to the report, although no correlation was seen between the amount of high-GI carbohydrates they consumed and their coronary artery health. However, women who consumed more GI-carbohydrates were at a significantly higher risk than those who ate low-GI carbohydrate foods. The same correlation appeared in relation to their glycemic load.

The glycemic index ranks carbohydrates based on their glucose level. Therefore, high-GI foods like pizza, bread and rice will increase one's blood sugar and energy levels quickly. Low-GI carbohydrates include pasta, quinoa and wholegrain bread.

Ways to seek cheaper healthcare now

nospam@example.com (Brafton) — Mon, 12 Apr 2010 02:00:00 -0500

Healthcare costs for some individuals may decline during the next decade due to the Patient Protections and Affordable Care Act.

There are several options for those seeking affordable health insurance quotes now, according to a recent article by ABC News. The Foundation for Health Coverage Education offers information about individuals' coverage eligibility based on their income, pre-existing health conditions, demographic and personal information.

Some low income individuals may even be able to receive prescription medication for free through the Partnerships for Prescription Assistance. Those who are not eligible for this program can cut costs by switching from name-brand to generic medication or even adjusting to a cheaper drug within the same medication group. Free or reduced-cost healthcare is available at Hill-Burton facilities in 46 states.

It may also be useful to research the reimbursements given to medical institutions through Medicare, according to the report, as this may provide leverage for future price negotiation.

"Another way to negotiate with doctors and hospitals is to ask them to honor the rate they charge insurance companies - even if you are uninsured," the report said.

Starting in 2014, insurers will no longer be able to charge increased health insurance quotes for individuals with pre-existing health conditions, as a result the base rate will increase for everybody.

Reform may help individuals with mental illnesses or drug addictions

nospam@example.com (Brafton) — Mon, 29 Mar 2010 02:00:00 -0500

While exact figures have never been collected on the disparity, many mental health advocates believe that individuals suffering from mental illnesses or drug addictions are less likely to have insurance than their healthy counterparts.

These same researchers are applauding recent healthcare reform that would prevent companies from charging higher health insurance quotes for consumers with pre-existing health conditions, according to a recent report by the New York Times. Starting in 2014, the law will require small businesses with state-run exchange plans to offer equal medical and mental health benefits to employees. Larger companies are already required to adhere to these equality rules.

Starting in six months, young adults will be able to remain on their parents' plan until age 26. Until then, these individuals may be forced to pay higher premiums - or be rejected altogether, according to the report.

"It really is discriminatory against people with mental health issues," Theresa Johnson, a nurse at an urban Connecticut hospital, told the newspaper. "Being a nurse, it really kills me, it just kills me."

The law also allows companies with limited medical benefits to offer an equally-insubstantial mental health benefit program. Those that have high premiums for medical and mental health benefits would likely provide the strongest care. The same equality rules will apply to those who receive coverage through Medicaid, according to the report.

When can I get coverage for pre-exisiting conditions under new law?

nospam@example.com (Todd Page) — Mon, 22 Mar 2010 10:55:03 -0500

2010: Children ONLY

- PRE-EXISTING CONDITIONS: Insurers will be barred from denying coverage to kids with pre-existing conditions. Adults will have to wait until 2014 for the same protection. But high-risk pools will offer an option for affordable coverage until then.

2014: Adults will qualify for coverage for pre-existing conditions

Research: Nearly one-quarter of Californians do not have insurance

nospam@example.com (Brafton) — Tue, 16 Mar 2010 02:00:00 -0500

High health insurance quotes may be contributing to growing numbers of Californians without insurance, according to a recent report by the UCLA Center for Health Policy Research.

The state was home to about 8 million people without health insurance in 2009, up from 6.4 million in 2007. This accounts for nearly one-quarter of the state's adult population.

Many of these individuals lost their insurance after being laid off and were not able to afford increasing individual policies. Changing demographics caused many of these premium hikes, like the 39 percent increase experienced by some of WellPoint's customers. As healthy individuals dropped plans, the financial burden increased for those who remained on board.

"These estimates help us understand the scale of the damage inflicted on California over the last two years," said Shana Alex Lavarreda, the center's director of health insurance studies and a co-author of the study.

UCLA's research was based on 2009 enrollment data and showed that even those who had not experienced recent job loss were affected by harsh economic conditions. The availability of job-based coverage for non-elderly Californians decreased to less than 50 percent in 2009, while the number of children with insurance also fell, despite eligibility for public safety-net insurance programs.

Survey: Americans use social media to research insurance

nospam@example.com (Brafton) — Fri, 12 Mar 2010 02:00:00 -0600

Internet-savvy Americans may be turning to social media for information on the most affordable health insurance quotes, according to a recent survey by Mintel Comperemedia.

While only four percent of overall respondents said they used a blog, social networking website or online discussion group, this trend was significantly more pronounced among young adults, men and high income earners, according to the report. Ten percent of respondents earning $75,000 to $100,000 a year used these social media for insurance information while 9 percent of people age 25 to 34 and 6 percent of men who did the same.

Many of these individuals also found advertising on social networking websites helpful. This trend may present an opportunity for insurers, according to Daniel Hayes, vice president of insurance services at Mintel Comperemedia.

"Because these individuals are already engaged in social media and because they use the internet more for insurance research, policy management and purchasing, I'd like to see insurance companies start targeting them when creating social networking initiatives," Hayes said.

Some considerations when picking a health insurance plan include the size of the premium and the kinds of services it covers, according to the Insurance Information Institute. Consumers with preexisting health conditions should research how a certain policy would treat it.

Your health insurance company is making a 2.2% profit. Is this too much?

nospam@example.com (Todd Page) — Mon, 26 Oct 2009 11:36:34 -0500

A recent report indicated that the average health insurance company makes a whopping 2.2%.

Many think this is way too much...........

To read more click here: Health insurance makes 2.2%

Younger employees and health insurance

nospam@example.com (Todd Page) — Mon, 12 Oct 2009 09:34:00 -0500

One of the most challenging things facing our current health care system is the younger employee.
Many younger employees late teens to late 20's have a hard time justifying any cost related to medical insurance coverage. Quite simply....they don't think anything will happen to them, they are healthy, and they don't need it. Not for $5.00 a week and certainly not for $50.00 a week.

This puts a very big strain on the system. The current system needs the younger employees to be in the pool to offset the costs of the older and generally sicker employees.

To read more about the impact yourger employees have on affordable health insurance click here:Affordable health insurance for young employees

Health insurance premiums on the rise again?

nospam@example.com (Todd Page) — Sun, 11 Oct 2009 09:52:00 -0500

Many thought new legislation would help those now purchase affordable health insurance. But as like many other things the government does this may have an opposite effect and actually drive rates up.

Some but not all the reasons for this are:

All pre-existing conditions must be covered without have a real solution for making everyone purchase health insurance. We can't just cover the sick people when they need it hence higher premiums.

Out of pocket maximums set by the government. Even if you want to purchase a higher deductible health insurance policy to keep your costs down the government will not allow it. Hence...better coverage....higher premiums.

No real solution for those people trying to skirt the system. Fines of $750 for an individual that does not buy health insurance are less than an annual premium. Why buy?

To read more on this subject click here:Affordable health insurance maybe not?

Abortions and birth control in the news.

nospam@example.com (Todd Page) — Sat, 10 Oct 2009 10:41:00 -0500

Much debate lately about what and what will not be covered under a public government health insurance plan.

Should affordable health insurance cover abortions?
Should affordable health insurance cover birth control?

Click here to read more: Health insurance and coverage.

Why we need affordable health insurance across state lines.

nospam@example.com (Todd Page) — Thu, 08 Oct 2009 10:36:00 -0500

One of the reason affordable health insurance is so difficult in the US is because we have to buy health insurance based on which state we live in.

To learn more about the many and confusing state plan options click here:State by state health insurance

Unions want health insurance reform.

nospam@example.com (Todd Page) — Wed, 07 Oct 2009 10:34:00 -0500

Many US Unions are calling for health insurance reform.

Unions now act as an affordable health insurance solution now for members.

To read more about Unions and health insurance click here: Unions and health insurance

Will we have enough DR's in the US soon?

nospam@example.com (Todd Page) — Mon, 05 Oct 2009 10:22:00 -0500

One big question is if/when we get affordable health insurance reform will we have enough DR's to go around?

That answer is looking like NO we don't.

Click here to read more: Enough DR's?

The Massachusetts way of health insurance.

nospam@example.com (Todd Page) — Sun, 04 Oct 2009 10:14:00 -0500

How would you like to be responsible, purchase health insurance and still have to pay a fine because the government says it's not a good enough plan?

Well that's exactly what happened to a retired couple in Massachusetts recently.

They decided to buy a plan with a $2,500 maximum out of pocket per year. I assume they could afford $2,500 if something major happened to them and they wanted a lower premium.

Not so fast said the Massachusetts government. That plan does not fit into our guidelines and it's $500 too high in out of pocket maximums.

They will have to pay a $1,000 fine now.

Is Massachusetts our "model" state for affordable health insurance?

Be careful what you wish for....you could be fined for buying health insurance soon!

To read more on this story click here:Pay a fine?

Modern patients drive up costs.

nospam@example.com (Todd Page) — Sat, 03 Oct 2009 10:06:00 -0500

Today's patient is allot different from a patient in the 60's or even the 90's. The internet has given us all a world full of information to use at our disposal.

Affordable health insurance is the talk of the town.

Not long ago you took whatever medication your Dr. gave you without asking too many questions. We can now go online, do some research and ask our Dr. if the fastest and greatest medication is right for me.

This is a good thing.

There are also a few problems that come with it.

Is it possible that the generic drug works just as well? Example does my $20.00 a month work for controlling my HBP or do I need the $200.00 a month name brand that just came on the market?

If/when the government has a public option will I be able to do the same research and get whichever drug i want....for free?

To learn more click here: Today's modern patient.

Affordable Health insurance premiums?

nospam@example.com (Todd Page) — Thu, 01 Oct 2009 09:52:00 -0500

Many thought new legislation would help those now purchase affordable health insurance. But as like many other things the government does this may have an opposite effect and actually drive rates up.

Some but not all the reasons for this are:

All pre-existing conditions must be covered without have a real solution for making everyone purchase health insurance. We can't just cover the sick people when they need it hence higher premiums.

Out of pocket maximums set by the government. Even if you want to purchase a higher deductible health insurance policy to keep your costs down the government will not allow it. Hence...better coverage....higher premiums.

No real solution for those people trying to skirt the system. Fines of $750 for an individual that does not buy health insurance are less than an annual premium. Why buy?

To read more on this subject click here:Affordable health insurance maybe not?

America's Health Insurance Plans (AHIP) ideas.

nospam@example.com (Todd Page) — Wed, 23 Sep 2009 12:13:00 -0500

The American health Insurance Plans Association has a few ideas of their own when it pertains to affordable health insurance.

Click here to read more about AHIP's position:AHIP

If you are in need of an affordable health insurance quote click here: Free health insurance quote

Some common HIPAA questions and answers.

nospam@example.com (Todd Page) — Mon, 21 Sep 2009 12:04:00 -0500

Do you have questions that pertain to HIPAA?

This is a great site to get answers from: HIPAA Q&A

Do you need a free no obligation quote for affordable health insurance click here: Free health insurance quote

Will the governmnet provide long term care health insurance too?

nospam@example.com (Todd Page) — Sun, 20 Sep 2009 12:00:00 -0500

Part of the US health insurance reform bills contain language that will also offer some relief for long term care as well.

To read more about this click here: Long Term Care

To receive a free no obligation quote for affordable health care click here:Free health insurance quote

JLBG Health offers affordable health insurance.

nospam@example.com (Todd Page) — Sat, 19 Sep 2009 11:14:00 -0500

JLBG Health offers affordable health insurance to over 350 Associations in the US.

To find out more about our health insurance plans and to receive a free no obligation quote for affordable health insurance click here: Affordable health insurance quote

Controlling US health insurance costs.

nospam@example.com (Todd Page) — Mon, 14 Sep 2009 10:50:00 -0500

The big question with US health insurance reform..........

How do we control costs to provide affordable health insurance because someone has to pay.

To read about a few ideas click here: Affordable health insurance

A fair take on health insurance costs.

nospam@example.com (Todd Page) — Thu, 10 Sep 2009 09:25:00 -0500

What will happen if the government tries to provide a affordable health insurance solution?

What will happen if they do not?

Here is a very fair take of both subjects and what may happen.

Click here for more details: Talkinh points on health insurance

Minnesota's take on health care costs.

nospam@example.com (Todd Page) — Sat, 05 Sep 2009 07:58:00 -0500

Here is an interesting website that brings transparency to light. The costs and reimbursement schedules of 100 common procedures and they wide spread amounts each cost from different providers in one state.

Click here to read more: MN transparency with health insurance

Health Care...........how will we pay?

nospam@example.com (Todd Page) — Fri, 04 Sep 2009 08:56:00 -0500

Many are still wondering how health care reform will be financed.

Here are some general ideas to learn from: Health insurance financing

Go to a foreign country for surgery?

nospam@example.com (Todd Page) — Tue, 01 Sep 2009 08:27:00 -0500

Recent reports have indicated US health insurance will be offering it's customers the option of getting health care overseas for a substantial savings.

What will this mean?
Will the care and the outcome be less?
How much will the savings be?
How come the health care costs so much less?

These answers probably remain to be seen but for more information on this subject click here: Surgery overseas?

Health insurance will get stronger and bigger?

nospam@example.com (Todd Page) — Mon, 31 Aug 2009 08:16:00 -0500

With all the public outrage on the US government taking over health insurance what will happen if this doesn't all come true?

Will health insurance companies get bigger?
Will they be forced to cover all comers?
Will premiums rise or fall?

To hear more on this subject click here: US health insurance companies

The American College of Emergency Physicans (ACEP) offers health insurance with a 3 year rate guarentee for it's members.

nospam@example.com (Todd Page) — Fri, 28 Aug 2009 09:14:00 -0500

ACEP now offers a Elite health insurance plan to it's members with the following benefits:

- A 3 year rate guarantee regardless of claims.
- $25 million in lifetime benefits.
- A shrinking deductible: A 20% credit off your deductible any year you do not exceed your deductible.
- Accepted by over 97% of all US DR's and hospitals.

To receive a free no obligation quote for the ACEP health insurance program click here now:ACEP health insurance plans

American Bar Insurance (ABI) offers health insurance with a 3 year rate guarentee to ABA members.

nospam@example.com (Todd Page) — Thu, 27 Aug 2009 09:17:00 -0500

ABI now offers a Elite health insurance plan to American Bar Association (ABA) members with the following benefits:

- A 3 year rate guarantee regardless of claims.
- $25 million in lifetime benefits.
- A shrinking deductible: A 20% credit off your deductible any year you do not exceed your deductible.
- Accepted by over 97% of all US DR's and hospitals.

To receive a free no obligation quote for the ACEP health insurance program click here now:ABA member instant health insurance quote

National Small Business Association (NSBA) offers 3 year rate guarentee for health insurance.

nospam@example.com (Todd Page) — Mon, 24 Aug 2009 08:57:00 -0500

The NSBA now offers a Elite health insurance plan to it's members with the following benefits:

- A 3 year rate guarantee regardless of claims.
- $25 million in lifetime benefits.
- A shrinking deductible: A 20% credit off your deductible any year you do not exceed your deductible.
- Accepted by over 97% of all US DR's and hospitals.

To receive a free no obligation quote for the NSBA health insurance program click here now: NSBA health insurance quote

The National Association of Independent Business (NFIB) offers 3 year rate guarentee to members health insurance

nospam@example.com (Todd Page) — Sun, 23 Aug 2009 09:03:00 -0500

The NFIB now offers a Elite health insurance plan to it's members with the following benefits:

- A 3 year rate guarantee regardless of claims.
- $25 million in lifetime benefits.
- A shrinking deductible: A 20% credit off your deductible any year you do not exceed your deductible.
- Accepted by over 97% of all US DR's and hospitals.

To receive a free no obligation quote for the NFIB health insurance program click here now:NFIB Health Insurance Quote

Media Bistro offers health insurance plan with a 3 year rate guarentee for it's members.

nospam@example.com (Todd Page) — Sat, 22 Aug 2009 09:11:00 -0500

Media Bistro now offers a Elite health insurance plan to it's members with the following benefits:

- A 3 year rate guarantee regardless of claims.
- $25 million in lifetime benefits.
- A shrinking deductible: A 20% credit off your deductible any year you do not exceed your deductible.
- Accepted by over 97% of all US DR's and hospitals.

To receive a free no obligation quote for the Media Bistro health insurance program click here now:Media Bistro health insurance

JLBG Health on Blog Radio to announce WAA Health Insurance Plans

nospam@example.com (Todd Page) — Fri, 21 Aug 2009 11:33:21 -0500

On Friday August 21st JLBG Health along with Work Room Association of America (WAA) announced a new health insurance plan available to all members.

To hear a recording of the live Blog Radio broadcast click here: Blog Radio WAA Health Plans

What you may lose with National Health Insurance.

nospam@example.com (Todd Page) — Sun, 16 Aug 2009 07:17:00 -0500

We keep being told what we may gain if/when National Health Insurance is passed.

What do we risk losing though?

To learn more about what you may lose instead of gain click here: What will I lose with my health insurance ?

Health insurance like France?

nospam@example.com (Todd Page) — Fri, 14 Aug 2009 07:07:00 -0500

France has had national health care for quite some time and the US wants to model our health care in a similar way.

What do the French know that we don't know?
Is this a far superior system as some people claim?
What's covered under France's health care system now?
Does our private health insurance in the US cover more currently?
Does France know any better?

And the last question........France's health plan is in the red so how will pay for ours when we Americans will demand more coverage than what France is getting now.

To read more about the French health care system being broke click here: French health insurance a bust

My COBRA health insurance subsidy is running out.....What do I do now?

nospam@example.com (Todd Page) — Thu, 13 Aug 2009 10:33:00 -0500

Many people in the US have been taking advantage of a 65% COBRA subsidy offered by the US government to help pay their COBRA health insurance premiums. Starting in the next few days this subsidy will run out making affordable health insurance premiums difficult to pay for many Americans.

To find out about other options when your COBRA runs out and to receive an instant online affordable health insurance quote click here: COBRA alternative

Kids health insurance- plans for children.

nospam@example.com (Todd Page) — Sat, 08 Aug 2009 10:25:00 -0500

Many states now have options for people who can't or will not pay for health insurance for their children.

Although these plans are offered based on your income level many states only have about 12-15% of the eligible kids enrolled in their affordable health insurance for kids program.

Why?

It may be possible to buy affordable health insurance for children on your own click here for more information:Health insurance for kids

What drugs will the US government cover?

nospam@example.com (Todd Page) — Sun, 02 Aug 2009 09:54:00 -0500

With affordable health insurance being at the top of the charts everyday in the media many are still wondering what will be covered?

I think it's a fair question to ask.

I have submitted dozens of questions through different media groups asking for someone to find out what will/ and will not be covered. The only answer I have received, which is not an answer is: The administration has not yet determined this yet.

How can we possibly be asked to decide on a public health insurance option when we have no idea what if will cover.

So since we cannot find out from our own government maybe we can find out from a government that has National Health Care now.

I wonder if Canada or the UK cover these medications below? Are these all free in other countries? Anyone can get them whenever they like as long as their Dr.'s allows it?

Are you taking any of the following medications? You may want to find out which ones will be covered because if you have health insurance there is a very good chance all are covered now.

Some very popular US drugs:
Advair Diskus (asthma med)
Celexa (anti depressant)
Crestor (treats high cholesterol)
Enbrel (injectable med used for various conditions)
Detrol (overactive bladder)
Effexor (anti anxiety)
Flovent Diskus (asthma)
Lamisil (nail fungus)
Lexapro (anti depressant)
Lipitor (treats high cholesterol)
Nexium (acid reflux)
Plavix (heart)
Prevacid (acid reflux)
Propecia (hair loss)
Tricor (treats high triglycerides)
Valtrex (anti viral used for herpes)
Vytorin (high cholesterol)
Wellbutrin (anti depressant)

If you are on these and you lived in Canada you may be surprised, many of these you would NOT be taking, in fact you wouldn't even know if was an option. The Canadian Dr.'s have a list of approved drugs....if they are not on the list.....you will not get them. What will the US government do since they like the Canadian option and they way it works so much?

I think we know the answer now.

Is There an Income Limit for Receiving the 65% COBRA Subsidy?

nospam@example.com (Todd Page) — Fri, 31 Jul 2009 08:40:00 -0500

There is no income limit for receiving the COBRA subsidy, BUT high-income individuals who take advantage of the subsidy face an increase in their income tax liability equal to the amount of the subsidy (subject to a phase-in formula). A “high-income individual” is a person whose modified adjusted gross income exceeds $125,000 ($250,000 for married individuals filing jointly). “Modified adjusted gross income” means adjusted gross income plus amounts excluded for US citizens and residents living abroad or in certain US territories. High-income individuals may elect to waive the subsidy.

To find out if you can purchase health insurance for less than your COBRA premium click here:Health Insurance for less than COBRA

Slash Medicare and Medicaid to pay for all ?

nospam@example.com (Todd Page) — Thu, 30 Jul 2009 08:42:00 -0500

Who's going to pay for National Health Care?

The rich?
The middle class?
How about the elderly?

Some recent proposals estimate that much of the money for universal health care will come from slashing Medicare and Medicaid rates.

With all the baby boomers here and more coming, do you want your parents or do you want to suffer yourself?

To learn more click here: Medicare cuts

Are you afraid you may lose your health insurance?

nospam@example.com (Todd Page) — Wed, 29 Jul 2009 08:09:00 -0500

Are you afraid that a government run health care option will force you out of your private insurance? You're not alone......with 81% of the US claiming they are somewhat satisfied or very satisfied they way their health care is delivered now we all may have something to lose not gain.

Many have said, and they are correct, private insurance will not be able to compete with a public option. The reason for this is simple; the government can cover what they want and pay what they want for service making your Union, coverage through a school district, or private plan obsolete and way to costly.
We all tend to complain about what our insurance covers, how much it costs etc. but when you are facing illness or even death and they bill is going to be $500,000 the insurance company may soon be your best friend.

The US government cannot and will NOT cover the same procedures and services private health insurance covers now and that is scary.

To read more about others who are afraid of losing what they have now click here: Losing coverage we have now.

Don't lose or go without health insurance click her for a free no obligation quote: Free health insurance quote

2 patients stories and what may happen to us with universal health care.

nospam@example.com (Todd Page) — Tue, 28 Jul 2009 08:32:00 -0500

What will happen to all of us if/when universal health care is passed.

Will the care be the same as it is now?
Will there be a long wait at the Dr.'s office?
Can I get a second opinion?
Can I get the treatment I need or will the government say no?

This questions are still unanswered but to learn about 2 patients experience in another system which could be us soon click here: What will happen to my health care?

What Michael Moore didn't tell us........

nospam@example.com (Todd Page) — Wed, 22 Jul 2009 08:59:33 -0500

Many have seen the show Sicko and I'm sure many have also thought.....what a great system Canada has.....free health care......

Well here's another take that we didn't see in the Michale Moore documentary.

This is really SICKO.........

Click here to watch a video on Canadian Health Care: Canadian Health Care is SICKO

Why the US still needs health insurance agents.

nospam@example.com (Todd Page) — Sun, 19 Jul 2009 08:49:00 -0500

Navigating through the health insurance system can be quite confusing at best.

What deductible should I buy?
Who much is my maximum out of pocket?
What Dr.'s and Hospitals can I use?
How much do I have to pay in monthly premiums?

Health insurance can be very expensive and so can a hospital bill so this goes hand in hand.
Making such a large financial decision without help from an expert that does this everyday can be risky.

Take this recent story below. This gentleman claimed that his health insurance cost him $24,000 to as much as $40,000 a year. A professional insurance agent in his area shopped for him and was able to find him coverage for around $2,400 a year, a savings of $22,000 minimum. This person needed professional help from a licensed agent who does this everyday.

Re read more about this story click here:Health insurance agents can help

To receive a no obligation instant health insurance quote and free advise click here: Free health insurance advice

The rich will pay for US health care.

nospam@example.com (Todd Page) — Fri, 17 Jul 2009 08:13:00 -0500

According to the recent health care bill the wealthiest in this country will be the ones flipping the bill when it comes to paying for government run health care.

Here are a few things to consider though:
Although most of us, including myself, do not fit in these tax brackets why should people who make more have to spend their money on people that make less?

The people that are going to get taxed more already account for almost 90% of the taxes paid in the entire US now.

What is going to be the incentive for coming up with a new idea? Working 90 hours a week to be successful? Investing in a business to try and make a lot of money?

If we take the incentive away from those who are already paying their fair share and then some why would they continue on when all they will end up with is being penalized more?

Now many will argue "they have enough money already so what do they care". Well that answer quite simply is who should decide who has enough money and when? the US government? I believe this is why many like to live and come to the US for opportunity and free enterprise. This may have been a great thing for the past 300 years but it may now be coming to the end.

To learn more about the rich Americans who will have to pay click here:Rich will have to pay up for health care.

Health Care looks better on TV....so does a Big Mac.

nospam@example.com (Todd Page) — Mon, 13 Jul 2009 09:09:47 -0500

No wonder why we have to have a baited town hall meeting and infomercial on health care weekly. Selling is a tough game and we need the media to help out.

Have you ever seen what a fast food sandwich looks like on TV? Looks pretty good doesn't it? Ever see what it looks like when you open it up after buying one?

Would you like to see a few?

Click here: Good Fast Food

What will our health care look like once the government is in charge and it's no longer on a baited infomercial.

It will probably look like a few of these sandwiches!

Buy affordable health insurance before the government makes you buy it.

nospam@example.com (Todd Page) — Wed, 08 Jul 2009 10:04:16 -0500

The latest news out of Washington DC is the government may make you buy health insurance, and if you don't you could be penalized.

All insurance is designed to protect you from a large loss that could wipe out your bank account.

Don't wait on government health care or for them to make you buy a plan that might not be right for you.

Click here to see how affordable health insurance can be: Free health insurance quote

AMA supports both public and private option for health insurance.

nospam@example.com (Todd Page) — Mon, 06 Jul 2009 08:42:50 -0500

The AMA, America's largest physicians Association supports a public and private option for insurance.

To see how much the private option will cost you click here:Private health insurance rates

To learn more about what the AMA has to say on the subject click here: AMA private health insurance plan

Once again Massachusetts proves not to be the model for health insurance.

nospam@example.com (Todd Page) — Fri, 03 Jul 2009 08:43:00 -0500

As we have heard many times the State of Massachusetts run health plan is somewhat of the model that US government will be using on the National health care platform.

However, according to a recent poll only 26% of voters believe the MA program is a success and only 21% are convinced reform lowered costs.

Now that would be only 1 out of every 4 who think this plan is working.

80% of Americans are satisfied with the way their health care is delivered now so......what are we all missing?

To read more about the State of Massachusetts health plan poll click here: MA Poll for state health insurance

The State of Massachusetts health plan for the entire US? Not a good idea.....

nospam@example.com (Todd Page) — Wed, 01 Jul 2009 07:41:00 -0500

The State of Massachusetts has had their own version of a National health care plan for their state for some time now.
So how is it working for one in the least populated states in the country?

Not very well.............

Enrollment is far less than they expected......
Costs are way more than they predicted......
People sign up when they need it......cancel it when they don't.....
Massachusetts is arguably in the worst financial shape next to California.

Sounds like another well thought out government entitlement program. Many think this should be the roll model of what the National plan will look like. Take cover !!! Here comes Teddie and Barney to rescue us all after they drove their state to near bankruptcy. Have no plan......write checks......figure the rest out later....sound familiar?

To here more about how the State of Massachusetts health plans is working click here:Massachusetts Health Plan

New health care term: Voluntarily Uninsured

nospam@example.com (Todd Page) — Sat, 27 Jun 2009 08:40:00 -0500

We have all seen the numbers..........47 million uninsured Americans........it's a crisis.....a crisis........

Are we to believe that all 47 million uninsured Americans cannot afford to buy a policy or qualify for one?

Recent reports have indicated that no this isn't the case and many could afford to buy a policy but choose to be "voluntarily uninsured".

I would like to see a stat as to how many people that don't purchase health insurance have done any of the following recently:

Purchased a new car instead of health insurance
Smoke cigarettes instead of buying health insurance
Drink alcohol instead of buying health insurance
Take a vacation instead of buying health insurance
This list could go on forever..........

I guess it's easier those to go without and expect to buy some only when you need it and complain that you can't get it then because you were too irresponsible to buy some before you got sick.

Or maybe it's easier to just leave it up to the government to provide for us by the means they know best....write checks, print more money, and over tax us later when it blows up.

To see estimate of how many of the uninsured Americans that are voluntarily uninsured click here: Volutarily Uninsured

Actuaries weigh in on health care costs

nospam@example.com (Todd Page) — Wed, 24 Jun 2009 08:08:00 -0500

If we want to know the real answer to what health care reform will cost, who should we ask?

-The government?
-The health insurance companies?
-The DR's and hospitals?
-The Drug companies?

I have a feeling we will not get a real straight answer from any of the above.

What about an Actuary?
Or for lack of a better term, a 'bean counter' that establishes costs based upon risk.

Does health insurance in this country have to do with risk? Some would argue no, we should provide it just like Fannie and Freddie provided houses to some that were not a good risk.

If we do not want another Freddie and Fannie on our hands we MUST look at the overall risk.

Health care and the risks that accompany it have to be calculated based on some of the following factors, whether you provide a private or public option:

-How many people will be covered?
-How many people will not be covered?
-What is the overall health of the total population?
-What does medical care cost?
-What will be covered?
-What will not be covered?

One common consensus among actuaries is that if you cannot charge or qualify a person based on medical risk the ONLY way to make this work is that everyone must be covered. Many do not understand this and many think you should have to right to sign up for health insurance only when you get sick or when you need it.

The easy answer to this is to try to compare it to auto insurance. If you passed a law that said you can sign up for auto insurance after you have an accident, your auto insurance would be 100 times the amount it is now and would make it unaffordable to most.

Currently there is no mandate or law that requires you to have health insurance. Some can't afford it, some quite frankly can but choose not to buy, so when they have medical expenses everyone ends up paying.....you and me in taxes, the insurance companies get charged more to make up for those that do not have coverage, etc.

Actuaries do one thing: they research and provide a cost analysis based on risk and costs. Actuaries have nothing to gain like drug companies, insurance companies, or DR's and hospitals. They do not profit based on the factors....they just give the numbers.

To read more about what some actuaries are saying click here: Actuaries look at the cost of a US health plan

Health Care by the numbers..........

nospam@example.com (Todd Page) — Mon, 22 Jun 2009 08:51:22 -0500

The estimated numbers for 2010 are in and there are some interesting facts.

There are a little over 300 million Americans.
Of which 259 million are covered under some type of health insurance plan, whether it be through their employer, they bought it on their own, or through a government plan now.

Here's a thought........why don't we worry about the people that don't have any coverage FIRST rather than trying to "help" everyone including the ones that have coverage now?

To read more about the stats click here:US Health Care by the numbers

Government to allow overseas purchases of medication?

nospam@example.com (Todd Page) — Sat, 20 Jun 2009 06:50:00 -0500

Recent reports have indicated the US government may allow Americans to purchase medications from an overseas pharmacy or directly from the drug manufacture if/when they have to start paying the bill.

So why doesn't the FDA allow it now? Why do they say it's very dangerous? Why do they make the public and health insurance companies buy drugs only in the US at many cases twice the amount?

The answer to this is you can legally buy your medications from a US pharmacy that purchases them directly from an overseas manufacture.

Click here to price your medication: Drugs for half the cost

Where does your health insurance premium go?

nospam@example.com (Todd Page) — Fri, 19 Jun 2009 08:31:00 -0500

Have you ever wondered where your health insurance premium goes? How much do you think is lining the pockets of the big bad health insurance company?

-20%?
-30%?
-40%?

More.......?

You may be surprised to know that only .03 cents of every $1.00 is profit for the insurance company.
Is this too much? Some think so. But if you own a small business or even a large one what do you make in profit? 3%? probably not or you would be out of business in most cases. One of the reasons we have health insurance in this country is because our system is built on free enterprise which allows a business to make a profit as long and as much as the market will bare.

Another fact that most people do not know is health insurance is already heavily regulated by the government. It is regulated so much that in most states when a health insurance carrier wants to raise rates they must go to the state, show how much was collected in premiums, and how much was paid out in claims. If the amount of profit exceeds government regulations the insurance company cannot raise rates.

Who will be watching the government and what they charge if/when it's their turn to provide health care?

To see a breakdown of where your health insurance premiums go click here: Health Insurance premium breakdown

$1 Trillion and still 37 million uninsured?

nospam@example.com (Todd Page) — Thu, 18 Jun 2009 08:08:00 -0500

I thought the whole idea of a government health plan was to help all of the uninsured people in the US.

According to a recent study by the CBO we will spend $1 Trillion in health care over the next few years and this will still leave 37 million uninsured Americans.

To read more click here: $1 Trillion still equals 37 million

4 reasons Obama's health care plan may not be such a great deal.

nospam@example.com (Todd Page) — Fri, 12 Jun 2009 08:42:14 -0500

We have recently been given a glimpse as to what a public health care plan may look like. Although most of the details are sketchy at best here is one take on what we may expect:

Click here: New health care plan is no bargain

Health Insurance with a shrinking deductible

nospam@example.com (Todd Page) — Thu, 11 Jun 2009 11:37:00 -0500

Have you ever wondered why you are not rewarded if you don't use your health insurance?

You may go years and never reach your deductible and the insurance company never has to pay a claim but your rates still go up.

Part of the reason the premium still goes up is because health insurance has a pooling effect, which means yours rates go up to help pay for those people who had claims.

But hope may not be lost..........

You can now buy a health insurance policy that contains a "shrinking" deductible.

Here's how it works:

Let's say you buy a policy with a $2,000 deductible to save money. Every 6 months you do not reach the deductible the insurance company gives you a 10% credit off your deductible or 20% per year.
So if you manage to go a year without reaching $2,000 in medical expenses the insurance company will credit your deductible 20% or take $400.00 off of your deductible going into your 2nd year. You would now have only a $1,600 deductible while still locking your rate in for up to three years.

If you would like to be rewarded for not using your health insurance click here for a free instant health insurance quote with a shrinking deductible:Get quote now for shrinking deductible health plan

Health Insurance with a 3 year rate guarentee.

nospam@example.com (Todd Page) — Wed, 10 Jun 2009 08:13:25 -0500

Did you know there are health insurance plans available with a 3 year rate guarantee, regardless of how many claims you file?

Obviously most would pay the same premium they pay now to lock in their rate for up to 3 years.

But does it make sense to pay a little more?

Example:
Current plan for a family of 4 costs $652.00 per month (year 1). In the 2nd year you receive a 12% rate increase on your premium so your premium is now $730.24 per month. In the 3rd year you receive another rate increase of 12% so your premium is now $817.87 per month.

This would equate to a grand total of: $26,401.32 in premiums over the three year period.

Here is an example of a health insurance policy with a 3 year rate lock.
In the first year the premium is $687.00 per month or $35.00 per month more than your current plan, however in the 2nd and 3rd years the premium remains the same.

This would equate to a grand total of: $24,732 in premiums over the 3 year period, a SAVINGS of almost $1,700.00 in premiums!

This again is if you only receive a 12% rate increase per year and this may be more depending on where you live, claims, etc.

Why take a risk with the unknown. Lock in your rate for 3 years today!

To view an instant online quote for health insurance with a 3 year rate lock regardless of claim history click here: Instant health insurance quote with a 3 year rate guarantee

Should I buy health insurance now or just wait for government health care?

nospam@example.com (Todd Page) — Mon, 08 Jun 2009 10:42:40 -0500

One dilemma many are facing right now is whether to purchase a private sector health insurance policy or wait and see if/when the government will have an alternative plan available in the next few years?

Here are some things to take into consideration before you decide:

Currently there is no National Health Care program available and the US government is in the very early planning stages. More than likely if ever available it may be no sooner than 2011.

Waiting on a government plan until 2011 could potentially cost you financial ruin or bankruptcy in the meantime.

If/when available this plan may or may not be right for you depending on how much money you make. The early stages of the "what will it cover" seem to indicate the plan will be available at a low cost for low to low to middle income individuals and families. If you are middle class or above this may not be the choice you make at a later, yet to be determined date.

Currently there are restrictions that state if you currently do NOT have health insurance, and in most states, if you have nor had it for more than 63 days you will be subject to a pre-existing condition clause which could leave you without coverage even when you sign up. Again preliminary planning seems to indicate this will continue to be the case even with a government health insurance plan. The main reason for this is to make people sign up for medical insurance BEFORE they get sick, not after. Just think how much car insurance would be if you could sign up after you got in an accident and the insurance company had to pay your claim.

The only answer to this is to buy an affordable health insurance policy NOW, even if it has a $5,000 deductible and is all you can afford. This will serve two purposes:

-Keep you from financial ruin/bankruptcy today
and
-Enable you to have more options later if when a government program is available in addition to a private sector policy.

Does your car insurance cover oil changes?

nospam@example.com (Todd Page) — Sun, 07 Jun 2009 10:12:00 -0500

Does your car insurance cover oil changes? tune ups? tires? brakes?

It sure would be nice if it did!

Or would it?

If our car insurance covered all these things the premiums would skyrocket to 2-3 times what they are now making car insurance unaffordable to most.

So why do we expect our health insurance to cover check ups, hair loss, sexual function, and maintenance medication at a low premium.

Take this as an example:
The average vehicle in the US is worth around $12-15,000. Many people these days due to costs carry a $500 to $1,000 deductible in case they 'total' their vehicle. So in other words many are ok with paying $500 to cover a $12,000 risk.

Now let's take a look at health insurance:
Many people who look at health insurance think a policy with a $2,000 deductible without an office call or prescription drug benefit (aka 'co-pay') prior to meeting the deductible is worthless coverage. Most health plans have a lifetime benefit of at least $1-2 million. Are we asking too much of our health insurance if we are not willing to pay $2,000 if we have a $100,000 or $500,000 hospital bill? Should we expect the health insurance to cover office calls at 100%, drugs at 100%? Is $2,000 too much to pay if you have a have heart attack? cancer? etc.

Is $2,000 too much to cover a $2 million risk?

Many will argue that they can't afford to come up with $2,000 upfront. If you can't afford $2,000 upfront how will you be able to come up with $10,000 or $100,000 later? If you had a $100,000 hospital bill and the insurance company paid $98,000 to the hospital, every hospital in the US would be more than happy to let you make an affordable payment on the remaining $2,000. Carry no insurance and you are now facing a $100,000 bill that most likely will cause you to go bankrupt.

See link on US health related bankruptcies. Medical Bill Bankruptcies

Should we ask our health insurance to pay for office calls and routine services so that's it's unaffordable or should we ask it to provide for coverage to keep us from financial ruin?

Obama Flip Flops on Healthcare

nospam@example.com (Todd Page) — Fri, 05 Jun 2009 10:56:07 -0500

President Obama has recently switched gears from his original campaign agenda. Taxing employer benefits was a McCain original, which President Obama disagreed with during his entire campaign. Is it a good idea or is the intention just to force more people into the government plan if/when it becomes available?

Read more here

What will Obama's new government health plan cover?

nospam@example.com (Todd Page) — Mon, 01 Jun 2009 11:21:00 -0500

We are all wondering if/when this government health insurance plan becomes available what will it cover?
Many government mandates in the past several years have been one of the factors in rising health insurance premiums. Although requiring insurance companies to pay for these mandates reads well in the news, what does it really cost the consumer?

Some recent mandates: hair transplants for pattern baldness, Viagra, abortions, weight loss surgery, nail fungus medications like Lamisil (at $10.00 per pill), name brand or new medications, etc. There are over 2,000 mandates in the US, which drive up health insurance premiums.

Many states have already mandated these and many others to insurance companies. I wonder if the government plan will cover all of these and anything else we might need in the future. I wonder if covering these will sound like such a great idea when the government is writing the check with tax payers money?

Are we all really going to believe that the government will issue free health insurance cards to all of us that will pay for anything and everything we want? Medicare and Medicaid do not pay for these now. Strike one.

In Canada for an example you are more likely to be given a generic drug over a higher priced or newer name brand drug. Why? The Canadian government is the one deciding what drug you will take and when. No nail fungus drug for you. Strike two.

Strike 3 coming to your DR's office soon.

COBRA - Is it the best deal out there?

nospam@example.com (JLBG Health) — Fri, 06 Mar 2009 16:55:00 -0600

Maybe....Maybe Not.

Recent legislation concerning COBRA has left many with unanswered questions.

The American Recovery and Reinvestment Act of 2009 offers people eligible for COBRA a 65% credit towards their premium.

Q: What is COBRA?

The Consolidated Omnibus Budget Reconciliation Act or COBRA allows workers who have lost their job to keep the group health insurance plan provided by their employer.

Q: 65% is a big savings, are there downsides?

A: The 65% COBRA subsidy only lasts 9 months. After which you will have to pay the full COBRA premium or find a private health insurance plan. If you get sick in the first 9 months you may not be eligible for a private health insurance plan, forcing you to pay the entire COBRA premium once the subsidy expires.

Q: How does the 65% credit work?

A: Nobody, including the government, seems to have all the details just yet. The subsidy comes as a tax credit to the employer. The unclear details is how, when, or what tax forms are needed by the employer to file for the credit. In addition, not many employers are happy about 'fronting' health insurance money to former employees while waiting to get it back from the government.

Q: What is the cost of COBRA versus a private individual policy?

A: The typical COBRA premium can range from $300 or more per month for single coverage, to well over $1,000 per month for a family. In contrast, private individual health insurance can cost less than half this amount, and be kept for as long as the premium is paid.

Q: How could an individual health insurance plan cost less than COBRA?

A: COBRA must take everyone regardless of health status and cover all pre-existing conditions, which causes the price to be very high. An individual or family health insurance plan is medically 'underwritten', which means that you must qualify in order to receive coverage.

Q: Why would I want a plan that I have to be medically underwritten (asked about my personal medical conditions)?

 A: Think of it this way…if you went to a bank and asked them what you needed to qualify for a loan, and they said to you: "nothing…..all our customers qualify, pay the exact same interest rate, and no credit application or report is required". This may sound great at first, especially if you had bad credit. However, if you had good to fair credit, chances are you would receive a much lower rate if they ran a credit report or 'qualified' you for the loan. The same principle applies to health insurance…..better the risk…..better the rate.

Q: A lower premium on an individual health plan sounds great but what if I have a pre-existing condition?

A: This varies by state and the medical condition. Some states allow premium ratings (a rating is extra premium to cover the condition immediately). Some states allow exclusion riders (a rider excludes the condition for set period of time). Some states allow both. Our health insurance agents can help you.

Q: Can you give me an example of a pre-existing condition and how it may work when I apply for private insurance?

A: Let’s say your single COBRA premium is $325.00 per month and you have asthma. To save money you apply for an individual health insurance policy that costs $150 per month, but the insurance company wants to place an exclusion rider (not cover) on your asthma for 2 years. Now your asthma may be very well in control and it may not be. Let’s assume it is and you use a few inhalers a year and you have not been in the hospital or ER in a very long time due to your asthma. You may decide at this point it’s not worth an extra $175 per month or $2,100.00 a year to have your asthma covered from day one or go without insurance period because you can’t afford $325.00 per month. This however gives YOU another choice and you will have to make the best decision for your situation.