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Where To Get The Best And Cheapest Health Insurance

The concept of health insurance is rapidly gaining momentum in urban locations. Quite often employees from the corporate sector do not buy health insurance as this facility is offered by their employers. However shifting of jobs may lead to invalidation of the policy and if you are a part of family holding responsibilities, it is safer to stay insured with some health insurance. It is the best financial security guarding you against costs related to any health inconvenience. The best health insurance in India covers most of the critical illnesses besides facilitating cashless transactions, providing health check-up at no extra costs and other benefits. It is as easy to buy health insurance as it is difficult in choosing the right policy. Going online can only help you grab the best health insurance India besides availing the cheapest.

Hectic schedules are the order of the day and you will certainly not have the time to visit insurance brokers, listen to their suggestions in addition to reading the benefits of the various policies one after another. An online search is effortless and a time-saving affair. You need not visit insurance agents or brokers; from the comfort of your space, you can instantly buy health insurance online – that too the best and at the cheapest price. One online insurance service provider that is the talk of the town amongst budget conscious and health-conscious people is EIndiaInsurance.com. You can select the cheapest health insurance policy India by comparing various policies offered by the leading insurance companies in just a matter of minutes. It has in its list insurance providers like TATA AIG, Bajaj Allianz, Future Generali, ICICI Lombard, Reliance, Apollo DKV, Iffco Tokio, Cholamandalam, to name a few. Payment options are designed as per the buyer’s preference in three options, viz. credit card, debit card and cheque; you can opt for any of the alternatives.

COBRA Subsidy Expires: Less Affordable Health Insurance for Unemployed

Finding affordable health insurance is one of the primary concerns for people who have recently become unemployed. If your job offered health insurance benefits, the premiums were heavily subsidized by the company. Moreover, the cost of underwriting policies is spread among the entire workforce. This makes employer-sponsored health insurance relatively inexpensive. Since the risk is also distributed evenly among employees, you are virtually guaranteed to recieve health insurance, regardless of any pre-existing conditions you may have.

However, the situation changes when you lose your job; your former employer will no longer pay part of your health insurance premium, so you will be responsible for the entire amount yourself. COBRA, also known as the Consolidated Omnibus Budget Reconciliation Act, lets former employees retain the health insurance coverage from their last job. It won’t necessarily be affordable health insurance, but it’s there nonetheless. Keeping your health insurance policy (whether it is an individual health insurance policy or through COBRA) current is very important, since uninterrupted insurance will help protect you from future coverage exclusions.

Unemployment obviously makes covering the cost of a COBRA health insurance premium difficult. This recession has resulted in millions of Americans becoming out of work and in danger of losing their health insurance. As part of last spring’s stimulus package, President Obama and Congress enacted a 65% subsidy of COBRA health insurance premiums. Qualified ex-employees-those who were let go as a result of a layoff or downsizing between September 2008 and December 2009-were able to take advantage of affordable health insurance made possible by the government’s subsidization. This type of health insurance is still more expensive than insurance provided by an employer, but paying only 35% of the cost of health insurance frees up money for other consumer spending able to stimulate the economy.

Unfortunately, the subsidies only last for nine months. After that, health insurance rates will triple for many people, as they are again forced to shoulder the full cost of a policy. Without an extension of this provision in the American Recovery and Reinvestment Act, affordable health insurance options for the unemployed will decrease. Congress doesn’t seem to have any plans to address the issue in overarching jobs legislation or separate legislation any time soon. Economic recovery is occuring at a slow pace, which means that a significant percentage of the unemployed remain so after that length of time. Health insurance costs eat up a large portion of state unemployment benefits. COBRA enrollment has doubled since the subsidy was enacted, meaning that quite a few people feel an unwelcome shock at the cost of next month’s premiums.

There are multiple steps a person can take if they are worried about the cost of purchasing a health insurance plan. Affordable health insurance is available for both individuals and families on the open market. In many cases, these policies cost less than retaining a unsubsidized COBRA policy (when paying 102% of the premium’s cost). It is important, however, that a person doesn’t drop their COBRA coverage until another health insurance plan has approved him or her. When a person has pre-existing conditions, buying affordable health insurance becomes more difficult. However, most states have high-risk health insurance pools as supplements. There are also Children’s Health Insurance Programs run by each state that kids may qualify for if their family is earning below a certain income level. No matter what, there are solutions to the affordable health insurance crisis available.

EasyToInsureME Individual Health Insurance Reform Weekly

Week of November 9, 2023

Given that the Senate is expected to require much more time than the House to vote on a health care bill (see below), it is likely there is not enough legislative time left in 2009 to wrap up a bill for Christmas delivery to the White House. Senate Majority Leader Harry Reid fueled concerns about the schedule last week when he refused to commit publicly to passing an overhaul bill this year. This makes a “conference” between the House and Senate MORE likely in January 2010 THAN IN 2009, and that could require some time since the current House and Senate versions are vastly different on several key provisions. If the Conference pathway proves too contentious, House Speaker Nancy Pelosi and Reid could play legislative “ping-pong,” whereby each Chamber makes a modest change and ships if off to the other, back and forth, until they both approve the same language.

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Federal

Late Saturday night the House of Representatives approved its version of health care reform by the slim margin of 220 to 215 (218 was the minimum needed). The core of the approved House bill remained unchanged from the version the Speaker introduced a few weeks ago and includes: an employer mandate to provide and pay for coverage; a fairly strong individual coverage requirement; a public plan option set up by government that would pay “negotiated” rates to providers; and insurance reforms, including guaranteed issue and modified community rating. It does not include the “Cadillac” plan tax or the insurer tax provisions currently in the Senate bill. The House bill would be paid for in part with cuts to Medicare Advantage and a surcharge on the “wealthy.”

On the Senate side, Majority Leader Reid is waiting for the revenue score from CBO on several different Senate Bill scenarios, given that several Senators have publicly stated opposition to going forward without a hard and fast number on both cost and impact on bending the spending curve. He also needs this time to win over the 60 votes needed to even proceed with consideration of the bill, let alone the 60 needed to cut off debate once the debate begins; he may not have either right now. The earliest the Senate could start debate would be the week of November 16, but a date in December seems more likely. Approval of the House bill will surely put increased pressure on the Senate to move forward but to do so cautiously, given the slim voting margin in the House, as the issue moves closer to the finish line.

Bills to extend and expand COBRA have been introduced in both the House and Senate and could well be part of the final push on health care reform. Both versions extend the Special COBRA subsidy program from end of 2009 to June 30, 2024 and maintain the government’s 65 percent subsidy. The Senate version increases this subsidy to 75 percent, and the House extends basic COBRA eligibility from 18 to 24 months. Given the unemployment numbers, it seems likely that, whether as part of health reform or on its own, a COBRA extension (including the subsidy) will be enacted in 2009.

States

ARIZONA: Governor Jan Brewer and legislative leaders have reached a tentative agreement to reconvene to address the projected 2010 budget shortfall, which ballooned from billion in early September to billion by the end of October. Although the governor favors a temporary tax increase to boost revenue, she is unlikely to float that idea this time around to help limit the length of the session. Governor Brewer is expected to announce her candidacy for re-election. Although the former lieutenant governor is now the incumbent and has never lost an election, she is viewed as vulnerable by some Republicans because of budget concerns and her continued focus on obtaining additional revenue through taxation.

CALIFORNIA: California’s state budget deficit could reach billion for the current fiscal year in part because of recent court decisions blocking state funding cuts. For example, a federal judge recently blocked the state’s plans to cut million from its budget for In-Home Supportive Services, and Insurance Commissioner Steve Poizner has filed a suit to block the sale of part of the State Compensation Insurance Fund, which was projected to generate billion. Some analysts project that the state’s budget deficit will range from billion to billion in the upcoming fiscal year. In other developments, Lt. Governor John Garamendi won a special election to fill the Congressional seat vacated by U.S. Representative Ellen Tauscher (D). Garamendi was elected lieutenant governor in 2006 after 16 years in the legislature and two terms as insurance commissioner.

COLORADO: Senator Betty Boyd, President Pro Tem and Chair of the Health and Human Services Committee, met with insurer representatives to highlight the issues likely to get attention in the upcoming session. A proposal to prohibit the use of gender in rating individual policies has a high likelihood of passing, she said. Senator Boyd also advised that efforts will be made to ensure that the Cover Colorado program remains solvent, as it has potential to be used as the state’s public plan option. Speculation has it that Colorado could become one of the first states to act on federal health care reform if it is enacted. Finally, she expressed a strong interest in authorizing the DOI to establish standardized policy forms.

DELAWARE: Department of Health and Social Services Secretary Rita M. Landgraf has issued an update to existing statutes adding virtual colonoscopy as an approved colorectal screening modality. Delaware law requires coverage for colorectal screening modalities and empowers the Secretary to add modalities as recommended by the Delaware Cancer Consortium. Accordingly, all contracts for health insurance issued, delivered or renewed after December 1, 2023 must include coverage for virtual colonoscopy for colorectal cancer screening.

DISTRICT OF COLUMBIA: Newly passed legislation requires individual and group health plans to provide coverage for orally administered chemotherapy medication in a manner no more restrictive than intravenously administered treatment or injected cancer medications. In other business, the Council of the District of Columbia confirmed Acting Commissioner Gennet Purcell as Commissioner for the District of Columbia Department of Insurance, Securities and Banking (DISB). Commissioner Purcell, who served as DISB’s Deputy Commissioner since 2008, is an attorney and member of both the State of Maryland Bar and the Commonwealth of Virginia Bar. As deputy, her primary responsibilities included oversight of the agency’s core functional areas, including the divisions of Insurance, Securities, Banking, Fraud Enforcement and Investigation, and Risk Finance.

GEORGIA: A meeting was held last week between health insurance representatives and the Chairman of the Senate Insurance Committee to discuss legislation for 2010 that would restrict rental networks. The Medical Association of Georgia also was represented. Aetna has committed to work with all interested parties on the legislation.

ILLINOIS: A fall veto session concluded at the end of October, and three health insurance bills of import passed both chambers. The first bill creates external review requirements for all commercial insurance products, rather than just HMOs, effective July 1, 2010. The bill also establishes committees to create a uniform small-employer group health status questionnaire and an individual health statement for use on January 1, 2011. The legislation also requires insurers to semi-annually prepare and provide the Department of Insurance a statement on aggregate administrative expenses and other information. It is a good compromise versus what was originally proposed. In addition, both chambers passed an orthotics and prosthetics mandate on health carriers and HMOs for policies amended, delivered, issued, or renewed six months after the effective date of the amendatory act. The third bill changed the requirements to obtain a producer license. The Illinois General Assembly is not expected to reconvene until January 2010.

MISSOURI: The Secretary of the State recently approved a ballot initiative proposal for the November 2010 ballot that would essentially eliminate network-based health care delivery in Missouri. The move follows unsuccessful efforts to enact an any-willing-provider bill in past legislative sessions.The petition effort behind the ballot initiative appears to have been spearheaded by a local surgical practice that has been excluded from the medical staffs of local hospitals. Any willing provider is only one portion of the proposal. It would apply to health carriers and health benefit plans, including Medicare and Medicaid, and facilities. It would, for example, prohibit carriers from: Imposing on a beneficiary any co-payment, fee, or condition that is not equally imposed on all other beneficiaries in the same benefit category, co-payment level, or class; prohibiting or limiting a provider from the opportunity to participate in the network if that provider is willing to accept the carrier’s operating terms and conditions, fee schedule, covered expenses, utilization and quality standards. The State Auditor is preparing an assessment of the fiscal impact of the proposed measure as well as a brief summary of the fiscal impact for the petition. Legal challenges to the ballot initiative are permitted. A group of stakeholders, including Aetna, are discussing strategy.

NEW JERSEY: Health insurance issues were front and center in a bitter battle for the governor’s office, which ended last week when Republican candidate Chris Christie defeated Democratic Governor Jon Corzine. The governor-elect has publicly supported greater flexibility for carriers to make health coverage more affordable via mandate-free plan designs and interstate sales of health policies. The Democrats remain in firm control of the legislature, which will make the governor-elect’s agenda an uphill battle. Also, the Department of Banking and Insurance (DOBI) adopted a regulation standardizing the information and format on health identification cards. Additionally, DOBI initiated a meeting with the state’s major health plans seeking guidance as to how the state might proceed in limiting plans,’ and members,’ exposure to exorbitant out-of-network provider charges. This is one in a series of meetings aimed at developing consensus on an appropriate fee schedule or other mechanism for non-par provider charges. Lastly, the NJ Department of Health & Senior Services (DHSS) has launched a six-month Hospital Newborn Pilot Program. Nine hospitals throughout the state are participating in a pilot to ensure no newborn leaves the hospital without health insurance. The participating hospitals are expected to submit data to the DHSS.

NEW YORK: Governor David Paterson is calling for a special session to address the current state budget deficit. The Governor’s two-year, .2 billion Deficit Reduction Package would have a current-year impact of .2 billion in 2009-10 and a recurring impact of billion in 2010-11. The components include across-the-board spending reductions and a tax penalty forgiveness program. The Governor indicated that his agenda will include a bill that would completely prohibit all subrogation (collateral source) recoveries on any insured or self-insured plans. The existing collateral source rule eliminates the potential windfall of double recoveries to plaintiffs who receive benefits and make recoveries from both their insurance coverage and defendant payments, while still ensuring that uncompensated losses are fully compensated. This subrogation legislation passed the Senate earlier this year, but it has not passed the Assembly. In other business, State Sen. Eric Schneiderman, chairman of the Codes Committee, and Sen. Neil Breslin, chairman of the Insurance Committee, introduced a bill known as “Ian’s Law,” which is named after a patient with muscular dystrophy. The proposed legislation would prohibit non-renewal of group policies and would require heath plans to get state Department of Insurance approval before discontinuing a class of insurance. The bill also would require plans to continue covering a totally disabled policyholder for 18 months, even if the plan gets state permission to cancel an entire class of policies.

Employer based Health Insurance

When looking for health insurance, the first question you should ask is, “Does my employer offer a health insurance plan?” Most companies provide health insurance as a benefit, and larger firms are required to provide health insurance. If your employer has a health insurance plan you should take the time to look into the costs and benefits. Very often employer-based health insurance is less expensive than comparable individual coverage.

Employer-based health insurance is cheaper for a number of reasons. Number one is your employer bears some of the cost for your health insurance. Another key reason employer-based health insurance can be less expensive than individual health insurance is rates and qualification requirements are typically lower. You can also save additional money with employer-based health insurance. One way is to have your employer pay the premium on a pre-tax basis to lower your overall taxable gross pay. Another way to reduce your taxable income is to participate in your employer’s flexible spending plan to save money for out-of-pocket health insurance expenses such as co-pays, some medications and certain medical devices.

COBRA benefits

A concern you might have about employer-based health insurance is what happens to your health insurance when you change jobs, are released by your employer or otherwise become unemployed? A government program called the Consolidated Omnibus Budget Reconciliation Act (COBRA) gives you the right to carry your employer-based group health insurance coverage with you for up to 18 months. While COBRA will allow you to remain insured, you will have to pay the entire premium for your group health insurance. Previously both you and your employer contributed to the cost of your health insurance. If you find yourself requiring COBRA benefits make sure to fill out the appropriate forms available from your previous employer’s benefits department within 60 days of leaving the job. Otherwise you could be denied COBRA health insurance coverage.

No employer-based health insurance? No problem!

What if your employer doesn’t offer health insurance? Not a problem, you can always buy an individual health insurance policy. And it’s possible, if you are member of an organization or group that offers group health insurance, to retain the benefit of employer-based health insurance in terms of lower rates and qualification requirements.

Whether your employer offers health insurance or you are just looking for an individual health insurance policy, be sure to take your time and compare health insurance quotes to find a policy that best fits your family’s health insurance needs and saves you money. It pays to shop around for your health insurance policy.

Your Must Know Guide to Wheelchair Lifts

What are wheelchair lifts?

Vertical wheelchair lifts, wheelchair lifts for short, are automatic or manual machines that aid the mobility of those in wheelchairs or with difficulty walking. In addition to being motorized, lifts come in exterior or interior varieties for transportation. There are also a number of choices for home stairway lifts. Lets take a look at the choices.

Automatic or Manual

Though many like the electric wheelchair lifts, they are significantly more expensive than the manual lifts. However, the manual lift is heavy and unless it is an interior vehicle model, the caretaker will need to be able to pick up the heavy item. When the lifts are outside and able to fold, it makes it easier on the caretaker but they have a bit of weight as well. Through their shortcomings manual wheel chair lifts are able to easily fit into budgets.

Automatic or power wheel chair lifts are easily operated and some have manual options built in for backup support. They are powered by hydraulics and come in a wide range for the home and automobile. The batteries for the wheelchair lifts are either on board the wheelchair itself or connected to your car battery. The onboard batteries can fit in any home outlet and can be taken off and recharged as needed. The models that are connected to your car battery will require professional installation, which can be expensive, but you won’t have to keep recharging the battery.

Which one is right for you?

Picking your wheelchair will depend on your individual needs. Each type has their advantages and disadvantages. Take into account your budget and the ability of the caretaker(s) and health professional. Don’t be afraid to ask questions to better understand your option. Also remember that research is key in finding the best wheelchair lift for you.

If you owned a Hoveround Power Chair where would you go next?

The majority of the population has any kind of dental insurance, and Ohio is particularly hutring lack of dental care. This is not for jobs that they lack the unusual provision of dental care to their employees. Although the implementation of dental insurance can be hard on the budget, it is generally cheaper than doing it to pay without the benefit of insurance. Why deal with the tediousness of paperwork dental care, if you can just a membership card for each visit. Skip the dentist and just neglect to do something just so I could do would be the worst choice. Ultimately, if you wait too long to ensure that the cavity is assumed that you’ll end up with a root canal much more expensive. Another treatment option is available dental cheap that many people are beginning to study, as it should. It’s like a plan to reduce dental known. While this in itself is not dental insurance, it is to save you a lot in dental visits and quickly and easily. It is possible to get cheap dental care. Discount dental care can be a much better option than dental insurance for a number of reasons: Most dental insurance companies and up to $ 1,000 per year, while there is no restriction upon annual discount dental plans. Dental Plans are immediately activated in a few days, while dental insurance requires a longer waiting period before you can use. Dental plans do not include a single card to use so that every visit, while dental insurance includes a variety of papers. Compared to dental insurance, health needs of many dental plans, states have no restrictions on health, which is very advantageous. One advantage of dental plan is hasover dental care covers things that insurance does not, like braces and teeth whitening. One of the most important, but negledted, the areas of health in modern society, it’s oral health. Although the cost of your dental work not covered by insurance discount dental, knowing that you save money on your dental work and some very good discounts calming effect on dental procedures for Pricing Monthly only $ 79 or more, can be very. There is no cutoff point, but a fraction of the cost of processing you out. Some dental plans have been over 100,000 participating dentists, making it too easy to find a dentist in your area, is looking for plans to reduce dental care for all because of the flexibility and freedom, and some cosmetic dental treatments are covered. dental plans offer significant discounts for those who need reinforcements. If you have a dental plan, you can get cheap dental care. Remember to take care of their oral health. He is very necessary. Knowing that you smile the money to keep you on your beautiful smile, instead of giving any dental insurance companies, over time, make sure the expenditure needs even more. You may be eligible for dental care at low prices. Although oral health insurance in Ohio can be difficult to find, discount dental care may be the perfect solution. Ohioans can simply enter their zip code and find a dental plan with them if Cincinnati or Cleveland Township is a participating dentist in your area. ———- To find a dentist in Ohio near you, click on Dental Plans now accepted here!