• Access to health insurance in Mass. still complicated, inconsistent

    Access to health insurance in Mass. still complicated, inconsistent

    ncqaThe truth about the health insurance system is it’s just very complicated,” “there are people who are truly ineligible for subsidies, people who don’t know the subsidies are available, and people who, even with the subsidies, insurance is too expensive,” Boros said.

    A recent survey about health insurance access and costs reveals that while Massachusetts still leads the nation in the percentage of insured residents, health-care costs continue to outpace inflation and income growth, leading roughly one in six respondents to forgo medical care because of potential costs.

    In terms of long-term trends, Massachusetts has led in the percentage of those with insurance but has struggled with high cost of health care for many years and families have had to adapt to that for many years,” said Aron Boros, executive director of the Center for Health Information and Analysis, which undertakes the annual survey.

    But Mr. Boros said he was surprised to see that the survey revealed that health insurance for many is inconsistent.

    “One thing that surprises me is that even though we have an insurance coverage rate of 96 percent, there are still a large number of people (13.6 percent ) who are uninsured at some point in the year,” said Boros. – best coffee grinder

    The Center for Health Information and Analysis undertakes an annual survey to gauge health insurance coverage, health care access and use, and health care affordability for state residents. The survey was administered between May and August and involved 5,002 individuals including children, adults between 19 and 64 and adults aged 65 or older.

    The survey includes findings that:

    – Massachusetts continues to lead the country in the percentage of residents with health insurance in 2015, with 96.4 percent of residents covered by health insurance versus 90.8 percent of residents nationwide.

    – 87.3 percent of the uninsured in Massachusetts in 2015 are working age adults and were disproportionately likely to be male, single, Hispanic and with a family income of less than $46,800 a year. Many of these uninsured may be eligible for Medicare or subsidies for health care.

    – One in six respondents reported an unmet need for health care because of cost, and one in five reported an unmet need for dental care due to cost. Moreover roughly one in six respondents reported difficulty paying family medical bills in the last year.

    – More than half of those who are uninsured cited the cost of coverage as a key factor in their decision, the most cited response.

    – 13.6 percent of respondents reported changing to their current form of coverage from being uninsured at some point in the past in 2015.

    Mr. Boros said health care and the care system is so complex that it was difficult to give any one explanation to why people remained uninsured when subsidies are available.

    The truth about the health insurance system is it’s just very complicated,” “there are people who are truly ineligible for subsidies, people who don’t know the subsidies are available, and people who, even with the subsidies, insurance is too expensive,” Boros said.

    Looking closer at the issue in Worcester – where approximately 20 percent of the population is Latino and the median income is $45,994, according to the 2015 Greater Worcester Community Health Assessment – supports this statement.

    Ivelisse Delgado, reception/benefits supervisor at the Edward M. Kennedy Community Health Center, said that most of the center’s uninsured patrons haven’t decided to reject health insurance – in fact, they often don’t realize they lack insurance.

    Most of them are coming in with inactive insurance,” Ms. Delgado. “They have lost their coverage, and we see more of those people coming in than anything else.”

    Ms. Delgado said that most of these patrons have been dropped from Medicaid/MassHealth for failing to renew their insurance, provide proof of income and residency, or other documents necessary to retain coverage. The health center does not keep statistics on the ethnicity of its uninsured patients without insurance. But the center services clients who speak nearly 100 different languages (Spanish is the second most common language after English) and many clients are new to the area and/or new to the country, Ms. Delgado said. Language barriers, a lack of cultural awareness or lack of access to information can also make the renewal of insurance difficult.

    So Ms. Delgado oversees the effort to help patients and community members sign up for or re-enroll in health insurance.

    Staff educate clients on the benefits of insurance in terms of receiving medical care and avoiding tax penalties. If the client desires, staff will help them evaluate insurance options, select a plan, and fill out the application for coverage.

    Ninety-six percent of patients who participate in the process are approved for insurance, Ms. Delgado reported.

    The health center also has a federal grant to offer insurance-counseling services throughout the community, giving presentations or offering walk-in services at various locations in the Greater Worcester area.

    Through these services, the health center assists 11,000 people a year, and enrolls an average of 8,000 people a year in health insurance, according to Paula Green, vice president for advancement.

    As for cost of health care, the health center offers a sliding fee for services dependent on income, so Ms. Delgado said that they are not having patients report that they are forgoing care because of ability to pay.

    But other data presented puts the issue of affordability in sharper focus.

    The Health Policy Commission’s 2015 cost trends preliminary report, presented last week, raises concerns about a 6.3 percent premium increase scheduled to take effect in January in the state’s merged insurance market. The preliminary report also notes a 5 to 6 percent increase in U.S. health care spending growth in 2015 – a larger growth than in recent years – and that increases in health insurance premiums have outpaced income gains, consuming more than 40 percent of family income growth since 2005.

    The presentation was optimistic, however, about low rate of growth in physician and hospital services, a well-functioning Health Connector website “marketplace for insurance,” and stabilizing numbers of enrollees in Medicare.

    But it echoed the CHIA report in reporting that 16.9 percent of residents reported an unmet need for health care due to costs. Furthermore, 19 percent of Massachusetts residents paid more than $3,000 out of pocket for health care, 17 percent of residents were paying off old medical bills and, of these, 9 percent owed more than $8,000.

    Mr. Boros said that the CHIA survey is trying to better analyze such costs by including, for the first time this year, questions about medical debt and access to care non-physician healthcare providers who generally offer lower cost services.

    One of the principals of health care reform is that you always want to have right care at the right time and in the right setting, and you always want to pay the smallest amount for the right care,” Mr. Boros explained.

    But he said that a lack of a multi-year data set concerning access to non-physician service providers makes it difficult for CHIA to suggest policy changes and to see if this is a trend.

    But David Auerbach, deputy director for research, at the Health Policy Commission, said that Massachusetts is one of the most restrictive states in the types of services a nurse practitioner can provide, primarily because Massachusetts does not allow nurse practitioners to prescribe drugs or work without an affiliated physician. Mr. Auerbach also referred to the commission’s prior work on this issue that concluded these restrictions may represent an unnecessary barrier to cost-effective care, and that nurse practitioners are, nationally, more likely to treat poor, minority or rural populations.

    Dr. Dennis Dimitri, president of the Mass. Medical Society, said that pairing physicians with nurse practitioners, nurse assistants and other non-physician care providers enable a collaborative, team approach that can provide a wider range of expertise. Dr. Dimitri described this as part of an “integrated model of care” that aligns care providers to offer patients’ many levels and types of services. But this model also consolidates services among a few provider networks. So asked whether this model – which Dr. Dimitri said was increasing in medical systems – was cost effective, Dr. Dimitri gave a familiar response…

    That’s tough to answer,” Dr. Dimitri said. “Economists always warn of reduced competition…but what I described to you can also lead to control of costs. If you have multiple points of care monitoring conditions you can avoid unnecessary emergency department visits, unnecessary re-admissions; it’s preventative, so heart disease or diabetes can be managed and isn’t out of control and then you encourage large efficiency.”

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  • NCQA Releases Health Insurance Plan Ratings for 2015

    NCQA Releases Health Insurance Plan Ratings for 2015

    National Committee for Quality Assurance (NCQA) has released new ratings, for measuring the performance of consumer health insurance plan in key areas.

    The new methodology has been in development for over two years, and it provides a more accurate view on the state of various health insurance plan, by evaluating the quality of service rendered by over 1000 health insurance plans. NCQA’s Health Insurance Plan Ratings 2015–2016, covered about 138 million people. They analyzed 1.358 health insurance plans, and ranked 1,016; Medicaid – 149, private – 491 and Medicare – 376.

    The new ranking for health insurance plan, gave priority to the satisfaction of the consumer and their health outcomes, and remains in harmony with the CMS Star Ratings of Medicare Advantage plans.

    Key deductions from the 2015-2016 health insurance plan ratings:

    Source: NCQA

    • Great Lakes and New England health insurance plans, are the best in customer satisfaction and performance. Wisconsin, Vermont, Maine, New Hampshire, Massachusetts, Michigan, Pennsylvania and New York health plans, received the highest percentage of 4.5 to 5.0 out of 5. * Out of 1,016 health insurance plans, 11% got the best ratings – 4.5 to 5.0 out of 5, while 5% received 1.0 to 2.0. Under a graph, most of the plans fall in the middle, thus forming a bell curve.
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    NCQA earlier health insurance plan ranking, is in conjunction with Consumer reports and US News. NCQA ratings comprises of:

    • Consumer Satisfaction obtained from surveys
    • Prevention – the role each health insurance plan play in preventing diseases through regular tests
    • Treatment – how the health insurance plan, provide recommended scientific care, for most sickness like heart disease, depression & diabetes.

    The outcome of a patient, brings an extra score during scoring for health insurance plan, in each category. In this case, is the disease brought under control or under specific recommended levels?

    This emphasis on results means that, together with consumer satisfaction, outcomes are the main driver of ratings results – NCQA said.

    The broad categories under which these health plans were grouped, provide consumers a simple guide to knowing their health insurance plan better. Drilling further, any consumer can learn how a particular health issue is being handled, under a health insurance plan.

    For instance, the efficiency of postpartum and prenatal care, may be of interest to expectant couples, while some families may want to know more about the 10 procedures of pediatric preventive care and cure.

    NCQA says it will maintain consumer Reports-NCQA relationship.

    About NCQA

    The National Committee for Quality Assurance, is a non-profit, private organization focused on improving the quality of medical care. They rate the health insurance plan, accredit health care organization, and recognizes key are of performance for clinicians.

  • insurance on health

    The impact of Health Insurance on health

    The impact of Health Insurance on health

    The presumption that people with health insurance plans, under the Affordable Care Act, will be healthier may be a farce. It often follows the idea that consumers with a particular illness will get the right drugs at their disposal, if they get health insurance plans.

    A recent study by Health Affairs, has thrown more light on the salutary effect of health insurance plans on chronic diseases. The study shows that as more (about half) uninsured (non-elderly) get enrolled for health coverage, close to 1.5 million additional new cases of people with chronic disease, will be recorded while about 659, 000 will get their sickness under control.  Referencing other studies, like in the aftermath of Massachusetts’s health care reform, mortality rate for ages 20 – 64 dropped (8 fewer deaths per 100, 000 adults) and many residents in another study for the same period, reported better health and preventive care under health insurance plans. These results have added unto the growing debate on the impact of health insurance plans on health, best fitness monitor

    An Oregon research for people selected randomly by lottery, for health insurance plans or coverage, showed a major impact on financial health and mental health by Medic pressure and cholesterol level, experienced no significant change.

    Another study shows less child and infant mortality, because of Medicaid expansion to pregnant women in the 80’s and 90’s.

    We can infer that, health insurance play an important role in improving health, to a degree depending on how the research is conducted or questions asked.

    I suppose one of the major motivations for us in doing this study is there’s been so much debate about the Affordable Care Act and relatively little discussion of health, whereas there’s been quite a bit of discussion about financial outcomes.

    said Joshua Salomon –  a global health professor, at the Harvard Chan School of Public Health.

    They analyzed the health status of participants, by comparing the health of those with health insurance plans and those don’t have it. The participants were extracted from a National survey between 1999 and 2012. The result showed that the likelihood of being diagnosed and getting the chronic disease under control is higher within the insured (with health insurance plans).

    The methods and data application involved in this study, is not very much different from what is already being used in other health research, except insurance deductibleinsurance, which is not a direct contributing factor to health.

    Sharon Long, of the Urban Institute health policy center, said that the large survey numbers, can overestimate the importance of having a health insurance plans. In general, researchers do agree on the benefits of health insurance plans.

    A health economics professor from Harvard Chan School of Public Health, Katherine Baicker feels that having health insurance plans are better than not been insured.

    What seems much less clear to me is how that option compares to other options. None of these studies say which is better: expanding Medicaid, or vouchers for private insurance.

    The ideal question now, should be how to restructure health insurance plans, in other to make people get the best from it, and not how big is the effect of health insurance plans on health. Also, there are growing interest involving health insurance coverage and the best way to improve health like poverty eradication. Poverty is mostly associated with poor health.

    In response to this, Sharon Long asks whether if pollution (air and water) are addressed, what do we see? Rather than expanding health insurance plans, can there be new strategies?

  • insurance health

    Types of Medical Insurance Plans

    Types of Medical Insurance Plans

    Affordable medical insurance plans has grown steadily in the past decade with the rise of insurance corporations, with several offering low cost and cheap medical insurance plans. This plans are accessible anytime, anywhere through their online platform. The insurance industry is very competitive and technology has played a crucial role in making medical insurance plans accessible and affordable. People can now get coverage irrespective of their budget size.

    The most common medical insurance plans are the simple plans, individual, group or family medical insurance plans, private medical insurance, travel medical insurance and the free health insurance coverage, etc.

    Finding the best medical insurance plans requires patience. By being patient, careful and detail in your search, you will likely get an insurance policy at a bargain price. There are lots of freebies attached to certain medical insurance plans, as well as extra cost or limited coverage in special cases. So take your time in digesting any policy or policy update that you are given, before making your final decision.

    Keep in mind that for any medical insurance plans you choose, the insurance company will require some tests and other information in other to assist you properly. Below you will find generalities that are absolutely imperative for medical insurance plans!

    • They won’t assist or accommodate without procedures for acquisition or a medical tests.
    • Automatic enrollment in the program.
    • Protection 24 hours a day with individual medical insurance plans anywhere in the world.
    • Toll free from anywhere in the world to request medical insurance assistance.
    • No deductible.

    It’s frustrating when young, to be ill and bankrupt. Illness can befall anyone with prior invitation. So you need to get your life together and focus on deductibleyour priorities. How you go about this, the choice is yours. I do feel that the best way is to plan ahead when all is still rosy. This will help you overcome lots of issues during the rainy days.  After fitbit blaze, go search for a good medical insurance plans before it’s late.

    Travel Medical insurance Plans for many scenarios

    If you have been planning a trip in advance, for a get together with your family or friends in a magnificent place, the least you expect is to deal with bad circumstances. The unexpected as you travel could happen at the very last minute. For example, a change in weather conditions or a sudden illness, what will you do? The worst case scenario, may be a wildfire forcing you to cancel the trip. Imagine that your awaited trip is around the corner.

    Opt for a healthy path with the best medical insurance plans

    If you want to fully enjoy life, the best you can do is to flow and venture into the most exciting adventures while being protected. Affordable medical insurance plans are now available. If you want to take advantage of cheap medical insurance plans, you should reach for the major medical insurance companies. That is right and the best part is, at an affordable cost, you can still get what you want!

    With the focus on cheap medical insurance plans, many considerations are to be taken into account. The final price is subject to the delivery of all the information required by the medical insurance company and the result of risk analysis conducted by subscribers. No need to worry because you will find low cost medical insurance plans for sure.

    Some extra medical insurance policy offer more coverage for baggage loss or liability, depending on the services offered (which can vary). Negotiation is possible. Remember it is absolutely necessary to select wisely. When hiring medical insurance plans, you need to provide enough information, so you can be accommodated with the best plan.

    Be ready to submit the below data:

    • Age of Contracting.
    • Insurance Application duly signed by the client.
    • Identity card or passport of the customer.

    So, what if you become seriously ill and need medical help. What if your current health insurance doesn’t cover it? Modifications in medical insurance plans can be done, but extreme financial losses can result. Begin your medical insurance plans search now!

    Types of Medical Insurance Plans in USA

    The health insurance market is quite promising with different types of medical insurance plans for people with diverse financial backgrounds! If you are ought to buy a plan from the marketplace, remember to rank them based on the level of care offered. Generally, bronze health care plans would pay 60% of the medical expenses. Silver plans will pay 70% of the actual cost, Gold plans are designed to take care of 80% the cost and the platinum ones offer 90% coverage. Though there are plenty of medical insurance service providers, you will be allowed to choose only from four different medical insurance plans. This covers over Health Maintenance Organization (HMOs), Preferred Provider Organization (PPOs), Point of Service (POS) and High Deductible Health Plans (HDHP).

    Types of Medical Insurance Plans: Plan #1 – Health Maintenance Organization

    HMO offers healthcare assistance through hospitals, clinics and organizations that fall within a network. Individuals with HMOs will have the least freedom in picking their healthcare service provider. However, they will have a predictable out-of-pocket expenditure. This gives HMO an upper hand in the different types of medical insurance plans. Also, HMOs have nominal amount of paperwork. In just few short hours, you can obtain a Health Maintenance Organization Policy. Through HMO, your medical stature will be managed by primary care doctors, who will refer you to other specialists if required.

    Types of Medical Insurance Plans: Plan #2 – Point of Service

    Point of Service and HMO are quite similar. Nevertheless, POS will let you handpick the right kind of medical insurance plans. They are much more flexible than HMOs! On the other hand, you must be prepared, to engage in a predestined amount of paperwork. Just like HMOs, even POS starts with primary doctors and shifts onto specialists only if it is required. Generally, POS enjoys lower premiums, when compared against PPO plans. This is because you start with a primary care doctor. Meanwhile, co-insurance payments can be as high as 30%!

    Types of Medical Insurance Plans: Plan #3 – High Deductible Health Plan

    Next in the list of different types of medical insurance plans in USA would be the “High Deductible Health Plan” (HDHP). As suggested by its name, you will be expected to pay a more amount of money during medical situations. That is because HDHP has high out-of-pocket charges. Once you reach the maximum out-of-pocket expenditure, the healthcare plan will take complete control. That is why you must define your maximum limit carefully! Deductibles can range anywhere between 1500+ USD to 6500 USD. Along with a HDHP, you can opt for POS, HMO or PPO plans too!

    Types of Medical Insurance Plans: Plan #4 – Preferred Provider Organization

    The list of types of medical insurance plans in USA closes with Preferred Provider Organization (PPO). This plan offers moderate amounts of freedom, certainly more than HMO but lesser than POS. Unlike the other healthcare plans, you are not expected to visit a primary healthcare doctor before seeing a specialist. Nevertheless, PPO suffers high out of pocket charges and has oodles of paperwork. When you see out-of-network doctors, PPO will force you to pay a bigger price!

  • Senate approves bill repealing Cadillac tax on expensive health plans

    Senate approves bill repealing Cadillac tax on expensive health plans

    For too long, Democrats did everything to prevent Congress from passing the type of legislation necessary to help these Americans who are hurting,” McConnell said on the floor. “Today, that ends.”

    The Senate on Thursday passed legislation repealing the core pillars of Obamacare (cadillac tax), taking a major step toward sending such a bill to the president’s desk for the first time.

    Republicans hailed it as a political messaging victory and a fulfillment of their promise from the 2014 midterm election to force President Obama to veto the landmark healthcare reform law named after him.

    The measure passed 52-47 after the Senate voted to significantly strengthen the bill originally passed by the House and brought straight to the floor by Majority Leader Mitch McConnell (R-Ky.). More on best coffee grinder

    The House will need to approve the amended legislation before it can be sent to the White House.

    Thursday’s vote was a major event in the Senate, as Democrats never allowed a stand-alone vote on an ObamaCare repeal bill when they controlled the chamber.

    Democrats were also unable to block the GOP measure, which was brought to the floor under budget reconciliation rules that prevented a filibuster.

    “For too long, Democrats did everything to prevent Congress from passing the type of legislation necessary to help these Americans who are hurting,” McConnell said on the floor. “Today, that ends.”

    The measure guts the law by repealing authority for the federal government to run healthcare exchanges, and scrapping subsidies to help people afford plans bought through those exchanges. It zeros out the penalties on individuals who do not buy insurance and employers who do not offer health insurance.

    Sen. Bernie Sanders (I-Vt.), who is running for the Democratic presidential nomination, missed the final vote.

    The vote caps weeks of intense and at times acrimonious debate within the Senate GOP conference over how far the repeal should go.

    Conservative Sens. Ted Cruz (R-Texas) and Marco Rubio (R-Fla.), who are running for president, and Sen. Mike Lee (R-Utah) threatened to oppose a House-passed repeal bill for not going far enough.

    Three moderates, Sens. Susan Collins (R-Maine), Mark Kirk (R-Ill.) and Lisa Murkowski (R-Alaska), balked at it for including language defunding Planned Parenthood.

    GOP leaders briefly floated the possibility of dropping the Planned Parenthood language but dropped the idea knowing it could spark a conservative backlash.

    Instead, McConnell leaned on Cruz, Rubio and Lee to vote yes and sweetened the prospect by crafting an amendment that dramatically beefed up the Senate package. All three voted yes.

    “This bill is a substantial improvement over the original House bill, and I’m grateful to Senate conservatives and Senate leadership for joining me in making it so,” Cruz said in a statement after the vote.

    It repeals the expansion of Medicaid adopted by 30 states as well as many of the law’s tax increases, which the House bill left in place.

    It cuts funding for the Prevention and Public Health Fund and eliminates risk adjustment programs from insurance companies that lose money because of the law.

    The House bill eliminates the individual and employer mandates, the “Cadillac tax” on expensive insurance plans and the medical device tax.

    The question of how to handle Medicaid was a thorny one for McConnell because it pitted conservatives, who demanded a repeal, against Republican colleagues from states that expanded the safety-net program.

    “I am very concerned about the 160,000 people who had Medicaid expansion in my state. I have difficulty with that being included,” Sen. Shelley Moore Capito, a Republican from West Virginia, told The Hill earlier this month.

    Vulnerable GOP incumbents face reelection next year in several states that have expanded Medicaid: Illinois, New Hampshire, Ohio and Pennsylvania.

    McConnell eased their concerns by phasing in the repeal over two years to give the federal government and states time to come up with a replacement program.

    The Senate bill also repeals the over-the-counter medicine tax, the prescription drug tax, an annual fee on health insurers and the tax on indoor tanning services. It reduces the threshold of healthcare costs that can be deducted from 10 percent to 7.5 percent of adjusted gross income.

    Cruz and Rubio signaled to GOP leaders earlier in the week that they would vote for the package but Cruz held out, keeping his colleagues guessing.

    The GOP leadership braced itself for the possibility that Cruz might attempt to force the Senate to vote on a one-sentence provision repealing the entire bill, which the Senate Parliamentarian Elizabeth MacDonough had ruled out of order.

    Cruz could have attempted to overturn the ruling of the presiding chair, who almost always follows the advice of the parliamentarian, with a simple-majority vote. But he decided not to, a pragmatic move since he colleagues were unlikely to back him.

    Collins and Kirk voted against the repeal package after an amendment they offered earlier in the day to strike the language defunding Planned Parenthood failed by a vote of 48-52.

    Murkowski, another sponsor of the amendment to protect Planned Parenthood funding, voted yes for the broader bill after declining to take a public position before the floor debate.

    The Senate voted throughout the afternoon on a variety of amendments, many of them intended to send a political message.

    Democrats sought to score political points by offering an amendment sponsored by Sen. Dianne Feinstein (D-Calif.) to bar suspected terrorists from buying guns. It failed by a vote of 45-54.

    The Democratic Senatorial Campaign Committee blasted vulnerable Republicans who opposed it.

    “It’s reprehensible that with everything going on in the world, these senators won’t stand up to the special interests and pass a commonsense measure like closing the terrorist gun loophole,” said Lauren Passalacqua, a spokeswoman for the committee.

    An amendment sponsored by Sen. Rand Paul (R-Ky.), another presidential candidate, to loosen restrictions on concealed weapons permits fell six votes short of the 60 it needed as a nongermane proposal.

    Senators passed by a vote of 90-10 an amendment sponsored by Sen. Dean Heller (R-Nev.) to repeal the “Cadillac tax” on expensive health plans. The provision was included in the House bill but had to be sunset to pass parliamentary muster in the upper chamber. Heller’s amendment removed the time-limiting language.

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  • insurance deductible

    Health Insurance Deductible Rises 6 times faster than Wage

    Health Insurance Deductible Rises 6 times faster than Wage

    Health insurance deductible have outpaced the average worker’s wage, six times more since 2010. A new study by a medical policy research group – Kaiser F. Foundation, shows that deductibles paid by workers have risen for individual health insurance plan, from $900 in 2010 to $1300 in 2015. The employee health insurance deductible, from small business rises a year to about $1,800, or even $2000 on the average.

    It’s a very powerful trend, said Drew Altman, Kaiser’s chief executive. Advocates for consumer protection, worry that as the country’s largest health insurance provider merge together, the costs becomes higher for consumers.

    These employee insurance plans are examined by Kaiser Survey, while on Tuesday, a Senate hearing scrutinized the mergers.

    According to Mr. Altman, low premium policies sold through state exchanges under affordable health care, rely on higher health insurance deductible. So many employees have traditionally, within the law, increased their health insurance deductible, to reduce associated cost.

    Employees can now shoulder more medical cost, as the law may be encouraging more changes by employees. The new tax law, called Cadillac tax for high-price medical plans, is making employers consider increasing health insurance deductible for employees. The law faces opposition and could go into effect in 2018: coffee maker with grinder

    The high health insurance deductible, raises questions about the motives behind the law, as employees with chronic and expensive conditions may find it difficult to pay medical bills.

    In general, individual and family medical insurance are increasing modestly. Kaiser noted an increase of 4 percent on the average this year, well below its cost decade ago. But as employers are relieved from the burden, the middle class are feeling the brunt of stagnated wages and a steady rise of health insurance deductible.

    People are now subjected to difficult choices under affordable medical plans. For example, a 52yr old teacher, Berth Landrum saw her family’s plan, health insurance deductible rise to $3,300 a year. Mrs. Landrum, whose insurance coverage came from her husband’s employer, has delayed having an M.R.I. scan because of the potential cost. They (family) are much concerned about the potential debt they might owe, if something eventually happens. With their current health insurance plan, they now pay more towards health care cost.

    It’s really scary, Ms. Landrum said.

    Employers feels that the employees’ stake in requesting for a test or choosing a doctor, justifies the higher health insurance deductible.

    The employers “are putting more decision-making authority in the employees’ hands,” said Robert Reiff – Head of an insurance brokerage firm. Many insurance companies are mostly offering high deductible health plan with a savings account. To help pay medical bills, employees or employer can fund those accounts.

    Online tools like cost calculator and a direct access to a doctor/nurse (through a computer or telephone), are now been provided to employees, by health insurance companies, to help make better decisions and possible costs.

    Most consumers feel they are healthy and might unlikely accrue hefty medical bills. They are a bit skeptical about paying a higher health insurance deductible; just like Matt Freedman – 34, who choose deductible of $6,000, only to have a hospital stay after developing a serious infection after a minor surgery.  “I knew it was a risky plan,” he said.

    The state marketplaces are also not free from higher health insurance deductible.

    Now I don’t even want to go to the doctor, says 27 old Rebecca Bullard.

    After cracking a rib, she got worried about the potential cost of visiting a doctor, though she had a health insurance plan with $2,500 health insurance deductible.

    Employers and policy makers are also getting concerned, about people with serious health issues forgoing medical care.

    It may be tamping down on unnecessary care, but we’re seeing a lot of evidence of skimping on necessary care, said Sara R. Collins, the health care coverage vice president.

    Survey conducted by a non-profit group, shows that the 45% of private health insurance with five percent health insurance deductible, have decided, when sick to avoid the doctor or go for a test. A recent report by Truven Health Analytics, shows companies experiencing lower utilization, when health insurance deductible are high. Screenings for cervical cancer and mammograms are getting fewer, even though worker’s preventive care is covered by a high deductible health plan. As a result, David Lansky from the Pacific Business Group on Health, reports that most of the companies he works with are now reluctant in raising health insurance deductible higher.

  • deductible

    High Deductible Health Plan (HDHP)

    Health Insurance Deductible

    A high deductible health plan is a low premium insurance plan that comes with higher deductibles. They are designed to take care of more serious, calamitous or catastrophic ailments, while offering less coverage for consistent checkups involving prescription medication.

    The high deductible health plan can exceed $6,000 within a calendar year, and once completed the medical insurance plan will begin. During this period, the high deductible health plan has additional co-payments, unlike other medical insurance plans. It comes into play once the deductible is met.

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    A flexible or health saving account (HSA) is usually connected to a high deductible health plan, in several cases. A specific sum is deposited into your flexible account every payday, while a tax deferral solitary yearly contribution, to a health saving account is made.

    High Deductible health Plan with a Flexible Spending Account

    major medical insuranceA high deductible health plan using flexible spending account, comes with restriction. You either use all the cash in the flex account within the calendar year, or you lose them. Strict measures do apply to how you utilize the cash, so there will be no room for an end of the year spending spree, just to consume all of it. A tight budget is ideal to avoid depositing more money, than you can actually spend within the calendar year.

    High Deductible Health plan with a Health Savings Account (HSA)

    Using a high deductible health plan with a HSA, any cash commitment made is removable on the basis of tax deferral. Also, certain expenses like for medical are not taxed, while interest accrued in the process, is subject to tax deferral. The balance (unused money) might be rolled over and utilized for future health expenses. The healthier you are, the better the choice of a high deductible health plan with HSA. It can result in a maximum balance.  Your medical insurance policy will be greatly reduced, if more money is left in the HSA. This can be re-used in future. Numerous retirees utilize the cash for bill payments, as well as paying for medical insurance policies amid times of unemployment.

    High Deductible Health Plan: Who is it for?

    Buying a health plan involves a substantial investment. Money is needed for paying medical expenses. So anyone with difficult financial standings, may find it hard should an on-foreseeing medical condition occur. Clients or individuals who need regular medical appointments, is not an excellent fit for high deductible health plan. In the event that medication is required regularly, the monthly cost should be considered prior to investing in a high deductible health plan.

    Choosing the right medical insurance plans will help you overcome troublesome times. A high deductible health plan is the ideal choice for many clients. It’s HSA, offers excellent investment opportunity, although it was particularly created for individuals with calamitous medical condition.

  • Review On MEDEX International Travel Medical Insurance

    Review On MEDEX International Travel Medical Insurance

    MEDEX International travel medical insurance offers assistance with effective travel medical plans for individuals up to 85 years of age. The medical scheme comes with both short term and major medical insurance plans. Each of these plans are fine tuned to help ardent travelers with critical requirements. The enticing MEDEX coverage is designed with emergency reunion features and special covers for minor kids too. An interesting facet that differentiates MEDEX from the rest would be its unique facilities and comprehensive customer support. They assistance spans from hospital payments to pre-trip details to multi-lingual translation support to transfer of funds across the world. MEDEX International travel medical insurance offers few optional facilities too. The coverage includes hazardous sports plans, AD&D Limits, interruptions, lost luggage advantages and unexpected trip cancellation support.

    In the Long Run!

    If you are an ardent customer of MEDEX, you will have the ability to enhance your medical plan at any time. However, you should handpick the right plan to enjoy such benefits. For example, very few plans offer the flexibility to enhance their AD&D limits. Also, some MEDEX International travel medical schemes will let your claim lost baggage and optional trip cancellation facilities. One might consider these services as optional. Nevertheless, these plans will help you in the long run.

    If you wish to get a MEDEX International travel medical insurance quote, you must navigate through the service provider’s main website. The website will give you a comprehensive insight through all possible MEDEX plans in the market. Consequently, you can compare and contrast as many plans as possible before making a final decision.

    The Very Many Options

    Two major MEDEX International travel medical insurance plans would be TravMed Abroad and TravMedChoice. By default, TravMed Abroad offers coverage for people up to 85 years of age. It is a short term travel medical option with evacuation coverage too. If you are affected by health conditions and injuries during a trip, the medical plan will help you. TravMed Abroad is helpful across different nations. And, the service provides annual coverage too.

    Another interesting MEDEX International travel medical insurance plan would be TravMed Choice. This is a special coverage for people who are travelling outside their country. The plan lets customers handpick their medical benefit and deductible. It is ideal for global travelers who want sickness and accident insurance. There are many optional services offered by TravMed Choice. This includes package benefits like interruption, trip cancellation and lost luggage.

    The Verdict on MEDEX International Travel Medical Insurance

    On the whole, MEDEX is a wonderful International travel medical service provider. It has an experience that spans across three long decades. The service provider is loaded with many enticing features for those who are ought to travel across the world. Also, the plan has facilities for travelers who are ought to reach 85 years of age (this is a rare facility in the industry). However, you should be aware of your needs and wants. This is when you can make the most out of the MEDEX International travel medical insurance scheme.

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    How to Use an International Travel Medical Insurance Policy

    For a lot of people, holidays are all about spending time with their loved ones and feeling relaxed. However, the process of planning for a successful trip is easy said than done. Regardless of where, how and when you travel, it is quite important to have MEDEX International travel medical insurance policy. An ideal policy will make sure you are taken care at all times.

    If you are a novice International traveler, here are few important things you must keep in mind.

    Tip #1 – Be Quick

    In accordance with the old adage, “The sooner the better” – you must plan ahead of time. Take off few hours from your busy schedule and start planning. Look for the towns’ best International travel medical insurance. Remember that there are many service providers with exquisite features. You must compare and contrast as many as possible to bag the best deal.

    Tip #2 – Know the Details

    When you opt for an International travel medical insurance policy, make sure the details are shared and stored properly. Always carry a copy of the papers with you, leave a copy with your dear ones back home and at the hotel room. Additionally, you must provide details of emergency contact too.

    Tip #3 – Be Prepared

    Medical insurance service providers are known for a comprehensive range of assistance. Before you go on an international tour, make sure you are aware of the nation’s health risks. There are several nations with identified health problems. If you are ought to visit these countries, you must be physically and mentally prepared.

    Never make assumptions with your travel medical insurance scheme. If you are confused or worried about something, read through the policy’s terms and conditions. For example, it would be wiser to inquire if the policy covers luggage and accidents like slipping on ice. After all, it is always wise to be safe than sorry.

    Tip #4 – The Right Policy

    At all times, try to buy your medical insurance plan as early as possible. Never wait for last minute offers and deals. Also, take time and read through the policy’s cancellation formalities. Insurance companies have a unique way of reimbursing costs and covering medical conditions. To be safe, you must choose the right policy with the right features.

    Tip #5 – The Additional Features

    A lot of ardent travelers tend to extend their period of stay in the travel destination. This is when your travel medical insurance scheme should be modified too. Check if the policy lets you buffer and extend the cover. Do you know that some travel medical insurance schemes offer comprehensive coverage to gears? There are plenty of credit cards and policy providers with special coverage facilities. These covers will ensure the product is replaced or funded when lost or stolen.

    The Verdict

    Regardless of the policy you pick, make sure you know what you are getting. If you have doubts about the coverage, ask for help from professional healthcare service providers. They will give you a comprehensive insight on what should be done before, during and after the trip for a successful cover.

  • health insurance agency

    Reasons to Avoid Certain Healthcare Insurance Agencies

    DIY Healthcare Insurance

    Are you looking for healthcare insurance quote? We can help. Read up our tips to find out how to find cheap insurance quotes online. We will help you to make the right choice and get the medical insurance plan that will best fit your needs. Choosing the best health insurance does not have to be hard.

    When involved in a healthcare insurance, be sure to get as many quotes as possible on your own. This will ensure that you can stand your ground versus an insurance adjuster as well as ensure you are getting a fair quote. If there is a debate, be sure to calmly confront your adjuster and assume that they are not trying to cheat you.

    If you can afford to do so, it is cheaper to pay your healthcare insurance premiums all at once rather than by making monthly payments. Most medical insurance companies will charge interest and other fees in addition to your monthly payments, or may offer a discount for paying in a single lump sum.

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    Healthcare insurance is like any profession: it uses a lot of specialized words (indemnification, liability, etc.) So if you don’t understand something about a policy you’re about to buy, STOP. Ask the health insurance professional you’re talking with to back up and explain in simpler understandable terms. Let them continue or do it again and again, if you still don’t it. Nothing is far worse than buying a health insurance policy with little coverage or costs too much, because you weren’t comfortable in asking the right questions beforehand.

    If you have filed a claim for whatever it is, the job of the insurance company is to try minimize that claim, while it’s your job to get back what you lost. If you are fortunate to work in a trustworthy and principled company, you should understand that you and the company are effectively at cross purposes and that you need to be an advocate for recovering your own loss.

    The wise consumer will take their own loyalty into account when comparing health insurance companies. An insurer that has provided years of effective, reliable and trouble-free service should not be abandoned the instant a slightly cheaper alternative becomes available. It is quite likely that a healthcare insurance company that offers rock-bottom prices is cutting corners somewhere in the service they provide their clients.

    Healthcare insurance, car insurance, renter’s insurance, pet insurance, travel insurance, you name it.

    All of those things are necessary and they insure one’s peace of mind. It is easy to think that paying a minimal monthly amount is ridiculous, but when something catastrophic happens, insurance saves the day. Medical insurance will reimburse one for or pay medical bills.

    Purchasing healthcare insurance is necessary and it should factor into everyone’s budget. One hundred dollars every month is far easier to handle than one hundred thousand because something unexpected happened.

    With a little knowledge and research you will be better able to find the healthcare insurance you need. Now that you are better equipped to find the healthcare insurance that will best fit your needs you won’t be caught in the trap of making mistakes that many make as they are looking to get a new healthcare insurance policy.

  • health insurance policy

    Useful Tips for Choosing a Health Insurance Policy

    Useful Tips for Choosing a Health Insurance Policy

    Purchasing reliable health insurance policy is always a great way to have help on the way, when you need it the most, because you never know when you are going to get diagnosed with a disease. You can go through any kind of medical issues and through the financial stress associated with it, if you have the right kind of medical insurance plans. Read these tips to learn more about health insurance policy.

    When considering a health insurance policy from your employer, take a good look at your current health insurance plan and consider items that you might be able to change. You may be currently paying for more coverage than needed, or certain items that may now be obsolete. Take time to consider each option on the health insurance policy, what it means to you, and how much it is worth to have included in your health plan. Providing your family with total coverage including dental insurance, not only helps to promote the health of their teeth and gums, but their bodies, as well. Research has linked periodontal disease with strokes and heart disease

    Statistically speaking, many diseases like inflamed gums and ulcers, if left untreated can result to serious complications. Early detection andFree Health Insurance Schemes treatment by a dentists, is crucial in preventing further spread down the body, which could ultimately affect the digestive system and other organs. A greater number of Americans lack proper dental care because they do not have dental insurance, so try to stay healthy by buying a proper health insurance policy.

    Health Insurance Policy: Exercise

    Healthy habits like Exercise, play an important role in lowering a health insurance policy. Cash bonuses are given out by corporations, mostly to employees to fill out a questionnaire about one’s lifestyle; such as exercise and smoking. A favorable score on this questionnaire, can greatly reduce the company employee’s health insurance policy.

    So it’s essential, you verify all possible perks provided by your employer in your insurance policy. If you are not careful enough, plenty discounts can pass by without you knowing it. Discounts from exercise equipment, recreation centers, gyms, from non-smoking or even just answering a questionnaire on healthy habits, are usually given out.

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    Take full advantage of opportunities offered by your health insurance company and your employer. They are very rewarding and cash incentives from your employer, are sometimes included to per take in a particular exercise or insurance company giving lower premiums to quit smoking. Offers like this are rare, but helpful

    Health Insurance Policy: Nutrition

    Nutrition often provides an opportunity for you to lower health insurance policy, just by per-taking in special nutrition programs. To be eligible, you need to consult your health insurance agent. Also losing weight can attract added incentives to your health insurance coverage.

    The above health insurance tips, should guide you in your choice of medical insurance plans. Your budget and personal need, should come to mind when searching for the best health insurance plans. 

    The choice of health insurance policy is based on necessity and not a luxury. So go search for an affordable medical insurance plans now!

  • Free Health Insurance Schemes

    Free Health Insurance Schemes: A Comprehensive Review

    Free Health Insurance Schemes: A Comprehensive Review

    Free health insurance will help you meet up with high medical bills and protect you from expensive physician appointments. No one intends to fall ill or meet up with an accident; however, no one can stay away from visiting medical facilities or health care industries in the long run! This is when free health insurance policies become useful. Generally, this insurance scheme will make sure you pay little for health care units that are classed as a part of its in-network hospitals. Some free health insurance plans offer preventive care like check-ups, vaccines and screenings. Even before the deductibles are applied, you will receive preventive care. Above all, the health insurance scheme will take care of your dear one’s medical coverage too.

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    Free Health Insurance: Understand Your Needs & Wants

    It is quite interesting to note that there are many free health insurance policies in the market. From cheap to expensive, simple to complex, high endobamacare to individual, there are plenty of policies with fine-tuned requirements. With this being said, you must handpick a policy that best suit your needs and wants! Always remember that there is a thin line between the actual needs & wants.

    Free Health Insurance: A Practical Scenario

    Try to imagine this situation: “You are a young 25 year old college graduate, who is living with your parents and siblings. Currently, your parents have a free health insurance policy. Will this policy help you till you find a job?”

    Free Health Insurance: Commonly Asked Questions!

    To begin with, you should come in touch with your parent’s health insurance service provider. Verify if the company offers coverage for dependents too. If yes, you must inquire how long the coverage would be provided. In most cases, free health insurance schemes are offered till the dependents turn 26. Also, you will be eligible for the insurance scheme till you live with your parents and are unmarried. Meanwhile, if the service provider does not offer coverage for dependents, you must wait for a different plan or enroll in a separate health insurance policy.

    Basic Requirements to Enroll in Free Health Insurance Policies

    To enroll in free health insurance policies, you must satisfy certain requirements. Here is a quick review through these constraints:

    1) You should be a legal resident or citizen of USA. Several terms and conditions should be satisfied by immigrants. One should read through the state’s local statements to know if they are eligible for the free health insurance. For instance, US citizens who are outside the country for more than 300 days are not expected to avail the free health insurance coverage. Thus, you are not expected to pay any annual fees that is expected from other non-insured citizens.

    2) You must have a stable source of income. Generally, if you are single, you should earn at least 11,000 USD. If you have a family of three, you must make 23,000 USD every year.

    3) You should be more than 18 years of age.

    4) You should be prepared to by an effective coverage health insurance policy from a reliable Marketplace like Exchange.

    5) You should be at least living in United States.

    6) You must not be incarcerated. This is a fundamental requirement of the free health insurance policy.

    Different Types of Free Health Insurance Schemes

    There are different types of health insurance policies for people who earn lessor than 16,000 USD. When compared against many health schemes in the market, Medicaid offers affordable health schemes for potential buyers. If you get hold of a free health insurance scheme, you can free yourself from tax credits. In case your employer offers a scheme that costs 10% more than your annual income or if it does not cover 50% of the possible medical expense, you should opt for better health insurance schemes that can delight you with enticing tax benefits. As mentioned previously, remember that there are many free health insurance schemes in the market for potential buyers.

    Filling Health Insurance Applications

    Meanwhile, the process of filling health insurance forms is easy said than done. The applications are based on many important details like the family size and your income. If you don’t fill in the right information, you may not qualify for the free health insurance policy. In case you are unable to visit the service provider, opt for online assistance. These professionals will state if you are eligible for the health benefit or not!

    About Medicaid Health Policies

    As mentioned previously, Medicaid is one of the finest health insurance policies you can obtain. It offers coverage to people with very little income. In most cases, pregnant women, little children and families are covered. Over the years, Medicaid has witnessed many changes. Experts state that the policy’s rules change once in every three years. Hence, people who did not qualify for the free health insurance scheme several years ago, may qualify now! Above all, the policy does not have a limit on how many times it can applied for.

    About Children Health Insurance Program (CHIP)

    Another interesting free health insurance scheme would be CHIP alias Children’s Health Insurance Program. It is a low/free coverage for little ones from families that do not qualify for Medicaid. In some states, even pregnant women are allowed to avail the benefits of this free health insurance scheme. Conversely, CHIP is one of those most wanted health insurance benefits in the market.

    If you qualify for anyone of these free health insurance policies (Medicaid or CHIP), you can apply for its actual benefits at any time of the year. Nevertheless, you must make sure you are eligible for the free insurance scheme.

    Free Health Insurance: The Ultimate Bottom Line

    Though the facilities offered by free health insurance policies differ from one to another, there are few basic offerings. As mentioned previously, the policies will give free preventive services, at least three free visits to the hospital and plenty of deductibles. Nevertheless, you must read through the policy’s terms and conditions before opting for any free health insurance coverage.

  • medical insurance plans 2018

    Best Medical Insurance Plans for 2018

    Best Medical Insurance Plans 

    Compare USA companies with the best medical insurance plans for 2015. Everybody is keen on reliable healthcare insurance coverage. Over the years, medical bills have become expensive and complicated. This has increased the need for legit healthcare support. If you are searching for reliable health coverage schemes, here is a quick walk through best medical insurance plans for 2015 in USA.

    #1 – Express Scripts

    The list of best medical insurance plans begins with “Express Scripts”. The American based company is extremely famous for its drug utilization program, management services, drug data analysis services and exquisite benefit-design consultation help. It is an ideal plan for government agencies, self insured employers and individuals from the military.

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    #2 – United Healthcare

    United Healthcare is well known for its best medical insurance plans. It is an operating unit of the UnitedHealth Group. In fact, United Healthcare is obamacare 101the largest healthcare carrier in the nation. It has more than 7+ million people in its directory. Apart from fine-tuned health insurance schemes for individuals, United Healthcare supports Medicaid programs and state-sponsored initiatives too.

    #3 – Blue Cross Blue Shield

    The collection of best medical insurance plans will remain incomplete without “Blue Cross Blue Shield”. It is a federation that combines 37 healthcare companies (separate) and organizations in United States. Conversely, they offer health insurance coverage to more than 100+ million people. BCBSA serves as one of the prime administrators of Medicaid in many regions of United States. In terms of numbers (enrolled number of insurance policy holders), Blue Cross Blue Shield Association is the biggest in the nation (or even in the world).

    #4 – Aetna

    Another prominent player in offering best medical insurance plans would be Aetna. Some of its best medical insurance plans are out-of-the-box and truly useful. Aetna has being in the industry for a very long time! Being one of the largest healthcare insurance providers in the market, Aetna covers a wide range of health issues. From dental to group life disability to drug services to employee benefits to long term care insurance, Aetna has a plan for everyone in the family. Hence, it is one of the finest health insurance companies to work with! In fact, Aetna delights employers with special benefit programs and insurance facilities through Medicare.

    #5 – Molina Medicaid Solutions

    Molina Medicaid Solutions is also one of the best medical insurance plans & service providers. The organization adheres to wholly-owned subsidiary. Apart from best medical insurance plans, Molina is well-known for it’s IS design, operation expertise and technological advancement. It is fine-tuned to meet up with the high standards and expectations laid by the Medicaid Information Technology
     Architecture (MITA). Molina uses a special Health PAS system to help insurance policy holders on the go! Health PAS is a web based solution that uses a local MMIS unit to find patient data, plan benefit and authorize services. Additionally, the PAS System has a comprehensive online portal that provides essential details in just few clicks of a button.

    #6 – Cigna

    Cigna is ranked amongst the very few companies with best medical insurance plans that can support you when expenses that are not covered by your major healthcare policy arise. For instance, some medical insurance schemes don’t handle accidents or unexpected diseases. In such situations, Cigna’s Supplemental insurance will lend you a hand of help. The insurance service providers will support you with direct cash, when the need arises. This cash can be used for daily expenses and out-of-the-pocket medical bills. Supplemental insurance from Cigna is certainly one of the best medical insurance plans you can avail, since it pays during both recovery and treatment!

    #7 – Humana

    Next in the line of best medical insurance plans comes from “Humana”. The insurance policy is meant for families and individuals. The service provider focuses on a discreet motto. It revolves around health and gives people a choice to live well! Humana offers a wide range of best medical insurance plans. This covers vision plans, medical assistance, dental schemes and life insurance policies. Humana stresses on the need for personalized support and affordable insurance help. For instance, individuals who combine vision plans and dental schemes will save at least 35 USD. Humana has many Veteran Packages that are meant for families and US Veterans. As a result, you will have the wit to pull together a healthier you and stronger tomorrow!

    #8 – Kaiser Permanente

    Moving on, Kaiser Permanente has some of the best medical insurance plans in the market. The service provider makes life easier by offering better coverage and care. They are not deemed as typical healthcare providers with best medical insurance plans. Instead, they thrive hard to support everyone with health needs! To be more precise, Kaiser Permanente has paired with local communities like fitness establishments and farmers’ markets to promote health. Kaiser Permanente is a healthcare company that focuses on preventive wellness and overall care. They provide many wellness programs, routine appointments and preventive screenings that can remove sicknesses from your life!

    #9 – Celtic Healthcare

    Celtic Healthcare too has some of the best medical insurance plans you can find. They are passionate and innovative leaders in healthcare. They have many schemes to promote quality and enhanced healthcare for the lives for both families and corporate organizations. Celtic’s best medical insurance plans provide support during three different stages namely, medical treatment, recovery and aging. Their best medical insurance plans have the following features:

    • Round the clock nursing services.
    • Endless amount of care, physical support, spiritual assessment and emotional upliftment.
    • Celtic offers a special Palliative care program. It has exquisite inpatient hospice facilities too!

    #10 – Altius

    Last in the list of best medical insurance plans comes from Altius. They offer different types of products like prescription coverage, network coverage and special services. As suggested by its name, prescription coverage deals with dependable health care that handles medical prescriptions. It will help you by drugs at an affordable price! And, in terms of network coverage, Altius has more than 5000+ participating hospitals.

  • major medical insurance

    Major Medical Insurance Plans In One Easy Step

    Major Medical Insurance Plans In One Easy Step

    The trend of major medical insurance plans from top companies, is hitting hard though plenty of insurance firms are now emerging with the most innovative approach. Thus, no matter how in debt you are, there is always a solution to your problems. There is no doubt that you will come across affordable medical insurance plans.

    Major Medical Insurance Plans: Tips I – Never buy the first thing that insurance agents offer

    Always find out and ask them to send you the conditions, total costs, etc. Compare products listed from other major medical insurance plans and take your time. By contrast, remember to stay tuned to enjoy medical insurance deals that appear online and beware on fine prints and details. Reading policies  and insurance plans will help you avoid frustration in the future. Now, let’s move forward.

    Major Medical insurance plans: Tips II – Your body, your power

    Let’s proceed by analyzing everything you need, to feel at your best. Thanks to the most affordable medical insurance plansyou can now start taking care of your body; with an espresso maker.

    As far as major medical insurance plans are concerned, the increased cost of health services, service frequency, coverage and use of technological health insurance 101innovations in development or use after your signing up, will no longer be a problem. Since you have the power to make selection prior to selecting any major medical insurance plans.

    Major Medical Insurance Plans: Tips III – Fine print and more tips

    It is typically to see in the offers of major medical insurance plans, big letters on their medical insurance plans offerings and basic aspects of their health coverage. But in the fine print, is where you are expected to put down all the exclusions in medical insurance coverage or information such as vesting periods (must be taken into account especially in pregnancies) that may affect the type of coverage you want to employ.

    It is very unpleasant to learn what is not covered, by medical insurance plans once hospitalized or whenever you require the health care services. It is about having confidence in the health insurer, and what looks too good to be true or attractive should be well investigated. 

    For this reason, it is important to take time to read all kinds of details in the contract or plan. Many major medical insurance plans experts make emphasis on the fine print and recommend you ask questions. You need to clear all your doubts from the medical insurance plans before signing any insurance contract.

    Before formalizing the medical insurance plans, the Policy holder and or insured must make and sign the statement. This statement is necessary for the insurer to know in advance if there is a medical risk to evaluate and assess.

    Major Medical Insurance Plans: Tips IV – Change your strategy 

    Depending on your age, change your strategy. If you are a young adult, opt for one with low deductibles. If you are older than 50 years, go for the high deductible health plan. Thus, analyze carefully and avoid problems.

    You can go ahead and start by comparing extras, premiums, travel assistance, major medical insurance plans discounts and much more. Begin now and change your lifestyle!

  • obamacare 101

    Obamacare 101: All that you should know

    Obamacare is an affordable healthcare act that was passed by the congress and signed by the President during early 2010. The act comprises of a set of reformed health insurance schemes and policies. It was promoted to increase the number of individuals with legit health coverage. Obamacare works by overhauling current health insurance service providers and expanding Medicaid. Officially, Medicaid is meant for citizens with very low incomes. The policy offers minimum essential coverage. Conversely, it falls in line with medical facilities offered by employer-based-coverage, Medicare, Medicaid, and many more players in the marketplace. Nevertheless, Obamacare is much more than any ordinary health coverage policy. It covers almost everyone in the healthcare industry, from doctors to patients to restaurants to hospitals or even chocolate shops (this is because all food joints are expected to display calorie listings)!

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    Obamacare has received widespread commendation and few criticism from a few. Such includes;

    “Obamacare is working. I talk to a lot of hospital directors. It is working.

    By: Magic Johnson

    I support health care for people. I want people well taken care of. But I also want health care that we can afford as a country. I have people and friends closing down their businesses because of Obamacare.

    • Donald Trump

    Obamacare 101: How does it Work?

    Obamacare focuses on two important artifacts. Initially, it expands the horizons of the current health insurance industry. Secondly, it alters the wayobamacare doctors are paid. According to a recent estimation, nearly 25+ million citizens will benefit from the Affordable health care program. The enticing coverage program offers three major facilities:

    It expands Medicaid in a strategic manner.

    New insurance exchange policies are designed. Many online portals are set up to help Americans search and buy coverage.

    All individuals in the country are expected to have a health insurance policy. Else, they will be forced to pay a hefty penalty.

    Obamacare 101: Who Gets Benefited?

    Obamacare is for everyone! It expects individuals to buy a major medical insurance plans, which is also known as the minimum essential coverage. The major insurance should be paid throughout the year and a small fee during the months you go uncovered. This is a primary requirement, which is also known as the “Individual Mandate”. CHIP and Medicaid enrollment is around the year. Your income will state if you are eligible for the health insurance scheme or not. To know if you qualified for Medicaid or not you should navigate to HealthCare.gov.Affordable Care Act

    Obamacare 101: How Do You Enroll?

    According to the Act, individuals can buy a private medical insurance plans only through open enrollment. However, you will be exempted from this condition if a major change has happened in your life. This en covers over marriage, shifting locations or losing your current source of income. In such situations, you can opt for special enrollment.

    The Act decides Cost assistance based on your annual income. Individuals qualify for cost assistance if their income falls between 138% and 400% of FPL (Federal Poverty Level). Meanwhile, “Out of Pocket Assistance” is provided only to individuals with silver plans. People who have availed the Cost Assistance benefit must fill a special file called Form 8962 during taxes.

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    Obamacare 101: Picking the Right Plan

    While choosing a healthcare plan from Obamacare, you must keep the plan open till next enrollment (open). Always verify if the plan meets all your requirements. For instance, check if drugs, doctor visits, medical services and major surgeries are covered by the healthcare plan.

  • healthcare kickbacks

    5 Charged in Massive $580M Health Care Kickback Scheme

    Injured workers were treated like livestock by doctors and hospitals who paid or accepted kickbacks and bribes in exchange for referrals – Insurance Commissioner Dave Jones

    Health Care Fraud

    KQED News

    Five people, including a former hospital executive and two surgeons, are charged with a massive kickback scheme that resulted in billing $580 million to the government and insurance companies, authorities announced Tuesday.

    Two already pleaded guilty and the others have agreed to plead guilty in connection to the scheme, which involved paying tens of millions of dollars to dozens of doctors, chiropractors and others to refer patients to two Southern California hospitals for spinal surgeries, according to a statement from the U.S. attorney’s office.

    Over an eight-year period, Pacific Hospital of Long Beach and Tri-City Regional Medical Center in Hawaiian Gardens billed thousands of operations to California’s workers’ compensation system, the U.S. Department of Labor and workers’ compensation insurers.

    “Some of the patients lived hundreds of miles away from Pacific Hospital, and closer to other qualified medical facilities. The patients were not health insurance agencyinformed that medical professionals had been offered kickbacks to induce them to refer the surgeries to Pacific Hospital,” the U.S. attorney’s statement said.

    “Injured workers were treated like livestock by doctors and hospitals who paid or accepted kickbacks and bribes in exchange for referrals,” California Insurance Commissioner Dave Jones said in a statement.

    Pacific Hospital’s former owner, Michael D. Drobot, pleaded guilty last year to taking part in the fraud. He also has acknowledged bribing state Sen. Ron Calderon, who has pleaded not guilty to bribery, fraud and money laundering charges that carry a maximum sentence of 396 years in federal prison. Calderon is awaiting trial next year.

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    Calderon (D-Montebello) allegedly accepted about $100,000 in exchange for promoting legislation to expand Hollywood tax credits and to protect the financial interests of Pacific Hospital, which benefited from a provision of the workers’ compensation law.

    In the other cases, charges were filed against two people on Tuesday, and three previous cases were unsealed Monday.

    James L. Canedo, Pacific Hospital’s former chief financial officer, pleaded guilty in September to conspiracy to engage in fraud, money laundering and other crimes. Paul Richard Randall, a health care marketer previously affiliated with Pacific Hospital and with Tri-City Regional Medical Center, pleaded guilty in April 2012 to conspiracy for recruiting chiropractors and doctors to refer patients to Tri-City.

    Orthopedic surgeons Philip Sobol of Studio City and Mitchell Cohen of Irvine and Alan Ivar, a Las Vegas chiropractor who used to live in Southern California, have agreed to plead guilty to conspiracy or other charges.

    Under terms of their plea agreements, Sobol could be sentenced to up to 10 years in federal prison while Canedo, Ivar and Randall could get up to five years. Cohen faces up to three years for filing a false tax return.

    “Health care fraud and kickback schemes burden our health care system, drive up insurance costs for everyone, and corrupt both the doctor-patient relationship and the medical profession itself,” U.S. Attorney Eileen M. Decker said in a statement.

    “The members of this scheme treated injured workers and their spines as commodities, to be traded away to the highest bidder. This investigation should send a message to the entire industry: patients are not for sale.”

    The five defendants will have to pay restitution, which in Canedo’s case will be at least $20 million, authorities said.

  • health insurance

    Cervical Cancer Linked to Affordable Care Act

    Rise in Early Cervical Cancer Detection Is Linked to Affordable Care Act

    WASHINGTON — Cancer researchers say there has been a substantial increase in women under the age of 26 who have received a diagnosis of early-stage cervical cancer, a pattern that they say is most likely an effect of the Affordable Care Act.

    Starting in 2010, a provision of the health law allowed dependents to stay on their parents’ health insurance until age 26. The number of uninsured young adults fell substantially in the years that followed. The share of 19- to 25-year-olds without health insurance declined to 21 percent in the first quarter of 2014 from 34 percent in 2010 — french press coffee, a decrease of about four million people, federal data show.

    Researchers from the American Cancer Society wanted to examine whether the expansion of health insurance among young American women was healthcare kickbacksleading to more early-stage diagnoses. Early diagnosis improves the prospects for survival because treatment is more effective and the chance of remission is higher. It also bolsters women’s chances for preserving their fertility during treatment. And women with health insurance are far more likely to get a screening that can identify cancer early.

    Researchers used the National Cancer Data Base, a hospital-based registry of about 70 percent of all cancer cases in the United States. They compared diagnoses for women ages 21 to 25 who had cervical cancer with those for women ages 26 to 34, before and after the health law provision began in 2010. Early-stage diagnoses rose substantially among the younger group — the one covered by the law — and stayed flat among the older group.

    About 79 percent of the younger group had an early-stage diagnosis in 2011-12, up from about 71 percent in 2007-09. For the older group, the percentage dropped to 71 percent from 73 percent, a change that is not statistically meaningful.

    The study was not aimed at proving that the change was a direct result of the law. But the size of the database, and the fact that the share of young women with health insurance had increased so substantially, led researchers to conclude that the law was having an effect. (Pap tests are a part of most routine medical checkups for young women.)

    “It’s a very remarkable finding, actually,” said Dr. Ahmedin Jemal, one of the researchers. “You see the effect of the A.C.A. on the cancer outcomes.”

    The effect for younger women looked even stronger when analyzed by year. About 84 percent of the younger group had early-stage diagnoses in 2011, compared with 68 percent in 2009. Early-stage diagnoses dropped to 72 percent of the group in 2012, a drop that Dr. Jemal said was typical during increases in screenings, because many of the early-stage cases have already been detected.

    For several years, researchers have been trying to test whether the law is working to improve health, but isolating its effects has been tricky. A study this spring found that the number of new diabetes cases identified among poor Americans had surged in states that embraced the Affordable Care Act, but not in states that had not.

    Since November 2009, the American College of Obstetricians and Gynecologists has recommended that cervical cancer screening begin at age 21, the only cancer screening recommendation for that age group. Dr. Jemal said that change made it impossible to compare the total number of women who got screened before and after the health care law came into effect.

    The New York Times