New Health Insurance Rules come into play on Sept 23

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Parija Kavilanz, senior writer, On Wednesday September 22, 2010, 11:06 am

September 23 marks the six-month anniversary of health reform. It’s also the date when several key insurance changes come into effect.

Here’s what you need to know about how your insurance is affected.

If you get insurance through your boss: Many people who are insured through work won’t notice immediate changes to their health plans until their health plans renew, which is tied to companies’ open enrollment periods. Health plans offered through large employers usually get renewed on Jan. 1.

But the mandates could kick in sooner for health plans sold to new entities or individuals after Sept. 23.

Here are some key changes coming into effect:

Coverage expansion for adult dependents until age 26. Employers will have to provide coverage for dependents of workers who don’t have access to other employer-based health care coverage ’till age 26. Some states already mandate this coverage until age 28 or 29.  continued

PRESENTING: MINUTES TO MEMORIES, reconnecting body mind and spirit

I am honored to present to you the first talk radio show that I am looking forward to listening to.  That’s because

I’M THE HOST!!!

6 pm every Friday from now until they run me off, I will be on internet radio www.jackaloperadio.com

Most gracious thanks goes out to my new producer Mr. Todd Sheets, what a cool dude.  He will be there with me to make sure everything sounds great.

My first show is this Friday at 6 pm CDT.  I am going to explain the theme of the show, tell my story, and review potential topics for future discussions.

I am lining up a fine list of guest speakers and like this blog I will ask the difficult questions and expect responses.

I invite you to join me, with your phone or computer, at http://www.jackaloperadio.com

When Government Plays Doctor

This week, concerns about swine flu have dominated the media and many government officials.  While the American people should be made aware of infectious diseases and common sense preventative measures, much of the hysterical reaction from government only serves to remind us how detrimental to your health it can be when government plays doctor.

As a physician, I have yet to see any evidence that justifies the current level of alarm.  Influenza typically kills around 36,000 people every year in this country and hospitalizes a couple hundred thousand.  So far there are only a handful of confirmed deaths attributable to this strain, and most of those sickened have or will fully recover.  Every death is tragic, but I see no reason to deal with this flu outbreak any differently than we typically deal with any other flu season.  Instead, government in its infinite wisdom is performing even more invasive screening at airports, closing down schools and sporting events, and causing general panic.

We had a similar outbreak in 1976, with only 1 death from the flu, but mandatory vaccinations killed at least 25 before the program was abandoned.

When government gets involved in healthcare decisions, the cure is so often worse than the illness.  And yet, this administration will likely consolidate the government’s power over your health with sweeping new reforms that are already being discussed in the Senate.

Government has not improved healthcare, and has not made it cheaper.  Quite the opposite; costs have skyrocketed, and quality has gone down in many ways.  Gone are the days of the country doctor making house calls, or of voluntarily giving away medical services at charity hospitals.  The bureaucratization of healthcare these past 45 years has made things worse.  It saddens me as a doctor that physicians are less and less accountable to patients, but more and more accountable to government red tape, insurance companies and attorneys.  It seems so perverse to me that important medical decisions that will directly affect the lives of all or nearly all Americans are being hashed out behind closed doors in Washington rather than between doctors and patients.

There is perhaps nothing more valuable to a human being than his or her health, which is why I’ve always considered the practice of medicine so crucial to our well-being.  Any intrusion by government into the privacy and trust between doctor and patient is detrimental to the art of medicine.  It distorts the whole dynamic of who the client really is when doctors must answer more to government or insurance companies than to their patients.  The best solutions to improving quality and lowering costs of healthcare would be measures that put decisions back into the hands of patients and doctors, where they rightfully belong.  I have introduced HR 1495 The Comprehensive Healthcare Reform Act, which promotes health savings accounts and tax deductibility of healthcare costs as an important step in this direction.

The unfortunate reality of this recent health crisis, as with any crisis, is that it presents opportunities that the unscrupulous will take advantage of, while the fearful become more compliant.

Universal Health Care

To the point, universal healthcare is exactly the wrong direction to go.  It is government and third party insurance involvement that has ruined the entire health care system in this county. 

 

A healthy body is a personnal responsibility not a third party benefit.  Any effort to further remove people from thier responsibility to maintain their own body will do nothing but increase costs and decrease overall well being of the population depending on it.

 

Dr Drumright