Alice Braga

My take on insurance and financial needs

Enrollment in Health Insurance: Take Care People 30 (2014) Ad Council Radio PSA


If you think this jingle/PSA is catchy and/or annoying, please respect my opinions! :)

59% of the under insured lack knowledge about options available to them under the new healthcare law. At the launch of the campaign, 41 million people in the United States were uninsured, exposing themselves and their families to significant financial risks in cases of medical issues, accidents and emergencies. With the Affordable Care Act (ACA), health insurance now covers prescriptions, hospital visits, doctor visits and more.

Millions of the uninsured and underinsured will qualify for financial assistance. But, recent consumer research conducted by Enroll America indicates that 59 percent of the underinsured lack knowledge about brand new plan options, and 69 percent of the uninsured don’t know that financial assistance is available to help pay for their plan. There is significant need to raise awareness, and help people get more information about the new plan options that are available for them and their families.

The “Take Care, People” campaign uses pets as the unlikely spokespeople to raise awareness, educate, and motivate uninsured Americans to explore their options and enroll in health insurance for themselves and their families under the historic ACA. The non-partisan effort provides important information and tools year round and during open enrollment. The campaign directs the target to learn more at GetCoveredAmerica.org, where they can access information and tools to help with the enrollment process – including access to zip code locators for in-person assistance, a calculator to estimate costs, FAQs and tip sheets.

A message from Get Covered America and the Ad Council. :)

Obama Administration Issues Rules on Insurance Company Spending


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Obama Administration Issues Rules on Insurance Company Spending

Published November 22, 2010 | Associated Press

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WASHINGTON — Health insurance premiums should go for actual medical care — not insurers’ overhead and profits — the Obama administration said Monday in rules that for the first time require the companies to give consumers a rebate.

The regulation unveiled by the Health and Human Services Department calls for insurance companies to spend at least 80 cents of the premium dollar on medical care and quality. For employer plans covering more than 50 people, the requirement is 85 cents. Insurers that fall short of the mark will have to issue their customers a rebate.

Part of the new health care law, the rule is meant to give consumers a better deal. Administration officials said it will prevent insurers from wasting valuable premiums on administration, marketing and executive bonuses. “While some level of overhead costs is certainly necessary, we believe they have gotten out of hand,” said Health and Human Services Secretary Kathleen Sebelius.

Some insurers have complained the approach is heavy handed, and doesn’t take into account costs of marketing to individuals and small employers. Indeed, some are threatening to pull out of the individual market, and four states have already asked the federal government for an exemption from the rule, fearing it could lead to loss of coverage.

But industry watchers said the final regulations wound up being more manageable than investors initially feared. Analyst Les Funtleyder, who covers the industry for Miller Tabak, noted that HHS has wide latitude to adjust the rules to prevent market disruptions.

“From an expectations point of view, these are rules that managed care can live with in 2011,” he said.

Currently, there is no uniform requirement that health insurers spend a minimum share of premiums on medical care. Consumer groups say somewhere between 80 to 85 cents on the dollar represents good value, but many plans spend in the range of 60 to 80 cents.

That will change Jan. 1, when the rule goes into effect. Starting in 2012, as many as 9 million customers could get rebates averaging 4, officials estimate. It could be a discount on premiums or a payment by check or credit card.

Consumers shopping for health insurance in the future will be able to compare what plans in their area spend on medical care. They’ll have to learn some new jargon: the proportion insurers spend on care is termed the “medical loss ratio.” Overall, the new requirement applies to plans that cover about 75 million people.

One major exception involves large employer plans. Generally major companies pay their employees’ health care expenses directly, hiring an insurance company to act as an outside administrator. To employees, it looks like they are covered by an insurer, but it’s actually their company that’s paying. Because most big firms pay up front, they already have a strong incentive to be as efficient as possible.

Administration officials say they don’t anticipate the kinds of dire disruptions that some health insurance companies have warned about.

“No one is going to lose their coverage,” said Jay Angoff, head of the HHS office of insurance oversight.

Developed in conjunction with state insurance regulators, the regulation provides for adjustments to ease the impact of the requirements if problems emerge.

Very small insurers with fewer than 1,000 enrollees will not be required to provide rebates, and those with fewer than 75,000 enrollees will get an adjustment. Limited benefit plans popular in low-wage industries will get more time to comply, and may also be able to claim adjustments. States can apply for a waiver if state regulators conclude that the requirement would destabilize local markets, for example if a large insurer pulled out.

Children’s Health Insurance Program– Financing Issues


1. Congressional Budget Office Children’s Health Insurance Program: Financing Issues Presentation to the Alliance for Health Reform July 14, 2014 Rob Stewart, Budget Analysis Division

2. 1c O N G R E S I O N A L B U D G E T O F I C E CHIP Financing Essentials ¦ For each financial year since the program’s initiation and through 2015, the statute has given an aggregate government assignment. That subsidizing is known as “plan power.” ¦ The law likewise determines an equation for yearly distributions to states. – In even-numbered years, the distribution is focused around the former year’s allocation to each one state and expands that sum by development in two components: national wellbeing uses and the quantity of youngsters in the state. – In odd-numbered years, the designation is focused around the earlier year’s using by each one state and develops that sum by the same two variables. ¦ States have two years to put in a given year’s assignment.

3. 2c O N G R E S I O N A L B U D G E T O F I C E Budget Authority versus Allocations ¦ The Affordable Care Act incorporated a procurement to expand the matching rate for CHIP by 23 rate focuses from 2016 through 2019. The normal government offer of CHIP installments will climb from 70 percent to 93 percent. ¦ This procurement has no impact on CBO’s projection of government using on the grounds that, for its standard projections, the organization expect that all accessible elected financing will be used after 2015 paying little respect to whether the matching rate is 70 percent or 93 percent. ¦ However, in the event that sufficient plan power was accommodated CHIP yearly after 2015 to cover each qualified candidate and the higher matching rate was held, government using on the CHIP system would be one-third higher for any given measure of state using. 2014 2015 0 5 10 15 20 25 19.1 9.5 21.1 12.3 Budget Authority Allotments

4. 3c O N G R E S I O N A L B U D G E T O F I C E Budget Authority versus Portions – Key Questions The designations in 2014 are short of what the aggregate plan power accommodated the year, and the same is relied upon to be valid in 2015. On the off chance that the Congress revokes (crosses out) some or the majority of the overabundance plan power (the measure of plan power that surpasses downright allocations to states), would CBO gauge decreases in the shortage? No. Since that funding power is not anticipated that will be used under present law, repealing it would not be assessed to influence using or the deficiency.

5. 4c O N G R E S I O N A L B U D G E T O F I C E Budget Authority versus Distributions – Key Questions (Continued) Current law incorporates yearly tops on plan power gave in allotment acts. In the event that the Congress revokes some or the majority of the abundance plan power, would that make space for an increment in allocations for different projects under the tops? Yes—if the rescission was carried out in an apportionment bill.

6. 5c O N G R E S I O N A L B U D G E T O F I C E Budget Authority versus Designations – Key Questions (Continued) Could the Congress give another reason to the abundance plan power bringing about costs without having CBO appraise that government using would increment? No. In the event that such plan power was made accessible for another reason bringing about costs, CBO would assess an increment in using with respect to that under present law.

7. 6c O N G R E S I O N A L B U D G E T O F I C E Spending on the Children’s Health Insurance Program in CBO’s April 2014 Baseline 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Budget Authority 19.1 21.1 5.7 State Allotments 9.5 12.3 5.7 Estimated Outlays 11.0 12.5 9.1 5.8 5.7 (Billions of dollars, by monetary year)

8. 7c O N G R E S I O N A L B U D G E T O F I C E Why Does CBO’s Baseline Project .7 Billion in Budget Authority for CHIP after 2015? ¦ Current law gives no new plan power to CHIP after 2015. ¦ Following the tenet built in law for creating pattern projections of projects with such terminating subsidizing power, CBO’s projections reflect the suspicion that CHIP will keep on being financed to work as it will under the law as a result quickly before the date after which no new plan power is given.

9. 8c O N G R E S I O N A L B U D G E T O F I C E Why Does CBO’s Baseline Project .7 Billion in Budget Authority for CHIP after 2015? (Proceeded) ¦ The Congress isolated the 2015 apportionment into 3 sections: – An “one-time allotment” of .4 billion made in the first 50% of 2015, – An allocation of .85 billion in the first a large portion of 2015, and – An assignment of .85 billion in the second 50% of 2015. ¦ CBO accordingly accept that semi-yearly installments of .85 billion will be made after 2015 in light of the fact that that is the means by which the system will be working quickly before its financing is booked to end.

IRS Health Care W-2 Health Insurance Reporting – Orlando Tax Problem Service


Website: http://www.TaxProblemService.com
Call us for a free consultation, Hablamos Espanol.
866-419-1040

Our team of retired IRS Agents and Enrolled Agents will solve your tax problem or your money back.
We are experts in Offer in Compromise, wage garnishments, tax levy, tax liens, unfiled tax returns, etc.

Read More: http://www.geoclickz.com/blog/business_and_professional/the-internal-revenue-service-an-overview-of-the-i-r-s
__________________________________
HERE’S A TIP FROM THE I-R-S.

HI…I’M THERESA…AND I WORK FOR THE INTERNAL REVENUE SERVICE.

HERE’S SOME IMPORTANT INFORMATION FOR YOU AND YOUR EMPLOYER ABOUT YOUR W-2 FORM.

YOU KNOW…THE FORM YOU GET AT THE END OF THE YEAR THAT TELLS YOU HOW MUCH YOU’VE EARNED AND PAID IN TAXES.

IT ALSO LISTS OTHER THINGS…SUCH AS BENEFITS AND RETIREMENT SAVINGS.

WELL…YOU MAY HAVE HEARD THAT THE I-R-S WILL BE REQUIRING EMPLOYERS TO REPORT THE VALUE OF YOUR HEALTH INSURANCE COVERAGE ON YOUR W-2.

THIS IS TRUE…BUT HERE’S WHAT’S DIFFERENT.

THE I-R-S IS MAKING IT OPTIONAL FOR ALL EMPLOYERS FOR 2011.

THEN FOR AT LEAST 2012… IT’LL BE OPTIONAL FOR SMALLER EMPLOYERS.

THAT IS…THOSE WHO FILED FEWER THAN 250 W-2 FORMS FOR 2011.

THIS WILL GIVE EMPLOYERS ENOUGH TIME TO MAKE CHANGES TO THEIR PAYROLL SYSTEMS

IN OTHER WORDS, THE CHANGE WILL HAPPEN…JUST NOT RIGHT AWAY.

IN THE MEANTIME…HERE IS ONE THING THAT HASN’T CHANGED.

WHETHER YOUR EMPLOYER REPORTS IT FOR THIS YEAR OR DOWN THE LINE…YOUR HEALTH BENEFITS ARE STILL TAX FREE.

NOW, AS IN THE PAST… YOUR HEALTH INSURANCE COVERAGE IS EXCLUDED FROM YOUR INCOME AND WON’T BE IN THE SAME BOX AS YOUR WAGES OR SALARY.

AGAIN…YOU WILL NOT BE TAXED ON IT.

IT’S FOR INFORMATION REPORTING PURPOSES ONLY TO SHOW YOU THE VALUE OF YOUR HEALTH CARE BENEFITS.

THAT WAY…WE CAN ALL BE MORE INFORMED CONSUMERS.

TO LEARN MORE…GO TO W-W-W-I-R-S-DOT-GOV.

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http://www.geoclickz.com

Group Health Insurance in China


http://www.china-health-insurance.com/health-insurance/group-information/

Medical insurance coverage in China
Picking the appropriate world-wide medical cover is very important. Most people get out the very same worldwide medical policy for several years to make certain constant cover, (shifting your international medical insurance plan regularly is not a good concept). But even if the cover is only for a couple of months, be certain it is the correct cover is extremely crucial. Policies are usually available with either emergency-only or comprehensive coverage. For more information on this type of coverage, consult our personal China health insurance policies page.

China medical insurance for the family
With a family plan, several variables play a part in choosing the plan, and insurance companies all offer varying options to meet the differing coverage requirements of the various sizes and types of families.

Global health cover options in China
Because global health insurance coverage is very specialized and has many options, it is best to talk about your particular requirements with an adviser prior to purchasing a policy.

Accurate and trustworthy
We can provide you precise and up-to-date responses to the questions you have, speedily and efficiently. If you are an expat now in China or you are preparing to relocate to the region in future, you may be contemplating purchasing medical insurance for yourself and your family. Choosing a medical insurance in China, that is the right fit can be difficult given the abundance of insurance companies nowadays. At www.china-health-insurance.com, we offer China medical insurance policies from greater than 60 insurers, so when you agree to buy a China medical coverage tactics from us, you can expect to be presented with a wide range of great options. Most of our schemes are guaranteed renewable forever and ensure coverage globally. This allows you to keep your China policy with you and maintain uninterrupted medical coverage anywhere worldwide.
Health coverage adviser in China
Are you tired of being given advice on plans that look like advantage the needs of the insurer rather than you as the policy owner? www.china-health-insurance.com is an independent coverage broker who will without exception put the needs of our customers above the insurance companies. you are provided with non-prejudiced advice about different medical insurance policies in China that fit perfectly you as an individual. Our in depth knowledge of the industry means that we have current data and knowledge on all aspects of local healthcare issues in the area. Much of this knowledge can be conveniently obtained through www.china-health-insurance.com or by talking to our expert advisers directly. Being in possession of this information can assist you in making informed choices as to which health policy is most appropriate to your needs.

We are also able to provide recommendations regarding which hospitals in China are suitable for the treatment of certain health issues.
What is maternity coverage?
The expenses involved in having a baby overseas can be a tremendous financial burden if insurance coverage has not been applied. Clinic charges all together with pre-natal, post-natal, labour and delivery expenses and unexpected difficulties can typically exceed u s d 15,000. In the unlucky event of a kid being born with inborn problems the fees can significantly exceed this.

A lot of expats are ignorant that having children overseas can involve astronomic expenses and preparing in advance is extremely crucial if devastating financial implications are to be avoided. A new child must usually be added to a medical insurance expat plan inside of four weeks to provide constant insurance. It is normal for an added premium plan to be added to insure the newborn though some policies provide discount rates for family members which some expats may would like to take into account.
Chronic condition coverage in China
Chronic conditions are generally defined as healthcare conditions which you do not recuperate from but only manage and sustain, for instance diabetic issues and bronchial asthma. At the moment about 50 % of the global health insurance policies in the market offer coverage for chronic conditions. It is essential to realize that the on-going therapy and administration of chronic conditions in China can be really high-priced as such policies providing this coverage are normally a lot more costly.
Dental insurance policy in China
Dental coverage is usually of two kinds : routine dental: polishing, scaling and regular compound fillings, etc. Significant dental: removing of impacted, buried or un-erupted tooth, elimination of roots, new or fix of bridge work, new or repair of crowns, root canal therapy, and so forth.

People Without Health Insurance Coverage by Race, 2012


From the CME activity, “Health Care System​s Issues and Disparities in ADHD Care for Hispanic Adults.” To complete this activity and receive CME credit, visit: http://ow.ly/OKnzi

Hispanic adults with ADHD encounter numerous barriers when seeking treatment. In this activity, learn how to assess a Hispanic patient’s cultural biases toward ADHD diagnosis and treatment options.

© 2014 Physicians Postgraduate Press, Inc.

Finding Supplemental Health And Dental Insurance For Seniors – (855) 878-7774


There is a general misconception that once you become a senior citizen that medicare just wraps up your health and dental insurance in a nice and neat little package, especially if you think it includes dental insurance for seniors.

While medicare does provide necessary benefits, it leaves many senior citizens trying to figure out how on a fixed income they can supplement their medicare insurance because everything they need done isn’t covered as expected. And with so many baby boomers retiring nowadays, many people are realizing that there is a shortage of affordable health and dental insurance for seniors.

As people age and become senior citizens, more and more health problems can arise. It is so important to have the best health and dental insurance during your golden years. The problem with medicare is that even when it covers a majority of the expenses, senior citizens are left to pay the rest as mentioned. For a working person this is easier, but for a person relying on only their social security check, it can be quite impossible.

So with increased medical expenses and less money to pay towards those unpaid expenses left over from medicare poses a major problem for seniors. What is the solution? It makes sense to supplement your health and dental insurance with extra coverage so that you’re paying an amount of money you can handle toward that extra premium but not paying out hundreds and even thousands for unpaid medical expenses.

However, not all policies are affordable for seniors so they have found it difficult at times to secure supplemental health and dental insurance. Thankfully, companies started taking note of this, especially since the number of people retiring nowadays is at a record pace due to the baby boomer generation. Different types of supplemental policy ideas have been developed, and seniors are now finding out they have more options.

Health and dental insurance for seniors should not be an issue. These are people who have worked hard all of their lives, and they deserve to have their medical and dental needs covered during their final years. One of the supplemental dental insurance plan options is the dental savings plan. This is like being part of a club, where you pay a one time fee annually to receive reduced rates on all goods and services.

Different companies offer different solutions, but you can check with the top companies to see what they offer. When looking at different companies, you also want to be sure that your availability of dentists and doctors does not change to the point you can’t choose where you want to go. Also understand that the dental savings plans are not actual insurance but ways to supplement your existing medicare coverage in an affordable manner.

Supplemental health and dental insurance for seniors is a necessity to most people entering retirement. Even if they don’t realize it at first, unexpected circumstances arrive and the bills catch them off guard. Be prepared and don’t fall into that trap; instead, find the supplemental insurance you need ahead of time.

While not insurance, discount health plans and discount dental plans can be very effective in making up gaps in your health care coverage. To check out our discount health plans here –

http://pikespeakstrategicgroup.com/ameriplan-health-products-and-services/

Or call us at – Phone (855) 878-7774

Florida consumer interviewed about having no health insurance


Alison King is a very grateful patient of the Brandon Outreach Clinic near Tampa, Florida. She relies on the free health services of volunteer medical staff at Brandon to help her manage her many health issues.

Alison sat down at the Brandon Outreach Clinic in September 2014 to share her story with community members and clinic staff. Although thankful for the ability to get some help at the clinic, Alison understand there are limits to the specialty care the clinic can provide and wished the elected officials in Florida would act to expand health care to all by closing the coverage gap.

Alison wants nothing more than to be able to get healthy and to work hard making a productive living with her pool cleaning business.

Watch this video and hear Alison tell her story in her own words.

Interview transcript:

“I’m Alison King, I’m a patient at the Brandon Outreach Clinic, which I’m extremely grateful for–for everybody who has donated their time and their efforts, because without them, I’m about one step away from being one of those people on the streets who is panhandling, one emergency away. I have high blood pressure, diabetes, chronic sleep apnea, and this is the only care that I receive. I’ve been to the emergency room several times and still have outstanding bills that I pay every month. But there has to be something in between. I over qualify for county aid, but I’m under qualified for the health care I really need. Everything that I’ve received has been donated. I have a bipap machine that keeps me breathing, but my oxygen dips to 70% every night, so I’m, literally, my brain is dying-every day. My organs do not regenerate and I cannot afford the oxygen I need to survive.”

“I run my own business. I do 65 swimming pool accounts a week. I’m up every day and out working. It is not a factor of being lazy, it is a factory of functionality, perhaps. Stress, anxiety, and people who do not have these issues, do not understand these issues. And it is a very real (thing). It is something I have to deal with every day. To get up out of bed. Last week I felt like I was carrying two cinder blocks around in my arms.”

“I am very fortunate; I can get up and function, but as far as a level of achieving things that other people don’t struggle with; until you’ve been through something like that, there is no way to explain it really.” (2:09)

“There are some days, you know, I mean, honestly, depression is a big factor. It’s not a mental state of mind, it’s a physiological chemical imbalance that I deal with everyday. Until you’ve been through it, you don’t understand it. My organs do not regenerate at night, so I’m basically chronically fatigued every night. To get up and actually, have to…, and there are some days that I feel like I’m just going to give up, collapse, literally. And I don’t know what the answer is. For me, I’m a fortunate one. I’m a lucky person I feel. There are so many other people out there that I feel are, you know….Like I said, I’m grateful. I sometimes feel guilty for receiving some of the benefits when theres other people that might be out there that might be even more needy. But I’m one face in a million. I could be more productive.”

“I could see being more functional, making better decisions. Being a more productive member of society. Everything would improve. Just the basic well being in life. Nobody should be excluded. Why should one person deserve one thing more than somebody else? We are all born into this world equally. So why should one person benefit more greatly that another person of the community?”

3:45 End of interview

Does Health Insurance Pay for Couples Counseling?


http://thriveworks.com/mental-health-billing/
As Medical Billers, a common questions among mental health professionals (counselors, psychologists, and social workers alike) deals with the issue of insurance companies reimbursement of couples counseling. Will they pay? Or is it not covered? In this video, Dr. Anthony Centore and Mental Health Biller Alicia Potts tackle the issue.

Georgia Health Insurance Medicare


Medicare, Medigap and Medicare Advantage in Georgia.
http://www.georgiahealthinsuranceratesplans.com/

What is Medicare? Medicare is federally funded health insurance for individuals over 65 years of age and for people below 65 with disabilities.

Medicare is the largest health insurance program in the United States with approximately 40 million members.

You must follow a number of criteria to be eligible.

• You must be a US citizen.
• You must be 65 years of age or older.
• If you are under 65, you must have certain disabilities.
• If you have fatal Renal Disease, otherwise know as kidney failure that might require dialysis or a transplant.

Types of Medicare: Medicare Part A, B, C, D & Medigap

Medicare Part A covers major and fatal illnesses as well as terminal care issues. Services may include inpatient hospital care, hospice care, home health care and a portion of nursing facility costs.

Medicare Part B covers minor health issues such as doctor’s visits, doctor’s care, physical and occupational therapy, if needed. It is basically maintenance and preventative coverage.

Medicare Part C is also called Medicare Advantage Plan that completely replaces Medicare Part A and Part B for people who cannot afford private insurance. The plan must be Medicare approved and an additional premium payment is required.

Medicare Part D covers prescription drugs. There are multiple plans to choose however co-payments and/or deductibles may be required.

Medigap is GAP coverage for people who do not fully qualify for parts of Medicare A, B, C or D. It covers co-pays, deductibles or other expenses not covered by Medicare programs. However, if you choose a Medicare Advantage Plan (Medicare Part C), your Medigap policy won’t pay out.

Medicare is a great solution for many people including seniors who struggle to cover medical bills and prescriptions as well as basic health insurance coverage. Medicare helps those individuals who simply cannot afford the rising cost of health care.

We can educate you on what the Medicare program is all about. Just contact us!

Don’t Just get a quote! Let us educate and guide you on making the right cheap, low cost, affordable health insurance CHOICE!

http://www.georgiahealthinsuranceratesplans.com/

TURN TO US! Let us guide and educate you on choosing the best health insurance coverage , On or Off the Exchange Market Place, from top health insurance companies like Aetna, Assurant, BlueCross Blue Shield of Georgia (BCBSGA), Coventry Health Care (CVTY), Kaiser Permanente and United Healthcare in Atlanta, Alpharetta, Milton, Columbus, Savannah, Athens, Augusta and the rest of Georgia!

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