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Article Source: http://www.articlesbase.com/insurance-articles/medical-health-insurance-plan-i-want-my-free-health-insurance-quote-2026123.html

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My individual insurance costs around 00 a year. I expect it to go up. I have friends that pay more on individual plans just for medical. If McCain’s plan were in effect many businesses would no longer be allowed to deduct the costs of the health-care they provide and so would drop them. Anyone that had just about any pre-existing condition would not be able to purchase any reasonable insurance plan. McCain could never find a carrier himself. There are probably at least 50 million "baby-boomers that would not be able to afford insurance because just about everyone over 55 has something that could be called a pre-existing condition.

So, do you think there is affordable insurance available for most Americans based on your experience?
I guess a lot of you do not know what FULL health insurance even is…It includes everything Dental 00 a year limit, medical with 20% max copay…but free annual exam. and vision – a ncomplete pair of glasses every other year and exam and a pair of lenses on the off year.

No way would anyone get dental for 0 a month. Get real.
Note: I have Union insurance – it is similar to what our lawmakers get. We negotiate the cost of our insurance and get better deals than a single person without a group rate. Like I said I know what i would have to pay to continue my insurance, COBRA, but I don’t know if I could BUY it (when or if) Ieft my job. It sounds like most of you do not have comprehensive insurance.
I have NO preconditions. I do not even bother to charge my insurance for my a month thyroid pills…I just stated what my full boat insurance costs. It is probably more now…my insurance comes out of my wages which collects more than we need a month so we have a 12 month buffer in case work gets slow.

2.Dependent Care FSA: I’m planning to have a nanny to take care of the baby after I return to work. How do I reimburse it since it’s paid to individual? Will check copy work?

It’s all based on what the insurance company costs are, not the health of the patient.

In the article, the insurance company sends "reports" to doctors and hospitals and "suggests methods" to "trim cancer treatment costs" – and to not necessarily follow the "medical protocol" for the type of cancer to be treated.

http://online.wsj.com/article/SB10001424…

Read it and weep. We’re already there: Insurance companies "suggesting" limited treatment plans. Insurance companies directing medical care. What if it was your mother, father, brother or sister or your husband or wife being required to take a substandard treatment regimen to save the insurance company money?

And, least we forget – we’re all grown-ups here (supposedly). Try READING the article PRIOR TO COMMENTING.

Thanks kiddies…

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http://online.wsj.com/article/SB10001424052748703357104575045261652218880.html

Maybe this link will work better…

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"INSURER PLAYS JUDGE ON CANCER CARE", by Avery Johnson 02-09-2010, WSJ

UnitedHealthcare, a unit of the nation’s largest health insurer based on revenues, has started sending doctors individualized reports assessing their treatment of breast, lung and colorectal cancer patients. The reports show that while breast-cancer patients generally receive care that conforms to professional protocols, treatments given for colorectal and lung cancer tend to fail to meet expert recommendations more often.

Cancer is UnitedHealthcare’s third-most-expensive disease, at a cost of .5 billion a year, after cardiovascular disease and orthopedic joint procedures. The company says its goal is not to rank or reward medical practitioners. Rather, it hopes that drawing doctors’ attention to how their treatments might vary from medical protocol will reduce unnecessary care that doesn’t improve health and raises health-care cost
UnitedHealthcare and other insurers have programs in place to track medical treatments that are easier to measure than cancer is. For example, WellPoint Inc., the country’s largest insurer by number of members, has a pay-for-performance program in primary care that rewards physicians based on technology adoption and generic-drug use. But insurers have been slow to target cancer treatment and its costs, in part because of the disease’s complexity and how it can affect patients so differently.

"Oncology has always been the third rail for managed care," says Lee Newcomer, Unitedhealthcare’s senior vice president of oncology. "Insurance companies have been very reluctant to get involved in cancer care because any management might be perceived as denial."

Some critics say that monitoring quality is not the appropriate role for an insurer, which has a financial interest in all this. "This is one area I’d rather have doctors police themselves than have an insurance company do it," says Eric
says Eric Winer, chief scientific adviser for Susan G. Komen for the Cure, a research and educational organization.

The American Society of Clinical Oncology, a professional organization, has been running its own quality-assessment program, in which doctors’ performances are measured against national guidelines. The group is seeking to enlist the help of insurers to expand the number of participating physicians. One company that has signed on is Blue Cross Blue Shield of Michigan, which pays doctors to help defray the administrative costs of submitting their clinical data to the program a few times a year.

Cancer-treatment quality has been particularly hard to track because claims information tells insurers relatively little about the patient. The data often don’t make clear, for instance, if a breast-cancer patient is in remission or relapse. The differences in the disease’s stage are uniquely important for cancer, since tumors change over time, necessitating different treatments.
So for the past three years, UnitedHealthcare has been collecting clinical information directly from oncologists. The company then compared the choices that a doctor made for a particular patient’s treatment with claims data and guidelines developed by the National Comprehensive Cancer Network, a consortium of 21 leading treatment centers. In November, the company mailed the individual reports to 1,321 oncologists.

The company especially probed the use of high-price biotech drugs, which it says it found in some cases are being prescribed inappropriately. One NCCN guideline for colon-cancer patients advises that patients get chemotherapy after surgery, but in 31% of cases, the care did not comply with the rule. Instead, in the bulk of those cases, patients were prescribed Avastin, a Roche Holding AG biologic that is unproven in that patient group, says Dr. Newcomer. And among patients with non-small-cell lung cancer, about 24% received Avastin, even though their disease didn’t meet the

Americans rallied outside the Democratic National Committee calling for affordable healthcare in the United States. President Obama has said that reforming healthcare is one of his top priorities, but so far partisan politics has gotten in the way of actually accomplishing anything. 46 million Americans have no health insurance, and many say that there needs to be better options for those who can’t afford private health insurance.

thank you…

House Budget Committee Paul Ryan of Wisconsin joins NBC’s Meet the Press to highlight The Path to Prosperity: budget.house.gov Ryan highlights the House Republicans’ success in cleaning up the Democrats’ budget mess for the current fiscal year, but underscored the need to “move from talking about saving billions of dollars to going on to saving trillions of dollars.” Regarding the President’s request to raise the debt ceiling, Ryan argued that you first need “real spending cuts and real spending controls, real caps on spending going forward so we can take pressure off the debt and get this country on the right fiscal path.” Regarding too many politicians focused on the next election at the expense of the next generation, Ryan called for “a clean break from the politics of the past. Both parties do this to each other. Both parties use hyper rhetoric, both parties use all of this demagoguery. And what happens? We have political paralysis and we don’t fix the country’s problems, but we have a debt crisis staring us in the face and that’s what’s got to get fixed.” On the futile effort to chase ever-higher spending with ever-higher taxes: “The problem with a bunch of tax increases — the President just raised taxes 0 billion [in his health care law], he’s calling for new .5 trillion in tax increases [in his budget] –you slow down economic growth. We want job creation and economic growth. We don’t think the answer to prosperity is borrowing and spending more money. We got …

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Purchasing health insurance is a vital step to take in protecting your health for the long term. The unexpected happens, and health insurance can help in paying for what you can’t pay for out of pocket. Finding the right health insurance requires your time, knowledge and patience, as well as your idea of what you’re looking for. The tips below will get you going in the right direction. Buy a copy of your medical records. This will ensure that you will always have a copy, no matter which doctor you’re going to. When switching health insurers you may end up having to switch doctors as well, so you’ll have a record of every test and procedure you’ve already had done so you don’t have to repeat them with your new physician. If you’re self-employed, don’t forget that your health insurance costs can be tax deductible! Your insurance premiums should be considered as an above-the-line deduction, which means that they’ll lower your gross income on insurance forms. Getting the money you put into your insurance back in your tax return can be a big benefit to your finances. If you need more health insurance, do not take out a second policy. Instead, add a “rider” to your current policy. This is usually far less expensive. Only in some instances, is it more cost efficient to take out a second policy. If the person is in excellent health, you may want to shop around. If you are unemployed and have medical issues, you should subscribe to COBRA. COBRA allows you to stay on your …