Do You Have High Medical Bills?

High medical bills? Are you having trouble paying for your prescription drugs? Does the high medical billsreceptionist at your doctor’s office know you on a first name basis? Do you get Christmas cards from your hospital? Are high medical bills going unpaid because of deductibles, copay’s and coinsurance?

You can get a health insurance plan to cover your high medical bills.

 

Trouble Paying Prescription Drugs?

Many people, even those with “good” health insurance, have trouble paying for their medication. Rx deductibles, copay’s and coinsurance mean every time you fill a prescription you have to pay more.

Sometimes you don’t have any more and may decide to skip your much needed medication because you can’t afford it.

If you only had to pay for your prescription drugs one time and there was no charge after that for the rest of the year, would that help?

 

Are You Spending More Time at the Doctors Office?

Is your car on “autopilot” when it comes to seeing the doctor? Are you in the doctor’s office more than the grocery store?

Are doctor copay’s eating you alive?

Maybe you need a plan that makes it easier to budget your medical bills for the year. This is a health insurance policy that cap’s your out of pocket expenses at less than $1000 per year. Once you hit your out of pocket maximum you stop paying your high medical bills and the insurance carrier takes over.

No more surprise high medical bills.

How simple is that?

 

Does Your Hospital Have a Bed With Your Name On It?

Do nurses on the 4th floor know you on sight? Can you find the emergency room with your eyes closed? How about the radiology department or the infusion therapy clinic?

Infusion therapy can run $6,000 or more per treatment. Renal dialysis averages $3,000. At 3x per week that is $9,000 you are spending just to stay alive.

What if you had a health insurance plan where, for less than one drip session or dialysis treatment you could satisfy your out of pocket maximum for a year?

 

The “All In One” Health Insurance Plan

Georgia Insurance Shop has such a plan and it is available to anyone without regard to pre-existing medical conditions.

The plan is simple. No moving parts.

You pay the first $950 of your medical charges for the year. Your health insurance plan pays the rest.

How easy is that?

Shop and compare now by clicking this link. Instant quotes in 3 minutes or less. No hassle application can be completed in less than 5 minutes.

Stop wasting time at healthcare.flub.

Get real health insurance to pay your high medical bills.

Watching us Grow

If you are fat and looking for health insurance in Georgia you can expect to pay the price. We grow them big in Georgia, and the rest of the United States as well.

When you are overweight you run the risk of developing heart disease, many forms of cancer and diabetes.

This animated chart from the CDC shows how we have grown as a nation. It is not a pretty site.

Georgia Core Health is a limited benefit, guaranteed acceptance health insurance plan that is available for those who have been rejected for major medical due to morbid obesity.

New Resources for Georgia Health Insurance

We have updated two resource pages for those looking for information on health and dental insurance in Georgia.

Patient Charity has been a top ranked site for information on charitable programs for low income and uninsured in Georgia. For years it was a stand alone site but was incorporated into my primary site a few months ago. Since the first of the year we have added many more resources for the uninsured and uninsurable in Georgia.

We recently paired with COBRA Insurance to provide the number one resource for COBRA on the web. Their FAQ section has answers to more than 1800 COBRA related question and is indexed and fully searchable.  This inspired us to add our on FAQ section to Georgia Insurance Shop. (More on that later).

At Patient Charity you can find information on taxpayer funded government programs for the poor and uninsured including links to Georgia Peachcare for Kids.

Other points of interest on Patient Charity include:

Healthfinder, a site that points you to clinics that are either free or charge on a sliding scale.

Benefit Checkup where you can learn about government entitlement programs for the poor and aged.

Out of Pocket is one of our favorite sites to look up the cost of common medical procedures.

We just introduced a new Georgia Health Insurance Resource section with links and information specifically for Georgia residents. You can link to the GA DOI (Dept of Insurance) website and find answers to frequently asked questions as well as looking up information on licensed insurance agents. Is the person you are dealing with LICENSED to offer insurance in Georgia or are they just a shyster looking to peddle a sham product?

Many people have COBRA benefits that are expiring and their health prevents them from qualifying for major medical. In the Georgia Health Insurance Resource section you will find a link to the Georgia assignment application including details on plan options and rates. (More information is in our revised FAQ section).

Check out links to Atlanta Community Access Coalition, BRAVE Kids, Babies Can't Wait, Candlelighters Childrens Cancer Foundation, Georgia Cares, Parent to Parent and more.

We also have information on INSURED plans for those who cannot afford or qualify for traditional major medical insurance. Georgia Health Access is a  basic health insurance plan. No physical exam is required.

Pair Health Access with an Accident Insurance Plan for enhanced coverage such as well as dental and critical illness insurance.

We hope these additions and changes will prove beneficial to those looking for general information on health care as well those seeking quotes on affordable health insurance in Georgia.

Discount Medical Cards Sold in Georgia

Are any of the discount medical cards sold in Georgia with the price?

Some are. Some aren’t.

Sadly, many discount medical cards are sold under false pretense and sold to the wrong people. One example is a marketing firm operating out of Nashville.

United Benefits of America said it serves the uninsured by selling them bundles of benefits, such as prescription discount cards and limited coverage insurance. Some employees said they thought they’d be helping the uninsured but ended up quitting because they were disgusted at the practices.

At first these cards appeared on a stand alone basis. Many were sold by firms with a $100 non-refundable application fee and “premiums” as high as $179 per month.

You should NEVER pay an application fee for any insurance or discount plan.

The pitch given to potential customers is called TAFT.
“In the TAFT pitch, I was told to tell them any f***ing thing,” a former employee said
On hidden camera, a manager explained how to use TAFT to convince patients, many suffering from cancer and AIDS, of a deadline that doesn’t exist.
“TAFT is tell them any f***ing thing,” the manager said. “Tell them today’s the last day of open enrollment. We’ve only got so many approvals to get. That’s TAFT.”

Of course this approach is not just limited to discount cards. Some insurance agents will use the same tactics to peddle their policy then move on to the next victim.

There is nothing inherently wrong with discount cards as long as the buyer knows what they are getting and what they are not getting.

People who should never buy discount cards include those who have insurance already, but with a few exceptions. If you have major medical coverage you do not need a discount card. However you might want a discount card if your policy riders (excludes) certain medical conditions that can be costly.

Some examples would be, if your policy excludes maternity and you need/want to take advantage of pre-negotiated rates for maternity, a discount card is something to consider.

If your policy has ridered (excluded) treatment of pre-existing conditions such as high cholesterol, hypertension or asthma, you might want to take advantage of favorable pricing for medication and doctor visits under these plans. Keep in mind, if your policy has such riders, not only do these expenses fail to accumulate toward satisfying the deductible there are NO DISCOUNTS for treatment (including medication) for the ridered conditions.

We will occasionally suggest medical discount cards to clients who cannot qualify for major medical coverage and do not have access to an employer group health insurance plan. If you are covered under the Georgia assignment system, unless you have an HMO, you are not entitled to any network discounts so finding a good discount card is suggested.

We will look at some GOOD discount medical plans in a future blogpost. In the interim, if you are looking for affordable health insurance in Georgia and want a health insurance quote, Georgia Insurance Shop is your resource.

Georgia Health Insurance Assignment System

When COBRA expires what happens to your Georgia health insurance?

 

This post updated 11/17/2013 to reflect ACA – Obamacare changes.

As of 12/31/2013 the Georgia health insurance assignment system is going away. If you currently have health insurance through the GA assignment system that plan will be terminated on December 31, 2013.

Under ACA – Obamacare rules, you are now entitled to apply for health insurance without regard to any pre-existing conditions.

 

Obamacare Health Insurance Exchange

The Georgia health insurance exchange is run by the federal government. You may or may not qualify for a premium subsidy. What you need to know about the Georgia health insurance exchange;

  • Premium subsidies are only available to low income individuals
  • If you think you qualify for a subsidy, you must apply through healthcare.gov
  • Most exchange plans are HMO policies with limited doctor and hospital networks
  • In many areas your only exchange options are Blue Cross and Ambetter
  • Expanded options are available OFF the exchange.

 

After COBRA – Options Off the Obamacare Health Insurance Exchange

If you think you qualify for a premium subsidy, use the Kaiser health insurance exchange subsidy calculator to ESTIMATE your subsidy. Also review your OFF exchange options below the calculator.

If it appears you do not qualify for a subsidy, or the subsidy amount is not significant, you should consider buying Obamacare health insurance OFF the exchange.

If you currently have a family doctor, be aware that your doctor most likely will NOT be included in any Obamacare health insurance plans offered on the Georgia exchange.

Below are 4 carriers that offer coverage outside of the Georgia health insurance exchange. Feel free to check all four health insurance companies but we have found Humana to be extremely competitive in many areas. In some cases their plans are priced LESS than comparable plans found on the health insurance exchange.

For more information about NO HASSLE OFF exchange plans, follow this link to 2014 Obamacare health insurance plans.

 

 

Fat People Cause Global Warming

Here at Georgia Insurance Shop, we like to stay on top of the news. We know our readers probably missed this, so here goes.

Global warming is not caused by cars, factories or aerosol cans. It is caused by fat people.

“Moving about in a heavy body is like driving in a gas guzzler.”

Each fat person is said to be responsible for emitting a tonne more of climate-warming carbon dioxide per year than a thin one.

Define thin.

The scientists say providing extra grub for them to guzzle adds to carbon emissions that heat up the world, melting polar ice caps, raising sea levels and killing rain forests.

Sounds like the making of a good Randy Newman song. “Fat people got more body to love . . .”

A staggering 40 per cent of Americans are obese, among 300 million worldwide.

Obesity also contributes to almost two thirds of illness that could be prevented.

While the couch potato may be on the endangered list, you may want to know that we can usually find affordable health insurance for folks who are overweight. We also have a guaranteed acceptance health insurance plan for those who may not qualify for traditional major medical.

How Many Texans Does It Take to Fill the E.R.?

No, this is not a joke. Abuse of Emergency Rooms is a growing problem that cost's everyone. For many, the E.R. is their PCP (primary care physician).

In Texas the E.R. seems more like an old friend to some.

In the past six years, eight people from Austin and one from Luling racked up 2,678 emergency room visits in Central Texas, costing hospitals, taxpayers and others $3 million

Nine people, 2,678 E.R. visits, $3,000,000.

Who are these people?

All nine speak English; three are homeless; five are women whose average age is 40, and four are men whose average age is 50. Seven have a mental health diagnosis and eight have a drug abuse diagnosis.

That last statistic is significant. [Read more…]

Free Health Care! Really!

Want free health care?

No, this is not a joke. Truly free for uninsured and those who have lost their job.

Walgreens said patients who lose their job and health insurance after March 31 will be able to get free treatment at its in-store Take Care clinics for respiratory problems, allergies, infections and skin conditions, among other ailments. Typically those treatments cost $59 or more for patients with no insurance.

The charitable side of me says this is a great thing.

The cynic says, wonder how many folks will try to game the system and spoil it for everyone?

Hal Rosenbluth, chairman of the Take Care Health Systems division, described the plan as something close to an experiment: He said Walgreens isn’t sure of patient demand or how much providing the services might cost the company.

No doubt there is a cost that is being absorbed by Take Care. There is also the intangible good will from something like this.

You may recall Wal-Mart started the $4 generic thing and others have followed suit. This has been a win-win all around for consumer and the pharmacy’s offering discount generics.

Patients must present proof they are unemployed, including a federal or state unemployment determination letter and an unemployment check stub. They will have to sign a form at the clinic saying they have lost their jobs and health benefits. If they find a new job or get new health insurance, they will no longer be eligible for free care.

Spouses and children are also eligible for free services if they don’t have insurance of their own.

Medical lab operator Quest Diagnostics is participating in the program by offering free tests for step throat and urinary tract infections.

I think this is a good thing. I hope to see more companies take such a generous step.

Those who are uninsured in Georgia and looking for health insurance will be wise to check out our Resource page. Plans such as Georgia Core Health are low cost options for those who cannot qualify for traditional major medical. Georgia Core Health is a guaranteed acceptance plan . . . anyone qualifies.



Don't Eat the Spider

Little Miss Muffet sat on a tuffet eating her curds and whey. Along came a spider who sat down beside her and frightened Miss Muffet away.

We don't know what kind of spider spooked Miss Muffet but it probably wasn't a Brazilian Wandering Spider.

Banana's are good for you but don't eat the spider.

A Brazilian Wandering Spider was found on a stalk of banana's at Whole Foods in Tulsa, Oklahoma. Fortunately a worker spotted the spider and trapped it before it could do any harm.

The spider was given to University of Tulsa Animal Facilities director Terry Childs who said this type of spider kills more people than any other.

Childs said a bite will kill a person in about 25 minutes and while there is an antidote he doesn't know of any in the Tulsa area.

Most bite related trips to the Emergency Room in the U.S. are for dog bites, but they also get their share of insect bites. [Read more…]