Health Reform: Why Your Rates Will Automatically Increase 50%

by Scott W. Dowling on December 22, 2009 · 0 comments

in Health Insurance

While intended to be helpful, the federal mandate included in the health reform package will automatically increase your health insurance premiums by 50%.  The math is so simple a 6th grader should have no problem understanding.
As part of health reform, legislators have demanded that 80 cents of every dollar be used to pay for care.  [...]

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Who Insures Your Paycheck?

November 5, 2009

You insure your home, your car, your life (aka your spouse and children’s future) without much thought.
Your employer offers help to insure you (hopefully) against financial loss due to sickness and accident to you and your family.
Those same business owners insure their business from financial loss.
That’s a lot of insurance. But is it everything?
• About [...]

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Repealing Antitrust Exemption for Health Insurers Right Idea But Wrong Path

October 25, 2009

So now the Senate is threatening the largest of insurance companies with costly and distracting lawsuits and justice department inquiries if Wellpoint (Anthem Blue Cross)/United Healthcare/CIGNA/Aetna (popularly referred to as BUCA) do not go along with the administration and Congress and their plans for healthreform.  By repealing an exemption from McCarran-Ferguson for insurers, it is [...]

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Comments to: Beginner’s Guide To Health Reform

September 11, 2009

The following is my reply to  David Wallechinsky at www.allgov.com

Mr. Wallechinsky, I appreciate the fact that you have taken the time to outline what you see as the current system. I would disagree that TriCare/Military care is socialized medicine. It is more a staff-model HMO, similar to Kaiser, where the employer happens to be [...]

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Cost of Employer Sponsored Health Insurance Skyrockets

September 10, 2009

My reply to www.allgov.com and Neil Brinkerhoff’s article:  Cost of Employer- sponsored Health Insurance Skyrockets.
Mr. Brinkerhoff,
Given that paid and incurred claims typically comprise 80% of the cost of insurance premiums, to what extent have you investigated the rise of the cost of care.  The cost of care (i.e.claims) are merely the payments made to doctors, [...]

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Medicare A Nice Idea In Theory That Increases Overall Cost of Care In Practice

April 30, 2009

To say that Medicare is the most successful insurance program is just flat wrong. And to think that Medicare For All will be even better is certain folly, too.

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Why You Need Excess Major Medical Insurance

April 21, 2009

Excess Major Medical insurance is not well known and is certainly different than your typical run-of-the-mill major medical – but boy will you like it when you need it!

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Changing Your Perspective on Health Care & The Price You Pay

April 21, 2009

The initial comment that got my attention dealt with the tweep’s suggestion that the insurance company should not be practicing medicine – nor should the insurance company be telling the doctor what type of treatment to follow or questioning the doctor’s professional opinion. The tweep said, “the problem of insurance companies practicing medicine by preventing people in pain getting what the physician order.”

I have never heard of an insurance company practicing medicine – so I asked which one was, indeed, practicing medicine. Further, I asked what the doctor and pharma company were charging for the drug regimen. And, I asked why they charged what they charged.

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Testing My Theory – Being An Engaged Consumer

April 4, 2009

My mom has had a recurrence of her colon cancer. She is holding up as well as could be expected. I am not.

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Health Insurance Is Not Health Care

March 13, 2009

As the debate on health care rages on in Washington and throughout the United States, and if there is only one thing that I can articulate with this blog, let’s agree to make on thing perfectly clear:

Health Insurance Is Not Health Care and Health Care is Not Health Insurance.

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