A friend of mine was telling me a story about a lady she knows who has just found out that she has breast cancer. She’s 26 years old and has no health insurance. She earns $17,000/year and has been told that she does not qualify for Medicaid. My friend was asking me if there’s anything… Read more about SWF, 26, Uninsured, With Breast Cancer
Individual/Family Health
United Healthcare Improves Plans, Lowers Rates
United Healthcare has just made some big changes to their individual/family health insurance plans in Colorado. Some of the best improvements are: More flexible underwriting, including a height and weight chart with expanded limits. A first-day wellness benefit. More deductible options United Healthcare was already one of our favorites for underwriting on impaired risk cases…. Read more about United Healthcare Improves Plans, Lowers Rates
A Pretty Lady, A Puppy, and Some Daisies
I was heartened today to see this article announcing that the FDA is going to start studying whether “relaxing, upbeat images featured in TV drug ads distract consumers from warnings about the drugs’ risks.” According to the article, drug companies in the US spent $29.9 billion on advertising in 2005 – up 330% from a… Read more about A Pretty Lady, A Puppy, and Some Daisies
Tax and Spend
Colorado Representative Tom Tancredo criticized the State Children’s Health Insurance Program (SCHIP) bill because, “it removes a requirement that children in the plan show proof of citizenship.” Again, the Democrats have proven their loyalty to illegal aliens over American citizens, Tancredo said. Sounds logical, right? We don’t want children of illegal immigrants taking advantage of… Read more about Tax and Spend
Check Out the Latest Health Wonk Review
Bob Laszewski spent some valuable vacation time in HI putting together the latest Health Wonk Review. He included a post from the Colorado Health Insurance Insider about how dealing with health care providers without the assistance of an insurance company is like dealing with the mafia. And a good one to check out is from The… Read more about Check Out the Latest Health Wonk Review
MEGA Story Left Out of SiCKO
Another family that was scammed by MEGA because of an agent leaving out important details of their policy, like “it’s actually not really going to cover anything”, almost had their story told in the movie SiCKO. However, the story was cut from the movie. When they were cut from the film, Hesper Main said that… Read more about MEGA Story Left Out of SiCKO
Life, Liberty and the pursuit of Happiness
Angelina Ortiz’s family income must not exceed $41,304 annually. If it does, she and her brother would no longer qualify for Colorado Childrens’ Health Plan Plus, and the family would be forced to pay $1200/month for Angelina’s lifesaving medications. Her condition? Asthma. The ubiquitous respiratory ailment that can range in severity from a minor tight-chested… Read more about Life, Liberty and the pursuit of Happiness
Humana Says the Price is a Secret
Note: This is the fourth entry in my price transparency experiment. See the first entry here, the second entry here, the third entry here, and the fifth entry here. Jay has written several times over the last month about his lipoma surgery and the billing headache that it has become. When we got the bill… Read more about Humana Says the Price is a Secret
The Freedom of Individual Health Insurance
She said she realizes that the money they’ll be saving on their health insurance now is much greater than what she would have saved by having the group insurance through her employer for the 2 years she worked there. And the freedom it gave her and her husband is priceless.
Testimonials
We know we’re not perfect. Who is? And we want to constantly improve what we do and how we help you with your insurance needs. Consequently, getting honest testimonials and feedback from our customers is important to helping us serve you better. Most importantly, we don’t sell your name or email address. (privacy policy) During… Read more about Testimonials
I Got the Bill
Note: This is the third entry in my experiment with price transparency in the US health care system. See the first entry here, the second entry here, the fourth entry here, and the fifth entry here. I finally got the bill for the surgery (pdf). It was quite high compared to the estimate I received…. Read more about I Got the Bill
What is a Copay?
First of all, a plan with copays is usually going to be a waste of money. A copay is a dollar amount the health insurance company has specified that you’ll pay for either doctors visits or prescription drugs. A typical plan will have $25 doctors visit copays and $15 copays for generic Rx and $30… Read more about What is a Copay?
Colorado Health Insurance and Bariatric Surgery
For the last few days, I’ve been pondering how I feel about health insurance paying for gastric bypass surgery. My first reaction is ‘no way!’ I don’t want to be subsidizing the cost of this surgery with my health insurance premiums. I tend to take a very hard-line approach to the current obesity crisis. It’s… Read more about Colorado Health Insurance and Bariatric Surgery
Individual Health Insurance Jitters
Yesterday I was talking with a friend about what we would do if we had tons of money. One of those pie in the sky conversations that makes you thing about what’s important in life. Neither one of us is a big shopper – we’re both pretty frugal and didn’t think that would change much. … Read more about Individual Health Insurance Jitters
Scum
It’s easy to see how people can be against socialized medicine, or even an expansion of Medicaid. The more people you hear about like “Ashley” on Yahoo Answers, the more it seems like you’re just subsidizing their irresponsibility. She asks… Hey all. Just the other day I went to apply for Medicaid. I live in… Read more about Scum
Still No Transparency
Note: This is the second entry in this nightmare to get some transparency on a simple lipoma removal surgery. See the first entry here, and the third entry here. I found a dermatologist that could remove my lipoma (if you haven’t done so already – read part 1) in her office (Boulder Valley Center for… Read more about Still No Transparency
Pregnancy Expenses Revisited
I recently wrote a post about paying for pregnancy. A comment from a reader caught my attention and I felt that it deserved a mention and a few more of my thoughts on the matter. The problem with having a pool of money from all insurance companies to pay for pregnancy (or anything else) is… Read more about Pregnancy Expenses Revisited
Steve Dieckhoff Benefit
Update: Steve Dieckhoff died Saturday morning (3/15) just as the sun began to rise, friends said. He was 56 years old. A memorial service in Boulder has not yet been scheduled. Daily Camera story here Latest info and pics here Steve Dieckhoff is a local Boulder rock climber who is battling lymphoma. His friends and… Read more about Steve Dieckhoff Benefit
Misperception of a Free Market
Proponents of private health care make it sound really simple to the average person. I always hear the statement “A free market system will ensure the best price and service”. While that may be true with most other industries, that argument over simplifies what healthcare is and misses the point. I’ll show you what I… Read more about Misperception of a Free Market
Paying for a Pregnancy
Lately I’ve been pondering the expenses involved with having a baby. Jay and I have been married four years, and we’ve started discussing the idea. Obviously, there are enormous costs that continue to accrue over the years – everything from cribs to college, most of which can be lowered through frugal living. But what about… Read more about Paying for a Pregnancy
What if…
What if businesses weren’t allowed to deduct the cost of employee health insurance benefits? And what if businesses were required to show the employees how much they pay for their benefits and offer the choice for the employee to either keep receiving the group insurance benefit or to get that same amount as a raise?… Read more about What if…
Non-Transparency
Note: This is the first entry in this nightmare to get some transparency on a simple lipoma removal surgery. See the second entry here, and the third entry here. I’ve had a lipoma on my right shoulder blade for the past 5 years. I didn’t do anything about it right away because the doctor told… Read more about Non-Transparency
COBRA Versus Individual Health Insurance
I came across a blog post this morning that talked about the loss of health insurance that goes along with being laid off from a job. The author mentioned that COBRA is an option, and correctly explained that COBRA allows us to continue to get health insurance coverage through a former employer, as long as… Read more about COBRA Versus Individual Health Insurance
Increased Demand = Better Health
With a new governor in place, Colorado has been proposing changes to the health care system lately. The recent Colorado State-of-the-State presentation focused on health care and boosting the ranks of Colorado insureds. One of the points that was made was that if we insure more people, there will be more of a demand for… Read more about Increased Demand = Better Health
Personal Accountability in Health Care
I strongly agree with Marcy Morrison, the Colorado Insurance Commissioner, on her recent statements regarding personal accountability for health: “If people take better care of themselves, we can look at other options besides how to get more care. We read a lot about diet and exercise, but we have to ignite the public to put… Read more about Personal Accountability in Health Care