Archive for October, 2012

Presidential Debate Tackles Health Care

October 4th, 2012

President Obama and former Governor Romney had a very heated debate last night in Denver.  Many topics were covered, including economy, tax codes, and government regulation.  However, perhaps the most heated and important topic discussed was about the health care reform and the future of health care.  President Obama of course backed up his plan that he put in place over two years ago.  He sited many benefits of the reform, such as no pre-existing condition clause and no lifetime maximum.  Mitt Romney actually passed a similar plan on the state level.  When he was governor, he passed a reform similar to what Obama passed on the federal level.  The main topic that was debated though was about state versus federal regulation when it comes to health care.

Mitt Romney wants states to take control and have the freedom to implement strategies and reform as they see fit for their state.  President Obama thinks that the federal government should have the ultimate control.  The both went back and forth, talking about control and power.  Also, health care costs was also at the forefront.  Romney maintains the position that the reform passed by Obama will make health insurance premiums rise and make it even more unaffordable for Americans to purchase health insurance.  President Obama wants the health insurance exchanges to be a foundation for competition, which he thinks will ultimately drive down the price of health insurance.  There are two more debates left before the election.  Many issues, including health care reform, wait in the balance.

What Is The Difference Between Anthem Blue Cross And Blue Shield?

October 1st, 2012

In California, Anthem Blue Cross and Blue Shield are actually different companies and are competitors.  In most other states, they are the same company and formed an association, the Blue Cross Blue Shield Association.  Anthem Blue Cross is a for profit company in California, and Blue Shield is a non-profit.  Both insurance companies have large networks and very good doctors.

Anthem Blue Cross does more volume in California than Blue Shield does and they have more members.  Also, the network of hospitals and doctors is the largest under Anthem Blue Cross.  Ous website, sells more Anthem Blue Cross plans than any other carrier.  That being said, many other carriers have strong plans and networks – Blue Shield, Aetna, Cigna, Healthnet, and Kaiser.  Depending on what types of benefits you want and how much you want to spend, picking a carrier will become easier once you narrow down the options.