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Archive for February, 2010

The Federal Government Wants to Mess with Texas

Thursday, February 25th, 2010

texas health insuranceThe Dallas Morning News recently reported that President Obama has proposed for the federal government to regulate all health insurance premiums in an effort to regulate price increases. With Texas health insurance and other states’ premiums continuing to increase as more and more people become uninsured, this proposal suggests that the federal government should review all premiums in order to stop cost increases the government believes are unnecessary. Though price increases must be addressed, should the federal government be the final arbiter of health insurance premiums?

In Texas, the Department of Insurance does not routinely review health insurance premium increases unless a complaint is brought before them. Therefore, it’s argued that Obama’s proposal could protect many insured citizens from unnecessary and inflated health insurance premium costs.  However, each state differs in which health insurance carriers, plans, and benefits are available.  Paired with the fact that health insurance carriers are confined to only sell within state lines, how can the federal government adequately determine if a premium increase is unreasonable for the citizens of a particular state, much less regulate those that are deemed unreasonable?

Rather than spending more money on further regulation, how about some measures that would actually lower health insurance costs?  Measures like deregulating health insurance across state lines, so that market competition can naturally lower costs; or imposing tort reform to cut down on junk lawsuits, like we’ve done here in Texas; or increasing accessibility to health care, through more options like Texas health savings accounts and other consumer driven health plans that empower consumers to take control of their health care costs.

American health care reform cannot happen overnight, but until the right questions are asked, the wrong answers will continue to be proposed.

Cover Yourself! With Short Term Texas Health Insurance

Wednesday, February 24th, 2010

Many people find themselves in need of temporary or short term health insurance. Whether you are about to graduate, in-between jobs, recently unemployed, not yet eligible for a new employer’s coverage or coming to the end of your COBRA coverage, there are many reasons why short term Texas health insurance is the short term answer.

Short term health insurance is fairly inexpensive for healthy individuals, and you are still allowed the freedom to choose which doctor or hospital you prefer. Most short term health insurance plans offer a wide range of options, from very basic coverage to comprehensive coverage, usually with a moderately low deductible. These plans work like most individual Texas health insurance plans, covering doctor visits, hospital care, emergencies, surgery, lab work and more. And while they usually last from one to six months, most policies can be renewed for a total of 36 months.

There are many perks to obtaining short term health insurance. The application process is quick and easy, allowing most applicants to be covered within 24 hours. This quick turnaround also prevents the insured from having a gap in health insurance coverage, which is helpful when applying for future health insurance.

When life circumstances change, it is important to know what options are available when making decisions concerning your Texas health insurance. Short term health insurance might be the answer for you if you are:

Between jobs – If you’re between jobs, consider purchasing Short Term Medical. For about half the cost of COBRA, Short Term Medical offers next-day coverage to help you bridge the insurance gap.

Waiting for employer benefits – New employers often impose a waiting period before you’re eligible for health benefits. With Short Term Medical, you stay insured and can choose your own plan duration.

A temporary or seasonal employee – When your employment schedule is unpredictable, it’s difficult to maintain health coverage. Short Term Medical offers you prescription drug savings and flexible coverage options to suit your situation.

A new graduate – If you’ve just graduated, you’re probably no longer eligible for health insurance through a student plan or your parents’ plan. Short Term Medical is an affordable way to guard against unexpected medical bills until you secure permanent coverage.

10 health care reform ideas for Obama

Friday, February 12th, 2010

health care reformRecently President Obama said he wants to meet with both Democrats and Republicans to sift through the best health care ideas from both sides.  He challenged Republicans—who to this point have opposed Obama’s health care bill—saying, “if you have a better idea, show it to me.”  In an attempt to answer the call, former Speaker of the House Newt Gingrich and John Goodman, CEO of the National Center for Policy Analysis, laid out ten ideas for Obama to consider in a recent Wall Street Journal op-ed.

The WSJ article begins by stating that “the best ideas out there are not those that were passed by the House and Senate last year, which consist of more spending, more regulations and more bureaucracy. If the president is serious about building a system that delivers more quality choices at lower cost for every American, here’s where he should start:”

Make insurance affordable – The current taxation of health insurance is arbitrary and unfair, giving lavish subsidies to some, like those who get Cadillac coverage from their employers, and almost no relief to people who have to buy their own. More equitable tax treatment would lower costs for individuals and families. Many health economists conclude that tax relief for health insurance should be a fixed-dollar amount, independent of the amount of insurance purchased. A step in the right direction would be to give Americans the choice of a generous tax credit or the ability to deduct the value of their health insurance up to a certain amount.

Make health insurance portable – The first step toward genuine portability—and the best way of solving the problems of pre-existing conditions—is to change federal policy. Employers should be encouraged to provide employees with insurance that travels with them from job to job and in and out of the labor market. Also, individuals should have the ability to purchase health insurance across state lines. When insurers compete for consumers, prices will fall and quality will improve.

Allow doctors and patients to control costs – Doctors and patients are currently trapped by government-imposed payment rates. Under Medicare, doctors are not paid if they communicate with their patients by phone or e-mail.  Medicare pays by task—there is a list of about 7,500—but doctors do not get paid to advise patients on how to lower their drug costs or how to comparison shop on the Web. In short, they get paid when people are sick, not to keep them healthy.

So long as total cost to the government does not rise and quality of care does not suffer, doctors should have the freedom to repackage and reprice their services. And payment should take into account the quality of the care that is delivered. Once physicians are liberated under Medicare, private insurers will follow.

Inform consumers – Patients need to have clear, reliable data about cost and quality before they make decisions about their care. But finding such information is virtually impossible. Sources like Medicare claims data (stripped of patient information) can help consumers answer important questions about their care. Government data—paid for by the taxpayers—can answer these questions and should be made public.

Eliminate junk lawsuits – Last year the president pledged to consider civil justice reform. We do not need to study or test medical malpractice any longer: The current system is broken. States across the country—Texas in particular—have already implemented key reforms including liability protection for using health information technology or following clinical standards of care; caps on non-economic damages; loser pays laws; and new alternative dispute resolution where patients get compensated for unexpected, adverse medical outcomes without lawyers, courtrooms, judges and juries.

For the full list of GOP proposals to President Obama, click here.  And if you’ve got some ideas of your own, we’d love to hear them; just leave a comment below.

Texas Health Insurance: 5 Ways to be your own Health Care Advocate

Wednesday, February 10th, 2010

texas health insuranceThe American Journal of Medicine reports that 60% of U.S. bankruptcies are due to medical bills accrued by middle class, well-educated homeowners. With the cost of health care continuing to rise, understanding how to be your own health care advocate is essential in order to survive in today’s economy.

Understand what your insurance does and does not cover

Utilize the help of an expert. Texas health insurance brokers know and understand the fine print of Texas health insurance plans. With their expertise, you can be confident in knowing what your premium covers and what goes towards your deductible. The more you know, the fewer surprises you’ll face.

Discuss potential costs before proceeding

If a doctor suggests a procedure, test, or surgery, inquire about the total cost before scheduling it. Speak with someone in the billing office to get an itemized bill with all costs, and then go over the list with your insurance carrier so you know exactly what you’ll be required to pay.

Document everything

Whenever you speak with anyone—insurer, doctor, etc.—regarding your health care needs, make sure to document the date of contact, date of service, name and phone number of the person contacted.  Also notate the results of the conversations and any necessary follow up. Keep a copy of all bills, explanations of benefits and services together in one place. Finally, keep records of all your non-reimbursable medical expenses, including car mileage, tolls, parking, meals, telephone bills and lodging. These costs may be covered through Medicare or be used as an itemized deduction when you file your income tax return.

Politely question doctor recommendations

Respectfully inquiring why a doctor recommends one specific drug or treatment over another can provide information concerning both your health care needs and potential health care costs.  On occasion, an alternative treatment or generic drug can be utilized to the same benefit at a lower cost.

Check local pricing resources and negotiate BEFORE procedures, if in a non-emergency situation

The Healthcare Blue Book allows you to determine fair pricing for procedures in your area. If a non-emergency situation requires extensive care that may not be fully covered under your current health insurance plan, negotiate with doctors and hospitals for the best price before scheduling the procedure in question.

In the current state of our nation, being proactive about our health care is becoming a requirement, rather than an option, as we attempt to stave off increasing medical bankruptcies.  Be your own health care advocate; it’s good for your health, and it just might save you some money.

Obama Invites Republicans to Health Care Debates

Monday, February 8th, 2010

Barack Obama health care reformSince Scott Brown’s win in the Massachusetts Senate race broke the Democrats’ filibuster-proof Senate majority, President Obama’s health care bill has been reeling.  In an attempt to revive his health care agenda, Obama has invited both Democratic and Republican leaders to discuss possible compromises in a televised gathering on February 25th.

The Associated Press reports that “Obama’s move came amid widespread complaints that efforts so far by him and his Democratic allies in Congress have been too partisan and secretive.”  Backlash stems from closed door deals that gave kickbacks to secure favorable votes, especially glaring since Obama initially suggested that health care debates should be televised on C-SPAN.

As the AP reports, “The meeting’s prospects for success are far from clear. GOP leaders demanded Sunday that Democrats start from scratch, and White House aides said Obama had no plans to do so.”

Many liberal groups want Congress to employ their lawmaking muscle to enact health care reform by reconciliation, a measure that can bypass Republican support.  But while President Obama has remained adamant about passing a health care bill similar to what passed in the House and Senate, lately he’s shown more willingness to consider Republican input.  In an interview with CBS’s Katie Couric, Obama said that he wants to look at the best ideas from both parties and arrive at some agreements.

But such agreements won’t come easily.  The White House maintains that “Obama does not intend to restart the health care legislative process,” whereas Senate Minority Leader Mitch McConnell speaks for many Republicans when he says that “if we are to reach a bipartisan consensus, the White House can start by shelving the current health spending bill.”

How Healthy is the State of Texas?

Friday, February 5th, 2010

texas health insuranceEach year the United Health Foundation, the American Public Health Association and the Partnership for Prevention collaborate to publish an assessment of the nation`s health on a state-by-state basis.  The annual rankings look at 22 indicators of health, from how many children receive vaccinations to the percentage of uninsured residents to the prevalence of obesity, smoking and cancer deaths.

In 2009, Texas climbed one spot to rank as the 39th healthiest state in the nation, proof that things are slowly looking up, but that we still have a ways to go as a state.  What follows are some of Texas’s best and worst rankings, among the measured indicators.

The good news is that Texas ranks in the top one third of the country in its rate of cancer deaths, but particularly frightening is the amount of citizens without Texas health insurance.  Texas ranks last in the country with an uninsured population that reached 25.1 percent in 2009.

Rankings:

  • Cancer deaths – 16th
  • Immunization coverage – 17th
  • Poor mental health days – 19th
  • Infant mortality – 20th
  • Public health funding – 43rd
  • Children in poverty – 43rd
  • Infectious disease – 44th
  • Lack of health insurance – 50th

By analyzing all 22 health indicators, the 2009 report highlights the following strengths, challenges and significant changes for the state of Texas.

Strengths:

  • High immunization coverage
  • Few poor mental days per month
  • Low rate of cancer deaths

Challenges:

  • High rate of uninsured population
  • High percentage of children in poverty
  • Low per capita public health funding

Significant Changes:

  • In the past year, the rate of preventable hospitalizations decreased by 7%
  • In the past five years, geographic disparity within the state increased by 25%
  • Since 1990, the prevalence of smoking decreased by 40%
  • Since 1990, the prevalence of obesity increased by 135%