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Dangerous Bill To Be Aimed at the Individual Market

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[…] if you currently have pre-existing health conditions and would like to double or triple your health insurance premiums, contact your legislators and tell them to remove underwriting from individual/family health insurance in Colorado so healthy people no longer have a reason to purchase coverage for the possibility of future health problems.

A Tenacious Appeal

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[…] We work with all of the major health insurance carriers in Colorado, and I talk with people from most of those companies on a daily basis. And almost all of them go out of their way to be helpful. The appeals process for claims and pre-authorizations can be long and painful, but if you think you’ve got a good case, don’t give up.

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.

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.

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?

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 […]

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 […]

Mandatory Health Insurance Not Likely

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In Colorado, two of the top five proposals being considered last year by the Blue Ribbon Commission included mandatory health insurance, and they’ve done it in MA – residents there are currently paying fines if they don’t have health insurance in place. But with Clinton out of the race, nationwide mandatory health insurance isn’t likely to come 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 […]

A National Disgrace

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Health care and the broken US health care system are big topics right now. We’re in the middle of an election year, and more and more Americans fed up with rising prices on health insurance, prescription drugs, and medical services in general. Health insurance companies claim that they’re barely scraping by and that the dramatic… Read more about A National Disgrace

Colorado HB1389 Passes House And Senate

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HB 1389, the Fair Accountable Insurance Rates Act of 2008, has passed the Colorado House and Senate, and is headed to governor Bill Ritter for his signature next month. Health insurance companies doing business in Colorado will now be required to get approval from the state before enacting rate increases, and will have to disclose… Read more about Colorado HB1389 Passes House And Senate

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 […]

More Regulation In Pharmaceutical Advertising

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…drug industry has launched a huge advertising campaign – next time you’re watching TV, see how many ads go by before you see at least one for a prescription. The Colorado Health Insurance Insider has addressed this problem before, and it seems that lawmakers are starting to notice the impact that TV advertising of pharmaceuticals is […]

Disclosure Of Gifts Made To Doctors

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At the Colorado Health Insurance Insider, we’ve made our position on the relationship between pharmaceutical companies and health care providers very clear. When pharmaceutical companies provide tangible benefits to doctors, hospitals, and universities, the lines between objectivity and bias become very blurred. And for patients without health insurance […]

Mixing Health Care And Capitalism

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At the Colorado Health Insurance Insider, we’ve written about the financial devastation faced by families when a high-priced medication is not covered by their health insurance carrier. But it seems that it would be even worse to not have the option to at least try to purchase the treatment on your own. These are people’s lives we’re talking about […]

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 […]

Taking a Closer Look at Colorado HB 1389

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Colorado House Bill 1389, dubbed the Fair & Accountable Insurance Act, was approved by the House Business Affairs & Labor Committee. It now goes to the House Appropriations Committee. This bill, introduced by Rep. Morgan Carroll (D-Aurora) and Sen. Paula Sandoval (D-Denver), addresses a very complicated issue and we at the Colorado Health Insurance Insider… Read more about Taking a Closer Look at Colorado HB 1389

Why Is There A Balance To Bill In The First Place?

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In CA, regulators are working to impose a ban on “balance billing” – the practice of billing patients for amounts over what their health insurance companies will pay for a given procedure. While most health insurance networks prohibit balance billing, there are only eight states that regulate the practice, and a good number of patients… Read more about Why Is There A Balance To Bill In The First Place?

Is Mandatory Health Insurance Unconstitutional?

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I just came across an excellent article by Karl Manheim and Jamie Court. It presents some compelling explanations of how the idea of making private health insurance mandatory for American citizens may not be constitutional. At the Colorado Health Insurance Insider, I’ve come out in support of mandatory health insurance, and also very much in… Read more about Is Mandatory Health Insurance Unconstitutional?

No Out Of State Health Insurance For Colorado Residents

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The Colorado House of Representatives rejected a proposal yesterday that would have made it possible for Colorado residents to buy health insurance from out-of-state carriers not licensed in Colorado. The vote was close, but failed 6-5 in the committee meeting. I think that the state-by-state system of health insurance in this country is ridiculous, considering… Read more about No Out Of State Health Insurance For Colorado Residents