Posts Tagged ‘INSURANCE’
A cartoon explanation of why we need a public health insurance option. Now that the health care bill has passed, my friend Andy Lubershane (the animator) has made another video about a topic near and dear to my heart: Climate and Energy. Please check it out here: www.youtube.com Animated by Andy Lubershane. More comics at www.earthlycomics.blogspot.com Note The data in this cartoon is supported by this report: www.ourfuture.org which includes a lot more detail on current proposals for a public option.
Video Rating: 3 / 5
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A Formula for Successful Health Insurance Exchanges
The Patient Protection and Affordable Care Act (the “Act”) may well spell the demise of American health insurance as we know it. I elaborate on this in the concluding section of this chapter, but my premise is simple: When you can wait until you are sick to buy health insurance, you have effectively eliminated the concept of insurance. Organizations we call health insurance companies or health plans will ultimately be relegated into the category of utilities.
List Price: $ 59.00
Price: $ 59.00
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In this video, Linda Douglass, the communications director for the White Houses Health Reform Office, addresses a story that makes it look like the President intends to eliminate private coverage, when the reality couldn’t be further from the truth.
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Orlando, FL (PRWEB) May 16, 2012
WNS (Holdings) Limited (WNS) (NYSE: WNS), a leading provider of global Business Process Outsourcing (BPO) services, released a whitepaper on High-end Actuarial Risk Management Solutions To Rationalize the Impact of Emerging Regulatory Trends on US Insurers, at the ACORD LOMA Insurance Systems Forum, USAs premier event for the insurance industry, held at Rosen Shingle Creek, Orlando, FL, USA, from May 15-17, 2012.
The white paper, released on the first day of the event, puts forth important insights on the potential impact of emerging regulatory changes like Solvency II, Solvency Modernization Initiative (SMI) and Own Risk and Self Assessment (ORSA) Proposal on US insurers. The paper also presents solutions to tackle the rapidly changing regulatory environment in the form of advanced risk management practices and high-end actuarial services provided by progressive outsourcing partners like WNS.
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Question by ExcessPhase: What is a health insurance exchange?
Why should I buy health insurance at such an exchange?
Do apply different laws inside this exchange vs. the normal (outside) market?
Or what would make an insurance offer different products (or different prices for the same product) in this exchange vs. outside this exchange?
Best answer:
Answer by bwlobo
If the Supreme Court strikes down President Barack Obama’s health care law, employers and insurance companies _ not the government _ will be the main drivers of change over the next decade and maybe even longer.
They’ll borrow some ideas from Obamacare, and push harder to cut costs.
Business can’t and won’t take care of America’s 50 million uninsured, but for the majority with coverage, here’s what experts say to expect:
_ Workers will bear more of their own medical costs as job coverage shifts to plans with higher deductibles, the amount you pay out of pocket each year before insurance kicks in. Traditional workplace insurance will lose ground to high-deductible plans with tax-free accounts for routine medical expenses, to which employers can contribute.
_ Increasingly, smokers will face financial penalties if they don’t at least seriously try to quit. Employees with a weight problem and high cholesterol are next. They may get tagged as health risks and nudged into diet programs.
_ Some companies will keep the health care law’s most popular benefit so far, coverage for adult children until they turn 26. Others will cut it to save money.
_ Workers and family members will be steered to hospitals and doctors that can prove to insurers and employers that they deliver quality care. These networks of medical providers would earn part of their fees for keeping patients as healthy as possible, similar to the “accountable care organizations” in the health care law.
_ Some workers will pick their health plans from a private insurance exchange, another similarity to Obama’s law. They’ll get fixed payments from their employers to choose from four levels of coverage: platinum, gold, silver and bronze. Those who pick rich benefits would pay more. It’s an approach that Rep. Paul Ryan, R-Wis., the GOP budget leader, also wants to try with Medicare.
Add your own answer in the comments!
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Question by Stalin: How do you feel about the healthcare law that makes parents keep their children on their health insurance?
This law makes parents keep their children on their health care until they are 26 and in some states 31. I don’t agree with this. I agree with 23 at the most. If you are 26 and can not support yourself that is a shame. What do you think? Of course it is different if you are helping a child that was laid off from work. This law covers married children also.
Best answer:
Answer by Flower
it is not mandatory. It is optional for parents to do this. Some insurance companies have started it already even though it does not really kick in until September. If you are employed with no group insurance or unemployed, instead of going to the ER and having the government pay, or getting on Medicaid and having the government pay all of your care, why not stick you in your parents insurance? As long as the adult child does not have an employee health plan you can do it. You do not have to be a student.
Know better? Leave your own answer in the comments!
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Question by ExcessPhase: What is a health insurance exchange?
Why should I buy health insurance at such an exchange?
Do apply different laws inside this exchange vs. the normal (outside) market?
Or what would make an insurance offer different products (or different prices for the same product) in this exchange vs. outside this exchange?
Best answer:
Answer by bwlobo
If the Supreme Court strikes down President Barack Obama’s health care law, employers and insurance companies _ not the government _ will be the main drivers of change over the next decade and maybe even longer.
They’ll borrow some ideas from Obamacare, and push harder to cut costs.
Business can’t and won’t take care of America’s 50 million uninsured, but for the majority with coverage, here’s what experts say to expect:
_ Workers will bear more of their own medical costs as job coverage shifts to plans with higher deductibles, the amount you pay out of pocket each year before insurance kicks in. Traditional workplace insurance will lose ground to high-deductible plans with tax-free accounts for routine medical expenses, to which employers can contribute.
_ Increasingly, smokers will face financial penalties if they don’t at least seriously try to quit. Employees with a weight problem and high cholesterol are next. They may get tagged as health risks and nudged into diet programs.
_ Some companies will keep the health care law’s most popular benefit so far, coverage for adult children until they turn 26. Others will cut it to save money.
_ Workers and family members will be steered to hospitals and doctors that can prove to insurers and employers that they deliver quality care. These networks of medical providers would earn part of their fees for keeping patients as healthy as possible, similar to the “accountable care organizations” in the health care law.
_ Some workers will pick their health plans from a private insurance exchange, another similarity to Obama’s law. They’ll get fixed payments from their employers to choose from four levels of coverage: platinum, gold, silver and bronze. Those who pick rich benefits would pay more. It’s an approach that Rep. Paul Ryan, R-Wis., the GOP budget leader, also wants to try with Medicare.
Give your answer to this question below!
Related Posts:
A Formula for Successful Health Insurance Exchanges
The Patient Protection and Affordable Care Act (the “Act”) may well spell the demise of American health insurance as we know it. I elaborate on this in the concluding section of this chapter, but my premise is simple: When you can wait until you are sick to buy health insurance, you have effectively eliminated the concept of insurance. Organizations we call health insurance companies or health plans will ultimately be relegated into the category of utilities.
List Price: $ 59.00
Price: $ 59.00
Related Posts:
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A cartoon explanation of why we need a public health insurance option. Now that the health care bill has passed, my friend Andy Lubershane (the animator) has made another video about a topic near and dear to my heart: Climate and Energy. Please check it out here: www.youtube.com Animated by Andy Lubershane. More comics at www.earthlycomics.blogspot.com Note The data in this cartoon is supported by this report: www.ourfuture.org which includes a lot more detail on current proposals for a public option.
Video Rating: 3 / 5