Showing posts with label Education. Show all posts
Showing posts with label Education. Show all posts
Tuesday, August 24, 2010
Thursday, August 19, 2010
Deductible: the amount you must pay before an insurer will cover any of your expenses. This cool video does a good job explaining this often confusing term: http://bit.ly/blyIxH
Friday, August 6, 2010
Wednesday, July 28, 2010
Join us for our August event; Navigating the Healthcare Maze. In cooperation with Ameriprise Financial. Register here: http://bit.ly/cf6KG2
Wednesday, June 16, 2010
Webinar: Health Reform and how it will affect you, Wednesday, July 7, 11am-12pm Sign up here: http://bit.ly/cKGzzc
Monday, February 22, 2010
Prevention is the best way to keep your costs down
We talk with individuals and employers all day long about how to keep their health insurance costs down. Unfortunately, there is no silver bullet.
In addition, if you are purchasing health insurance as an individual or small business (2-50) employees, the rates are fixed and you just have to "take-it" whenever a carrier says you are getting a rate increase.
So what can you do?
You can focus on what is within your control. You can exercise, eat healthy, manage stress, negotiate with your health care provider (in some cases) and other things that keep you from getting sick or landing in the ER. If you are a user of an HSA (health savings account) you can use some new tools that will help you get more money and find savings.
Here are a couple of sites that you may find useful that help with their online tools and education:
Wellness and Coaching: More Good Years
Provider Negotiations: Medical Costs Advocates
HSA Shopping Rewards: My HSA Rewards
Also, check with your carrier (Blue Cross, Blue Shield, Health Net, Kaiser and more) as most have health coaching, health assessments, cost estimators and other tools that many consumers just are not aware are available.
In addition, if you are purchasing health insurance as an individual or small business (2-50) employees, the rates are fixed and you just have to "take-it" whenever a carrier says you are getting a rate increase.
So what can you do?
You can focus on what is within your control. You can exercise, eat healthy, manage stress, negotiate with your health care provider (in some cases) and other things that keep you from getting sick or landing in the ER. If you are a user of an HSA (health savings account) you can use some new tools that will help you get more money and find savings.
Here are a couple of sites that you may find useful that help with their online tools and education:
Wellness and Coaching: More Good Years
Provider Negotiations: Medical Costs Advocates
HSA Shopping Rewards: My HSA Rewards
Also, check with your carrier (Blue Cross, Blue Shield, Health Net, Kaiser and more) as most have health coaching, health assessments, cost estimators and other tools that many consumers just are not aware are available.
Friday, April 24, 2009
10 Ways to Keep Health Coverage if You Lose Your Job
Top 4 that I found interesting from National Center for Health Policy Analysis: (read all 10 here)
6. Shop for Individual Coverage. There may be cheaper alternatives to COBRA, especially if you have no severe health problems. For example, a Dallas family of four with both parents in their 20s could buy a preferred provider organization (PPO) plan with a $2,000 deductible for a $4,680 annual premium. That same family's annual COBRA premium would be closer to $13,000, on average. If the family chose a $5,000 deductible, the annual premium would be less than $3,500. Some of these plans also qualify for an HSA, allowing the policy holder to set money aside tax-free to pay medical expenses. You can contact independent insurance agencies to compare policies or shop online at sites that compare prices, such as http://www.ehealthinsurance.com. Some insurers even offer short term medical "gap" coverage for people between jobs, retiring prior to Medicare eligibility, or not yet eligible for company benefits and for students about to graduate.
7. Even if You Are Uninsurable, You May Be Able to Get Insurance. Under federal law, people who have been continuously insured with no significant gaps in coverage (that is, no more than 62 days), cannot be denied individually purchased coverage because of health status. Different states enforce this federal requirement in different ways. Some states require insurers to accept all applicants, regardless of pre-existing conditions. However, in states with so-called guaranteed issue regulations, premiums are often two to three times as high as those in states that allow insurers to charge premiums based on health status. More commonly, 35 states have high-risk pools to insure those who are turned down by commercial insurers. Twenty-nine states requires insurers to make at least one "guaranteed issue" plan available to those who have been continuously covered, regardless of health status.
9. Consider a Limited Benefit Plan. Limited benefit plans - sometimes called mini-meds - have a maximum annual benefit. They may pay for a set number of office visits per year and may only cover generic drugs. These policies usually also cover some hospitalization. However, benefits may be capped at a maximum of, say, $10,000, $25,000 or possibly $50,000 in a given year. When Tennessee moved many families on its Medicaid program (TennCare) to limited benefit plans, about 98 percent of enrollees never exceeded their $25,000 annual maximum.
10. Join a Concierge Physician Practice. Some innovative physician practices provide primary care in return for monthly (or annual) fees. Dallas-area physician Nelson Simmons offers a package of services for less than $500 a year. About 70 small business owners pay $40 per employee per month for Simmons' plan. In return, employees get same-day primary care services and steep discounts. Enrollees must pay out-of-pocket for specialist care, surgeries and diagnostic tests, but Simmons negotiates the rates with providers. The total out-of-pocket cost is typically much lower than what you would pay as an uninsured individual. For example, a tonsillectomy for a child costs less than half of the normal fee ($2,100 versus $4,800) and an MRI scan can be less than one-fourth the standard rate ($350 versus $1,600).
An Arizona-based firm, the No Insurance Club, has a package that allows individuals to see a primary care physician up to 12 times per year in return for an annual fee of $480. A family can share 16 visits per year for $680. Generic drugs are discounted and most routine lab tests are low cost or included in the annual fee. This type of arrangement may even be combined with a catastrophic health plan to ensure a major illness doesn't turn into a financial catastrophe. Physicians are joining the practice in selected cities nationwide.
6. Shop for Individual Coverage. There may be cheaper alternatives to COBRA, especially if you have no severe health problems. For example, a Dallas family of four with both parents in their 20s could buy a preferred provider organization (PPO) plan with a $2,000 deductible for a $4,680 annual premium. That same family's annual COBRA premium would be closer to $13,000, on average. If the family chose a $5,000 deductible, the annual premium would be less than $3,500. Some of these plans also qualify for an HSA, allowing the policy holder to set money aside tax-free to pay medical expenses. You can contact independent insurance agencies to compare policies or shop online at sites that compare prices, such as http://www.ehealthinsurance.com. Some insurers even offer short term medical "gap" coverage for people between jobs, retiring prior to Medicare eligibility, or not yet eligible for company benefits and for students about to graduate.
7. Even if You Are Uninsurable, You May Be Able to Get Insurance. Under federal law, people who have been continuously insured with no significant gaps in coverage (that is, no more than 62 days), cannot be denied individually purchased coverage because of health status. Different states enforce this federal requirement in different ways. Some states require insurers to accept all applicants, regardless of pre-existing conditions. However, in states with so-called guaranteed issue regulations, premiums are often two to three times as high as those in states that allow insurers to charge premiums based on health status. More commonly, 35 states have high-risk pools to insure those who are turned down by commercial insurers. Twenty-nine states requires insurers to make at least one "guaranteed issue" plan available to those who have been continuously covered, regardless of health status.
9. Consider a Limited Benefit Plan. Limited benefit plans - sometimes called mini-meds - have a maximum annual benefit. They may pay for a set number of office visits per year and may only cover generic drugs. These policies usually also cover some hospitalization. However, benefits may be capped at a maximum of, say, $10,000, $25,000 or possibly $50,000 in a given year. When Tennessee moved many families on its Medicaid program (TennCare) to limited benefit plans, about 98 percent of enrollees never exceeded their $25,000 annual maximum.
10. Join a Concierge Physician Practice. Some innovative physician practices provide primary care in return for monthly (or annual) fees. Dallas-area physician Nelson Simmons offers a package of services for less than $500 a year. About 70 small business owners pay $40 per employee per month for Simmons' plan. In return, employees get same-day primary care services and steep discounts. Enrollees must pay out-of-pocket for specialist care, surgeries and diagnostic tests, but Simmons negotiates the rates with providers. The total out-of-pocket cost is typically much lower than what you would pay as an uninsured individual. For example, a tonsillectomy for a child costs less than half of the normal fee ($2,100 versus $4,800) and an MRI scan can be less than one-fourth the standard rate ($350 versus $1,600).
An Arizona-based firm, the No Insurance Club, has a package that allows individuals to see a primary care physician up to 12 times per year in return for an annual fee of $480. A family can share 16 visits per year for $680. Generic drugs are discounted and most routine lab tests are low cost or included in the annual fee. This type of arrangement may even be combined with a catastrophic health plan to ensure a major illness doesn't turn into a financial catastrophe. Physicians are joining the practice in selected cities nationwide.
Thursday, April 2, 2009
National Coalition on Health Care April 14, 2009
There is quite a bit of discussion about National Healthcare. This came through my desk today. If you are interested on the variety of options on the table you may want to attend this event in Sacramento:
"The future of health care – in the United States and here in California – could be changed fundamentally by decisions made in the next few months. The stakes – for the health and well-being of all of us, for the growth and competitiveness of our economy, and for our living standards – are enormous.
Speakers will include (in alphabetical order):
·John Arensmeyer, Founder and CEO, Small Business Majority
·Barbara Blake, State Secretary, United Nurses Associations of California
·Denny Delk, Member of the National Board, American Federation of Television and Radio Artists
·Ted Epperly, M.D., President, American Academy of Family Physicians
For a more detailed list of speakers and more information or to register click here.
"The future of health care – in the United States and here in California – could be changed fundamentally by decisions made in the next few months. The stakes – for the health and well-being of all of us, for the growth and competitiveness of our economy, and for our living standards – are enormous.
Speakers will include (in alphabetical order):
·John Arensmeyer, Founder and CEO, Small Business Majority
·Barbara Blake, State Secretary, United Nurses Associations of California
·Denny Delk, Member of the National Board, American Federation of Television and Radio Artists
·Ted Epperly, M.D., President, American Academy of Family Physicians
For a more detailed list of speakers and more information or to register click here.
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