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	<title>Best Insurance Blog and Articles &#187; health reform</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-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>The Supreme Court Reviews The Affordable Care Act</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/the-supreme-court-reviews-the-affordable-care-act/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/the-supreme-court-reviews-the-affordable-care-act/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 13:40:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[supreme court]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=745</guid>
		<description><![CDATA[What Does The Supreme Court Have To Do With Health Reform? Starting last Monday, the US Supreme Court began to hear arguments about the Affordable Care Act &#8211; otherwise known as health reform. According to the quick summary on Yahoo Finance, the case addresses 4 main areas. What Is The Issue With Health Reform? Let me summarize the four main areas here. The individual mandate &#8211; Under health reform, Americans must purchase health insurance or be penalized. Personally, I think everybody should have health insurance, and subsidies will help people with limited means purchase it. If you already get health insurance, from your job, nothing will really change. Does Congress have the authority to require everybody to purchase health insurance? If congress does not have that authority, what about the other provisions of the bill, some of which are already in place? The law expands Medicaid coverage, which will help more poor people get covered. Medicaid is a state/federal program. So, does this violate state&#8217;s sovereignty by forcing them to budget more money for the public health insurance program for the poor? There are things about the arguments I do not get. Most of the people, who are most outraged [...]
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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>
</ol>]]></description>
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		<slash:comments>3</slash:comments>
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		<item>
		<title>Health Reform 2012 &#8211; What&#8217;s New</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/health-reform-2012-whats-new/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/health-reform-2012-whats-new/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 19:52:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[2012]]></category>
		<category><![CDATA[health reform]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=728</guid>
		<description><![CDATA[Health Reform &#8211; 2012 Updates The Affordable Care Act became law, amid much buzz and hububb, in 2010.  A few changes have already taken place. Some of these include expanding high risk health pools, raising the age for children on parent&#8217;s health plans, and preventing private insurers from denying chidlren coverage for pre-existing conditions. However, beyond the normal election year cries of protest and support, we have not heard a lot about what to expect from health reform in 2012. I found a very handy government website page: Timeline Of The Affordable Care Act. It allows you to page through, month by month, for updates from the past and future. Encouraging Integrated Health Systems Effective January 1, 2012, new legislations will provide docts with incentives to form something called Accountable Care Orgainzations. If these organizations can actually save money, while providing quality care, they can keep some of the savings. Right now, this law seems to mostly affect Medicare beneficiaries. Accountable Care Orgainzations Video From CMS The Center for Medicare and Medicaid (CMS) produced this video on changes this law is trying to bring about. &#160; This year, most of the other changes seem to apply to reduction in paperwork, [...]
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</ol>]]></description>
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		<title>How Can Unisured Diabetics Afford Health Care?</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/how-can-unisured-diabetics-afford-health-care/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/how-can-unisured-diabetics-afford-health-care/#comments</comments>
		<pubDate>Tue, 17 May 2011 13:49:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[diabetics]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[uninsured]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=526</guid>
		<description><![CDATA[Medical Help For Uninsured Diabetics Even though it has been over a year since the Affordable Health Care Plan passed, many Americans still wonder how to afford health care, especially for uninsured people with pee-existing conditions. Diabetics have always struggled. Group policies, through employers, should cover most medical services and prescriptions. However, many Americans lack group coverage. Few major medical policies will accept diabetics on an individual or family health insurance plan. Since proper care is crucial to maintain health, how can families get help? What About Health Reform? Health reform has already brought some changes. Insurers are not allowed to decline children, up to age 19, for pee-existing health conditions. Furthermore, parents can keep kids on their plan up to age 26. This has helped many people make sure that young people, whose parents have group coverage, get help affording health care. But what about adult diabetics without medical plans? What about young people who do not have the luxury of parents with health insurance? How can these people find help? State And National High Risk Health Plans: Every state in the US has a high risk health plan or pool for people with health conditions. Now, there is [...]
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		<slash:comments>3</slash:comments>
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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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</ol>]]></description>
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		<title>Health Reform: Health Insurance Exchanges Explained</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/health-reform-health-insurance-exchanges-explained/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/health-reform-health-insurance-exchanges-explained/#comments</comments>
		<pubDate>Thu, 31 Mar 2011 14:34:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[insurance exchanges]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=485</guid>
		<description><![CDATA[Health Insurance Exchanges Explained As I detail one of the biggest parts of the new US health reform act, bear with me. The exchanges are part of President Obama&#8217;s US health reform act. This was signed in March of 2010. However, health insurance exchanges are only implemented in a few places right now. They are scheduled to be implemented, by each state, by 2014. So things are still fluid, and this means that things could change. The fact that things are fluid, and that the actual program has not yet been implemented, probably explains why a lot of the information is a bit confusing and vague. I am doing my best to reduce the information to something simple. These new exchanges will be, like most insurance, regulated at the state level with federal assistance. The exchange will decide which insurers to admit, but  insurance companies can still sell major medical outside of the exchange.  You can find US state insurance departments here. They should NOT affect people who work for larger companies and get their medical benefits from a group health plan. They are mostly intended to benefit people who do not get group health and who are not qualified for Medicare.  Some [...]
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<li><a href='http://bestquoteus.com/bestquotes/health-insurance/what-if-health-reform-is-overturned/' rel='bookmark' title='What If Health Reform Is Overturned?'>What If Health Reform Is Overturned?</a></li>
<li><a href='http://bestquoteus.com/bestquotes/health-insurance/medicare-health-insurance-plans-explained/' rel='bookmark' title='Medicare Health Insurance Plans Explained'>Medicare Health Insurance Plans Explained</a></li>
</ol>]]></description>
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		<title>2010 Tax Break For Self Employed Health Insurance</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/2010-tax-break-for-self-employed-health-insurance/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/2010-tax-break-for-self-employed-health-insurance/#comments</comments>
		<pubDate>Mon, 07 Feb 2011 15:54:35 +0000</pubDate>
		<dc:creator>FinanceGuy</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=468</guid>
		<description><![CDATA[More Self Employment Tax Breaks For Small Business Health Insurance Just when it looked like all of the health reform changes were not doing much to help most small businesses owners, it seems like we may have missed something which can make a large impact on our total tax bills. Since 2003, self employed people could deduct health insurance premiums from their taxes. This only seems fair since employees with group plans did not have to pay taxes on company contributions and large employers certainly got a tax break. But was it fair enough? USA Today reported that the average family health insurance policy costs about $14,000 a year. Keep in mind, this is the total cost. If you are employed by a company that offers group heath, your employer may pay part of this cost. However, if you are self employed, you probably foot the whole bill.  Since 2003, you could deduct that $14,000 (or whatever amount you paid)  from your earnings as an income deduction.  Of course, your own family premiums will vary because of the age, health, and number people in your family, plus the type of coverage you purchased and where you live.   Self Employment Taxes The rules have changed [...]
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		<title>Federal High Risk Pools : Health Reform Updates</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/federal-high-risk-pools-health-reform-updates/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/federal-high-risk-pools-health-reform-updates/#comments</comments>
		<pubDate>Wed, 21 Jul 2010 16:01:24 +0000</pubDate>
		<dc:creator>David</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[high risk health insurance]]></category>
		<category><![CDATA[Major Medical]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=403</guid>
		<description><![CDATA[Federal High Risk Health Pools Are Coming To Your State! I noticed a note on the Texas High Risk Health Pool website when I was doing some research for a client. Enrollees in the new federal pool program will pay  standard market premium rates and their coverage will not be subject to any preexisting condition exclusion.  Funds for the Federal Pool are    limited, so eligible applicants should apply as soon as possible. What I took away from this is that, for now, the federal plan is being implemented, but will work in conjunction with the state risk pool. I get the idea that the premiums will be a bit lower, but that limited slots are open. I guess it will work on a first come/first served basis. Now, as you may know if you are interested in health insurance risk pools, is that every state has their own way of handling individuals who have been declined for private major medical insurance. Apparently the federal plan is also being implemented on a state by state basis too. The point of this is that you need to check with your own state&#8217;s high risk plan, and the Texas website is just an example. [...]
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		<title>Long Term Care Health Insurance and Health Reform</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/long-term-care-insurance/long-term-care-health-insurance-and-health-reform/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/long-term-care-insurance/long-term-care-health-insurance-and-health-reform/#comments</comments>
		<pubDate>Fri, 16 Jul 2010 18:10:12 +0000</pubDate>
		<dc:creator>FinanceGuy</dc:creator>
				<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[obama]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=396</guid>
		<description><![CDATA[Health Reform: Long Term Care Insurance One thing that really surprises me, with all of the talk and debate about heath reform, is that there has been little discussion about new long term care insurance plans. Planning for nursing care should be considered by anybody who is doing retirement planning these days, and I think that a lot of people do not consider it because they just do not know how much it costs or figure some government plan already exists to take care of that concern. Find Out How Much Long Term Care Insurance Costs - Compare Local Quotes For Free Since long term care health insurance is a type of heath insurance, it has been included in the new health reform bill. However, what has been included is NOT comprehensive, and it will not remove the need to plan. The details are not totally firm yet, but you can search for the CLASS act. It proposes a voluntary long term care insurance program that workers can opt out of. It has been devised to be self supporting, so it will not rely on any federal tax money. What We Know About The CLASS Act If the enrolled people [...]
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</ol>]]></description>
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		<title>Health Insurance Scammers Exploiting Health Reform</title>
		<link>http://bestquoteus.com/bestquotes/health-insurance/health-insurance-scammers-exploiting-health-reform/</link>
		<comments>http://bestquoteus.com/bestquotes/health-insurance/health-insurance-scammers-exploiting-health-reform/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 13:17:47 +0000</pubDate>
		<dc:creator>David</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health isurance scams]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[obamacare]]></category>
		<category><![CDATA[scams]]></category>

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		<description><![CDATA[Health Insurance Scams Are Back with Health Reform Confusion Well, we might have hoped that, if health reform did one good thing, it would reduce the number of health insurace scams that keep popping up. And it may very well help to do that, but right now, there seem to be a spike of them. Scammers see an opportunity to exploit confusion over the health reform bill, and they are out preying on the vulnerable again. Who are vulnerable. Well, it appears that lots of people are struggling with high medical insurance premiums and lower incomes right now. The opportunity to save a few hundred dollars a month is certainly attractive. Just keep in mind, that if something sounds way too good to be true, it probably is! Here are some common health insurance scam markers for 2010: If anybody is trying to get in your front door selling OBAMACARE policies, just keep your door shut.There is not such thing, and really that term is a cynical pejorative.  President Obama&#8217;s health reform bill has not started creating special health insurance policies now, and anyway, they certainly would not have that name.  We already have reports of agents (or possibly impostors) [...]
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