Friday, April 14, 2006

New Health Insurance company in Florida

The first new fully-insured health plan available to employers and individuals statewide in more than five years has been approved by the State of Florida Office of Insurance Regulation (OIR) and is now available, announced the Company's co-founder and Chief Executive Officer Charles O'Neill. Florida based Avalon Healthcare, Inc. (Avalon) offers consumer driven health plans (CDHP) on a preferred provider organization (PPO) platform with the option to add Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs).

"There is a dynamic change taking place in the health insurance industry with the movement of healthcare plan designs away from first dollar coverage options like HMOs to consumer directed PPO plans with health savings options like HSAs attached," O'Neill said. "These plans will have a tremendous impact on how Florida employers and consumers purchase, use and manage healthcare for years to come."

Avalon Healthcare was founded by O'Neill and Drew Cassidy in August 2004 in anticipation of changes expected in health insurance products and as an answer to the diminishing competitive healthcare landscape in Florida. Within the past 10 years, a large number of health insurers have left Florida leaving only a few carrier options in the small group and individual healthcare markets.

Company facts

Tuesday, April 11, 2006

New college grads enter insurance maze


In the next month or so, college graduates will step on stage to pick up their degree--and frequently step off as another member of the uninsured.

The reason: Most health plans drop coverage for dependents once they are out of school. If you lack a job with benefits, you'll have to buy your own insurance.

"Young adults probably have the weakest connection to employer-based coverage," said Sara Collins of the Commonwealth Fund, a non-partisan foundation that focuses on health-care issues. "They're more likely to get jobs that are low wage, part time or with small businesses that can't offer insurance."

Individual insurance has its bonuses, mainly that it stays with you no matter what job you have.

But it can get confusing and expensive.

In Columbus, Ohio, for instance, a 25-year-old woman who opts for a $5,000 deductible would pay $40 a month, according to eHealthInsurance, an online marketplace for individual and family plans. For a $1,050 deductible, she'd pay $23 more.

But in other cities, the difference is far greater. The same woman would pay $35 a month for a $4,000 deductible in Los Angeles. For a $1,100 deductible, the premium catapults to $524 a month, in part because of less competition for certain types of plans in California.

"This shows that carriers will price insurance quite differently," said Emily Fox, a representative for eHealthInsurance.com. "You really need to do some homework and consider what you need and can afford."

One thing is clear: You shouldn't skip on health insurance altogether. Several studies have found that medical expenses are the leading cause of personal bankruptcy.

So to minimize the cost, especially with such other expenses as housing and student loan payments competing for your paycheck, consider these options.

-- Get a temporary policy

If you'll be without health insurance for only a few months, opt for high-deductible, short-term coverage. You often can become insured within one day and stay covered for up to 12 months.

And since it's a temporary policy, you don't need to pay for all-inclusive coverage.

Tuesday, April 04, 2006

Doctor shopping? How to find the best match

Photo of doctor examining patient's ear with otoscopeChanging doctors is an increasingly common fact of American life. Sometimes, you force the change—if you switch jobs, or insurance plans, for instance. Other times, the change is forced upon you—your doctor moves or retires.

Whatever the source, there is a lot you can do to smooth the transition and boost the chances of finding a doctor with whom you can forge a beneficial relationship, experts advise.

Finding a good doctor is good for your health. It increases the chances you'll get quality care and decreases the likelihood that you'll be hospitalized, research shows.

If you're like most people, you'll find a new doctor by first asking around.

"Most people find a doctor by getting a referral from a friend or relative," said Dr. Caroline Rudnick, an assistant clinical professor of family medicine at St. Louis University, and a family physician who often counts as her patients all members of a family. "Usually, they don't know anything about our background when they come to see us."

Get basic info
When doctor-shopping, experts suggest you start by checking your potential doctor's credentials. This is no time to be shy, Rudnick said. She encourages prospective patients to inquire about the doctor's medical training—where he or she went to medical school, did his or her residency.

You should also ask about the scope of their practice. Does the doctor care for patients of all ages? And if you have a chronic condition like diabetes, you should ask if the doctor has a lot of experience dealing with patients with the disease, Rudnick suggested.

At Blue Cross and Blue Shield of Florida, prospective members can find this information and much more right on our website by searching our online provider directory. We also offer members Physician Selection Advisor®, an online tool for helping you search for the doctor that’s right for you. The tool links to Hospital Advisor, another tool that provides vital information about the hospital(s) at which the doctor has admitting privileges.

"You should also feel free to ask about the mechanics of the practice," said Dr. Mary Frank, president of the American Academy of Family Physicians, and a family physician in Rohnert Park, Calif. For instance, you'll want to know what would happen if you get sick on a weekend, or who would cover the practice if your doctor is out of town.

Also, try to determine if your new doctor's philosophy about preventive health meshes with your own, experts advise. Ask about views on complementary and alternative medicine, for example, if that's important to you.

If you rely on acupuncture, for instance, and your new doctor doesn't see a role for it, you should probably keep looking for a new physician, Frank said.

Give basic info
Once you feel like you've found a good match, you should provide accurate, thorough information about yourself so your new doctor can care for you in the best way possible, Frank and Rudnick said.

Photo of immunization recordStart by covering four topics during your first visit:

  • your medical history
  • your family history
  • your lifestyle
  • medications you take

Knowing which health problems you've had in the past can help your new doctor assess your current health status and be on the lookout for potential problems, Rudnick said.

And learning about your family's medical history can also help your new doctor help you, Rudnick and Frank said. Certain diseases and conditions—cancer, diabetes, heart disease, mental illness, high blood pressure and high cholesterol, for instance—often run in families, Rudnick said.

Lifestyle factors can also have an enormous impact on your health and are another great source of information. Tell your new doctor if you exercise, smoke or drink alcohol, and whether you have a pet. Owning a pet, for instance, can mean the difference for some people between being sedentary and getting some exercise.

And instead of telling your new doctor which medications you're on, Rudnick advises that you bring prescription bottles so the physician can examine them. If you can't bring them to an appointment, make a list of the drugs, including dosages, she said.

Staying with a doctor is good for your health
Staying with the same doctor can also pay health benefits, Frank said. "A trust builds up," she said. "The patient feels comfortable talking to the physician."

And the physician feels comfortable doing a bit of gentle nagging, Frank added. For instance, she said, if she had a patient who smoked, she would encourage him to quit. "And every time I see him, I am going to say, 'What's going on with the smoking?'"

Research suggests that keeping the same physician is good for your health. In a study published last year in the Journal of Family Practice, researchers reviewed the results of 18 studies examining "continuity of care" and patients' outcomes.

They found that those patients who stayed with one doctor had better care, were less likely to be hospitalized or go to the emergency room, and were more satisfied with their care.

More information
To learn more about choosing a doctor, visit the American Academy of Family Physicians.

Wednesday, February 15, 2006

Publix to open health clinics


Publix Super Markets and The Little Clinic LLC have signed an exclusive agreement to open medical clinics within Publix stores. The first clinics will be located in the Atlanta, Miami, Orlando and Tampa markets in the first half of 2006.

"We are pleased to select The Little Clinic, a leading provider of convenient, walk-in clinics, to offer our Publix customers quality care," said Maria Brous director of media and community relations. "We admire The Little Clinic's focus on customer service and commitment to wellness programs."

The Little Clinic health care centers will be staffed by nurse practitioners who can write prescriptions, provide diagnosis and treatment of common ailments and minor injuries and offer wellness care like physicals, screenings and vaccinations. They will be open seven days a week and most services are expected to cost less than $50.

"We're delighted to work with Publix as we execute our strategy to significantly expand our presence inside well-recognized retail stores," said Bruce Peacock, CEO of The Little Clinic. "This agreement marks an important step in The Little Clinic's expansion plans throughout the United States. We share Publix's commitment to superior customer service and look forward to helping Publix further serve its customers as we install The Little Clinic health care centers in select Publix stores."

"The commitment by quality retailers is a very strong endorsement of this form of health care delivery for consumers who are demanding greater convenience and affordability," said Molly Ashby, founder and CEO of Solera Capital LLC, the majority owner of The Little Clinic. "We are especially pleased that Publix, a company recognized for innovation and superior customer experience, has selected The Little Clinic as its exclusive provider."

Friday, February 10, 2006

Quicken Medical Expense Manager


You’ve got a brand new hip. Or maybe a brand new baby.

Then comes the paperwork. As medical invoices and statements from doctors and insurance companies come rolling in, you struggle to keep up. Have I met my deductibles? Didn't I already pay this bill? What can I apply to my Flexible Spending Account? Do I have any tax write-offs?

When your mailbox starts bulging with medical bills, you really want to know one thing: How much do I owe?

Quicken Medical Expense Manager software is designed to help you organize even the heaviest loads of health care paperwork. If you're budgeting for yourself, a parent or a whole family, if you have a chronic condition or a child with allergies, Quicken Medical Expense Manager gives you the peace of mind that comes from paying only what you owe and getting the benefits you deserve.

Check it out at Quicken Medical