I live in Los Angeles, CA and have been unemployed and without health insurance since May 2009. As a result, I scour the Internet almost daily looking for news about health care reform. To my relief, I recently found a website designed to specifically help who live in Southern California, Los Angeles Region: toddshealthinsurance.com.The articles are easy to read and understand, and the information is relevant and helpful. They cover such subjects such as H1N1 (Swine Flu), Pre-Existing Conditions, Medicare, Individual vs Group Healthcare Policies, Healthcare Reform Progress, Prescription Drugs, Back Pain, just to name a few health care topics.
Did you have health issues in the past? Or are you currently taking prescription medications? Are you going to have or have you had trouble obtaining health insurance in California?
The fact is, when you apply for an individual health insurance policy in California, you have to go through medical underwriting, unlike group health insurance policies. Therefore, you could be declined for health care for a number of reasons including the above mentioned.
Why do my Health Insurance Premiums Keep Increasing?
Health insurance premiums in California and nationwide, rise primarily due to four major reasons:
1. Advances in medical technology means higher claims costs.
2. Price inflation for medical services is greater and exceeds inflation in other sectors of the economy.
3. Health Insurance Costs shift from the uninsured and those receiving Medicare and Medicaid over to the private sector
4. Consumer lifestyles, such as smoking, physical inactivity, obesity and heart disease
I’m an entrepreneur, small business owner in Southern California, Los Angeles region. Recently I was researching information on national health care reform and was also trying to make sense of my recent denial of coverage by Blue Shield of California. I discovered a health care blog called toddshealthinsurance.com.
Not having health insurance coverage, I was especially interested in the post “Should I Negotiate My Rate With My Doctor?” I’d never considered that as an option! It’s so simple, so brilliant, and certainly worth a shot. Let’s face it, everyone could save a little more money!
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