Insurance

Studies Find Premiums Based on Credit Scores Help Add Accuracy – People With Bad Credit More Likely To File Insurance Claims

Studies Find Premiums Based on Credit Scores Help Add Accuracy – People With Bad Credit More Likely To File Insurance Claims

Sizemore

(Best Syndication) Legislatures have been slow to ban the use of credit-based insurance scores, but Oregon voters took the matter into their own hands with a voter initiative last year. Some groups question whether it is legitimate to use credit scores to determine insurance rate premiums, and it may even be racist according to some.

Bill Sizemore of the Oregon Taxpayers United organization believes that this method of determining insurance premiums is a backdoor method of redlining, which is illegal in some states. Sizemore says insurance scoring “is a back door way of redlining minorities.”

Sizemore, who is usually known for backing anti-tax measures pushed for the Measure 42 in Oregon last year which would have denied insurance companies the ability to take credit scores into account when setting insurance premiums.

Can Government Health Care Save Money? Study Suggests That It Would – Proposal Would Open Medicare For Everyone

Can Government Health Care Save Money?  Study Suggests That It Would – Proposal Would Open Medicare For Everyone

Stark

(Best Syndication) The Commonwealth Fund Commission on a High Performance Health System says that many Capital Hill health care proposals could significantly reduce the number of uninsured Americans. The Fund also believes that some of these bills, if passed, could lower overall health care expenditures including those for insurance administration and prescription drugs.

The private foundation was created to promote a better health care system. Their goal, according to their mission statement is to “stimulate innovative policies and practices in the United States and other industrialized countries.” But are they right?

CMS Opens Discussion Concerning Home Sleep Studies - Sleep Apnea Diagnosis Only Covered For In Lab Testing – Could Save Lives

CMS Opens Discussion Concerning Home Sleep Studies - Sleep Apnea Diagnosis Only Covered For In Lab Testing – Could Save Money Lives

Sleep Lab
g-photo

(Best Syndication) The Centers for Medicare & Medicaid Services (CMS) has opened a 30-day public comment period for physicians and others to voice their support for the use of multi-channel home sleep testing devices. Sleep Apnea affects an estimated 24 percent of men and 9 percent of women and can lead to auto accidents, stroke, heart failure, and death.

The CMS opened the comment period at the request of the American Academy of Otolaryngology – Head and Neck Surgery (AAO-HNS). The Academy calls Obstructive Sleep Apnea (OSA) a “pervasive, profoundly dangerous, debilitating, and (a) largely under-diagnosed disease.”

The common method for diagnosing OSA or Central Sleep Apnea (CSA) is a sleep study done at either a hospital or sleep lab. This diagnostic procedure is much more expensive than home sleep testing. The group says that home sleep studies have been proven to be accurate, “similar to polysomnography”.

Illegal Immigrant Births Top List For Emergency Medicaid Health Care Spending – Immigration - 1 Percent Of Medicaid Budget

Illegal Immigrant Births Top List For Emergency Medicaid Health Care Spending – Account For Only 1 Percent Of Medicaid Budget

Dr. Dubard

(Best Syndication) The vast majority of government-money spent on emergency care for illegal immigrants is used to pay for childbirth and pregnancy related complications for women without insurance. Researchers in North Carolina evaluated the state spending on Medicaid for the years 2001 to 2004.

The researchers said that the cost for emergency care is only 1 percent of their Medicaid budget. Typically both illegal and legal residents do not qualify for Medicaid except for emergency services. The state reimburses the hospitals through Medicaid where the Federal Government does not pay. Federal law excludes reimbursement for illegal and legal immigrants who have been in the U.S. less than five years.

Guide To Insurance For Freelance Professionals

Guide To Insurance For Freelance Professionals

Stock Photo

Coulson Pritchard Associates - Protecting the interests of consultants, contractors & freelancers

Professional Insurance can provide financial compensation and peace of mind when things go wrong, but even some seasoned freelance contractors are unsure as to which types of insurance they need. Very few types of insurance are compulsory for small businesses, but it can be a false economy to neglect those which really should be viewed as essential.

Professional Indemnity Insurance

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