Health Insurance for Nadya Suleman with 14 kids?
February 11, 2009
So you probably have read, heard or wathced the story about Nadya Suleman a Californian who had octuplets (which is 8 kids if you didn’t know). I got to thinking about the massive amount of cost it will be for her to have health care for these kids.
The unique thing about health insurance this that at some point adding kids to your policy is free and if Nadya does have health insurance I’m sure her company is trying to figure a way not to cover her.
The society response from this story has gone quickly from amazement to how can you be irresponsible. Can you imagine how much tax dollars will now most likely be spent on her and her family? Another question is whose fault is it really? Did her doctor fertilize too many eggs?
It also brings up the question of should their be a limit to how many children you can have in one family? My dad had 7 in his family.
WWHID (What Would Health Insurance Do?)
Can you imagine her trying to get private health insurance? I think the health insurance carriers would be frantically looking for a way to decline her or raise her premiums to unbearable. There would have to be some type of special form to fill out with 14 dependents.
The story is interesting and makes me wonder how a private health insurance carrier would handle her application. Does anyone have any thoughts?
Government Should Consider Canadian Health Care Before Nationalizing
February 10, 2009
If the economic stimulus bill passes which looks like it will, there is a portion in there that expands SCHIP funding to the states for children whose families are in a lower income status so that the children can have health coverage – and this is one step forward towards a nationalization of health care in America.
But before we get to this point I think that it’s necessary that the government takes a close look at the problems with the Canadian health care system so as to try and avoid making similiar misstakes.
According to an article by Kaiser entitled: Opinion | Obama Should Consider Canadian Health Care System ‘Hardships’ When Developing Overhaul Plan, Editorial States:
President Obama and congressional Democrats last week took a “first step … toward government-run health insurance” with the enactment of a law to reauthorize and expand CHIP, but they should consider “Canada’s experience” before “proceeding further,” Nadeem Esmail, director of Health System Performance Studies at the Fraser Institute, writes in a Wall Street Journal opinion piece.
He writes, “Health care resources are not unlimited in any country … and must be rationed either by price or time,” and as a result, when “individuals bear no direct responsibility to paying for their care, as in Canada, that care is rationed by waiting.” Esmail cites several “constitutional challenges” filed by Canadian patients placed on waiting lists for health care that “share a common goal: to win Canadians the freedom to spend their own money to protect themselves from the inadequacies of the government health insurance system.”
According to Esmail, the “experiences of these Canadians — along with the untold stories of the 750,794 citizens waiting a median of 17.3 weeks from mandatory general-practitioner referrals to treatment in 2008 — show how miserable things can get when government is put in charge of managing health insurance.” He concludes, “Canada’s system comes at the cost of pain and suffering for patients who find themselves stuck on waiting lists with nowhere to go,” and “Americans can only hope that … Obama heeds the lessons that can be learned from Canadian hardships” (Esmail, Wall Street Journal, 2/9).
I too agree that the United States needs to proceed with much research and cation because we don’t want to get ourselves into the same situation that many Canadians face each day.
Would you like to have to wait for medical care?
When is the last time you have been to the DMV? It’s going to be something similiar “take a ticket please” the only problem is that in the healthcare industry your ticket may last weeks before you get in.
What do you think the government should do?
Read Cheap Dental Plan
February 9, 2009
Is Cheap Dental Plans is a myth?
There seems to be a fear that is associated with the discovery of costs associated with dental insurance.
Would it surprise you to learn that dental visits account for roughly five percent of our amount health care needs in any given year? Since this is true, most insurance carriers will provide attractive rates associated with dental insurance.
For the business owner there are several avenues to consider when seeking to provide employees with dental insurance.
One of the key elements to their deliberation will center on overall costs. However, inexpensive coverage does not always equal a good plan.
Here are a few general types of coverage and what to expect:
* PPO Plans provide patients with a group of dentists who’ve agreed to provide care to patients within the group at a discounted fee. In essence the dentist is willing to receive less for the prospect of other patients.
* Self Insurance is an attractive option for businesses due to the fact that there is a strong potential for price savings if services aren’t utilized in any given year. The difficulty with this plan is the administrative headache that often follows it.
* Direct Reimbursement is similar to self-insurance. Employees are welcome to select their own dentist. The patient pays the dentist and is reimbursed by their employer. This approach is attractive to the employer because research shows that over 40% of employees may not require dental work in a given year providing a potential savings to the employer.
* Closed Panel plans are one of the most limiting in that they forbid the number of available providers. The patient doesn’t receive to select his or her own dentist.
* Indemnity Programs are much like many health insurance plans that let a choice in dentist. They also provide a limit on total coverage and co-pay options. The employer who monitors overall costs for the employee group generally show these.
* Capitulation provides a contract for service arrangement that pays a specific provider a specified amount each month to cover all treatment. That fee is paid even if no services are rendered.
Dental insurance can be affordable and a perk that will be appreciated by employees, but private coverage can also be obtained through a local broker or online. It will cost less than major medical coverage and can provide the peace of mind knowing your families dental needs can and will be taken care of.
If you choose your dental plan here. You will get these advantages:
* Join today & receive 3 additional months FREE!
* Save 10% to 60% on most dental procedures.
* Select from over 30 discount dental plans.
* Choose plans even offer discounts on prescriptions, vision, hearing and chiropractic services!
Choose Your Cheap Dental Plans Here Now.
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Cheap Family Dental Care
February 5, 2009
Cheap Family Dental Plans Insurance Here.
Buying a family dental insurance provides you and your family two important benefits:
• Better oral health for the entire family as most plans pay 100% of the preventive service fees such as cleaning every six months. This encourages the family to visit the dentist for regular check ups and cleaning treatments. Prevention is half the battle!
• Generate more savings because the dental plan company pays a certain percentage of dental services for minor and major procedures.
Here are six questions to guide you in the selection of the right family dental for you and your family.
1. Does the insurance allow you to pick your own dentist?
Some dental insurance carriers give you bigger discounted rates provided you use their network of dentists. If your favorite dentist is not part of the network, the family dental insurance may not cover the treatment. You should consider paying extra for a plan, which allows you and your family to go to your preferred dentist.
2. Are there restrictions when it comes to choosing the best treatment options? Some family dental put a cap on the number of treatments or limit the amount paid for a condition. If you or your family has a history of poor dental health care, then you should choose a insurance that has few restrictions on this aspect.
3. What is does the insurance cover? An ideal family dental allows for one cleaning treatment every six months, with X-ray and fluoride treatments that come at little or no cost for each member. For the major procedures, some family dental plans require you to pay 50 percent of the entire bill. If your family has a history of good dental health care, then you may want to negotiate for lesser coverage when it comes to the major procedures.
4. Which family members are covered by the family dental plans? Most dental insurance carriers cover the spouse and dependent children, from birth through 18. Some exceptions are given for children up to the ages of 22 if the child is a full time student, and dependent on the principal for support.
5. Is there built in flexibility in scheduling dental appointments? Some inexpensive family dental plans limit when you can come in for dental treatment. Check to ensure that these scheduled appointments do not inconvenience you or your family.
6. How much savings does this plan generate? Whether you and your spouse decide to purchase family dental plans, or avail of your employers’ sponsored plan – you will still be able to generate savings, for you are not paying for the entire procedure.
Join the insurance today and get these advantages:
* Save 10% to 60% on most dental procedures
* The most dentists in combined networks anywhere!
* Choose from over 30 discount dental plans
* No health restrictions or paperwork hassles
Choose Family Dental Insurance Here Now.
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Senate May Approve 117 Billion for Health Care
February 3, 2009
According to the Christian Science Monitor 117 billion of the 819 Billion economic stimulus plan is being spent on some form of healthcare.
Here’s the breakdown:
- 87 Billion is for state medicaid which helps the poor with healthcare
- 11 Billion is for extension of the medicaid program to the newly uninsured – not sure what that means
- 29 Billion is to help the unemployed pay for private health insurance
- 20 Billion to implement new technologies to help reduce the cost of healthcare.
The help for medicaid and private health insurance are considered temporary, but some hope that this helps take a step towards nationalized health care.
Ranked 2nd to my surprise was helping the newly unemployed obtain health insurance behind helping businesses keep or create new jobs.
The biggest help that I saw in the article was that if the stimulus plan was approved was for COBRA then instead of paying 102% you would receive a 65% subsidy to help you with your health insurance coverage. Currently most employers pay 75% – 85% of your healthcare, so this means that your health insurance would only increase 10-20% which would help out a lot of people since only 9% actually do COBRA because of the high cost.
Another amazing thing would be if you are age 55 or older they could extend your COBRA health insurance coverage for 10 years which would make you then eligible for medicare – that’s pretty cool!
My Med Quote Now Using Brokers Web
November 7, 2008
When I first started MyMedQuote.NET I had a focus to give exclusive health insurance leads to 1 agent in each state, however, I have realized that I don’t want to deal with the headache of distributing leads and keeping track of the management part of the ordeal, so with that being said, I have decided to list multiple agencies when people do a search for health insurance on my site.
If you are interested in appearing on this list, click Get My Quotes and then search any state, towards the bottom is a link to brokersweb and they can help you get on the list. The list is a bid for placement list that allows you to bid how much you are willing to pay for someone to click on your link and be taken to your health insurance site.
I felt that this was a better move as to now I’ll I’m focused on and working on is search engine optimization and making sure that the site gets completed and updated.
So if you are here because you were interested in my last two blog posts about exclusive health insurance leads, I’m sorry, but you can still get your agency in front of people by using BrokersWeb. I do really believe that consumers get the best deal as they can choose which company to receive their health insurance quote from.