We got a notice in the mail yesterday from Humana, one of the health insurance carriers we represent in Colorado. They have revised their definition of complication of pregnancy to include cesareans, but not elective cesareans. I was very pleased to see this, and I’m glad that Humana is differentiating between the two. Obviously someone who schedules a c-section […]
colorado
Hospitals Are Not Doing Enough To Support Breastfeeding
according to a newsletter published by the Colorado Breast Feeding Task Force last fall, only one in five breastfeeding Colorado mothers had a hospital experience that exclusively promoted breastfeeding […]
HR 6210 Won’t Solve The Problem For Small Groups
We frequently get calls from employers here in Colorado who have three or four employees and would like to offer health insurance. But when they find out that the premiums are going to be a few thousand dollars a month, they realize that there is no way they can fit health insurance into their budget. Pooling together with other small businesses will help, but not […]
Number Of Underinsureds Rising Rapidly
While an employee at a big company might consider $500 to be a high deductible, the majority of our individual health insurance clients in Colorado choose deductibles between $2000 and $5000, in order to keep the premiums down. That same employee at the big company may only be paying a few dollars a week for health insurance (with the employer paying […]
Mandatory Health Insurance Not Likely
In Colorado, two of the top five proposals being considered last year by the Blue Ribbon Commission included mandatory health insurance, and they’ve done it in MA – residents there are currently paying fines if they don’t have health insurance in place. But with Clinton out of the race, nationwide mandatory health insurance isn’t likely to come to […]
Preventing Diabetes
Now researchers in a long-term study have found that a healthy lifestyle followed for six years continues to lower the risk for developing type 2 diabetes for another 14 years. That’s a pretty impressive result. Here in Colorado, nearly 221,000 people have diabetes […]
Colorado HB1389 Passes House And Senate
HB 1389, the Fair Accountable Insurance Rates Act of 2008, has passed the Colorado House and Senate, and is headed to governor Bill Ritter for his signature next month. Health insurance companies doing business in Colorado will now be required to get approval from the state before enacting rate increases, and will have to disclose… Read more about Colorado HB1389 Passes House And Senate
More Regulation In Pharmaceutical Advertising
…drug industry has launched a huge advertising campaign – next time you’re watching TV, see how many ads go by before you see at least one for a prescription. The Colorado Health Insurance Insider has addressed this problem before, and it seems that lawmakers are starting to notice the impact that TV advertising of pharmaceuticals is […]
High Deductible Health Plans Are Popular In Colorado
A study conducted by America’s Health Insurance Plans (AHIP) shows that Colorado ranks fifth in the nation for health savings account and high deductible health plan membership as a percentage of the state’s total private health insurance population […]
Midwifery Care Is Good For Health Insurance Carriers
…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 […]
50th Cav and Student Health Insurance
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) […]
Colorado HB1389 Needs Some Work
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 […]
Dying For Health Insurance
We’ve all read the articles about how much more likely an uninsured person is to die from a treatable illness, compared with their insured neighbors. Now we have some concrete numbers. Families USA is a national organization for health care consumers, and today they released a very comprehensive state-by-state report showing how many people die… Read more about Dying For Health Insurance
Colorado Lawmakers Addressing Health Insurance Premium Increases
Colorado lawmakers have proposed legislation that would tighten restrictions on health insurance carriers regarding premium increases and the timeliness of claims payment. The bill to limit premium increases was sponsored by state representative Morgan Carroll (D), who cited a 60% increase in health insurance premiums in Colorado between 2001 and 2005. During the same time,… Read more about Colorado Lawmakers Addressing Health Insurance Premium Increases
When The Lottery Becomes A Matter Of Life And Death
In OR, over 91,000 people have signed up to be included in a lottery that the state is holding to fill 3,000 available slots in their state health plan. The plan is low cost (zero to $20 per month) and provides health and dental benefits to people that would otherwise be uninsured. For the 3,000… Read more about When The Lottery Becomes A Matter Of Life And Death
Lower Share Prices For Humana And Wellpoint
Humana and Wellpoint – both major players in the Colorado health insurance market – lowered their 2008 earnings projections on Wall Street this week. In both cases, higher-than-expected claims volume is partially to blame. Humana’s earnings drop is mainly tied to claims with their Medicare prescription drug program, which the company says will reset after… Read more about Lower Share Prices For Humana And Wellpoint
No Out Of State Health Insurance For Colorado Residents
The Colorado House of Representatives rejected a proposal yesterday that would have made it possible for Colorado residents to buy health insurance from out-of-state carriers not licensed in Colorado. The vote was close, but failed 6-5 in the committee meeting. I think that the state-by-state system of health insurance in this country is ridiculous, considering… Read more about No Out Of State Health Insurance For Colorado Residents
Mental Health Coverage on Health Insurance Policies
The House voted last week to require health insurance companies to provide equal coverage for mental and physical health on policies that cover both types of illness. This is heralded as a big step forward by mental health advocates, but it will also place a strain on health insurance carriers, policy-holders who pay their own… Read more about Mental Health Coverage on Health Insurance Policies
Newspapers Support "Free Market" Health Care Reform
I just came across an interesting article by Michelle Swenson at the Health Blog. The gist of the article is that the two major Colorado newspapers – the Rocky Mountain News and the Denver Post – consistently presented a skewed view of the health care reform proposals that were evaluated over the last year by… Read more about Newspapers Support "Free Market" Health Care Reform
More Transparency For Network Negotiated Prices
When Jay had an MRI on his knee last month, we were charged $1200. The EOB tells us that the Vail Valley Medical Center in Vail, Colorado, charges $1600 for the procedure. Our Humana health insurance has a negotiated rate of $1200, which is what we paid (we hadn’t met the deductible yet, so we… Read more about More Transparency For Network Negotiated Prices
Health Insurance After Infertility Treatment
I just read a post by ForHealth about infertility treatment and individual health insurance. Her experience is one we’ve seen with some clients over the years. She went through fertility treatment – Clomid, in this case – which was unsuccessful. Three years later, she applied for an individual health insurance policy and was declined. The… Read more about Health Insurance After Infertility Treatment
Maybe The Big Picture Should Be About More Than Money
So it turns out that losing weight won’t save health care dollars. But it will make you live longer. A Dutch study has concluded that lifetime health care costs are actually higher for normal-weight, non smokers than for their peers who are obese or who use tobacco. But what about health care dollars per year… Read more about Maybe The Big Picture Should Be About More Than Money
HSAs Only Help If You Fund Them
Jay and I are in Vail, Colorado this week, getting his knee fixed at the Steadman|Hawkins clinic at Vail Valley Medical Center. The surgery on Monday went great – far better than we had expected. His physical therapy is going very well too – they’re seeing him twice a day this week and I’m going… Read more about HSAs Only Help If You Fund Them
Health Insurance Choices – Emotions Versus Reason
Amy Gillentine has written an article for the Colorado Springs Business Journal that points out many of the current concerns and confusion surrounding our health care system. When it comes to open enrollment for employer-sponsored plans, she sums it up clearly: Choosing among options for health insurance is often an emotional — rather than practical… Read more about Health Insurance Choices – Emotions Versus Reason
Nearly One In Three Without Health Insurance In Colorado
At Colorado Health Insurance Insider, we have written many times about the number of uninsured Coloradoans. Turns out that there are a lot more people in that group than most estimates show. The US Census Bureau estimates that there are 758,800 people in Colorado without health insurance (this is the number that we typically see… Read more about Nearly One In Three Without Health Insurance In Colorado