[…] Private health insurance companies tend to take some of their cues from Medicare in terms of what they cover, so if Medicare eventually makes home visits more available, it stands to reason that people with private health insurance might also have access to house calls from doctors, even if they can’t afford to pay full price to a non-network provider.
An Economist’s View Of Midwifery
[…] In addition, we have a malpractice system that provides a strong incentive for doctors to perform c-sections at the first hint of a problem. With a system like that, it’s hard to fault OBs for taking the c-section route, and intervening in general. We can wring our hands all we want about how we need to reduce the rate of c-sections and medical interventions during childbirth, but as long as our malpractice system penalizes doctors for avoiding c-sections, we won’t make much progress.
Too Much Medical Care
[…] Much has been said about how we need to reign in health care costs in order for health insurance to be universally affordable. But we also need to figure out how to just use less medical care all around. We need to find ways to support health rather than react to illness (diet is a good place to start). And we need to question just how much we want our lives to revolve around medical intervention, pharmaceutical concoctions, and beeping machines. As Dr. Welch noted, some medical interventions are absolutely essential and worthwhile. But that is not the case for all medical care, and a “less is more” approach might create a healthier population and lower health care costs.
Public Opinion Of Health Care Reform Improving
[…] It will be interesting to watch public opinion of health care reform over the next few years. I imagine a lot of it will depend on what happens to premiums. If health insurance carriers can comply with the requirements of the new law without substantial premiums increases, we’ll probably see even more favorable public opinion of the law, especially once government subsidies kick in to help people pay for health insurance.
Information About Medical Cost Sharing Programs
[…] But the reason I have health insurance is to protect our family in the event of a catastrophic illness or injury. If that were to happen, I want to know that I have a real health insurance company paying my bills, and legal recourse in the event of a dispute. I like knowing that my health insurance policy is regulated by Colorado’s Division of Insurance, and I like the fact that it doesn’t say “this is not health insurance” anywhere on my policy information. […]
New High Risk Pool Unveiled Today In Colorado
[…] It’s nice to see Colorado leading the way in terms of using the federal high risk pool money to set up a new program for people with pre-existing conditions. Whether the money will hold out until 2014 remains to be seen, but at least we are now well on our way to having one more option for people in Colorado who can’t qualify for private health insurance.
Some Confusion Around New Colorado High Risk Pool
The new Colorado health insurance program for people with pre-existing conditions is supposed to become available next week, but there seems to still be a lot of confusion about how it’s going to work. Since Colorado already has a policy available for people with pre-existing conditions (Cover Colorado), we are one of the states that is opting to use the federal money to set up another risk pool for applicants who cannot qualify for medically underwritten individual policies […]
Colorado Ranks Highly In Women’s Health
Colorado is the only state in a recent report by HealthGrades to rank in the top ten for all three aspects of women’s care studied (see appendix D on page 15 of the report). Although only three hospitals in Colorado received the HealthGrades 2009/2010 Women’s Health Excellence Award: North Colorado Medical Center in Greeley, Poudre Valley Hospital in Fort Collins, and Centura Health-Penrose Saint Francis Health Services in Colorado Springs. […]
Instant Billing Long Overdue
I have often thought that an instant billing/payment system for medical offices (sort of a Visa/Mastercard type of setup between providers and health insurance carriers) was long-overdue. This New York Times article details exactly how such a system could work, but also addresses some of the problems it would face. The main issue is the complicated nature of health insurance billing, with thousands of medical codes that the doctor’s office has to sort through in order to correctly submit a bill. […]
Colorado Delaying Medicaid Payments
[…] And that means that Medicaid claims submitted over the last couple weeks won’t be paid until July 9th – providers will miss out on payments that were scheduled for last week and later this week. The 2011 fiscal year begins in July, and the state is planning to push Medicaid reimbursements out in order to contain the budget for this year. The money will eventually be paid to the providers, but for book-keeping purposes it will be in a different fiscal year, and it also amounts to an interest-free short term loan from the providers to the state. […]
Colorado Governor Ritter At Odds With Attorney General Suthers
Colorado is an interesting place to be this summer, as the health care reform debate continues to play out – in the courts now, rather than in town halls and legislative sessions. Our Attorney General, Republican John Suthers, is part of the group of AGs from 20 states who are challenging the legality of a federal mandate requiring people to have health insurance. And our Governor, Bill Ritter Jr., is one of four Democratic governors of those states who disagree with the position taken by the Attorneys General. […]
Early Retiree Reinsurance Program Application Available From HHS
[…] There are an estimated 62,700 people in Colorado who retired before they were eligible for Medicare and are receiving retiree health care benefits from their former employers. Their employers can now apply for financial assistance to help cover the cost of health care for their early retirees, and the financial assistance can be passed along to the retirees in the form of lower health care costs.
Barbara Bush Believes Health Care Is A Right
[…] People who can least afford to pay large sums of money out of pocket for health care are the ones most likely to have to do so. Medicaid is there for the lowest income earners, but some states are very restrictive in terms of income levels required to qualify for Medicaid. Colorado has started to expand access to Medicaid and Child Health Plan Plus (CHP+) but this is not the case in all states. And people on the lower end of the income spectrum are far more likely to be uninsured than those on the higher end. […]
Health Insurance Carriers Continuing To Improve
A year ago I wrote an article about how health insurance companies were generally doing a better job in 2008 of paying claims faster and denying fewer claims than they did in 2007. The annual Athena Health study results are now out for 2009, and overall there was another significant increase in the speed with which health insurance companies paid claims (7 days faster than in 2008) and a decline among most payers in terms of the percentage of claims denied. […]
Radiation Exposure From Medical Testing
I just read a rather alarming article about the dramatic increase in radiation exposure from medical tests over the last couple decades. We get more medical radiation than people in any other country – in fact, half of the world’s advanced imaging procedures that use radiation are done in the US. And the average American’s radiation exposure from medical testing has grown sixfold in the last twenty years. […]
Fair Pay For Our Doctors
[…] The PCP shortage is likely to become even more of a problem once the health care reform provisions kick in and millions of currently uninsured Americans become insured and presumably start to seek out more health care. Unless we can make primary care more attractive to people in medical school, all of those newly insured people are going to end up seeing expensive specialists instead of PCPs, and the burden of paying for health care will only become harder to bear.
Paying Doctors To Not See Patients
[…] The problem with concierge-style medical practices now is the relatively large retainer fee that patients have to pay in order to join. It’s really only available to those at the top end of the income scale, and generally not covered by health insurance. But maybe the idea should get another look. Maybe we should be looking at the idea of health insurance companies reimbursing doctors for keeping patients healthy, rather than just caring for us after we become sick.
Continuous Coverage Does Not Eliminate Underwriting
[…] People with pre-existing medical conditions can get guaranteed issue coverage through Cover Colorado, but are definitely not “guaranteed access to the individual market”. When a person with pre-existing conditions applies for an individual policy in Colorado (and in most other states), the insurance company can deny the application, place exclusions on the pre-existing conditions, or offer the policy at a higher initial rate based on medical history. It doesn’t matter whether the applicant has had continuous coverage or not. […]
Spiraling Prescription Drug Use In Kids
[…] The thought of 30 percent of adolescents being on medication for chronic conditions should make us all sit up and take notice. Hopefully it will fuel the cry for better school lunches and increased attention to prevention of obesity and mental health problems in kids. As a society, we simply cannot afford to continue to increase our utilization of prescription drugs.
Colorado Governor Signs Bill Requiring Maternity Coverage On All Policies
Governor Bill Ritter signed Colorado House Bill 1021 into law last week, instituting what I consider to be one of the most significant changes to health insurance law in recent years. The law will require all health insurance policies in Colorado to provide coverage for both maternity care and contraception, starting next year. Without this law, people who purchase individual health insurance have very little in the way of options for maternity coverage. […]
Healthcare Continuing To Take A Larger Chunk Of Family Budgets
[…] Premiums for health insurance in the individual market are lower than those in the group market, but there’s no employer paying a portion of the premium. And the premiums alone amount to 10% of household income. When you add in the deductibles and other out of pocket expenses, it’s not surprising at all that nearly half of everyone buying insurance in the individual market was considered high-burden in 2006 (spending more than 10% of household income on health care). […]
Disability Insurance Awareness Month
[…] May is disability insurance awareness month, and it’s a good reminder to consider how well you’re protecting your greatest asset – your earning potential. Working adults are more likely to encounter a disability that prevents them from working for at least 90 days than they are to die, and yet people tend to be more proactive about securing life insurance than disability insurance. […]
Most Emergency Room Patients Have Health Insurance
[…] Finding a doctor who takes Medicaid is significantly more difficult than finding a doctor who takes private health insurance, and I wonder if that might be a contributing factor in the crowding of our emergency rooms. If a person with Medicaid is sick and unable to find a nearby doctor who accepts Medicaid, he might end up not seeing a doctor at all and his condition might worsen to the point of needing emergency room care. Maybe efforts to make Medicaid more attractive to doctors might help to alleviate some of the over-crowding in emergency rooms.
Another Way Exercise Could Lower Health Care Costs
[…] Maybe if doctors and patients were all aware of the fact that exercise is more beneficial in the long term than anti-depressants, we could start to cut down on the number of anti-depressant prescriptions being written. Lower utilization of pharmaceutical products would be helpful in terms of limiting the overall cost of medical claims and thus the price of health insurance as time goes on. […]
Demand For HSAs Continuing To Grow
[…] A new report from AHIP notes that the number of Americans covered by HDHP/HSA policies reached 10 million in 2010, up from 8 million last year. In Colorado, 9.2% of the under-65, privately insured population has HSA qualified coverage, which is the third-highest percentage in the nation. A recent study by the Mountain States Employers Council reports that 27% of Colorado employers surveyed are offering consumer-driven health plans this year, up from 21% last year. […]