More Americans Skipping Medical Care

[...] Copays and deductibles have risen for most families over the last few years, even those who don’t have policies that qualify as high deductible. And at the same time, economic stability has decreased for most families. This isn’t a good combination, and Joe’s right about the fact that when people skip necessary routine medical care, it will likely lead to increased medical costs (and declining health) in the future.

Money For Health Insurance Premium Increase Reviews

[...] Colorado will get $1 million to use for more extensive review of future rate increases, and the Division of Insurance has proposed hiring more analysts and actuaries to examine the data that is filed each year by the insurance carriers. The rate proposals will get more scrutiny, which is a good protective measure for consumers. But insureds could still see hefty rate increases thanks to the ever-increasing cost of health care. [...]

Early Retiree Reinsurance Program Proving Very Popular

Earlier this summer, HHS announced that businesses could begin submitting applications to the newly-created Early Retiree Reinsurance Program in order to receive federal funding to help pay for retirees’ health insurance until they become eligible for Medicare. To date, 2000 businesses have been approved for the program, and HHS Secretary Kathleen Sebelius says that this is just the beginning. Businesses have shown great interest in the reinsurance program… [...]

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Not Many Details Yet On Maternity Coverage In Colorado

[...] We still have several months left in 2009 for regulators and insurance companies to work out the details, and I’m sure we’ll know more by the end of the year. When you combine this with the new Colorado law banning gender rating on health insurance policies, and the myriad of reforms coming from the federal government, I’d say that health insurance regulators in Denver are going to have their hands full for a while.

Eligibility For Colorado State Mandated Basic And Standard Plans

[...] All individual health insurance applications in Colorado ask a set of questions to determine if the applicant qualifies as a group of one. If the applicant does, and is declined for the individual coverage, the insurance carrier must offer group of one coverage instead (although it will be significantly more expensive than the individual policy). If the person does not meet the definition of a group of one, he or she will be sent a notice by the insurance carrier regarding eligibility for Cover Colorado.

Money For Health Insurance Premium Increase Reviews

[...] Colorado will get $1 million to use for more extensive review of future rate increases, and the Division of Insurance has proposed hiring more analysts and actuaries to examine the data that is filed each year by the insurance carriers. The rate proposals will get more scrutiny, which is a good protective measure for consumers. But insureds could still see hefty rate increases thanks to the ever-increasing cost of health care. [...]

Not Many Details Yet On Maternity Coverage In Colorado

[...] We still have several months left in 2009 for regulators and insurance companies to work out the details, and I’m sure we’ll know more by the end of the year. When you combine this with the new Colorado law banning gender rating on health insurance policies, and the myriad of reforms coming from the federal government, I’d say that health insurance regulators in Denver are going to have their hands full for a while.

Three Of The Top Insurers Extending A Hand To Young Adults

Three of the nation’s top health insurance carriers – Wellpoint, United Healthcare, and Humana – have announced that they will automatically keep young adults under the age of 26 on their parents’ policies between now and September 23, when the health care reform legislation guarantees this option for all everyone under the age of 26. [...]

Colorado Division Of Insurance Reconsidering Anthem Rate Increase

[...] But these numbers would seem to indicate that while Anthem’s rate increase may have been large, it seems to be in line with what other carriers are charging in Colorado. For the little test I conducted, Anthem’s premium was the second-lowest I found, and the only one with a lower premium had an additional thousand dollars in out of pocket exposure.

Not Many Details Yet On Maternity Coverage In Colorado

[...] We still have several months left in 2009 for regulators and insurance companies to work out the details, and I’m sure we’ll know more by the end of the year. When you combine this with the new Colorado law banning gender rating on health insurance policies, and the myriad of reforms coming from the federal government, I’d say that health insurance regulators in Denver are going to have their hands full for a while.

Health Insurance Carriers Continuing To Improve

A year ago I wrote an article about how health insurance companies were generally doing a better job in 2008 of paying claims faster and denying fewer claims than they did in 2007. The annual Athena Health study results are now out for 2009, and overall there was another significant increase in the speed with which health insurance companies paid claims (7 days faster than in 2008) and a decline among most payers in terms of the percentage of claims denied. [...]

Colorado Division Of Insurance Reconsidering Anthem Rate Increase

[...] But these numbers would seem to indicate that while Anthem’s rate increase may have been large, it seems to be in line with what other carriers are charging in Colorado. For the little test I conducted, Anthem’s premium was the second-lowest I found, and the only one with a lower premium had an additional thousand dollars in out of pocket exposure.

Complaint Ratios Updated With 2008 Data

The Colorado Division of Insurance has finished compiling and organizing the data for 2008. 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 [...]