April 2008

Pre-Existing Conditions a Serious Issue For Health Insurance

by Louise April 30, 2008

…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 [...]

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Genetic Testing Anti-Discrimination Law

by Louise April 28, 2008

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 [...]

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Midwifery Care Is Good For Health Insurance Carriers

by Louise April 25, 2008

…in Colorado there is no such thing as home-birth coverage on individual policies. In fact, there are only a handful of health insurance carriers in Colorado that offer maternity coverage on individual policies at all, and for most people, the coverage provided isn’t worth the extra premium [...]

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Kaiser Permanente Provider Change for Boulder/Longmont Area

by Jay April 24, 2008

Effective June 1, 2008, Boulder Valley Individual Practice Association (BVIPA) and the Longmont Clinic will no longer participate in the Kaiser Permanente Private Healthcare Systems (PHCS) provider network. PHCS is the provider network available to Kaiser Permanente Preferred Provider Organization (PPO) and Point of Service (POS) members in Colorado. Kaiser says [...]

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Smoking Can Be Hazardous To Your Career

by Louise April 23, 2008

Whirlpool has suspended 39 employees for lying about tobacco use, and the employees could face termination once their cases are investigated by the company. At the Colorado Health Insurance Insider, we’ve written about wellness programs that are becoming more common among large employers, and about our disappointment that the DOL is starting to consider wellness [...]

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50th Cav and Student Health Insurance

by Jay April 23, 2008

These plans (even the ones not issued through MEGA Life & Health) offer the same misleading general information that most people don’t look much beyond – a low deductible, 80/20 coinsurance, copays for doctors visits and Rx, and even maternity coverage. Check out the plan information for Colorado State University (CSU) and Colorado University (CU) [...]

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Dr. Val Has the Latest Grand Rounds

by Jay April 22, 2008

Dr. Val and the Voice of Reason put together the latest edition of Grand Rounds and did an excellent job. Take a look. -Jay

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Colorado HB1389 Needs Some Work

by Louise April 21, 2008

Health insurance premiums in Colorado have been rising far more than wages for years. Jay and I pay more than twice as much now for our high deductible health insurance policy compared with what we were paying five years ago. We talk with clients all the time who are considering going without health insurance because the premiums [...]

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Taking a Closer Look at Colorado HB 1389

by Jay April 18, 2008

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 [...]

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