Surgery Might Not Be Best For Breech Births

[...] In the current quest to reform health care, everyone is talking about controlling costs. Lowering the rate of c-sections would have a significant impact on the cost of maternity care, since vaginal births are much less expensive than surgical births. Maternity care is something that most women eventually use, and lowered costs would translate to lowered health insurance premiums for all of us. [...]

Where Medicare Leaves Off

[...] I agree with Mike that we need to be having more of a discussion here in the US about how to better fund long term care. Private insurance policies work well, for the relatively few people who purchase them. But I think more intensive public education is needed in terms of what is and isn’t covered by Medicare.

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Health Insurance Companies Performing Better

[...] health insurance companies are indeed working to be better stewards for the customers they serve - insureds and providers. In 2008 (vs 2007), health insurance companies paid providers 5.3% faster and denied 9% fewer claims. This is what the health insurance industry is in business to do: pay claims, and pay them quickly. [...]

Too Important To Fail

[...] I would argue that instead of being considered too big to fail, major health insurance carriers might be seen as too important to fail. AIG’s collapse would have been primarily indirect, but health insurance companies work directly with individual Americans. Even in large groups, individual employees are the ones who carry the id cards with the insurance carrier’s logo on them. [...]

Medical Underwriting And Policy Rescission

[...] Electronic medical records that allow underwriters to see complete medical histories at the time of application would greatly reduce the number of policy recissions. Then again, there’s a lot of talk on the table right now about eliminating medical underwriting all together, which would solve the problem once and for all.

Profitability And The Health Insurance Industry

[...] The industry as a whole chalked up a profit margin of more than 10% in 2007, but that was carried by the life insurance side of the industry. Health insurance companies don’t fare nearly as well when it comes to making profits. Far more of their revenues are eaten up by claims, which continue to grow year after year as health care costs increase.

Medical Underwriting And Policy Rescission

[...] Electronic medical records that allow underwriters to see complete medical histories at the time of application would greatly reduce the number of policy recissions. Then again, there’s a lot of talk on the table right now about eliminating medical underwriting all together, which would solve the problem once and for all.

Hard To Please Everyone With A Single Health Plan

[...] There really is no one-size-fits-all when it comes to health insurance. In terms of health care reform, unless someone just starts handing out free health care (without tax increases or premiums…), it will be tough to get people to agree on a single plan, or even a handful of coverage options. [...]

Removing An Exclusion Rider On Our Policy

[...] It’s a lot of hoops to jump through, but if you have an individual health insurance policy in a state like Colorado that allows pre-existing condition exclusion riders, you might want to double check to see if your rider can be re-evaluated. Most carriers in Colorado require that the condition be resolved for at least a year before you can request a review of the rider. [...]

Humana Approved Our Appeal

[...] We’re thrilled with Humana’s decision, and we’re glad to be able to offer their policies to our clients in Colorado. Jay’s knees are really the first time we’ve had to use our health insurance for anything more than preventive care, and we’re happy to be able to report that everything has worked the way it’s supposed to. [...]

Colorado House Kills Oral Chemotherapy Bill

The Colorado House killed a bill today that would have required Colorado health insurance companies to cover oral chemotherapy pills. Diane Primavera (D-Broomfield), sponsored Senate Bill 250 in the House, and had support from patient advocate groups and the pharmaceutical industry. But the House Health and Human Services Committee voted 7 - 4 to kill the bill. [...]

Non-Profit Does Not Necessarily Mean Low Cost

I recently posted an article on the Colorado Health Insurance Insider about my views on making Medicare available as an opt-in option for Americans younger than 65. I got a comment on the article that I thought brought up some good points and wanted to expand on some of the ideas. The reader pointed out that a good number of private health insurance plans are non-profit [...]