The Problem With Health Care Reform – I Want Auto Insurance For My Body

Let’s get something clarified right up front – the debate is not about reforming health care. We have some of the best doctors, hospitals and medications available in the world today. This is all about reforming the way health care is financed and the way health care insurance is handled. This series of articles is just some ideas I want to share.
Health insurance has come to be known by something else entirely. By its very basic definition, insurance covers the unexpected, the accident, the catastrophic. Health insurance coverage at its root has come to represent something entirely different and what we have learned …

Health Care Reform and Fertility Drug Coverage

Couples facing infertility often have very limited health insurance options. Most insurance plans simply do not cover infertility treatments. Fifteen states mandate coverage at some level, but even if you work in one of the covered states there are many loopholes. With the recently passed Health Care Reform Act, perhaps there is some relief in sight for couples looking for coverage.
In an earlier article we looked to see if the Health Care Reform Act directly addressed infertility coverage in any way. Looking at the Senate version of the bill widely available on the internet, and using the word search …

Reform Plans of President Obama

President Obama’s health insurance reform plans that he mentioned on last June are some of the most aggressive in recent times. The plans that are offered by such private insurers like United Healthcare, Kaiser, WellPoint and similar other private health insurers of the U.S. provide coverage to over 200 million Americans in 2009.
These plans are known as the Health Insurance Consumer Protections by the White House and considered to be of high importance in thwarting the bad practices that are often used by the insurers to exclude people from getting coverage, and also to avoid the need to pay …

Is Health Care Reform Now at Hand?

A slight frowning haunted the Democrats in the House of Representatives when just a month ago a Republican has been sent to Washington by his people to gain the seat Sen. Ted Kennedy vacated upon the latter’s demise. Senator Scott Brown won the election and upheld against the late senator’s advocacy of bringing reform on health care after decades of championing the bill in the senate. It took several administrations before finally the country had an optimistic president who goes beyond political boundaries and test the delicate waters of partisanship in the person President Obama. Filibuster that is Brown as …

Health Care Reform For PEOs

Loss of Management carve-out, Section 105(h), Grandfathered Plans

Section 105 (h) prevents discrimination in the workplace as it pertains to employee benefits and employees income levels. Its intent is for employers to offer the same plans and contribution strategies to rank and file employees and executives alike.

Health care reform has mandated that effective 2010 all group plans must comply with Section 105(h) unless they have grandfathered status.

To obtain grandfathered status you must not have made any changes to your group St Vincent Medical Center Los Angeles plan design (co-pays, RX costs, etc.) other than adding or dropping employees.…

Health Reform Limits Health Insurance Options for Children

The September 2010 health care reform mandates limits the health insurance options available for those under 19. Across the United States, many private health care insurance companies appear to have decided not to insure youth who purchase standalone policies after September 22nd. Not all carriers have announced their decision on this issue, but many that have are choosing eliminate these types of policies.
Children 18 and under who apply for a health insurance policy with at one or both parents will not be affected. children 18 and under who are covered by standalone policies that were effective prior to the …

Health Insurance Plan Reform Is Still Divisive

According to the Kaiser Family Foundation, the Obama administration’s healthcare reform legislation is still sparking a variety of opinions. The organization, which tends to be sympathetic to the law, recently released its final poll before the November midterm elections. It consists of 1,200 adults surveyed in early October.

What were their findings? As expected, opinions continue to be divided. However, the figures have flip-flopped. This is interesting, since the bulk of the law has yet to be implemented. The few features that came into effect in late September (i.e. forbidding health insurers from denying coverage to children with pre-existing conditions) …

Health Care Reform – The Real Goal

If you want to start a heated debate, just turn the conversation to the health care reform that is underway at the moment in Congress. Everyone has an opinion and tends to feel militant about it. In forming these opinions, however, many are focusing on minor issues instead of the big picture where we find the real goal of this health care reform effort.
The government is a forward lurching beast. This is because of the nature of our elections. Politicians do not run on a platform of promising to do nothing. Well, at least not politicians that win! Instead, …

Small Business Medical Insurance and the Impact of Health Care Reform

The Patient Protection and Affordable Care Act (PPACA), otherwise known as the “Health Care Reform Act” was signed into law on March 23, 2010 by President Obama. Most of the initial provisions did not go into affect for 6 months, or September 23, 2010. The bill is a whopping 2000+ pages long, with a 14-page Table of Contents! It’s no wonder that most employers have little comprehension of what is contained in the bill, and less understanding of how the bill will affect their business. To understand the impact of the bill on your business, you should contact a specialist …

The Potential Effects of Health Care Reform on My Personal Health Insurance Plan

The debate about health care reform rages on with little discussion about the negative effects that all of us are likely to see. While the goals of health reform seem noble, an in-depth look will reveal the unintended consequences.
Higher cost – Health reform focuses on forcing insurance companies to cover pre-existing conditions and a myriad of other mandates for the benefit of those that have been irresponsible. Maintaining health insurance coverage long term eliminates any problems with pre-existing conditions. The proposed legislation will force insurers to cover those who have “taken a chance” to go uninsured and have the …

Health Care Reform – Will Dr Obama Be Able to Cure the US Health System?

Let’s pretend that President Obama is actually Dr Obama, and that his job is to diagnose and treat Supplement Study 2018 the US Health System. What will he find, how will he go about it, and what will be the outcome?
The process of diagnosis is relatively straight forward. Everyone acknowledges that the system is broken and that there are a number of agreed on symptoms of this disorder. Firstly the system is far too costly, consuming almost twice as many dollars per capita as health systems in other Western countries. And this expense is also poorly focused. Over thirty …

Health Care Reform – What is the Role of Online Programs Now?

The topic of “Health care reform” is becoming increasingly popular in the US. In the light of an article published in New York Times, Americans are separated uniformly in number as to their approach regarding the issue. Despite the long-lasting debate over the hot issue, final decision to implement a nationally networked health record system was made in February 2009 with the American Recovery and Reinvestment Act Apart from Obama’s health care reform bill, Information technology is expected to positively influence the medical field.
Popularly termed as the ARRA, terms of the final bill that is now law requires $19 …

With Health Care Reform, Will Doctors Start to Turn Patients Away?

The original concept was that the nationalized health care plan being proposed by President Obama would lower the amount of visits made to hospital emergency rooms each day given that those who seek emergency room care for routine health care issues would now have the medical Healthy Lifestyle Facts insurance coverage that they require to schedule regular doctor visits.A� Taking a look at the bigger picture however, uncovers a scary concept and the new health care plan might actually cause an increase in the amount of non-emergency, emergency room visits each day.
A�
A closer look at the current health …