p Aid Org » health insurance http://p-aid.org Health Blog Mon, 07 May 2012 23:32:23 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 Passionate debate about healthcare reform http://p-aid.org/2010/02/passionate-debate-about-healthcare-reform/ http://p-aid.org/2010/02/passionate-debate-about-healthcare-reform/#comments Tue, 16 Feb 2010 08:27:38 +0000 admin http://p-aid.org/2010/02/passionate-debate-about-healthcare-reform/ health care_resizeWatching politics is a fascinating way to pass the time. People always find new ways to repackage the same basic debates in ever different forms. The media float above the fray, supposedly with a dispassionate eye. The code of the professional journalist preserves a neutral position, identifying the key facts and giving both sides of the debate a fair hearing. Unfortunately, the arrival of Fox News and the rise of the Right Wing Jocks has produced an opinion-based approach to reporting the news. This is not simply skewing the coverage. It is actually introducing new levels of venom into the debate itself, raising the profile of news reporters and commentators as demagogues, and personalising the attacks made on government. No other issue has raised the heat of passion in the debate as the proposal to reform the provision of healthcare in the US. Many on the right of the political spectrum see these proposals as a direct attack on their individual liberties and as promoting big government. They approve the rise of activism that has seen groups around the US protesting in the Town Hall Meetings run during the summer and in the so-called Tea Party protests which focus on the rise of big government and the redistribution of wealth through alleged socialist measures.

As a momentary aside, let us make a politically incorrect observation of fact. The membership of the Republican Party is, with the exception of the tokens like Michael Steele, mainly a party of white people. Similarly, the vast majority of the protesters in the events organized in 2009 are white. It is just a coincidence that the primary focus of their anger is Barack Obama. That said, the key measure in the reform package is some change to the current system of insurance. The supporters of reform argue in favor of mandatory insurance. As it is, a significant percentage of the young and healthy do not buy insurance. This forces a sharing of the cost of healthcare among a smaller and older group of people. If all adults were required to hold a policy, it would share the cost of care out among a larger group and so reduce the premiums for everyone. But the suggestion of a mandate to buy insurance is a red flag to the Republicans. The Fund for Personal Liberty has formally promised action if such a bill is signed into law. It will claim the law is unconstitutional, breaching Article 1, Section 8. For those of you uncertain of Section 8, it lists the powers of Congress but does not include mandates to interfere with the purchasing decisions made by citizens. The Fund will argue that the list is exclusive and this use of legislation is therefore unconstitutional.

In a sense, it does not matter who is proved right in the courts. What is clear is the passion on both sides of the debate about how the health insurance industry should be reformed, if at all. For those of who who need to get on with our lives with some insurance in place, spending time online is essential to find as many health insurance quotes as possible. We need to shop around to get the best deal. Selfishly, we would all hope for the premiums to fall. If it takes a mandate to force everyone to carry insurance, that seems a small price to pay.

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]]> http://p-aid.org/2010/02/passionate-debate-about-healthcare-reform/feed/ 1 Health Insurance Quotes http://p-aid.org/2010/01/health-insurance-quotes/ http://p-aid.org/2010/01/health-insurance-quotes/#comments Sun, 31 Jan 2010 15:42:40 +0000 admin http://p-aid.org/?p=259 personal-health-insurance_resizeInsurances are the most important thing for the individuals. BY getting the insurance, the people get the opportunity to get the relief from all kinds of economic problems. By the assistance of the health insurance companies, the individuals get the opportunity to get some safe preservative measurers against the losses. In the modern world there is a great importance of the Health Insurance because today the economic has touched the great height.

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]]> http://p-aid.org/2010/01/health-insurance-quotes/feed/ 1 The law changes and, for once, protects employees http://p-aid.org/2010/01/the-law-changes-and-for-once-protects-employees/ http://p-aid.org/2010/01/the-law-changes-and-for-once-protects-employees/#comments Tue, 19 Jan 2010 05:41:06 +0000 admin http://p-aid.org/2010/01/the-law-changes-and-for-once-protects-employees/ Washington likes acronyms when it comes to lawmaking and this new law is no exception. This is the Genetic Information Nondiscrimination Act and this November sees it finally come into force. Because it affects both employers and the insurance industry, this has been a hard-fought change and was only signed into law last year. Now it should prevent you from obvious discrimination. Sadly, it does not rule out discrimination by backdoor means. If an employer overhears you talking at the water cooler or routinely surveys local news including the obituaries, it is legal to use this information. But, overall, you should find some improvement. It covers two different situations with the same type of result. Firstly, it prohibits employers from asking you to go through a genetic test or making genetic information the basis of deciding whether to hire, promote or fire you. Secondly, it prohibits insurers from testing or demanding genetic information about you or your family in deciding whether to offer you coverage, in setting the premium rate and level of the deductible, or continue the cover.

employee health insurance_resizeLet’s be completely clear. The law does not care who is asking for the information If it is going to be used for either purpose, the asking is unlawful. If this happens to you in an interview, it may pose a dilemma. If you cite the law and refuse to answer, the interviewer may think you a troublemaker with something to hide and not hire you. That you can complain to the local Department of Labor and take satisfaction in seeing a civil penalty imposed, this does not replace the offer of employment in these difficult economic times. The temptation to answer will be strong. But when it comes to insurance companies, you must stand up and assert your rights. If the insurer persists, report to your state’s Department of Insurance. This will put the insurers at risk of losing their license to sell policies in your state. This is a big stick to wave in defense of your rights. More importantly, the Department can order the insurers to offer you insurance on regular terms which protects you. Once employed, it’s just as important to stay alert. The operators of group health plans are known to offer incentives like lower premiums to employees who answer a questionnaire including questions about their family medical history. Obviously, insurers want to know if there is a risk of serious diseases like cancer. You might be more at risk if there is a history of cancer in your family.

The reason for the law is important. Genetic tests are increasingly important in diagnosis and deciding on the best treatment for medical problems. Too many patients were refusing these tests because they feared discrimination should their employers or health insurance companies learn of the results. The medical profession strongly supported this change in employment and insurance law. Doctors want to be able to make an accurate diagnosis which means using the best available tests. With this law in place, your rights should be protected. If you are considering a change in insurer, remember you cannot be discriminated against when the companies give you health insurance quotes. They must always be able to prove their quotes are close to the average for people of your age, gender and general social background. If you think you are being victimized, complain.

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