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Individual/Family Health

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.

Demand For Health Care Decreasing

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We’re noticing more and more of our Colorado clients requesting high deductible health insurance policies, with prescriptions covered only once the deductible is met. Does this mean that they are more likely to pass on meds? Probably it means that they’ll think twice before going to the doctor or filling a prescription. When an employer sponsored health insurance policy is paying for […]

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.

Health Insurance Premiums For Smokers

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Individual health insurance carriers in Colorado typically consider tobacco use when setting premiums. Rate increases vary from one company to another, and sometimes depend on other factors like age, BMI, blood pressure, and cholesterol levels. When Aetna entered the individual market in Colorado, their underwriting did not call for a increase in price for a… Read more about Health Insurance Premiums For Smokers

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 […]

Health Wonk Review

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The Health Wonk Review is up at the Disease Management Care Blog.  The Colorado Health Insurance Insider post about HR676 is included. Insure Blog has a good post about Fed Chairman Bernanke’s assessment of health care costs.  I agree with Hank that health care costs are driving health insurance premiums.  But I think there’s more… Read more about Health Wonk Review

Grand Rounds

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A somewhat Apple-biased Grand Rounds is up at Shrink Rap.  It’s worth checking out just to see the ultra-cool graphic… an iPhone with nifty little icons for every post… The Colorado Health Insurance Insider post about hospitals and breastfeeding has a little icon of a breastfeeding baby! I appreciated Mother Jones post about cell phones… Read more about Grand Rounds

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 […]

Grand Rounds from the South Pacific

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Yet again, Grand Rounds has opened my eyes to a medical blog that I haven’t seen yet, but I will read regularly from now on.  Marianas Eye is a very well written blog with a lot of good stuff including this weeks Grand Rounds, so we added them to our blogroll.

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 […]

What Drives Health Insurance Premiums

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Aetna CEO Ron Williams, who spoke today with the Senate Finance Committee about rising health insurance premiums. Williams cited the 6.6% profit margin reported for Aetna last year, and made the case that rising health insurance premiums are a reflection of rising health care costs, and that health insurance carriers have to raise prices in order to […]

Individual Health Insurance Won’t Work For Everyone

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We work primarily in the individual health insurance market. Colorado is one of the healthiest states in the US, and yet we still have about one applicant in ten unable to obtain coverage. Luckily we have a high risk pool – Cover Colorado – that we can present as a last resort, but the high premiums and out-of-pocket expenses can be a bit off-putting. Although 9 out of 10 applicants […]

Caesareans Make It Harder To Get Health Insurance

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I just finished reading this article from the NY Times about how people who have had caesareans face more hurdles when they try to get individual health insurance. The article focuses on individual health insurance in Colorado, which made it especially interesting for me. Golden Rule – one of the companies mentioned in the article… Read more about Caesareans Make It Harder To Get Health Insurance

Young And Uninsured

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Most individual and group health insurance policies drop children once they are no longer full time students, although the rules on that have been changing in recent years. Colorado now allows dependent children to stay on their parents’ health insurance policy until age 25, and many other states have taken a similar position, with some allowing […]

Employers And Health Insurance Don’t Need To Mix

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What if every Colorado resident could be covered by a range of health insurance plans similar to what is available today in the group and individual market, but without any employer affiliations required? People would be covered continuously, regardless of their employment situation, and would not be trapped in a job just for the health insurance benefits […]

McCain Health Care Hangs States Out To Dry

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In Colorado, we’re lucky to have Cover Colorado available for uninsurable residents who do not have access to other coverage. At least our state has a high risk pool that is open to new enrollees and provides health insurance for people who would otherwise be uninsured. But it’s far from ideal. The policies are expensive and the out of pocket costs are higher than […]

Rescinded Health Insurance Policies Getting Reinstated

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I’m curious to see how the situation in CA will affect our health insurance industry practices here in Colorado. I firmly believe that health insurance companies should do their homework before approving a policy, and that once a policy is issued by the insurer and accepted by the member, it should be a binding agreement. I know that would cost the health insurance companies […]

Pre-Existing Conditions a Serious Issue For Health Insurance

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…in Colorado, Cover Colorado provides a reasonable coverage option, although many people find that the only deductible they can afford is much higher than they would like. But what about people who live in the 40% of states that don’t have a high risk pool? Or the ones who live in states where the high risk pool was financially swamped ages ago and hasn’t […]

Genetic Testing Anti-Discrimination Law

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InsureBlog made some good points last fall about the bill, and why it’s not really all that helpful. In terms of the small group market, I would agree, since small group plans are guaranteed issue, and in Colorado, the state has restricted insurers from increasing premiums for small groups based on medical history – regardless of how the medical information was obtained […]

Recycling Drugs To Fill Prescriptions for The Uninsured

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I’ve seen several articles recently about prescription drug donation/recycling programs, which I think is a great idea. True, it may be like trying to move a mountain with a spoon, but doesn’t that beat not trying at all? The articles I found didn’t mention anything about Rx donation and recycling programs here in Colorado, and… Read more about Recycling Drugs To Fill Prescriptions for The Uninsured

Health Care For All Pregnant Women

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I just came across a great article from Midwife With A Knife (The RHI Health Blog of the Week on Regulating Health Insurance). It’s about the frustration felt by a doctor dealing with non-compliant patients – in this case, pregnant diabetics who don’t manage their blood sugar and insulin during pregnancy, and end up with… Read more about Health Care For All Pregnant Women