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Regulated marketplaces will help consumers find affordable care

For those of us not lucky enough to be insured by our employers, having to face the daunting task of navigating the private insurance market can cause heart palpitations. The current insurance market is confusing and overwhelming; there is no one state or federal entity that regulates all markets nor is there much regulation on what information insurers must provide to consumers. Therefore it is often difficult for consumers to know what exactly they are getting under each plan, until it's too late.

discuss |  Permalink |  Category: Health Care Costs,Insurance Industry,Pre-Existing Conditions

Americans can expect better out-of-pocket protections

A common misconception about health insurance is that if you are covered, you don't have to worry about skyrocketing health care costs. We pay insurance companies premiums every month so we won't have to shell out tons of money when we get sick, right? In theory that's true, but in practice it doesn't always work out that way.

discuss |  Permalink |  Category: Affordability,Health Care Costs,Insurance Industry,Underinsurance and Medical Debt

Insurance companies can no longer deny coverage

It is likely sometime in your life that you, or someone you know, have been denied insurance coverage due to a pre-existing condition. According to a report recently released by the U.S Department of Health and Human Services: 12.6 million non-elderly adults - 36 percent of those who tried to purchase health insurance directly from an insurance company in the individual insurance market - were in fact discriminated against because of a pre-existing condition in the previous three years.

discuss |  Permalink |  Category: Health Care Costs,Insurance Industry,Pre-Existing Conditions

Health reform benefits are exceedingly popular

The victory on health reform was long overdue and will make great strides in improving the lives of millions of American families-bringing us closer to a more just and equitable health care system. But you wouldn't know it to talk to opponents of reform. Despite the popularity of the individual provisions of the health reform law, opponents have continued their tactics of misinformation and negative rhetoric. 

discuss |  Permalink |  Category: Affordability,Health Care Costs,Insurance Industry,Pre-Existing Conditions

Breaking: The House passed health reform!

Today, you helped make history. The House passed the Senate health reform bill. All of your hours, months, and years of hard work made this once-in-a-lifetime victory possible.

discuss |  Permalink |  Category: Affordability,Congress,Health Care Costs,Insurance Industry

Have they really sunk this low?

Insurance companies have demonstrated some pretty egregious practices when it comes to who they'll cover and if they'll take away coverage. We've heard horror stories, but this one takes the cake. Reuters reported yesterday that in 2002, 17-year-old Jerome Mitchell, a college freshman, was dropped from his insurance plan because he was diagnosed with HIV.

discuss |  Permalink |  Category: Insurance Industry,Pre-Existing Conditions,Uninsured Americans

What’s Social Security Got to Do with It?

If you watch the news on TV or read a newspaper, you know that a lot of Americans are nervous about health reform. One recent poll, conducted by Ipsos-McClatchey on February 26-28, found that 41% of Americans favor reform, while 47% oppose. And that's in line with what the media have been telling us, isn't it?

discuss |  Permalink |  Category: Affordability,Insurance Industry,Uninsured Americans

Ask a doctor about reform

You may have seen a television commercial where a woman at a restaurant is asking her waiter endless questions about menu items. But then, when the same woman is shown at her doctor's office and is asked by her doctor if she has any questions, seemingly out-of-character, she replies with a "no."

discuss |  Permalink |  Category: Affordability,Health Care Costs,Insurance Industry,Underinsurance and Medical Debt,Uninsured Americans

Marcelas Owens: Our Youngest Health Care Lobbyist

When I was in elementary school, I spent my time playing inmy backyard or running around with my friends on the playground, I certainlydidn't think much about health care. But that's probably because I didn't haveto: I was always covered through one of my parents' jobs and so was my entirefamily.

discuss |  Permalink |  Category: Affordability,Health Care Costs,Insurance Industry

When will they say “enough is enough”?

First, there were the highly publicized rate hikes in California. Then, the Department of Health and Human Services released a report detailing rate hikes in several more states. And then there was WellPoint, who joined the club last week by jacking up premiums in 11 states.

discuss |  Permalink |  Category: Affordability,Health Care Costs,Insurance Industry

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