The Insurance Mom, brought to you by Alison Gordon Insurance Services, Inc, CA Lic. 0780178

The Insurance Mom wants to know… does this make ANY sense to you?

Last year it became possible for an unhealthy, uninsurable person to get guaranteed health insurance.  The government enacted the Pre-Existing Condition Insurance Plan (PCIP).   It’s available.  It’s affordable.  And the benefits aren’t too bad either.  Sounds too good to be true, doesn’t it?    Read on.

My…

The Insurance Mom loves her colleagues around the country… they are a very smart bunch!  Especially Ric Joyner, a benefits specialist in Madison, WI, who writes an excellent benefits blog.      If you value your hard-earned money, I really want you to take a few moments to read how health care reform will impact your life and your money.

The…

The Insurance Mom wants you to stay pro-active about your preventive care (aka annual check-ups).    Besides keeping some yummy chicken soup handy, having annual check-ups will keep you well-informed about your lifestyle and future health care choices.

Something sort of good has actually been included in the federal government’s “stealth” care reform bill.    As of September 23, 2010, insurance companies…

In March of 2010, Congress passed and President Obama signed the Affordable Care Act—the new health law.  The law creates a new program – the Pre-Existing Condition Insurance Plan — to make health coverage available to you if you have been denied health insurance by private insurance companies because of a pre-existing condition.

A couple of weeks ago, the government…

If you are:

1.  A parent whose young adult child is about to be taken off of your health insurance plan because they’re all grown up (well done!), or

2.  A young adult who is about to be taken off of your parents’ health insurance plan because you’re all grown up (good job!),

… then this is good news is…

“Blaming the insurance industry for the cost of health care is like blaming the waiter for the price of the meal.”

Remember, health insurance is how you pay for health care (aka medical care).   Health insurance and medical care are two entirely different things!  But the politicians have done an amaaazing job of blurring the definitional lines between the two.…

From the Los Angeles Times, a short Q & A.   Can you spot the fatal flaw in the legislation?   Tell me what you see.

If you didn’t read the entire 12-page synopsis of the new Health Care Reform legislation which I posted a couple of days ago (because you found it just too exciting!), here is a year-by-year breakdown of what you can expect (the big stuff doesn’t happen until 2014).   Can you spot the fatal flaws?

2010

• Subsidies begin for small businesses

…

If you have individual health insurance with Anthem Blue Cross of CA and are about to be hit with huge rate hikes, this news is for you.   Insurance Commissioner Steve Poizner says his office is investigating… but is this a real investigation or is he politicizing the investigation to boost his run for Governor?

I think his predictions are probably right.   What do you think?   Read Daschle’s predictions in the NY Times.