Parasol Leads is the leading supplier of high quality, organic leads produced in real time and sent directly to you as an exclusive lead. We do not share leads!
Our insurance lead types include: Life, Health, Group Health, Medicare Supplement, Auto and Home. Agents across the country are discovering what it finally means to work with a lead company that produces high quality leads, an increased return on investment and an honest approach to business. Let's Talk Turkey!
To introduce you to our highly productive exclusive insurance leads, we would like to offer you a "Thanksgiving Special Offer" on our exclusive leads plus FREE lead credits! Just open your account with a qualifying deposit and you'll enjoy 100% exclusive insurance leads at a special discounted price, a high rate of return (some of our clients are achieving conversion rates as high as 40%**) and free leads!
To learn more about this special offer, please call (888) 778-0410 Ext. 105
or complete the form below here: http://www.parasolleads.com/insurance-leads-special-offers
Due to the global economic recession, Americans have cut back their usage of routine healthcare much more than people living in nations with a universal medical care system.
The National Bureau of Economic Research, who conducted the study, says that people living in the U.S. have cut back on their healthcare much more than residents of Canada, Britain, Germany and France because of the higher out of pocket costs Americans face.
In each of the five countries, residents had unemployment and lost wealth and income due to declining stock prices. This caused residents in each country to have less routine care. However, Americans used far less routine care compared to other nations because approximately 15% of Americans do not have medical insurance, and the other countries have near universal medical coverage.
According to the report, 26.5% of Americans that responded to the survey said that they reduced their usage of routine healthcare since the global economic crisis began in 2007. However, for other nations the percentage was much lower. In Canada it was 5.3%, in France it was 12%, in Germany it was 10.3% and in Britain it was 7.6%.
People who live in nations with universal coverage have to pay some health care costs out of their own pockets. The percentage of people that reported reducing routine healthcare was lower in Canada and Britain, where the copays are lower, compared to Germany and France, where they have larger copays.
Generally speaking, the report indicated that the people that were most likely to reduce their usage of routine care were those who lost a big proportion of their wealth during the economic crisis, those with low income, and the young.
The new health care reform law forbids insurers from charging any copays or deductibles for preventative services that are recommended, such as immunizations, colonoscopies and mammograms.
This report has been consistent with the American Hospital Association's findings, which states that 70% of their hospitals reported fewer patient visits and procedures classified as "elective", as patients are forgoing and delaying care because of the recession.
According to the Census Bureau, 2009 saw the largest number of Americans without insurance...over 50 million. That translates to 1 in 6 Americans that do not have medical insurance.
Private medical insurance companies lost about 6.5 million of their customers, and government funded medical insurance plans rose to 6.6 million, with Medicaid alone leaping to 5.2 million people. This is the highest amount of people ever recorded by the Census Bureau that are covered by a public plan. In fact, 30.6% of Americans are covered by public plans, which is a record high, while 63.9% are covered by a private insurer, which is a record low.
The real decrease was among employer sponsored medical plans, and the major increase was among those covered by Medicaid.
Under the Affordable Care Act, all U.S. citizens will have to carry medical insurance in 2014 or they will be fined. Individual state health plan exchanges will be set up to aid consumers in purchasing individual coverage, in the hopes that it will make the process easier for Americans.
America's Health Insurance Plans has stated that medical costs are hurting the economy and not making it any easier for families and small companies to keep their medical insurance. That has been accentuated by a suffering economy, and as Americans have trouble managing their finances, young and healthy people tend to drop their medical insurance, making the remaining group, or risk pool, unhealthy and older.
Statistics have shown that the amount of children without insurance has stayed about the same...which is about 1 in 10 children, but that number is skewed for poverty stricken children. It was also shown that Americans with higher household incomes are more likely to have medical insurance coverage. However, households that earned at least $75,000 per year also didn't have medical insurance about 9.1% of the time. This statistic has made medical insurance companies fearful that some healthy people may decide to avoid purchasing medical insurance under the new healthcare reform laws, which would leave people that are healthy out of the pool. Right now, America's Health Insurance Plans feels that the penalties that people will face who don't purchase medical insurance in 2014 simply won't be enough of an incentive for them to buy medical insurance.
Anthem Blue Cross Guidelines for Children under 19
Eligible dependents under age 19 that apply to an existing medical insurance policy that was issued after March 23, 2010 (Non-Grandfathered plan), with a primary subscriber over the age of 19, will be medically underwritten for purposes of assigning an appropriate rating tier only. No pre-existing condition exclusions will apply. When applying for a new policy, if every parent/guardian/primary subscriber over the age of 19 is declined coverage, then the dependent under age 19 will also be ineligible for coverage.
Dependents under the age of 19 that are being added to an existing policy that was in effect March 23, 2010 (Grandfathered plan), will be subject to medical underwriting and either assigned an appropriate rating tier or determined not eligible for coverage.
Health Net Guidelines For Children Under 19
Health Net has just announced that they are establishing an Open Enrollment period for children under 19.
However, because state and federal regulations and procedures aren't clarified, they will not be accepting applications for children under the age of 19 until their Open Enrollment period begins. When Open Enrollment begins, they will begin accepting applications for children under family plans. Applications for children's coverage that have already been submitted, and which have not been approved by September 22, 2010, will no longer be considered.
This change will not affect children that are currently enrolled in child-only plans, in employer sponsored plans, or in a family plan with their parents. In addition, children who meet the requirements for guaranteed issue coverage who are "federally eligible" won't be affected. Also, the addition of newborns and/or adopted children to existing family plans that include child dependent coverage won't be affected.
Health Net is continuing to receive applications for family medical insurance plan coverage for dependents aged 19-26.
Since 1945, the medical insurance industry has been exempt from the anti-trust laws that were passed. Anti-trust laws are applicable to almost every single industry. On February 24, 2010, the Health Insurance Industry Fair Competition Act was voted on, and the results were 406-19, which made the act pass that will expose medical insurers to the anti-trust laws.
Medical insurance companies say that the law is not needed for their industry. But an incident that happened in New York shows that it is absolutely needed. The incident involved the terminology found in many medical insurance plans: "usual and customary". Basically, this means that the insurer will pay a fee that is typically charged by a particular physician for a particular procedure, OR the fee that is usual for a particular procedure which is charged by the majority of doctors with similar training and experience within the same geographic area, whichever is LESS.
The Attorney General in New York looked into who was behind the figures that made up "usual and customary". It turns out that the figures came from a database called Ingenix, which is one of UnitedHealth UNH's subsidiaries. This database purposely skewed the rates down via data collection that was faulty, bad pooling processes, and with the absence of audits. Medical insurers would then use this faulty low rates for their reimbursements.
As expected, medical costs are expected to go up by 9% in 2011. According to PricewaterhouseCoopers LLP, this percentage is .5% less than the 2010 rate of growth.
The report by PricewaterhouseCoopers LLP also stated that 41% of businesses intend to raise cost sharing, which may mean increases in employee's co pays or deductibles. This would make most of the employees in America have a medical insurance deductible higher than $400. Employers are hoping that if their employees have to spend more out of their own pockets, then this will diminish the over usage of services and prescription medications.
About 700 companies from 30 different industries were surveyed for this report, as well as medical plan actuaries and other owners or executives whose companies offer medical insurance for 47 million American employees and their dependents.
According to the report, just 26% of businesses intend to raise prescription cost-sharing in 2011. Medical insurers are reaping the benefits from more people that are using generic prescriptions. In 2011, brand name prescriptions are going to go off patent, which represents about $26 billion in sales annually. In addition, 1/3 of companies with 5,000 employees or more contribute towards their before 65 retiree medical coverage. This is less than in 2009, where you had 47% contribute towards before 65 retiree medical coverage. Just 22% of companies that have more than 5,000 workers contribute towards after 65 retiree medical coverage, which is less than in 2009 when it was 37% of companies that contributed to after 65 retiree medical coverage.
Case studies have revealed that children with autism receiving therapy at the onset of symptoms can experience higher IQ levels as well as better behavior and language skills. Although these therapies have shown to improve the quality of life of children with autism and their families, certain Missouri and Kansas insurance companies are not currently providing coverage for such treatment. Because the therapies can cost families up to $70,000 each year, most are unable to afford the treatments available to their children without assistance.
However, a closer look at the cost of treating children with autism shows that by providing coverage for these highly successful therapies, the states may save significant money in the long run. For example, a person with a severe case of autism who requires state assistance for education and adult specialized care can cost governmental programs three to four million dollars over the course of their lifetime if parents are unable to pay.
Studies show that treating children with autism as early as possible can cut costs for care and education by half and helps to provide for a brighter and more productive future for the children. Activists are calling out the states of Missouri and Kansas, asking them to join the list of states that are already mandating medical insurance providers to cover the costs for behavioral therapy for autism.
Politicians are beginning to respond to the call. Governor of Missouri Jay Nixon lists insurance mandates for autism treatment coverage as a high priority on the list of topics for the 2010 legislative session.
Republicans and Democrats alike are supporting the idea. In fact, Republican Representative Jeff Grisamore is a co-sponsor of a related bill in the House of Representatives. He believes putting an insurance mandate in place is not only in the best interest of families facing autism but also a good financial decision for the state of Missouri.
As legislation moves forward, advocates for families are striving to ensure the mandates will not be restrained by insurance company caps or exemptions. Although Missouri seems to be well on its way to seeing positive change regarding coverage for autism therapies, in Kansas the legislation experienced a stall in 2009.
Kansas families and advocates have worked for two years to see necessary mandates go through legislation. However, some lawmakers are concerned that these mandates would lead to increased medical insurance premiums across the board in Kansas, although this problem has not happened in other states that have passed the insurance mandates.
The first states to begin passing mandates for coverage for autism therapies saw premiums increase around $1 each month. Considering more than 4,000 families are currently on the Kansas waiting list for services, the need requires change in medical insurance plans in order to better serve those families.
A reported 15% of people receiving services in Kansas have autism-related issues. If Kansas insurers pay for treatments, it would relieve the state to be able to provide more help for people with other disabilities.
Current statistics show that one out of 110 children is affected by autism-which is identified as a disorder affecting language, relationship skills and concentration. Severe autism leaves individuals struggling to function as independent adults without proper treatment. Scientists have not yet identified a specific cause for autism and why it is continuing to increase.
A specialist with Children's Mercy Hospital in Kansas City explains that early intervention is the key for a positive outcome for children with autism. If Kansas and Missouri join the states that are currently giving necessary attention to the autism crisis, many families will benefit and the state will save money in the long run.
For more information about Autism and how you can help please visit, the National Autism Association
In a recent report from the Commonwealth Fund, which is a private organization
with a focus on healthcare
, it was found that women are more apt to forgo medical visits and struggle with health care
as opposed to men. The information was ascertained from data that the Commonwealth Fund gathered in 2007 and showed some staggering statistics.
According to the report, 70 percent of women younger than age 65 reported one or more of the following problems:
- Medical bills and or medical debt issues.
- Trouble accessing necessary health care due to cost.
- Poor medical insurance or none at all.
While the numbers were still high for the men they did come in a full 10 percent lower than the women in relation to the problems listed and saw 60 percent display one or more of the problems. Additionally, the report showed that women were more likely than men to skip preventative procedures such as annual cancer screenings because of the extreme cost.
The results were troubling to many experts as they showed that the problems with women and men not having adequate medical insurance coverage or struggling to pay for medical procedures and tests started well before the recession in which the US now finds itself in. This is a double whammy for women as they typically earn less income than men but need more health care.
The Commonwealth Fund drew its data from 2,616 adults surveyed in 2007 all over the age of 19. While the survey has a margin of error of two percentage points, the numbers simply don't lie. America it seems, is having a problem with getting adequate health care and being able to afford necessary treatments; especially America's women.