Tag: health insurance

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 »

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 »