A few days ago, more bad news came out about the cost of individual health insurance in 2014. The Society of Actuaries (the financial risk experts that determine insurance costs) reported that next year insurance companies must anticipate paying out at least 32% more in medical claims.
The Affordable Care Act (ACA) will require insurance plans to provide more comprehensive coverage (essential benefits) and cover millions more people with … read on
Several years ago, when my son was in middle school, he developed a nasty sinus infection. He didn’t have a fever, and I suspected it was a viral infection that would run its course unaided. I told him this, but he was unimpressed.
Partly to make him feel better, and partly because I wanted my diagnosis confirmed, I made an appointment for him to see our pediatrician.
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You have probably seen this warning many times, but perhaps never paused to consider what it meant. Or, maybe you haven’t seen it, because it usually appears in very fine print and is only obvious if you are looking for it.
Three years ago, my husband nearly died because of a series of medical mistakes. Although no one was guilty of clear medical malpractice (grossly negligent care resulting in harm), the hospital’s attempts to cut costs, a physician’s careless instructions, and a firewall of inflexible receptionists who refused to let me speak with a doctor led to a 911 call, a trip to the ER, and a 3-day stay in the … read on
Under the Affordable Care Act (ACA), small businesses and individuals will be offered “robust” coverage and “affordable” premiums on the soon-to-be-running health insurance exchanges.
By grouping together these two traditionally under-served populations, the risk pool will become large enough (theoretically) to allow everyone (most notably those with pre-existing conditions) access to health insurance, and will help keep premiums affordable (again, theoretically).
But there is a problem: small businesses are jumping … read on
For the last 15 years, my family has purchased an individual health insurance policy. Individual plans, as opposed to employer-based insurance, usually don’t cover vision. We could buy a separate vision policy, but in an average year the premiums would cost more than our annual eye exams, glasses and contacts combined.
Even Medicare doesn’t pay for routine eye exams and corrective lenses, except one pair after cataract surgery.
I am a child of the 70’s, and I remember the thrill of being able to stay up past my bedtime, on occasion, to watch The Mary Tyler Moore Show. So it was with sadness that I read the recent news that Valerie Harper, aka Mary’s best friend Rhoda, had been diagnosed with a rare and incurable form of brain cancer.
I watched her interviewed on television and was … read on
The other day I was cleaning out a kitchen cupboard and unearthed an economy-sized bottle of calcium tablets. Oops! I should be taking one or two of those every day.
Or should I?
Everyone knows calcium is necessary for bone health. Most women have been told by their doctors that they need extra calcium after menopause because without estrogen’s help, bones do not absorb … read on
During the presidential campaign last year, Paul Ryan, the vice-presidential candidate, presented his plan for what we all know is much-needed Medicare reform (too many baby boomers; too little money). Under his plan, seniors would choose a “Medicare certified” private health insurance plan and, depending on the senior’s income, a percentage of the premium would be subsidized.
His plan sounds a lot like the new health insurance exchanges that are … read on