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Tuesday, February 23, 2010

Americans Vote for Health Insurance Overhaul, Says Poll

According to a monthly poll from the unbiased Robert Wood Johnson Foundation, America’s fear on the new health care insurance policies have eased in January as the President tries to revive sweeping Democratic legislation.

The poll also revealed that even though many people have doubts regarding the policy revival, three-fourths of Americans still think it's important that Obama include health-care overhaul in addressing the nation's economic crisis.

The poll found that the proportion of Americans who said they feared their access to doctors and hospitals would get worse under the Democratic plans dropped to 29 percent, from 33 percent who had expressed such concerns in December. In the January fewer than 12 percent said that they thought their access would improve.

Meanwhile, President Obama urged Congress to strip health insurers of their decades-old freedom from federal antitrust laws. He stood firm by hardening his stand against the industry as he tries to revive his held up health-care revamp.

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Monday, February 22, 2010

Health Insurance Premiums for Family and Individual

About 100 people attended a public hearing at the Cumberland County Civic Center in Portland on Monday night in response to a request made by Anthem Blue Cross Blue Shield and MEGA Life and Health Insurance Co. to increase premiums by more than 20 percent for individual policies.

"Health care costs, medical inflation and the amount of health care we use really (are) driving the premiums. Profit really isn't a piece of that. It really is the health care cost that's driving the health care premiums," Anthem spokesman Chris Dugan said.

At nearly 73 years old, Dr. Stephen Sokol still practices medicine. He told state insurance regulators that he has major concerns about Anthem Blue Cross Blue Shield's proposed 23 percent rate increase for Maine policyholders.

"I want to clarify something here today: I am a health-care provider. Anthem is not a health-care provider," Sokol said. "We are seeing patients who are discharged much too early from the hospital because their insurance will not cover them any further."

"It's going to hurt the people in Maine who are most vulnerable. It's going to hurt the lobstermen, it's going to hurt the small business people, it's going to hurt the individuals hanging on by their fingernails," said Lee Robertson, an Anthem policyholder.

The average cost of a family policy offered by employers nationally increased 22.9 percent in the past five years, according to a survey by the Kaiser Family Foundation.

Karen Ignagni, president of the industry group America's Health Insurance Plans, said the portion of premiums that goes to administrative costs and profits has gone down. "Health insurance premiums are increasing in the individual

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Thursday, February 11, 2010

California health discount plans face a blow

The California's Department of Managed Health had announced that it would keep an iron hand to manage unlicensed health discount plans which have been marketing themselves under the banner of health insurances. The department would also impose regulations to make sure that the discount plan is not insurance by verifying reports.

The discount plan companies often manipulate the providers to lower the price for the cash consumers who have enrolled to the plan. The consumers have been facing problems since most of the providers including doctors do not honor health discount cards. Most often the discount plans get confused with insurances. In a real insurance plan, payment would be given for medical services while in discount plans the cash price for those without insurance would be lowered.

Many of the unemployed ones in Santa Clara County are depending on the health discount plans for getting access to medical care. But they are disappointed as there are no providers who would support the plans in their area.

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Tuesday, February 9, 2010

Health Discount Plans of California

California regulators are cracking down on health discount plans that are marketing themselves as health insurance or dental insurance.

The theory is that the discount plan companies negotiate with providers to lower their price for cash customers in these plans. The problem is that consumers often do not realize that most providers do not honor health discount cards, including doctors they are currently seeing.

Health discount plans should not to be confused with health insurance plans that happen to pay poorly. For example, if a plan pays $100 for a surgery that costs $30,000 after the deductible, it's still a health insurance plan even though it does nothing to prevent a financial catastrophe from medical expenses. Real health insurance makes payments for medical services while discount plans helps lower the cash price for those without insurance.

In Santa Clara County where unemployment is 11.2% as of December 2009, many residents are having a hard time regaining access to medical care that was once provided by Silicon Valley employers. Many of the unemployed may resort to health discount plans as a way to gain affordable access to medical care. Unfortunately, many residents have found that the number of providers that take the discount card in the area may be zero.

Not all discount plans. Santa Clara County offers a free prescription to any resident within the county. They are honored at many pharmacies around Santa Clara Valley and do result in an average of 22% discount for prescription drugs.

According to the Los Angeles Times, California's Department of Managed Health announced today that it is cracking down on unlicensed health discount plans marketing themselves as health insurance, and are considering additional regulations that would require plans to verify discounts, file reports about member grievances, and clearly state that a health discount plan is not health insurance.

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