Tag: health insurance

Medicare for all; Isn’t it about time we did something for the average American?

Medicare for all; Isn’t it about time we did something for the average American? The problem. Bernie Sanders has many American’s in agreement that we need a change in how insurance works in the USA. Not everyone agrees with Bernie Sanders on how to make this happen. Our overly complicated system has been ruined by private interests which include insurers, hospitals, medical suppliers and drug companies who often charge prices that nobody can relate to. The USA has the highest healthcare costs in the world, and one illness can wipe you out financially; something that is unique in our system. Read More »

Overmedicating the elderly instead of caring for them; is this a side effect of for profit medicine?

Over medicating the elderly instead of caring for them; is this a side effect of for profit medicine? Years ago, when you visited a doctor, they would spend whatever time was needed to figure out your problem. While not a perfect system, most of us thought of our doctor as not only someone who helped us in times of trouble but also someone we could rely on and trust. Some of us may have been placed on a blood pressure medicine or another medication and would be managed simply by their doctor, A specialist who may have been required if Read More »

Is it worth it to give up work income to get less expensive health insurance on the insurance exchange?

Is it worth it to give up work income to get less expensive health insurance on the insurance exchange? Unlike many western countries, our country does not have a universal healthcare system insuring all citizens.   While different countries healthcare systems may differ in both in quality and methods of delivery, our country uses private health insurers to sell and manage insurance. Healthcare providers who once were very independent are fast becoming parts of larger hospital healthcare delivery systems. Unlike other countries, our system is very entrepreneurial which has resulted in our high costs courtesy of drug companies, insurance companies, large hospital systems, large medical Read More »

Open enrollment 2018 begins November 1st; How to get the best coverage without losing your shirt.

Open enrollment 2018 begins November 1st; How to get the best coverage without losing your shirt. The anxiety level has risen for those of us who are again visiting the health care exchanges during open enrollment to get the best coverage for your hard earned dollar in 2018. You may have read that due to uncertainty, rates will rise this year.  While companies who self insure have seen costs stay stable, how is it possible that uncertainty from Washington can raise your costs? Recently, the president’s defunding of key subsidies needed for Obamacare to work aggravated the problem. The problem is that Obamacare robs Read More »

Horizon’s Blue Cross Blue Shield’s newest idea; Omnia, should the buyer beware?

Horizon’s Blue Cross Blue Shield’s newest idea; Omnia, should the buyer beware? Omnia, Horizon’s controversial new product has been making news for months, as it is a tiered product, with 40 or so hospitals being listed a tier 2, while the larger hospital systems were invited in as tier 1.  For those who use chiropractors, two per county are tier 1 and the rest of the 1700 chiropractors are tier 2.   In physical therapy, 86 percent are tier 1 and 14 percent are tier 2. What is the difference in the tier’s and how did they come up with this product. Read More »