Long Term Care and Health Reform
WASHINGTON (AP) -The Senate is expected to introduce a new long-term care health insurance program to help the elderly and medically disabled avoid nursing homes.  The legislation which is likely to be introduced by the Senate Majority Leader is supposed to offer a voluntary long term care program possibly tomorrow. The Community Living Assistance Services and Supports Act, or CLASS Act as it is called was one of Senator Kennedy’s most important issues.  This act is necessary in much the same way as Medicare became necessary as it will help alleviate the financial strain on the elderly. Of course the main gripers of the bill, the conservatives are likely to question

Cigna Makes People Angry
I personally have been selling the Cigna individual health insurance plans for about a year as they just came out.  I had always though of Cigna as a good company who could be trusted.  I mean their rates are incredibly low firstly, and secondly they pay their brokers (like me) very low commissions.  As an honest health insurance brokerage I prefer companies that pay lower commissions as it shows that the company values their clients more than new business, or the opportunity for new business. So when I read an article like this one, I get a little weirded out as I don’t want to be the guy that sells you the health insurance pla

Health Insurance Companies Already Cheating
The current bill as it stands now still has plenty of loopholes to guarantee the health insurance industry its profits are able to continue. For one, disclosures about the health insurance plans that help the public understand what their buying are still missing from the legislation.  In other words, its still very simple for the health insurance companies to hide important facts about their plans and policies. Another alarming fact is that the health plans would still be allowed to discourage the ill from applying and enrolling  if they operate outside the health insurance exchange.  Additionally, they would be allowed to limit the choice of medical providers and thus w

Health Reform Bill – Not All Its Cracked Out to Be
Many of our health insurance clients and prospects are happy enough to wait for the so called Health Care Reform Bill to spastically make its way through Congress, with the hope that as soon as it passes they will be able to piggy back onto the Public Option thus saving money on purchasing an individual health insurance plan. The fact is that only 1 out of 10 Americans will even be eligible for the plan, and even they will have to qualify.  Furthermore, the GAO only expects 6 million Americans total to qualify for the plan at the final count.  The insurance exchange as it exists in Massachusetts will not be available to most Americans as they will have to stay with their employe

ObamaCare Beginning to Cause Worries
Americans are beginning to doubt the economics and the effectiveness of the ObamaCare legislation and by all rights they should!  According to a new poll 43% oppose and 41% support it with the rest not knowing what we are even talking about because they are worried about how they are going to pay rent. And seemingly, the supporters of Obamacare are less enthusiastic than the opposers.  Worse, they are more vocal.  From the Dittoheads to the Crazy Christian right they are screaming bloody murder everyday. The latest survey was conducted by Stanford University with the nonprofit Robert Wood Johnson Foundation. Very surprising to me was the fact that the Opinion Poll