Affordable Healthcare and Health Insurance
HHS releases preventive care list updates
Two weeks ago, an independent panel recommended that FDA-approved contraceptive methods and some other services be covered 100% as a preventive care service under health care reform. The Institute of Medicine developed this recommendation at the request of the Department of Health and Human Services (HHS).
On August 1, 2011, HHS released new guidelines outlining required preventive care services for […]
Adult and Child Preventative Services List
Child Preventive Care (Birth to 18 years)
Preventive physical exams
Screening tests include:
Vision screening2
Hearing screening
Oral health assessment
Screening for lead exposure
Screening for anemia
Screening for tuberculosis
Pelvic exam and Pap test, including screening for cervical and ovarian cancer
Newborn screenings including sickle cell anemia
Developmental and behavioral assessments
Cholesterol and lipid level screening
Screening for depression
Screening and counseling for obesity
Behavioral counseling to promote a […]
Assurant offers alternative to Ohio’s high risk pool
As Ohio’s high risk pool continues to accept new members, the window of opportunity to enroll on this plan closes more and more every day. The high risk pool, which is administered by Medical Mutual of Ohio, was created as a result of the health care reform bill and is intended to provide affordable coverage […]
Medical costs on the rise
Year after year it seems that healthcare related costs are on the rise. Some reasons for the increased spending includes: increased utilization of services, an aging population and the development of new drugs and technologies.
Recently, a number of stories have documented some reasons for rising premiums, including:
A recent report from AARP says that the retail prices […]
Why are you not able to purchase an individual health insurance policy for children in Ohio (Post Health Care Reform)?
The main reason is that Ohio cannot demand insurers sell the health insurance coverage and the carriers (Anthem, UHC, Aetna, Medical Mutual of Ohio) have been forced to protect themselves against adverse selection.
Carriers are worried consumers will wait until a child is sick before trying to buy insurance. Under current conditions, those seeking coverage […]
Medicare Part D Premiums Could Increase 10% For Some Seniors In 2011
Did you know that millions of seniors face double-digit hikes in their Medicare prescription premiums next year unless they shop for cheaper coverage. Premiums will go up an average of 10 percent among the top 10 drug plans that have signed up about 70 percent of seniors, according to an analysis of Medicare data by […]
Health Reform Already Effecting Health Insurance Premiums
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We are now seeing health insurance premiums increase by up to 9% solely due to the early provisions of health reform which include:
Allowing children to remain on their parent’s policies to age 26
Guaranteed issue for dependent children
The creation of high risk pools
That being said, many of the provisions do not go into […]
Understanding Health Reimbursement Accounts and Health Reimbursement Arrangements (HRA)
In the world of consumer directed healthcare, first there was the MSA, then the HRA and finally the HSA (Health Savings Accounts). Today the HSA is king of the mountain, but for savvy employers across the country, the HRA is a tool that helps them manage their health care costs.
The Health Reimbursement Account (HRA) has […]
Joe Woods Asthma Related Death and the Family Health Insurance Planning– Cincinnati, Ohio
As you may have heard, Jovante Woods, son of former Bengals star Ickey Woods died Saturday night. He was removed from life support three days after suffering a devastating asthma attack. The school says asthma attacks are something Joe Woods struggled with throughout his life.
What a tragedy this truly is and my prayers are […]
Ohio Employers Paying for Employees Individual and Family Health Insurance Policies
Many employers in Ohio do not realize that they have the option to get individual health insurance and replace there expensive small group health policies. Whether your company is in Cincinnati, Columbus, Dayton or Cleveland this information will apply. Let’s look at the implications and understand why whether individual or a small group plan is your […]
