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Democratic Governors Voice Concern Over Health Care Bill
Democratic Governors Voice Concern Over Health Care Bill
Democratic Governors Voice Concern Over Health Care Bill
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Home Page > Finance > Insurance > Democratic Governors Voice Concern Over Health Care Bill
Democratic Governors Voice Concern Over Health Care Bill
Posted: Dec 08, 2009 |Comments: 0
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Republican governors are not alone in being concerned about what the proposed health care legislation might mean for their already overstrained budgets: Democrats share the same worries. “We’ve got concerns,” Gov. Jack Markell of Delaware said in an interview Wednesday, hours before getting elected as the chairman of the Democratic Governors Association. “And we’re doing our best to communicate them. We understand the need to get something done, and we’re supportive of getting something done. But we want to make sure it’s done in a way that state budgets are not negatively impacted.”
From the start, Republican governors have been more outspokenly critical about the health care legislation – in particular, the bill proposed by Harry Reid of Nevada, the Senate majority leader – which they said would saddle them with millions of dollars in additional Medicaid costs as insurance coverage is expanded. At their own meeting two weeks ago in Texas, Republican governors declared Democrats felt the same way as they did, but were less apt to say it out of loyalty to President Obama.
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Asked about that, Mr. Markell responded: “Perhaps we’ve expressed some of our concerns less publicly. But I believe all governors are certainly concerned about what the potential impact is of some of these bills.”
Mr. Markell said that there was no division between governors and the administration on the need to get some sort of health care bill through; he said that he was reminded of the need in conversations with small businesses struggling with health care costs and constituents who have been unable to get health care coverage. He said his concern was some of the bills being considered would do that by shifting some of the costs to the state – but said he remained confident, after conversations with the White House, that would not be the case.
Whatever the outcome of the health care deliberations, Mr. Markell said he did not believe it would affect the electoral outcome for governors in 2010, a year in which 19 gubernatorial seats currently held by Democrats are on the ballot. The key issues, the governor said, were jobs and the economy.
And to that regard, Mr. Markell said that he was hopeful that the White House and Congress would dispose of the health care deliberations and move on to discussing some sort of jobs creation legislation.
“Right now I believe we need to be focused really significantly on the state level on jobs and on the economic climate overall,” he said. Asked if Mr. Markell thought Mr. Obama and Congress were spending too much time on health care at the expense of the economy, he responded: “Well I feel it would be terrific if they could finish health care and move on.”
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Home Page > Finance > Insurance > How To Get Affordable Health Insurance In Indiana
How To Get Affordable Health Insurance In Indiana
Posted: Jan 04, 2010 |Comments: 0
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Most people don’t give serious consideration to health insurance until they realize how much medical care actually does cost. Many young individuals, in particular, feel they can slide by without health insurance because presently they feel great. The problem with this line of thinking is that an illness can strike with little warning, and even though the likelihood of developing a serious disease increases as a person ages, there is still a chance that you can become ill while young. For this reason it’s important to start looking for affordable health insurance while you are still in your twenties or thirties.
In Indiana, if you are single and make under ,149 a month, you will qualify for state assistance with your health care premiums. If you make more than that you’ll need to find affordable health insurance on your own. The best place to start this search is with your employer. Ask about any group plans that you may be eligible for now or in the future. Quite often these types of plans offer very extensive benefits at a cost that is fractional to what you’d pay in a private plan. Even if you feel that you don’t need all the coverage, with the low cost it comes at, you can certainly afford to have it.
When you are shopping for health insurance from a private company it may seem a bit overwhelming. There are many choices in health care plans and it’s important to pick one that offers the benefits you feel you need now. You can always adjust your coverage in the future if your health care needs change. This typically occurs after you marry or have children. Until then, pick a plan that offers the basics. This will ensure you have coverage when you need it at a price you can afford.
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Health Care Challenge Could Prevail
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Posted: Nov 08, 2010
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When 21 states and several private groups initiated lawsuits challenging the constitutionality of the Obama health care law earlier this year, critics denounced the suits as frivolous political grandstanding. But it is increasingly clear that the plaintiffs have a serious case with a real chance of victory. Easy To Insure ME has the answers
The suits focus primarily on challenges to the new law’s “individual mandate,” which requires most American citizens to purchase a government-approved health insurance plan by 2014 or pay a fine. One of the cases was filed by 20 state governments and the National Federation of Independent Business in a federal court in Florida. Another was initiated by the Commonwealth of Virginia in a federal court in this state, and a third by the Thomas More Law Center in Michigan.
The judges considering the Florida and Virginia cases have both issued rulings rejecting the federal government’s motions to dismiss the suits and indicating that the mandate can’t be upheld based on current Supreme Court precedent. By contrast, Michigan district Judge George Caram Steeh wrote a decision concluding that the mandate is constitutional. But even he agreed that the case raises an “issue of first impression.”
In the most recent of the three rulings, Florida federal District Court Judge Roger Vinson wrote that the government’s claim that the mandate is clearly authorized by existing Supreme Court precedent is “not even a close call.” He points out that “[t]he power that the individual mandate seeks to harness is simply without prior precedent,” because no previous Supreme Court decision ever authorized Congress to force ordinary citizens to buy products they did not want.
An August ruling in the Virginia case by federal District Judge Henry Hudson reached the same conclusion. As Judge Hudson points out, “[n]o reported case from any federal appellate court” has ever ruled that Congress’ powers “include the regulation of a person’s decision not to purchase a product.”
The federal government claims that Congress has the power to impose the mandate under the Commerce Clause, the Necessary and Proper Clause, and the Tax Clause of the Constitution. On the first two claims, Judge Vinson ruled that Supreme Court precedent doesn’t clearly support the government, thereby enabling the plaintiffs’ lawsuit to go forward. He outright rejected the government’s claim that the mandate is constitutional because it is a “tax.” It is instead a financial penalty for refusing to comply with a federal regulation. As Judge Vinson pointed out, congressional leaders consistently emphasized before the law’s enactment that it was not a tax.
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In September 2009, President Obama himself noted that “for us to say that you’ve got to take a responsibility to get health insurance is absolutely not a tax increase.” He was right. If the mandate qualifies as a tax merely because it punishes violators with a fine, then Congress could require Americans to do almost anything on pain of having to pay a fine if they refuse. It could, for example, force citizens to buy virtually any product, such as purchasing General Motors cars for the purpose of helping the struggling auto industry.
The government’s Commerce Clause argument is equally dubious. The Clause gives Congress authority to regulate “Commerce . . . among the several states.” But the individual mandate regulates that which is neither commercial nor interstate.
Virtually all purchases of health insurance are intrastate because a combination of state and federal law makes it illegal to purchase health insurance across state lines. Moreover, the object of the mandate isn’t even commerce at all. Instead of regulating pre-existing commerce, the bill forces people to engage in commercial transactions they would have otherwise avoided.
A series of flawed Supreme Court decisions have expanded Congress’ Commerce Clause authority well beyond what the text of the Constitution permits. These rulings allow the federal government to regulate almost any “economic activ ity.” But, as Judge Vinson emphasized, even they do not give Congress the power to regulate people “based solely on citizenship and on being alive.” Far from engaging in “economic activity,” people who decide not to purchase health insurance are actually refraining from doing so.
In his decision in the Michigan case, Judge Steeh argued that the mandate is constitutional under the Commerce Clause because deciding not to purchase health insurance is an “economic decision.”
“Economic decisions,” he reasoned, include decisions not to engage in economic activity. This approach would allow the Commerce Clause to cover virtually any choice of any kind. Any decision to do anything is necessarily a decision not to use the same time and effort to engage in “economic activity.”
If I choose to spend an hour sleeping, I necessarily choose not to spend that time working or buying products. Under Judge Steeh’s logic, the Commerce Clause authorizes Congress to force workers to get up earlier in the morning so that they would spend more time on the job.
Some defenders of the law claim that the individual mandate is similar to federal laws banning racial discrimination against customers by businesses such as motels and restaurants. But federal antidiscrimination laws apply only to existing businesses already engaged in commercial activity in the regulated industry. By contrast, uninsured individuals are not businesses and, by definition, are not participating in the insurance industry.
The federal government also argues that the mandate is authorized by the Necessary and Proper Clause, which gives Congress the power to “make all Laws which shall be necessary and proper for carrying into Execution” other powers Congress is granted by the Constitution.
Even if the mandate is “necessary,” it is not “proper” under our constitutional system of limited federal authority. If the Clause allows Congress to adopt the individual mandate, the same logic would justify almost any other requirement Congress might impose on individuals, thereby gutting the principle of limited federal power.
The legal battle over the mandate is far from over. The Florida and Virginia rulings are not final decisions. Both cases, as well as the Michigan decision, are sure to be appealed to the federal courts of appeals and, ultimately, the Supreme Court.
The anti-mandate plaintiffs still face an uphill struggle. Courts are rarely willing to strike down a law that is a centerpiece of the political agenda of the president and his party. Nonetheless, it is increasingly clear that lawsuits are far from “frivolous” and have a real chance to prevail.
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Conscious Eating For Better Weight Loss And Better Health
Conscious Eating For Better Weight Loss And Better Health
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Home Page > Health > Conscious Eating For Better Weight Loss And Better Health
Conscious Eating For Better Weight Loss And Better Health
Posted: Mar 04, 2011 |Comments: 0
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Genetic modified foods (GMO), growth hormones and antibiotics in fish and beef not only add more fat, but are feminizing many men. Laparoscopic banding and liposuction treatments are the surgeon’s best answer to shedding pounds. Whatever method is used, the effects are only temporary. But one thing often overlooked is in the eating habits developed through life. Few people take time to eat properly. They wolf down their food instead of chewing it thoroughly so that the saliva can mix with the food before it is swallowed.
A few decades ago the family sat together to enjoy a well prepared meal that consisted of fresh vegetables that often came directly from the backyard garden. Today, everyone moves at a faster pace that leads to faster eating. But eating faster doesn’t help stem the rising tide of flatulence, constipation, bloating and diarrhea that occurs to those who don’t have good eating habits. Eating should be a pleasure. Eating needs to be a conscious activity.
But most people eat without concern as to the portions they eat. They sit in front of the television, read the paper, chat on the cell phone or engage in heated arguments with their spouse and children. They are constantly distracted from the necessity to pay attention to the plate. Conscious eating means being aware of the reasons why food is consumed. Many eat to fill a psychological need. They eat to subdue fear, anxiety or overcome an inferiority complex. Bulimia, binge eating and anorexia are disorders that temporarily solve mental or emotional problems, but their effects on health are devastating.
Conscious eating means being aware of the actual taste, smell and texture of the food eaten. It requires concentration on what’s on the dinner plate rather than focusing on the need to dash out the door to meet some unplanned obligations.
Conscious eating requires paying attention on two levels:
1. Eat the Right Foods:
Few people ever realize what they put on their dinner plate can be unhealthy. Since they don’t often cook their own food, they consume too much fat, sugar and chemicals. Avoid hydrogenated oils and foods that contain trans fats and acids Avoid Bisphenol A (BPA) that comes in the lining of many plastics and cans. BPA is a chemical that breaks down and leaches into water and food. It has been banned in Canada and Europe for its toxicity. Know where the food comes from and how it was produced. GMO foods, foods sprayed with pesticides and chemically treated to look fresh are far from healthy Eat organic meats from antibiotic free and grass fed beef. Free range chicken produce better meats and eggs. Limit the intake of cookies, cakes and salty snacks Limit alcohol intake Avoid imported products that come from China and other countries that have no laws against the use of DDT and other chemicals
2. Develop Good Eating Habits: Eat only when hungry Savor food. It allows the stomach the 20 minutes it needs to signal the brain that it is full. Chew thoroughly Avoid distractions that pull attention away from the act of eating Avoid eating for emotional reasons
Good health starts with conscious eating. In today’s world, cultivating good eating habits will help reduce excess weight and maintain health and happiness.
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Extending health care to more kids
Extending health care to more kids
Extending health care to more kids
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Home Page > Finance > Insurance > Extending health care to more kids
Extending health care to more kids
Posted: Jan 04, 2010 |Comments: 0
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OneWorld Community Health Center is looking for 6,000 kids.
The agency that generally provides health care to the underserved has received 6,264 from the federal government to create a program to enroll thousands of children in either of two government insurance programs for low-income children.
Many metro-area children are eligible but aren’t enrolled because their families don’t know the programs exist or don’t know their kids could qualify, said Andrea Skolkin, chief executive officer of OneWorld. That means some of those children are going without health care or are getting far less than they could.
OneWorld’s goal is to enroll at least 6,000 children. The agency’s outreach effort has just begun.OneWorld will place staff members in day care centers, schools, after-school programs, churches, food pantries, organizations and other places.
“We want to be where people are versus making people come to us,” Skolkin said.
They will contact families at those sites and determine whether they have children who qualify but aren’t enrolled in Medicaid or the state’s Children’s Health Insurance Program.
The staff members will have laptops to take down information and scanners to scan in citizenship documents and proof of Nebraska residency. Children must be citizens to receive the health care benefits.
The agency also will take referrals. For information, call 502-8888.
OneWorld, based in the Livestock Exchange Building, 4920 S. 30th St., has hired a director and will employ five full-time staffers for the program. OneWorld also has a clinic in Plattsmouth.
President Barack Obama this year allocated million to agencies in 42 states and Washington, D.C., for programs to conduct enrollment efforts over the next two years.
Through a competitive process, OneWorld was one of 69 entities to receive money. Iowa doesn’t have a program among the 69. An additional million will be distributed in 2012.
Enrollment among children in Medicaid and the Children’s Health Insurance Program has gradually risen in Iowa and Nebraska. The economy has worsened and awareness of the programs has broadened, spokesmen in Iowa and Nebraska say.
A child qualifies for Medicaid if his family’s annual income is at or somewhat above the federal poverty level, which is ,310 for a family of three.
Qualifying for CHIP isn’t as stringent. In Iowa, the state raised the CHIP ceiling this year to 300 percent of the federal poverty level, or ,930 for a family of three. Nebraska raised its income ceiling for CHIP from 185 percent this year to 200 percent, or ,620 for a family of three.
The Nebraska Department of Health and Human Services has estimated there may be close to 15,000 eligible children who aren’t enrolled. The Iowa Department of Public Health estimated there could be as many as 38,000 children who aren’t covered.
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Home Page > Finance > Insurance > Moderate Dems Reject Reconciliation To Pass Health Care
Moderate Dems Reject Reconciliation To Pass Health Care
Posted: Feb 01, 2010 |Comments: 0
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Two moderate Democratic Senators facing re-election battles this year said Tuesday they would oppose using a legislative tool that requires only 51 Senate votes to get health care legislation to President Barack Obama’s desk.
Sen. Evan Bayh, D-Indiana, called the move, known as reconciliation, “ill-advised,” while Sen. Blanche Lincoln, D-Arkansas, issued a news release rejecting the procedure.
“I will not accept any last-minute efforts to force changes to health insurance reform issues through budget reconciliation, and neither will Arkansans,” Lincoln said in the statement.
Both the House and Senate have passed separate health care bills, entirely on support from Democrats.
Democratic leaders were working on merging the two bills, but the nation’s political landscape changed last week when Massachusetts elected Republican Scott Brown to fill the Senate seat held by liberal Democrat Ted Kennedy for almost 47 years until he died in August.
Brown’s victory cost Democrats their 60-seat super-majority in the 100-member Senate necessary to overcome a Republican filibuster. The shift means Republicans can block Democratic initiatives such as health care reform.
Now Democratic leaders are working on a plan for the House to pass the Senate bill, along with a separate package of changes in the Senate plan that reflect compromise between the two chambers.
The package of changes would have to pass both the House and the Senate.
Without the 60-seat super-majority, Senate Democrats now are considering using the reconciliation tool that would require only 51 votes to pass the measure.
However, some Democrats in tough re-election fights worry voters will see that as legislative gimmickry, reinforcing complaints that Democratic control of Washington has been business as usual.
Bayh told CNN that using reconciliation “would destroy the opportunity, if there is one, for any bipartisan cooperation on anything else for the rest of the year.”
Senate Majority Whip Dick Durbin, D-Illinois, dismissed opposition to using reconciliation as a way to get health care legislation to the president.
“I think reconciliation has been used effectively by both parties,” Durbin said. “I wouldn’t walk away from it. It’s an option we should keep on the table.”
Senate Democrats still have 59 votes in their caucus, meaning they could lose eight Democratic votes and still have the 51 needed to pass a health care package through reconciliation.
Still, Democratic sources warn that using reconciliation is complicated and fraught with legislative hurdles, raising questions about whether it could happen even if enough congressional Democrats supported the move.
House Speaker Nancy Pelosi, D-California, emerged from a meeting with Senate Majority Leader Harry Reid, D-Nevada, late Tuesday and said they are making progress on “some kind of package,” but reiterated that at this time “there are not the votes in the House, not anywhere near, to pass the Senate bill.”
Earlier, Reid told reporters there is now “no rush” on health care.
Obama, who made health care his top domestic priority last year, will address the issue in his State of the Union Address on Wednesday, said White House Press Secretary Robert Gibbs.
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The Bill Includes Health Insurance For Slackers!
The Bill Includes Health Insurance For Slackers!
The Bill Includes Health Insurance For Slackers!
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Home Page > Finance > Insurance > The Bill Includes Health Insurance For Slackers!
The Bill Includes Health Insurance For Slackers!
Posted: Mar 25, 2010 |Comments: 0
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If President Barack Obama gets his trillion dollar health care bill passed this week by the Democrats in Congress, parents will be required to pay for their unmarried kids’ health care coverage until the age of 26. And Generation Y and ‘millenials’ will be enticed to continue slacking, without a job, well past college graduation. While ski bums everywhere are cheering the news that the federal government will be forcing parents to pay for their health insurance through age 26, parents are questioning why the federal government is enticing a whole generation to stay unemployed.
America has always been a place where hard work is rewarded regardless of one’s age, family status or educational background. If you have an idea you are committed to and make sacrifices to further the idea, you can be wildly successful in our capitalistic system. In America, you can launch a multi-billion dollar computer company from your garage, you can grow up homeless and make it Harvard and you can create a world-wide social networking movement while still in college. But you can also be a slacker if you have the means to slack. Spending a year skiing, hanging out on the beach and surfing or traveling the world are options for the few lucky ones who have parents wealthy enough to pay for such endeavors.
But should the U.S. government encourage college kids to become slackers? Does Generation Y need any more encouragement to feel entitled? And should society guarantee a 5 year hiatus from responsibility after college graduation for millions of college kids? While it is true that many college graduates today will be self-motivated to find a career, make their own money and contribute to society, Generation Y has been the most entitled generation in history. Should the American taxpayer tempt these kids further into believing that the American dream is easy to fulfill?
Obama’s health care bill is being celebrated on the slopes of Colorado and the surf shacks of California but is a dangerous precedent for future generations. Here is the exact wording:
SEC. 2714. EXTENSION OF DEPENDENT COVERAGE.
(a) In General – A group health plan and a health insurance issuer offering group or individual health insurance coverage that provides dependent coverage of children shall continue to make such coverage available for an adult child (who is not married) until the child turns 26 years of age.
One could understand extending another entitlement program through age 26 in countries where the average work week is 30 hours per week and vacation time is guaranteed at 8-10 weeks per year. But is this new proposal anti-American? We aren’t supposed to reward people who don’t work hard and make sacrifices to get ahead. And we aren’t supposed to guarantee anything in America but a fair shot. America is a place where you prove your commitment to your family and your community through hard work and sacrifice. It is this ethic that we call American values.
But the American free-market system is under intense assault from President Obama and his partners in the overwhelmingly Democratic Congress. Obama has proposed massive new programs to give money, guaranteed jobs and entitlements to millions of Americans. In 2008, 36% of Americans paid no taxes. Think about the fact that more than 1/3 of our neighbors paid zero taxes. Did you pay any taxes last year? If you were part of the working group that paid for the slackers, do you really think they need another entitlement program that you will have to pay for?
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Choose Cobra Or Individual Health Insurance ?
Choose Cobra Or Individual Health Insurance ?
Choose Cobra Or Individual Health Insurance ?
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Home Page > Finance > Insurance > Choose Cobra Or Individual Health Insurance ?
Choose Cobra Or Individual Health Insurance ?
Posted: Aug 25, 2010 |Comments: 0
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If you left your job voluntarily or I ejected out for the economy, maintain health insurance coverage for you and your family should be one of your top concerns. Even if you are green, can not afford to go without health coverage. All it will take a bad flu season or a serious accident to make a bad situation even worse. Choosing the best type of insurance for your family is as important as deciding to keep it. It’s best to join the Cobra or should go ahead and buy individual health insurance ?
COBRA employers to help you stay healthy for their coverage up to 18 months after he stopped working for them. For most families, this cover acts as a safety net covering them until they are able to sign for different coverage. Individual health insurance, on the other hand, is private insurance that is purchased directly from the insurance company. Until continue paying the premiums will always be covered if you are employed or not.
It’s hard to say whether the individual health insurance is better than COBRA, because the situation of each person is unique and two types of insurance have advantages and disadvantages. With COBRA is sufficient to maintain the same coverage you had with your previous employer. The difference is that now you are responsible for the entire cost of insurance while before your employer in 50-100% of the premium. This can be quite expensive and you will be able to change the insurance plan to something cheaper. Moreover, the coverage is only available for a limited time.
Often you can customize your personal health insurance policy to get what you need can result in lower premiums would be Than COBRA. And, as mentioned before, as long as you continue paying the premiums paid for the rest of your life. The disadvantage of this option is that you may not be able to provide insurance if you have an underlying condition. This, of course, depends on the pre-existing condition you have, but it is quite possible that it would ultimately be rejected outright or pay more for your insurance than you would with a COBRA policy. The best way to understand the best insurance options for you is to talk with an experienced health insurance agent can help you find the policy that suits your needs.
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How many health insurance companies in california ?
My mother is 62years old. no major health problem except some pains in legs, tooth problem and a cataract. she has no insurance or medi-claim. i want to purchase her an health insurance. plz advice
How many people are employed in the health insurance industry?
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United Health Plan of Georgia
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Home Page > Finance > Insurance > United Health Plan of Georgia
United Health Plan of Georgia
Posted: Jan 05, 2010 |Comments: 0
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As you review the different health care options available in Georgia, you’ll note that there are options from several major national providers. In reviewing pros and cons, you’ll want to make sure your choice is financially sound, ranks well, and provides access to the health care professionals or organizations that you prefer. Another method for choosing well is to review ratings from third parties. US News and World Report recently ran rankings of some of the health insurance providers who operate in Georgia; they evaluated responses from consumers, physicians, and their own reviewers to come up with ratings and scores
United Health Plan performed fairly well, just two-tenths of a point behind their competition, Aetna, on the ratings report, with an overall score on a 100 point scale of 82.3. Like the national competition in Gerogia, United Health has NCQA accreditation; this means that they’ve gone through a rigorous screening process to meet 60 separate standards checks and must annually renew and prove that they are meeting increasing tough standards of quality in order to retain this prestigious distinction. Think of the NCQA as the “Good Housekeeping” seal of approval, for insurance plans. For more information on NCQA, an independent not-for-profit group, visit their site—ncqa.org.
United Health Care performed particularly well with regard to treatment options—specifically, for asthma medication and treatment. They have strong support for other treatment needs as well (mental and behavioral health, alcohol and/or drug awareness, and testing for children and adolescents). The balance of their scores were average or above average, in most categories.
One of United Health Care’s biggest initiatives on a national level—especially relevant for Georgians who live in rural areas or who may not have access to every specialty, within their local area, is a new partnership with Cisco to present “Connected Care”. Connected Care takes advantage of technology to offer access to health care providers and resources online, in a one-on-one format, with secure conversations possible between patient and doctor (minus the office visit). There is an accompanying mobile access clinic (again, to increase access in rural communities) and the initiative, just launched, is gaining momentum. Imagine—being at work, and being able to spend 5 minutes one-on-one chatting with your doctor about a problem or question—without taking 90 minutes from your day to drive to the doctor, wait, meet with him/her, drive back…online access means quick answers, less worry, and better communication. And access to specialists in faraway places is that much easier.
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Why Health Insurance Premiums Won’t Drop Under Obama Health Proposals
Why Health Insurance Premiums Won’t Drop Under Obama Health Proposals
Why Health Insurance Premiums Won’t Drop Under Obama Health Proposals
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Home Page > Finance > Insurance > Why Health Insurance Premiums Won’t Drop Under Obama Health Proposals
Why Health Insurance Premiums Won’t Drop Under Obama Health Proposals
Posted: Jan 27, 2010 |Comments: 0
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When it becomes law, families will save on their premiums,” President Obama declared in his weekly radio address before Christmas, pitching his health care reform. If only that were so. Nobody who tracks health insurance sees any sign of softening premium prices for people who already have insurance, Obamacare or not. Premiums for 2010 were up 10% and are predicted to keep growing at the same rate in coming years.Health insurance is beginning to resemble air travel–where deep-pocketed business passengers subsidize penny-pinching vacationers. Insurance companies, under the measures in Congress, would be forced to take all comers, young and old, healthy and sick. Over ten years they would confront 1 billion in spending on uninsured and newly subsidized customers, costs that would be passed along to the young and healthy. The federal government isn’t going to pick up all of that tab. So those now insured through a private plan at work or one bought individually will have to chip in.
If you’re thinking the legislation will tamp down overall health care spending, reconsider. Policy analysts ranging from the neutral Congressional Budget Office to the HMO lobby see no abatement in the growth rate of health care spending. That sector of the economy is growing at a 7.4% annual rate, says actuarial firm Milliman. Medicare’s chief actuary, Richard Foster, thinks that the Senate bill would expand health spending by 4 billion above current projections.
The premium hikes will result from cost shifting, better known as passing the buck. The House and Senate insurance bills aim to cover their costs in part by cutting annual Medicare reimbursements to hospitals, doctors and drug companies by billion. Those providers will likely try to offset the cuts by negotiating higher rates with private HMOs–which then get passed along through higher premiums. That’s exactly what occurred after past Medicare and Medicaid cuts, according to the CBO analysis. Families USA, a nonprofit group advocating expanded federal involvement in health care, says insured families are already absorbing ,000 a year in costs shifted away from uninsured patients.
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