Posts Tagged ‘health insurance’

California Assembly Approves Helmet Law…for Skiers.

July 19th, 2011 by Iris | Comments Off | Filed in health insurance, insurance specialists

The California Assembly has passed a bill requiring that snowboarders and skiers under the age of 18 would be required to wear helmets while playing on the slopes. It was approved by a party-line vote of 49-23. Not surprisingly, Republican legislators referred to the bill as the latest example of “nanny state” laws.

Supporters of the bill, SB105, say raising awareness and requiring helmets could prevent head and brain injuries which are potentially life-ending in children as well as being expensive to treat, in turn making health insurance rates soar ever higher. Those caught on the slopes without protective head gear could be fined $25.

The bill was approved by the California Senate in April, but will vote on any amendments made by the Assembly before it goes to the governor for signature or veto.

There are four other states which have such laws on their books, and two others are considering them.

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Friday Filmstrip: Dual Health Insurance

July 8th, 2011 by Iris | Comments Off | Filed in friday filmstrips, health insurance

For most people, dual health insurance isn’t something they ever have to think about; for others, it’s a necessity. If you’re in the latter category, this video has some great advice:

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Supreme Court Declines to Hear Military Malpractice Case

July 6th, 2011 by Iris | Comments Off | Filed in health insurance, insurance news

On Monday, June 27th, the U.S. Supreme Court declined, without comment, to hear the California case Witt vs. U.S., that many activists thought was the best chance in decades to eliminate malpractice liability shields for military hospitals.

The case concerned Dean Patrick Witt, a twenty-five-year-old staff sergeant from the Air Force who died after a nurse in a military hospital inserted a breathing tube down the wrong part of his throat during an appendectomy, an operation generally considered to be “routine.”

A decision made by the Supreme Court in 1950, the Feres Doctrine, blocked Witt’s family from suing the hospital for compensation.

The effort to invalidate the Feres Doctrine has received significant support from veterans groups and active-duty military officers, seven of whom filed briefs in Witts case, in order to demonstrate the public’s interest in this legislation.

After the Supreme Court declined to hear the case, U.S. Representative Maurice Hinchey (D – New York) said that later this year he’ll reintroduce legislation to change the law, but he pointed out that it’s already survived more than a few legal challenges and congressional attempts to overturn it, so he’ll be fighting an uphill battle.

Two years ago, a similar bill that Hinchey co-sponsored, proposed in the name of a 29-year-old Iraq war veteran of the Marines who died of skin cancer that his family believes was misdiagnosed, saw some movement, but the Republicans on the Hill opposed the measure claiming it would open up the military to expensive lawsuits that would not service families, but would benefit trial attorneys.

If the law is changed, the federal government would be exposed to billions of dollars in liability claims, which makes it incredibly unlikely that this Congress, already facing sharp partisan divisions and hunting for ways to cut expenses, will pass any such legislation.

The official estimate from the Congressional Budget Office is that the government would have to pay out about $135 million a year in claims, more if the law was written to be retroactive. Hinchey maintains, however, that the cost would be less than that estimate, since his proposed law would mean a better level of care in military hospitals, resulting in fewer negligence claims. He pointed out that federal prisoners have more rights than members of the military and their families when it comes to seeking recompense for medical malpractice.

Speaking to the press about the case, Hinchey said, “It is disappointing that the Supreme Court has again failed to correct the mistake it made 61 years ago when it wrongly decided Feres.”

The Austin, TX-based attorney whose firm represented the Witt famly, Jamal Alsaffar, said that he and other activists had been hopeful that this case would lead to a change in the law. He believes that Hinchey’s proposal in Congress is the best hope now.

“We’re not going to give up the fight for these military families,” Alsaffar said to the press. “We’re going to do whatever we can do to right this wrong.”

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Too Old for Pediatrician?

July 4th, 2011 by Iris | Comments Off | Filed in advice and how-tos, health insurance

It’s a question many of us don’t remember asking, but at some point in our lives, often when we’re eighteen and heading off to college, we make the transition from seeing a pediatrician to getting our health care from an adult doctor. As a parent, however, you have to help your teenager make that transition. Here are a few tips to help you do that:

– Make the switch as soon as your teenager expresses discomfort with the pediatrician or the pediatrician’s environment. This often happens around the age of 13. If your child has a good relationship with their pediatrician, at least make the switch before college. For girls, they may need to make this transition as soon as they have their first period.

– Ask your pediatrician for help. They won’t be offended, and they may be able to offer suggestions for family practitioners or internists who see patients under the age of eighteen.

Helping your teen transition away from their pediatrician is a vital step in raising a child, but there’s one more vital step for you: contact your health insurance company, and make sure they have all the necessary information for the new doctor.

– Help your teen prepare for their first visit to the “adult” doctor by making a list of questions they’d like to ask. Don’t read the list, just give suggestions.

– Encourage your teenager to be involved in decisions about their medical care. Until they turn eighteen, the ultimate decisions are yours, but their opinions should be considered.

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VA County to Charge for Ambulance Service

June 22nd, 2011 by Iris | Comments Off | Filed in health insurance, insurance news

In an effort to improve their emergency equipment and provide better training to emergency first responders, Prince William County, Virginia has made the decision to begin charging health insurers for ambulance services.

Effective July 1, whenever a patient is transported to the hospital via an emergency medical service, the county will bill the patient’s insurance company. This includes both Medicaid and Medicare, but county officials stress that individuals will not be charged.

The fee schedule for ambulance fees is:
– $400 for basic life support services
– $500-$700 for any advanced life support services, depending on the extent of care.

According to the Prince William County fire chief, these fees should generate about $3.1 million each year for the county.

Prince William County is not the only county in Virginia that has imposed such emergency service fees.

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Missouri Hospitals Just Say No to Hiring Smokers

June 20th, 2011 by Iris | Comments Off | Filed in health insurance, life insurance

It’s long been known that having a smoking habit can affect what you pay for life insurance or health insurance, but starting next month, it will also mean you can’t get a job at seven of the hospitals in and around St. Louis, Missouri.

Beginning in July, 2011, applicants to work at SSM Health Care will be asked if they have used tobacco products in the last six months, and those who answer yes will be removed from consideration, a report in the St. Louis Post-Dispatch said.

Chris Sutton, a spokesperson with SSM explained, “As an organization that provides health care, we want to encourage our employees to take better care of themselves and set good examples for our patients.” Sutton said that since having, “…healthier employees does mean lower health care costs…” hospitals will save money.

A report from the Centers for Disease Control and Prevention estimates that every smoker costs a corporation about $3,400 a year in lost productivity and health care costs.

SSM facilities have all been smoke-free since 2004, and current employees who smoke won’t be required to adhere to the non-smoking policy when they’re off duty.

While this new policy only applies to the SSM hospitals in Missouri, there are about 6,000 companies around the country that have also stopped hiring smokers, says the New Jersey-based National Workrights Institute, and organization dedicated to workers’ rights issues. While this practice seems discriminatory, it’s allowed under Missouri state law for certain employers, including health care providers. Officials of SSM plan to lobby for similar legislation in Illinois, Oklahoma, and Wisconsin, where they operate other facilities.

Workers’ rights groups maintain that the shift to a smoke-free work force could lead to similar bans on other unhealthy-but-still-legal behaviors like eating fast food and drinking alcohol. Some are also concerned that anti-smoking policies such as the one espoused by SSM could be punishing for low-paid employees like cafeteria workers and janitors who are addicted to nicotine.

Michael Siegel, a professor at the Boston University School of Public Health put it this way: “If enough of these companies adopt these policies and it really becomes difficult for smokers to find jobs, there are going to be consequences. Unemployment is also bad for health.”

Health care providers are at the front of the trend away from employing people who smoke. The Cleveland Clinic stopped hiring smokers four years ago, and since then, hospitals in Texas, Tennessee, Pennsylvania, Ohio, Massachusetts, Georgia and Florida have done the same.

Another Missouri hospital, St. Francis Medical Center in Cape Girardeau also has a policy against hiring smokers. Explains hospital chief executive Steve Bjelich, “We felt it was unfair for employees who maintained healthy lifestyles to have to subsidize those who do not. Essentially that’s what happens.”

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More People Praying About Their Health

June 3rd, 2011 by Iris | Comments Off | Filed in alternative health plans, health care reform, health insurance, women and insurance

Maybe it’s a sign of troubling times in general, or maybe it’s a direct response to the way health insurance costs have risen over the past several years, but apparently the number of American adults who are praying about their health issues rose 36 percent from 199 to 2007.

This information comes from a study recently published by the American Psychological Association. The researchers involved looked at data from the Centers for Disease Control and Preventions’ National Health Interview surveys for the years 1999, 2002, and 2007, and focused mainly on comparing the results of the latter two surveys which included responses from 30,080 adults from 44,540 households in 2002 and 23,393 adults from 40,377 households in 2007.

According to the study’s lead author, Amy Wachholtz, PhD, from the University of Massachusetts medical School, “The United States did have an increase in worship attendance across multiple religious faiths immediately after the 9/11 attack, but that has not stayed elevated. However, people continued to use informal and private spiritual practices such as prayer. There is also a greater public awareness of Buddhist-based mindfulness practices that can include prayerful meditation, which individuals may also be using to address a variety of health concerns.”

Increased prayer was noted in people whose health dramatically declined as well as those whose health significantly improved, suggesting that it was a method of coping with the changing circumstances of their health, according to the study.

A greater amount of prayer was noted in most demographic groups, though those with higher incomes were less likely to pray about their health than those with lower incomes. The most likely people to pray about health conditions were the well-educated, women, and African-Americans.

However, while prayer was used by people with good incomes and decent medical insurance, Wachholtz pointed out that, “People are not exchanging health insurance for prayer.”

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