CHEAP HEALTH INSURANCE IN
 
First Name:   Last Name:  
Phone:   Email:  
State:  
   

   
 

Posts Tagged ‘health insurance reform’

Why HIPAA Laws are Important

Thursday, April 22nd, 2010

While HIPAA laws protect some of your private information, don’t think it offers protection from insurance coverage denial. Mainly, it is an acknowledgment by you, that the doctors office has told you they comply with these laws. Of course we sign them, we know it is probably for our protection. But these laws may not be what you think. Health information laws are your protection from identity theft. In some cases, it may protect you from being denied coverage by your employer.

the Health Insurance Portability and Accountability Act was enacted in 1996. At the time, these laws created the national standard in protecting your health information. This became necessary as one was required to see different physicians or become admitted to different hospitals. As you go through the process, your health information should follow you. As more and more transactions are completed electronically these days, HIPAA laws focus on the protection of your health information specifically through these channels.

What, exactly, does HIPAA protect you from? These laws keeps safe your personal information such as birth date, address and Social Security Number. Information such as physical and mental conditions, past, present and future, must be protected. Any information that it does not cover must be personally non-identifiable. By enacting these laws, it means more protection for you against identity theft and firmer remedies if this did happen.

HIPAA also protects how health insurance providers may use your information. These entities may use your information without your authorization only if they are sending you information, using this information to provide the best treatment or health care, or collecting payment on medical expenses, among other things. If disclosure of your health information does not fall under these categories, you must authorize the transfer of information in writing. Furthermore, all language must be simplistic so as not to create a barrier to your understanding of it.

Health information laws were once thought to protect consumers from being denied health insurance coverage. This is not true. It may protect some from being denied group insurance by a provider. However this may be denied as well if you fall into a category of being treated for some illnesses within six months of applying for coverage.

Since the Insurance Portability section of HIPAA falls short these days, it is important that we find more protection so we are not denied health insurance coverage for any reason. Learn more about the laws in your state from your local, state government. Then seriously consider if privatization is in the best interest of America or the insurance companies.

Get the truth about personal health protection and health insurance reform ideas

Health Insurance Reform Vs. Low Cost Health Plan

Saturday, February 13th, 2010

With the health insurance reform bill being such a conflagrant topic, for the last year, more Americans recognize the shortcomings of a government-sponsored medical program. For individuals, who do not have health insurance, the benefits of shopping around for a medical quote or low cost health plan, outpaces passing the challenges associated with a colossally flawed health insurance reform bill.

The nation will endure a series of setbacks, if Obama’s health plan reform bill obtains the green-light. The health and medical sectors will suffer from a deficit of professionals to service because fewer people will have the desire to enter a federally sponsored health and medical sector. With fewer medical professionals to care for a higher demand, diluted health care and negative economic consequences will be the outcome. These chronic issues underscore the importance for Americans to shop around for a low cost health plan, exercising the choice to choose a viable plan.

Since the recession began, the health care sector has added 631,000 new jobs, compared to other industries, which have endured major lay-offs. From an economic perspective, the health sector accounts for some 14.3 millions jobs (BLS.gov). Health insurance reform, in the way of nationalizing medical care health care in America, will result in an exorbitant job loss rate, lower quality healthcare and inevitably raise taxes.

Other countries, such as Canada, have demonstrated how socialized healthcare plans are prone hinder more than health issues. A study, published by the American Medical Student Association, analyzing Canada’s socialized health care system, illustrates that waiting list discrepancies amongst medical facilities and Canadian provinces are the norm.

Despite, Canadians access to health care, a study published in the 2009 Lancet Oncology, indicated that five-year cancer survival was higher amongst Americans. (Wall Street Journal.com). Reports indicate that Canada’s health system employs a passive methodology by rationing health care via waiting lists. The problem is that the demand for preventative screenings is so high; it renders the socialized plan unable to support all the preventative screenings. Consequently, a high percentage of major medical illnesses go undetected.

Another study, released by the Joint Canada/U.S. Survey of Health, shows that Canadians, who have socialized health care, are not any healthier than their uninsured, American counterparts.

Numerous data supports that Americans are better off shopping around for a low cost health plan than endorsing a health insurance reform bill that will ultimately cripple our nation’s economic infrastructure.

Rather then legislate a national health insurance reform bill that resembles a socialized system, where medical care will inevitably be rationed for practicality and financial feasibility, Americans have to make the choice between a health insurance reform, which is a euphemism for nationalized health care or shopping around for a low cost health plan.

Review additional details about buying Illinois health insurance or to obtain a hassle free Illinois health insurance quote, visit Illinois Life and Health.com

Poll Finds Americans For Healthcare Reform

Thursday, April 30th, 2009

There are specific polls addressing health care and health insurance done by the Kaiser Family Foundation every month. These polls offer results that are interesting, it gives an inside look at the way the American citizens are leaning in their opinion about the health industry.

The results from the April poll, reported by Medical News Today say: 71% are for increasing taxation on high income Americans in order to pay for the health care reform, 36% missed doctor and dentist appointments due to increased costs, 26% have a household member who had difficulty paying health care bills last year, 59% indicate health care reform has become more important, and 67% strongly or somewhat favor a national health insurance plan in order to compete with private plans.

Health care and health insurance reform are obviously becoming much more important to the American people as the days pass. There are also a large number of Americans becoming more in debt with the rising cost of health care.

The lawmakers who are ready to send the health care reform through the process are very happy with these results. As the Kaiser poll indicates, there will be support from the majority, and with this support will be ability for them to push the sweeping reform through the process.

Polls are very subject to change depending on the whims of time. They give a good glimpse of current opinion but these opinions can change, especially if the economic crisis deepens. Then of course, the Democrats and Republicans have some disagreements on the approach to solving the issues in health care.

About the Author: