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Archive for September, 2010

5 Pregnancy Taboos Explained (or Debunked)

Thursday, September 30th, 2010
Texas Health Insurance – Pregnant? Probably everyone has an opinion about what you should and should not be doing. So it might be hard to ditch that extra cup of coffee after lunch or give up the European vacation you were so looking forward to, but studies suggest caution is in order (especially considering that the first nine months of a person’s life can shape the rest of it).

How much alcohol is safe to drink during pregnancy? The global consensus is none. The World Health Organization (WHO) and the Centers for Disease Control and Prevention (CDC) urge women who are pregnant not to drink a single drop.

Since we don’t need alcohol to live, why court disaster? Drinking alcohol during pregnancy increases the risk for miscarriage and premature birth, and some studies have suggested that binge drinking may be associated with an increased risk of stillbirth. Heavy drinking has also been associated with fetal alcohol syndrome, whose symptoms can include malformed facial features, low IQ, mental retardation, poor coordination, aggressive behavior and other problems.Texas Health Insurance

Observational studies have also linked drinking during pregnancy to a small uptick in a rare childhood leukemia, lowered sperm counts in baby boys and certain epigenetic changes in mice.

And yet many women continue to drink. A recent government survey found that 1 out of 12 American women drink while pregnant, and numbers elsewhere are even more surprising: the Swedish National Institute of Public Health reports that 30% of Swedish women drink throughout pregnancy, while 60% of Russian women report drinking at least once after finding out they are pregnant. The health agencies of many European countries discourage any drinking during pregnancy, but some government health statements like those of Switzerland and the U.K. include a caveat such as “but if you are going to drink, you should limit yourself to one drink per day and not every day.”Texas Health Insurance

While the dangers of heavy drinking and binge drinking are well-established, what about the occasional, not-every-day drink? The truth is that the bulk of the research doesn’t really deal with occasional drinking — it looks mostly at heavy drinking or no alcohol at all. But, again, the World Health Organization says no to booze. It contends that even low dose alcohol exposure (1 to 4 glasses of wine per week) can lead to developmental delays in the fetus, which result in cognitive and socio-emotional deficits that become most pronounced between the ages of 3 and 5.

This data is discouraging to many pregnant women, who feel that it is already difficult enough to live with all the restrictions put on them by modern medicine. In a New York Times article on the subject, Dr. Ernest L. Abel, an obstetrician-gynecologist and professor at Wayne State University Medical School in Detroit, said:

“Blood alcohol level is the key,” said Dr. Abel, whose view, after 30 years of research, is that brain damage and other alcohol-related problems most likely result from the spikes in blood alcohol concentration that come from binge drinking — another difficult definition, since according to Dr. Abel a binge can be as few as two drinks, drunk in rapid succession, or as many as 14, depending on a woman’s physiology.

Because of ethical considerations, virtually no clinical trials can be performed on pregnant women.

“Part of the research problem is that we have mostly animal studies to work with,” Dr. Abel said. “And who knows what is two drinks, for a mouse?” Texas Health Insurance

Caffeine and its most popular delivery system, coffee, have been a source of controversy within the obstetrics community for ages. We know that caffeine crosses the placenta and can increase the heart and breathing rate of the fetus. But we don’t know whether that is ultimately harmful to the child’s health. Similar to studies of alcohol, most research on coffee consumption in pregnancy has focused on extremes — eight cups a day or nothing.

But there is one cause for concern: caffeine can reduce iron absorption in the mother, which could theoretically lead to anemia. Since pregnant women are prone to anemia to begin with, this could lead to ill effects, such as dizziness, fatigue or even irregular heart beat. Texas Health Insurance

One important 2008 study in American Journal of Obstetrics and Gynecology found that consuming more than 200 mg of caffeine (about 10 ounces of coffee) per day doubled the risk of miscarriage in women with an average of 71 days of gestation compared with those who abstained from caffeine.

Another retrospective study involving women who were pregnant during the 1960s found that increased caffeine consumption was related to cryptorchidism (undescended testes) in baby boys, even when other factors like drinking, smoking and chemical exposure were accounted for. Texas Health Insurance

Given the lack of replicated studies, however, most experts and the March of Dimes recommend moderation rather than abstinence.

Aversion to hot baths traces back to data from the American College of Obstetricians and Gynecologists (ACOG) on the effects of raised body temperature on the development of a fetus, especially during the first trimester.

When a mother has a fever higher than 102.2 degrees F, it can cause a drop in heart rate, which decreases oxygen to the fetus. Bouts of high body temperature due to fever or from external sources can also increase the risk of miscarriage during the first six weeks of pregnancy. Texas Health Insurance

The main goal is to avoid raising your core temperature, says CNN’s Dr. Sanjay Gupta. A hot bath, if not uncomfortable and scalding, is probably just fine. But hot tubs and saunas are best avoided.

Women who live in hot climates should take care not to overheat — stay indoors in air-conditioning, if the temperature spikes outside. As for women who want to continue exercising during pregnancy? Gupta says:

In general, exercising during pregnancy is very dependent on each individual. Some people are able to continue their usual level of activity throughout most if not all of their pregnancy, while others are sensitive to any exertion that raises their heart rate. Keep in mind that if you experience symptoms such as lightheadedness, fainting, a rapid heart rate that doesn’t slow back down or dehydration — no matter how gentle your activities may be or how great shape you are in — it’s important to rest and contact your doctor or midwife if needed. Above all else, listen to your body while exercising both during your pregnancy and beyond. Texas Health Insurance

Getting a color treatment at the salon may raise a few eyebrows, but experts rule this one relatively safe.

One study has recorded adverse effects: a 2005 study sponsored by the National Institutes of Health found a moderate link between a mother’s use of hair dye anytime in the month before or during pregnancy and an elevated risk of neuroblastoma, a type of childhood cancer, in her offspring.

Researchers still don’t know why the dye may be linked with cancer, and need to study it further. Temporary dye was more closely linked with cancer risk than permanent dye, possibly because it is usually applied more often. Texas Health Insurance

Nevertheless, the American Pregnancy Association reasons that hair dye should not be a concern because such a small amount of dye comes into contact with a mother’s skin and thus gets absorbed into the bloodstream.

A report in the journal American Family Physician, however, suggests avoiding dyes in early pregnancy.

Certain health conditions that appear during pregnancy may complicate the risks of air travel, which are different for every woman. For example, hypertension during pregnancy (known as preeclampsia) may increase the risk of blood clots, which may further exacerbate risks of frequent long-distance flying — being in a confined or cramped space for long periods of time is associated with an increased risk of deep vein thrombosis. Texas Health Insurance

The notion that a plane flight can lead to miscarriage, however, is misleading. That association comes from a 1999 study of pregnant flight attendants published in the Journal of Occupational and Environmental Medicine, which found that the air workers had a slightly elevated risk of miscarriage during the first trimester, compared with flight attendants who took time off upon learning they were pregnant. But the overall conclusion of the paper was that the rate of pregnancy complications among the flight attendants was low and that their miscarriage rate could have been caused by job stress as easily as any other factor.

Many doctors restrict flying at 36 weeks, but this has less to do with health risk than it does with labor risk: they simply don’t want you to go into labor aboard an aircraft. Depending on where you are traveling to, maternal health care may also be limited or of poor quality.

Looking for the best information and the best rates on Texas Health Insurance–visit www.texashealthandlife.com or give us a call at or 512-246-9955

How ObamaCare May Disrupt Your Health Plan

Thursday, September 30th, 2010

Texas Health Insurance – Imagine if you ran a business, and one day the government told you that you would be fined if you: (1) minimized unnecessary expenses; (2) hired workers to specialize in customer service; (3) invested resources in order to ensure you wouldn’t get victimized by fraud. What would you do? Think quickly: because three months from now, this very system will be the law of the land for our nation’s health insurers.

Last Friday, the National Association of Insurance Commissioners—the association of the 50 state insurance commissioners—issued its draft guidelines for how insurers will need to calculate “medical-loss ratios,” or MLRs. The wonkiest among you will recall that the medical loss ratio is loosely defined as the dollar amount that an insurer spends on the health care of its beneficiaries, divided by the total dollar amount the insurer collects in premiums. Section 2718 of our new health care law mandates that insurance plans sold to individuals and small employers must spend at least 80 percent of their premiums on health care, and plans sold to large employers must spend at least 85 percent. Texas Health Insurance Quotes

But, like everything else with Obamacare, the devil is in the details: how do you define health care? How do you define “insurance plan”? Now that the NAIC has spoken, we have a good idea of how the final regulations will look. And the news is not good: the MLR regulations are likely to lead to a significant disruption of the health insurance market, with many insurers exiting the market, driving premiums up and choices down.Texas Health Insurance

And this isn’t just my opinion. Maine Superintendent of Insurance Mila Kofman wrote a letter to HHS Secretary Kathleen Sebelius, asking Sebelius to waive the MLR rules for Maine until 2014. “One insurer has indicated its intent to pull out of individual markets (and has explicitly named one state where that decision has already been made),” wrote Kofman. “Prior to 2014, implementation of an 80% medical loss ratio requirement may destabilize the individual health insurance market in Maine.” Maine currently has a state MLR requirement of 65 percent; eliminating 15 percent of an insurer’s budget in three months is no small task.Texas Health Insurance Quotes

Susan Voss, Iowa’s Commissioner of Insurance, has also asked Sebelius for a waiver. “Our first goal as insurance regulators is to protect consumers,” wrote Voss. “Part of that protection is providing ‘choice’ in the market place. Without some form of ‘phase-in’ for these individual carriers, consumers in Iowa will be left with fewer choices.” Texas Health Insurance

Unfortunately, the statutory language in PPACA gives regulators little flexibility in waiving the MLR requirements. Section 2718(b)(1) requires that the requirements must be in force “not later than January 1, 2011.” Texas Health Insurance Quotes

The story gets worse. For in the areas where the NAIC did have latitude to make the MLR regulations less onerous, they made the onerous choice. To wit:

  • MLRs will be measured against individual state entities. Many insurance companies operate plans in multiple states across the country. If you add up all the plans and average their MLRs, you get close to the 80 percent and 85 percent thresholds. But, on a plan-by-plan level, some of those plans have MLRs as high as 170 percent (which the government deems to be good), whereas others have MLRs as low as 30 percent (bad). This has to do with case-by-case characteristics like how new or old the plan is (newer plans typically have younger, healthier policyholders who have less expenses and thus lower MLRs).Texas Health Insurance
  • The higher 85 percent MLR threshold will begin at 50 employees. Insurance sold to “large” employers will be subjected to the higher 85 percent threshold, as opposed to “just” 80 percent for small groups and individuals. PPACA specified that the threshold for being counted as a large employer could be as high as 100 employees; the NAIC decided to bring that threshold lower for the next five years, to 50 employees, significantly expanding the group of employers who will be ensnared by the 85 percent requirement.
  • Important health care management activities will be curtailed. The NAIC explicitly excluded certain important activities from the MLR calculation, including: reviewing insurance claims to prevent unnecessary tests and procedures; fraud prevention activities; and doing due diligence and keeping tabs on hospitals and doctors to ensure they are performing high-quality, high-value medicine. The consequence of these restrictions will be to drive up the cost of insurance: if insurers can’t invest in reducing fraud and waste, they will have to spend more of their money on fraudulent and wasteful health care, driving up the cost of insurance. In addition, as Arnold Kling points out, since insurers will be financially penalized for investing in customer service, there will be less of it. If you thought your insurer was unsympathetic and unresponsive before Obamacare, just wait.Texas Health Insurance Quotes
  • The status of health savings accounts remains unclear. By my reading, the NAIC draft guidelines are silent on the question of whether HSAs will count towards the MLR requirements. If HSAs do not count towards MLR, consumer-driven health plans will immediately become illegal. The Department of Health and Human Services, for its part, asserts that “nothing in the legislation would infringe upon the ability of an individual to contribute to a Health Savings Account.” If this is true, shouldn’t regulators explicitly say so?Texas Health Insurance

The NAIC draft guidelines are open to public comment until October 4. The organization plans to submit its final recommendations to Secretary Sebelius later in the month. PPACA gives Sebelius the freedom to enact whatever regulations she likes on the MLR matter, though she is likely to accept the NAIC’s recommendations so as to avoid stoking further controversy. She is likely to wait until after the November elections to issue the final regulations, leaving insurers less than two months to radically reorder their businesses, or face crippling fines.

Residents of states whose insurance markets aren’t up to Washington’s snuff are in for a serious disruption of their health care. This situation has all the makings of a giant mess. And if a mess does indeed come to pass, let no one pull the wool over your eyes as to how and why it happened. Texas Health Insurance Quotes

Looking for the best information and the best rates on Texas Health Insurance–visit www.texashealthandlife.com or give us a call at or 512-246-9955

Coffee and Your Health

Thursday, September 30th, 2010

Texas Health Insurance – Coffee may taste good and get you going in the morning, but what will it do for your health?

A growing body of research shows that coffee drinkers, compared to nondrinkers, are:

  • less likely to have type 2 diabetes, Parkinson’s disease, and dementia
  • have fewer cases of certain cancers, heart rhythm problems, and strokes

“There is certainly much more good news than bad news, in terms of coffee and health,” says Frank Hu, MD, MPH, PhD, nutrition and epidemiology professor at the Harvard School of Public Health.Texas Health Insurance

But (you knew there would be a “but,” didn’t you?) coffee isn’t proven to prevent those conditions.

Researchers don’t ask people to drink or skip coffee for science’s sake. Instead, they ask them about their coffee habits. Those studies can’t show cause and effect. It’s possible that coffee drinkers have other advantages, such as better diets, more exercise, or protective genes. Texas Health Insurance Quotes

So there isn’t solid proof. But there are signs of potential health perks — and a few cautions.

If you’re like the average American, who downed 416 8-ounce cups of coffee in 2009 (by the World Resources Institute’s estimates), you might want to know what all that java is doing for you, or to you. Texas Health Insurance Quotes

Here is a condition-by-condition look at the research. Texas Health Insurance

Type 2 Diabetes

Hu calls the data on coffee and [type 2] diabetes “pretty solid,” based on more than 15 published studies.

“The vast majority of those studies have shown a benefit of coffee on the prevention of diabetes. And now there is also evidence that decaffeinated coffee may have the same benefit as regular coffee,” Hu tells WebMD.Texas Health Insurance Quotes

In 2005, Hu’s team reviewed nine studies on coffee and type 2 diabetes. Of more than 193,000 people, those who said they drank more than six or seven cups daily were 35% less likely to have type 2 diabetes than people who drank fewer than two cups daily. There was a smaller perk — a 28% lower risk — for people who drank 4-6 cups a day. The findings held regardless of sex, weight, or geographic location (U.S. or Europe).Texas Health Insurance

More recently, Australian researchers looked at 18 studies of nearly 458,000 people. They found a 7% drop in the odds of having type 2 diabetes for every additional cup of coffee drunk daily. There were similar risk reductions for decaf coffee drinkers and tea drinkers. But the researchers cautioned that data from some of the smaller studies they reviewed may be less reliable. So it’s possible that they overestimated the strength of link between heavy coffee drinking and diabetes.Texas Health Insurance

How might coffee keep diabetes at bay?

“It’s the whole package,” Hu says. He points to antioxidants — nutrients that help prevent tissue damage caused by molecules called oxygen-free radicals. “We know that coffee has a very strong antioxidant capacity,” Hu says.

Coffee also contains minerals such as magnesium and chromium, which help the body use the hormone insulin, which controls blood sugar (glucose). In type 2 diabetes, the body loses its ability to use insulin and regulate blood sugar effectively.

It’s probably not the caffeine, though. Based on studies of decaf coffee, “I think we can safely say that the benefits are not likely to be due to caffeine,” Hu says.Texas Health Insurance

Looking for the best information and the best rates on Texas Health Insurance–visit www.texashealthandlife.com or give us a call at or 512-246-9955

ADHD ’caused by genetic faults’

Thursday, September 30th, 2010

Texas Health Insurance – Children with the condition, thought to affect one in 50, are more likely to carry particular faulty sections of genetic code than those without it.

Researchers at Cardiff University made their conclusions after studying the DNA of 366 children diagnosed with ADHD and more than 1,000 children without it.

Anita Thapar, professor of child and adolescent psychiatry, said: “This is really exciting because it gives us the first direct genetic link to ADHD.” Texas Health Insurance

She added: “We hope that these findings will help overcome the stigma associated with ADHD. Too often, people dismiss ADHD as being down to bad parenting or poor diet.” Texas Health Insurance Quotes

Children with ADHD find it difficult to concentrate, are extremely restless and impulsive and often get into trouble at school. Texas Health Insurance

But as the condition has become better known it has attracted criticism, with some saying it is merely as a politically-correct way of excusing children who are out of control due to poor parenting.

However, Prof Thapar said: “Now we can say with confidence that ADHD is a genetic disease and that the brains of children with this condition develop differently to those of other children.” Texas Health Insurance Quotes

She and colleagues found that children with ADHD were twice as likely as others to have small genetic segments of their DNA duplicated or missing. Texas Health Insurance

While people have two copies of the vast majority of genes, one from each parent, sometimes one is missing or there are too many copies – an error known as copy number variants (CNVs). These are known to cause other brain disorders like autism and schizophrenia.

The academics found that while seven per cent of normal children had large, rare CNVs in one section of the genome, the proportion among those with ADHD was 14 per cent. Texas Health Insurance Quotes

The research, published today in The Lancet, also “suggests there may be a shared biological basis” for ADHD and autism. Texas Health Insurance

Although they are thought to be entirely separate disorders, the scientists found that both appear to be caused by large CNV errors in one part of the sixteenth chromosome.

Prof Thapar said she hoped attitudes to ADHD would now change, as they had done for autism: “Some years ago people were saying that autism was caused by ‘refrigerator parents’. That has changed and hopefully it will change for ADHD too.”

The research was unlikely to lead to a genetic test for ADHD, she said, as there were too many other genetic and environmental factors at play. Texas Health Insurance

Looking for the best information and the best rates on Texas Health Insurance–visit www.texashealthandlife.com or give us a call at or 512-246-9955

Free Mobile Information Service for Expectant Mothers

Thursday, September 30th, 2010

A free mobile information service is now available for all Texas Health Insurance customers of Blue Cross and Blue Shield of Texas (BCBSTX) who are expectant mothers. Text4baby is an educational program of the National Healthy Mothers, Healthy Babies Coalition (HMHB) that provides pregnant women and new moms with information to help them care for their health and give their babies the best possible start in life.

Designed to promote maternal and child health, text4baby text messages* focus on a variety of topics critical to maternal and child health, including birth defects prevention, immunization, nutrition, seasonal flu, mental health, oral health and safe sleep. The messages offer prenatal and infant care services or other resources.

Your group’s expectant members who sign up for the service will receive free SMS text messages each week, timed to their due date or baby’s date of birth. After start up messages, they will receive up to three texts per week throughout their pregnancy until the baby’s first birthday.

Members can sign up for the service by texting BABY to 511411 (or BEBE for Spanish messages). The confidential messaging service is HIPAA compliant and due date changes or cancellations can be made at any time. Participating wireless service providers have generously agreed to deliver the text4baby messages to subscribers at no charge.

If you would like quotes on a Blue Cross Blue Shield health insurance plan you can visit www.texashealthandlife.com

If you are already on a Blue Cross Blue Shield Health Insurance plan and you would like more information about text4baby can be found at bcbstx.com.

Stay Well!

Texas Health and Life

512-246-9955 or 1-800-371-2015

www.texashealthandlife.com

National Medicaid and Medicare Health Care Reform; Medicaid Part D Plans; Vice President Biden Speaks about Prescription Drug Doughnut Hole Coverage

Wednesday, September 29th, 2010

Texas Health Insurance – The cost of prescription drugs will be more affordable for them under new regulations. President Obama appointed Berwick without Senate confirmation and republicans are already stating that Berwick will institute “health care rationing”. Berwicks general plan is to implement a national health care bill that would expand Medicaid insurance to the poor and cut more than $400 billion in provider payments from the Medicare program for the elderly over a decade. The general goal is to lower overall health care and medical cost. Many Medicaid changes will not become active until 2014 but the overall cost of the system is designed and expected to be less than it currently is for existing Medicaid and Medicare enrollees. A recent report summarizing a past Medical Expenditure Panel Survey states that the forthcoming expansion is likely to attract more individuals that are less healthy but that over time, the additional enrollees’ health status will resemble existing Medicaid and Medicare enrollees and thus be less costly. Prescription drug coverage continues to be a heated topic of debate. Vice President Biden and Health and Human Services Secretary Kathleen Sebelius recently spoke to seniors and relayed to them that there would be a 50% discount on prescription drugs for those individuals that fall into the Medicare Part D “doughnut hole” beginning next year. This becomes effective in 2011 and will defray the cost of prescription drugs for seniors until new regulations become active over the next several years. Texas Health Insurance Quotes

Looking for the best information and the best rates on Texas Health Insurance–visit www.texashealthandlife.com or give us a call at or 512-246-9955

Positive changes to Texas Health Insurance after 09/23/2010

Tuesday, September 28th, 2010

Listed below are some positive changes to Texas Health Insurance effective after 09/23/2010:

  • Preventive care coverage: no deductible, coinsurance, copays or waiting period (for covered in-network care)
  • No aggregate lifetime dollar maximum.
  • Prescription drugs – any annual dollar limit will be removed.
  • Outpatient spine and back – any annual dollar limit will be removed.
  • Mental disorders and substance abuse – any lifetime or annual dollar limit will be removed.
    • Outpatient expenses will be considered the same as outpatient expenses for medical disorders.
    • No change for plans that do not cover mental disorders and substance abuse (e.g. Saver plans without a state variation).
  • Children under age 19 (on plans with a primary insured age 19 or older).
    • Children under age 19 will have no preexisting conditions exclusions.
    • As required on a state-by-state basis, children under age 19 will not be declined on or after September 23, 2010, based on medical history. We continue to await further guidance and clarification on this topic.

 

Stay Well

Texas Health and Life

www.texashealthandlife.com

Study: Smoking During Pregnancy May Result in Uncoordinated Kids

Tuesday, September 28th, 2010

Texas Health Insurance – As if you needed another reason to quit smoking — especially during pregnancy — consider that women who puff while pregnant may hobble their babies’ coordination and physical control. The effect may be most pronounced in boys, according to research published in the Journal of Epidemiology and Community Health, because of the connection between nicotine and testosterone.

“Nicotine can influence development of the brain and interacts with testosterone particularly during the fetal stage, and this could make boys extra susceptible to fetal nicotine exposure,” says Matz Larsson, researcher in medicine and consultant physician at Örebro University Hospital in Sweden. Texas Health Insurance Quotes

Larsson and Scott Montgomery, a professor at Örebro, analyzed figures collected from more than 13,000 children participating in the National Child Development Study. The children were all born in Great Britain in the same week in March 1958.Texas Health Insurance

When they turned 11, the children’s physical control and coordination were assessed. They were told to pick up 20 matches using both their left and right hands. They also had to tick up to 200 squares and copy a simple figure. Texas Health Insurance Quotes

The children born to mothers who’d smoked at least nine cigarettes a day while pregnant had a harder time completing the tasks. “Our findings suggest that women who smoke during pregnancy run the risk of harming the child’s motor ability,” says Matz Larsson. Nicotine influences acetylcholine, a neurotransmitter that acts as a messenger during fetal brain development. But the nicotine could also be contributing to fetal malnutrition, says Larsson.Texas Health Insurance

Tack that on to the laundry list of other woes related to smoking during pregnancy, including lower birth weights, poor fetal growth and increased risk of premature delivery. The U.S. Public Health Service estimates if pregnant women stopped smoking, there would be an 11% reduction in U.S. stillbirths and a 5% reduction in newborn deaths. Texas Health Insurance Quotes

For the 10% of women who smoke while pregnant, this is yet another reason to toss out those cigarettes.

Looking for the best information and the best rates on Texas Health Insurance–visit www.texashealthandlife.com or give us a call at or 512-246-9955

Health law kicks into 2nd gear; does it help me?

Wednesday, September 22nd, 2010

 The nation’s new health care law turns 6 months old Thursday and starts delivering protections and dollars-and-cents benefits that Americans can grasp. But it won’t affect all consumers the same way, which may cause confusion.

Q: Will everyone’s health insurance change on Thursday?

A: No. It depends on when your health insurance plan year starts. Many of the new requirements begin with plan years starting on or after Sept. 23. But if your plan year starts Jan. 1, as many do, that’s when the changes start. Texas Health Insurance Quotes

“Grandfathered” plans, those that existed before the law was enacted March 23 and which remain essentially unchanged, must meet only some of the requirements. New plans and those with significant changes in benefits or out-of-pocket costs must comply with even more changes in the law.

Q: How do I know how my health plan fits in all this?

A: If you get insurance through work, ask your employer about any changes. If you buy insurance yourself, call your insurance company. Texas Health Insurance Quotes

Q: What are some of the new benefits?

A: Free preventive care, for one. Some people will no longer have to pay copays, coinsurance or meet their deductibles for preventive care that’s backed up by the best scientific evidence. That includes flu vaccines, mammograms and even diet counseling for adults at-risk of chronic disease.

Q: Are there exceptions?

A: Free preventive care isn’t required of existing health plans that haven’t changed significantly, those “grandfathered” plans we mentioned earlier. New plans, and those that change substantially on or after Sept. 23, must provide this benefit. Texas Health Insurance Quotes

Q: What other changes start Sept. 23?

A: If you go to an emergency room outside your plan’s network, you won’t get charged extra. Patients will be able to designate a pediatrician or an ob-gyn as their primary care doctor, avoiding the need for referrals that are required by some plans.

Q: I’ve heard lifetime limits are being eliminated. What does that mean?

A: Millions of Americans have insurance that sets a cap on what their insurance will pay to cover their medical costs over a lifetime. The caps have left very sick patients with medical bills topping $1 million or $2 million high and dry. These lifetime limits will be eliminated for plans issued or renewed on or after Sept. 23.

Those who have maxed out because of the caps but remain eligible for coverage must be reinstated on the first day of the plan year that begins on or after Sept. 23.

Q: What about annual limits?

A: Plans issued or renewed on or after Sept. 23 can’t have annual limits lower than $750,000. Annual limits will be eliminated entirely by 2014. Texas Health Insurance Quotes

Q: Are there exceptions?

A: Employers and insurance companies can apply for waivers for so-called “mini-med” plans that offer limited benefits. The intent of the waivers is to allow these low-cost plans to exist so that people don’t lose their health coverage when premiums go up.

Q: Any changes that affect parents?

A: Insurers can no longer deny coverage to children with pre-existing conditions. Also, parents can keep their adult children on their health plans until age 26.

Q: Is it true that some insurers will no longer sell child-only policies in some states?

A: Companies in some states have said the new requirement to insure children with pre-existing conditions will lead to unpredictable costs. Their decision to stop selling such policies won’t affect existing plans. Most children are covered under family insurance plans. A 2009 survey by the trade group America’s Health Insurance Plans found about 8 percent of individual plans are child-only, covering about 140,000 children.

Texas Health Insurance Quotes

Q: Are there other consumer protections?

A: The law bars insurers from canceling policies retroactively when a person gets very sick and runs up high bills. Insurers still will be able to rescind policies in cases of fraud and intentional misrepresentation. But they can’t cut you off when you need coverage most for a capricious reason.

Q: Why Sept. 23?

A: That’s six months after President Barack Obama signed the law. Many provisions were scheduled to start six months after enactment.

Q: Are these changes likely to raise health insurance premiums?

A: The Obama administration says the new benefits will raise premiums by no more than 1 to 2 percent. Benefit consulting companies say the impact will be in the single digits, but may vary from plan to plan.

Texas Health Insurance Quotes___

Sources: Associated Press research, Employee Benefit Research Institute, eHealth Inc., Kaiser Family Foundation, Georgetown University’s Center for Children and Families Health Policy Institute.

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Looking for the best information and the best rates on Texas Health Insurance–visit www.texashealthandlife.com or give us a call at or 512-246-9955

Big health insurers to stop selling new child-only policies

Wednesday, September 22nd, 2010

Anthem Blue Cross, Aetna Inc. and others say they will make the move as soon as Thursday when parts of the new healthcare law take effect. They cite potentially huge and unexpected costs for insuring children.

Major health Texas health insurance companies  and other states have decided to stop selling policies for children rather than comply with a new federal healthcare law that bars them from rejecting youngsters with preexisting medical conditions.

Anthem Blue Cross, Aetna Inc. and others will halt new child-only policies in California, Illinois, Florida, Connecticut and elsewhere as early as Thursday when provisions of the nation’s new healthcare law take effect, including a requirement that insurers cover children under age 19 regardless of their health histories. Texas health insurance

The action will apply only to new coverage sought for children and not to existing child-only plans, family policies or insurance provided to youngsters through their parents’ employers. An estimated 80,000 California children currently without insurance — and as many as 500,000 nationwide — would be affected, according to experts.

Insurers said they were acting because the new federal requirement could create huge and unexpected costs for covering children. They said the rule might prompt parents to buy policies only after their kids became sick, producing a glut of ill youngsters to insure. As a result, they said, many companies would flee the marketplace, leaving behind a handful to shoulder a huge financial burden Texas health insurance

The insurers said they now sell relatively few child-only policies, and thus the changes will have a small effect on families.

“Unfortunately, this has created an un-level competitive environment,” Anthem Blue Cross, California’s largest for-profit insurer, said in a statement declaring its intention to “suspend the sale of child-only policies” on Thursday, six months after the healthcare overhaul was signed. Texas Health Insurance Quotes

The change has angered lawmakers, regulators and healthcare advocates, who say it will force more families to enroll in already strained public insurance programs such as Medi-Cal for the poor in California.

The White House weighed in Tuesday, condemning Anthem corporate parent WellPoint Inc. and others that plan to stop selling child-only policies. Texas health insurance

“It’s obviously very unfortunate that insurance companies continue to make decisions on the backs of children and families that need their help,” White House Press Secretary Robert Gibbs said at a news briefing.Texas Health Insurance Quotes

The Obama administration had told insurers they could solve the problem by issuing policies only during designated enrollment periods. Some White House officials, however, noted that families who can’t find policies might be able to sign up for high-risk pools being set up around the country as part of the new healthcare law. Texas health insurance

In California, the stakes may be particularly high for insurers who abandon child-only policies. A bill awaiting Gov. Arnold Schwarzenegger’s signature would bar such companies from selling insurance in the lucrative individual market for five years. A Schwarzenegger spokeswoman said the governor had not yet taken a position on the measure.

Assemblyman Mike Feuer (D-Los Angeles), the bill’s author, voiced frustration over the insurers’ plans and singled out Anthem Blue Cross, whose corporate parent notified brokers nationwide Friday of its decision to exit the child-only business in 10 states, including Colorado, Connecticut, Missouri, Nevada and Georgia as well as California. Texas health insurance

“At a time when we are launching a national approach to ensure that all children have access to healthcare, Anthem’s actions represent a step backwards,” Feuer said. “By threatening to drop child-only policies in California, the company jeopardizes the health of families and children. I call on Anthem to reconsider its plan.” Texas Health Insurance Quotes

Other regional and national insurers also plan to stop selling insurance policies exclusively for children. Among the companies is UnitedHealth Group Inc., the nation’s largest insurer by revenue. It did not say which states would be affected. Texas health insurance

“We continue to believe that regulations can be structured that will enable child-only plans to be offered, and we are working toward that goal,” spokesman Tyler Mason said.

Aetna said that effective Oct. 1 it would no longer offer policies in the 32 states where it conducts business, including California, Florida, Illinois, Virginia and Pennsylvania.

Cigna Corp. will halt the policies in 10 states, including California, Arizona, Colorado, Tennessee and Texas. Texas health insurance

“We made a decision to stop offering child-only policies to ensure that we can remain competitive in the 10 markets where we sell individual and family plans,” Cigna spokeswoman Gwyn Dilday said. “We’ll continue to evaluate this policy and could reconsider changing this position as market dynamics change.” Texas Health Insurance Quotes

The explanations left healthcare advocates fuming. They accused insurers of trying to skirt the law’s new requirement to cover children with health problems.

“Insurers need to decide if they are in the business of providing care or denying coverage,” said Anthony Wright, executive director of Health Access California, a consumer group. “In California, we hope our insurers come to an equitable compromise that allows access for all children and affordability for those with preexisting conditions.” Texas health insurance

In Colorado, regulators and insurance carriers are trying to work out such a compromise. The state’s insurance commissioner met Friday with several insurers, including Anthem, Cigna and Aetna. The two sides did not reach an agreement, but officials remain hopeful they can broker a deal before Thursday.

“Obviously this deadline looms large,” said Jo Donlin, director of external affairs for the Colorado Division of Insurance. “The commissioner wants families to have access to the insurance they need. Both sides of this want to find a solution.” Texas health insurance

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