Medical Insurance news, November 2019

Azerbaijan sets amount of insurance premiums on compulsory medical insurance

29 November

One percent of the amount up to 8,000 manat from the wage fund in 2020, two percent from 2021 for the insurers not involved in the oil and gas sector and employed in the private sector by using a coefficient of 0.5 percent to a part exceeding 8,000 manat of an employee's salary;.

One percent of the amount up to 8,000 manat of a salary in 2020, two percent from 2021 for the insured people not involved in the oil and gas sector and employed in the private sector by using a coefficient of 0.5 percent to a part exceeding 8,000 manat of an employee's salary;.

Two percent of the amount up to 8,000 manat from the wage fund for the insurers involved in the oil and gas sector and employed in the public sector by using a coefficient of 0.5 percent to a part exceeding 8,000 manat;.

Two percent of the amount up to 8,000 manat of the salary for the insured people involved in the oil and gas sector and employed in the public sector by using a coefficient of 0.5 percent to the part exceeding 8,000 manat of the employee's salary.

Of this law have been set in the amount of 90 manat per person annually, and for the insured people envisaged by article 15-2.3.4 - four percent of the minimum monthly wage.

The premiums for the insured people have been set at two percent of the part of income up to 8,000 manat and one percent of the part of income exceeding 8,000 manat.

From 2023 the insurance premiums for the insured people have been set at 48 percent of the minimum wage.

Read the full story at Trend News Agency

Senang & Maideasy Provide Medical Insurance To Cleaners At RM1/Day

28 November

In collaboration with maid-booking platform Maideasy, Senang is providing cleaners with daily on-demand personal accident insurance as high as RM2,500 for the cost of only RM1 per day.

Their cleaning insurance has been protecting Maideasy's cleaners from the accidental damage of items while on the job.

"The idea to offer on-demand personal accident insurance was formed during a normal coffee discussion where we both realised that there was a big gap of protection in case cleaners had medical expenses," Sharian revealed.

With Senang's API integrated into Maideasy's platform, the on-demand medical insurance is issued automatically to all active cleaners.

In a planned Phase 2, Senang will look into introducing income replacement insurance in the case of hospitalisation.

On Senang's part, they work closely with insurers to eliminate unnecessary questions and streamline the insurance buying process.

Sharian might be referring to numbers shared by the finance ministry, where Great Eastern, the insurance giant, paid out just over RM1 million out of the RM400 million committed by the government, as of July 22, 2019.

Read the full story at Vulcan Post

70 new drugs to be included in China's national medical insurance catalog

28 November

A total of 70 new drugs will be included in China's national medical insurance catalog with their prices slashed by 60.7 percent on average.

Eight domestically-produced drugs that are seen as "Major innovations" and have just hit the market in recent years are among the new additions.

Some 22 anti-cancer drugs, seven drugs for rare diseases, 14 for chronic diseases and four for children will be included in the catalog, and the prices of three new drugs for hepatitis C will be reduced by an average of 85 percent.

Read the full story at XinhuaNet

Where is My Hearing Plan?

27 November

My need for a hearing plan has become more urgent when I learned about the Lancet Commission's report on dementia, which found that, among the 35 percent of potentially modifiable dementia risk factors, hearing loss contributed to the largest nine percentage points, more than early education, smoking, depression, physical inactivity, social isolation and hypertension, and diabetes and obesity).

At the time of writing, I discovered a hidden hearing aid plan in my overall health benefit package: I am entitled to a pair of hearing aids costing up to $2,000 every 36 months.

This limited hearing aid benefit, which many of us don't know while most don't have, is still far away from a comprehensive hearing plan that can not only adequately compensate for hearing loss but also minimize future mental health risks.

Both the invisibility and slow progression decrease the awareness of hearing loss, masking the need for a hearing plan.

How can we get a hearing plan? We could use legislative help to establish audiologists' professional independence, which is happening with the recent passing of the Medicare Audiologist Access and Services Act of 2019 and the Medicare Hearing Act of 2019.

The packaged service can be an independent hearing plan that is similar to existing dental and vision plans, or better yet, an integrated hearing plan that is part of the general medical coverage, including Medicare.

Most importantly, we need to get rid of the middle salesperson mentality by treating hearing aids and technology as a tool, rather than a money-making machine, because affordable smart technologies, from automatic hearing tests to self-fitting hearing aids and multifunctional hearables, will replace or even improve many aspects of today's audiological businesses and services.

Read the full story at The Hearing Journal

Paramus NJ man pleads guilty to cheating medical insurance companies

26 November

A Paramus man who previously owned a pharmacy in West New York admitted in federal court to cheating medical insurance companies out of millions of dollars and bribing a psychiatrist, authorities said.

Eduard Shtindler, 36, pleaded guilty in federal court in Trenton to conspiracy to commit health care fraud and paying illegal bribes, U.S. Attorney Craig Carpenito said in a statement.

Empire Pharmacy, which opened in 2012 and was owned by Shtindler, had enticed doctors to use the business to get their medications by promising to "Receive prior authorization approval more successfully than any other pharmacies," federal prosecutors said.

Shtindler then told Empire employees to falsify prior authorization forms for the "Expensive specialty medication" used to treat certain conditions, such as psoriasis and hepatitis C.State court upholds Paramus zoning board decision to reject multifamily development.

Shtindler and his pharmacy received about $2 million in illegitimate reimbursement payments from medical insurance carriers, federal prosecutors said.

Shtindler was caught in a recorded phone call admitting to the practice of falsifying prior authorization, federal prosecutors said.

Read the full story at northejersey.com

Federal court ruling on ACA could imperil preexisting condition coverage. A Chester County man with a $35,000 hospital bill knows what that means.

26 November

The situation became even more dire months later, when the bills for tests and scans during his nearly weeklong hospital stay came and his insurance plan refused to pay, leaving him with $35,000 in medical debt.

Once a common practice, denying coverage for preexisting conditions, or medical issues that existed before enrollment, by major medical plans was banned under the Affordable Care Act.

A lawsuit seeking to overturn the ACA would, among other things, eliminate preexisting condition protections for people who buy individual health plans and weaken protections for the nearly half of people who get insurance through an employer.

LaFrance didn't realize some health plans could deny coverage for preexisting conditions and had no idea he'd bought such a plan.

LaFrance's plan defined a preexisting condition as one for which a customer received care within 24 months of enrolling in the policy or that caused symptoms that an "Ordinarily prudent" person would have gotten checked out in the last 12 months, according to the June 2017 denial letter he received.

The lawsuit, brought by Texas and a group of Republican attorneys general, seeks to overturn the ACA, including its requirement that individual health plans cover preexisting conditions.

Employer health plans covered preexisting conditions but were often allowed to delay coverage for several months after an employee changed jobs, and could cap the amount they'd spend on certain medical issues.

Read the full story at The Philadelphia Inquirer

Kerala hospitals and insurance firms: Consumer forum lashes out at 'unholy alliance'

22 November

The consumer disputes redressal forum, Ernakulam, came down heavily on the 'unholy alliance' between hospitals and medical insurance companies to deny legitimate claims of consumers for reimbursement of hospital bills covered by valid insurance policies.

Pointing out that instances of unjustified repudiation of insurance claim has been increasing, the forum headed by Cherian K Kuriakose noted, "...from proved evidence, a doctor who belongs to the noble profession has become a prey at the hands of dishonest employees of corporates, by stage-managing a per se forged document, presumably with dishonest intention to gain undeserved enrichment at the cost of denying a genuine claim of the complainant." The forum was hearing the case of an 11-year-old boy, who had undergone treatment at a private hospital in the city in 2014 for acute bronchial asthma.

The boy's father paid the amount and then submitted documents to the insurance company for settlement.

The forum said the doctor had issued the medical certificate detrimental to the patient without referring to his previous history, purely based on hearsay information and without supporting documents.

The forum has referred the matter to the Travancore Cochin Medical Council for taking action against the erring doctor.

The insurance firm has been directed to reconsider the claim application within a month.

The forum said the complainant was entitled to get Rs 1 lakh towards the mental agony and uncertainty in a genuine claim.

Read the full story at The Times of India

Seniors declaring bankruptcy at alarming rate

22 November

Senior citizens are declaring bankruptcy at a rate that is more than double 25 years ago, according to the latest statistics.

In 1991 elders made up only 2% of all bankruptcy claims while currently they make up 12%. In a recent study, "Graying of U.S. Bankruptcy," a group of professors looked at the main reasons why this is occurring.

Paying for a supplemental policy to cover what Medicare doesn't pay is out of reach for many seniors.

The median senior bankruptcy filer enters has a negative wealth of -$17,390, according to Deborah Thorne from the University of Idaho, one of the authors of the "Graying of U.S. Bankruptcy" "If current bankruptcy trends among seniors continue," she says, "Our bankruptcy courts will be flooded with financially broken retirees." This is not a generation seeking an easy out! Most of these seniors are ashamed to file for bankruptcy.

The Federal Reserve's Survey of Consumer Finances says that 60% of senior households had debt in 2016 and 29% of seniors owed money on mortgages or other household debt.

The rising cost of health care is simply unsustainable and affects everyone, not just seniors.

66.5% of all bankruptcies are tied primarily to the high cost of medical care.

Read the full story at The Gainsville Sun

MTN Rwanda to pay Rwf1.3bn towards medical insurance scheme

21 November

MTN Rwanda has become the first telecom in Rwanda to comply with the new legislation regarding the financing of the Community Based Health Insurance through contributing 2.5 per cent of their turnover to subsidise the scheme.

Through the law, the telecom companies will contribute 2.5 per cent of their annual turnover towards Mutuelle de Sante for the first two years, before it increases to 3 per cent.

Mitwa Ng'ambi, CEO of MTN Rwanda said the collaboration with RSSB will contribute to the betterment of health care in Rwanda.

Besides being the first telecom to respond to the order, according to the MTN Rwanda CEO, through its Corporate Social Responsibility policy, the firm has just this year, contributed Rwf 50 million to the health system in the country.

Through the 2.5 per cent levy, the firm predicts a contribution of about Rwf 3 billion during next year.

The government will also add Rwf 6 billion into Mutuelle de Sante through direct budget funding.

"There is a study that is being carried out that will inform us about the available financing alternatives because every year the money that we spend on Mutuelle de Santé increases as health care services are brought closer to people," he said.

Read the full story at The New Times

Kazakh PM reviews pilot project launching medical insurance

21 November

Kazakh Prime Minister Askar Mamin reviewed the results of the pilot implementation of Mandatory Social Medical Insurance in Karaganda Region Nov. 18, according to his office.

The extensive information systems of Karaganda's medical organisations and the available resources for their improvement was part of the reason the region was chosen for the pilot programme.

With the experience of launching the pilot, "Akimats need to bring their medical information systems' readiness indicator to 100 percent by the end of the year. The current one is 89 percent. In addition, it is necessary to raise awareness among the population using practical cases and ensure that all medical personnel pass a knowledge assessment," said Minister of Healthcare Yelzhan Birtanov, the prime minister's website reports.

A three-level medical care system, including a new model of the Guaranteed Volume of Free Medical Care and the MSMI package, will commence Jan. 1.

The second level is the MSMI package for the insured population, which ensures the availability of medical care beyond the GVFMC. The third level is medical services that are not included in the GVFMC or MSMI packages, which patients will have to pay for or use voluntary health insurance to pay for.

The government continues to provide the population with basic medical services such as preventive vaccinations and medical examinations, patronage, pregnancy management and access to emergency care.

The nation's health budget in 2020 will be approximately 1.5 trillion tenge, including more than 500 billion tenge for the MSMI. Financing of priority medical care types based on population needs will increase, including medical rehabilitation, the budget for which will increase seven times next year and up to 11 times by 2025.

Read the full story at Astana Times

Why Aren't Dental Benefits Typically Included With Health Insurance?

21 November

"It was actually not insurance companies that brought health insurance to the market in the U.S., but rather hospitals and physicians themselves," explained Melissa Thomasson, an economics professor at Miami University in Ohio.

Health insurance in America evolved with dentists on the outside looking in.

It's not just historical precedent that keeps most dental insurance separate in 2019.

For most health insurance plans, the buyer pays a significant portion of their basic care out of pocket, until they hit some deductible, at which point the insurance company covers the rest.

"It is not serious insurance where there's all this risk being born by the insurance provider," said Powell.

He said, is that if dental coverage was simply included in your health insurance, the overall cost of all the insurance would be considerably higher.

That's about double the number of people who lacked health insurance.

Read the full story at WGBH

Medicare for More? What Happens If You Can Buy In at 50

19 November

A new study looks at what happens if younger people can buy into Medicare.

While premium costs for the people who buy into Medicare would go down, premiums for those remaining on the insurance marketplace would go up.

For years, politicians have been floating Medicare buy-in proposals that would allow adults between the ages of 50 and 64 years old to opt into Medicare.

When the authors of the study modeled a Medicare buy-in program for adults aged 50 to 64, they found it would reduce healthcare spending for adults who bought into it.

The specific buy-in scenario that Eibner and colleagues studied would allow adults ages 50 to 64 to buy into Medicare while applying any advance premium tax credits and cost-sharing reduction subsidies that they're currently eligible for.

Among 60-year-olds, the average annual cost of premiums fell from $13,512 to $9,747 for those who moved from bronze-level individual market plans to the Medicare buy-in plan.

Among 50-year-olds, the average annual cost of premiums increased slightly from $9,208 to $9,747 for those who moved from bronze-level individual market plans to the Medicare buy-in plan.

Read the full story at HealthLine

Chief Minister's health insurance scheme in Tamil Nadu to cover mental illnesses too

19 November

The Chief Minister's Comprehensive Health Insurance Scheme is all set to cover mental illnesses.

The move to bring mental health under CMCHIS comes after the integration, as PMJAY has a package covering a list of mental illnesses including schizophrenia and mental retardation, according to officials.

The Mental Healthcare Act 2017 laid down the need to extend insurance cover for treatment of mental illness as part of right to equality and non-discrimination: "Every insurer shall make provision for medical insurance for treatment of mental illness on the same basis as is available for treatment of physical illness".

"Right now, we do not have much experience in managing psychiatric disorders. So, to start with, the insurance cover will be reserved to government institutions for in-patient admissions. We will try this for a year, and based on how it works, we will decide on extending it to the private sector," he said.

As per the AB-PMJAY, the following conditions are covered in packages: organic, including symptomatic, mental disorders; mental and behavioural disorders due to psychoactive substance use; schizophrenia, schizotypal and delusional disorders; mood disorders; neurotic, stress-related and somatoform disorders, behavioural syndromes associated with physiological disturbance and physical factors, and mental retardation.

"It is good that mental health is being given equal importance like physical health. Covering therapies such as electro convulsive therapy and transcranial magnetic stimulation will be beneficial," a psychiatrist in a government hospital said.

"Many private insurers do not cover mental health disorders. This is a proactive step from the government to make mental illness and mental disorders less stigmatising," she said,.

Read the full story at The Hindu

Cashless patients sick of delays as insurance firms, hospitals haggle

18 November

Can one afford to wait, as hospitals and insurance companies haggle before authorising payment? Or does one pay upfront for the treatment required? Insurers also have a long history of rejecting cashless policies.

The fate of about 48.2 crore people with health insurance in India could be impacted as hospitals decide to take insurance companies to court over cashless claims and the decision by the insurance industry as a whole to fix rack rates for medical procedures.

An interim order by the court in July, forced GIPSA - the association of public-sector general insurers, National Insurance, Oriental Insurance, New India Assurance and United India Insurance - to honour cashless claims by all hospitals.

Hospitals now allege that patients face harassment and are unable to avail of the benefits of complicated and advanced technical procedures because insurance companies are forcing hospitals to cut corners.

As insurers and hospitals battle it out in court, what happens to policyholders and patients? They could face the same plight patients did in Karnataka in April - when they were told to arrange, at short notice, sums ranging from `10 lakh to `25 lakh as hospitals stopped honouring cashless policies.

A journalist, whose father was in and out of hospitals for cancer treatment, had a choice: Fight endless battles with the hospital and insurance company over a cashless policy or pay up front.

"Hospitals reject cashless policies and force patients to pay in full up front and claim reimbursement later. Insurers, knowing hospitals are overcharging, can only partially settle a claim." Insurers and policyholders say a regulator for private hospitals could resolve the vexed issue.

Read the full story at The Times of India

Danbury Hospital is Connecticut's Most Litigious: Report

18 November

In 2016, nearly half of the total medical debt cases filed in Connecticut originated in Danbury Hospital's collections department.

A new analysis from a UConn Health researcher shows just how relentless Danbury Hospital has been in its pursuit of deadbeat patients.

In 2016, the latest year when complete data is available, nearly half of the 13,824 total medical debt cases filed in Connecticut originated in Danbury's collections department.

That's a big jump up from 2015, when Danbury filed 39 percent of the total 11,747 cases.

Danbury Hospital refers account balances of under $4,999 to a collection agency after issuing a final notice to the debtor, according to the Hartford Business Journal.

Connecticut hospitals and other healthcare providers had filed more than 85,000 collection lawsuits between 2011 and late 2016, according to a report published by Villagra in June.

Villagra delivered his latest findings this year to the High Deductible Health Plan Task Force, which was convened by the state legislature to study how medical insurance plans with high deductibles are affecting patients in Connecticut.

Read the full story at Patch

Insurance firm fined for rejecting medical claim

18 November

The district consumer disputes redressal forum has directed an insurance company to pay Rs 54,389 as medical insurance claim and Rs 10,000 as compensation for arbitrarily rejecting the claim.

Hira Lal, a resident of Putlighar, had filed a complaint against ICICI Lombard General Insurance Company Ltd stating that he had purchased a medical insurance for his family from the opposite party.

The opposite party stated in its reply that it had appointed an official who investigated the case and came to the conclusion that the claim of the complainant was based on false facts and had recommended repudiation of the claim.

No specific reason was given by the opposite party for rejecting the claim, it stated.

The forum further observed that it was shocking to see that in the said letter in the column of reason and remarks, the firm had simply typed a standard exclusion clause only and despite having received many emails from the complainant, it never disclosed the reason for the rejection of the insurance claim.

The opposite party failed to prove its allegations to justify its impugned repudiation through some cogent evidence necessary to be produced during the present proceedings and as such these amount to bald statements, the forum stated.

It stated that when the hospitalisation of the complainant's son was proved from the discharge card issued by the hospital, in that case a self incriminating statement of the complainant's son cannot be made the sole basis for arbitrarily rejecting his genuine claim.

Read the full story at The Tribune

Is Blockchain-powered Medicine Just What the Doctor Ordered?

16 November

Many medical professionals still want to keep blockchain at arm's length.

Dr. Kho, as his title would suggest, is not your average South Korean blockchain guru.

Perhaps the ability to rub shoulders with both medical professionals and technical specialists has given Kho and Lee something of a headstart in this most nascent of blockchain niches.

Blockchain-powered medicine is still in its infancy, but MediBloc has already made a name for itself, both domestically and internationally - with partners such as Samsung, major South Korean hospitals and government bodies, as well as hospitals in China and the United States.

Insurance companies using blockchain platforms could end up paying commission to tech providers, helping them do away with documentation and ensuring claims are transparent and above-board.

Waiting until 2022-2023 to see if crypto policy barriers come down may sound remarkably optimistic, especially when some analysts are claiming that the South Korean market is already "Dead." But Kho is not the only blockchain professional in South Korea who thinks a gradual softening in policy is inevitable.

As far as Kho is concerned, blockchain is the only viable route for modern medicine.

Read the full story at CryptoNews

BYU-I students on Medicaid now have to purchase a student health care plan in addition to Medicaid

16 November

Students on the eastern side of the state are outraged after learning BYU-Idaho no longer accepts Medicaid.

Students at BYU-Idaho are required to have medical insurance with coverage in the Rexburg area in order to attend the university.

To fulfill that requirement, students either have to purchase BYU-I's student health plan or provide proof of insurance through their own provider, but Medicaid is no longer accepted, and students say BYU-I didn't tell them about this change.

"I feel like it's more professional to be, to make students aware that they're not going to be accepting these things like long before they're trying to go register for classes," said Cameron Doyle, a student at BYU-I. BYU-I's health care plans run $536 per person per semester, or $2,130 per family per semester.

Idahoans passed Medicaid expansion with over 60 percent of voter approval last election, but whether or not this decision came as a result of Medicaid expansion passing is also unknown.

BYU, which is located in Provo, Utah, tweeted that it does still accept Medicaid as a substitute for its student health care plans.

BYU-I students started a petition to bring back Medicaid acceptance at the school.

Read the full story at KIVI TV

China specifies 24 goals of medical reform

16 November

China has made clear 24 goals in medical reform, according to a circular recently issued by the State Council's health reform leading group.

The 24 goals mainly involve seven aspects, including strengthening the organizational leadership of medical reform, stepping up reform on procurement of medicine and medical consumables and revising the price of medical service dynamically and in a timely manner, according to the document.

It called for promoting the experience of medical reform in eastern China's Fujian Province and its city of Sanming, which coordinates medical service, medical insurance and pharmaceutical reforms.

The circular called on all provincial regions to make work plans for deepening medical reform and promoting the experience of Fujian and Sanming while taking into account of local conditions.

Read the full story at XinhuaNet

Noyo Wants To Become The API Layer For Health Insurance

15 November

Noyo is intriguing because if its manages to situate itself in the middle of the American health insurance market it could become a hugely wealthy, if largely invisible, technology company.

To understand how far along Noyo is, and how it came to be we have to rewind the clock and visit a different company.

According to Goggin, Noyo's CEO, Zenefits was "An insurance broker, as well as a benefits software platform," making it a software company that had to work with antiquated systems.

Goggin, a product manager at the company, helped brokers and clients "Shop for and explore their insurance options," along with assisting customers secure price quotes from partnered insurance carriers, enrolling individuals, and managing those policies.

Noyo's customers pay on a "Volume basis" according to Goggin, who went on to tell Crunchbase News that her company charges "On the number of people policies that we're managing." So, as one partner or customer's usage of Noyo goes up over time, the startup should see rising revenue from that account.

Like many companies that build APIs, linking together data from various third-parties, Noyo is bullish on what can be built on top of its budding infrastructure.

Noyo wants its service to become a platform upon which other companies can build, but it doesn't want to write all the apps.

Read the full story at CrunchBase

There's more than just energy nudging inflation higher in October

15 November

Rising consumer prices in October were largely driven by energy prices, but two other health-related inflation factors may bear watching in the future.

On Wednesday, the Labor Department reported that the consumer price index logged a 0.4% gain last month, with core prices up 0.2%. Yet underneath the numbers, the inexorable rise of health care costs - such as a 1.4% pop in hospital visits and a 1% rise in prescription drugs - also placed upward pressure on prices, according to analysts.

The October figures showed that health insurance - which is based on retained earnings of health insurers, not price changes in premiums - also saw an increase.

"Health insurance is increasing vastly faster...and that's kind of weird in that we don't see that rate of increase in other medical insurance numbers," the analyst said.

"From the employer cost index, it doesn't have medical costs or health cost numbers that quickly."

In the past 12 months, health insurance has surged at an annual rate of 20%. That eye-popping figure is largely due to a technical change by the Labor Department in how they record price changes, with the new method addressing criticism that the figures didn't capture a full-enough picture of health inflation.

"It's hard to get a good gauge of health care prices, because so much of this is done behind closed doors," the analyst said.

Read the full story at Yahoo

'I live on the street now': how Americans fall into medical bankruptcy

14 November

LeClair is on the verge of having to file for bankruptcy a second time due to the mounting medical debt she has accrued for additional cancer-related surgeries, regular appointments, medications and supplies related to her recovery, despite having health insurance and paying as much as she can out of pocket for copays, deductibles and premiums to maintain insurance.

"A lot of people, a little over 60%, are filing bankruptcy at least in part because of medical bills. Most of them are insured. It's clear that despite health insurance, there are many, many people incurring costs not being covered by their insurance," said Himmelstein.

One out of every six Americans has an unpaid medical bill on their credit report, amounting to $81bn in debt nationwide, while about one in 12 Americans went without any medical insurance throughout 2018.

Even as many Americans struggle to afford health insurance coverage in the first place, those that have it are not insulated from facing massive debt due to medical bills.

"I have amassed over $400,000 in medical bills I need to pay, and still have at least six months before I get a disability hearing. So I owe over $400,000 in medical bills, have lost my house and I live on the street now, with no end in sight," he said.

Just outside of Chicago, Illinois, Jessica Hillman filed for bankruptcy in 2016 due to medical debt accrued from battling a seizure disorder, despite having health insurance coverage for the majority of her treatment.

"I had thousands of dollars in various medical debt which made the majority of my claim. The last bill I got that really pushed me toward the bankruptcy was for a routine lab test that my insurance refused to approve because of a billing mistake. That bill was about a thousand dollars," Hillman said.

Read the full story at The Guardian

Expanding Medicaid would cover more than 13,000 Alabama veterans, their family members

13 November

More than 13,000 low-income veterans in Alabama and their adult family members who do not have medical insurance would gain access to medical care if the state were to expand Medicaid.

Told APR on Friday that it's a common misconception that veterans in the U.S. have access to health care for life through the U.S. Veterans Administration.

Thousands of veterans in Alabama have fallen through the cracks, Carnes said.

According to the U.S. Census Bureau in 2017, there were 5,062 veterans in Alabama who earned up to 138 percent of the federal poverty level, which is $29,435 for a family of three, who did not have health insurance.

The 7,934 adult family members living in those veterans' homes also did not have medical insurance.

Expanding Medicaid to include families earning up to 138 percent of the poverty level, or $$29,435 for a family of three, would give those veterans access to health care, Carnes said.

In 2016, about 5.5 percent of the working age veteran population in the U.S. - 510,000 veterans - were uninsured, according to the U.S. Census Bureau.

Read the full story at Alabama Political Reporter

Medical group gets $125,000 to help more people

13 November

More people are able to get the mental health help in Centre County now, thanks to a grant.

Doctors at Centre Volunteers in Medicine in State College say their patients needed more mental health assistance.

Because of a grant, now they can expand their services.

In September "CVIM", the medical clinic in state college that provides care for people without medical insurance, was awarded at $125,000 grant through a private charity.

The grant bumps Dr. Scotilla's care hours from four hours a months to twenty a week.

Dr. Scotilla says they've measured the difference the extra care has made for patients before and after the grant, through a questionnaire.

The care helps people with issues of addiction, trauma, goal and weight management.

Read the full story at WeAreCentralPA

The Devil is in the Data

12 November

The finding suggests that physicians and other care providers often assign standardized billing codes for the care they provide that obscures the possibility a patient's injury might really be due to self-harm, rather than accident.

"Forthcoming studies of ours suggest that a person faces a more than three-fold risk of self-harm if he or she has done it once before," says Lambert, an associate professor in the Department of Internal Medicine.

So in seeking to prevent further self-harm or suicide, "If you're not coding it, it means the future treatment of the patient may be compromised by not having that important information in their history," he says.

People who were treated for intoxication and poisoning, accidents, asphyxiation, chest and head surgical repair, wrist wound, self-harming thoughts, depression and psychotherapy were more likely to be coded for self-harm than those presenting with substance use disorder, heroin poisoning, neurological disorder, vehicle accidents or falls.

"We see on average when someone's hurt themselves through an opioid overdose or drugs that have pleasurable effects - they're less likely to code it as self-harm," Lambert says.

An assessment of self-harm is more likely when someone has overdosed on aspirin or sleeping pills, presumably with self-harming intent.

Peak risk for self-harm is age 15 for females and 17 for males, declining after the mid-20s. Self-harm rates have steadily risen nationally since 2006, and people with more than one major mental illness diagnosis have an 18-25% chance per year of harming themselves between the ages of 15 and 26, where risk is highest.

Read the full story at University of New Mexico

State AG's office to discuss insurance fraud complaints against ex-Wood-Mode Inc. owners

12 November

Valley representatives will meet Thursday with several members of the state Attorney General's Office to discuss ongoing complaints of insurance fraud against the former owners of Wood-Mode Inc. State Rep. Lynda Schlegel Culver said the meeting involving state Rep. David Rowe, state Sen. John Gordner, Snyder County Commissioner Joe Kantz and Sunbury attorney Joel Wiest was arranged following renewed complaints by employees who were notified last week that their medical insurance coverage ended more than a month before the Kreamer plant suddenly closed on May 13 after 77 years in business.

Former employee Brian Wilson said the anger continues to mount months after the plant closure that put 938 out of work.

"For five weeks" employees paid for the coverage, he said, and now they're learning the Gronlunds apparently did not use the money to fund the benefit.

Culver said the meeting with the state, which will also include a discussion on the employee retirement fund, is an opportunity to find out "The next course of action. We're trying to see if there is something within the law that can be done."

Kantz's initial reaction to the news employees received from Geisinger was that a crime had been committed.

In mid-May, a few weeks after the Gronlunds abruptly closed the plant, Snyder County District Attorney Michael Piecuch received several complaints from employees about insurance fraud and turned them over to the state Attorney General's Office.

While many former Wood-Mode Inc. employees have found other jobs and some have retired, others "Are still struggling to find their place," said Culver.

Read the full story at The Daily Item

Are independent health insurance covers for seniors unaffordable? Here's what experts say

11 November

Senior citizens have to deal with high renewal premiums in health insurance plans, besides other restrictions.

Anand Roy, Joint Managing Director, Star Health and Allied Insurance: NoHealth insurance covers for senior citizens are a must, given the rising cost of healthcare.

Tapan Singhel, MD and CEO, Bajaj Allianz General Insurance: NoI feel independent health insurance is critical and very viable for senior citizens.

Health insurance becomes even more critical as one ages because health issues tend to increase.

An easy way to mitigate the impact of health costs is by purchasing a good senior citizen health insurance plan.

Sanjay Kedia, Country Head and CEO, Marsh India Insurance Brokers: YesThere is a need to innovate in the senior citizen health insurance space.

Preexisting diseases are not covered under individual health insurance policies, but are covered under group health policies.

Read the full story at The Economic Times

Amazon Makes Healthcare Buy As Its Plans Start to Take Shape

11 November

Amazon intends to offer Health Navigator services to its employees, shedding further light on where the e-commerce giant is heading in the healthcare market.

In late October, Amazon confirmed it purchased Health Navigator, telling CNBC it will fold it into Amazon Care, its new employee healthcare benefit that gives users access to virtual doctors and nurses.

Amazon hasn't laid out all its plans in the healthcare market, but the acquisitions and initial products coming out of its healthcare joint venture with JPMorgan Chase and Berkshire Hathaway(NYSE:BRK.B) are starting to provide an outline for what it wants to do.

The acquisition of Health Navigator also helps Amazon achieve the goal of lowering the expenses associated with healthcare.

For some time now, Amazon has been laying the groundwork to enter the healthcare market, which is massive at $3.5 trillion and in need of some disruption.

"Amazon's potential foray into healthcare has already caused players in the space to scramble and reevaluate their core competencies. While Amazon has barely scratched healthcare's surface, it has the potential to upend the space with its e-commerce expertise," wrote CB Insights.

"Without the need to make money in healthcare, the high margin and convoluted parts of the healthcare business are ripe for disruption." All of which means there's another bastion of growth Amazon can hang its head on if eCommerce growth levels off.

Read the full story at The Motley Fool

China’s medical insurance scheme targets eight million poor individuals

9 November

An expanded medical insurance scheme now covers almost eight million low-income workers in China, according to state media.

The project, which is backed by the China Foundation for Poverty Alleviation and three other firms, aims to provide medical insurance for 10 million workers from registered poor households by the end of 2020, Xinhua reported.

According to CFPA assistant executive director Qin Wei, the foundation will use various technologies, such as blockchain, to ensure transparency and effective coverage of its target population.

The insurance scheme currently covers 12 Chinese provinces, including Hubei, Sichuan and Yunnan.

As of October 31, the insurance scheme has expended almost RMB230 million to benefit 7.89 million individuals.

The programme was launched in 2017 and provides medical insurance for workers aged 18 to 60 that come from households that are considered poor by the Chinese government.

Read the full story at Insurance Business Asia

UAE Health and Medical Insurance Market Insights with Statistics and Growth Prediction 2019

8 November

The report presents an in-depth assessment of the UAE Health and Medical Insurance including enabling technologies, key trends, market drivers, challenges, standardization, regulatory landscape, deployment models, operator case studies, opportunities, future roadmap, value chain, ecosystem player profiles and strategies.

The UAE Health and Medical Insurance market is highly competitive and consists of a number of major players.

A complete background analysis of UAE insurance industry, which includes an assessment of the national health accounts, economy, and emerging market trends by segments, significant changes in market dynamics, and market overview, is covered in the report.

The report provides key statistics on the market status of the Health and Medical Insurance market manufacturers and is a valuable source of guidance and direction for companies and individuals interested in the industry.

The Health and Medical Insurance market report presents the company profile, product specifications, capacity, production value, and 2014-2019 market shares for key vendors.

The report estimates 2019-2024 market development trends of Health and Medical Insurance Market.

Finally, Health and Medical Insurance Market report is the believable source for gaining the market research that will exponentially accelerate your business.

Read the full story at The Market Publicist

Hospitals defrauding Insurance Firms: How it may affect Uganda’s National Health Insurance Scheme

8 November

Insurance Companies in Uganda are at war with several hospitals and medical facilities over what they have termed as theft or fraud in the medical and health insurance policies.

According to the 2018 Insurance Regulatory Authority report, medical insurance uptake is one of the fast-paced segment of insurance in Uganda - now the largest class of business by corporate institutions.

In June this year, the government of Uganda approved the National Health Insurance Scheme Bill, which the government thought will improve the provision and access of health services to Ugandans.

In the government's thinking, the National Health Insurance Scheme will also help to develop health insurance as a complementary mechanism of healthcare financing and ensure efficiency in healthcare services.

With the emerging fraud in the sector and eventual withdraw of insurance companies, the National Health Insurance Scheme may face a major setback if something is not done to arrest the situation.

"If passed into law, It shall make it mandatory for every Ugandan above 18 years to pay for the National health insurance," Ofwono Opondo, the Government of Uganda Spokesperson said of the National Health Insurance Scheme Bill.

According to the bill, each individual above the age of 18 years shall be required to remit a certain amount of money to the National Health insurance scheme and acquire an insurance card.

Read the full story at Busiweek

They Called 911. Then N.Y.P.D. Workers Sold the Data, Officials Say.

8 November

According to court documents, when someone called 911 after a car accident, Ms. Meyers did something else: She also passed victims' information to an insurance fraud ring in Queens.

A key component to the scheme was the five 911 operators and an active police officer, Yanaris Deleon, who provided victims' confidential contact information to the scheme's ringleaders, prosecutors said.

According to court documents, the 911 operators and Officer Deleon provided victims' contact information to the scheme's fraudulent "Call center."

The call center would then contact those victims and coax them to visit prearranged medical clinics and lawyers, court documents say.

As recently as June, Officer Deleon texted Mr. Rose on the encrypted messaging app WhatsApp and provided a list of "Nearly two dozen names and telephone numbers" of accident victims, court documents said.

Mr. Rose ordered his co-conspirators to target car accident victims from low-income neighborhoods because they were more vulnerable, according to court documents.

In addition to the Police Department sources, Mr. Rose also bribed employees at hospitals and medical centers to violate the Health Insurance Portability and Accountability Act, known as HIPAA, and disclose confidential patient information for car accident victims, the documents say.

Read the full story at The New York Times

Why Many Seniors Will Want More Than Traditional Medicare

7 November

Medicare open enrollment is underway through Dec. 7.While many seniors expect Medicare to be a one-stop health insurance solution, it often isn't enough.

It's very possible you'll find you need more than basic Medicare.

Medicare has five higher premium levels for seniors at higher incomes, going all the way up to $460.50 per month.

Most seniors will want to look into some other options, which include going deeper into the Medicare alphabet.

The alternatives to original MedicareMedicare Part C, also known as Medicare Advantage, is a private insurance alternative to traditional Medicare that often includes additional benefits, such as vision, dental or drug coverage.

Seniors will usually benefit most from choosing a Part C Medicare Advantage plan - or going with original Medicare plus Part D prescription coverage and yet another option: Medicare supplement insurance.

Nearly 20% of seniors on Medicare also are eligible for Medicaid, according to federal data.

Read the full story at Yahoo!

Over 7 mln poor people benefit from China's insurance project

7 November

An insurance project has expended nearly 230 million yuan by the end of October 2019, benefitting around 7.89 million workers of registered poor households, sources with the project said.

The project, jointly launched by the China Foundation for Poverty Alleviation and three other firms, will provide medical insurance for 10 million workers of registered poor households by the end of 2020.

Focusing on poverty alleviation, the foundation will take effective measures including using blockchain technology to ensure both information transparency and effective coverage, according to Qin Wei, assistant executive director of the CFPA. The foundation has brought the program to 12 of China's provincial regions such as Hubei, Sichuan and Yunnan.

Launched in 2017, the program aims to provide medical insurance for workers aged 18 to 60 of registered poor households by current standards.

Read the full story at Xinhaunet

Insurance rate dispute could mean children with autism dropped from therapy

6 November

As one of the major medical insurance providers in Nevada, the dispute over Anthem Blue Cross and Blue Shield's rates could limit which doctors are available for autism-related services.

On Oct. 3, medical providers were sent an updated rate schedule by Anthem Blue Cross that outlined what the new reimbursement rates would be starting January 2020 for therapies and services related to autism.

"A representative from Anthem even stated to us that their own market analysis indicated the national average being 30% higher than their reimbursement rate, but because Anthem is a 'small' insurance company, they are unable to compete with larger insurance companies like 'United Healthcare' reimbursement rates."

The rate dispute is another barrier for parents who struggle to find treatment.

Dr. Mario Gaspar De Alba, an expert in autism at the Ackerman Autism Center in Las Vegas, is also concerned about the rate changes by Anthem.

"BCBS [Anthem] lowering their rate would mean even more kids on those same waiting lists," said Gaspar De Alba in an email.

"Research in autism is clear, early and intensive intervention leads to the best outcomes. BCBS [Anthem] lowering their rate will put us even further behind in our efforts to get children and families affected by autism early intervention."

Read the full story at The Nevada Independent

Medical insurance premiums set to rise

6 November

People on health insurance should brace for a considerable increase in monthly contributions as efforts gather momentum to cushion them against huge co-payments and shortfalls emanating from charges demanded by service providers mainly in the private sector.

A new reference list compiled by the Association of Health Care Funders of Zimbabwe is expected to see medical aid societies reimbursing general practitioners a ceiling of $321,20 for initial consultations by their members.

The medical aid societies are also expected to reimburse specialist doctors an average of $1 000 for initial visits.

AHFo.Z chief executive Ms Shylet Sanyanga told The Herald yesterday that medical aid societies were consulting with employers on the practicability of the charges on the reference list.

Contributing medical aid members should be made aware of how much healthcare services are costing, in relation to the contribution, so that they make informed decisions of package options," said Ms Sanyanga.

Some medical aid societies have since adjusted their member contributions to at least $450 per member per month, in line with the new AHFo.Z recommendations.

Of late, medical aid societies had lost their relevance as patients had to grapple with huge co-payments and shortfalls as a result of high costs being charged by service providers.

Read the full story at The Herald

More Canadians Are Discovering the Best Kept Secret in Travel Insurance

5 November

f you've never heard of personalized travel insurance coverage, you're not alone.

According to Snowbird Advisor Insurance, personalized travel insurance is one of the best kept secrets in the travel insurance industry, in part because it's only offered by a select group of providers.

Unlike "Standard" travel insurance policies that most travellers are used to, personalized policies don't lump you in with other travellers when determining your premiums and coverage.

"One of our goals at Snowbird Advisor Insurance is to educate Canadian travellers about the availability and potential benefits of personalized travel insurance coverage, as many people don't even know this option exists," Fine says.

"Most travellers would be surprised to learn that the # 2 reason why travel medical insurance claims are denied is for failing to meet the 'stability clause' requirements included in standard travel insurance policies."The fact that personalized travel insurance plans don't require your pre-existing medical conditions to comply with a stability clause is a big advantage - and the best way to ensure you're covered against financial loss as a result of a medical emergency while travelling abroad.".

Snowbird Advisor Insurance Inc. is a travel insurance broker specializing in providing Canadian snowbirds, boomers and seniors with travel insurance solutions designed to meet their unique needs.

The company understands the specific insurance requirements of snowbird and senior travellers, in addition to offering a personalized policy option that features coverage for pre-existing medical conditions with no stability period requirement.

Read the full story at Yahoo

Let’s expand health care to all gradually

5 November

As part of our step-by-step approach, we would simultaneously make Medicare available to all Americans 60 years and older.

Deductibles, coinsurance, supplemental insurance and co-payments that might be relevant to Medicare coverage would be worked out later.

Over time the window for enrollment in Medicare would expand incrementally, welcoming more and more Americans.

At some point, people 18 to 21 and those 56 to 59 years of age would have the option of gaining coverage through Medicare.

Over time, all Americans would have coverage through Medicare - or the option of choosing between Medicare and coverage through a non-government plan that meets specific criteria.

People would be able to purchase Medicare Advantage programs through private insurers and pay privately any co-pays or premiums.

Until the time that all Americans gain Medicare eligibility, people not permitted to enroll in Medicare because of their age would be encouraged to maintain employer-based or private insurance.

Read the full story at Providence Journal

Residents suffer as Mississippi and 13 other states debate Medicaid expansion

4 November

The lack of health insurance has left millions of Americans in those states that chose to go without Medicaid expansion to carry the burden of medical debt when they need to receive health care.

Velasco said she socks away a few dollars out of each biweekly paycheck to save up to go to the doctor.

In the state that has the highest percentage of its residents with past-due medical debt in the country, it appears that many people choose to go without, according to a study done by the Financial Industry Regulatory Authority Investor Education Foundation.

More than half in Mississippi said the cost of health care led them to not fill a prescription, avoid the doctor or skip a medical test, according to the study.

"In a sense, the people of Mississippi are saying the cost of health care is driving them away from medical services, and we see that nationally in the data as well," Gary Mottola, the research director for the FINRA Foundation, said.

When the foundation began the study in 2012, 41 percent of Mississippians said they held past-due medical debt.

"I wanted to go back to work early but my doctor said I couldn't without my walker," she said, still limping heavily minutes after her midweek lunch shift ended.

Read the full story at NBC News

Minet Kenya appeals MPs' medical insurance cover award

4 November

Insurance broker Minet Kenya has contested award of tender for provision of Parliament staff medical cover to the Liaison Healthcare.

Minet has filed a complaint at the Public Procurement Administrative Review Board seeking termination of the contract, saying it was awarded unlawfully and against public interest.

"It is the contention of Minet that the decision by PSC was irregular, unlawful, unfair and tainted with possible bad faith and ill motive," said Minet through its lawyers in the appeal to PPARB. In its complaint to the Board, Minet claims to have quoted Sh338.

Minet wants the PSC to instead award the tender to it because its bid was "The most responsive".

The PSC in its regret letter to Minet said the company failed to attach required vital documents in its application for the tender.

According to the PSC, Minet attached an Insurance Regulatory Authority registration certificate instead of a valid certificate of membership to the Medical Insurance Providers Association of Kenya.

Minet has contested this, maintaining that the tender required that applicants attach valid membership at Association of Kenya Insurers or a membership of Mipak.

Read the full story at Business Daily

Can the world afford universal healthcare?

3 November

The United States leads the way as the world moves towards spending $10 trillion a year on healthcare by 2022.

"So one of the problems with highlighting the huge amounts of expenditure in the US is, it kind of sends a signal that you need to spend lots and lots and as you know there are big pushes to create universal healthcare coverage, basic package, and you can actually achieve a lot with a lot less in the US.".

It is a goal of the United Nations to "Achieve universal healthcare for all" by the year 2030.

The World Health Organisation estimates that it would cost about $58 per person, per year to achieve universal healthcare in all low and middle-income countries.

"A large chunk of the initiative to create these programmes for universal healthcare coverage is to make it that people, in advance, in many cases, contribute. So there are schemes in which even very poor people put something every now and then and that gives them some sort of automatic right to some sort of access," Farlow explains.

George Davies, partner at the venture firm Hambro Perks, points out that change and innovation within the global healthcare system does take time but there have been advancements within the industry.

Ada Health is a Berlin-based company that is developing a healthcare app aimed to reach parts of the world where the healthcare system feels like a lottery and there is a shortage of doctors.

Read the full story at Al Jazeera

New York health exchange offers array of plans for 2020

3 November

Some 4.8 million New Yorkers are now getting their medical insurance coverage through NY State of Health, the state-run health plan marketplace.

The program, since its inception in 2013, has resulted in the number of uninsured New Yorkers being reduced by 1.2 million people, state officials said.

Only 4.7 percent of New Yorkers remained uninsured in 2018, according to federal data.

WATER CONTAMINATION. After a slew of public water quality debacles across the nation - among them pollution threats in Hoosick Falls, New York and Flint, Michigan - officials from the New York State Association of Counties have organized a webinar to educate county leaders on evolving regulations governing a group of industrial contaminants known as PFAS. NYSAC says these "Forever chemicals," though no longer found in new products, pose a threat to drinking water supplies after building up in landfills.

CIGARETTE WARS. While vaping products have been a prime target for regulators on the state and national front in recent weeks, a push is underway in New York to ban traditional menthol cigarettes and other flavored nicotine products.

Those leading the effort to stub out menthol cigarettes in New York are Assemblywoman Rodneyse Bichotte, D-Brooklyn, and Sen. Brad Hoylman, D-Manhattan.

Read the full story at Lockport Journal

Warren Acknowledges Medicare For All Will Displace Health Insurance Workers. Her 'Solution' Is Ridiculous.

3 November

Her way of paying for the plan: premiums that would normally be paid to private health insurance would instead be funneled to Medicare.

What about the jobs associated with those who work in the health care industry? Don't worry! Warren believe she has a plan for that too!

"Some of the people currently working in health insurance will work in other parts of insurance - in life insurance, in auto insurance, in car insurance. Some will work for Medicaid."

What makes her think that hundreds of thousands of people are going to suddenly transition from working in medical insurance to auto or car insurance? Those are very vastly different industries entirely.

Just because the word "Insurance" is in the job title doesn't mean that those skills are 100 percent transferable.

Q: Where do those who work in health insurance go when private insurance is eliminated?

Sen. Warren: "No one gets left behind. Some of the people currently working in health insurance will work in other parts of insurance. In life insurance, in auto insurance, in car insurance."

Read the full story at Townhall

Open enrollment begins Friday for 'Obamacare' policies

2 November

Open enrollment for Montanans buying individual health insurance for 2020 on the "Obamacare" marketplace began Friday - at lower premiums than for the current year.

Three companies - Blue Cross and Blue Shield, the Montana Health Co-op and PacificSource - are selling the policies.

About 85 percent of the 50,000 Montanans who buy these policies through the online marketplace will get a federal subsidy to offset the premium.

Still, many of the policies will continue to have substantial annual deductibles before they begin covering most items, often as high as $6,000.

Consumers have until Dec. 15 to buy the policies online, through the website www.

It's funded by a 1.2 percent assessment on all major-medical insurance policies in Montana and a substantial contribution from the federal government.

When Obamacare took effect in 2014, the federal government had a reinsurance plan backing up the individual policies on the marketplace.

Read the full story at KXLF Butte

Employer-Driven Sleep Apnea Treatment Program Reveals Significant Healthcare Cost Savings

2 November

An analysis of a carrier-based mandatory obstructive sleep apnea program on truckers' non-OSA-program medical insurance claim costs revealed substantial healthcare cost savings, according to study findings.

An analysis of a carrier-based mandatory obstructive sleep apnea program on truckers' non-OSA-program medical insurance claim costs revealed substantial healthcare cost savings, according to a study published last week in the journal Sleep.

Researchers from Precision Pulmonary Diagnostics, Harvard Medical School, Virginia Tech Transportation Institute, and the University of Minnesota-Morris sought to evaluate the effect of an employer-mandated OSA diagnosis and treatment program on truckers' non-OSA-program medical insurance claim costs to examine whether it generated cost savings.

Bootstrap resampling produced a difference-in-differences estimate of aggregate non-OSA-program medical insurance cost savings for 100 diagnosed drivers compared with 100 screen-positive controls before and after the polysomnogram over 18 months.

Study results exhibited stark medical claim cost savings of $153,042 after 18 months from diagnosing and treating 100 screen-positive controls.

"Obstructive sleep apnea continues to be an unrecognized, insidious driver of excessive and avoidable healthcare costs for all employers. Addressing the epidemic magnitude of this condition in society can dramatically reduce employer healthcare costs," said Berger.

Employer-mandated obstructive sleep apnea treatment and healthcare cost savings among truckers.

Read the full story at AJMC

MCIS Multichoice Insurance Services launches VisitorPLANS.com

1 November

Multichoice Insurance Services launched VisitorPLANS.com, a website that focuses solely on the needs of international travelers.

Over the years MCIS have become a name synonymous to visitor insurance.

Ram Verma, CEO and President of MCIS said, "We have dedicated our lives to our company so that our customers get the best product knowledge." MCIS's user-friendly website with "Quote-Compare-Buy" philosophy has made it one of the largest visitor insurance agencies in the United States.

With years of experience from MCIS, VisitorPLANS.com is already set for a huge success in catering to the insurance needs of several international travelers.

In an insurance industry with regulated pricing, MCIS has stood the test of time with its unparalleled customer service and helping customers with the complex and time-consuming process of claim handling.

Using the MCIS website, travelers can compare several insurance plans to make an informed decision specific to their unique needs: fixed coverage plans & comprehensive coverage plans, as well as plans with acute onset of pre-existing conditions, coverage plans and full pre-existing conditions for different age groups.

The insurance companies that MCIS represents offer reliable insurance products, excellent customer service, and have an outstanding reputation for fast, fair claims service.

Read the full story at PR Newswire

October 2019 news

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