What do you think about CA cutting insurance programs for kids?
http://www.californiahealthline.org/Articles/2009/5/26/Proposals-to-Cut-Health-Spending-in-California-Face-Opposition.aspx
This article explains a little of what’s going on, but basically, to reduce the budget deficit, our governor wants to cut Healthy Families, which is a low cost health insurance program for children from families who make too much to qualify for medi-cal, but are not able to afford private insurance. Couldn’t he find somewhere else to cut the funds from, instead of taking insurance away from children when the rest of the country is trying to expand coverage for children?
My son is on Healthy Families and I don’t know what we’ll do if it gets cut. I currently pay $21.00 per month for his insurance, and if they cut the program, I will undoubtedly be paying in excess of $100 per month for less coverage. Does this seem like a stupid program to cut to anyone else? Sorry, I know this isn’t much of a question, but I’m really frustrated by it!
Group Health Insurance Renewal Explanation
You get your group health insurance renewal letter from your insurance carrier, you insurance agent or a letter from each of them. They notify you that your rates are going up.
Did you ever wonder what factors contribute to this increase?
Here are the 6 factors that can affect your renewal premium rates:
1. Change in Base Rate
The change in base rate reflects changes due to medical and drug prescription cost trends in your city. Increases in the cost of medical treatments and the cost of prescriptions in your geographical area will have an impact on your base rate.
2. Change in Age/Gender
These changes are based on the demographics of your group.
If your plan uses age banded rating, rates may increase as employees move into a higher costing age band. With age banding, the price brackets are generally broken into five year segments. So, the insurance company provides a different rate for each employee, based on the age of that employee. An older employee will pay a higher the premium than a younger employee.
Similarly, some plans set health insurance rates based on gender. If you have such a plan, changes in the number of women and men enrolled in your group plan will affect the premiums.
3. Group Size Adjustment
Changes in the number of employees enrolled in your plan can affect the cost of the plan’s premium.
4. Change in Area Factor
Where the employees enrolled in the plan live influences the cost of the insurance. Premium amounts are base on the member’s home address.
So, if you have new employees living in higher rated areas or you have employees that move into higher rated areas, the premium will increase.
5. Change in Industry Factor
The type of business you run – what industry it is categorized as – can also impact premium cost. Occasionally, an insurance company will re-evaluate their pricing based on industry. If they raise the rates for your industry, this increase will be reflected upon renewal of your policy.
6. Risk and Compliance Adjustments
These adjustments are based on the overall rate level change to the group and reflect the claim and use history of the group.
Please note that you may have a policy that does not take every one of these factors into consideration. Check with your insurance agent to see which ones your plan includes.
The good news is that these rate change factors can also result in lower premiums if changes to your group profile are favorable.
By: Corinne Mitchell
About the Author:
Read her blog http://www.groupinsurancebenefitsspecialists.com/ for more tips.
Make sure you get expert advice and find the right coverage for you and your employees.

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What insurance company offers the best health insurance?
I’m looking for affordable health insurance?
I’m 31 and I have a pre-existing condition (open heart surgery 2004).
I take coumadin daily and get my blood checked every month at Jacksonville Heart Center. I’m looking to take another job with much better pay. The only problem is they don’t offer health insurance yet. I’ve been quoted at $180-$190 a month that do accept pre-existing conditions. Is there anyone cheaper that is not just some fly by night company?
Medicare Prospective Payment and the Shaping of U.S. Health Care
As a typical middle aged uninsured citizen ; i worry constantly about dying of COLAN CANCER. What am i to do?
How do I find affordable, personal health insurance at age 54?
Kaiser would not take me back, after I had lapsed. I am normal, with aches and pains of most anyone, but afraid of being denied coverage at any new application!
I am about to re-appeal my Kaiser denial. I need a real person to contact at Kaiser Individual Plan Appeals in Pasadena. Also, anyone know of a Kaiser patient advocate (or similar title)? Third, Who should I contact at the CA Dept of Managed Care, if necessary? Thanks!
Affordable Health Insurance
Life can change from certainty to uncertainty in the blink of an eye. It only takes a split second to have a car accident, fall down the stairs and break your leg, or find out you have a serious disease. Although it would be useless to spend hours worrying about the possibility of things happening to you, it’s also sensible to be prepared, just in case. It’s good to feel secure, knowing you have a plan in place. One of the easiest and most helpful things to put in place is health insurance. The tricky part is finding affordable health insurance, so you don’t end up with money worries as well as health concerns!
When you’re feeling fit and healthy, it’s very easy to think you’ll never need health insurance. Sometimes having a family prompts people to take out health insurance, in case the kids get sick. Most of us rarely consider we might need a stay in a hospital. And yet reality is that these things do happen, and if they do, it will probably be when you least expect it. And that’s the time you can thank your lucky stars you took out affordable health insurance.
When trouble strikes, you’ll be very glad you have a plan in place. Most of us never stop to wonder what it would cost us to spend 3 days in hospital. A lot more than you will want to pay out of your own pocket, that’s for sure! This is even more of a [roblem when you're young - it's easy to believe we're indestructible at the age of 20, for example. And yet a 20 year old has a much higher risk of being hospitalised after an accident. Illness, too, can strike, even at that age. For example, a girl I was friends with in college became very ill with little warning. She was hospitalised, and found to have meningitis. Very serious. Even more serious, when she finally left hospital, was the bill for over seven thousand dollars.
Young or old, it doesn't matter- it's always wise to check out the options when it comes to health insurance. You can find an affordable health insurance plan online.
There are plenty of sites that can help you find an appropriate plan. With so many options out there, there will be an affordable health insurance plan that's right for your circumstances. Don't get into a panic about having to pay big dollars - chances are, if you're currently healthy, that your payments won't be that bad. One thing is for certain - if you suddenly find yourself in a situation where you need health insurance, you'll be more than happy that you spent the money. Start searching for an affordable health insurance plan today. You can't start too soon!
By: Felicity Walker
About the Author:

by Raymond Williams
Amazon Price: $11.00
Customer Review: I had seen a 2007 Portuguese-language translation (first Brazilian edition of this work), of Raymond Williams's 1976 exceptional English book KEYWORDS, at the Saraiva Bookstore of Rio de Janeiro. Besides the drawback of having to read a translation, ...

by Peter Krogh
Amazon Price: $31.49
Customer Review:
I'm far from mastering all that is in this book but it is very well organized, and very easily understood, providing invaluable help on an otherwise complex task.

by Greg Jarboe
Amazon Price: $19.79
Customer Review: YouTube and Video Marketing, an Hour A Day by Greg Jarboe is a very useful tool for any marketing professional in learning how to begin and continue your journey into YouTube Marketing. I have used a lot of these tips and still reference back to it f...













