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insurance

New WellPoint Plan Increases Healthcare Consumer's Level of "Skin in the Game"

July 10, 2013 by Kenneth Walz

WellPoint's new group plan

A recent Wall Street Journal article discusses how WellPoint, the nation’s second-largest health insurer, has developed a group plan in which consumers would be responsible for the cost of medical services in excess of that offered by their employer plans.[read more]

Medical Billing: A Paper Blizzard Not Addressed by EHR

May 25, 2013 by Bill Crounse
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medical billing problems

Everything we read suggests the day is nearing when all hospitals and doctors will use computers instead of paper. But despite the progress being made to eliminate it in hospitals and clinics, there remains an insidious blizzard of paper in the health industry that seems to be only getting worse--medical billing.[read more]

Direct Health Care Services for the Uninsured

March 12, 2013 by Nicole Fisher

As Jodi Carroll of VoteFacts.org underscored, millions of women and men in the United States are reliant on their significant others employer to provide their family’s health insurance. Women, in particular, are disproportionately reliant on husband’s employers for coverage, with children who are also dependents.[read more]

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Primary Care Does Not Need To Be Expensive

October 23, 2012 by Stephen Schimpff

The Future of HealthCare Delivery can be ordered through the widget on our sidebar.

Are you a frustrated patient because you get little time with your physician each visit? Are you a frustrated physician who would like to spend more time but can’t make it work financially? Here are some developing approaches. Reimbursement rates for primary care visits are low, so primary care physicians (PCPs) need to see many patients to cover office expenses.[read more]

Fingertip Injury Points Out Emergency Care Billing Conundrum

August 8, 2012 by Thomas Pane

The emergency department entrance at Mayo Clinic’s Saint Marys Hospital. (Photo credit: Wikipedia)

A recent case from Dayton, OH highlights the tangled mess of emergency department specialty coverage, federal law, and out-of-network insurance benefits. When these interact, patients, doctors, insurers and hospitals can be left frustrated and perplexed.[read more]

Greedy Insurance Company Backs Down: The Little Guy Wins!

August 15, 2011 by Michael Kirsch

A few months back, while we were on vacation in Washington, D.C., my 17-year-old son Noah sustained an injury at 1:00 a.m. I was asleep, but this is usually a few hours earlier than he typically retires.[read more]

Florida Governor Rick Scott Pays $360 a Year for State Health Insurance

August 12, 2011 by Barbara Duck

State legislators pay $8.34 a month for their health insurance. Some retired government employees pay as much as $1200 a month with no subsidies and it amounts to over $15k a year.[read more]

Uninsured, and Lovin’ It

June 10, 2011 by John Goodman
photo by Joyous

Back in December I decided to drop my health insurance coverage. I was hit with a 19% rate increase thanks to ObamaCare. All those “enhanced” benefits like free preventive care, unlimited lifetime benefits, and paying for 26-year old slackers came with a cost. In my case it was more money than I could afford now that I am retired. So,...[read more]

Maine Versus Vermont

June 6, 2011 by John Goodman

Vermont has gotten a fair amount of attention lately for enacting the nation’s first “single payer” law.  But nearby Maine, has taken a dramatically different approach.  Each state has a new governor, and each has a legislature of the governor’s own party, so the political conditions are ripe for this kind of experimentation....[read more]

Health Insurance HMO Prices in New York City Non-Affordable for Many

May 31, 2011 by Barbara Duck

The number of HMOs serving New York City has also dropped from 13 in 2004 to seven today.  I’m guessing that the bankers on Wall Street aren’t paying this as they get a discounted employer plan so who does that leave out there?  The numbers have dropped from around  100,000 individuals to just over 13,000 so that’s a good...[read more]

Health Insurers’ Rate Increases Being More Scrutinized

May 22, 2011 by Michael Douglas

A group of states with a combined population of just under 50 percent of the U.S. population is trying to circumvent the process by which insurers publish premium rates before those published rates reach the marketplace. Ordinarily, individual states would have to receive the approval from their regulatory bodies (insurance commissioners...[read more]

Understanding The Appeal of Mini-Meds

May 2, 2011 by David E Williams

I first ran this post four years ago, but thought it worth re-running considering all the recent debate about mini-meds in the era of PPACA. I’m not enthusiastic about Mini-Med plans –the policies that offer limited coverage, often capped at $25,000 to $50,000 per year. In some ways they are the opposite of insurance because they pay...[read more]