Survey Reveals Changes to Cost of Workers Health Insurance

A survey done by Mercer shows that many workers will see their employer sponsored health insurance premiums rise at a slower rate in 2012 than in previous years. It also shows that workers will be asked to pay for a larger portion of their health plans next year. Mercer is a consultant that many companies go to for advice on human resource issues, financial advice, products, and services. A business can ask Mercer to conduct a survey for them that gives the business information about how their employees feel about something, or how other businesses are handling a certain problem. … Continue reading

Utah School District Offers Health Insurance to Domestic Partners

Teachers in Utah’s Salt Lake City School District will be receiving insurance benefits in the coming school year. This is quite a different result than what happened with teachers in Wisconsin earlier this year. Utah’s teachers will be able to extend their health insurance benefits to their domestic partners. For many people, teaching is a calling. No one becomes a teacher in order to become wealthy, because we all know that America’s teachers really do not get paid very much money at all. Teaching might be one of the most demanding, stressful, exhausting jobs that exists. It’s not easy to … Continue reading

The pre-existing condition insurance plan

In March of 2010, President Obama signed the Affordable Care Act. This is the new health care law that so many people have been talking about. The Affordable Care Act sets into motion a series of health insurance reforms that are designed to hold insurance companies accountable for their actions and choices. The law is designed to make the cost of health care lower, to guarantee that Americans will have more health care choices, and to enhance the quality of health care for all Americans. In short, the purpose of the Affordable Care Act is to help everyday families to … Continue reading

Insurance Company Refused to Cover than Reconsidered Too Late

Welcome to 2008, hopefully your family had a better end to the year 2007 than the family of Natiline Sarkisyan. Their year ended with a funeral for their teen-aged daughter who died after her health and medical insurance company refused to pay for a liver transplant and then reconsidered. The Philadelphia-based Cigna HealthCare insurer has a history of approving coverage for over 90% of all transplants claims requested by their insured members, with over 90% of the liver transplant request being approved according to Cigna company President David Cordani in a memo addressed to employees and distributed to the media. … Continue reading

Copy of All Documents, Relevant to Your Appeal.

In a previous Blog I outlined our situation and the fact our Employer Provided Group Health Insurance had sent us an Initial Denial of Authorization for continued psychiatric residential treatment our 9-year-old daughter needs. We expected the letter, and knew our private group health policy had decided in a Doctor to Doctor meeting they would not authorize any further care. This time however, I decided to request a copy of all the documents the insurance company use to make their decision. I called the “Appeals” number provided in the initial denial of authorization letter and exercised my rights to receive … Continue reading

Initial Denial of Authorization: The Letter

It’s not easy to parent a child who suffers from mental, emotional, and physical disabilities. Navigating the medical and mental health system can be a job in itself. Top things off with a less than cooperative Employer provided group health plan and life can become more then just a little stressful. Our beautiful 9-year-old daughter was placed for adoption with us at the age of 5. It’s been a long hard road filled with difficult parenting choices. I thought I knew everything after raising my older two children. Helping Makala has become the definition of Advocating for the best interest … Continue reading

Doctor to Doctor Review: Employer Provided Group Health Insurance

It’s been one thing after another since the placement of our special needs siblings for adoption in 2003. We added our children to our Employer Provided Group Health Insurance as soon as possible. In order to be sure all of their needs are met children adopted from foster care have Medicaid or State medical benefits until the age of 18 as part of the Adoption Assistance provided for special needs children. Our private employer group health insurance is seen as Primary with the Medicaid/State medical as secondary. Recently the federal government has passed laws requiring insurance companies treat mental health … Continue reading

Primary and Secondary Health Insurance Coverage

Our family has had a difficult start to the year 2007! As some may know we are the Adoptive Parents of two special needs siblings placed through the state foster care system. Our daughter, Makala, was 5-years-old and her biological brother Jeremiah was 1-year-old at the time they were placed for adoption in our family during 2003. This has been an interesting and long four years. Our little girl has had several issues no one knew existed among them Alcohol-Related Neurodevelopmental Disorders, (ARND). Special Needs children adopted from the child services system often have continued benefits. Older, or special needs … Continue reading

Colonial Life Review

Colonial life Insurance Company offers insurance to people who need extra coverage or don’t have any coverage at all. They offer several different services, including cancer and critical illness. They offer supplemental insurance and they pay you if you ever need it. What I found most interesting is what they offered with cancer. It affects so many Americans that it seems like everyone knows of someone who has cancer. On their website, they mention that since 1990, 17 million new cancer cases have been diagnosed. What they are offering is to help with expenses for home care, transportation in an … Continue reading