วันพุธที่ 19 สิงหาคม พ.ศ. 2552

Top Ten Need-To-Know Travel Insurance Terms


"Travel insurance like all insurance is complex," explains Jim Grace President and CEO of InsureMyTrip.com, "but a fundamental understanding of industry terms and phrases that commonly cause confusion, can clear up some of the mystery. At InsureMyTrip.com, one of our key goals is to help travelers understand travel insurance, and that means starting with the basics." These are the top ten travel insurance terms that every consumer should know as they prepare to purchase trip protection for their upcoming travels:


1. A.M. Best Ratings -- Industry watchdog A.M. Best rates and assesses insurance companies' financial strength and ability to meet their obligations to policyholders. InsureMyTrip.com features a user-friendly monitoring tool for consumers to check the A.M. Best Ratings of all the leading U.S. travel insurance companies before you purchase coverage.


2. Unforeseen -- means not anticipated or expected and occurring after the effective date of the policy.


3. Primary -- This section of the policy will pay FIRST, before any other collectible insurance.


4. Secondary -- This section of the policy will pay you after any other Primary collectible insurance has paid the claim and the Primary policies' limits have been exhausted.


5. First Trip Payment Date -- This is the date that money first exchanged hands for the trip you want to insure. This is the date the check is written, not the date it is cashed.


6. Pre-existing Medical Condition Waiver -- Many policies have a pre-existing medical exclusion, meaning that coverage is not available for pre-existing medical conditions. A Pre-existing Medical Condition Waiver essentially deletes that exclusion and extends your policy to cover pre-existing condition-related risks. To be eligible for a Pre-Existing Medical Condition Waiver, the majority of travel insurance policies require that you purchase your policy within 10 to 21 days of your first trip payment date and insure for the full amount of your non-refundable travel arrangements.


7. Look Back Period -- This is the number of days that the insurance company will 'look back' from the date the insurance was purchased to see if your claim is related to a pre-existing medical condition. The Look Back Period varies by company and plan and does not apply if you qualified for the Pre-existing Medical Condition Waiver offered by many plans.


8. Cancel For Any Reason --This is an optional benefit that empowers travelers to cancel trips for any reason including sudden unemployment, schedule conflicts, even bad weather, up to two days prior to departure. Cancel For Any Reason policies vary by company and must be purchased within 10-21 days of your first trip payment date.


9. Financial Default -- This is a benefit that is part of Trip Cancellation/Interruption coverage. This protection applies if the airline, cruise line, or tour operator goes out of business and you are unable to travel as a result or suffer financial loss. Since this coverage is time sensitive, you must purchase a policy within 10 - 21 days (varies by company) of your first trip payment date. All of the plans that contain this benefit have a 7-30 day waiting period from the time of purchase before becoming effective. Typically, if you purchase travel insurance directly through a travel supplier such as an airline, cruise line, or tour operator, you cannot protect yourself should that travel supplier go bankrupt or become financially insolvent, so it is always best to purchase your travel insurance protection from a third-party source.


10. Travel agent vs. Tour Operator -- A Travel Agent is someone who books flights, cruises and tours. A Tour Operator is a company which specializes in the organizing and operation of pre-planned vacations which are usually sold to the public through travel agents.

Travel 101: Travel insurance - should you consider it? Is it worth it?


You've booked your tropical vacation weeks, even months ahead. You've scheduled your vacation with your employer. You've booked your airfare and your hotel, or are about to do so.

Then, the "what-ifs" begin to creep in. What if you or a family member becomes ill or is in an accident prior to your trip? What if a hurricane or tropical storm threatens the location you've chosen to spend your one cherished week in an island paradise? What if you or your spouse loses a job before your travel date?

Is trip insurance the answer to to gaining peace of mind and safeguarding your travel plans? Perhaps, but how do you sort through the maze of travel insurance companies competing for your business?

After researching several of the major companies separately, I found a great site which includes Editor Reviews of companies based on reputation, selection, policy benefits, coverage levels, and website usability.

Go to Travel Insurance Review (www.travelinsurancereview.net/reviews) to read more detailed information about nine different companies they rate from "Excellent" to "Very Good" to "Good."

avel Insurance: When to Get, Skip


Travel guru Peter Greenberg appeared on "The Early Show" Monday, with some advice on when to get travel insurance and when to skip it, what you need and some scams to watch out for.

Greenberg explained there are four categories of travel insurance:

1. Flight insurance
2. Trip cancellation and interruption insurance
3. Medical insurance
4. Bad weather and infectious diseases

Q: Why do you need travel insurance?
A: 1. Your flight has been canceled. Or you got sick right before taking a cruise.
2. Your bags are lost and your medication is in them. You need to have an emergency prescription filled.
3. Your passport and wallet are stolen, and you need emergency cash and a replacement passport.
4. You're involved in an accident, and adequate medical treatment is not available.
5. You need medical evacuation.
6. Your cruise line, airline or tour operator goes bankrupt. You need to have your non-refundable expenses covered and to get to your destination.
7. A terrorist incident occurs in the city where you're planning to visit, and you want to cancel your trip.
8. A hurricane forces you to evacuate your resort, hotel or cruise ship.

Q: And these scenarios happen to thousands of people every day. Tell me about some of them?
A:
-A couple on an Alaskan cruise got off the ship when it pulled into Juneau. As they walked near the ship, they approached a person in a moose costume. Thinking it was a cute animal character out to greet cruise ship passengers, they asked to have a photo taken with the moose and were held up at gunpoint instead.
-Two friends were driving in a rental car through Hawaii. As they were enjoying the scenery, a huge wild pig suddenly ran in front of the car. The automobile was totaled.
-And of course there is always the seasonal story of the honeymooning couple on a Caribbean island, stranded by a hurricane that destroyed their hotel.

Q: So what kind of travel insurance do you need? What insurance should you avoid? How much does it cost? And just as important, where do you buy the insurance, and from whom? It makes a real difference.
A:
1. First, there's flight insurance. It pays your beneficiary if the plane crashes and you are killed or injured. This is perhaps the most useless insurance you can buy. The premiums are very high, and besides, you are already probably covered by life insurance or other benefit plans. So avoid it.

2. Trip cancellation and interruption insurance. This insurance becomes necessary depending on the amount you've invested in your trip. Buying a $59 ticket on southwest? Probably not. But a $4000 cruise. I'd recommend it. Depending on the policy, it covers you if your trip doesn't operate (the flight cancels, the cruise doesn't sail), or if you get sick before your departure, or during the trip. And some policies, for a higher premium, allow you to cancel for any reason.

3. Medical evacuation and repatriation insurance. I highly recommend this policy for anyone who travels. It's an annual premium -- between $250 and about $400, and believe me, it's the one card you need to carry and hope you never have to use, but if you do, it's more than worth it. (i have one). What this insurance covers is if you get sick or injured, the insurance pays to get you stabilized (treated) and then flown out.

But be careful: Not all policies are the same. Med Jet Assist, for example (and some others) is a great policy because it flies you out to the doctor and medical facility of your choice. This is a huge distinction with other med evac and repatriation policies, which may fly you to the doctor and medical facility of their choice, which means you're going to the lowest bidder. Not a good thing!

Q: What are the two primary reasons to purchase travel insurance?

A: Protecting your upfront financial investment with trip cancellation coverage, and protection for medical emergencies, lost baggage, travel delays and other "what ifs" that can occur while traveling.

Q: What are plans available?

A:
-Travel insurance companies, like Access America, will offer 24-hour global assistance for issues like lost bags, securing last-minute hotels if your plane is delayed/canceled, finding a local doctor, arranging an evacuation, dealing with lost documentation.

-"Comprehensive insurance" packages will generally include trip cancellation, as well as emergency medical and dental, emergency medical transportation, and travel delay coverage.

-Limited plans, like airline ticket protectors, usually only cost about 4 percent of the trip. More comprehensive coverage ranges 4 percent to 10 percent of trip cost, which varies depending on the benefits, coverage levels, trip cost and traveler's age.

-Travel insurance plans may also cover scenarios such as job loss, jury duty, carrier caused delays and work related reasons.

Q: What are some things you need to be careful of?

A: Read the fine print: Many policies do not cover "adventure travel," such as mountain climbing, bungee jumping and even snowboarding. An extra or alternative policy may be required.

-It's hurricane season, so consumers must purchase travel insurance before a hurricane is named by the national hurricane center. If your destination is hit by a hurricane when you get there, but the airport or resort is still operating, you may not be covered-even though your vacation is ruined.

-Many policies will not provide coverage for pre-existing medical conditions, unless the policy is purchased within 10 to 15 days after you book your travel.

-Other common exclusions include losses caused by acts of war, self-inflicted wounds and unlawful acts (including drunk driving).

-Car rental insurance is not really insurance, it's a waiver that releases you of liability should there be damage to a car. Know the difference between collision damage waiver and liability damage waiver, and check with your credit card or existing travel insurance policy to see what is covered.

Q: What is the difference between medical insurance and medical evacuation coverage?

A: Health insurance often does not apply when traveling abroad or in international waters. If you are seriously ill or injured, you may need to be evacuated to a medical facility that can provide the appropriate treatment. That can cost tens of thousands of dollars, which comes out of your pocket, unless you have travel insurance.

-This can especially be important if you are older, traveling on a cruise ship, or to any destination that does not have excellent medical capabilities.

-Traditional insurance guarantee payment to the transport providers and coordinates everything with your attending physician and its team of doctors and nurses.

-Medical evacuation companies like Medjet Assistance will not just evacuate you to the nearest facility, but will take you to the hospital of your choice -- even if that means repatriating you to your home hospital.

-Other companies like Medex and Oncall international offer similar protection, but read the fine print. Medex Safetrip ($56, based on one-week trip to Argentina) takes you from point of injury or hospital and evacuates you to the "nearest appropriate hospital" and the evacuation criteria is at the company's discretion. Medex Take Me Home ($178, same criteria) evacuates you from the initial treatment facility to the hospital of your choice closest to home or the nearest appropriate hospital, at the company's discretion. Oncall ($135, same criteria) takes you from the initial treatment facility to the hospital of your choice nearest home or the nearest appropriate hospital at the member's discretion. Medjet Assist ($215, same criteria) takes you from the hospital and accessible airstrip to the hospital of your choice at the member's discretion.

วันพุธที่ 5 สิงหาคม พ.ศ. 2552

Mexico City offers travel insurance for tourists

Officials in Mexico City hope to lure skittish tourists with unusual bait: complimentary health insurance. Under a new program, tourists who stay in the city’s hotels are eligible for free coverage for emergency medical care, hospital stays, prescription drugs and ambulance services.
The initiative, called the “Tourist Assistance Card,” grew out of Mexico’s recent H1N1 flu crisis, which sent tourism plunging nationwide as would-be travelers steered clear. In Mexico City, which had the country’s most reported flu cases, a near-complete shutdown hammered hotels and restaurants, compounding damage caused by the global recession.

The insurance program is run by the city’s tourism office through a private insurer, MAPFRE. Anyone staying at a Mexico City hotel is eligible for coverage, officials said, and can get help by dialing a call center, which will have attendants fluent in English, French, German, Portuguese and Spanish. A deductible will apply for some services, but officials did not provide details. Typically, travel insurance places limits on coverage for emergencies.


“Of all the world’s largest cities, Mexico City is the first to try this,” Mayor Marcelo Ebrard said Tuesday at a ceremony unveiling the service.

Mexican tourism officials expect depressing year-end results, in part due to the flu outbreak and the recession. Tourists also have stayed away due to drug-related violence that has killed more than 9,000 people since January 2008, according to unofficial tallies in the Mexican media.
During the flu crisis, travelers fled resorts such as Cancun, leaving them as surf-washed ghost towns. Some hotel chains have tried to attract tourists by promising free vacations to anyone who contracts H1N1 during their stay.

Meanwhile, the city braces for the next flu season.

Eighty per cent of Britons don't buy travel insurance for UK trips

A shocking 82 per cent of Britons holidaying in the UK this year could end up with sky-high bills because they have not thought to buy travel insurance cover.
Many staycationers who think they have beaten the recession by holidaying at home don't realise that they still need travel insurance to make sure they are covered in case of holiday cancellation or lost luggage.

Although Britons don't need to worry about health costs in the UK, with swine flu still spreading quickly it is important to have your holiday insured in case you have to cancel it for health reasons.

But holidaymakers need not worry about insurance bumping up the cost of their trip.
Stuart Bensusan, also a director at EssentialTravel.co.uk said: '60 to 70 per cent of the cost of travel insurance when you are abroad is for medical problems so to insure yourself for travel in the UK is actually very affordable as you won't need the medical cover.

Also, Britons with an annual, multi-trip policy will automatically be covered for trips within the UK.

Mr Bensusan adds: 'Cancellation is the second most popular claim on travel insurance after medical fees so it is wise to make sure you have insured yourself for your UK break.

'When looking for insurance make sure it is underwritten by a reputable insurer based in the UK. That way is there are any problems you know you are dealing with a reputable company subject to British law.'

Tourists warned on insurance fraud


Holidaymakers have been warned they face higher insurance costs and possible prosecution if they are caught making fraudulent travel insurance claims.

The Association of British Insurers said it detected 4,300 dishonest travel insurance claims worth £5 million during 2008.

It warned that insurers and overseas police forces were becoming increasingly vigilant about insurance cheats, with details of fraudulent claims now kept on industry-wide databases used by insurers and other financial services firms.

Travel insurance advice

With the school holidays now well underway, many brits will be looking to pack up their bags and travel to sunnier climates for a week or two of rest and relaxation, however as many families are feeling the pinch this year getting the best value travel insurance policy as well as holiday is vital.

With the collapse last year of several airlines and the rising costs of medical treatment abroad, it’s important to ensure that you are travelling with the right amount of insurance cover for your trip. In January we saw the introduction of travel agent regulation, spelling an end to the days when insurance could just merely be added onto your trip, which is a bonus to many travellers as our research shows that by taking the travel insurance out that’s offered by your travel agent, a family of four going to Europe for a week can pay over £50 more than taking the best standalone policy offering similar cover”.

With recent reports citing that of over 20% of travellers forgoing on travel insurance, this means that potentially one in four of the 3 million brits travelling abroad this summer will be travelling without cover, leaving themselves exposed to hundreds, even thousands of pounds worth of costs should they fall ill or have an accident abroad.

To ensure a safe and enjoyable trip, Moneyextra.com recommends that travellers ensure their policy has the following minimum cover limits

วันอังคารที่ 14 กรกฎาคม พ.ศ. 2552

Travel Insurance and Tips to Avoid Sickness In Vacation


One of the biggest concerns when travelling to foreign countries is how to avoid catching bugs or a bad case of the 'tourist trots,' especially when your health insurance is not covering oversease health costs and you don't have a travel insurance. It can be hard to know what is safe to eat and what should be avoided. No matter how careful you are, however, it is very easy to unwittingly expose yourself to bacteria, germs and viruses. That is one reason why taking out travel insurance is very important.

Some basic awareness, plus following a few simple food hygiene tips, can help avoid a nasty case of Delhi Belly, Montezuma's Revenge, or whatever the affliction may be called in that part of the world:

* Make sure food is well cooked and very hot (to kill any bacteria present)
* Avoid food that may have been left sitting out at unsafe temperatures (i.e. buffets)
* Be wary of buying food and drinks from street vendors
* Avoid consuming sauces/condiments that have been left on tables
* Don't eat garnishes (they may have graced many plates!)
* Avoid drinking tap water, milk, and stay clear of ice cubes in drinks
* Avoid salads/lettuce (washed in water)
* Stick to sealed, bottled water or boil or purify it yourself
* Be wary of some airline food, especially if taken aboard in a foreign country
* When it comes to fruits and vegetables - if you can't peel it - don't eat it!

Be careful when consuming locally-produced drinks such as rice wine or 'arak' (several deaths occurred in Bali following ingestion of methanol-laced rice wine).

If you get sick with diarrhoea and/or vomiting it is important to stay hydrated. Sip purified water, tea or soft drinks (preferably drinks without a lot of sugar or additives). Only resort to using anti-diarrhoeal medicine when you are absolutely certain you need it, as the downside is developing constipation. Avoid drinking alcohol and eat dry food like crackers and toast until the worst is over.

In most cases, a bout of diarrhoea from contaminated food will knock you off your feet for a few days and the duration of the illness can vary. If symptoms persist or are unusually severe always seek medical help to rule out anything more serious. If outpatient tests are carried out, ask for copies to take with you and obtain receipts so that you can claim on your travel insurance. If hospitalization is required you will normally need to obtain authorization for treatment by calling the hotline provided in your travel insurance policy.

If you have been bitten by insects, especially mosquitoes, and develop suspicious symptoms like fever, chills or flu, always seek medical attention. Serious diseases like malaria take several days to incubate so symptoms may not appear until after you have returned home. If this happens arrange an appointment with your doctor and explain that you have been travelling.

A few more reminders:

* Always clean and treat cuts to avoid infection and Tetanus
* Carry a first-aid kit and hand-sanitizer with you
* Use mosquito-repellent products
* Wear light-coloured clothing to easily spot mosquitoes, ticks and bugs
* Take steps to guard against tick bites and Lyme Disease
* Be wary of swimming in fresh-water pools in tropical areas (however tempting it looks). It is possible to pick up parasitic infections like schistosomiasis from infected water
* Get all recommended vaccinations, including a Tetanus booster if needed
* Carry a list of contact numbers for the embassies in the areas you are visiting in case you need help finding an English-speaking doctor or other assistance

Other common ailments which can affect travellers include: Altitude sickness, heat stroke, heat exhaustion and serious sunburn. The latest concern to worry about is exposure to Swine Flu; if you think you may have been exposed and develop symptoms seek medical help. A good travel insurance policy should provide for emergency medical repatriation to get you back home once you are fit enough. However, always read the terms and conditions of your particular policy so that you understand the cover provided.

A wide variety of bad bacteria and diseases may just be waiting for an unwary victim or host like you to come along, so do your research and be prepared before leaving home. It is your trip, your money, your life - so use your brain - and don't make yourself an easy target for anything to bug you!

Written by Jean Andrew

วันศุกร์ที่ 10 กรกฎาคม พ.ศ. 2552

Adventure trips need ample travel insurance deals


Holidaymakers planning adventure sports or activities must check the small print of their travel insurance deals, esure has warned.

According to new research from the insurer, more than one in 10 holidaymakers, amounting to more than 5 million people, have been injured while taking part in such an activity abroad.

However, less than three-quarters of respondents said that they would check their travel insurance deals to make sure they were covered, while 13% said that they would take part in an activity even if they knew their policy was inadequate.

Mike Pickard, head of travel insurance at esure, advised holidaymakers to compare travel insurance offers to ensure that they are covered for everything they intend to do.

"With a surge in the popularity of, and access to, more adventurous sports and activities at holiday resorts across the globe, it's crucial for holidaymakers to take out travel insurance and check what they're covered for," he said.

"Have an accident without insurance and the medical bills could turn a paradise trip into a nightmare if you're not properly covered."

วันพุธที่ 1 กรกฎาคม พ.ศ. 2552

Why you might need travel insurance


Life is filled with unexpected moments, and many tend to occur on vacation or a business trip.

To help protect against unpleasant, unexpected moments, many people buy travel insurance before leaving home.

Many others wonder if it’s worth the additional expense, which generally starts at about 5% to 7% of your trip cost.

But depending on your circumstances, insurance could protect you against a wide range of potential problems.

“As a musician, I have to travel a lot for both business and pleasure,” said 40-year-old pianist and composer Jonathan Faiman of Hartsdale, Westchester. “Life is unpredictable, and it’s better to be safe than sorry. I always add the optional insurance when booking travel because it gives me added piece of mind.”

For someone like Faiman, insurance makes perfect sense.

“If I think I may need to cancel my travel plans or alter them considerably, by adding the cancel for any reason option to a travel insurance policy, I know I won’t ever lose money on otherwise nonrefundable travel,” he said. “This aspect of the policy alone has saved me a fortune.”

Dan McGinnity, a spokesman for insurance company Travel Guard, said, “Purchasing a travel insurance policy offers vacationers and business travelers alike added piece of mind, especially when traveling internationally.

“We offer free telephone assistance, available anytime, should any problem arise,” he said. “We’ll help fix the situation, whether it’s rebooking a missed flight, finding and paying for emergency medical attention for you, or helping you replace a lost or stolen passport.”

A comprehensive policy typically covers you if your plans are disrupted, your luggage is lost or stolen, or if you become ill or injured after purchasing the policy and need medical attention or, perhaps, an emergency evacuation.

“Americans have a misconception that their existing health insurance will cover them anywhere,” McGinnity said. “It’s essential for travelers to determine, in advance, what their existing medical insurance will cover.”

Most standard policies don’t cover cancellations based on your state of mind. That means deciding you’re afraid to travel won’t be covered.

While not cheap, cancel for any reason coverage will cover all nonrefundable expenses.

“What you choose will determine your level of coverage, what will ultimately be covered and the policy’s cost,” McGinnity said.

วันพฤหัสบดีที่ 25 มิถุนายน พ.ศ. 2552

10 Ways to Keep Your Mind Sharp as You Age


1) Eat well
A rule of thumb is that what's good for your heart is good for your brain. Indulge in fruits and vegetables and foods with B-complex vitamins, like oats, barley and wheat bran, and omega-3 fatty acids, like fish — especially salmon and tuna. Avoid foods with saturated fat, found in fried foods, butter and cheese.
2) Exercise
Physical activity pumps blood through your organs, including your brain. As little as 30 minutes of low-level activity like brisk walking improves blood flow, which increases neural growth and brain connections. When vessels in the brain are blocked cognitive ability decreases, and the risk of stroke increases, says Rosebud Roberts, associate professor of epidemiology at the Mayo Clinic College of Medicine.
3) Play games
Thanks to an aging baby-boom generation there are now plenty of mentally stimulating games. Brainteasers and puzzles are good exercises for the brain. So are games that force you to strategize like chess, bridge and solitaire.
4) Learn a new skill
A long-term goal like learning to play a musical instrument or speak another language will challenge your brain on many levels over an extended period of time. A skill like learning to dance is great for the brain because it combines music and movement.
5) Make everyday activities harder
You can stimulate your brain just by mixing up your daily routine. Try brushing your teeth with the opposite hand or showering with your eyes closed — anything that will force you to use more of your senses.
6) Read. Read. Read.
Whether your weapon of choice is this web site, a novel or a newspaper, keeping your mind engaged in intellectual activity and expanding your vocabulary are two important ways to keep your brain in shape. As an added exercise, repeat facts you want to remember a few times in your head and try to recall them again later.
7) Relieve stress
Try yoga, meditation or just taking a breather every now and then. High blood pressure, as well as anxiety and depression, have been linked to declining cognitive function, says Roberts. "Anything you can do to keep your brain active and healthy will be beneficial," she says.
8) Socialize
The brain loves activity. "It's kind of like a party animal," says Doraiswamy. If your lifestyle leaves you isolated, seek out clubs or other social activities that will surround you with people. New scenery and other multi-sensory activities force the brain to form new connections, increasing memory capacity. For more SmartMoney Magazine features, turn to the September issue.
9) Drink
But not too much. Studies have shown that people who drink small amounts of alcohol — between one and six drinks per week — are less likely to develop dementia than people who don't drink at all. Doraiswamy says red wine, in particular, has anti-inflammatory effects, which benefits the brain. But don't overdo it — heavy drinking depletes the brain of B-complex vitamins and Thiamin.
10) Sleep
A healthy sleep pattern is key to maintaining memory function since your brain locks in new information during REM sleep. Adults should get seven to nine hours of sleep each night — and remember, REM is the last of five sleep cycles, so make sure it's an uninterrupted rest.

Guaranteeing health care coverage for all Americans


Each year, I travel to all of Wisconsin's 72 counties and hold an open, town hall-style meeting. In the 17 years I've held these listening sessions, health care has consistently been one of the top issues raised, particularly the skyrocketing cost and difficulty accessing health care. Having listened to the concerns of families, businesses, health-care professionals and others about why health-care reform is so urgently needed, I have the following goals as Congress undertakes this vital and long-overdue debate:



Guaranteeing coverage for all Americans: Every Wisconsinite deserves guaranteed, affordable, high-quality health care — just like every member of Congress has. For too long, Congress has delayed action on reforming our health-care system and now that system is in crisis. It is unacceptable that more than 46 million Americans are uninsured, and that millions more pay for insurance that does not begin to cover their medical needs. We must create a health-care system where the excellent health care that is now only available to some Americans will be available to all.


Supporting a strong public option: While Wisconsinites should be able to retain their current coverage if they choose, providing a strong public health insurance option will allow the government to compete with private insurers in the health insurance market in order to keep health-care costs down for all Wisconsinites, even those who retain their private care. One major benefit of a public option is it would bring welcome relief to areas of our state with high unemployment rates. A public health insurance option would be invaluable to those who have recently been laid off, because it is a guaranteed, affordable option that can travel with an individual from job to job.


Taking a fiscally responsible approach: Reforming our health-care system is also an economic imperative. Americans spend an unsustainable $2.2 trillion on health care each year. From ensuring the solvency of our entitlement programs to helping households across the country balance their checkbooks, reforming health care is necessary to getting health spending under control. Health reform will likely require significant initial investments, but, if done right, it can also yield significant savings in the near future. For example, by adopting the Wisconsin model for health-care delivery, taxpayers would save billions of dollars.


Strengthening long-term and community care: I am committed to making long-term care a key part of any reform. Since my time as chair of the Wisconsin State Senate's Aging Committee, I have worked to give seniors and others needing long-term care the choice to remain in their own homes and communities instead of entering institutional care. Wisconsin's nursing homes provide an invaluable service to our communities, but nursing homes should not be the only option for receiving care. Long-term care must be part of health-care reform because helping more people live in their homes is the best way to meet the preferences of families while saving taxpayer dollars.


Restoring fairness to Medicare reimbursement: The Medicare reimbursement formula has shortchanged Wisconsin for far too long. It is unacceptable that Medicare provides a more generous reimbursement rate for a procedure done in other states than it does when the same procedure is done in Wisconsin, simply because of an outdated and flawed reimbursement formula. I've been fighting to fix this problem for years, and reducing the inequities in Medicare reimbursement payments is a priority of mine as Congress tackles health-care reform.

วันพฤหัสบดีที่ 18 มิถุนายน พ.ศ. 2552

Individual Mandate for Health Insurance Affordable and Fair



WEDNESDAY, June 17 (HealthDay News) -- Reforming the health insurance market so that all individuals are required to obtain at least a minimum amount of health insurance would eliminate the problem of adverse selection that the current system enables insurers to avoid, according to a perspective published online June 17 in the New England Journal of Medicine.

Linda J. Blumberg, Ph.D., and John Holahan, Ph.D., from the Urban Institute in Washington, D.C., write that the consequence of the current system is a health care system segmented according to health risk rather than being focused on providing efficient access to high-quality medical care.

Requiring everyone to have at least a set minimum level of health insurance would eliminate adverse selection, poor health would no longer prevent people from obtaining insurance, and public funds currently spent protecting the uninsured could be redirected to finance a system based on income-related subsidies, the authors argue.

"Enforcement of the mandate is the final issue. Once adequate subsidies exist, enforcement is essentially a matter of fairness to people who are playing by the rules. We believe enforcement through the tax system is the most efficient approach," the authors write. "An enforceable individual mandate, with adequate subsidies and benefits, as well as a choice of plans, is the most politically feasible route to universal coverage in the United States today."

Concern over school medical care


Schools are putting teaching assistants under increasing pressure to carry out medical procedures without appropriate training, a union warns.

Unison says most support staff only hold a basic first aid certificate.

But some are being asked to carry out procedures such as administering drugs for heart problems, changing colostomy bags and testing blood sugar levels.

Government guidelines say staff must be properly trained before carrying out any medical procedure.
And they stress that it is the responsibility of schools to make sure that is happening.

Unison is calling for the introduction of new, tougher guidelines setting out what support staff should and should not be asked to do.

The survey found 85% of the 334 respondents were expected to provide medical support, and 70% to administer medicines as part of their job - even though these are voluntary duties.

Lack of competence

One in four respondents did not feel competent and comfortable with the responsibility of administering medicines or providing medical support.

And one in three said they were not familiar with school policy on how to do it.

Michelle McKenna, a schools support worker from Durham, said: "I know school support staff who routinely have to change colostomy bags, administer drugs or epilepsy medicine.

"Some staff have to do tube feeding or take children as old as their early teens into the toilet - often without proper training.

"Support staff are really worried that they will make a mistake.

"But they are even more worried about the safety of the children they look after.

"Many of the procedures they are being asked to do are above and beyond what they signed up to do, and it is only a matter of time before something terrible happens."

วันพุธที่ 10 มิถุนายน พ.ศ. 2552

Minority lawmakers seek equality in healthcare reform


WASHINGTON (AFP) — African-American, Hispanic and Asian-American members of the US House of Representatives on Tuesday sought equal protection for minorities under healthcare reform plans pending in Congress.

Of the 47 million uninsured people in the United States, Congressional Black Caucus chairwoman Barbara Lee noted that more than half were from racial and ethnic minorities.

"The Congressional TriCaucus stands together and speaks with one voice to demand health care reform NOW, and to demand an end to the factors that perpetuate racial and ethnic health disparities in this country," she said in a statement.

The Congressional TriCaucus groups the Black, Hispanic and Asian Pacific American caucuses in the US Congress.

Under a proposed bill, TriCaucus members called for eliminating existing racial and ethnic disparities as part of healthcare reform legislation Congress is set to take up in the coming days.

Congressional committees have already begun working on the massive overhaul, a top priority of President Barack Obama's administration.

A draft bill was released Tuesday by Senate Health Committee chairman Edward Kennedy, a Democratic stalwart who has spent much of his career pushing for an overhaul of the healthcare system.

Fellow majority Democrats senators Christopher Dodd and Max Baucus have taken up the legislation due to Kennedy's absence from the Senate due to health concerns of his own.

The healthcare reform legislation seeks to expand medical insurance coverage to all Americans, by reducing healthcare costs and making health coverage affordable to the uninsured.

The plan, which allows those who have insurance to keep their coverage, also aims to reduce by half the huge federal deficit by the end of Obama's term in 2013.

วันพฤหัสบดีที่ 4 มิถุนายน พ.ศ. 2552

Lack of insurance cover for H1N1-affected travel


IN THE light of a sharp increase in Influenza A (H1N1) cases globally and in Singapore, I had decided to cancel my family's trip to the United States and Canada this month.

My family had planned the trip a few months ago and we were very disappointed that the outbreak of H1N1 flu had derailed our travel plans. However, we followed the advice in the travel advisory issued by the Ministry of Health (MOH) to avoid non-essential travel to the affected areas, which include Canada, Mexico and the US, since I would be travelling with my children, aged nine and 10. I would like to applaud Singapore Airlines for allowing us to cancel our trip from Singapore to New York without penalty.

I had also booked domestic flights from New York to Toronto via Delta and American Airlines, but they refused to let me cancel the bookings with refund on the grounds that the tickets were non-refundable and that they do not classify New York and Canada as affected areas.


Given this, I called MSIG Insurance, as my family is insured under its travel plan, to enquire whether I could file a claim for non-recoverable expenses as a result of trip cancellation based on MOH's travel advisory. To my surprise, I was told by MSIG Insurance that our medical expenses would be covered if we were infected by the H1N1 virus, but expenses arising from trip cancellation due to the H1N1 flu are not covered.

I bought travel insurance for peace of mind, but I felt unprotected in this case. Airlines, travel agencies and insurance companies should play a more active role in supporting MOH's travel advisory by accommodating the needs of passengers or customers who have decided not to travel to affected areas.

For the benefit of other travelers, I would like to ask the General Insurance Association of Singapore for its advice and assistance in forwarding this message to its members.

I hope that insurers can exercise empathy and provide their consumers with better and wider coverage when dealing with unexpected outbreaks of viruses like Sars and H1N1.

Ms Yvonne Kong

Rising Health Insurance Costs Worry Americans


With health insurance costs on the rise, concern American families as to how to afford health care is growing. Increased costs in the health care sector have far outpaced other sectors and standard inflationary rates. The rise in costs is due to a number of reasons. Increases in medical malpractice suits, and thus insurance rates providers must pay, have increased dramatically in the last decade and a half. Misuse of emergency rooms, lack of preventive care, sedentary lifestyles, and increases in the number of elective surgeries are just some of the other reasons behind the rising costs of health insurance.

The current state of the economy and rising jobless numbers is making the situation even tougher. With many families' health insurance tied to their job, the loss of that job means much more than the loss of wages. For families with members with pre-existing conditions, finding affordable rates in a timely manner is difficult but necessary. COBRA health insurance gives workers rights to continue their coverage in the event of a job less, however, workers usually are responsible for the full amount of the premium.

Some experts and many in the media blame health insurance companies for hiking rates and singling out unhealthy individuals. The problem does not rest entirely on the insurers themselves. Legislation in place preventing sales of plans across state lines prevents insurers from developing larger client pools, thus spreading the burden across more payers. Allowing interstate sales of plans would go a long way in assisting insurance providers in developing lower costs for consumers with larger risk-pools.

Discussion on taxing health benefits is another growing worry to many American families. For those family members keeping their jobs, the idea of more taxes is daunting. GOP Presidential candidate John McCain came under fire last fall for suggesting such a step was needed to pay for an overhaul in the nation's health care system. President Obama claimed to be against such a measure at the time but is now reportedly looking into the idea, one that officials claim would raise more than $3.5 trillion in the next decade. Talk of such a measure is leaving many Americans wondering how this will help them personally with affordable health insurance.

Some families are switching to health insurance plans with lower premiums but higher deductibles, plans of which cover less preventive and expected care and focus more on catastrophic events. Some experts argue this is a better model for the health care industry. Just as car insurance providers do not pay for annual maintenance of a vehicle, oil changes, or new tires, some argue annual physicals and other basic care measures are not an insurers' responsibility. Some argue insurance should be limited for visits to specialists, severe accidents, and other catastrophic events.

By cutting costs all around American families are finding ways to afford their health insurance. The majority of the country does have insurance, and many statisticians argue more than half the 45 million without could afford access to various plans. With health insurance costs on the rise, Washington should allow for companies to develop the largest risk pools as possible. This step alone would help stem the tide of higher costs everywhere.

Source: Kyle Godfrey

Medical bills play a role in 62% of bankruptcies, study says


President Obama's push for healthcare reforms gets a boost today from a new study by Harvard University researchers that shows a sizable increase over six years in bankruptcies caused in part by ever-higher medical expenses.

The study found that medical bills, plus related problems such as lost wages for the ill and their caregivers, contributed to 62% of all bankruptcies filed in 2007. On the campaign trail last year and in the White House this year, Obama had cited an earlier study by the same authors showing that such expenses played a part in 55% of bankruptcies in 2001.

Medical insurance isn't much help, either. About 78% of bankruptcy filers burdened by healthcare expenses were insured, according to the survey, to be published in the August issue of the American Journal of Medicine.

"Health insurance is not a guarantee that illness won't bankrupt you," said Steffie Woolhandler, one of the authors, a practicing physician and an associate medical professor at Harvard.

"Lots of health insurance comes with big co-payments, deductibles and uncovered services," she said. "So you can be insured and still end up with big bills. At the same time, even if you have good insurance through your employer, you can lose it if you get sick and can't work."


Most people who filed medical-related bankruptcies "were solidly middle class before financial disaster hit," the study says. Two-thirds were homeowners, and most had gone to college.

The study does not suggest that medical expenses were the sole cause for these bankruptcies, but it does identify them as a contributing factor. The increase in such filings occurred despite a 2005 law aimed at making it more difficult for individuals to seek court protection from creditors.

And the latest study probably understates the current burden of medical expenses because it is based on bankruptcies filed before the recession hit.

The findings by a team of Harvard researchers from the law and medical schools are expected to help fuel the debate over what type of healthcare system is right for the U.S.

"If an individual's health expenses reached a certain level, there could be tax credits or other assistance to help those individuals," he said.

The study found that medical-related bankruptcy filers with private insurance reported average medical bills of $17,749. By comparison, people who filed for bankruptcy without insurance reported average medical expenses of $26,971.

Individuals with diabetes and neurological disorders, such as multiple sclerosis, had the highest medical bills, averaging $26,971 for those with insurance and $34,167 for those without. Hospital bills were the largest expense for about half the families that filed health-related bankruptcies.

วันจันทร์ที่ 11 พฤษภาคม พ.ศ. 2552

Dealing Without Health Insurance: 2 ways to avoid the emergency room trap


The Emergency Medical Treatment and Labor Act, or EMTALA, made it illegal for hospitals to refuse to help people in medical need based on ability to pay. Unfortunately, uninsured people sometimes end up in the ER because a lack of routine care pushes their bodies to the brink or because they feel as if they have nowhere else to go, even for routine medical concerns.

A study done by the National Association of Community Health Centers found that Americans waste $18 billion a year on unnecessary ER visits. Because hospitals charge the uninsured significantly higher rates than the rates that insurance companies pay, Davis Liu, M.D., author of "Stay Healthy, Live Longer, Spend Wisely," says, "Never ever use the emergency room for routine medical care."

ERs handle life or limb-threatening injuries or conditions. Always go to the ER in these situations. However, you have other options for scenarios of an imminent, but not emergency, nature.

Call your doctor, community health center or hospital advice line. The on-call doctor or nurse can help determine if your symptoms warrant a trip to the ER, an urgent care facility or some medications to tide you over until you can be seen in a normal clinical setting.

Visit an urgent care clinic. These clinics address immediate medical needs other than life or limb-threatening problems. They are typically open when regular doctors' offices are closed.

Brits omitting travel insurance information


are withholding vital information about medical conditions when purchasing travel insurance as the credit crunch takes hold.

As a result travel insurance could be invalid, warn experts at specialist AllClear.

Three out of five holidaymakers admit to either holding back crucial details about their medical history, or not being aware of its importance unless/until prompted.

The rising cost of premiums, or the risk of being refused cover altogether, are thought to be to blame. Lack of awareness of whether such minor conditions as asthma or high blood pressure need to be declared is also an issue.

"Some travellers do not understand the potential consequences of their pre-existing medical conditions," said Chris Blackman, head of product development at AllClear.

"And yet if they fall ill abroad, and need to be repatriated, they could find themselves facing an enormous bill."

AllClear's research shows that cost is the major driver in choosing an insurance product: 57 per cent said that they sought out the cheapest insurance, while only 22 per cent said that they were looking for value for money.

"Travel insurers share common issues with motor insurers," added Mr Blackman.

"Cheaper products often mean less cover, and policyholders only discover they are not covered at the point that a claim is made."

³Unfortunately this can often end in disaster. Failing to disclose such vital information means your insurer will be within their rights not to honour your claim, and you could be left stranded.²

AllClear recently reported that the average cost of claims for repatriating holidaymakers taken ill whilst overseas is in excess of £25,000.

An analysis of claims handled by the medical travel insurance specialist, showed that insurers are increasingly having to fork out huge sums to get travellers home, even for apparently minor injuries or ailments.

วันพฤหัสบดีที่ 23 เมษายน พ.ศ. 2552

Dealing Without Health Insurance


The reality of losing a job and the health insurance that went with it is daunting for people accustomed to employer-sponsored plans. It's a challenge self-employed people struggle with all the time, but going it alone on the open market is becoming more common as employers bow out of the health care business.

Karen Pennington, Ph.D., an associate professor in the nursing program at Regis University, says, "75% of the health care in this country traditionally comes from your place of employment. That number is falling. It is now down to 73% because employers are saying, 'I can't do it anymore. It's either pay an employee or pay into a health care system and fire an employee.'"

While the current administration places health care among its top priorities, it will take time to implement a plan. In the meantime, if you find yourself outside the relative safety of group health insurance plans, you have important decisions to make. Here's how you can make the best of a tough situation.

3 ways to avoid gaps in insurance coverage
Any lapses in health insurance coverage void federal and state protections and make getting insurance harder or even impossible. Avoid them whenever possible.

COBRA. The Consolidated Omnibus Budget Reconciliation Act, or COBRA, allows employees, in most cases, to continue an employer's group plan at their own expense for up to 18 months. Often this is the best option if serious medical conditions make you ineligible for private health insurance, but it can be expensive. "COBRA was more than our mortgage," says Christina McMenemy of Columbus, Ohio, whose husband lost his state job in June 2008. "We're talking over $1,200 a month for a family of four, and we were like, 'Wow! That's just too much.'"

Unfortunately, the McMenemy family falls outside criteria for COBRA subsidies embedded in the American Recovery and Reinvestment Act of 2009, signed into law in mid-February. The act offers premium assistance of 65% toward COBRA insurance for up to nine months, not the full 18 months, under the following conditions:

The unemployed person has an individual income of less than $125,000 per year or a family income of less than $250,000.
The person must be laid off between Sept. 1, 2008, and Dec. 31, 2009.
The person was participating in group coverage at the time of layoff.
Another caveat is that the former employer must continue to exist, so if a company files for Chapter 7 bankruptcy, these subsidies would not apply.

However, says Sam Gibbs at eHealthInsurance.com, "If a person was laid off in September 2008 and did not choose COBRA within the required 62-day window, the new stimulus package allows them to become eligible for COBRA again, as long as the former employer continues to exist and offer group coverage."

For those currently employed but worried about needing COBRA, Gibbs recommends downgrading your insurance to a less expensive option during the annual open-enrollment period.

HIPAA. The Health Insurance Portability and Accountability Act, or HIPAA, offers some protection against insurance gaps. These "plans of last resort" guarantee coverage for those rejected on the private market. "As long as you have continuous coverage, you are always eligible for some type of program," says Gibbs. "As soon as you're left without coverage, then you are not eligible for a HIPAA plan."

For example, William Fogler of Atlanta made a COBRA payment mistake in November 2007 and lost his insurance before he could move to an individual plan. Because of this gap and a major pre-existing condition, Fogler is now uninsurable.

Individual or family plans. The same insurance providers who offer group plans also sell individual and family plans to those who qualify. Known as "major medical" plans, these insurance offerings use a catastrophic model, where you take responsibility via large annual deductibles (medical expenses paid out of pocket) in exchange for coverage beyond that. Common deductible options can be $1,000, $2,500, $5,000 or even $10,000 per year. Higher deductibles correlate with lower monthly premiums.

Gibbs uses a car insurance analogy to explain the difference. People expect car insurance to cover accidents and maybe a rental car, but they would never expect it to pay for regular maintenance such as wiper blades, oil changes, brakes and tires.

Inexpensive -- and Lousy -- Health Insurance


An estimated 49 million Americans don't have any health insurance. Frightening. But even more startling are the discoveries of a Consumer Reports investigation, which found that many people who've purchased their own insurance are not as protected as they think.

It's not until people get sick that they discover the problem. That's what happened to Gina Eaton. Her policy has such a high deductible that she says she opted not to get medical treatment after a miscarriage. "I just kind of went to bed for about three or four days and tried not to walk around or do anything. I just stood real still and hoped that it would heal itself."

Consumer Reports says that the policies are like Swiss cheese. And the way they're written, it's really hard to spot the gaps. Even the insurance expert Consumer Reports hired to help check out the policies had a hard time deciphering some of them.

Consumer Reports' Nancy Metcalf says that many big-name insurance companies are offering those so-called junk policies. They look like a good deal because the premiums are low—but they're low for a reason. They are so riddled with loopholes, limits, and exclusions that they will not come close to covering your expenses if you ever fall seriously ill.

Consumer Reports says here's how to avoid junk health-insurance policies:

--Never buy a policy labeled "limited benefit" or "not major medical insurance."

--Don't leave out a category of care because you say to yourself that you never use it. You might not use it now, but you could desperately need it in six months.

--Don't take a salesperson's word for anything. Always read the fine print, which will help you avoid low-cost coverage that comes with a high price tag.

Consumer Reports' complete article on Hazardous Health Plans.

วันพุธที่ 22 เมษายน พ.ศ. 2552

Healthcare on life support


As we go to sleep tonight there are at least 48 million Americans without healthcare. I have only one question to ask to the 250 million Americans who are fortunate enough to have healthcare. Is that okay with you? Our current healthcare system was basically set up under the Nixon administration with the promise of providing quality healthcare to all Americans. Yet how can it be that more that twenty five years after the Nixon administration opened the gates for HMO's to decide the level of medical care we should receive, that there are more Americans without healthcare than ever.

There is a simple answer to that question. Medical coverage is now a matter of dollar and cents. The medical insurance companies are in the business of making money. Their bottom line is that they only make money if they take in more than they pay out. That means that they would like your insurance premiums to be more than the medical care that you are provided with for that year. Judging by immense profits that the medical insurance companies have been amassing over the last two decades, they have been doing a very good job at making sure the ledger balances in their favor.

When the former Fed chairman, Alan Greenspan was in front of a Congressional committee trying to explain what went wrong with Wall St., he said "I thought they would do the right thing". What he meant was that he thought that the people whose only job was to make as much money as they possibly could, would also take it upon themselves to police their own greed. That was akin to letting wolves loose in a hen house and expecting them to make sure that they left enough chickens alive so that everyone would have omelets the next morning. The health of Americans is now a "for-profit" enterprise. The insurance companies "do the right thing" by making sure that their profits are as big as possible. After all, they have stock holders to answer to. The health and well being of their policy holders is not their primary concern. They have thousands of people hard at work right now, trying to find a way to deny needed medical procedures for their policy holders. The system is now set up so that less medical help you get, the more money they get.

The "for-profit" system is what those fortunate enough to have coverage have to endure. The almost 50 million without health insurance have a different set of problems. While having insurance is not a guarantee that you won't end up tens of thousands of dollars in debt because of uncovered "experimental" treatments, or denied claims, or non pre-approved emergencies, but at least you usually get treated at the hospital. Try to show up at a hospital without medical coverage and see how you get treated. Hospitals have been known to try and ship people to other hospitals for emergency care because they don't have medical coverage. They have been known to put sick people in cabs and drop them off in the middle of the city because they don't have medical coverage. There is no such thing as preventative medicine for those without health insurance. A simple infection can turn deadly without proper treatment, but under the current system, those without coverage are almost destined for the more serious situation.

At the end of the day, the question has to be, what kind of country do we want to be? Do we want to be a country where we let children and the elderly die because of the lack of affordable medical care? Do we want to be a country where possible life saving treatments are denied because they hurt the bottom line? Our healthcare system is broken. The insurance companies, along with the American Medical Association and the Pharmaceutical companies seem hell bent and milking every penny possible from the pockets of the American workers. The lobbyists for the "Triangle of Terror" (that's my trademark, by the way), spend tens of millions of dollars every year to make sure that our representatives in Washington keep the gravy train rolling. I have always believed that we as a people are better than our current healthcare system would reflect. We are generous when people are in need. We spring to the aid of neighbors during time of crisis. We help strangers half way around the world that we will never meet. I simply cannot believe that the majority of Americans are happy with a system that holds human life as cheaply as our healthcare system does.

Is Universal healthcare possible in America? The answer is obviously yes. The American people cannot be afraid to do what's right. The opponents of healthcare reform will say that the government will now be deciding whether you get to have surgery. They will say that you will have to wait much longer for life saving treatments such as transplants. They will say that we are not socialist and that providing healthcare to everyone is a socialist idea. They will try and convince the majority of Americans that they currently get treated like they wealthy do and that reform will lead to them being treated like the poor are. If Americans were to closely examine the current system they would realize that they are already being treated like the poor. Healthcare reform is absolutely necessary for us to move forward as a world leader in this new century. The health of our citizens should not be one of those things that gets worse as time goes on, but somehow it is. We rank behind every developed nation in western hemisphere in life expectancy. We rate no better than in the thirties in overall infant mortality rates. We can do better and we must do better. There is a better way, we just have to demand it.

Health Care Seen As The Top Priority By Many Americans


Washington (dbTechno) - It appears that many Americans feel that the top priority of our government should be health care reform.

As of right now, there are still over 40 million Americans who are living without health insurance, leaving many to wonder why health care reform took so long to get put under the spotlight.

There are clearly many issues in the United States, with unemployment, the housing market, stock market, etc.

The belief of many though is that by fixing health care in the U.S., it may actually trickle down to help those other areas.

This not only includes just providing health care to all of those uninsured, but also to make health care more affordable to normal Americans so it does not take such a big dent in their wallets.

In the year 2008, health care costs skyrocketed yet again, causing major issues for those trying to afford health insurance.

This puts a strain on individuals, as well as businesses who try and give health insurance programs to employees.

It is going to take time, but health care reform needs to get done, and started this year.

That appears to be the case according to President Barack Obama and others, now we are waiting to see it happen.

วันจันทร์ที่ 30 มีนาคม พ.ศ. 2552

Redundant expats search for a new safety net


By Peter Pallot
Last Updated: 4:45PM BST 29 Mar 2009

Analysis of inquiries to an insurer's internet site since December 2008 shows that more than half of those currently insured are looking for cheaper cover.

Medicare International said 56 per cent of inquiries from existing policyholders were comparing prices with their current provider. The insurer described the result "as a significant trend in the healthcare insurance market, as people 'shop around' for the best deals on the market".

The insurer also claims to have picked up a change in profile of policyholder. As international companies shed staff, these individuals lose corporate insurance cover but may still wish, or need, to work abroad. Consequently they are seeking to buy what their former employer provided but are being more cost conscious.

David Pryor, managing director at Medicare, said the credit crisis was prompting employers increasingly to turn to short-term hire. Many of those hired were self-employed.

He said: "Private healthcare customers are looking to find the most competitive rates on the market today."

Although taking steps to economise may seem logical, insurers can cite many occasions in which skimping on cover backfires. Surveys show that people tend to underestimate the cost of medical care. Market leader Bupa International has just warned that some medical rescues can cost £50,000 – and that is before subsequent treatment bills come in.

Another insurer points to the potential dangers of keeping cover in reduced form, for instance by cutting chronic disease cover.

Matt Gale, a regional sales consultant at Expacare, said: "Cutting this cover could cost clients and their families a huge amount of money and trauma, not only short term but over a long period, which could be especially bad given current uncertainties about employment."

Insurance adviser Stephen Walker said: "As often as not, expats don't have public medicine to fall back on, so it's even more important to keep medical insurance in place."

"Medical insurance provides the peace of mind of knowing that you are not dependent on state medicine to get the right treatment when you need it, but can arrange hospital appointments and treatment according to your home and workplace schedules," added Mr Walker, director of Brighton-based Medical Insurance Services.

วันเสาร์ที่ 21 กุมภาพันธ์ พ.ศ. 2552

Films offer alternative takes on childbirth



"Orgasmic Birth" will be screened Saturday, Feb. 28, at Camden Public Library and also in May at Belfast Free Library as part of series there.

At 2:30 p.m. Saturday, Feb. 28, Morningstar Midwifery/Maternal Wellness Center of Belfast and Camden Public Library will co-sponsor a screening of the 2008 documentary "Orgasmic Birth" in the library's Jean Picker Room, Atlantic Avenue.

The 87-minute film will be followed by a discussion with the community and local birthing professionals. The event is free and open to the public, and refreshments will be served.






Joyous, sensuous and revolutionary, "Orgasmic Birth" brings the ultimate challenge to our cultural myths by inviting viewers to see the emotional, spiritual and physical heights attainable through birth. The film features commentary by Christiane Northrup, M.D., and midwives Ina May Gaskin, Elizabeth Davis and other experts in the field; and stunning moments of women in the ecstatic release of childbirth.

Donna Broderick and Ellie Daniels are Certified Professional Midwives with Morningstar Midwifery and will be available, along with other local midwives, doulas and birth educators, to answer questions after the screenings.

"Americans are bombarded with images of birth as a scary, medicalized emergency. 'Orgasmic Birth' is one of a number of refreshing new films coming out that depict it as the safe, spiritual, joyful journey it can be when women get good support and care," said Broderick.

The community is invited to participate in the lively discussion to follow.

Three-part series at Belfast Free Library
Morningstar Midwifery/the Maternal Wellness Center also is sponsoring Other Images of Birth, a three-part spring film series, on the first Wednesday of every month, March through May. Screenings, along with community discussions, will be held from 6 to 8 p.m. Wednesdays March 4, April 1 and May 6 in the Abbott Room of Belfast Free Library, 106 High St. All events are free and open to the public, and refreshments will be served.

The first event in the series will be a local birth "Artivists" Night on March 4, with a film and poetry reading by two Belfast birth artists and activists followed by a moderated panel and community discussion.

The film shown will be "ROAR" (2009) by local filmmaker and homebirth mother Nicolle Littrell, who created the 13-minute work as a video meditation on the state of birth and a call for change. The female voice is at the center as interviews with Maine midwives and legislators are interwoven with stunning homebirth footage.

The film will be followed by a brief poetry reading of birth poems by Arielle Greenberg, a Chicago-based poet who is currently in Belfast, working on an oral history of the new back-to-the-land movement and a consumer’s guide to working with midwives. Greenberg is the author of two poetry collections and co-editor of two poetry anthologies. There will be plenty of time for discussion afterward.

The second event will be a screening of the 2008 feature-length documentary "Pregnant in America" on April 1. Shocked by the greed of U.S. hospitals, insurance companies and medical organizations, filmmaker Steve Buonagurio and his wife Mandy set out to have a natural home birth in a world where everything is anything but natural. The film is entertaining as it is educational and is high on emotional content.

The final event will be another showing of "Orgasmic Birth" on May 6.

The Maternal Wellness Center, located at 111 High St. in Belfast, was created last winter with the mission of creating a community-centered, accessible and secure center for multiple uses associated with pregnancy, birth, women’s wellness, parenting support and health and wellness for babies and children. For more information, call Arielle Bywater at 338-0708 between 1 and 4 p.m. Tuesdays and Thursdays.

วันเสาร์ที่ 14 กุมภาพันธ์ พ.ศ. 2552

Health Care Options for Recent Graduates


By Janet Aschkenasy
Herb Daroff recently received some very welcome news from his son, who graduated from college three years ago.

“Dad, I finally got health insurance!” he told his father, a certified financial planner at Baystate Financial Planning in Boston.

Daroff’s son has been working as a freelance film editor since he graduated from college in 2005. He had found securing health insurance elusive, to say the least.

That’s hardly surprising, since many employers, including those hiring workers full-time, have been increasingly cutting back on health insurance expenditures. Indeed, the median individual deductible for health insurance coverage required by small and medium sized employers (those with less than 500 employees) offering the most popular kind of health plan doubled last year, rising to $1,000 in 2008 from $500 in 2007, according to Mercer’s National Survey of Employer-Sponsored Health Plans.

Back in 2000, only about 50% of employers imposed a preferred provider organization (PPO) deductible, versus 80% today, says Mercer, and when they did the median was just $250.

Recent grads are especially feeling the pinch.

“More and more you’ll find kids who…need to get their health insurance on their own,” says Daroff. Employers are not paying anywhere near as much of the premium as they used to, and there are fewer perks like dental insurance, he says.

Regular Plans, Large Deductibles
One of the Mercer findings its consultants found startling was that the high deductibles were being imposed on traditional PPOs, the sort where you can visit any doctor or facility you wish so long as it is part of a preferred network of providers. PPOs are the most popular type of health plan, says Mercer.

Mercer also found an increase in the number of so-called consumer-directed health plans (CDHPs) being offered by employers. Often, an employer will couple a high-deductible plan with a tax-advantaged account from which the consumer can pay qualified medical expenses of the account holder and his or her spouse, or dependents. You put money into your own individual health savings account (HSA) tax free, and funds are not taxed when withdrawn for qualified medical expenses. In 2008, CDHP were offered by 20% of employers with 500 or more employees, up from 14% in 2007.

How Recent Grads Can Get Coverage
What’s encouraging about these trends is that freelancers and part-time workers without employer-sponsored health plans can use these strategies on their own to minimize costs and purchase at least a minimum level of health protection for a fraction of the cost of first-dollar insurance.

Most any bank can help you set up an HSA from which you can fund health expenditures tax free, often by using a debit card

วันเสาร์ที่ 24 มกราคม พ.ศ. 2552

Health Insurers and Laid –Off Workers Try to Find Solutions under New Health Regulations


Submitted by Jason Ramsey on Thu, 01/22/2009 - 08:54

With Obama taking oath as the President of America everyone is waiting with bated breath to see what changes he will make, particularly in the area of health reforms. While the people are hopeful for a reprieve the health insurers are wary.

The recession that’s taken a hold of the country has brought many laid off people face to face with health insurance and soaring costs. There only hope is that Obama will change policies and thereby make it easier for them to afford medical insurance. The health insurers on the other hand worry that Obama might shift the onus of health care costs from the people onto them.

Speaking on the subject were representatives of Florida’s biggest health insurers such as Blue Cross and Blue Shield of Florida, Humana and Aetna. “We think every American is entitled to have health insurance,” said Glenn Baker, vice president of sales and account management for UnitedHealthcare’s small-business sector in Orlando. But “to make any major changes is going to take real intestinal fortitude because there’s going to be winners and losers.”

The insurance companies biggest fear is that under the new ruling they will have to cover people with pre-existing illnesses which would essentially mean that they have a heavier financial burden to bear. They feel it would be offset if Obama were to make health insurance mandatory which he has been reluctant to do. Stephen Birtman, Humana’s Florida government relations director, said, “How we get there, I don’t know,” referring to the difficulty in enforcing such a mandate.

Peter Diniaco, vice president of sales and service for Aetna’s Jacksonville and Tampa offices said the Government could help by signing up people who qualify for government-subsidized programs like Medicaid and Medicare but who remain uninsured. For the remainder, “we as an industry can develop products to serve that population,” he said.

Under present regulations a worker who is laid off is entitled to extended health coverage from the former employer for a period of 18 months under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). In COBRA the individual pays the entire premium without the company’s help and these are often more than double of what a premium cost while employed.

Reid Rasmussen, an insurance carrier relations manager with Dallas-based BenefitMall, a resource for employee-benefits brokers said, "Health insurance policies are like different flavors. Maybe the biggest company doesn’t have the flavor for your situation."

Also a member of the Dallas Association of Health Underwriters, Rasmussen recommends getting an insurance broker to help navigate through different options after a layoff. "That’s what they’re there for," Rasmussen said. "Without them, you might end up paying too much or buying more insurance policy than what you need."

Ann Rote, Aetna Inc.’s Southwest region general manager of consumer business said, "Make sure your benefits don’t lapse. Somehow, get coverage. A lot of people make the mistake of running naked for a few months."

Adding a word from an insurer’s point of view Bill Newton, executive director of the Florida Consumer Action Network said, “The principles we see is that it covers everybody. And it’s affordable,” he said of the Obama plan. Insurers, he added, “need to stop grousing and try to help create a pragmatic solution to the problem.” (Additional reporting by Harkiran)

วันจันทร์ที่ 19 มกราคม พ.ศ. 2552

Health facilities in Houston step up routine testing for HIV


By CINDY GEORGE HOUSTON CHRONICLE
Jan. 17, 2009, 8:56PM

In most health care settings, the married mother of three who arrived in the emergency room with severe back and abdominal pain would not have been considered for an HIV test.

The 39-year-old office assistant said she’s been in a committed marriage for 15 years and was screened for the virus that causes AIDS while pregnant with her youngest, now 4.

But when Maria Zaldivar’s blood was drawn at the Memorial Hermann-The Texas Medical Center’s emergency room one recent night, she was offered HIV screening among other tests.

“They asked if they could do that blood work, and I said it was fine,” said Zaldivar, who suffered from gallstones and tested negative for HIV. “It’s not something you think about getting done.”

Houston is one of 25 areas with high HIV infection rates that is involved in a national initiative from the Centers for Disease Control and Prevention to make testing for the virus a regular part of medical care — just like screenings for high blood pressure, diabetes and cholesterol.

Two years ago, the CDC suggested routine HIV testing in all health care settings in the United States, but few hospitals, clinics and doctor offices began screening everyone because of the cost.

Still, experts say, testing is critical, because one of the best ways to prevent new HIV cases is for people with the virus to know they are infected.

Now, the CDC is spending more than $35 million nationwide on a testing program that provides grants to selected health departments, hospitals and clinics. The goal is to test 1.5 million people this year and identify 20,000 HIV-positive people who currently don’t know they have the virus.

Money started flowing to Houston in 2007 to help pay for the tests as well as counselors who assist patients dealing with news that they have a chronic, but treatable, condition. Since then, the Houston health department and participating health care providers have received more than $1 million.

Last year, emergency centers at Memorial Hermann-Texas Medical Center and Ben Taub General Hospital along with two clinics run by Legacy Community Health Services started routinely testing adults for HIV under the program. The project is to expand to LBJ General Hospital’s emergency center this spring.

In the six months since the Houston program started, more than 100 people have learned that they are HIV positive.

“It is a prevention strategy to identify the people who have the virus and don’t know it,” said Marlene McNeese-Ward, who heads the Houston health department’s HIV prevention efforts.

The Houston area’s HIV infection rate is nearly twice the national average. About 1,700 Harris County residents became HIV-positive in 2006, according to the latest health department figures available. An estimated one-fourth of the people living with HIV in Houston — as many as 6,000 — do not know they have the virus, experts say.

Institutions in other cities with high infection rates, including New York, Chicago, Philadelphia, Los Angeles and Washington, have received grants to participate in the project.

In Texas, HIV testing is routine for pregnant women to protect babies from infection, for inmates entering state prisons and for those donating blood. In most other instances, an HIV test is done upon request.

McNeese-Ward said the routine testing program catches the virus in a wide range of people, allowing those found to be HIV-positive to get into treatment sooner, live longer and reduce the chance they will transmit the virus to others. Emergency rooms, which treat large numbers of the uninsured, are especially vital for finding new HIV cases, because an estimated half of the people in the U.S. with the virus have no health insurance.

The project’s greatest promise, McNeese-Ward said, is that the hundreds, maybe thousands, who are diagnosed with HIV under the program will nudge policy-makers across the country to mandate HIV tests as a part of routine medical care.

1 percent positive
In the last half of 2008, Houston program sites screened more than 11,000 people. The 103 who discovered they had the virus accounted for about 1 percent of those tested. This year, Houston officials expect to check 70,000 people under the program and identify at least 600 who are HIV-positive.

An HIV test is offered to all adults who have blood drawn at Ben Taub’s emergency room, about 40 percent of patients. Only a few people have declined the test, hospital officials said.

Half of the new cases detected through the program have been found at the public hospital, which serves as a safety net for the uninsured. About 2.3 percent of the nearly 6,000 adults tested at Ben Taub have been positive, including 50 who were newly diagnosed and 81 who already knew they had the virus.

Dr. Shkelzen Hoxhaj said he might have sent a recent patient with pneumonia home until he learned the person had HIV.

“That meant we had to keep them in the hospital for more intensive treatment,” said Hoxhaj, who directs Ben Taub’s emergency center. “The fact that we’re (testing) more routinely has really helped improve the care of patients.”

Dr. James McCarthy, emergency director at Memorial Hermann in the Medical Center, said screening everyone’s blood reduces the fear and shame associated with HIV.

“Most of the recommendations from the CDC are picked up and followed, but there was a great silence about this one,” he said.

“There’s still a lot of stigma about HIV testing and the disease itself.”

Memorial Hermann, which launched the project last June as Houston’s first program site, offers HIV tests to patients ages 18 to 64, whether they are having blood drawn or not.

About one in five decline the test, McCarthy said.

Historically, those seeking HIV tests went to the Montrose Clinic in the heart of the city’s gay community, which was Houston’s first site to offer anonymous testing. Now called Legacy Community Health Services, the clinic and its sister location in the Fifth Ward offer treatment from pediatric care to family planning. Both sites are involved in the routine testing project.

Former truck driver Tony Walker, sidelined from work by high blood pressure, turned to Legacy after losing his health insurance. He was diagnosed with congestive heart failure and, for the first time, was offered an HIV test.

“I have no problem being tested,” said Walker, 51, of Houston, “because if there’s something there, I’d like to know.”

Early detection
Memorial Hermann’s McCarthy said the value of the program bears out in data showing that those who discover they have HIV shortly after infection can stay healthier, keep themselves out of the hospital and defer health care costs for years.

“The one thing that the community needs to know is that the prevalence of this disease is far greater than most of them think,” he said.

“There are a whole lot of people walking around with HIV. And if more of them know it, the better off everyone’s health here is going to be.”

Dr. Joseph Gathe, a Houston HIV specialist in private practice who treats 3,500 patients with the virus, applauds the strategy but said the project might have missed some people he recently diagnosed — a married couple in their 70s and a 15-year-old girl who reported having 16 partners. All three fall outside target age groups.

“The average physician doesn’t really offer HIV testing routinely to people unless they think they need it,” said Gathe, who has advocated HIV screening as a national standard of health care.

“It’s a disease of behavior, and nobody knows what your behavior is,” he said. “This project takes all of that out of the equation and just does the test.”