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	<title>Best Insurance Blog and Articles &#187; Health Insurance</title>
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	<description>US Insurance Quotes &#38; Articles</description>
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		<title>What If Health Reform Is Overturned?</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/what-if-health-reform-is-overturned/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/what-if-health-reform-is-overturned/#comments</comments>
		<pubDate>Tue, 03 Apr 2012 14:18:20 +0000</pubDate>
		<dc:creator>myfreeforum</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[affordable care act]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[supreme court]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=792</guid>
		<description><![CDATA[What Do Americans Lose If The Affordable Care Act Gets Overturned? The Supreme Court recently heard arguments about the specific parts of the Affordable Care Act &#8211; known as Health Reform &#8211; in order to decide if they fell within the guidelines of the constitution. Although the most drastic changes have not yet been implemented, some parts of have already been put in place and are benefiting many millions of Americans. Note that though the hearings were held recently, no decision has been promised until June. Let&#8217;s look at some of the benefits that have already been implemented, so you can see what is at stake if the entire act gets struck down. Two and a half million young adults, ages 19 to 25,  can be kept on their parent&#8217;s medical policy. Children, with pre-existing conditions, cannot be denied coverage by private insurers. The government has taken the first steps towards closing the infamous Medicare donut whole which limited Part D prescription coverage. According to the US Department of Health and Human Services, this has saved our country&#8217;s senior citizens  over two billion dollars. Federal high risks pools are being implemented now. In the past, every state had some sort [...]
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<li><a href='http://bestquoteus.com/bestquotes/health-insurance/health-care-reform-update-politics-politics-politics/' rel='bookmark' title='Health Care Reform Update &#8211; Politics, Politics, Politics!'>Health Care Reform Update &#8211; Politics, Politics, Politics!</a></li>
<li><a href='http://bestquoteus.com/bestquotes/health-insurance/health-reform-2012-whats-new/' rel='bookmark' title='Health Reform 2012 &#8211; What&#8217;s New'>Health Reform 2012 &#8211; What&#8217;s New</a></li>
</ol>]]></description>
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		<title>Concierge Medicine: Health Crisis Symptom or Problem?</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/concierge-medicine-health-crisis-symptom-or-problem/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/concierge-medicine-health-crisis-symptom-or-problem/#comments</comments>
		<pubDate>Tue, 05 Apr 2011 14:03:32 +0000</pubDate>
		<dc:creator>FinanceGuy</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[concierge]]></category>
		<category><![CDATA[doctors]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[Medicare]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=489</guid>
		<description><![CDATA[What is concierge medicine? A concierge medical practice charge patients a yearly fee in order for patients to belong to a medical practice.  Sometimes these are also known as retainer based medical practice, similar to having a lawyer on retainer. Typical fees may range from $1,500 to $1,800 a year. Fees and care levels do vary though. Some practices may only charge a $500 fee while others may charge $5,000. Sometimes this type of practice is also known by other names like boutique or retainer-based medicine. Right now, only a few thousand doctors belong to membership based practices, but the number is increasing. All sorts of medical practices, from dentists to pediatricians, may adopt this business model. However, in response to lower Medicare payments and tighter restrictions, there have been more Medicare doctors who have begun to impose a yearly membership fee on their patients. Advantages of Retainer-Based Medicine Doctors defend this practice by saying they can see fewer patients and deliver higher quality medical care. Lower payments, by health programs like Medicare and private insurance companies, have encouraged more practices to adopt this business model. Instead of rushing through appointments in order to generate revenue, the membership fees allow [...]
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<li><a href='http://bestquoteus.com/bestquotes/health-insurance/what-are-reasonable-and-customary-charges/' rel='bookmark' title='What are Reasonable and Customary Charges?'>What are Reasonable and Customary Charges?</a></li>
<li><a href='http://bestquoteus.com/bestquotes/health-insurance/medicare-at-55-the-latest-health-reform-rewind/' rel='bookmark' title='Medicare at 55 &#8211; The Latest Health Reform Rewind'>Medicare at 55 &#8211; The Latest Health Reform Rewind</a></li>
<li><a href='http://bestquoteus.com/bestquotes/health-insurance/maternity-health-insurance/' rel='bookmark' title='Maternity Health Insurance'>Maternity Health Insurance</a></li>
</ol>]]></description>
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		<title>Be Wary of &#8220;Obama&#8221; or Health Reform Health Plan Ads</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/be-wary-of-obama-or-health-reform-health-plan-ads/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/be-wary-of-obama-or-health-reform-health-plan-ads/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 22:29:48 +0000</pubDate>
		<dc:creator>David</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health scams]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=334</guid>
		<description><![CDATA[Be Wary Of Health Reform Health Plans! I was working in front of the TV today, and was amazed to see a health plan advertisemet that started with a clip of President Obama announcing the passage of the health reform bill. Then the announcer cut in to promise  a guaranteed acceptance health plan for about $3 a day. That announcer never actually suggested this plan has anything to do with health reform, which it does not, but the suggestion was there.  I do not have to call them to know that is is not health insurance, and that it has nothing to do with government health insurance. It is a health discount plan. These plans have a &#8220;network&#8221; that may seem a lot like a PPO network for actual major medical insurance. But that&#8217;s where the plan starts and ends. It does not ever cover you for anything. The reason I have decided to write about this is because a lot of people have been duped by these, and I am here to tell you that their salesmen will not do anything to disabuse you of any misconceptions about what this plan is. I actually called one for a lawyer friend [...]
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<li><a href='http://bestquoteus.com/bestquotes/health-insurance/obamas-health-care-reform-plan-outline/' rel='bookmark' title='Obama&#8217;s Health Care Reform Plan Outline'>Obama&#8217;s Health Care Reform Plan Outline</a></li>
<li><a href='http://bestquoteus.com/bestquotes/health-insurance/us-stimulus-plan-to-help-some-unemployed-with-health-insurance/' rel='bookmark' title='US Stimulus Plan To Help Some Unemployed With Health Insurance'>US Stimulus Plan To Help Some Unemployed With Health Insurance</a></li>
<li><a href='http://bestquoteus.com/bestquotes/health-insurance/the-best-health-plan-for-you/' rel='bookmark' title='The Best Health Plan For You!'>The Best Health Plan For You!</a></li>
</ol>]]></description>
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		<title>Maternity Health Insurance</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/maternity-health-insurance/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/maternity-health-insurance/#comments</comments>
		<pubDate>Tue, 30 Mar 2010 13:58:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[maternity]]></category>
		<category><![CDATA[pregancy]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=309</guid>
		<description><![CDATA[How To Find Maternity Health Insurance People who are looking for some sort of maternity health insurance generally fall into two categories. They are planning for a future pregnancy, and they are concerned about the cost of having a healthy baby. Or they are already pregnant, and wonder how they can get some help with doctor&#8217;s visits and hospital costs. Some of these people may have some coverage, but it does not cover pregnancy very well, or they may have no health insurance at all. Are You Planning a Baby? Group major medical insurance, from an employer, usually covers pregancy. A typical answer is for one spouse to have a job that provides this. I understand that it is not always an option. Some employers do not provide these benefits, and some people are self employed, contract workers, small business owners, or unemployed. Getting another job, with good group medical insurance, is not always an option, especially these days. Individual Health Insurance With Maternity Benefits I have only seen one private individual insurer, Assurant, that offers a maternity option, and that is with a fairly high deductible. That option is a rider (option) to some of their policies. You have to select [...]
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<li><a href='http://bestquoteus.com/bestquotes/health-insurance/cobra-health-plans-after-leaving-a-job/' rel='bookmark' title='COBRA Health Plans After Leaving a Job'>COBRA Health Plans After Leaving a Job</a></li>
<li><a href='http://bestquoteus.com/bestquotes/health-insurance/be-wary-of-obama-or-health-reform-health-plan-ads/' rel='bookmark' title='Be Wary of &#8220;Obama&#8221; or Health Reform Health Plan Ads'>Be Wary of &#8220;Obama&#8221; or Health Reform Health Plan Ads</a></li>
</ol>]]></description>
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		<title>COBRA Subsidy Over? Millions May Lose Health Insurance!</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/cobra-subsidy-over-millions-may-lose-health-insurance/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/cobra-subsidy-over-millions-may-lose-health-insurance/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 21:34:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[cobra]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=209</guid>
		<description><![CDATA[Will Millions More Americans be Without Health Insurance Now? Well, here&#8217;s another financial crisis to follow the first one. Millions of Americans lost their jobs with the largest unemployment spike in most of our adult lives. Lots of those people lost their health benefits too, but some where able to take advantage of a $25 billion dollar COBRA subsidy which defrayed 65% of the costs of the federal medical plan extension. But that plan is due to expire, and millions more may face the loss of medical benefits. Learn more about Unemployment Health Insurance Options. These subsidies are not trivial either, but are though to average about $722 a family. And Congress does not seem ready to extend the benefit either. They are very busy with the current US health care debate. The average premium for COBRA has also been calculated to consumer a large percentage of state unemployment benefit checks. The plan was implemented to help more families keep their group coverage until they found a new job. Unemployment hasn&#8217;t been dipping yet. Though of course, the same type of people who were slow to tell us we were in a recession also seem quick to tell us it [...]
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</ol>]]></description>
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		<title>Medicare Changes for 2010</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/medicare-changes-for-2010/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/medicare-changes-for-2010/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 18:30:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[medigap]]></category>
		<category><![CDATA[retired peoeple]]></category>
		<category><![CDATA[seniors]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=198</guid>
		<description><![CDATA[Will Medicare Change Much in 2010? Some beneficiaries will not notice a big change while others may be affected. That is because the documented differences between 2009 and 2010 will only affect certain members, and not all of them. Online Medicare Health Plan Information Sources Of course, you have a couple of ways to find more information online. The US government keeps medicare.gov as a very good resource for consumers and agents all across the USA. You can also use a Medicare health plan quote form to find the plans and professionals in your local area. Changes to Medicare Supplements You probably have heard about all of the different levels of Medigap or Medicare Supplement health insurance plans. They have letters, like Plan A, B, C, etc. This should not be cofused with Part A, Part B, which are the parts of original Medicare that most seniors and many disabled people use as their public health option. Some plans will no longer be marketed to new business, though apparently existing members can keep them. And two new plans (Plan M and Plan N) are being introduced. These are both similar to Plan F, but either require copays or high deductible [...]
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<li><a href='http://bestquoteus.com/bestquotes/health-insurance/medicare-supplements-or-medicare-advantage-plans/' rel='bookmark' title='Medicare Supplements or Medicare Advantage Plans?'>Medicare Supplements or Medicare Advantage Plans?</a></li>
<li><a href='http://bestquoteus.com/bestquotes/health-insurance/medicare-101-the-basics-of-medicare/' rel='bookmark' title='Medicare 101 &#8211; The Basics Of Medicare'>Medicare 101 &#8211; The Basics Of Medicare</a></li>
</ol>]]></description>
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		<title>Health Care Reform Update &#8211; Politics, Politics, Politics!</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/health-care-reform-update-politics-politics-politics/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/health-care-reform-update-politics-politics-politics/#comments</comments>
		<pubDate>Tue, 21 Jul 2009 20:50:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health reform]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=170</guid>
		<description><![CDATA[Arghh! Just when I thought there was real hope for US health care reform, I see that progress is being bogged down by politics. I have not given up hope, but I am getting impatient with Congress and business as usual. Maybe real change was on the horizon, but it still looks as if we have a way to go before we can brag that we have really evolved beyond partison bickering. Who Wants to Kill Health Reform? Republicans are bragging that the demise of health care reform may be Obama&#8217;s Waterloo. His Waterloo? It will be everybody&#8217;s Waterloo, so I can hardly see where this situation should involve any gloating. Critics of US health care reform keep bringing up Canada. And then there are those TV ads with horror stories from our neighbors up north. And yet the vast majority of Canadians are satisfied with their system, but who is talking about Canada anyway? Really! Look at US health insurance programs like Medicare Health Insurance. Just try to pry that benefit from the hands of American seniors. I think we need to examine our own US way of delivering health care to Americans. Let the Canadians worry about themselves. [...]
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</ol>]]></description>
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		<title>Health Insurance Reform &#8211; Why Wal-Mart Wants it</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/health-insurance-reform-why-wal-mart-wants-it/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/health-insurance-reform-why-wal-mart-wants-it/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 03:36:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[heath reform]]></category>
		<category><![CDATA[wal-mart]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=166</guid>
		<description><![CDATA[Surprised that Wal-Mart wants an Employer Mandated Health Plan? Wal-mart became sort of infamous for the less-than-generous health insurance plans that were provided to most of the store workers. Apparently these health plans would cover small bills, like doctor&#8217;s visits, keeping some percentage of employees happy. But the plans had limits, like mini-meds or specified benefit plans, that would max out if anybody needed to be covered for large health issues like hospital stays or cancer treatment. So why does the famous Uncle Scrooge want the government to come in and mandate a required minimum amount of health insurance now? Well, apparently the megaloMarts health care costs are still higher than many of their competitiors. A mandated minimum may still come in under Wal-mart&#8217;s current cost, but over the cost of some of their major competitors like Target. Also, a public option may be attractive, depending upon how the plan turns out. If Wal-mart could spend its coverage money on the public plan it may be better than the private sector alternative. It is something to think about&#8230;&#8230; No related posts.
No related posts.]]></description>
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		<title>COBRA Health Insurance Extensions Stimulus Help</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/cobra-health-insurance-extensions-stimulus-help/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/cobra-health-insurance-extensions-stimulus-help/#comments</comments>
		<pubDate>Fri, 10 Apr 2009 13:14:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[cobra]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=138</guid>
		<description><![CDATA[Are You Confused About the US Stimulus Package and COBRA Extensions? As you probably know, COBRA is a federal law that forces some employers to keep terminated empoloyees in their group health insurance for several months. However, the employers do not have to keep paying the portion of the premium they pay for active employees. So the cost of health insurance can skyrocket just when a family loses a source of income. The US stimulus bill addressed this by extending help paying the premiums to some terminated employees. There is some confusion, which I want to address. Contact Your Ex Employer About the Stimulus Contact your former employer, not the government, to take advantage of the COBRA subsidy. If you were laid off since September 1, 2008, and are already receiving COBRA coverage, then you&#8217;ll pay 35% of the COBRA health-insurance premiums, and your former employer will pay the remaining 65%. The government will then reimburse your former employer for the subsidy through a payroll tax credit. If you were laid off on September 1, 2008, or later but didn&#8217;t sign up for COBRA coverage, you&#8217;ll get a second chance to elect COBRA and benefit from the subsidy. You should [...]
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<li><a href='http://bestquoteus.com/bestquotes/health-insurance/cobra-health-plans-after-leaving-a-job/' rel='bookmark' title='COBRA Health Plans After Leaving a Job'>COBRA Health Plans After Leaving a Job</a></li>
</ol>]]></description>
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		<title>What are Reasonable and Customary Charges?</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/what-are-reasonable-and-customary-charges/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/what-are-reasonable-and-customary-charges/#comments</comments>
		<pubDate>Fri, 20 Mar 2009 01:28:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=131</guid>
		<description><![CDATA[So What Does Reasonable and Customary Mean? Many health insurance policies specify that they will pay claims based upon something called reasonable and customary charges. This means that insurers claim they will allow a normal charge for a specific service, by a specific type of medical provider, taking the geographic area into account. So we might expect a national insurance company to charge more in New York City than they would in a small midwestern town. However, this health insurer practice has come under scrutiny recently. How Do Insurers Calculate Reasonable and Customary Charges? Insurers won&#8217;t release any information on how these charges are calculated, and many critics (including doctors) believe that the payout limits are far too low. In fact, we are starting to hear a lot more about cases brought against insurers for this practice, especially in large metro areas where charges are higher. Network providers in an HMO or PPO agree to follow the health insurance customer guidelines when the bill their patients. However, if a patient needs to seek out of network care, or if they do not have a network type health insurance company, then that patient is responsible. For network health insurance policy members, [...]
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