Many
people who buy health insurance this fall may have to change them - as they may
not comply with President Obama's Health Care law. They along with some small
businesses will have to find replacement plans.
The
state officials are worried about the confusion that may abound. The Affordable
Care Act is going at a galloping pace even though many Republicans tried to
repeal.
Customer Care in Health Insurance Industry
Health Insurance Industry is a service-oriented industry with customer satisfaction and customer grievances being important components of its business operations. Both the issues - Customer satisfaction and Customer Grievances have been described in the article in co-relation with the health insurance sector.
Advertisement
The market places or health exchanges will be operational from October and mid segment people can buy their insurance and low income people will be covered under expanded Medicaid - if the state has the option.
Though
there are many bumps, which is to be expected this will be another added bump
in trying to cover almost 50 million uninsured people.
The President had promised that: "If you like your health care plan, you'll be able to keep your health care plan." Once consumers realize they are getting a superior coverage under the new law they won't mind the changes.
![Fraudulent Health Insurance Claims]( "Fraudulent Health Insurance Claims")
To educate the public regarding hazards of committing fraud in healthcare insurance claims and its implication on the economy.
Health and Human Services spokeswoman Joanne Peters released a prepared statement saying: "Beginning in October, individuals and small businesses will be able to shop for insurance in the marketplace, where we are already seeing that increased competition and transparency are leading to a range of options for quality, affordable plans."
About 14 million Americans presently purchase their health policies individually, a number expected to more than double eventually because of the new law's subsidies and one-stop insurance markets. But the transition may not be very smooth.
"The impending changes ... have the potential to cause policyholder confusion," said a recent memo from Iowa Insurance Commissioner Nick Gerhart to insurers. Though a Republican-led state, Iowa is helping to carry out major portions of the health care law.
In Washington state, the changes will affect more than 400,000 people, said Stephanie Marquis, spokeswoman for insurance commissioner Mike Kreidler. Marquis said she expects the premiums for replacement plans to be similar to current ones, but with better coverage.
"Your costs involve more than your premiums," Marquis explained. "It's also what you would have to pay out of pocket if you had actually used your health plan."
"You're going to be forcibly upgraded," said Bob Laszewski, a health care industry consultant. "It's like showing up at the airline counter and being told, 'You have no choice, $300 please. You're getting a first-class ticket, why are you complaining?'"
"If you like your health care plan, you'll be able to keep your health care plan, period," the president reassured the American Medical Association. "No one will take it away, no matter what."
At the time, some saw the promise as too broad, given that health plans are constantly being changed by the employers that sponsor them or by insurers directly.
State insurance spokeswoman Marquis said, "I don't think it is necessarily a bad thing that they are going to be getting a replacement notice, because they going to be able to go out and shop in this marketplace and they'll be getting better coverage."
References :
Hannah Punitha (IRDA Licence Number: 2710062)
Ricardo Alonso-Zaldivar, 30th May 2013
Source: Medindia
The President had promised that: "If you like your health care plan, you'll be able to keep your health care plan." Once consumers realize they are getting a superior coverage under the new law they won't mind the changes.
Fraudulent Health Insurance Claims
To educate the public regarding hazards of committing fraud in healthcare insurance claims and its implication on the economy.
Advertisement
Health and Human Services spokeswoman Joanne Peters released a prepared statement saying: "Beginning in October, individuals and small businesses will be able to shop for insurance in the marketplace, where we are already seeing that increased competition and transparency are leading to a range of options for quality, affordable plans."
About 14 million Americans presently purchase their health policies individually, a number expected to more than double eventually because of the new law's subsidies and one-stop insurance markets. But the transition may not be very smooth.
"The impending changes ... have the potential to cause policyholder confusion," said a recent memo from Iowa Insurance Commissioner Nick Gerhart to insurers. Though a Republican-led state, Iowa is helping to carry out major portions of the health care law.
In Washington state, the changes will affect more than 400,000 people, said Stephanie Marquis, spokeswoman for insurance commissioner Mike Kreidler. Marquis said she expects the premiums for replacement plans to be similar to current ones, but with better coverage.
"Your costs involve more than your premiums," Marquis explained. "It's also what you would have to pay out of pocket if you had actually used your health plan."
"You're going to be forcibly upgraded," said Bob Laszewski, a health care industry consultant. "It's like showing up at the airline counter and being told, 'You have no choice, $300 please. You're getting a first-class ticket, why are you complaining?'"
"If you like your health care plan, you'll be able to keep your health care plan, period," the president reassured the American Medical Association. "No one will take it away, no matter what."
At the time, some saw the promise as too broad, given that health plans are constantly being changed by the employers that sponsor them or by insurers directly.
State insurance spokeswoman Marquis said, "I don't think it is necessarily a bad thing that they are going to be getting a replacement notice, because they going to be able to go out and shop in this marketplace and they'll be getting better coverage."
References :
Hannah Punitha (IRDA Licence Number: 2710062)
Ricardo Alonso-Zaldivar, 30th May 2013
Source: Medindia
Health Insurance - Basics
Health insurance guarantees payments to a person in the event of sickness or injury.and works as protection scheme
Advertisement
 Health Insurance For Pre-Existing ConditionsMany people worry about getting health insurance plans for pre-existing conditions and they believe that if they are suffering from a medical condition, they will simply be denied insurance coverage. | Advertisement
|
Advertisement
Recommended Reading
Latest Health Insurance News
Many states in the United States face shortfall in access to mental health treatment, increasing reimbursement rates for behavioral health services in Medicaid.
Medicare beneficiaries face challenges when accessing contraceptive or birth control care, especially long-acting birth control methods.
Medicaid expansion improves access to care and addresses health gaps in the 11 states that have opted against Medicaid expansion.
: Is Medicare beneficiary to oral health? Following enrollment, traditional Medicare and Advantage beneficiaries used fewer dental services.
A third of women with pregnancy coverage through Medicaid — are uninsured before or after pregnancy, says study.