Here are all the articles I've written about Premiums. Enjoy!

May 11th, 2017

Are AHCA concerns making you sick? Pre-existing conditions and MacArthur and more….

Holy cow, folks!  What a crazy time for health insurance!

Politics aside, The Insurance Mom wants you to be really, totally clear about what’s happening in the wacky world of health insurance.

The first thing most clients ask me these days is about pre-existing conditions.  What if I have an illness before I buy health insurance?  What if my sick child loses coverage?  “What-ifs” all over the place!

All we can do right now is breathe.  We don’t know what’s going to happen with this bill (it’s not a law yet!).  But I did want to shed some light on the latest MacArthur Amendment.

The LA Times did an EXCELLENT article on just this issue here:

Here are a couple of excellent quotes… but the whole article is awesome.

“And it protects people with pre-existing conditions much as starving people may be welcome at a restaurant, but only if they order the most expensive dishes on the menu.”

“This much is clear: Republican lawmakers have provided a textbook example of how not to enact major legislation.  They’re aiming to radically overhaul the $3-trillion U.S. healthcare system yet have shunned the input of major stakeholders such as medical organizations, hospitals and patient-advocacy groups, which are uniformly against the measure.”

What do YOU think, my lovely peeps?  Do you believe everyone should help pay for the sick?  Did you like the old way of doing things before the ACA?  Do you benefit from Obamacare?  Do you hate Obamacare (aka ACA)?  Tell The Insurance Mom your every little thing!…

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March 10th, 2014

Is your medication worth $84,000? You tell me . . .

I just read an article about new drug treatments for Hepatitis C.  Hep C is the #1 cause of liver transplants in America.  Serious problem, right?  Drug companies have come up with a serious answer . . . but to the tune of $1,000 per pill, making one course of treatment with this new drug cost $84,000!!!

What does that mean?  It means that if drugs cost this much, it drives up the cost for health insurance for EVERYONE!  Yes, you too, person without Hep C.  Health insurance rates will go up for everyone because of the cost of drugs like these.  And insurance companies may tell people to try the older, less effective drugs first to try to save money when they really need the new stuff.  Not fair on either end, is it?

And that’s not all.  This article also says that this is just the beginning of pricey drugs.  We’re going to see huge spikes in cost for treatments for MS, cancer, and more in the coming years causing health insurance premiums to skyrocket.  Ouch!!!

Is it worth it?  Heck no!  Who’s to blame?  Not who you would think.

I want to know…  why aren’t the pharmaceutical companies being regulated too?  Of course, these drugs do cost money to research and produce, but why this much?  It seems to me that all of the weight of health care reform is falling on the shoulders of the insurance companies where the focus should be broadened to include pharmaceutical companies, hospitals, labs and doctors.

Tell me, friends, what do you think?…

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August 26th, 2010

Take A Hike!

Please… sit up straight and pay attention class, elbows off the desks.   If you currently have an individual (not group) California health insurance plan with either Anthem Blue Cross OR Blue Shield, prepare for rate hikes heading our way October 1, 2010.

The rate hikes range from 14% to 20% with Anthem Blue Cross, and 19% to 29% for Blue Shield customers.  Most of you will be affected by the hikes.   However, if you bought your individual policy recently, you’ll still have your 12-month rate guarantee.

Watch your mail boxes within the next 3 weeks for announcements from your health insurance company.    Be sure to read the information, it’s important for you and your budget!   Of course,  you’re welcome to be in touch with The Insurance Mom if you have any questions or kvetches.

NOW is the time to be sure that you’re in a plan you can afford to pay for every month.  Remember, the monthly premiums are mandatory.   Medical expenses (the deductible) can be paid off over time, based on what your budget can handle.   The higher the deductible, the lower the premium.   So, even if you have to downgrade your plan to one with a higher deductible, you’ll still have affordable protection against catastrophic medical expenses.

The Insurance Mom strongly urges you to have a medical plan with a high deductible… as high as you can stomach.    Don’t give all of your premium money to the insurance companies, they have enough, don’t you think?

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