Grand Rounds 2.52

Tundra Medicine Dreams has posted the most beautiful Grand Rounds I’ve ever seen.  It’s a great collection of healthcare related blog posts and includes Louise’s article on ultrasounds. Among some of my favorites: Tara Smith of Aetiology discusses the recent E. coli outbreak from packaged spinach, a recent study on the association between diet and Alzheimer’s at the […]

Preventative Care on Individual Health Insurance

We’ve all heard the adage that an ounce of prevention is worth a pound of cure, yet it often seems that most people ignore this advice.  Otherwise people would not be dying from smoking-related cancers and the plethora of illnesses caused by obesity.  It’s easy to say that these are personal problems and that people […]

End of an Era

Anthem Blue Cross Blue Shield of Colorado has come out with new non-group health insurance applications.  On the previous applications, they only requested medical history information from the previous 5 years.  This week, they increased that amount of time to 10 years “so the underwriting department can appropriately assess risk for certain medical conditions.”  Now, […]

Ultrasounds and pregnancy… too much of a good thing?

There is no doubt that over the last few generations, vast amounts of research has been done in the area of obstetrics; modern medicine seems to be able to work miracles when it comes to the care and safety of high-risk mothers and babies, both during and after pregnancy. Babies born 3 months early have […]

To Make a Short Story Long

In my last post, I discussed a survey from the Commonwealth Fund.  It found that 89% of people who’ve sought health insurance in the last 3 years weren’t able to get anything – most of them couldn’t afford the premiums.  I thought this sounded a little funny. America’s Health Insurance Plans (AHIP) shows conflicting information based on detailed […]

Do We Expect Too Much from Health Insurance?

A recent study reports that out of 1,878 people age 19 to 64 polled by telephone, 89% of those who were seeking to buy health insurance in the last 3 years did not do so. “One in five people were turned down or charged a higher premium for individual insurance because of an existing medical condition. […]

Why We Don’t Sell Discount Health Plans

A good reason that I sell health insurance for all of the top carriers in Colorado is because I’m not a very good “salesperson”.  I understand the in’s and out’s of all of the different plans and all of the variables affecting coverage like stability of the companies, underwriting, and how they do rate increases.  […]

Health Insurance – Another Reason to Quit Smoking

In case you needed another reason to ditch your ashtray… Did you know that smokers pay more for their health insurance than non-smokers, if they have to get an individual/family policy? If you’re currently covered on a group plan through your employer, you may not have given this much thought over the years. But what […]

Feelin Lucky? Read Cavalcade of Risk #8

Proper risk management techniques can enhance anybody’s luck.  Today, we have very informative articles to help us grasp proper implementation of each step of the risk management process.  Wikipedia offers us more detail about the specifics of the process.  After reading this article, you’ll have a better understanding of financial risk management, which “focuses on risks that […]

United Healthcare of Colorado on Out-of-Network Policy

I’ve been getting a few calls from people asking me about the article “When Choice of Doctor Drives Up Other Bills” in the New York Times yesterday. The article is about Irene Greco’s health insurance claim, who is insured by Oxford Health Plans in New York. She had her operation at a hospital that was […]

More Help for Colorado Uninsured

CoverColorado Offers More Discounts  Many people in Colorado go without health insurance because they have a pre-existing condition that prevents them from getting an individual/family policy.  Individual plans are so inexpensive because they perform underwriting and won’t cover pre-existing conditions; they will also decline people with more serious health conditions.  There are many of these people […]

Cavalcade of Risk coming on Wednesday

On Wednesday, we will be highlighting some of the best blog posts about risk in the Cavalcade of Risk.  If you know of any good blog posts about risk, submissions are due Wednesday morning by 8am.  For more information on how to submit a post, visit the C of R page. And if you haven’t done […]

Women Are A Better Risk

I think that guy in the pink shirt knows the guy on the bike isn’t gonna make it!!

Health Insurance Is A Different Business

United Healthcare let their contract lapse with HealthOne because they wanted to “keep premiums affordable”. “We still feel as strongly as ever that if we accepted a rate increase they are asking for, that would be directly opposed to our objective of making health insurance affordable in metro Denver.” Even a single-digit increase “will price […]

Caz Matthews Comes Back to Denver

Caz Matthews led Anthem Blue Cross Blue Shield of Colorado as President from 1999 to 2005.  In that time, she turned around the company from having unorganized customer service and a sinking financial outlook.  After the merger of Anthem Inc. and WellPoint,  Caz left Colorado to lead Blue Cross Blue Shield of Georgia; which was […]

Help With Excluded Medications

In the last few days, I’ve had a large number of people sign up for underwritten individual/family policies knowing they’re going to have an exclusion on a medication they’re currently taking.  They would pay 2 to 5x more in premiums compared to the cost of the medication to get a guarantee issue “group” policy like Cover Colorado.  […]

We’ve Moved From Blogspot

We’ve moved the Colorado Health Insurance Insider from Blogspot to our own server so we can have more control over the content of the blog an make it a more enjoyable experience.  You’ll still be able to see our previous blog posts from August 9, 2006 through September 7, 2006 at