Archive for October, 2011

Democrats See Decrease In Support For Healthcare Law

October 28th, 2011

As the elections get closer for the new presidential office, Democrats see their support going down for the health reform laws passed in 2010.  Many Republicans are trying to repeal the law even before they take office.  Countless states have tried fighting the reform laws in the state courts, claiming that the new legislation is unconstitutional.  More than half of Americans view the law unfavorably after a recent poll in October.  Only 34 percent view the health reform laws favorably

Even among Democrats, only 52 percent view the law beneficial and say that some good will come out of it.  This is a big concern for Democrats, especially as the elections get closer.  Democrats were hoping that people would realize the good the reform laws has been doing for the past year.  It has helped many seniors with getting them better care, and also getting Americans better prescription drugs benefits on their health insurance plans.  We still have to wait and see if the health reform laws will actually make health insurance more affordable.

What Is A Deductible?

October 27th, 2011

When buying individual health insurance in California, you will come across many plans and different types of benefits within each plan.  Most people make a decision on which health insurance to get by looking at the monthly premium and seeing what they can afford.  Of course in the real world, this makes sense.  However, it is important to also look at the benefit details to make sure you will not be paying too much when you start to use your health insurance coverage.  For instance, a big factor in determining the monthly premium is the deductible amount.  Usually, the lower the deductible, the higher your monthly premium will be. 

Deductible in health insurance is the amount of money you must meet before the health insurance carrier will start covering benefits.  The deductible usually is not included in office visits or prescription drugs, but it is in everything else.  For example, if your plan has a $1,000 deductible, then that is the amount that you must pay first before the insurance carrier will help.  Medical services such as labs, blood work, outpatient services, etc., are what eats into your deductible.  If your a relatively healthy person, then maybe considering a mid-level or higher deductible will save you money.

Drinking Coffee Lowers Risk Of Common Skin Cancer

October 26th, 2011

Coffee drinkers, especially women, have a lower risk of getting skin cancer than those who do not drink coffee.  Scientists found that those who drink three or more cups of coffee per day have a 20 percent lower risk of getting the most common form of skin cancer.  Men who drink that same amount have about a 9 percent lower risk of getting skin cancer.  The most common form of skin cancer that has a lower risk after drinking coffee is basal cell carcinoma, or BCC.  It is a very common form of skin cancer, about 1 million new cases of BCC are discovered every year

The study looked at more than 700,000 women and men who were followed for over 20 years.  The results definitely showed a decrease risk of getting the skin cancer.  Although, experts do point to the fact that increasing coffee consumption has other health issues that people should be aware.  Increasing coffee consumption is not for everyone and every body type.

Individual Health Insurance Market

October 25th, 2011

Many people are starting to get individual health insurance recently.  The majority of people that are purchasing health insurance have recently come off their group health coverage because they have either been laid off or fired.  The individual health insurance market has been increasing in volume, especially in the last few years.  With the economy continuing to struggle, experts think that their will be no slow down in applications in the near future.

Individuals and families that apply for individual health insurance coverage have to also worry about getting approved.  They did not have that problem when they got health insurance through their employer.  The process was much simpler and painless.  On the individual side, a health insurance carrier will take medical history into consideration when they apply.  If their has been a lot of claims and they forecast that more claims will come in, then the carrier may deny the application.

Advantages Of Having Group Health Insurance

October 20th, 2011

Many employers are seeking ways to provide health insurance to their employees.  As opposed to individual health insurance, group health insurance is not subject to individual underwriting.  If you have less than 51 employees in your company, each employee is given a rating based on their home zip code and age.  If your company has more than 51 employees on the health insurance plan, then the company as a whole is underwritten.  What that means is that individual employees do not have to worry about pre-existing conditions and getting denied because of it. 

When applying for individual health insurance, pre-existing conditions and medical history play a big role in the decision of approval.  Many consumers get denied for individual health insurance because they do have some conditions that health insurance carriers do not like.  However, their are high risk pools that individuals can still get health insurance in California on an individual basis.

Doctors Increase Age Range For ADHD Diagnosis

October 19th, 2011

According to the new guidelines released by the American Academy of Pediatrics, children as young as 4 years old can be diagnosed and treated for attention deficit hyperactivity disorder, or ADHD.  For the past ten years, the guidelines stated that diagnosis started at age 6 for children.  Now that the age range has changed, doctors are pushing to become more aware of the disorder and how to better diagnose it moving forward.

Additionally, their is research by doctors that recommend pushing the age range up to 18 years old.  The evidence, doctors claim, will support this new proposed age range and will help make the process of fighting the disorder faster.  ADHD is the most common neurological disorder in children.  About 1 out of 10 children are diagnosed with the disorder every year.  Children will benefit from this new guideline as it will help them get help when they are diagnosed earlier in life.

What Is Important When Buying Health Insurance?

October 18th, 2011

Their are many factors to consider when purchasing health insurance.  Many people just focus on the monthly premium cost as their main factor.  However, benefit coverage, especially if your not the healthiest person, is also very important to research.  Their are many different benefit coverages that drive costs under a health insurance plan.  For instance, deductible is an important number to look at when purchasing health insurance.  Deductible is the first amount of money that a consumer has to pay before the health insurance carrier will start to contribute towards the medical services.  Doctor visits are usually excluded from the deductible, but everything else such as blood work, labs, x-rays, etc. are not excluded. 

Also, prescription coverage is a huge cost when talking about health care.  Consumers have to make sure to see what the coverages are for drugs before they buy.  If prescription drugs is something you take on a monthly basis, then make sure to select a plan that has a low brand deductible.  Other coverages such as hospital and ER visits are important to consider.  Make sure to read the full benefit summary before you make your final decision.

Do Health Insurance Carriers Raise Rates?

October 17th, 2011

Many people ask when does a health insurance carrier raise rates on my current plan.  The answer is not always consistent.  Health insurance carriers can raise rates whenever they like when you get a health insurance policy.  However, it is not likely that it will be done within a year.

Typically, the reason health insurance carriers raise rates is when your region that you live has a rate increase.  It is usually based on the geographic region where you live.  That being said, it is still not suprising that health insurance carriers are raising rates in an effort to keep up with the rising cost of health care.  Today, the health reform is trying to make health insurance more affordable for consumers.  The reform is also trying to make the process of getting health insurance as easy as possible.  By 2014, the health insurance exchange should be up in each state so consumers can have a easy place to compare plans and save money.

Getting Dental Insurance For Your Company

October 14th, 2011

Getting group dental insurance for your employees usually goes along with providing the medical insurance.  Many employers offer medical, dental and vision coverage as a package to their employees.  Their are some options on the way you can provide dental insurance.  Employers have the option, unlike medical insurance, to make it a voluntary plan.  Meaning, if you offer a voluntary plan, employee can take advantage of group dental rates but have to pay the entire reduced premium.

This is a great way companies can offer benefits to their employees but also not increase expenses to the bottom line.  With medical insurance, a company has to contribute towards the monthly premium in order to qualify for group health insurance.  Carriers are a little different when it comes to dental insurance.  Since benefits are not as expensive and used as much as medical insurance, the premiums and the flexibility is much better.

Can You Cancel Individual Health Insurance?

October 13th, 2011

The answer is yes.  When you apply for individual health insurance, their is no contract that you sign.  In fact, you can cancel individual health insurance anytime.  Carriers know that some people will get health insurance right before a known event where they might need coverage, and then cancel the health insurance right after.  This is the risk that a health insurance carrier takes when enrolling some individuals.

Each application that a health insurance carrier looks at will take on a certain amount of risk.  They will pull medical records to see the history of the applicant.  However, history will only tell you so much.  From the applicants standpoint, it is very advantageous to have this flexibility.  Consumers are not required to hold onto the health insurance more than they might need it.  And, if they are having money issues, canceling the health insurance is an option.

Fruits And Veggies Can Help Outwit Bad Heart Genes

October 12th, 2011

According to a recent study out of Canada, scientists have discovered that a good daily dose of fruits and veggies can actually help reduce the risk of heart problems.  Researchers wanted to figure out if environment or genes played a larger role in heart disease.  They studied a group of over 27,000 people.

The scientists studied the genetic variants that are known to cause heart disease and the effects of eating healthy fruit and veggies on the group.  The results showed that the risk of heart disease actually does decrease for the group studied.  The people that were studied were asked a series of questions and were also tracked along a ten year period.  After seeing the effects of the fruit and veggie eating group, researchers are convinced that healthy eating will help combat the genetic variables that cause heart disease.

Covering Autism Through Health Insurance

October 11th, 2011

Autism is been getting more attention lately because parents are becoming more educated on this disease.  Many parents who have autistic kids have been struggling to get treatment because it can be so expensive.  Their are some state programs that help pay for behavioral therapy to treat kids but that is not easy to come by.  Parents have long been asking the government or who will listen for help in treating this disease.  Governor Brown was listening.  Starting in July 2012, Autism and the necessary treatment that goes with it will be covered under most health insurance plans.  This is a big relief for millions of parents and kids around the world.

Opponents of the measure passed by Governor Brown say that the increased coverage will just drive health insurance premiums even higher.  And that this will put more pressure on companies trying to offer health insurance to their employees.  Given that the health reform will take full effect in 2014, many are wondering what will truly happen to the affordability of health insurance.

Pre-existing Conditions In Group Coverage

October 10th, 2011

The best part of getting group coverage from your company, especially if you have less than 51 employees, is that pre-existing conditions usually does not come into play.  When consumers are applying for individual coverage, they always have to worry about their current health and their medical history.  Many people get denied individual health coverage because their health history is not to the carrier’s liking. 

In group health insurance, it is completely different.  Insurance carriers will give insurance coverage to employers and not take pre-existing conditions into consideration.  This is a big advantage for people that are apart of companies that offer health insurance.  They do not have to go through medical underwriting, they do not have to provide their health history, and they do not have to get a physical.  Group coverage is always a better option for health insurance.

Purchasing Group Health Insurance

October 7th, 2011

Purchasing health insurance for your company is a lot different than buying health insurance on an individual basis.  Unlike individual health insurance, group health insurance usually does not have an underwriting process to see if you qualify for coverage.  Since the risk is spread across many people, insurance carriers do not individually look at each employee to see if they are severely unhealthy.  However, with that comes some necessary hurdles that companies need to meet.

Health insurance carriers require that a certain percentage of employees participate in the health insurance plan, that way the carriers can protect themselves.  Also, employers have to pay a portion of the premium so the company has some skin the game.  You can get quotes for group health insurance online, but buying group insurance online does not exist.  There are some company information that the carriers need to prove eligibility.  Please visit to learn more about group health insurance.

Buying Individual Health Insurance

October 6th, 2011

These days purchasing individual health insurance has never been easier.  In the past, the only way you could get health insurance from carriers such as Anthem Blue Cross was to call them directly.  While that is certainly an option today, many are using the internet to purchase health insurance for themselves and their family.

Through our website,, you can compare all the health insurance plans available in the market and compare benefits and prices so you can make an educated decision about your health insurance.  Through our quoting engine, purchasing health insurance has never been easier.  Simply click on the detail button on each individual quote to learn even more about the benefits of that particular plan.  Also, you can compare full benefit details side by side so everything is clear cut.  Please click on the links above to learn more.

Supreme Court To Review California Medicaid Cuts

October 4th, 2011

It was announced on Monday that the Supreme Court was deciding on whether Medicaid recipients and medical providers could sure California for cutting reimbursement rates.  California announced a couple of years back that they were planning to cut Medicaid payments to doctors, hospitals and other health care providers and it would save over $700 million. 

Medicaid is a large portion of the spending a state does per year.  It roughly accounts for about 33 percent of state spending per year.  Medicaid covers about 55 million people through their health insurance program.  Many experts are worried that these excessive reimbursement cuts will effect health care and the quality of service people receive.  The Obama administration is looking very closely at this potential case and analyzing all the risks that California might be absorbing.

Health Insurance Benefits

October 3rd, 2011

It is important to realize that when purchasing individual health insurance that the premium per month is not the only thing you should consider.  Their are many elements of a health insurance plan that are important and that you should take time to research.  For instance, what comes of your pocket first outside of doctors visit is the deductible amount.  This figure is very important because it drives how much you will probably spend per calendar year outside of your monthly premium.  Usually, the lower the deductible the higher your monthly health insurance premium will be.

Also, prescription drug benefits are extremely important to look at if that is something you need on a monthly basis.  Many health insurance plans have brand deductibles that you have to meet before you start paying your prescription drug co-pays.  On some plans, the brand deductibles can be as high as $7,500.  That basically means, that you will have to pay full cost for all your prescription drug benefits.  Here are some other factors to consider when considering which health insurance plan to choose.