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Posts Tagged ‘Health Insurance News’

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%

Democratic Push for Mandatory Health Insurance is Unconstitutional

Thursday, January 14th, 2010

Mandatory Health Insurance is UnconstitutionalAs health care legislation continues to evolve and be debated in the government, one key issue is the administration’s desire to force health coverage on Americans.  The administration assumes that compulsory coverage is fair game, and would put our country one step closer to universal healthcare, but it faces one major impediment – the United States Constitution.

As George Will notes in his Washington Post Op-Ed, the idea of mandatory coverage is no different than compulsory exercise, and one could wager that forced exercise would face a severe backlash from weary Americans.  Supporters of the mandate argue that Congress can impose such legislation under its power to regulate interstate commerce, in which Congress can regulate activities deemed to have economic consequences when it believes it is “necessary and proper.”

This is a very slippery slope because, as Will states, “if any activity, or inactivity, can be declared to have economic consequences, then anything can be regulated – or required.”  As a result, the Constitution is largely nullified by Congress’s estimates of what is “necessary and proper” for the regulation of commerce, and while Congress is still subject to the oversight of the Supreme Court, the Court tends to uphold what Congress declares necessary.

Opponents to the mandate argue that Congress, under the Constitution, is not authorized to forbid someone from not making a commercial transaction, in this case, health insurance.  According to Senator Orrin Hatch, “Congress can regulate commercial activities in which people choose to engage, but cannot require that they engage in those commercial activities.”  He also notes that if Congress can force people to make particular purchases to help the economy, then there was no need for the government program Cash for Clunkers.  Instead, Congress could have just ordered people to buy cars.

While no one argues against the importance of Americans having health coverage, forcing people to buy it—and taxing them if they don’t—is a gross misuse of legislative powers and a frightening example of the government pursuing a goal without regard to personal liberties.

Health Care Reforms Will Take Years to Implement

Tuesday, December 22nd, 2009

health care reform will take yearsAs the debate on health care reform continues, millions of Americans are learning more details of the bill believed to be on the verge of passing through the Senate.  But one detail that’s often overlooked is that most of the bill’s provisions would take several years to implement, keeping tens of millions of uninsured Americans without insurance until 2013 or 2014.

According to reports in The San Jose Mercury News, “White House and congressional aides say the long lag between passage and implementation is unavoidable, given the magnitude and complexity of remaking an entire sector of the economy.”

It’s to be expected that far-reaching reforms won’t be completed overnight, but by delaying many tangible benefits the reforms might enact, the government runs the risk of creating disillusionment among its supporters and further validating those already wary of reforms.

Aware that undue delays will mean political pitfalls, the administration is quick to point out that some smaller reforms would be enacted right away.  For example, The Mercury News article reports that “under the proposed plan seniors would get immediate financial relief for their prescription drug costs, and insurance companies would be barred from dropping patients who file medical claims.”

But according to The Wall Street Journal, “some 98% of the total cost comes after 2014,” and “most of the taxes start in 2010.” So even though health care reform will take several years to implement, and regardless of the fact that recent polls show it is opposed by more than half of Americans, the financial burden on taxpayers will be felt right away.

How do you feel about such an unpopular bill being forced upon us?  It does beg the question that, if this proposed reform is so monumental, why is the administration trying to jam it through the Senate to meet an arbitrary deadline?  It seems that a 2,000 plus page bill equaling 1/6 of the U.S. economy would require more than 36 hours to read, comprehend and make a well-educated vote.

Does Employer-Provided Health Insurance Make Sense Anymore?

Friday, December 18th, 2009

Texas health insuranceCharles Krauthammer stated, in his article “Health-Care Reform: A Better Plan” on WashingtonPost.com, that the idea behind employer-provided health insurance benefits no longer makes sense due to the mobility of our world today. He recommends that individuals establish their own health insurance, as we do with our home and car insurance. Choosing from several different  health insurance companies and plans, individuals and families can shop for the best Texas health insurance plan that meets the specific needs of that consumer. Allowing employees to establish their own Texas  health insurance plan, regardless of where one is employed, reduces the stress experienced when one changes or loses employment. Imagine the amount of money that could be saved if business owners did not have to also be in the business of health insurance? Imagine, instead of paying out money for expensive, one-size-fits-all employee benefits; employers were able to put that money into providing more, better paid jobs?

Krauthammer’s proposal gives the individual more control over their health care benefits and more choices between Texas health insurance companies and plans. He goes on to say, if the ability to purchase health insurance across state lines was available, the competition fostered among health insurance providers would drive costs down for everyone. Trusting the economic phenomenon of supply and demand to provide the checks and balances for health insurance costs seems to be a sensible option. Unfortunately, the government would rather take more control over what is offered and mandate what is available to individuals, than allow free enterprise to work. How a government-mandated health care system will keep costs down, no one knows.

Health care reform is definitely needed. With the exuberant costs from duplicate testing in medical practice and from extravagant malpractice payouts, and with the effects of an economic recession that has caused many to become both unemployed and uninsured; health care reform is essential. However, how our nation goes about reforming health care is just as important an issue to consider.

How would you propose health care be reformed?

Poll Finds Americans Wary of Health Care Reform

Thursday, December 17th, 2009

Poll Finds Americans Wary of Health Care ReformAs the Senate continues to wrestle with the health care reform bill, a Washington Post-ABC News poll* shows that the American public is growing wary of legislation intended to overhaul the health care system.

While a small majority of Americans still believe that government action is needed to curb health care costs and expand coverage to the millions of uninsured, enthusiasm is waning for the comprehensive changes under consideration.  According to the Washington Post article, the poll finds the public “generally fearful that a revamped system would bring higher costs while worsening the quality of their care.”

Poll findings indicate that:

  • 51 percent say they oppose the proposed changes to the system, while 44 percent approve
  • 53 percent see higher costs for themselves if the proposed changes go into effect
  • 55 percent say the overall cost of the national health-care system would go up more sharply under the new system
  • 37 percent say the quality of their care would be better under a new system
  • 50 percent see the current system as better than the proposed system
  • 67 percent say the proposed health care reforms would add to the federal deficit

Interestingly, even the uninsured are divided on the question of whether their care would improve if the system were overhauled.  And on the issue of whether and how to expand coverage to the uninsured, 36 percent of all respondents favor a government plan to compete with private insurers, 30 percent prefer private plans coordinated by the government and 30 percent want the system to remain intact.

The findings seem to highlight the challenges that President Obama faces as he and his party push to enact health care reform despite the American public’s divided sentiments.

*The poll was conducted by conventional and cellular telephone among a random national sample of 1,003 adults. The margin of sampling error for the full survey is plus or minus three percentage points.

Texas Health Insurance: PLEASE Mess with Texas!!

Tuesday, December 8th, 2009

Texas health insuranceStatistics don’t lie. According to The Official Portal of Texas from Texas Online, one in every four Texans is without health insurance. In addition The Daily Texan reports that the state of Texas has the “highest percentage of children without medical health insurance” and “holds the highest percentage of adults without a high school diploma” (Platis, 2009). What happened to the infamous Texas slogan: Don’t mess with Texas!?

With the announcement of new Texas gubernatorial candidates, the issues surrounding Texas health care and Texas health insurance are topics of great concern. Though Congress continues to debate the health reform bill, people in Texas are suffering from an economic recession, the effects of unemployment, and the loss of quality health care and health insurance benefits. Can Texans wait on Congress?

The simply answer is: No!

Paul Levy questions the delay of government action concerning health care reform in an article entitled “Why wait four years?” on The Health Care Blog. He raises the question of why a health care reform, that is to help those with low incomes and those affected by a downturned economy and unemployment, is not proposed to go into effect until 2014 “when Medicare, enacted in 1965, went into effect the next year?” (as cited by Princeton Professor Paul Starr in the New York Times).  What’s the wait?

Whether the health reform bill will ultimately cost far more than expected or whether those in congress do not want to be in office when the plan fails; we cannot be sure. What we can be sure of is that there must be changes made in health care.

MESS with Texas!

Changes that can be made right now on the state level are relatively simple and cost much less than a proposed government takeover. Custom Health Plans of Dallas, Texas, hopes to be an advocate of change by challenging the way Texans approach health care and acquiring health insurance. One major contribution of CHP in order to MESS with Texas is by providing free information to individuals in order to educate and to empower the general public to take charge of their current health insurance needs.

Custom Health Plans offers an interactive online forum where one can compare different prices and health care plans offered by the best health insurance providers in the area in order to assist Texans in locating the most affordable health insurance plan. With no charge to the consumer, a health care expert will look at the individual’s needs and budget to find the most comprehensive and affordable individual/family plan.

Also, CHP has added this blog to provide informative, current articles pertaining to health-related news and information. CHP hopes this blog will be utilized as a tool to help further educate Texans about their health care choices and to empower individuals to take control of the health care crisis plaguing our great state.

Why wait on the government to decide what is best of Texas?

To Congress, CHP says, “Don’t mess with Texas!”

Yet, CHP challenges Texans by saying, “MESS with Texas!”

If we don’t take care of the health care crisis in our state, the government will! Who knows the health care needs of Texas better than Texans?

References:

Levy, P. (2009, December 2). In The Health Care Blog. Why wait four years? Retrieved on December 8, 2009, at http://www.thehealthcareblog.com/the_health_care_blog/2009/12/oped-why-wait-four-years.html

Platis, R. (2009, December 8). In The Daily Texan Online. Supporters rally for Houston mayor. Retrieved on December 8, 2009, at http://www.dailytexanonline.com/top-stories/supporters-rally-for-houston-mayor-1.2114667.

Texas Online. (n.d.). Official Portal of Texas. http://www.texasonline.com/portal/tol/en

Starr, P. (2009, November 28). In The New York Times. “Fighting the wrong health care battle.” Retrieved on December 8, 2009, at http://www.nytimes.com/2009/11/29/opinion/29starr.html?_r=1&ref=opinion

Health Insurance Reform Bill: Really?! With Trey & Brandi SNL Spoof

Sunday, December 6th, 2009

Custom Health Plans has decided to share our thoughts about the current issues concerning the health reform bill and how it will affect Texas health insurance plans and benefits. This is our spoof on Saturday Night Live’s Weekend Update skit called “Really?! With Seth and Amy”. We call our spoof: “Really?! With Trey & Brandi”. Check it out on YouTube:

SNL spoof Really?! With Trey & Brandi

SNL spoof Really?! With Trey & Brandi

Spoof on SNL’s Really?! Skit: Health Care Reform Bill

This is the transcript of the video:

Tuesday night, President Obama addressed the nation concerning the current health reform bill and the current war strategies. This brings us to the news segment we like to call…

Really with Trey and Brandi?!

Trey: Really, Congress, really?! I mean first of all, who is going to read a bill that requires a fork lift to pick it up…I mean really?

Brandi: Really! And Republicans, I realize you think Obama is the anti-Christ and this bill will set up a one world order, but do you have an alternative plan? No…No you don’t …so really? What are we suppose to do here? Stand back and just watch a broken system continue to cost the government and taxpayers money while a majority of Americans loose jobs and healthcare benefits…I mean, Really?! I mean, I know you have health care that works for you and you are speaking for people you really can’t relate to and all, but I mean, Really?! Even a haiku explaining a better health care alternative would be helpful, at this point…Really!

Trey: And Democrats, really? What voodoo do you expect to employ to get us to believe this bill will provide health care to all Americans without spending a dime?! I mean really?! I mean I realize that the national deficit is so incredibly large now that…hey, what is another 800 billion dollars? But really…but don’t lie to us. I mean, really!

Brandi: Really! And why can’t the bill just be written in simple language and published on Facebook? I mean, really? How are we supposed to know if Palin’s accusations of Obama, being the next Hilter and exterminating the weak and infirm through the establishment of death panels, is true or not? Are we really supposed to think for ourselves?! I mean, really?

Trey: And why does it keep being announced that the health reform is near, really?! Near? So even though these changes will probably not be implemented until 2013, we are supposed to believe changes in the health care system are near?! I mean, really?! What is near is the fact that my government subsidy for my COBRA healthcare is about to end and I am going to still be unemployed…that’s what’s near…I mean really?! What is near is that I am going to soon have to choose between my mortgage and my health care benefits…that is what is near…I mean, really!?!

Brandi: Really! WOW!

Trey: Really!