Posts Tagged ‘health insurance’

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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North Carolina Still Lacks Employee Health Plan Decision

April 26th, 2011 by Iris | Comments Off | Filed in health care reform, health insurance

The state legislature in North Carolina went home for the weekend last Thursday without coming to an agreement on the cost of health insurance for state employees, teachers, or retired persons. At that point they were already outside the deadline that had been given.

Earlier last week, Governor Beverly Perdue vetoed a proposal that would require all active employees to pay a monthly premium for their own health insurance for the first time in state history. As a result, a new insurance bill is required.

Last Wednesday, the North Carolina House approved a measure to retain an insurance option for those workers that did not include a monthly premium, but Republicans in the state Senate didn’t like the fact that it would cost roughly $16 million in state funding over two years. The vetoed plan had been designed to close a $515 million likely shortfall between expenses and revenues through mid-2013.

Speaking about the issue, Senator Tom Apodaca (R-Henderson) said, “It just wasn’t acceptable to our caucus at this point, so there’s no reason to stay around.” Apocada was the chief sponsor of the bill that Governor Perdue vetoed.
Apocada added that there have been several new options presented, including one that gives retirees also covered by Medicare an option without premiums, but that there hadn’t been enough time to negotiate with the House.

Jack Walker, Executive Administrator of the North Carolina State Health Plan told legislative leaders that he would be moving ahead with July 1 enrollment plans based on the cost of premiums as of last Thursday afternoon. House Speaker Thom Tillis (R – Mecklenburg) explained that the delay will probably mean a second enrollment period once new premiums have been determined.

Last week, Governor Perdue explained that the biggest factor that went into her decision to veto the bill was that teachers – and specifically the North Carolina Association of Educators – were not involved in the original negotiations.

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In Brief: AZ Governor Vetoes Health Care Bill

April 21st, 2011 by Iris | Comments Off | Filed in health care reform, health insurance

Earlier this week Governor Jan Brewer of Arizona vetoed SB 1592, a bill which directed the Governor to form specific compacts with other states on behalf of Arizona, in order for citizens there to purchase health care insurance across state lines.

Her, reason, she wrote in her veto letter, included the fact that directing the governor to sign such an agreement would violate the separation of powers requirement outlined in Article 3 of the Arizona constitution.

While Governer Brewer was wielding her veto stamp, she also vetoed Arizona’s so-called “birther” bill, which would require political candidates to provide specific documentation (beyond their short-form birth certificates) in order to appear on ballots in the state, and another bill that would have authorized students to carry guns on campus.

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Excerpts From President Obama’s Speech About the Budget

April 14th, 2011 by Iris | Comments Off | Filed in health care reform, health insurance

Yesterday, President Obama made a speech about his plan for sensible budget reform. As health care is one of his pet issues, and one we believe is vitally important, we were pleased to hear his views on that subject.

What follows are a two numbered excerpts from the speech:

1. “Our approach lowers the government’s health care bills by reducing the cost of health care itself.

“Already, the reforms we passed in the health care law will reduce our deficit by $1 trillion. My approach would build on these reforms. We will reduce wasteful subsidies and erroneous payments. We will cut spending on prescription drugs by using Medicare’s purchasing power to drive greater efficiency and speed generic brands of medicine onto the market. We will work with governors of both parties to demand more efficiency and accountability from Medicaid. We will change the way we pay for health care — not by procedure or the number of days spent in a hospital, but with new incentives for doctors and hospitals to prevent injuries and improve results. And we will slow the growth of Medicare costs by strengthening an independent commission of doctors, nurses, medical experts and consumers who will look at all the evidence and recommend the best ways to reduce unnecessary spending while protecting access to the services seniors need.”

2. “But let me be absolutely clear: I will preserve these health care programs as a promise we make to each other in this society. I will not allow Medicare to become a voucher program that leaves seniors at the mercy of the insurance industry, with a shrinking benefit to pay for rising costs. I will not tell families with children who have disabilities that they have to fend for themselves. We will reform these programs, but we will not abandon the fundamental commitment this country has kept for generations.”

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Texas Says, “We’ll Help You Shop Around”

March 24th, 2011 by Iris | Comments Off | Filed in auto insurance, health insurance, homeowners insurance, insurance facts

The Texas legislature recently filed two separate bills that would require insurance companies to be more forthcoming with customers with regard to rate increase information, and would also expand consumer resources for shopping the insurance market.

In the words of Representative Armando Walle (Houston), House Bills 2723 and 2724 would, “…help consumers fully understand the premium increases imposed by insurance companies and will give consumers information on how they can shop around.”

According to the website for the Texas House of Representatives, HB 2723 addresses accident and health insurance policies. The measure stipulates that insurers must give policyholders sixty days’ notice of rate increases, and the notification has to include the amount of the increase, and how consumers can file complaints. The measure also requires that rate increase information be post to the web, and consumers notified of where it can be found, what the justifications for the increase are, and what alternative coverage options may exist.

HB 2724, according to the same website, includes similar stipulations addressing residential property and personal automobile insurance. At the time of policy renewal, the policyholder’s existing insurer would be required to provide a side-by-side comparison of new and old rates, provide information on any changes in coverage, and offer resources on how consumers can shop around for different coverage. In addition, deductibles must be stated as a dollar amount, and not as a percentage of the policy’s total value.

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Blue Shield Cancels Rate Hikes

March 17th, 2011 by Iris | Comments Off | Filed in health insurance, insurance news

Blue Shield of California announced earlier this week that it has canceled health insurance premium increases that averaged 6.5 percent and went as high as 18 percent.

The increase would have affected almost 200,000 Blue Shield customers, and would have been the insurer’s third such increase in recent months. The decision to cancel this increase was influenced by pressure from California state officials, and by opposition from policyholders, the Los Angeles Times said, yesterday.

Insurance industry analysts don’t believe this rate increase cancellation will cause much financial impact to Blue Shield, since it’s been paying out less money in medical claims than it anticipated when building the year’s budget. In fact, medical spending has been lower than expected lately for WellPoint, Inc., and Aetna as well as Blue Shield – saving all three companies millions of dollars, although officials at those companies say that it’s not because people are healthier, but rather that more people are choosing not to have health insurance.

As WellPoint spokesperson Kristin Binns said, “In times of recession, you see people choosing to forgo elective procedures because of their budgets.”

Some analysts say that if people continue to base their medical decision on economics, it could slow the rise of health care costs.

“This is a win-win potentially for both health insurers and the insured,” said Gavin Magor of Weiss Ratings in Jupiter, Fla. His company reported that hundreds of insurers across the nation saw no rise in benefits payouts last year.

However, other analysts warn that this trend also comes with the risk that people will skip vital care.

Explains Shana Alex Lavarreda of the UCLA Center for Health Policy Research, “When you put preventive services off, you put off appropriate care that may have helped save you from having a more costly condition.”

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Maine Gets Health Care Waiver

March 10th, 2011 by Iris | Comments Off | Filed in health insurance

The state of Maine has been granted a waiver for one of the core provisions in the health care overhaul that was passed last year, due to the likelihood that enforcing the provision could completely destabilize the state’s market for individual health insurance.

According to a letter from the U.S. Department of Health and Human Services, it is waiving the requirement that insurance companies must spend a minimum of 80 cents of every premium dollar on medical care and quality improvement. Maine is being allowed to maintain it’s current standard of a minimum of 65 cents of every dollar, though HHS has stated that it will review the figures in two years, and could revoke the waiver at that point.

This decision has made Maine the first state to receive a waiver of this requirement. Requests from Kentucky, Nevada, and New Hampshire are currently pending.

Maine Insurance Superintendent Mila Kofman said the waiver was requested out of the fear that one of the three major insurers in the state would withdraw from the market completely. That insurer, MEGA Life and Health Insurance Co, currently holds 37% of the state’s individual health insurance policies.

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