(Reuters Health) - People who don’t understand how their health insurance works or how to estimate out-of-pocket costs are more likely to avoid needed care than those with a firm grasp of what services should cost, a U.S. study suggests. Researchers surveyed 506 insured adults to determine their “health insurance literacy,” or how much they know about which preventive services – such as vaccinations and cancer screenings - should be provided at no cost and which come with out-of-pocket fees like co-payments and deductibles. Researchers gave participants health insurance literacy scores ranging from 0 to 84, with lower scores indicating less familiarity with covered benefits and how much services cost. The average score was about 64. Each 12-point increase in scores was associated with a 39 percent lower likelihood that people would delay or skip preventive health services and a 29 percent lower chance that people would do this for other types of care, the … [Read more...] about Confusion about health insurance plans may lead to avoiding care
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It's time to think health insurance. There's a sentence many Americans will dread reading. Picking the right plan every year involves sifting through deductibles, provider networks and other arcane terms that can quickly scramble the brain. Don't worry, though, help is available. It just may be harder to find this fall. Here are some points to consider as you decide what coverage you need for 2019. START SOON The sign-up period for next year's individual health insurance coverage runs from Nov. 1 to Dec. 15 in most states. Don't delay. Picking a plan can initially involve several trips to websites like healthcare.gov just to understand options. Shoppers who want to stick with the same plan must scrutinize it for changes. That can take time that many people may not have in December as holidays and other year-end activities fill personal calendars. If you opt for assistance, remember that agents and other insurance experts will be helping others meet the deadline. Plan early to make sure … [Read more...] about Health insurance sign-ups begin: Some assistance recommended
By Lisa Schencker, Chicago Tribune Published 7:19 pm CDT, Saturday, October 20, 2018 Michael and Sarah Johnson of Carol Stream, Ill., take an after-dinner walk with their children, Titus, 4, Avianna, 8, and Isabelle, 2. The Johnsons are members of a health care sharing ministry. Michael and Sarah Johnson of Carol Stream, Ill., take an after-dinner walk with their children, Titus, 4, Avianna, 8, and Isabelle, 2. The Johnsons are members of a health care sharing ministry. Photo: Mark Black, MBR / TNS Photo: Mark Black, MBR / TNS Image 1 of / 1 Caption Close Image 1 of 1 Michael and Sarah Johnson of Carol Stream, Ill., take an after-dinner walk with their children, Titus, 4, Avianna, 8, and Isabelle, 2. The Johnsons are members of a health care sharing ministry. Michael and Sarah Johnson of Carol Stream, Ill., take an … [Read more...] about Frustrated with health insurance costs, some turn to religious plans: ‘For us it’s been a godsend’
Scott Muelrath, president and CEO of the Henderson Chamber of Commerce at Hilton Lake Las Vegas Resort , 1610 Lake Las Vegas Pkwy, in Henderson on Wednesday, March 18,2015. (Jeff Scheid/Las Vegas Review-Journal) Three local business associations have partnered with UnitedHealthcare to offer 10 insurance plans targeted at small businesses and sole proprietors. Despite criticism of the so-called association health plans available to small businesses or groups of 50 employees or members or less, brokers say the offerings aren’t just comparable to those sold on the exchanges created by the Affordable Care Act — in some cases, they’re better. Members of the Latin, Henderson and Boulder City chambers of commerce will be able to choose between 10 HMO, Preferred Provider Organization (PPO) and point-of service (POS) health plans when the next enrollment period begins on Sept. 1. The Las Vegas Metro Chamber of Commerce previously announced its intention to offer an association … [Read more...] about Clark County chambers offer ‘very decent’ health insurance plans
Over the last two decades, the cost of health insurance has gone up an average of 3.7 percent per year in Switzerland and people are well and truly fed up. Health insurance costs are a hot topic in Switzerland right now. Speak to anyone in the country about what concerns them most and they are likely to mention rising premiums. “It's two to midnight,” said Swiss price watchdog Stefan Meierhans recently, describing the current situation. Meanwhile the CEO of health insurance Santésuisse said the system was “gradually approaching collapse”. Because while almost everyone agrees Switzerland has fantastic healthcare, it comes at a high price. Healthcare costs in 2015 were equal to 12.1 percent of GDP, or second only to the United States, OECD figures show. It's same story for per capita spending: Switzerland is set to spend 10,500 francs per person for healthcare in 2018 this year, according to the KOF Swiss Economic Institute at Zurich's ETH … [Read more...] about How can health insurance in Switzerland be made cheaper?