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Monday, May 15, 2006

State budget revision adds $23M for children's health insurance

The governor's proposed revision of the new state budget -- slated for release on 12th May -- would include $21.8 million to provide health insurance to about 24,000 especially for low-income children in the state.

The money is intended to expand insurance to the needed kids on the waiting list in 18 counties that have established Children's Health Initiatives.

The first phase of the money, or even $11 million, would go to counties that had waiting lists as of May 1, said Sabrina Lockhart from the governor's press office. The rest would go to those that could show a waiting list is coming.

The new money is intended to pick up children who actually do not qualify for government programs such as Medi-Cal and Healthy Families because their family income is too high.

The 18 Children's Health Initiatives in the state have expanded coverage to an estimated 85,000 of these children, state Health and Human Services Secretary Kimberly Belshe said in a press call announcing the new allocation. The goal is mainly to reduce the number of kids in the state without health insurance, estimated at 770,000 late last year.

Friday, May 12, 2006

GOP insurance plan debated in U.S. Senate

BOSTON, May 11 (UPI) -- U.S. Senate debate is now focusing on a Republican plan to allegedly allow health insurers to ignore state-mandated benefits.

Democrats said the GOP bill allow insurers to ignore Massachusetts' new universal health insurance law during charging older and sicker people far higher premiums, The Boston Globe reported Thursday.
Supporters said that the plan is designed to reduce the number of uninsured residents through helping small businesses jointly purchase less expensive insurance for their employees, the Globe said.

But U.S. Sen. Edward Kennedy, D-Mass., the ranking Democrat on the Senate's health committee, said the newspaper the Republican plan would most likely force older residents and those with major health problems from the insurance market, while allowing insurance companies actually to offer sub-par coverage.

"We (in Massachusetts) have passed a good bill that will cover all the people in our state, no matter what their illness, no matter what their sickness,"Kennedy said. "This legislation on the floor of the United States Senate would effectively undermine that, and kill that legislation."

The Republican bill states it "shall supersede any and all state laws" regarding mandated health coverage, the Globe said.

Thursday, May 11, 2006

Let smokers pay more for health insurance

What could any one write, say or photograph about Israel's national health basket that actually hasn't already been written, said or photographed? Desperately ill people have appeared in the media to illustrate just how deaf the establishment is to their needs. The new health minister had said that he would expand the country's health benefits to include more medicines.

Smokers cause damage both to their health and also their surroundings, damage that too-often results in heart and lung disease. Smokers' chances of requiring heart stunts or other expensive treatments are significantly higher than non-smokers. Is it really fair to ask non-smokers to pay for the calculated risks taken by smokers?

Just like the bad drivers pay more for car insurance, smokers must be required to pay higher rates for health taxes. There are about 500,000 smokers in the work force. If all were required to pay an average of NIS 100 (USD 23) per month in addition to the current health tax, it would add NIS 500 million (USD 113 million) to the national health budget – far more than the package given this year by the government.

The plan

How would country identify smokers? Every person would be required to fill out a health statement at his or her health insurer. Doctors could easily identify patients who smoke. A broad advertising campaign can warn people that those making false declarations would be forced to pay for treatment from their own pockets.

Those who quit smoking would have their health tax cut, just like drivers who make many insurance claims have their premiums cut after long periods of no claims.

Most fat people do not want to be fat, and in the some serious cases their problems are genetic and cannot be controlled. Similarly, no new mother wants to give birth to a deformed baby, and if incase there is some genetic problem, most of the time it cannot be controlled. But those who choose to endanger their health must pay. .

Basic condition

Of course, there is one basic condition for this proposal to succeed: All additional tax monies produced by the "smoker's tax" should be used to pay for medicines. If the country's health funds and finance ministry uses the money for other purposes, we will have solved nothing.

How do we prevent them from salivating over the additional funds? The appropriate legislation and also suitable supervision of independent players.

Prof. Eli Pollak is a member of the Chemical Physics Department at the Weizmann Institute of Science and a former head of the Professors for a Strong Israel group.

Wednesday, May 10, 2006

Health insurance for every child in America

American families put their kids first every day. They work hard to give their children opportunities which they never had. It’s called the American dream.
But in Washington, D.C., today, our government is making that dream almost unachievable, as 12 million children in America go without health insurance.
Since that time, more than 800,000 people have signed up to be citizen co-sponsors and about 25 national healthcare, children’s and labor organizations — representing more than 22 million Americans — have joined as endorsers and promoters of Kids First. In one week alone, more than 20,000 people picked up the phone and called those offices to share their personal pleas on why we desperately need this plan.
It’s no wonder people are so upset about Washington’s indifference. One-third of kids with asthma nationwide are suffering without the medication they need. In the wealthiest nation on the face of the earth, that is actually nothing short of a disgrace.
Insuring every child will not require big tax hikes or new bureaucracy. We could provide health insurance coverage for every kid in America if we simply roll back the president’s tax cut for individuals that is making over $300,000 a year.
Another way to look at it is that this could insure every child in America for the next 10 years for half of what it has cost us to occupy Iraq over the past three years.
The benefits of providing healthcare for our children would be actually numerous. We can reduce avoidable hospitalizations by 23 percent. Children enrolled in public insurance programs rate 69 percent better in measures of school performance than those without coverage. And the long-term cost savings in healthcare, education, job training and also reduced stress on our families are incalculable.

Tuesday, May 09, 2006

Health insurance tough for the self-employed

If you're a one-man show in your business world, finding quality yet affordable health insurance could be a real challenge.

Roycroft master artisan Thomas Pafk knows which all too well. For nearly two decades, he had enjoyed an enviable reputation for creating fine furniture. Not nearly as enjoyable, however, is the feeling that he's now between a rock and a hard place when it comes to finding and financing a health plan.

"Oh god, it's a nightmare. It's the worst thing," says the owner of Thomas Pafk Design, whose studio/shop is located in East Aurora. "I have had all different types of insurance. I've done it all, and it costs a fortune. They make it so hard for small businesses to get any kind of insurance at all. It's ridiculous."

Affordability could be a big issue for self-proprietors, independent contractors and other small-business owners as well. They find themselves playing a numbers game when it comes to health-care costs, and then to it's a game that's no fun.

"If you're a one-man band, it costs an arm and a leg," says one local observer.

"It's like buying a Lexus without getting the Lexus," says Tom Kolveck of Buffalo Carpentry, referring to high monthly premiums he has paid in past years.

"The cost is real. It's a big nut," says Kolveck, a longtime carpenter/restoration specialist whose family currently receives benefits through his wife's job as a medical professional.

"It's an expense, and it's hard to pass that expense on to your customers."

"I know several sole proprietors who just don't have health insurance. There were even times when I went without it for a year or two. (But) you have to have it," says Pafk, who's now married and has a child. "Many self-employed people have a spouse who works and gets health insurance, but there are others out there who just don't have it. They don't know where to turn."

Friday, May 05, 2006

Gregoire names health care panel

OLYMPIA, Wash. -- Gov. Chris Gregoire on the Thursday announced a very high-powered new state health care commission to draft the five-year plan for dealing with the troubles of cost, quality and access.

The governor herself would preside over the committee, in tandem with one of the Legislature's senior health care advocates, state Sen. Pat Thibaudeau, D-Seattle.

Thibaudeau's selection as co-chairwoman is good expected to prompt her departure from a campaign for the re-election. That would clear the way for state Rep. Ed Murray, D-Seattle, to win the 43rd District nomination that is tantamount to victory in the heavily Democratic district.

The powerful Service Employees International Union, the state's largest union with 100,000 members, endorsed Murray on the Wednesday, citing his "incredibly strong record of being effective on progressive issues for working people."

"We have a responsibility to ensure that all Washingtonians have access to quality health care that fits within their budget," the governor said before leaving on a trade mission to Australia and New Zealand.

Thursday, May 04, 2006

Elderly will be forced to cancel health insurance policies - Greypower

Greypower says elder people would be hit hard when the country's largest health insurer puts up its actual premiums.

Southern Cross has announced base rate premiums would be increase by an average of 6.5%.
It says some elder citizen' would have to pay an extra 20# or about $10 a week.

The rise is due to an increase in the number of claims and also the costs of procedures like knee replacements and the cataract operations going up.

Graham Stairmand of Grey Power says private health insurance would now become too luxurious for some senior citizens, and he expects a number to cancel their policies.

Wednesday, May 03, 2006

Fewer workers accept employers’ insurance

Dramatic increases in the workers’ share of health insurance costs actually led to fewer people accepting insurance coverage from their employers, it was according to a new study by the Robert Wood Johnson Foundation.

Individual insurance premiums in Louisiana jumped nearly 43 percent from 1999 to 2003, even after adjusting for inflation, the study shows. Meanwhile, the percentage of the people who got health coverage through their employer fell to 75.6 percent in 2003, compared to 82.8 percent in 1998.

“Shifting Ground: Changes in Employer-Sponsored Health Insurance” was released by the Robert Wood Johnson Foundation as part of Cover the Uninsured Week, a nonpartisan, nationwide effort to urge U.S. leaders to make health insurance for Americans their top priority.

Tuesday, May 02, 2006

Expanding health insurance to all

About 46 million Americans are with out health insurance. About a million of them live in Michigan. And that's not very healthy.

For many of the uninsured, that is going without health care. For others, it means being consumed by the medical bills, debt and, for some, bankruptcy.

Michigan residents are little better off than the nation as a whole. According to the Robert Wood Johnson Foundation, in 2004, 12 percent of Michigan residents never had coverage, compared to 17 percent of all Americans. That is the result of Michigan's unionized auto industry that has offered generous health insurance benefits to workers. But few all know that those generous health insurance benefits are eating some domestic automakers also alive. And as jobs in Michigan's auto sector dry up, there were fewer people with health insurance.

Gov. Jennifer Granholm, in her State of the State speech, announced her Michigan FIRST health care plan that is intended to make affordable health insurance available to a half-million workers and not eligible for Medicaid but without employer-based health insurance.

Locally, organizations like the Family Health Center and also the First Presbyterian Church health clinic had provided low-cost health care for the uninsured.

But they are no substitute for a comprehensive health insurance program that leaves no American uninsured.

Insurance needs vary with your stage in life

Bad, emotionally wrenching things happen some times in life, whether car accidents, health ailments or may be death. That's why people buy insurance--so a bad event doesn't spiral into the financial disaster too.
But everybody may not necessarily buy the same types of insurance. Requirements for most people depend on what stage of life they are in present.

Here are insurance concerns specific to many childless, single people who are under age 30. But they can apply to other age groups, too. Much of the advice comes from the National Association of Insurance Commissioners that has a useful consumer site at www.insureuonline.org.

Auto insurance

If you're still in high school, good grades can lower your insurance premiums. And if you're away at college and only drive on weekends, you should qualify for lower rates because you drive less. Try to stay on your parents' auto policy as long as possible. It would be cheaper than obtaining your own insurance.
If you drive a beater, consider dropping collision coverage. A rule of thumb is to drop collision and comprehensive coverage when your car's retail value falls to about $2,500.

"Don't carry coverage’s you don't really need," said Iuppa, who dropped collision on his 1988 Saab for that reason

Health insurance

Part of being young is a good feeling invincible, and its true young people are less likely to a have health problems. Maybe that's why a recent NAIC survey found one-fifth and young singles indicated they would decline employer health insurance to save money. That's a bad idea.
"Young, single people are susceptible to getting hurt," Iuppa said. "They tend to engage in more active and more extreme sports, and the likelihood of injury is perhaps greater."

Disability, not life

The good news is many young, childless singles may need life insurance. If you died, nobody would suffer during financial hardship, except your parents, who would have to pay funeral and also burial expenses.
What you need instead is long-term disability insurance, which would pay a portion of your salary if you're unable to work because of the sickness and injury. Statistics show you're far more likely to become disabled than die during your working years. And singles don't have the working spouse who can pay the bills if they are laid up. Buy all the disability insurance you could through your employer because buying it on your own will be a lot more expensive.

 


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