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Consumer Health Insurance Links

The debate is raging on over the future of the U.S. healthcare system.  President Obama has proposed a radical changing our current healthcare infrastructure with consequences and results that no one is quite sure about.    The President has laid out some general guidelines but has left it up to the democratic congress to write the bill.   Many competing bills are underway with competing and contradictory outcomes.   The cost as estimated by the Congressional Budget Office is well over a Trillion Dollars.  With a largest deficits in the history, can the U.S. government afford to cover 40 million people currently without health insurance?   Who pays?  Who can guarantee that once this giant entitle begins that it will not grow exponentially?  

If there's the so-called 'public option' will it not put private insurance out of business since the Federal Government's program will not need to make a profit, will be able to fix pricing, and not be required to keep sufficient reserves as private insurance companies must.

Many questions await answers.

The Government Health Care and Health Insurance links below contain valuable consumer information, but always check with your health care professional for advice.

Health insurance helps protect you from high medical care costs. Many people in the United States get a health insurance policy through their employers. In most cases, the employer helps pay for that insurance. Insurance through employers is often with a managed care plan. These plans contract with health care providers and medical facilities to provide care for members at reduced costs.

You can also purchase health insurance on your own. It usually costs you more than employer-based insurance. People who meet certain requirements can qualify for government health insurance, such as Medicare and Medicaid. If you do not have health insurance, you must pay your medical bills directly or rely on health care providers or organizations that donate care.

Consumer Guide on Health Insurance from the Agency for Healthcare and Research and Quality

White House Proposal on Health Care Reform - President Obama

Heritage Foundation response to President's Health Care Program

Consumer Guides for Getting and Keeping Health Insurance
Guides for all 50 states and Washington D.C.

These Guides relate to The Health Insurance Portability and Accountability Act (HIPAA), also known as Kassebaum-Kennedy, which was enacted in 1996, creating new national protections for people who want to buy, keep or switch their health insurance, even when they have a preexisting condition. 

Date on health insurance from the Census Bureau.

Medicare Rates for 2009

National Library of Medicine

Consumer Health Plan Information - Dept. of Labor

  • HIPAA Nondiscrimination Guidance 
  • National Medical Support Notice 
  • E-laws Health Benefits Advisor 
  • Health Benefit Claims and Appeals 
  • WHCRA Questions and Answers 
  • Health Benefits Education Campaign 
  • Recent Changes in Health Care Law 
  • Health Plan Fact Sheets

 

Private Insurance Websites:

Aetna

eHealthInsurance

Blue Cross is different in each state.

 

 

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