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California Individual And Group Health Insurance Plans

Wednesday, October 28, 2009

Blue Shield Pays Californian Doctors $29.6M in 2009 as Performance Bonuses

Blue Shield of California has rewarded $29.6 million in so-called pay for performance bonuses to California medical groups and IPAs this year, based on key clinical and patient experience measurements.

The largest section of the P4P payouts -- 42 percent or $12.5 million -- is linked to the Integrated Health care Associations statewide P4P program, which provides a framework for health insurers, including Blue Shield, to reward medical groups for quality on metrics such as clinical care, diabetes care, patient experience and use of health-care information technology.

This year, an additional $9.6 million is being rewarded under Blue Shields own Performance Improvement Rewards Program, which rewards medical groups and IPAs for managing ER visits, outpatient surgeries, inpatient bed days, and generic drug use. The remaining $7.5 million of 2009s $29.6 million total went to related shared savings and incentive programs with contracting physician groups and IPAs, or individual practice associations, which link small medical practices for contracting and related business purposes.

Blue Shield also whispered it will reach out to medical groups with less than stellar clinical performance to help them boost their scores, by offering tips and providing information about additional resources.

Last month, the IHA noted that along with determining awards through its program, P4P data is used by seven California health insurers -- Blue Shield, Aetna, Anthem Blue Cross, CIGNA Health Care of California, Health Net of California, and United Health care to calculate incentive payments to participating medical groups and IPAs.

IHA says Californians voluntary P4P program is the nations largest non-governmental physician incentive program, and includes eight participating health insurers (including Kaiser Permanente for reporting purposes only) and more than 225 medical organizations representing 35,000 physicians.

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Sunday, October 25, 2009

The Majority US Physicians Favor a Public Health Option

A poll showed that most US doctors commend of a "public option" to supplement private health care insurance in the United States, as proposed by President Barack Obama.

A whole of 62.9 percent of physicians who participated in the survey by the prestigious New England Journal of Medicine (NEJM) said they favored a public option, or government insurance plan, against 27.3 percent backing a private system alone. Another 9.6 percent favored a completely government-owned health care coverage system.

"It's obvious that the majority of US physicians support both public and private options to expand coverage," NEJM said, noting that between 52 and 69 percent of Americans favor a supplemental public option. The journal described physicians as "critical stakeholders" in health care reform.

Obama has vowed to pass legislation by the end of the year that would extend coverage to America's 47 million uninsured by making insurance obligatory and affordable for all. But he has faced strong criticism, especially from Republicans, who have jumped on the 900-billion-dollar price tag and stoked fears that a mooted public option would lead to a federal takeover of health care, anathema to many Americans who abhor the idea of big government.

The NEJM poll found that 58.3 percent of physicians favor escalating Medicare, the public health insurance plan for seniors over 65 years old, to people aged 55 and over. This option is among a set of proposals being considered by the Senate Finance Committee, which has played a key role in legislating the health reform plan.

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Thursday, October 22, 2009

More Companies Are contributing Consumer-Directed Health Insurance Plans

The number of employers offering consumer-directed health insurance plans continues to grow. However, those companies that are most successful at controlling health care costs are combining these plans with other health-related strategy. Those are among the major findings in an annual survey conducted by Watson Wyatt Worldwide and the National Business Group on Health.

In the review of 573 large companies, the portion of companies offering a consumer-directed health plan (CDHP) increased from 33 percent to 38 percent in the last year. As of five years ago, only a handful of companies offered such plans, which generally include a high-deductible plan coupled with a personal savings account such as a health savings or health reimbursement account (HSA or HRA). Forty percent of employers now offer or plan to offer an HSA, and 26 percent offer or plan to offer an HRA.

"The experience of companies effectively implementing CDHPs offers hope for improving our health care system," "Focusing on prevention, early intervention, disease management and quality outcomes not only can help employers control health care costs, it can make employees healthier and more productive. It is truly a win-win situation."

However, employee enrollment in CDHPs remains stumpy at 8 percent, an increase of only one percentage point from 2006. This comes despite the fact that CDHPs usually involve lower health insurance premiums for employees. Nonetheless, broader participation in CDHPs is linked to lower health care cost increases.

In addition, employers that put into practice CDHPs as part of a broader health improvement strategy have made greater inroads into controlling health cost increases. One-fourth of respondents experienced median health care cost increases of 2.5 percent in the last two years, compared with an 11 percent average for the poorest performers and an overall average of 8 percent.

Companies that are best at calculating costs are more focused on adopting approaches that involve quality, health improvement and productivity, data and evidence, and the appropriate use of health care services. For instance, best performers are 17 percent more likely to offer compelling financial incentives to encourage employee education and participation and 11 percent more likely to effectively deliver health care information.

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Monday, October 19, 2009

Affordable Short Term Health Insurance plans through the Government

There are many places that a person can twirl to find affordable short term health insurance. Some people go to insurance brokers and others prefer to just look online. The world of health insurance though is changing and there may soon be the option of looking to the government for health insurance. Although there have been many rumors around how things will change, few things have been decided other than that change needs to happen.

Insurance agents are a great resource for finding affordable short term health insurance. These people know about a lot of affordable plans and will help you fill out the paper work and set up the necessary payment plans. Also, if you already have a plan through a broker, like for your car or home, then often times they can work out some kind of discount.

There are some dangers though in going to an insurance agent that you do not know very well. These people are handling your personal information. Also, they are selling something to you and often get a commission for the amount of plans that they sell. There are however many that are very trustworthy and you can easily find affordable short term health insurance through them.

Another first-rate consigns to look for affordable short term health insurance is online. There are so many choices online that it can sometimes be hard to find what you are looking for. All of the big health insurance companies though have something online to help people find information. Some companies like Blue Cross and Blue Shield even have Face book and Twitter accounts.

There are difficulties to going online as well though. Some health insurance companies will even set it up so that you have to call a number and speak to an actually person just to try and keep things more secure. This helps protect companies but also consumers looking for Affordable Short Term Health Insurance online. People are warned all of the time to be careful about leaving lots of personal information on websites.

The real queries out there right now is about if people can get affordable short term health insurance through the government soon. If so this could mean a big change from how things were previously done. Will the plan be able to be accessed online? Will a person be able to go to a broker? Will a person have to meet a government agent to get paperwork processed? No one knows how things will turn out. The only thing that is certain is that there will be government offered affordable short term health insurance options out there for people to choose from.

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Sunday, October 11, 2009

Barack Obama, Democrats court women on health renovate

The White House and top Democrats, escalating their push to build support for their party's health overhaul proposals, are increasingly targeting women, a politically crucial group with strong opinions on health care that polls suggest has yet to be sold on the changes.

A current Associated Press-GfK poll found that women, like the public overall, are generally split on the health care legislation. Although younger women those under 55 who many opinion experts consider crucial in any health care debate slightly favor the proposals, nearly one-third of them are on the fence, saying they are neither supportive nor opposed.

The congressional bills would entail all Americans to get health insurance, either through an employer, a government program or on their own. Tax credits would be offered for many of those who buy their own coverage but failure to comply could result in a fine. Insurance companies could no longer deny coverage because of a pre-existing condition, and out-of-pocket costs would be capped.

In recent days, Democrats have argued there would be harmful consequences for women under GOP health proposals and have highlighted positions they characterize as sexist. "Women are the primary audience for anyone who's talking about this issue because we do make the health care decisions for the family," said Amy Menefee of Patients First, a conservative group opposed to the health overhaul. "They want to know how this is going to affect their jobs, their husbands' jobs, their Medicare, their children."

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Monday, October 5, 2009

Word & Brown Health Insurance Services

The Word & Brown Health Insurance Companies, headquartered in Orange, California provides services through more than 50,000 brokers to nearly 60,000 employers covering close to 6 million people nationwide. During its more than 20-year-span, The Word & Brown Companies has become the nations recognized leader in developing and offering innovative technology, health benefit plan models, and sophisticated employee benefits services to companies of all sizes.

The Word & Brown Companies includes:

The Word & Brown General Agency, the organizer in developing and distributing health benefit plan models and solutions to licensed brokers in California and Nevada; CHOICE Administrators, the nations leader in developing and administrating employee-choice health benefit programs; CONEXIS, providing benefits solutions to clients nationwide, with expertise in COBRA and HIPAA Administrative Services, Direct Bill Services, and Flexible Benefits Administration, including Flexible Spending Accounts (FSA) and Section 132 Commuter Benefits; and Quotit Corporation, the leading Internet application service provider for the health insurance and employee benefits industry.

Service of Unequalled Excellence

We've dedicated ourselves for more than 20 years to delivering Service of Unequalled Excellence to our clients. We pride ourselves in providing ground-breaking tools and technology, superior sales and service solutions, and excellent customer service.

  • Our employees exhibit an uncompromising focus on service and professionalism in all their actions.
  • We recognize that our employees are our greatest asset and encourage their growth and satisfaction throughout the company.
  • We believe that commitment to our customers, staff, and professional values is the key to professional success and satisfaction.

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