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Facts On Alabama Health Insurance

When it comes to health insurance, Alabama doesn’t really come to mind. The more popular association to Alabama, perhaps, is a Hollywood movie or two with the word Alabama in the title (and it does sound sweet). But heres one thing you should know about Alabama: its one state that is very particular about the healthcare of its citizens. In fact, the state governor even proposed to legislate tax breaks to small-time businesses that offer healthcare benefits to employees.

But Alabama is not really that much different from all the other states in the United States, and there are some facts that may be or less true for others.

* Prices are the same, always

It doesnt matter if youre getting your healthcare plan from the healthcare provider head office or from your insurance agent. Prices across health insurance plans (specific to healthcare providers) remain the same. Under certain law, insurance providers are not allowed to sell programs at prices much than the price offered by agents.

* Dont take it personally if your pre-existing condition is not covered

Like anywhere in the United States, health care insurance providers are not prohibited from excluding pre-existing conditions from their coverage. But of course, you can always qualify for guaranteed issue health insurance if you meet certain criteria.

* Employment at bigger companies is better

If you want to save on health insurance costs, then choose to be employed at a company with 25 or more employees. Under the Health Maintenance Organization Act of 1973, companies with 25 or more people on their payroll are required to offer healthcare benefits to their employees.

* More options for dental healthcare plans

For dental healthcare, there are actually three kinds of plans that you can choose from: the traditional dental HMO plans, dental PPO plans, and dental discount plans. These are available throughout Alabama.

HMO and PPO plans are the real insurance plans: you pay the premiums and then the insurance company pays for the dental healthcare provider. Dental discount plans are not insurance plans, you pay an annual fee so you can benefit from dental services at discounted rates (typically 50% to 60% of professional fees). The rest of the billed amount you will have to pay from out of your own pocket.

* There are many healthcare providers

When it comes to healthcare plans, keep in mind that there are many healthcare providers and that the Internet has made it all possible for practically anyone and everyone to get health insurance quotes in minutes. When choosing a healthcare plan, it’s best to keep these things in mind:

- Your Actual Real-life Needs (Are you single or trying to raise a family? Do you need to go to a doctor often?)

- What You Want (Will any doctor do for you? Do you prefer to keep your doctor?)

- Your Budget (How much can you set aside to pay for monthly premiums?)

The state of Alabama health insurance is most likely true elsewhere in the United States. So if youre reading this article from New Jersey, you can very well take those truths stated above like they were some pieces of good advice.

Tennessee Sen. Lamar Alexander released a statement this morning saying the Senate-approved health care bill is riddled with “sweetheart deals” that will increase taxes and damage education.

Fellow Republican, Sen. Bob Corker, said the bill is “fundamentally flawed” and called for bipartisanship.

The bill, approved on a 60-39 vote, must still be merged with legislation passed by the House.

“The Senate health bill will prove to be an historic mistake if this or anything like it is ultimately signed by the president,” said Alexander, who is chairman of the Senate Republican Conference.

“Congress set out to reduce health care costs to Americans and Democrats have managed to do the exact opposite. Their written-in-secret bill will increase health insurance premiums, raise taxes, cut Medicare and dump millions of Americans into Medicaid.

“For Tennessee, Medicaid’s expansion and the bill’s ‘sweetheart deals’ would cost our state more than $750 million over five years when fully implemented, forcing tax increases or damaging higher education—or both.

“Instead, we should start over and move step-by-step to reduce health care costs using the steps that Republicans have repeatedly proposed: let small businesses pool resources for health insurance; allow purchasing of health insurance across state lines; end junk lawsuits against doctors; eliminate waste, fraud, and abuse; expand health savings accounts; and promote wellness and prevention.”

Corker said in his statement, “I’ve spent almost three years and countless hours in bipartisan meetings working toward reforms that would enable all Americans to access affordable, private health insurance.

“I wanted a bipartisan health care reform bill that would stand the test of time. Instead, we were forced to vote on a 2,000-plus page, fundamentally flawed, partisan bill that expands Medicaid by sending $25 billion in unfunded mandates to states, takes $464 billion away from Medicare and leverages it to create a new entitlement, uses budget gimmickry to hide its true cost; increases federal costs, and actually causes Americans to face increased taxes and premiums.

“It’s my sincere hope that Congress returns in 2010 more willing to work in a bipartisan fashion, and my work on financial regulatory reform gives me hope that that’s possible.”

For people who want an easy way to lose weight, diet foods and diet pills seem to be the most appealing solutions.

Diet Foods

It is now extremely common to go to the supermarket and find foods and drinks available in its regular form and its “diet” counterpart. Foods and drinks that are called “diet” undergo modifications, typically decreasing the amount of certain substances present in the original versions. Usually, high-calorie components are substituted with low-calorie replacements. For example, whole grain foods use fiber, which contains no calories, as a replacement for starch.

Diet foods are usual components of a weight loss regimen, and are patronized most commonly by individuals who want to be thinner. These diet foods and drinks usually contain words such as “light”, “lite”, “low”, “no”, “zero” and “free”. Each of these terms has a specific amount of substances allowed in the product. For example, “light” or “lite” foods contain 1/3 less calories or 1/2 less fat compared to the original, and 50% less sodium content.

There was a lot of controversy regarding the use of various terms to describe diet foods. In January of the year 1993, the FDA and the Food Safety and Inspection Service qualified the use of these terms.

Diet foods and drinks will only work when consumed in the right amount. It is crucial that the individual understands how to adjust the diet and compute the calorie content of the food being eaten. Consciously replacing regular food with diet food can help the individual achieve a slow but generally steady weight loss.

Diet Pills

When conservative measures, such as diet and exercise, don’t work, people usually turn to medications. Researches have estimated that over $6 billion is spent every year on diet pills. A study in 1992 revealed that almost 22,000 individuals use prescription weight loss pills. Of this number, 10% used multiple drugs in order to induce weight loss.

There are many diet pills available in the market, a number of which require prescriptions from a licensed physician. Diet pills that can be bought over-the-counter are usually herbal supplements containing substances that are not regulated.

Diet pills provide quick and easy weight loss, with few side effects. Unlike diet foods, most diet pills should only be used for a short period of time. Longer administration can result in increased tolerance to the drug and serious side effects.

Diet pills are recommended for people who are obese and require rapid weight loss. Remember that using diet pills is not a substitute for a reasonable diet and exercise regimen. Diet pills should be used as an adjunct, helping the individual’s weight loss plan to kick off.

Combination Therapy

The combination of dietary therapy and drug therapy has been theorized to improve weight loss further. This is because the intake of weight loss pills actually promotes adherence of the individual to the diet regimen. Both diet foods and diet pills will work best when combined with healthy exercise and changes in habits and behavior.

To make your own body scrub, use slightly abrasive ingredients, such as ground coffee and cocoa, mixed with a bit of almond oil or shea butter. Scrub down the body using natural ingredients with beauty advice from an experienced clinical aesthetician in this free video on skin care.

Morbid obesity nearly doubles the risk of early death and is often accompanied by severe side effects such as type 2 diabetes, high blood pressure, and heart disease. Gastric Bypass can be an ideal solution. Join host David Granet, MD, as he talks with world-renowned expert, Alan Wittgrove, MD, Wittgrove Bariatric Center at Scripps Memorial Hospital, to learn more about this disease and treatment options. Known as the “father” of laparoscopic surgery, Dr. Wittgrove was the first in the world to perform this surgery. Series: “Health Matters” [8/2007] [Health and Medicine] [Show ID: 12317]

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This Week in Health Reform

Republican Scott Brown’s victory over Massachusetts Attorney General Martha Coakley (D) in the January 19 special election to fill the seat of the late Senator Edward Kennedy (D) might prove to be a game-changer for the health care reform debate. The loss of the 60th Democratic vote now robs Senate Democrats of a filibuster-proof majority. Last week, Democrats were rushing to wrap up a House/Senate agreement on the bill, likely due to reports that Coakley’s lead had diminished.

Congressional leaders are still aiming to have the controversial points in the health care reform bill settled as soon as possible, so they can send the compromised bill to the Congressional Budget Office (CBO) for scoring. The CBO will then need 12 days to analyze the legislation.

In addition to Senate Majority Leader Harry Reid (D-NV) and Speaker of the House, Nancy Pelosi (D-CA), lawmakers participating in the White House meetings include: House Majority Leader Steny Hoyer (D-MD), House Majority Whip James Clyburn (D-SC), House Energy and Commerce Committee Chairman Henry Waxman (D-CA), House Ways and Means Committee Chairman Charlie Rangel (D-NY), House Education and Labor Committee Chairman George Miller (D-CA), Assistant Senate Majority Leader Richard Durbin (D-IL), Senate Finance Committee Chairman Max Baucus (D-MT), Senate HELP Committee Chairman Tom Harkin (D-IA), and Senate Banking Committee Chairman Christopher Dodd (D-CT).

A main point of contention between the two houses of Congress pertained to the
40 percent excise tax on high-cost health insurance plans passed by the Senate. Since many labor union members would be affected by the tax on high-cost health insurance plans, the House of Representatives was not supportive of this provision in the Senate bill. Union leaders have also been included in key negotiations on this provision, and on January 14, signaled that they are ready to support the merged legislation with the compromised provision.

The main revenue source for the Senate’s health care reform bill (H.R. 3590) would be from an excise tax – beginning in 2013 – on employer-provided, high-cost health insurance plans costing more than $8,500 for individuals and $23,000 for a family. The reported compromise on the legislation now makes the tax kick-in on policies costing $8,900 for individuals and $24,000 for families. The tax threshold would still rise at inflation plus one percentage point, as is currently written in the Senate bill. Additionally, dental and vision benefits would be removed from the calculation of threshold costs, and plans offered by state and local governments, as well as plans covered by collective bargaining agreements, would be exempted from the excise tax until 2018. This would allow current agreements to expire and allow for negotiation of new contracts.

In an effort to make up the lack of revenue from the modification of the excise tax provision, leadership will have to come up with new funding to finance the merged bill. Some reports have mentioned that the pharmaceutical industry has agreed to provide more money than the $80 billion they have already negotiated with the White House. Medical device companies could also face additional fees. Portions of the main revenue source in the House bill – a Medicare payroll tax on wealthy U.S. residents – could be added as well.

On January 14, Richard Trumpka, president of the AFL-CIO, said, “Union leaders approached negotiations with the White House and congressional leaders with one overriding goal in mind – getting a bill signed into law.” Gerald McEntee, president of the American Federation of State, County and Municipal Employees (AFSCME), said, “We do like the way it’s shaping up, but it’s still not finished. We’ve got to see a final product.”

There also has been significant discussion – but no resolution so far – about the question of whether to establish a single national health insurance exchange or allow each state to operate its own exchange. Blue Cross and Blue Shield of Texas continues to support a state-based approach to exchanges.

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