Archive for the ‘Uncategorized’ Category

Highmark’s New iPhone App

Sunday, August 29th, 2010

phoneHighmark health insurance and A.D.A.M. have come out with a new iPhone application called Health@Hand.  A.D.A.M. provides health information and innovative solutions for benefits technology in the health industry.  They partnered with Highmark to launch this application which will be available to all members of Highmark through the online iTunes store.  Health plan members can now get a wealth of information right from their iPhones including articles, information on first aid, discounts on services, and local provider and facility information.

The Pennsylvania-based health insurance company’s Health@Hand was based off of their member’s specific plan and provider information.  It is possible that other Pennsylvania-based health insurers like UPMC health insurance could come out with similar plans through A.D.A.M. in the future.  Current Highmark plan members can use the GPS in their phone to locate specific doctors, specialties and facilities near them.  They can even get a map of the location and connect directly to the office via their phone.  Another unique option members have is the availability of information by simply touching a specific body part.  Members can even change the gender or age for specific information.  The product can also be downloaded by non-Highmark members through A.D.A.M. and iTunes.

Will Mercy Health Plans Extend Coverage?

Thursday, May 27th, 2010

All health insurance companies are required to extend coverage to many young adults on their parents’ policies starting September 23rd of this year.  According to “Three insurers won’t drop adult children on parents’ policies” by Duke Helfand of The LA Times, some insurance companies are enacting the policy starting immediately.  WellPoint, Humana, and UnitedHealthCare have made the decision to start following the new federal regulations early so that college students nearing graduation and some other young adults will not lose their health coverage.  It remains to be seen whether other insurers like Mercy Health Plans will follow suit or if they’ll wait until the regulation deadline in September.

Young adults will now be able to remain on their parents health plans until they are age 26, along with some other additions to young adult coverage.  Minneapolis based UnitedHealthCare and Louisville, Kentucky based Humana have already begun their continuity of coverage for young adults.  UnitedHealthCare says that they will be positively affecting 150,000 people by implementing President Obama’s regulation early.  Indianapolis based Wellpoint will begin extending their coverage on June 1.  They’ll automatically continue the coverage of the young adults included on their parents’ plans whether they have employer-sponsored coverage or individual plans.  Since many young adults can’t afford their own health insurance, the government is pleased that so many insurers are offering this extension before the deadline.

Travel Health Insurance Essential: Golden Rule Insurance

Monday, May 10th, 2010

airplaneThere probably aren’t that many travelers who worry about medical evacuation insurance.  You should, according to “Experts Say Travel Health Insurance Can Be Crucial,” by Lindsay Tanner of the Associated Press.  Most health insurance policies do not include transportation home for critically ill patients requiring medical equipment and staff.  And while most people think that they will never need those services, accidents happen.  Car crashes and heart attacks are the main injuries sustained on vacation and those can happen to just about anyone.  If you have Golden Rule Insurance or medical coverage from another insurer, you should inquire about their coverage in advance.  If it is not under your plan, you can usually purchase supplemental insurance just for traveling.

It is also possible to get a stand-alone policy from an insurer like Assurant Health that will only cover you when you are traveling.  With the busy summer travel season fast approaching, no one wants to come home with hundreds of thousands of dollars in medical bills or worse yet, not come home at all.  The cost for most supplemental plans is around 4 to 8 percent of the cost of your trip.  A vacation costing $2000 would make for about $120 in supplemental travel insurance.  Those who have needed the services say that it is well worth the cost.  The State Department has information on where you can obtain travel insurance and what type you may want to get, including medical evacuation insurance.

Anthem Blue Cross Blue Shield Rates Increase: Yes or No?

Tuesday, April 13th, 2010

In the Medical News Today article “Health Insurance Customers in California, Mass. Await Decisions About Premium Increases,” they discuss insurance customers’ hopes that their premiums will not be going up.  Anthem Blue Cross Blue Shield, the largest for-profit health insurer in California, has plans to increase health insurance premiums by as much as 39% in California and Massachusetts.  After announcing the plans, there was an uproar from the the public citizens who purchase individual health insurance from Anthem Blue Cross.  Because of the public outrage, California insurance commissioner Steve Poizner appointed outside actuary Axene Health Partners to evaluate the company’s spending practices.

While Anthem is probably none too thrilled with this process, they have no choice but to wait.  May 1 is the date that Anthem agreed to wait for after a two month stall of their rate hikes.  Many of the company’s 800,000 individual policyholders will see their premiums increase if Axene Health Partners’ report shows no misconduct on the books of Anthem Blue Cross.  The report should be available and a determination made in approximately two weeks.  Until that time, individual insurance policyholders with Anthem Blue Cross Blue Shield wait on baited breath to see if their health care costs are going to skyrocket.

Cobra Remains: Compare Health Insurance Bill

Friday, April 9th, 2010

cobraAmericans who were worried about the recent health care reform bill eliminating Cobra coverage can rest assured that will not happen, according to The New York Times article “Health Law Preserves Cobra Plan” by Walecia Konrad.  The government-mandated Cobra program is meant to bridge insurance you have lost with new insurance coverage.  Compare health insurance under Cobra and it basically continues insurance coverage from a job you were either laid off from or left to find another job.  Cobra lasts for 18 months and you have to pay the premiums your old employer was paying for you as well as what you were previously paying in most cases.  The health care reform bill that just passed basically makes no changes to Cobra, but for people that couldn’t afford Cobra or had yet to find another job after the 18 month coverage expired, some other aspects of the new law should help them.

A government subsidy covering 65% of laid-off workers’ Cobra coverage  expired at the end of March which puts many unemployed families in a predicament where they will go from paying around $385/month to $1,100/month for their coverage.  For families like that who may no longer be able to afford Cobra coverage and those whose Cobra has expired, they have to look into the independent insurance market at companies like Assurant Health for coverage.  Anyone who was previously insured under Cobra cannot be denied coverage by individual insurance companies based on a preexisting condition, so make sure to shop around well before your 18 months expires to find health coverage.  Some other options to look into if you are uninsured are getting onto your parents insurance up to age 26 and obtaining coverage under the new state run high-risk insurance pools.  But even without a subsidy, Cobra may be the best way to continue your previous insurance after a job loss.

Compare Health Insurance for Women After Health Care Reform

Saturday, April 3rd, 2010

According to “Health Law Cuts the Cost of Being a Woman” by Denise Grady of the New York Times, health insurance companies can no longer treat women as a liability.  House Speaker Nancy Pelosi and other women in government are advocating for women’s health by ensuring that being a woman is not considered a pre-existing condition.  The new health care bill forbids all health insurance companies, like UPMC, from sex discrimination.  In the past, companies took advantage of women with unfair health care and health insurance policies towards them.

Companies who sell individual insurance policies, usually bought by people who have lost jobs or other group coverage plans, had been charging women more than men for the same health insurance coverage.  Many plans did not even include maternity care.  Insurance companies argued that women use doctors more than men.  The National Women’s Law Center found that men who smoked were actually being charged less than women who did not.  Even group plans when you compare health insurance were affected.  Although sex discrimination laws didn’t allow the excess costs to be passed down to female employees, smaller business and those heavy in female employees have been forced to make sacrifices including discontinuing coverage in some cases.

Gender rating is now outlawed and maternity coverage has to be included as an “essential health benefit” like heart attacks and cancer.  Women should no longer have to be concerned about getting fair treatment in the health care industry from companies like Golden Rule Insurance.  There are people who worry that insurance companies will be able to find ways around the new laws to protect themselves from financial costs, but the Law Center’s co-president doesn’t currently see any loopholes and is confident that the health care bill will better protect women.

Compare Health Insurance with the Health Care Reform Act of 2010

Tuesday, March 23rd, 2010

ERThe Washington Post article “Who is left uninsured by the health-care reform bill?” by Ezra Klein contains intriguing information.  With two different pie charts showing the number of uninsured Americans both with and without the health-care reform bill, we are better able to compare health insurance coverage both ways.  The first chart shows the breakdown of insurance coverage in 2019 without the recently passed health-care reform bill.  Uninsured Americans would make up the second largest group of 54 million people.  The largest segment would belong to those insured through the employer market by companies like Anthem Blue Cross Blue Shield.  Thirty-five million people would have insurance through Medicaid or the Children’s Health Insurance Program (CHIP) while the remaining 30 million Americans would be covered under other non-group plans.  Compare the number of Americans uninsured without this health-care reform to the number forcasted with the bill’s passing.

Uninsured Americans should move from the second largest category to the smallest group with the passage of this health-care reform act.  Employer market plans will remain the largest group with 156 million people, followed by 44 million on Medicaid or CHIP, 25 million in the other/non-group market with smaller companies like Golden Rule Health Insurance, 24 million in the created exchanges, and 22 million in the smallest category of uninsured.  Many skeptics ask why so many Americans would still be uninsured with the passage of the health-care reform bill.  The majority of those uninsured would actually be illegal immigrants who are not eligible for insurance coverage through the new program.  The other people that make up the uninsured category would be those who choose not to carry coverage in lieu of paying the $750 penalty, those whose income is low enough that they are not required to purchase insurance, and people who qualify for public programs like Medicaid but don’t actually sign up.  The bottom line is that only 40 million Americans will be in a different health insurance situation after the health-care reform bill and 75% of those will go from being uninsured to being insured.  Most of the others will have moved from individual or small group coverage into the insurance exchanges.

Health Insurance with Maternity Coverage from Fallon Health Plans

Thursday, March 11th, 2010

pregnantMaternity coverage is often an optional rider with health insurance, so if you are thinking of becoming pregnant or are a woman in her childbearing years, it is important to look for health insurance with maternity coverage.  Most employer sponsored plans have maternity coverage included, but you have to be specific with individual plans to choose the right coverage.  Having a baby in a hospital averages $6,000-$10,000 and can be even higher depending on whether you have a c-section or the baby has to have extra care.  You want your maternity coverage to include visits to your doctor during pregnancy, lab work, hospital stays, sonograms and ultrasounds, prescriptions for pre-natal vitamins and any other medications you need, and care for your newborn.

Some individual health plans have a waiting period before you start receiving maternity coverage.  If you have health insurance from a company like Fallon Health Plans, contact them to see what your coverage includes.  For women who become pregnant before they have obtained health insurance, it is best to contact state or federal government agencies to see what help they can offer you.  Unfortunately there are many risks associated with pregnancy for both the mother and child.  Health insurance with maternity coverage is the best way to take the burden of the financial side of things away.  Fallon Health Plans of Massachusetts is one of the best insurers in the US.  You can look online to determine coverage and available doctors or call and speak with one of their customer service representatives.  Most coverage plans will include everything you need for your pregnancy.

Too Many Angiograms for Mercy Health Plans & Golden Rule Insurance Patients?

Wednesday, March 10th, 2010

heartIn Malcolm Ritter’s Associated Press article “Study suggests too many invasive heart tests given,”  the frequency of angiograms is taken into question.  It is just one of the recent studies suggesting that Americans are getting too many unnecessary health tests.  It is a battle between doctors and insurance companies like Golden Rule Insurance and Mercy Health Plans.  Doctors are concerned about missing something and even about getting sued in some cases.  For this reason, they are much quicker to order expensive tests for their patients, at a high cost to insurance companies and government programs like Medicare.

An angiogram is performed on patients who may be having a heart attack or who have shown symptoms suggesting serious blockage around the heart.  They are also being frequently performed on patients whose symptoms are not as clear cut and those who have high risk traits for heart problems.  To perform the test, a small tube is put in either the arm or the groin and threaded through the body to the heart.  It checks for blocked arteries that could cause a heart attack by injecting dye through the tube and performing an x-ray.  Almost two-thirds of the patients that didn’t have clear cut symptoms don’t have serious blockage found.  Researchers believe that doctors need to do a better job  determining the patients that really need these expensive tests that have risks associated with them.  In order for insurance companies to function well, unnecessary and costly tests should be avoided when possible.  The question now is how doctors can best treat their patients while avoiding unnecessary testing.

Aultcare Offers Swine Flu Q & A

Sunday, March 7th, 2010

swine fluAultcare health insurance of Ohio offers a swine flu question and answer document on their website.  It highlights the issues that many Americans are concerned with regarding this flu.  The best way to avoid spreading the swine flu through sneezing and coughing is to stay away from others as much as possible.  Always cover your mouth and nose with a tissue when possible and throw it in the garbage.  If you don’t have a tissue, cover your mouth and immediately wash your hands to avoid spreading the swine flu.  Wash your hands in hot water for at least 15 seconds or use an alcohol based sanitizer to kill the germs.  Many people wonder how serious swine flu actually is.   Swine flu is just like other seasonal flus, the severity varies from person to person and could actually result in death for some.

Swine flu is caused by a type A influenza virus that previously only seemed to infect pigs.  This particular swine influenza A virus, also known as H1N1, is contagious and spreading from human to human.  Typical flu symptoms include fever, cough, sore throat, headache, body aches, fatigue, chills, vomiting and diarrhea.  Swine flu spreads through coughing and sneezing on other people.  Germs can also be transferred by mouth and even one person touching another and that person touching their own mouth.  The best prevention against the flu is getting enough rest, washing hands, drinking a lot of fluids, keeping stress down, and staying away from sick people.  Compare health insurance to see what treatments your doctor offers.  There are prescription antiviral medications that can make for a milder illness, reduce the illness length, and help avoid serious complications.