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60% of Parents May Opt NOT to keep Recent College Grads on their Health Plan

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In a new survey from Kelton Research released Monday, roughly 60% of parents are going to opt NOT to carry their recent college graduates on their health plan. The reasons are vast – some say they want their children to get it on their own, others say it’s too expensive to keep their children on their plan.

Here’s the link to the study:

http://www.benefitspro.com/2011/05/16/survey-many-grads-may-not-get-health-coverage-from

 

The reason this is such an issue right now is because of the recent Health Care Reform laws. This shouldn’t be an issue for the majority of families out there. Most 21-26 year olds are healthy enough to obtain their own insurance. I will concede that paying for it is entirely different matter, but there are inexpensive major medical plans available to this population of Americans.

Most parents aren’t aware of how inexpensive it is to buy a policy for their adult aged children. There are plans out there for as little as $50 a month. This plan may not be the “Cadillac” of medical plans, but it will bridge the gap until these recent college graduates get hired.

If you would like to pursue this option, we have the capability to request an online quote, and to apply with the company. There are links on our website that will take you to either Anthem’s individual website, or Humana’s individual website. If you don’t feel comfortable with this method, please feel free to contact us either via phone or email.

Preventive Care and Employees

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Preventive care is medical care that focuses on disease prevention and health maintenance.  Preventive services result in earlier detection of diseases.  Having your preventive checkups completed also may lead to earlier discovery and identification of risks that could lead to further health problems down the road.  Common examples of preventive care services are screening tests, health education, and immunization programs.

There is more and more research being published connecting preventive care visits to overall health and well-being of employees.  Employers that offer and promote their preventive care benefits are seeing healthier and happier employees.  Employers are also seeing that employees are missing less days due to illness.  These employees that are taking advantage of their preventive services are more productive when they’re at work, they miss less days, and they are more loyal to their employers.

Preventive care is a vital part to having a healthy workforce.  When preventive care is being used, it catches illnesses and diseases in their earliest stages.  In 2004 there was a study completed that reported 7,600 cases of late-stage breast cancer, 20,000 cases of late-stage colorectal cancer, and 21,000 cases of bone disaese fractures.  All of these diesesases could’ve been treated or prevented with earlier detection, preventing the $485.2 million in excess medical claims.

Here is a link to Humana’s Preventive Services Guide.  This is just to give a general overview of what type of services are preventive.  You should check with your specific plan to know what is covered under your plan.  This should just be used as a guid.

Humana Preventive Services Guide

 

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