Helping Consumers Choose Health Plans In Exchanges: Best Practice Recommendations

This is a re-post from Health Affairs published on their blog today 2/29/2012.  I thought it might be helpful to my readers.  I still have problems with the Patient Protection and Affordable Care Act (Obamacare), because it still is a third party healthcare delivery system and not quality healthcare controlled by you and your doctor. 

Until you take responsibility for your who healthcare and stop wanting someone else to pay for it, you will not have the control of your care or the cost.  Their are option available but you will need to we willing to do the research and ask the right questions.  

Here are a few ideas:

1)  Go with a high deductible no frills plan to cover the major problems.

2)  Pay cash of your regular Doctor visits, and other routine expenses.

3)  Look at accident plans that pay per accident.  Example NACD (National Association of Consumers Direct)

4)  Add a program that gives you PPO discounts for your Doctor and other routine expenses, (lab, Rx, vision, Dental, etc.

For more information on your options go to JE Health Care Solutions web site and if you have questions just contact us.  We Are Here To Help You To Take Control of Your Healthcare.

No Flu Yet? It's On Its Way

As I said in my last post here is another point of view about flu vaccine.  This is a re-post by Trisha Torrey, with About.com.  I am not trying to give you medical advice, but want to give you information so you can make your own informed decisions about your healthcare with your Doctor.  Please remember JE Health Care Solutions goal is to help you become an informed healthcare consumer. 

What Were They Thinking at Health Affairs

Re-Post of article by Linda Gorman for NCPA's Health Alert:

Health Affairs is a peer-reviewed journal, which is why it was surprising to see it publish a recent article on the Massachusetts health reform, by Long et al [gated, but with abstract]. Based on telephone surveys, the authors declare that RomneyCare “continued to fare well in 2010.” This is an important finding, as the authors consider RomneyCare “the template for the federal Affordable Care Act of 2010.”  Don't be fooled by this first paragraph quote, there are a lot of question concerning this report as you will see when you read it.

We will continue to try to bring you healthcare information here at JE Health Care Solutions Blog.  Our goal is to give you as much information and knowledge as possible.  We may not always agree with the with the information when we do a re-post, but you need different view points so you can make your on decisions about what is going on with healthcare in America.  This is why you need to subscribe to our e-mail updates.  you can do this by going to the subscribe by e-mail on the right side of our blog.

When Insurance Fails

Very good article that once again you need to be an educated buyer when it comes to the purchase of any insurance product.

  

When Insurance Fails

This is the reason JE Health Care Solutions was formed, we are here to help you become educated.  By offering our clients different affordable healthcare solutions we can give you the information to make informed decisions. 

 

Is the High Cost of Health Care Insurance Killing your Budget Part 5 "A Solution"

Today I want to offer a Solution to the problem of our Health Care Delivery System that we have today.  The short answer is to get out of the system.  So how do we do this?

In the first part of this series I gave you an example of what happens when you go to your doctor for a basic office visit.  His cash price is $100 for an office visit, but with health insurance he only gets the PPO Allowable of $50.  You pay part of the PPO Allowable with your co-pay and the insurance pays the other part. 

Now let’s look at the numbers:

Yearly cost with Health Care Insurance:

The National average cost for a family of 4 for health care insurance is now $800 to $1100 per month.  For the purpose of this example we will use the low end of $800 per month or $7200 per year.  The average family will go to their doctor 6 to 8 times per year.  If you pay a co-pay of $25 per visit and your family goes to the doctor 8 times a year that is another $200 per year.  So now you are at $7400 for the year.  Another words your are paying $7200 a year for the privilege of paying a $25 co-pay 6 to 8 times a year.  If this makes sense to you then I cannot help you, but if you are like me this does not make sense than continue reading because I am going to show you a solution.

A Solution:

Direct Concepts Healthcare offers a solution to the problem.  By putting you directly into the PPO network we remove the insurance company from the equation.  This way you and your doctor control your health care, not a third party that is more concerned with making a profit and controlling their cost than your health care, and not some Government panel that could care less about you or your family.

So how does this program work?  Direct Concepts uses two of the major PPO Networks, PHCS and Galaxy.   Let’s look at how this works with the numbers.

Yearly Cost With Direct Concepts Healthcare:

Direct Concepts Healthcare cost $88 dollars a month per family.  There are no limitations and pre-existing conditions do not matter.  That means you pay $1056 a year instead of $7200.  The program includes prescriptions, Dental, Vision, and much more.   When you go to the doctor with our program you would pay the PPO Allowable which in this case is $50.  That means once again it your family goes to the doctor 8 times a year you would pay $400 for the year.  That means our total would be $1456 for the year as compared to $7400 with traditional health insurance.   Direct Concepts work's the same way with Hospitals, with our patient advocates working on your behalf with the hospital to re-price your bill.  To give you an example one of our clients had to have knee surgery, His hospital bill was $10,588.26 the re-price under our plan was $1,750, a saving of 84%.   I can show several other examples but you can expect a 60 to 80% savings and some time more on hospital cost.  The point is you can have control and cost savings with our program.

If you want to learn more CLICK HERE and let us show you how you can have total control of your and your family’s health care at great savings.

I hope with this 5 part series I have helped you understand how the health care delivery system works and the problems it is causing for you and your family’s health care.

Who and What is JE Health Care Solutions

My name is Andy Edley and my wife's name is Jo Anne.  We are just regular folks who found ourselves, like so many other Americans, without jobs or health care insurance.

Jo Anne got laid off due to downsizing at the company she worked for.  She has worked as a bookkeeper for over 20 years.  The job market was dead and no one was hiring.  After almost 2 years of looking and applying for a position in her field, she decided to take the courses and get her Life and Health Insurance License here in Tennessee.  I got laid off from my job due to the company closing.  These were hard times for us but we kept looking for jobs.  We also had to find health care that we could afford. 

After Jo Anne got her license, we begin looking for ways to build her business as an Independent Agent. While doing this, we came across a company named Renco Direct.  It is an alternative health care program.  It is not insurance but an affordable alternative. This program allowed us to not only to have affordable health care but also a way to build a business.  I hope this blog will help people who find themselves in the same position that we were in.