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Health Insurance Reform

Fewer Uninsureds But Problems Remain

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People without health insurance face a significant risk, both to their health and to their financial wellbeing. As the DNC has unfolded this week here in Colorado, we’ve heard health care mentioned frequently. I’m optimistic that solutions will remain as much of a priority after the election as talking about it has been over the last several months.

What A Difference Fifteen Years Makes

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Harry and Louise are back. Where they once talked about the evils of rationed health care in a government run system and how “having choices we don’t like is no choice at all,” now they’re talking about people without health insurance “falling through the cracks.” The ad will debut on tv today, just in time for the convention in Colorado next week […]

Health Insurance Getting More Out Of Reach

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[…] It stands to reason that the ranks of the uninsured – 47 million nationwide, and 750,000 right here in Colorado – will be higher a year from now. We better get going on all these ideas that are floating around to lower the cost of health insurance. Because the problem sure doesn’t seem to be getting better on its own.

Supporting Volunteer Doctors

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The Volunteer Health Care Program Act (S3354) would provide funds that states could use to assume liability when doctors volunteer their services for patients without health insurance or a means to pay for care. If it passes, I would love to see Colorado get on board in order to provide more access to health care for residents without health insurance.

Attracting More Docs To Primary Care

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[…] private health insurance carriers and Medicare. It’s much more profitable to see a patient for 12 minutes and write a prescription (and repeat this process all day long) than it is to spend 45 minutes with the patient, putting together all the pieces of his health puzzle. A Colorado Springs Business Journal article describes the challenges faced by doctors who choose to spend time with their patients rather than squeezing as many patients as possible into a day.

Individual Health Insurance Vs Government Intervention

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[…] regulations would also be eliminated. For example, state laws that mandate coverage for mammograms or hospital stays after childbirth could be ignored at will.” I’m not sure what they’re referring to here, as there are plenty of mandates on individual policies in Colorado, and I haven’t heard anything about individual health insurance carriers being able to ignore them.

Obama And Individual Health Insurance Mandate

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[…]I’m curious how Obama’s plan would allow people to buy in groups without regard for pre-existing conditions, without driving the cost of health insurance even higher. Attacking the problem from the health insurance side is putting the cart before the horse. While I’m pleased to see health care taking such a major position in this election, I’d like to see both candidates focus on the underlying costs of our entire health care system, rather than just looking at ways to get everyone insured. Because if people can’t afford the insurance, and if insurance companies can’t afford to pay claims, simply having access to insurance won’t solve our health care problems.

Birth Control And Health Insurance

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Assuming nobody is trying to outlaw birth control (which is a concern that has been voiced by some groups) – should health insurance cover it? At the Colorado Health Insurance Insider, we’ve written before about the definition of insurance. Health insurance is meant to protect us from financial ruin in the event of a serious illness or injury. If birth control were an extremely expensive […]

Running Out Of Benefits

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Perhaps all private health insurance could cover up to $5 million, and then for the tiny percentage of patients who need coverage beyond that amount, a government catastrophic insurance policy could kick in. If you end up needing 100 doctor visits a year, and high-end drugs, and weeks in an ICU, you shouldn’t have to worry that your health insurance is going to run out.

McCain Health Care And Individual Health Insurance

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[…] because if we remove the underwriting from individual health insurance plans, the prices would increase dramatically. But for people with serious pre-existing conditions, options for coverage are seriously limited in the current market. In Colorado, we’re lucky to have a guaranteed issue high risk pool health insurance plan, but it’s expensive and has high out-of-pocket costs.

Submit Your Ideas For Health Care Reform

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It’s good to see a major health insurance carrier that we represent here in Colorado is spearheading this quest for ideas and change. In the best interests of the American public, the health insurance industry will need to be adaptable over the next several years. Without some major changes to the whole health care system, there is no sign that health insurance premiums […]

Independence Cavalcade Of Risk

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the 21st century involves exciting details like choosing an HSA qualified health insurance policy and making sure that we have adequate liability insurance for our cars. Much preferable to sticking my neck out as a traitor against the British Monarchy. Without further ado, the Colorado Health Insurance Insider presents the Independence Cavalcade of Risk […]

Why Would It Not Work Here?

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We Stand Firm has written an interesting article about the Colorado Medical Society and their support of health care coverage for Coloradans that should be “universal, continuous, portable, and mandatory.” I’m strongly in favor of health insurance for everyone in Colorado (and indeed, the US) that is universal, continuous, portable, and mandatory. I know this… Read more about Why Would It Not Work Here?

Colorado Businesses Don’t Want Mandatory Health Insurance

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The Blue Ribbon Commission for health care reform in Colorado has recommended a mandate for health insurance coverage, but not necessarily coverage that is tied to employment. And it should come as no surprise that business owners on the western slope – just like business owners all over Colorado – are not excited about the idea of being required to provide employees […]

HR676 Headed In The Right Direction

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I agree with PICU that it’s tough for individual voices to be heard in the healthcare reform process. Some stares are making an effort at reform – including Colorado – but it’s going to take unified, nationwide changes to really fix our health care system. Unfortunately there is a long line of deep-pocketed special interest groups who are deeply invested in maintaining the status quo […]

Unhappy Doctors

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Here in Colorado, we insureds are lucky to have a multitude of options for our health insurance. But I suppose the more options we have, the more hassle the doctors have with billing. Apparently, doctors don’t have the highest job satisfaction these days. There are many issues involved – I have to say, if I worked these hours, I’d be unhappy with my job too. But I […]

AMA Issues Guidelines For Medical Tourism

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The AMA has issued medical tourism guidelines for American patients, employers and health insurance companies. At the Colorado Health Insurance Insider, we’ve written about medical tourism and how health insurance carriers are seeing it as a way to lower costs by encouraging insureds to travel abroad to get quality medical care for far less than… Read more about AMA Issues Guidelines For Medical Tourism

Elective Cesareans Not A Complication Of Pregnancy

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We got a notice in the mail yesterday from Humana, one of the health insurance carriers we represent in Colorado. They have revised their definition of complication of pregnancy to include cesareans, but not elective cesareans. I was very pleased to see this, and I’m glad that Humana is differentiating between the two. Obviously someone who schedules a c-section […]

HR 6210 Won’t Solve The Problem For Small Groups

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We frequently get calls from employers here in Colorado who have three or four employees and would like to offer health insurance. But when they find out that the premiums are going to be a few thousand dollars a month, they realize that there is no way they can fit health insurance into their budget. Pooling together with other small businesses will help, but not […]

Number Of Underinsureds Rising Rapidly

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While an employee at a big company might consider $500 to be a high deductible, the majority of our individual health insurance clients in Colorado choose deductibles between $2000 and $5000, in order to keep the premiums down. That same employee at the big company may only be paying a few dollars a week for health insurance (with the employer paying […]