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Oregon May Have the Answer for Child Only Health Policies

March 3, 2011 in Affordable Health Insurance, Child(ren) Only Health Plans, Dependants, Employer Sponsored Plans, Grandfathered Health Plans, Group Health Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Agent, Health Insurance Reform, Individual Health Insurance

Oregon May Have the Answer for Child Only Health Policies

By John Rueschenberg & Ashley Ahle of Coverage Point Insurance in Happy Valley, OR

The state of Oregon, a few months ago, restructured child only individual enrollments by switching to open enrollment periods, similar to that of a group open enrollment period. Child only applications are only accepted during the months of February and August of every year with effective dates of either March 1st or September 1st.

Congress Passed a law earlier this week allowing states to create similar laws that will close the loopholes in child only policies applications, which prevent insurance abuse of benefits. In order to keep insurance companies on board, regulation is needed to keep premiums from skyrocketing due people only obtaining coverage after they become sick and with no no consequences.

To simplify the process and reduce risk, annual enrollment periods across the industry, including enrollment for Medicare Advantage plans, should be changed to the month the eldest applicant was born. If this were to happen consumers, insurance companies, agents and the Federal Government would experience more ease when dealing with coverage.

Remembering the month you were born is far easier than researching the dates for the next enrollment period. Making this change would eliminate confusion that comes with purchasing an insurance policy. Enrollment periods that are lumped into a small time frame, like what currently happens for Medicare, group coverage and now child only policies in Oregon, increases the chances for error and reduces the quality of service, by creating an increased workload for the government, insurance companies and agents involved with enrollment.

Not only would changing the open enrollment period to the month of birth lessen the workload, it would also reduce the amount of SPAM email consumers receive year round. Instead of soliciting year round, agents and companies would only focus on the weeks leading up to the insureds birthday, making it easier for all parties involved.

Under health care reform, insurance companies are prohibited from denying any child with pre-existing conditions. Due to this change, many companies have either adopted the open enrollment periods or have stopped offering child only policies all together. Although companies are allowed to offer them outside enrollment periods, they are still prohibited from denying any child thus allowing people the opportunity to only gain coverage when an illness occurs, therefore driving up costs for everyone.

Not only would the birth month enrollment periods ease workloads across the industry, many more consumers would find it easier to obtain coverage and in turn, more people would be covered. Which is the goal of health care overhaul all together.

Why Health Reform Won’t be Repealed

January 20, 2011 in Affordable Health Insurance, Child(ren) Only Health Plans, College Students, Dependants, Doctors, Employer Sponsored Plans, Grandfathered Health Plans, Group Health Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Exchange, Health Insurance Quotes, Health Insurance Reform, Individual Health Insurance, Primary Care Physician, Specialists

Why Health Reform Won’t be Repealed

By Aaron Carroll, Special to CNN
January 19, 2011 1:05 p.m. EST

Editor’s note: Dr. Aaron E. Carroll is an associate professor of pediatrics at the Indiana University School of Medicine and director of the university’s Center for Health Policy and Professionalism Research. He blogs about health policy at The Incidental Economist.

(CNN) — This week, the House of Representatives plans to vote to repeal the Patient Protection and Affordable Care Act. It will succeed….”

Another Lawsuit Against ObamaCare Survives a Preliminary Challenge

January 20, 2011 in Affordable Health Insurance, Child(ren) Only Health Plans, Doctors, eHealthInsurance.com, Group Health Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Agent, Health Insurance Exchange, Health Insurance Quotes, Health Insurance Reform, Individual Health Insurance, Life Insurance, Permanent Life Insurance, Primary Care Physician, Specialists, Term Life Insurance, Uncategorized, Whole Life Insurance

Another Lawsuit Against ObamaCare Survives a Preliminary Challenge
October 14, 2010 6:32 pm

The rulings keep rolling in on the constitutionality of the federal reform law. On Thursday, a federal judge in Florida refused to dismiss the lawsuit brought by a group of state attorneys general( led by Florida’s Bill McCollum), although he threw out several of the suit’s lesser claims. (Here’s the ruling, courtesy of the Wall Street Journal.) That’s the second such decision; a federal judge in Virginia held in August that the Commonwealth’s attorney general could proceed with a similar lawsuit. On the flip side, a federal judge in Michigan ruled earlier this month against a lawsuit that had been brought by the Thomas More Law Center, declaring that the law’s requirement to buy was constitutional….

— Jon Healey

Administration: Health Repeal Could Cost Millions Coverage

January 18, 2011 in Affordable Health Insurance, Child(ren) Only Health Plans, Dependants, Employer Sponsored Plans, Grandfathered Health Plans, Group Health Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Agent, Health Insurance Exchange, Health Insurance Quotes, Health Insurance Reform, Individual Health Insurance, Specialists

Administration: Health Repeal Could Cost Millions Coverage

By the CNN Wire Staff
January 18, 2011 1:19 p.m. EST

Washington (CNN) — Nearly half of all Americans under the age of 65 have health conditions that could prevent them from getting insurance if the Republican effort to repeal health care reform is successful, U.S. Health and Human Services Secretary Kathleen Sebelius said Tuesday.

Sebelius said 129 million people — nearly half of all Americans under the age of 65 — have some form of pre-existing condition that could make them ineligible for coverage should they lose or change jobs, get divorced or face other changes that force them to seek new insurance….

Health Care Reform Extension of non-taxable health care coverage for children up to 26

June 11, 2010 in Child(ren) Only Health Plans, College Students, Dependants, Group Health Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Reform, Individual Health Insurance

Health Care Reform Extension of non-taxable health care coverage for children up to age 26http://ow.ly/17HyhX

Health Reform News & Updates – Health Insurance Quotes & Affordable Health Insurance Plans – Compare Health Insurance Rates

June 9, 2010 in Affordable Health Insurance, Child(ren) Only Health Plans, Doctors, eHealthInsurance.com, Group Health Plans, Health Care, Health Care Costs, Health Insurance Agent, Health Insurance Exchange, Health Insurance Quotes, Individual Health Insurance, Life Insurance, Permanent Life Insurance, Primary Care Physician, Specialists, Term Life Insurance, Whole Life Insurance

Health Reform News & Updates – Health Insurance Quotes & Affordable Health Insurance Plans – Compare Health Insurance Rates.

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