Here are all the articles I wrote during January, 2011. I hope they're useful to you.

January 24th, 2011

Want a lollipop?

Remember when you were a kid and your mom took you to the doctor every year for a check-up before school started?  No?  Well, maybe you’ve blocked it out.   Don’t you remember getting that lollipop on your way out of the doctor’s office?

Now, because of the federal health care reform, you can start going to the doctor again every year for your check-ups, and it won’t cost you a thing.  But only IF your health insurance plan started after the law’s enactment on 3/23/10, or IF you have changed up your plan since 3/23/10.   The LA Times had a fairly good article in today’s Health Section which explains how and IF you can take advantage of this new “free” annual check-up.

Remember when you heard, “you can keep your plan if you want to?”   Well, that’s true, sort of.   You can keep your plan and if you make no changes to it, like the deductible, you will have the plan you’ve always had but you won’t have that new annual preventive care check-up either.

If you change your plan, or your employer changes your plan, then you’ll be able to get a free annual check-up, no deductibles, no co-pays.

The analysts are estimating that, as the cost of health insurance rises, almost everyone will make changes to their policies within the next 24 months.   And then the insurance companies will be paying for your annual check-ups.

And while The Insurance Mom thinks everyone should go to the doctor every year for a check-up (if only to get that lollipop!), remember that mandates are expensive.  And whether or not you take advantage of this new mandated benefit, we will all pay for it.

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January 10th, 2011

Ladies, this one’s for you!

The Insurance Mom wants you to stay healthy!  When you stay healthy then you don’t have to go to the doctor, get all kinds of expensive tests and treatments and worry about the high deductible on your health insurance plan.

Here’s a great little article about how we can easily take care of ourselves.   And, with the new federal health reform laws, chances are your health insurance company is giving you these annual check-up services for free.  We like free!

Let me know your FAQs.   Here’s to your good health!

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