Health Insurance

RECENT NEWS
Wall Street Journal  2 hrs ago  Comment 
Columnist Jo Craven McGinty explores a methodological overhaul that has improved data on the number of Americans without health insurance, at a cost.
Wall Street Journal  May 21  Comment 
Major health insurers in some states propose substantial rate increases for plans sold under the federal health law, setting the stage for an intense debate over the law’s impact.
Insurance Journal  May 21  Comment 
CareFirst BlueCross BlueShield, which sells health insurance in Maryland, Virginia and the District of Columbia, said on Wednesday that a cyberattack compromised the data of 1.1 million current and former members. CareFirst, which has a total of...
New York Times  May 20  Comment 
The Obama administration gave people facing a tax penalty a second chance to sign up for health insurance. Few took it.
TechCrunch  May 20  Comment 
 Looking to provide health insurance to the 53 million Americans who don’t get benefits from their employers, Stride Health has raised $13 million in new funding. Venrock led the Series A round, with participation from Fidelity Biosciences and...
Forbes  May 19  Comment 
The cost of medical care is nearly $25,000 annually for the typical American family with health insurance coverage through their employer, according to a new study.
Benzinga  May 14  Comment 
Health Insurance Innovations Inc (NASDAQ: HIIQ) shares slipped 23.87 percent to $5.90. Health Insurance Innovations reported Q1 earnings of $0.01 per share. Analysts at Bank of America downgraded Health Insurance Innovations from Buy to...
Benzinga  May 14  Comment 
Analysts at Bank of America downgraded Health Insurance Innovations Inc (NASDAQ: HIIQ) from Buy to Neutral. Health Insurance shares have dropped 25.98 percent over the past 52 weeks, while the S&P 500 index has surged 11.12 percent in the same...




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Types of Coverage

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Private Coverage

Job-Based Coverage

Individual Policies

Association Health Plans

Consumer Driven Health Plans

Government-Funded Coverage

Medicare

Medicare is a federal health insurance program for: a) individuals aged 65 years and above; b) individuals under the age of 65 with certain disabilities; or c) or individuals with end-stage renal disease. There are three types of Medicare plans:

  • Original Medicare Plan, which consists of two parts:
    • Hospital Insurance (Part A): This part pays for inpatient care at public hospitals, critical access hospitals (small facilities that give limited inpatient and outpatient services to people in rural areas), skilled nursing facilities (not custodial or long-term care) as well as hospice care and some home health care. All individuals eligible for Medicare are enrolled automatically and free of charge in Part A.
    • Medical Insurance (Part B): This part pays for doctor visits, outpatient hospital care and other necessary medical services not covered by Part A, such as physical and occupational therapy, and some home health care. Part B is optional and, in 2008, most beneficiaries paid monthly insurance premiums of $96.40. Beneficiaries must also pay an annual deductible before Part B coverage kicks in.
2008 Part B Monthly Insurance Premiums Yearly Income (Single Individual) Yearly Income (Married Couple) Yearly Income (Married Individual)
$96.40$82,000 or less$164,000 or less$82,000 or less
$122.20$82,001 - $102,000$164,001 - $204,000NA
$160.90 $102,001 - $153,000$204,001 - $306,000NA
$199.70$153,001 - $205,000$306,001 - $410,000$82,001 - $123,000
$238.40above $205,000above $410,000above $123,000
  • Medicare Advantage Plans (Part C), formerly known as Medicare+Choice, are private health insurance plans under the Medicare program. These plans pay for more medical services than the Original Medicare Plan by packaging Part A, Part B and additional coverage into one convenient bundle. Part C is optional and beneficiaries often pay higher monthly insurances premiums, but lower deductibles, than those required for Part B. Medicare Advantage is only offered in certain parts of the country and includes HMO Plans, PPO Plans, Medicare Private FFS Plans, Medicare MSA Plans or Medicare Special Needs Plans.
  • Medicare Prescription Drug Plans (Part D) add prescription drug coverage to the Original Medicare Plan, Medicare MSA Plans, some Medicare Cost Plans and some Medicare Private FFS Plans. Each plan is run by a private company and, hence, varies slightly from other plans that fall under Part D. However, all such plans conform to standards set by the federal goverment. Part D is optional and beneficiaries pay monthly insurance premiums and an annual deductible in exchange for a large degree of flexibility in choosing what drugs need to be covered by these plans.

Medicaid

State High Risk Pools

Trends

Number Uninsured and Uninsured Rate (1987-2007)

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Difference in 2-Year-Average Uninsured Rates by State (2006-2007)

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