Health Insurance

RECENT NEWS
Insurance Journal  46 min ago  Comment 
Rules on what benefits health insurance plans must cover have become a major negotiating point as Republicans wrangle votes to repeal Obamacare, even though removing the regulations is likely to upset U.S. insurance markets. The requirements,...
NPR  4 hrs ago  Comment 
House Speaker Paul Ryan supports a bill that would allow "association health plans" to be sold nationally to small businesses. But critics say such plans tend to be skimpy and not well-regulated.
Insurance Journal  12 hrs ago  Comment 
The Texas Senate on March 22 preliminarily approved a bill prohibiting coverage of abortion by some health insurance plans in Texas — despite similar efforts stalling previously. The 19-10 vote leaves Sen. Larry Taylor’s bill a final, largely...
The Economic Times  Mar 23  Comment 
The new development has been that our health insurance delivery was mostly offshore in India and Philippines to that we have been able to add near shore.
New York Times  Mar 23  Comment 
President Trump told his party to fall in line behind a health insurance overhaul, and demanded a Friday vote on a bill that appeared to lack a majority to pass.
The Hindu Business Line  Mar 23  Comment 
The dollar held under $1.08 per euro for a second day on Thursday as investors awaited a vote on Republican healthcare plans seen as a litmus test of President Donald Trump's ability to legislate in ...
New York Times  Mar 23  Comment 
A problem with stripping away minimum benefit rules is that the whole idea of “health insurance” starts to become murky.
Motley Fool  Mar 21  Comment 
Changes to subsidies caused by passage of the American Health Care Act could cause Americans' healthcare insurance costs to increase most in these cities.
Forbes  Mar 21  Comment 
America's Health Insurance Plans gave support to Trumpcare's reforms to the individual insurance market where millions of uninsured buy subsidized policies on public exchanges.
NPR  Mar 21  Comment 
Most of the people on Medicaid are elderly, disabled or children, so a GOP proposal to require able-bodied recipients to work probably won't add up to big cost savings, analysts say.




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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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