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InsureBlog 11/11/2019 11:12
Fresh off the presses:. Just Released: 2020 LTC insurance premium deduction and tax-free benefit increases! — Bill Comfort, CLTC® (@comfortltc). Potential good news for folks considering an LTCi purchase. Not sure about timing? Well, consider this. timeless. post from our friend Herman Bruns:. ".". Original content copyright © InsureBlog.
InsureBlog 11/08/2019 09:00
For plan year 2020, history repeats:. ".". One way carriers have found to reduce their costs has been to offer ever-shrinking networks. For some, this isn. '. t an issue, but for many, who have longstanding relationships with their current providers, this can be a problem. Take, for instance, Larry: he's a long-time client, lives up in the Cleveland area (Geauga County). As with most of the state, almost all of the plans available on the 404Care.gov site are offered by erstwhile Medicaid carriers, with two notable exceptions: Medical Mutual and new kid in town Oscar Health. Larry's in his late 50's, and has some medical issues that make the Guaranteed Issue/Pre-ex coverage available on ACA plans attractive. He also has some specific doc's that
InsureBlog 11/07/2019 09:00
Hunh: "." This tracks with what we've seen in previous years: a big rush up front, then things taper off, and a last-minute flurry as folks actually pull the trigger the last few days of Open Enrollment. Of course "selecting" a plan doesn't necessarily mean buying one: just as with eBay and Amazon, people often leave their shopping carts unclaimed. Which we can sort of see in this infographic:. [click to embiggen]. I must admit that I'm puzzled by what, exactly, ". Consumers on Applications Submitted. " means. Original content copyright © InsureBlog.
InsureBlog 11/06/2019 09:00
Courtesy FoIB : " " And for those right-brained among us:. [click to embiggen]. But wait,. there's. more:. NHS 'abandoning' thousands by rationing hepatitis C drugs . — Jim Schneider (@vaoncsurgeon). But hey: Free. ! #Me. dicaid4All. Original content copyright © InsureBlog.
InsureBlog 11/05/2019 09:34
Regular readers may recall this from a few years back: "." I still do the , and dabble in the individual market as needed (current clients, referrals, that kind of thing). Recently, Sena. tor. Iron Eyes Elizabeth Warren had this observation about folks like me under her #Medicaid4All plan:. Q: Where do those who work in health insurance go when private insurance is eliminated? Sen. Warren: "No one gets left behind. Some of the people currently working in health insurance will work in other parts of insurance. In life insurance, in auto insurance, in car insurance.". — The Hill (@thehill). Hunh. It's true that home and auto insurance share a common principle: ". ." But that's where it ends. For one thing, they are two completely different licenses.
InsureBlog 11/04/2019 13:09
So last week my Better Half and I took a long-anticipated, week-long trip to The Big Easy. I had been there as a very young lad, so no real memories, and she had never been. Had a great time, ate too much really good food, and spent some time in some amazing museums (among other things). Mid-week we spent the day at the . We spent the day, but could easily have spent several more. Just extraordinary. But what was very special was the completely unanticipated personal connection to one of the exhibits. As we rounded a corner, we found a display of a carpenter's tool kit, and a plaque explaining it:. [click to embiggen]. The gentleman's name (redacted for privacy reasons, which you'll soon understand) rang a very loud bell: Some 30 years ago, o.
InsureBlog 11/02/2019 14:55
$52 trillion is the amount Elizabeth Warrens campaign is conceding her Medicare for All proposal will cost over its first 10 years. That would be $5.2 trillion each year. All of this ignores inflation which Senator Warrens plan would supposedly make vanish. Anyway, after the laughter subsided, I wondered how to express $5.2 trillion in more understandable terms. Here’s one way. The CBO projects 2019 federal spending to be Senator Warren is saying that the projected annual cost of her plan is greater than this year’s total annual federal expenditures. Show of hands please. Who wants your taxes more than doubled? Anyone? Anyone? Original content copyright © InsureBlog.
InsureBlog 10/30/2019 09:00
In case you were wondering:. If you want government to take over healthcare, here’s what’s in store... ➡️ wait times in some Canadian provinces average almost 1 YEAR ➡️ 4.4 million Brits waiting for treatment ➡️ 115k Brits got cancer diagnosis too late MUST READ by ⬇️. — Kayleigh McEnany (@kayleighmcenany). #Medicaid4All. Original content copyright © InsureBlog.
InsureBlog 10/29/2019 09:30
There are preventive tests that we should all do regularly, and for women that includes the annual Mammogram. This simple, but albeit, uncomfortable test is very effective in finding breast cancer which can lead to early treatment. Additionally, it falls under Preventive Care, thus it is paid for at 100% by insurance companies. Seems relatively simple, but there are a few landmines that can catch women unawares, turning a no-cost procedure into one that will result in a bill. The first landmine is when you enter the room. The technician will ask the women if she has any problems with her breasts. If the women answers in the affirmative, regardless of the issue (sore from an ill-fitting bra, soreness from exercise, etc.), that test has sudde.
InsureBlog 10/28/2019 09:53
The Veterans Administration gets a lot of bad press for inadequate services, most of it deserved, but now there is an issue with cleanliness. ". A new. from the Office of Inspector General for the found VA facilities generally met requirements, but cited problems with facility cleanliness and panic alarms . ". Between Oct. 16, 2017 and Sept. 14, 2018, the OIG conducted surprise inspections to 51 randomly selected VA health facilities across the country.
InsureBlog 10/24/2019 14:00
So, did my annual training/re-certification for the individual Marketplace (aka 404Care.gov ):. [click to embiggen]. On the one hand, they've actually streamlined the process for those of us with prior certification, which is nice. On the other, they've really gone to town on codifying what behaviors are kosher (helping clients set up an account) and which are not (setting one up for them). This latter seems, well, stupid , but of course they aren't interested in feedback. Which is probably just as well... Original content copyright © InsureBlog.
InsureBlog 10/23/2019 11:00
Children are society’s future. We have designed laws to protect children from harm, from fire proof pajamas to when a child is considered mature enough to make life altering decisions. As a Social Worker, my job was to protect children from unsafe home conditions. As a Medical Manger, my job is to protect both doctors and their patients from “never events”. A “” in Medicine is an event that, with proper safeguards, will or should never happen. In Texas a Custodial Court Case over the gender transition of a 7 year old male child is, in my Professional Opinion, a travesty in regards to what is best for the child. The full account of the trial can be read here: “”. The case revolved around divorced parents regarding the medical care of their 7.
InsureBlog 10/23/2019 09:00
In Human Resources, a “Purple Squirrel” is the perfect employee. The “Purple Squirrel” will have every box checked on the employer’s list, the degrees and certifications will match exactly, as well as previous job descriptions. As you, dear reader, may surmise, it is very hard to find the perfect employee. In Healthcare, the Purple Squirrels are women in management positions what we in healthcare already know, “. While many women work in the healthcare services industry in entry-level roles, there is a scarcity of women in top health management positions, according to. . ”". New data cited by the newspaper from LeanIn.Org and McKinsey & Co shows women in entry-level roles, such as nurses, home health aides and recently graduated physicians, r.
InsureBlog 10/22/2019 13:21
On the other hand, at least this time the Much Vaunted National Health Service© isn't from trying: "" That's because Britain's government-run heatlh "care" scheme isn't capable of performing the surgery on the poor toddler. He'd been diagnosed with ". a cardiac fibroma ... then fitted with a pacemaker. " as a stopgap as his folks try to raise the necessary funds for a trip Across the Pond to ". Boston Children’s Hospital for surgery, which is expected to cost $147,000. ." Those so inclined can to help out. #Medic. aid4All. Original content copyright © InsureBlog.
InsureBlog 10/22/2019 09:00
So, a lot of folks buy their prescription drugs from Canada: "." A lot of these folks also have either considered running the costs of these meds through their qualified plans, or have actually done so. No harm, no foul, right? Well, it's been kind of a gray area for a while, but thanks to our gurus of all things HSA/FSA/HRA at , we seem to have some definitive guidance (of a sort): "" For now, one must weigh the tax savings of paying for these meds from one's HSA/FSA/HRA versus the potential tax consequences if the Federales decide to crack down before this rule is actually in effect. #CaveatEmptor. Original content copyright © InsureBlog.
InsureBlog 10/18/2019 09:00
In any business, the largest two expenses are rent/mortgage and Payroll, with Payroll usually taking the number one spot. Thus, in private practices, both large and small, salaries are usually on the bottom of the pay range, meaning in a good economy it is difficult to retain good employees. It seems that Hospitals are recognizing this fact. will increase its minimum wage in 2020 from $11.00 an hour to $15.00 an hour. According to CEO Michael Fisher, “. [t]o be the leader in child health, we need to be a leader in supporting and investing in our people. Substantially increasing wages is just one way we continue to attract – and keep – top talent at all levels .”Other hospitals are also increasing wages:. “ The move follows recent announcemen.
InsureBlog 10/16/2019 09:00
I recently had occasion to write my first ever . For a number of reasons, we chose (GTL) as the carrier: they had a good plan, at decent rates, and their underwriting was a good fit for this particular client. We eventually settled on a plan design and completed and submitted the application. The underwriting process was unremarkable (that's a good thing) and the policy was issued in a reasonable time frame. Kinda. At the time it was approved, they sent me an e-version of the policy (.pdf), which was nice, but we were also told that we'd shortly receive the printed version, as well. On October 3rd, we received this in email: ". Hello Henry, We mailed the policy to the agent as indicated on the application. ." When a week or so went by with no.
InsureBlog 10/15/2019 13:46
So yesterday we noted that the American VA medical system continued circling the drain: "." It's worth noting that the VA is a prime example of gocvernment-run health "care;" no less so than that "enjoyed" by our Neighbors to the North. ©, who are quickly following suit (or have lead the way - tomayto, tomahto : "." Oh, goody. [ Note from HGS : Please excuse the light posting - we've had a family medical emergency and things are pressed here. Thanks for understanding! ]. Original content copyright © InsureBlog.
InsureBlog 10/14/2019 10:58
Last month, co-blogger Kelley told us about some of the issues surrounding health care for our vets: "." Compassion: how does it work? Well, that was then, and this is now:. "Atlanta VA hospital suspends routine surgeries amid ... shortages in sterilized equipment and sutures, staff not showing up on time....". — AssocAmerPhys&Surg (@AAPSonline). It's what you get when the government is in charge of health "care.". #Medicaid4All. Original content copyright © InsureBlog.

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