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Colorado Health Insurance Insider

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COBRA

COBRA Subsidies Coming To An End

August 25, 2011 By Louise Norris

[…] The subsidy program was extended to help people who were involuntarily terminated on or before May 31, 2010, and allowed them to receive up to 15 months of COBRA premium assistance. For most people who qualified for the subsidies, the 15 months has already ended. But for the last people who qualified – those who were laid off in the final days of May, 2010 – the 15 months of premium assistance will come to an end next week. […]

Filed Under: COBRA, Health Care Reform

Continuous Coverage Does Not Eliminate Underwriting

June 7, 2010 By Louise Norris

[…] People with pre-existing medical conditions can get guaranteed issue coverage through Cover Colorado, but are definitely not “guaranteed access to the individual market”. When a person with pre-existing conditions applies for an individual policy in Colorado (and in most other states), the insurance company can deny the application, place exclusions on the pre-existing conditions, or offer the policy at a higher initial rate based on medical history. It doesn’t matter whether the applicant has had continuous coverage or not. […]

Filed Under: COBRA, Individual/Family Health

Some People Already Pay Too Much Of Their Own Costs

June 16, 2009 By Louise Norris

[…] I know that a lot of our clients in Colorado request HSA qualified plans, mainly because the premiums tend to be lower. But the perspective probably looks a whole lot different if you’re not only funding your own HSA and paying for your own high deductible health insurance, but also facing the prospect of meeting that deductible year after year.

Filed Under: Group Health, HSA, Individual/Family Health

Many Laid Off Workers Not Getting COBRA Assistance

April 29, 2009 By Louise Norris

[…] People who worked for a company that went out of business or stopped offering health insurance won’t qualify, because there won’t be a health insurance policy for them to opt to continue via COBRA. In addition, people who were laid off from small businesses might not qualify if their state doesn’t have a “mini-COBRA” law allowing these workers to continue coverage […]

Filed Under: COBRA, Group Health, Health Care Goodies, Individual/Family Health

Audits For Medicare Providers

February 19, 2009 By Louise Norris

[…] most doctors are trying to provide the best possible care for their patients and simply get paid for what they do. Medical billing is fraught with complications and headaches. To eliminate mistakes, it seems that making the billing system less complicated would be a better solution than audits. […]

Filed Under: Medicare, Providers

Stimulus Aims To Help Laid Off Workers Retain Health Insurance

February 17, 2009 By Louise Norris

[…] The number of Americans without health insurance is already way too high. And since most people get their health insurance from an employer, the rising unemployment numbers were sure to drive the number of uninsureds higher. Hopefully the stimulus bill will help to mitigate the problem for at least the rest of this year.

Filed Under: COBRA, Group Health, Health Insurance Reform, Individual/Family Health

COBRA Only Helps If You Can Afford It

February 10, 2009 By Louise Norris

[…] Most people just can’t afford COBRA premiums. In Colorado, unemployment hit 6.1% in December. I’ve seen conflicting reports about the stimulus bill and whether the final version will contain relief for unemployed Americans struggling to pay for health insurance. Without it, the number of uninsureds will likely be higher this year than ever before.

Filed Under: COBRA, Individual/Family Health

Combining Public And Private Health Insurance

November 7, 2008 By Louise Norris

For the seventh straight year the percentage of Americans under 65 with employer-sponsored health insurance coverage has declined. In Colorado, the number of people getting health insurance through an employer dropped 6.5% over the last seven years, resulting in […]

Filed Under: Health Insurance Reform, Medicare

Guest Blogger – Concerns About Health Insurance

October 29, 2008 By Jay Norris

Today’s Guest Blogger is J.A., an RN, who submitted via our “Be A Guest Blogger” page:
I am paying COBRA, health and dental at $640. per month. I am a nurse, recently diagnosed with cystic fibrosis (CF) at age 50, this year. Cobra is 18 months with 11 month extension. I was informed I have to exhaust COBRA timeline before being eligible for Cover Colorado […]

Filed Under: COBRA, Denver, Health Insurance Reform, Open Mic

Employers And Health Insurance Don’t Need To Mix

May 30, 2008 By Louise Norris

What if every Colorado resident could be covered by a range of health insurance plans similar to what is available today in the group and individual market, but without any employer affiliations required? People would be covered continuously, regardless of their employment situation, and would not be trapped in a job just for the health insurance benefits […]

Filed Under: COBRA, Group Health, Health Insurance Reform, Individual/Family Health

Expansion of the State Children’s Health Insurance Program

September 10, 2007 By Louise Norris

New York applied to the federal government recently to expand their State Children’s Health Insurance Program to more families, and the request was denied. SCHIP was designed to provide state and federal subsidies to provide health insurance for children in low income families – an admirable project. Last month, federal guidelines were changed to “refocus… Read more about Expansion of the State Children’s Health Insurance Program

Filed Under: COBRA, Policy

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