Health Maintenance Organizations...have been around since 1937.  Kaiser was the first in the U.S. and is
still around.  There are several kinds of HMOs with Kaiser being one of the most successful.
 

 

Staff Model HMOs  control costs the best by controlling the process.  This means they
are overseeing what doctor you can see and when you are approved to see a Specialist.  The ''gate keeper''
approach has been one of the biggest concerns of this type of HMO.

 

Other HMO plans have
been more like a traditional Point of Service Plan with the exception of your need to use the HMOs directory
of doctors.  There is no out of network coverage available.

 

With the increasing cost of
Health care, people are asking are the HMOs still doing the job they once did to better control cost.  All
insurance plans are going up in cost but some at different rates of increase.  Are HMOs holding the line
better?

 

This is debatable and hard to determine.  Health Savings plans and Health
Reimbursement Accounts are becoming somewhat more popular. There goal is to slow the rise in health care by
transferring some of the risk back to the employee. This has an initial savings that stays with the plan but
hasn't proven yet to slow the rate of increase.  More data is still needed.  

 

The one
thing that has become evident, however, is that when it is truly the employees money, they are more cafeful
about how and when their money is spent.  That is ultimately the whole
idea.

 

 

 

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For those looking for affordable health insurance, who are not a part of a group, individual
health insurance is available from several good brand name companies in Florida.  Blue Cross and Blue
Shield and Aetna to name two.

Why purchase individual health insurance?  Most people feel health
insurance is a necessity.  Many your men think they are invinable and often wait until they are married to
get covered.  At this age, insurance will never be more affordable.  These men can lock in their health by
selecting a good plan while they are healthy.

Check with one of our agents to see how affordable helath
insurance really is.  We offer a wide variety of deductibles and Health Savings Plans to fit almost any
budget. 

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           What is hidden in the over 1,000 pages of the current Health Care Reform
Bill?  Has anybody in Congress read it?  Is anybody in Congress going to read it beofore they vote for
it?

          As with the Stimulous Bill, reading the Bill was apparently optional.  Partisan
politics ruled the day when this Bill passed with flying colors.  Some regrets by many have surfaced as
Americans are asking why more money and why so little return on our hard earned
money?

          ObamaCare is riddled with gotchas.  A health Pannel of Govermenent
Beaurocrats may decide if your life is worth saving.  Your aging Mother may not be worth the money necessary
for that hip replacement.  This is already happening in Oregon with their State run health
system.

          Let's make sure we tell Congress to just say no to this Bill.  ''Real''
reform, not a complete revamping of a very good system would make much more sense.

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Obama and the Legislature seem to
think that by adding nearly 2 trillion dollars to health care they are going to save money.  The only way
they can do this is by reducing care.  Seemingly every committee in the House and Senate have had there go
of it.

 

Around and around they go,
but no one has a plan that saves money.  When asked about their health insurance and their care, over 90% of
Americans are very happy with what they have.  After all, what they have is choice, there own
choice.

 

We hear of people unable
to get coverage or preexisting issues with current Employer sponsored coverage.  In Florida, this has not
been an issue since Governor Chiles passed Small Group Reform.  These mandates are much simpler and more cost
effective that a total revamp of a system most are satisfied with.

 

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