Tag Archives: Healthcare Insurance
SHOULD YOU SHOP ON LINE FOR HEALTH INSURANCE?
There aren’t many things we don’t buy online these days. Yet, for most people, turning to the internet to purchase health insurance is a foreign concept. That’s about to change. A central feature of the Affordable Care Act is to build online markets where millions of people who don’t get health benefits at work will shop for and buy a health plan, as well as learn if they qualify for federal tax subsidies to help pay for the cost of coverage. These markets, called health insurance exchanges, are slated to be up and running in every state across the country starting in October of 2013. A survey of more than 1,800 adults conducted by Enroll America, a nonprofit created to educate the public about health reform, found that 78% of people who will be newly eligible for insurance coverage because of the law in 2014 don’t know a thing about the new health insurance exchanges. What’s more, most people indicated they wouldn’t be comfortable going online to search for a health insurance plan – 75% said they prefer to be helped in person. This doesn’t bode well for a law that relies on internet-based markets to get people signed onto …
+ Read Full PostLet’s Talk About Sex!
August 1st will be a BIG day for women across America because of the new preventative benefits for women! Services such as well-women visits, domestic violence screening and counseling, contraception and more will now be available to make sure that women can stay healthier. As 2014 approaches there will be more and more changes that your health insurance agent will be able to educate you on. Here are some examples; HPV DNA testing: Women who are 30 or older will have access to high-risk human papillomavirus (HPV) DNA testing every three years, regardless of pap smear results. Early screening, detection, and treatment have been shown to help reduce the prevalence of cervical cancer. Be sure to call your agent at Health Care Solutions for more information on this benefit! STI counseling, and HIV screening and counseling: Sexually-active women will have access to annual counseling on HIV and sexually transmitted infections (STIs). These sessions have been shown to reduce risky behavior in patients, yet only 28% of women aged 18 to 44 years reported that they had discussed STIs with a doctor or nurse. In addition, women are at increased risk of contracting HIV/AIDS. From 1999 to 2003, the CDC reported …
+ Read Full PostA Healthy New Year! A Healthy New You!
Hello, this is our “Healthcare Solutions Team” blog where you will find helpful tidbits, insurance misconceptions explained and general health-care education about “health-care reform” how we can help you. Here is a sample to get you started to a healthy new year and a healthy new you! 1. The cheapest health insurance is the best. The cheapest policy does not mean that it is the best option for your health care needs. It’s better to find a policy that is good for your budget and health care needs. 2. Obama-care made health insurance free. Health care reform will expand a program in every state to include adults with or without children. But it does not mean that reform makes health insurance free. The state that you live in will help mandate the cost of the coverage. 3. I should drop my health insurance because I haven’t been sick in a long time. Many people may think they’ll save money by dropping their health insurance because they haven’t used it in a long time. Unfortunately, that could end up costing you more money if you become sick and they could later be denied health insurance if they do suffer from an …
+ Read Full PostPrescription Medication: To Each Their Own
Sharing prescriptions may seem like a great way to save money, but that can actually cause more damage than good. When a family member has leftover medication from a similar ailment, it can be tempting to skip the doctor and use the leftovers. But everyone reacts differently to medicine and certain medications don’t mix well. If you take medication without a doctor’s supervision, you can risk serious mishaps. A bad reaction can cause permanent damage to your body. Rather than taking the risk, it’s best to go to the doctor and get a prescription that’s specifically tailored to you. A good health insurance plan can help you pay for the cost.
+ Read Full PostIs Healthcare Solutions Team’s Education the Answer to the Healthcare Crisis?
A record number of uninsured Americans are struggling to find healthcare insurance now that the Cobra Subsidy expired and 8-9% of medium-sized businesses are dropping their healthcare coverage. An innovative company, Healthcare Solutions Team, is trying to fill this gap by educating uninsured Americans so that they can understand their options and obtain affordable coverage. According to Gallup, nearly 27% of 27- to 35-year-olds are uninsured. This alarming number is attributed to the decreasing affordability of health insurance. There are a few factors that make healthcare less accessible. The Cobra Subsidy ended August 31st. This termination leaves millions of Americans unable to afford their Cobra coverage and unsure where to turn for advice. It’s not only the unemployed who are experiencing this healthcare crunch. Every day more businesses are reducing or removing their employee healthcare coverage. Most of these employees have always relied on group health insurance coverage (healthcare plans provided by their employers). This transition leaves them unsure how to navigate the individual health insurance market. However, there are options for the uninsured. Healthcare Solutions Team is leading an initiative to educate uninsured Americans on the various options that are available to them. Many of these options will make …
+ Read Full PostTop 10 Pharmaceuticals Drop in Price
Ten of the most popular pharmaceuticals are about to lose their patents. This expiration means that pharmaceutical companies will now be able to make generic versions and charge a fraction of the price for the same drug. These generic versions can rack up as much as 90% in savings. Bad news for the pharmaceutical companies, great news for the consumers. If you take any of the drugs below, you’ll soon begin to see some money-saving generic options. Pharmaceutical expiring in 2011 Condition Company US Sales in 2010 Lipitor Cholesterol Pfizer $5,329,000,000 Zyprexa Anti-psychotic Eli Lilly $2,496,000,000 Levaquin Anti-biotics Johnson & Johnson $1,312,000,000 Concerta ADHD/ADD Johnson & Johnson $929,000,000 Protonix Antacid Pfizer $690,000,000 Pharmaceutical expiring in 2012 Condition Company US Sales in 2010 Plavix Anti-platelet Bristol-Myers Squibb / Sanofi-Aventis $6,154,000,000 Seroquel Anti-psychotic AstraZeneca $3,747,000,000 Singulair Asthma Merck $3,224,000,000 Actos Type 2 Diabetes Takeda $3,351,000,000 Enbrel Arthritis Amgen $3,304,000,000
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Small Business Insurance:
Group Health Insurance, Group Dental Insurance, Group Vision Insurance
Supplemental Insurance:
Vision Insurance, Travel Health Insurance, Accidental Health Insurance, Long Term Care Insurance