[…] 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.
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Individual Health Insurance Reform
[…] while group health insurance is great for employees who have access to it, the increasing premiums are causing headaches for the employers. And for those with no access to group health insurance, pre-existing conditions can be a major hurdle in the quest for individual health insurance in Colorado and 44 other states that use medical underwriting.
Health Care Reform Proposal From Business Roundtable
Business Roundtable, a group consisting of CEOs from some of America’s leading companies, has put together a health care reform proposal. This group represents companies that collectively provide health insurance for 35 million Americans through their employer-sponsored group health insurance policies in Colorado and across the US.
Obama And McCain On Mandatory Health Insurance
[…] No president is going to be able to reform health care on a whim – there are 100 senators and 435 representatives who have some input too. But Obama’s reform proposal is at least aiming towards health insurance for all children in America (in Colorado, 175,000 children are uninsured). It’s a small, but significant, step on the road to health insurance for everyone.
We Already Ration Health Care
[…] At the Colorado Health Insurance Insider, we believe that everyone should have equal access to quality health care. And if that means that I would no longer have hundreds of doctors on my health insurance network, or immediate access to care for non-emergency conditions, so be it. A little rationing for all of us, but health care for everyone.
If You Have No Ideas, Just Deny The Problem Exists
[…] I’m hopeful that our next president will make an effort to reduce the number of people in Colorado and across the nation who are without health insurance. If the next president is John McCain, I hope that when he’s searching for advisers, he at least picks people who do think that we have some problems in our health care system.
Complaint Ratios Updated With 2007 Data
The Colorado Division of Insurance has finished compiling and organizing the data for 2007. Visit the Colorado Health Insurance Company Complaint Ratio Comparison page to see the updated complaint, revenue, and market share statistics from the division of insurance along with the A.M. Best Rating information we’ve added alongside. We hope this makes it easier for you to shop for health insurance in Colorado, but you can always contact us for our expert assistance at no cost!
Health Care Reform Losing Ground
[…] while it would be nice to see sweeping reform that provides access to health care for the 47 million Americans (760,000 of them right here in Colorado) who don’t have health insurance at all, I’d be happy with anything that puts us on the path towards lowering that number and reducing the inequitable nature of our current health care system.
Watch Out For Medical Discount Plans in Colorado
Medical discount plans are being marketed heavily in northern Colorado at the moment. The Greeley Tribune is reporting that faxes are circulating with promises of $10 and $25 copays, and savings of “up to 60%” – keep in mind that a 1% savings still falls in the category of “up to 60%.” These plans are not health insurance […]
Personal Accountability And Health Insurance
[…] Even in Colorado – the thinnest state – one in five of us is obese, and health insurance rates have been steadily outpacing inflation for years. If obesity is not self-inflicted, one would expect to see no changes in the levels of obesity following a dramatic change in our lifestyles. If you had to make a bet one way or the other, what would it be?
The Economics Of Obesity
[…] I’d like to see a similar program in Colorado. With lots of help provided for those looking to lose weight. Anything that could lower our obesity rates would lessen the amount we’re spending every year to treat obesity-related health problems. And that would in turn have an impact on health insurance premiums, which would benefit all of us.
Health Insurance 101
[…] We talk to clients in Colorado on a regular basis who aren’t aware that individual health insurance is medically underwritten. Since this is the case in 45 states, it’s not something you want to be finding out after you’ve already quite your job and lost your group benefits. A high school class detailing the basics of insurance would be a good start.
The Power Of Anecdotes
[…] We talk to clients in Colorado on a regular basis who have very little in the way of options for health insurance, despite their best efforts to obtain coverage. Should we simply tell these people that life isn’t fair, and carry on with our day? I just don’t think that’s enough. There but for the grace of God go a lot of us.
Health Insurance Getting More Out Of Reach
[…] 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
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.
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.
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 […]
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.
Insureds With HSAs Dropping Meds
So while it would be nice to think that everyone who gets an HDHP is also setting up an HSA, funding it little by little until the account has enough money stashed away to cover the deductible, and then shopping around diligently for health care and avoiding unnecessary treatment – the reality is a bit different. Many of our Colorado clients who enroll in an HDHP do not set up an HSA […]
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
United Healthcare Settlement
[…] needs to be focusing on efficiency, service, and honesty. Anything less is likely to be looked at sharply as lawmakers and industry insiders work to lower the cost of healthcare and increase access to care for all Americans. I’m glad to see that United Healthcare – one of our major Colorado health insurers – has laid the SEC problem to rest and seems to be headed in the right direction.
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 […]
Why Would It Not Work Here?
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
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
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 […]