On August 11th, John Stewart on The Daily show pointed out something very important, that in reality both Democrats and Republicans have no idea whats going in with Healthcare Reform. Republicans are focused on bashing Obama and any attempt to change anything. Democrats are confused and too lazy to read through the thousand pages of tedious and boring Health Insurance Reform documents. This is why this has been such a lengthy deliberation on the subject!

We really need to get it togther. The country is going to tear itself apart at this rate. Things need to be made simpler so the general public as well as congressmen can understand it. There is too much opportunity for abuse and for strange or little known policies to be slipped in! Reminds me of what its like to buy a house, eventually you don’t even care about fighting all the fees they stick you with. I think the American people want to get this topic over with!

Hello,

I would like to take a few minutes of my time to share some knowledge about shopping for Individual Insurance. Today’s economy is hitting everyone very hard in more ways than we could ever imagine. With Layoffs, business’s cutting health benefits and small groups unable to afford the high cost of providing their employees with affordable health coverage, the employees are faced with searching out health Insurance for themselves. This can be a very tedious task and may take some patience on your part.

The internet is the best place to start but be careful of the ” Golden Egg Quote”.  It is very important that once you identify your needs and when you feel that you know what kind of Health coverage your are ready to purchase, that you talk to a “Licensed” Health agent. Far too often, there are companies that have un-quailfied personnel that try to explain the details of the health plans that are being offered.

As a person buying health coverage, you must apply to your chosen Insurance company for approval. An application must be taken and medical underwriting questions answered thouroghly. If you apply to an Insurance company and are declined due to the lack of proper underwriting, it may affect your chance of ever getting individual insurance in the future. Once declined for Insurance, that information is forwarded to the Medical Information Bureau and when you apply again, that information can cause an automatic decline on any future applications.  Be patient with the process, take the call from the licensed agent and let them do their job. As with anything, let the Professional handle it for you!

Good luck and stay healthy.

The Washington Post recently reported that Health Insurance employees are encouraged to rescind policies as much as possible. This includes going back into people’s medical history and extracting similar or same symptoms for major medical problems such as cancer. Imagine all the sudden finding out you had cancer and then being denied coverage because of some minute condition the company went digging for.

However, this is not entirely accurate, in fact, it is illegal. Any of the practices mentioned are not allowed. They can raise legal issues and can be fough tin court. However, not many know this. Often times people do not have the money to pay for legal defense, and are exhausted from new of illness already. Most of th etim eonly those with significant others, family or guardians that are wiling to fight and rexsearch on their behalf win at this.

Do NOT accept it when your insurance company denies you coverage. Fight it. It is not legal, and they are not permitted to due so. Threaten legal action and watch how fast they reinstate your policy.

Why do people wait until they are pregnant to look for health insurance and then get frustrated when 9 out 10 carriers will not carry them?

According to the American Pregnancy Association, about 13% of pregnant women do not have health insurance. Many women either receive inadequate pre-natal care or pay for their entire pregnancy out of pocket. The reason it is difficult to obtain health insurance once they are pregnant is because pregnancy is considered a pre-existing health condition. Insurance carriers know that pregnancy can be a high risk and will need more assistance with costs of health care, so most of them will deny them coverage.

There are not many options, but there are some options for health insurance for pregnant women.

1) Medicaid-If you fit into the income qualification bracket, Medicaid will help pay for pregnancy costs, even if you are already pregnant when you apply for coverage. (programs vary state by state, go directly to your state to see what is available)

2) WIC-Women, infants, and children is also a popular government sponsored option for pregnant, uninsured women.

3) Access Plans underwritten by Nova Casualty  is a guaranteed issue plan that will accept pregnant women. Depending on the plan that you choose, benefits may vary. If you would like a quote please call us directly at 1-866-488-5200.

If none of the above mentioned maternity options work for you, consider the following: using a birthing center instead of a hospital. the costs will range approximately $3,000-$4,000, which is about half of what a hospital birth would cost. Also, contact the financing department of the hospital you have chosen to give birth and see if you can set up a payment plan.

What is going on with the media? The opinions in regards to who wants healthcare reform are as varied as political third parties. I do not understand why it is that Republicans are adamant that the country does not want political reform, when public polling shows the opposite? Who is pressing who’s agenda?  Who’s side of the Health Insurance debate is the media on, and should they be taking sides in the first place?

Mediamatters reports on CNN’s piece on the fallacy of an unpopular Health Care Reform plan. Over 50 % of popular polls state they are for this reform!

You would think that with TV, Radio and the Internet information would be clearer and more truthful. Unfortunately because we are inundated with all these different mediums and develop preferences toward certain programs over others, each station, party, advertisement reaches out to its strongest benefactors and holds on tight. All this does is fuel the flames of hatred in this country and stagnate our progression as a society economically, technologically and socially.

We aren’t meant for these petty games, fighting over numbers like toddlers over crayons. We are a country that is greater than this, that can rise up beyond these simple matters. We are a country that goes out and takes our destiny with force and power because we are strong and we deserve it and we will survive. This petty squabbling is weakness. Compromise & get it solved and over with already! Votes are the only true sign of who wants what. With all the recesses and filibustering going on in congress it’s no wonder people are mad with impatience.

Whorunsgov.com reports an interesting tidbit about the current Healthcare situation. It appears CNN refuses to run an ad that singles out top Health Insurance industry executives by name. The criticism that would come toward this civilian from such a stunt would be enormous. some say this is justified however due the the massive amounts of profits and fortune they  have gathered at the expense of others.

Similar concepts have been proposed before by those feeling injustice in different aspects of our social and economic systems. For instance, the names of those who have promoted and sell bio medically engineered crop and pesticide, those who patent seeds and sue those who have been sowing them for years, and those who make massive profits off of oil drilling and distribution. Any of these names, if leaked out to the geeneral public could very well cause serious physical and financial harm to the individuals.

It is a really tough decision. Life hangs in the balance on this one. However, how many peoples lives hung in the balance for these peoples profits?

A new procedure to turn blocks of wood into artificial bones has been developed by Italian scientists, who plan to implant them into large animals, and eventually humans.

It is amazing how innovative advances in medical technology are. Imagine, just a few years ago we were hacking off peoples legs with handsaws and only gin and tonic as an anesthetic. Look at how this new process works:

To create the bone substitute, the scientists start with a block of wood — red oak, rattan and sipo work best — and heat it until all that remains is pure carbon, which is basically charcoal.

The scientists then spray calcium over the carbon, creating calcium carbide. Additional chemical and physical steps convert the calcium carbide into carbonated hydroxyapatite, which can then be implanted and serves as the artificial bone.

The entire process takes about one week and costs about $850 for a single block. One block translates to about one bone implant.

One week for a new limb. The procedure itself is even relatively inexpensive and could save lots of money for patients and Health Insurance companies. I am looking forward to this type of technology, imagine if people could have complex limbs such as hands restructured out of wood. This is one step closer to cybernetics. We need more efficient metals to be used for these purposes, that way we could even move into mechanical augmentation of human beings allowing us to surpass our physical limitations. My biggest request is for a heads up display inside the human eye. I can’t wait!

The difficulty of rising health care costs is becoming a terrible problem for many Americans, since most don’t have health insurance coverage. So this means whenever they approach an insurance company for health insurance, they are turned down on grounds of having pre-existing conditions.
Pre-existing conditions are health conditions for which you have received treatment in the past or are receiving treatment presently. Pre-existing conditions include diabetes, heart disease, high-blood pressure, and even asthma. Each insurer has its own rules and regulations to determine their own criteria for preexisting conditions. Some of the insurance companies allow complete coverage after a waiting period and some deny coverage from the start. Having a preexisting condition puts you at a higher risk for being uninsurable.

HIPAA or the Helath Insurance Portability and Accountability Act of 1996 (HIPAA) determined that health insurance carriers may or may not cover preexisting conditions. HIPAA defines preexisting conditions as a physical or mental condition for which medical advice diagnosis care or treatment was recommended or received within a six month period ending on the enrollment date. Insurance companies can exclude people who previously have had insurance coverage. The insurers can also exclude people who have been without coverage for 63 days. Also acceptance by the applicant to the health insurance policy does not guarantee that full coverage is granted right away. Typically, the insured has to endure an exclusion period of 12 months maximum following date of enrollment.

Millions of Americans are in constant search for health insurance that will accept them despite there existing medical condition. VitalOne Health is here to help you get the coverage you deserve at a price you can afford. Health insurances that are not HIPAA compliant, do not provide the insured with real insurance coverage, or peace of mind. These health plans have no contractual backing for a regulated insurer. They also unfortunately provide a false sense of security, and generally are worse than having no insurance at all. So beware of faulty pre-existing condition health insurance plans. They will only charge you money and provide very little to no benefit at all.

Visit www.vitalonehealth.com for real HIPAA compliant pre-existing condition health insurance plans. The insurers we have selected for our clients promise and deliver health insurance plans that accept all applicants regardless of pre-existing conditions. This means a guaranteed issue health insurance policy for people who cannot qualify for any other insurances due to existing illnesses is our specialty.

We welcome you with open arms to enjoy benefits from our unique health insurance that accepts you for who you are, and recognizes everyones need for quality health care regardless of the situation they’re in. Our insurance is real health insurance that provides PPO network re-pricing which will provide you and your family with huge savings and reliable benefits.

Catastrophic health insurance plans—more formally known as High Deductible Health Plans (HDHPs)—were created as a way to lower overall medical costs by providing a lower monthly premium in exchange for a higher annual health insurance deductible. With catastrophic health insurance plans, you pay for almost all medical care until you reach the annual deductible amount. After that, traditional health insurance coverage begins.

Where to Get Catastrophic Health Insurance

High deductible health insurance can usually be purchased either as an individual plan or as a group plan. Certain pre-existing conditions, such as diabetes and mental health disorders, might mean you can’t qualify for an individual catastrophic health plan without prior qualifying group coverage, or at least that you can’t get coverage for those pre-existing conditions. Group catastrophic health plans are subject to HIPAA regulations, meaning you can’t be denied enrollment or coverage, but may have to wait for coverage of pre-existing conditions, depending on your prior health insurance coverage.

What Do High Deductible Health Plans Cover?

The type of coverage varies based on which high deductible health insurance plan you choose. Always read and understand the full policy and what it covers when comparing health insurance plans. Ask your agent or company to explain anything that seems unclear, and make sure you will get or can add coverage for medical conditions you might develop. In the past, catastrophic health plans did not cover things like routine care and prescriptions. Today, however, many high deductible health plans offer coverage for routine and non-catastrophic care. However, as a general rule, the more a plan covers, the higher the premium will be. Agreeing to pay more out of your own pocket shifts some of the risk away from the health insurance company on to you, resulting in a lower monthly premium.

Should You Get a High Deductible Health Plan?

If you’re sure you can cover the deductible and want to save money on the monthly premiums, a high deductible health plan may make sense. If you qualify for an HSA or other tax-exempt medical savings account and can contribute the deductible amount, you may have an easy way to pay your out-of-pocket medical costs while saving on premiums. Most people who consider catastrophic health insurance either are getting their own health insurance for the first time or are nearing retirement. The younger group tends to be less likely to incur medical expenses because they are young and healthy, while the older group tends to have enough money to pay for most medical care unless they experience a serious illness or emergency. Typically, high deductible health plans provide the most benefit to those who don’t require frequent prescriptions or office visits.

With the advances in today’s technologies, medical science research, and day to day breakthroughs, the cost of average hospitalization is not feasible for the average American. Most Americans can’t even find affordable health insurance with today’s economy and all the recent layoffs going on. The truth is it’s more important to have insurance now more than ever. Imagine the thought of giving up everything you worked so hard for because of an unexpected accident, surgery, diagnosis, cancer and so on. Statistics prove that the number one reason most people file for bankruptcy is medical expenses for unforeseen incidents.

Nobody plans on getting hurt or ill obviously but we are all human and something is bound to happen sometime. I have a friend; young fit guy in his early twenty’s who was feeling really sick. Long story short, he was hospitalized for diagnostic testing and observation. After a week of testing they diagnosed him with crone’s disease which is not curable and requires expensive medication for life. He was billed about $80,000 for everything done to him. It will take him a very long time to pay that off because he had no insurance. Now he is uninsurable and he would give anything to go back and pick up a policy that would have at least covered him for major medical expenses.

If everyone would understand the nature of insurance and how it works, I believe everyone will be better off and maybe the economy would not be as bad as it is. People insure cars, houses, boats, business, even pets. But what good is all that if, god forbid, you develop a serious condition and require serious medical attention. I know until people get to that point or know someone who has, the thought will be put on the back burner. As an insurance agent I believe I’m part of the solution to our medical crisis by finding affordable policies that fit the price range and provide quality coverage for my clients. I’m grateful for all the referrals from previous clients over the years and I’m glad to have helped so many obtain peace of mind and protection from what really matters most: Your health and financial security.