The Democratic party has committed to guaranteed health care for all. Obama wants to make health insurance more accessible and affordable for everyone. It will be interesting to see what health care reform details are presented later this month when the party leaders arrive here in Colorado for the DNC. […]
Individual/Family Health
Health Wonk Review Is Up
[…] The HWR is up, including a post from the Colorado Health Insurance Insider. A post about the underinsured caught my eye. It’s the responsibility of those of us in the industry to clearly explain the ins and outs of the various options. Being underinsured is a very real problem – one that people often don’t see until they have a large claim.
No Freedom Of Choice For CSU Grad Students
[…] to be a graduate student at Colorado State University, and needs to get a health insurance policy. Last year, CSU made a requirement for graduate and international students to have health insurance. The students may either get a policy through CSU’s Hartshorn Health Plan, or they can show proof of comparable coverage obtained elsewhere. The Hartshorn policy costs […]
A New Transparency Tool From Anthem Blue Cross Blue Shield
Anthem Blue Cross Blue Shield has introduced a useful tool for their Colorado health insurance members. It’s time to lift the veil of secrecy that surrounds network negotiated pricing. Health care is too important – and way too expensive – for consumers to have to guess when it comes to pricing and picking a provider […]
An Amazing Discount from Humana
We got the EOB from Humana for our son’s PKU test. This test is vitally important for newborns, and not something that anyone should skip for financial reasons. But for the 770,000 Colorado residents without health insurance, a PKU test would cost 18 times as much as it costs for people with health insurance […]
Higher Lifetime Maximums On Health Insurance
[…] We can do this by eliminating the lifetime maximums on private health insurance policies. Very few of us can come up with an extra few million dollars to pay medical bills. That’s why we have health insurance – but it doesn’t do us any good if we hit the lifetime maximum before the end of our lifetimes.
Freedom Of Choice In Health Care
[…] We like to think that we have a free market health care system and can make our own choices about our care and our health insurance. But for a Colorado resident without an employer-sponsored health insurance policy, and with pre-existing conditions that put private health insurance out of reach, Cover Colorado is the only real option for health insurance.
A Huge Fine For HealthMarkets
[…] HealthMarkets has been hit with a $20 million fine after a three year investigation led by insurance commissioners in 29 states, including Colorado. Colorado will get $650,000 in the settlement, which found that HealthMarkets was negligent in both front- and back-end issues – including agent training and disclosure to consumers, as well as the handling of claims and complaints.
Individual Health Insurance Vs Government Intervention
[…] 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
[…]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
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
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
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
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
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
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
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 […]
A Health Insurance Report Card
Included in the ratings are Aetna, Anthem BCBS, Cigna, Coventry, Health Net, Humana, United Healthcare, and Medicare. In the individual health insurance market in Colorado, we deal extensively with Aetna, Anthem, Humana, and United Healthcare, so I was especially curious […]
Grand Rounds from the South Pacific
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
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
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
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
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
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
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 […]