Author: Yamileth Medinabr
Source: articlesbase.combr
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A sad story in Miami, Florida regarding health insurance was recently brought to my attention. It highlights the flaws inherent in both public and private health insurance plans, and is an example of why healthcare reform is so important. A friend of mine has an ailing grandfather, named Benito Jimenez. Benitos daughter, Maria Conroy cares for him 24/7, and has taken charge of navigating the complexities of his insurance coverage. Her 85-year-old father has Medicare, but also has a Medicare Advantage administered by Humana. This would seem like an ideal compromise of the government and corporations, which would allow them to provide the best healthcare possible. Instead, its only brought Maria and her family one frustration after another. Benito suffers from various conditions, but his health recently took a turn for the worse. He has developed anemia, which decreases the amount of healthy red blood cells. Severe anemia prevents your body from pumping oxygen everywhere its needed, so its obviously an urgent concern, especially for senior citizens. His doctors arent sure where his internal bleeding is coming from, though Maria suspects that its related to a previous stomach ulcer that was caused due to Benito taking a large combination of medications daily. The recommended test is an endoscopy, generally considered a simple and safe procedure (as opposed to a colonoscopy, which is more invasive). Unfortunately, possibly due to Benitos age, his gastroenterologist–part of his primary care doctors team–refuses to perform it himself, despite being able and certified to do so–Maria feels that he is most likely scared of a malpractice lawsuit. Maria begged him to allow her to sign a waiver removing his liability, but he refused to take the risk of doing it on an outpatient basis. That gastroenterologist further explained that he would be obligated to do any and all tests necessary to save Benitos life if he was in a hospital setting. After the gastroenterologist told them to go to the hospital (where the procedure would be performed at a higher cost to them, as well as their health insurance), Maria and Benito were kicked back to their primary care physician. Despite Benitos hemoglobin level being a very low 8.5, they were told that he wouldnt be referred to a hospital until his hemoglobin level was 7. She is unclear as to whether the doctor or the insurance company establishes this arbitrary rule. If they had investigated his medical history, a hemoglobin level of 8 had previously sent Benito to the hospital in need of a blood transfusion. In the infinite wisdom of Medicare and Humanas reimbursement rules, they would not offer preventative treatment until he was in critical condition and needed even more medical care. This runaround was costly for Maria, both financially and emotionally. Benito was prescribed an increasing number of medications to mask his symptoms, but they produced other side effects and exacerbated his main problem (while also resulting in higher co-pays). She felt that the doctors were condescending and were more focused on preventing health insurance fraud than providing care. While Medicare fraud is relatively common, the preventative measures may have backfired. Honest, ethical patients and their loved ones dont receive the care they need, because they are unaware of the loopholes. For example, a previous cardiologist of Benitos once referred him to Baptist Hospital in Miami, in order for another specialist to examine him; however, his insurance company wouldnt pay for a visit to that particular hospital. The cardiologist suggested that he pretend to faint somewhere in close physical proximity to the hospital or in the hospital lobby, so they would be forced to admit him and later discover what he actually needed. This suggestion shocked and dismayed Maria. For too many doctors, the health insurance bureaucracy has changed their caring vocation into an impersonal business. Ideally, healthcare reform would change this, eventhough this story shows an negative example of government involvement in health insurance. The saddest part of Marias story is that Benito was present when a cardiologist his primary care doctor urged him to consult with shockingly informed Maria, as if he wasnt capable of understanding or wasnt listening, that further investigation would be pointless due to his frail condition–or at least, not enough of a sure thing to avoid the risk of lawsuits. They indirectly, but essentially told her, in front of him, that he should go home, medicate the symptoms and wait to die. Again, their fear of malpractice judgments and desire to bill Humana and the federal government (thereby making up for decreased funding that cut reimbursement rates) for as many procedures as possible overtook their oath to do no harm. It seems as though they prefer to wait until someone is in critical condition to provide preventative care, which results in their needing even more medical care. Meanwhile, Benitos condition was far from terminal. A previous gastroenterologist agreed to perform an outpatient procedure, but his insurance was only willing to cover the specialist recommended by his primary care doctor. As opposed to working together for the benefit of the patient, that doctor steered them to the uncooperative gastroenterologist described above. Since the outcome was unsuccessful, Maria eventually managed to get her fathers initial gastroenterologist covered under his health insurance plan; however, the delay was detrimental to his care. Benitos anemia is now critical: this lessens the chances of success of an outpatient endoscopy and might mean that hell need a hospital stay, after all. In Marias own words, the health insurance industry has enacted its own cash for clunkers program. Only in this case, the so-called clunkers are older Americans being sent to the junkyard. Theres a lot of fault to go around: Medicare stretches its budget to the limit and has bureaucrats making coverage decisions, while for-profit insurers like Humana have CEOs and shareholders that also demand a reduction in costs. The patients themselves–our parents, grandparents, siblings, children, partners, and friends–are lost in the midst this battle, even though they should be the most important factor of all. Some opponents of the public option claim that it will lead to the forced euthanasia of seniors, while others believe those claims are overblown. Nevertheless, indirect euthanasia is already happening right now; this is a case in point. Healthcare reform is a complicated issue, and its deeper than greater availability of affordable health insurance. That wont matter if, after paying premiums and/or taxes for decades, your insurance wont give you the care you need most. I dont claim to know what proposal will work best, but Maria says that the current system is broken and that we urgently need healthcare reform of some kind. Everybody doesnt have a family member to be an advocate, she adds. I worry about how many elderly people fall through the cracks without someone to find the loopholes work the system for them.br
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pYamileth Medina is an up and coming expert on a rel=nofollow,nofollow href=http://www.vitalonehealth.comHealth Insurance/a and a rel=nofollow,nofollow href=http://www.healthinsurancesearch.com/healthcare-reform/Healthcare Reform/a. She aims to help people realize that they can get affordable a rel=nofollow,nofollow href=http://www.vitalonehealth.comaffordable health insurance/a right now while waiting for a public option, if it ever gets passed. Yamileth lives in Miami, FL./pbr
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Author: Yamileth Medinabr
Source: ezinearticles.combr
br
A sad story in Miami, Florida regarding health insurance was recently brought to my attention. It highlights the flaws inherent in both public and private health insurance plans, and is an example of why healthcare reform is so important. A friend of mine has an ailing grandfather, named Benito Jimenez. Benitos daughter, Maria Conroy cares for him 24/7, and has taken charge of navigating the complexities of his insurance coverage. Her 85-year-old father has Medicare, but also has a Medicare Advantage administered by Humana. This would seem like an ideal compromise of the government and corporations, which would allow them to provide the best healthcare possible. Instead, its only brought Maria and her family one frustration after another.

Benito suffers from various conditions, but his health recently took a turn for the worse. He has developed anemia, which decreases the amount of healthy red blood cells. Severe anemia prevents your body from pumping oxygen everywhere its needed, so its obviously an urgent concern, especially for senior citizens. His doctors arent sure where his internal bleeding is coming from, though Maria suspects that its related to a previous stomach ulcer that was caused due to Benito taking a large combination of medications daily. The recommended test is an endoscopy, generally considered a simple and safe procedure (as opposed to a colonoscopy, which is more invasive). Unfortunately, possibly due to Benitos age, his gastroenterologist–part of his primary care doctors team–refuses to perform it himself, despite being able and certified to do so–Maria feels that he is most likely scared of a malpractice lawsuit. Maria begged him to allow her to sign a waiver removing his liability, but he refused to take the risk of doing it on an outpatient basis. That gastroenterologist further explained that he would be obligated to do any and all tests necessary to save Benitos life if he was in a hospital setting.

After the gastroenterologist told them to go to the hospital (where the procedure would be performed at a higher cost to them, as well as their health insurance), Maria and Benito were kicked back to their primary care physician. Despite Benitos hemoglobin level being a very low 8.5, they were told that he wouldnt be referred to a hospital until his hemoglobin level was 7. She is unclear as to whether the doctor or the insurance company establishes this arbitrary rule. If they had investigated his medical history, a hemoglobin level of 8 had previously sent Benito to the hospital in need of a blood transfusion. In the infinite wisdom of Medicare and Humanas reimbursement rules, they would not offer preventative treatment until he was in critical condition and needed even more medical care. This runaround was costly for Maria, both financially and emotionally. Benito was prescribed an increasing number of medications to mask his symptoms, but they produced other side effects and exacerbated his main problem (while also resulting in higher co-pays). She felt that the doctors were condescending and were more focused on preventing health insurance fraud than providing care. While Medicare fraud is relatively common, the preventative measures may have backfired. Honest, ethical patients and their loved ones dont receive the care they need, because they are unaware of the loopholes. For example, a previous cardiologist of Benitos once referred him to Baptist Hospital in Miami, in order for another specialist to examine him; however, his insurance company wouldnt pay for a visit to that particular hospital. The cardiologist suggested that he pretend to faint somewhere in close physical proximity to the hospital or in the hospital lobby, so they would be forced to admit him and later discover what he actually needed. This suggestion shocked and dismayed Maria.

For too many doctors, the health insurance bureaucracy has changed their caring vocation into an impersonal business. Ideally, healthcare reform would change this, even though this story shows an negative example of government involvement in health insurance. The saddest part of Marias story is that Benito was present when his primary care doctor shockingly informed Maria, as if he wasnt capable of understanding or wasnt listening, that further investigation would be pointless due to his frail condition–or at least, not enough of a sure thing to avoid the risk of lawsuits. They indirectly, but essentially told her, in front of him, that he should go home, medicate the symptoms and wait to die. Again, their fear of malpractice judgments and desire to bill Humana and the federal government (thereby making up for decreased funding that cut reimbursement rates) for as many procedures as possible overtook their oath to do no harm. It seems as though they prefer to wait until someone is in critical condition to provide preventative care, which results in their needing even more medical care. Meanwhile, Benitos condition was far from terminal. A previous gastroenterologist agreed to perform an outpatient procedure, but his insurance was only willing to cover the specialist recommended by his primary care doctor. As opposed to working together for the benefit of the patient, that doctor steered them to the uncooperative gastroenterologist described above. Since the outcome was unsuccessful, Maria eventually managed to get her fathers initial gastroenterologist covered under his health insurance plan; however, the delay was detrimental to his care. Benitos anemia is now critical: this lessens the chances of success of an outpatient endoscopy and might mean that hell need a hospital stay, after all.

In Marias own words, the health insurance industry has enacted its own cash for clunkers program. Only in this case, the so-called clunkers are older Americans being sent to the junkyard. Theres a lot of fault to go around: Medicare stretches its budget to the limit and has bureaucrats making coverage decisions, while for-profit insurers like Humana have CEOs and shareholders that also demand a reduction in costs. The patients themselves–our parents, grandparents, siblings, children, partners, and friends–are lost in the midst this battle, even though they should be the most important factor of all. Some opponents of the public option claim that it will lead to the forced euthanasia of seniors, while others believe those claims are overblown. Nevertheless, indirect euthanasia is already happening right now; this is a case in point. Healthcare reform is a complicated issue, and its deeper than greater availability of affordable health insurance. That wont matter if, after paying premiums and/or taxes for decades, your insurance wont give you the care you need most. I dont claim to know what proposal will work best, but Maria says that the current system is broken and that we urgently need healthcare reform of some kind. Everybody doesnt have a family member to be an advocate, she adds. I worry about how many elderly people fall through the cracks without someone to find the loopholes to work the system for them.

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br
pYamileth Medina is an up and coming expert on Health Insurance and a target=_new href=http://www.healthinsurancesearch.com/healthcare-reform rel=nofollowHealthcare Reform/a. She aims to help people realize that they can get an affordable health insurance plan right now while waiting for a public option, if it ever gets passed. Yamileth lives in Miami, FL./pbr
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Author: Mark Alison
Source: ezinearticles.com

Discount health insurance may seem like a contradiction in terms, but there are plans and policies offering varying levels of discounts. How much you might be able to save will depend on a lot of factors however, and “discount” doesn’t always mean what you might think it means.

As health care premiums continue rise, nearly everyone is eager to find more affordable health insurance. With this comes an increase in the numbers and types of products trying to fill this void. One product recently gaining a lot of attention is the “discount health card”. Unfortunately, these products are frequently positioned as health insurance products or policies, which can be very misleading – often intentionally so.

Though it’s often difficult to distinguish, it’s important to understand the difference between health insurance and discount health cards. A discount health card is not health insurance, but rather more like a “discount club”. These cards can save considerable costs, but they aren’t insurance. A legitimate card can provide discounts on some services, prescriptions, dentists, doctor office visits, etc.

Most discount health plans come through “health maintenance organizations”, the now-familiar HMO. An HMO lowers it’s costs by using it’s size, the number of active participants, to sign up participating doctors, clinics, etc., and negotiate prices for services that can be considerably lower than “direct” pricing.

For employees, low-cost insurance comes through employer-provided group insurance plans. These plans may include HMO’s, and the underlying cost-structure is the same: larger groups can negotiate lower costs.

Some states offer low-cost or discounted insurance for children through the SCHIP or State Children’s Health Insurance Program. This program charges a small monthly fee along with a nominal co-payment when care is rendered or prescriptions are filled. Availability is based on income, and generally only those earning low wages will qualify.

If you’re at the lowest-end of the income scale, you might qualify for Medicaid, an excellent program for those who qualify. Medicaid is free. In addition, Medicare recipients may also qualify for additional assistance from Medicare.

Even those who’s medical health care is provided through Medicaid have choices. Visiting the US Health and Human Services Department can give you additional information.

For those who qualify and want to join the American Association of Retired Persons, there is help provided for those receiving Medicare.

Discount health insurance may not be easy to find, but it isn’t impossible either. As with so many other things though, the burden falls on the consumer to find and understand what their options are. You’ll have to make the effort to research what’s available, and learn a little bit about the health care industry in order to fully understand your options, avoid falling prey to scams, and understand exactly what you are getting for your hard-earned money. With that said, those who do take the time and make the effort may find themselves amply rewarded: according to the US Health and Human Services Department, the difference in overall costs – premiums and co-payments – between discount health insurance and “full-retail” prices can be as much as 50% or more!

Click here to for information on Discount Health Insurance Plans and getting Discount Health Insurance.