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Uninsured Rise and the CLASS ACT

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In September, the U.S. Census Bureau released their annual report on poverty, income, and the uninsured and the numbers reflect another rise in uninsured Americans.

Here are some highlights from this report:

  • The total number of uninsured rose to 49.9 million, an increase of almost a million Americans in one year
  • The number of uninsured with household incomes over $75,000 totaled 9.5 million.
  • The number of children enrolled in private insurance dropped by 2.8 million, while the number of children enrolled in Medicaid plans rose by 3.5 million, a 15% increase.

Health Insurance Rate Reviews

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Here is a recent article about the rate review process that was started on September 1st of this year.  HHS released a statement stating how this rate review process has helped keep premiums down.  However, an industry trade group, America’s Health Insurance Plans (AHIP) states that the rate reviews focus too much on rate increases and not enough on the real issue, rising cost of doing business in the medical industry.

As of the writing of this article, there appears to be at least 8 states this year who have won in getting health insurance companies that were asking for double digit increases to lower their renewals.  Kentucky is not one of these states.

There appears to be some validity to HHS promoting the success of these rate reviews.  This article doesn’t go into why or how the states that have succeeded in getting double digit rate increases overturned, just that there are more states getting grants from the federal government to assist in these rate reviews.

http://aishealth.com//archive/nhpw092611-04

 

 

 

Small Business Insurance

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Designing, implementing and overseeing an effective employee benefits plan can be an overwhelming venture — especially for someone who is dealing with other personnel issues. At Zinser Benefit Service, employee benefits are our business. Our job is to make your job of administering your company’s benefit program easier.  Small Business Insurance

Immunizations

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At the end of this post you will find a newsletter that United Health Care has put together about Immunizations. I found this very helpful because there is an awful lot of information out there about vaccinations, and how some are harmful while others aren’t. Hopefully this will shed some light on this subject.

Immunization Newsletter

Brand Name Drugs vs. Generic Drugs

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One of the driving factors for the increase of medical insurance premiums is the cost of prescription drugs. There is a prescription for everything. Twenty years ago, we weren’t walking into our doctor’s office asking for a prescription by name. Today we know the names of the prescription we want to take, and we ask our doctor WHY we’re not already on that prescription. If we can use generic drugs whenever the opportunity presents itself, [Read more…] about Brand Name Drugs vs. Generic Drugs

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