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HEALTH INSURANCE DEDUCTIBLES HAVE INCREASED 42%

Posted February 10th, 2014, in Cancer Insurance, Dental Insurance, Diabetes, Health Insurance, Medicare, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

With the Affordable Care Act in full swing; consumers are now realizing that most of the Qualified Health Plans (QHP) found on the public exchanges are costly and have high deductibles.  A recent article in the Wall Street Journal noted that Deductibles have increased 42% since 2013.  Consumers are faced with the decision to increase their deductibles to keep the monthly health insurance premiums manageable.  SASid has developed two supplement insurance productswhich brokers can use to assist consumers which can pair with their major medical insurance plans to help manage high deductibles and out of pocket costs.

Deductible Supplement Insurance:  Consumers can save money by increasing their deductibles and supplementing their major medical insurance

  • Supplemental cash benefits for accidents and sicknesses
  • Benefits are paid regardless of other insurance
  • Simple to use and smart to have

QHP Supplement Insurance:  Helps fill the gaps in the Qualified Health Plans found on public and private exchanges

  • First dollar coverage with fixed indemnity benefits
  • Supplemental benefits for accident and sicknesses
  • Benefits for physician office visits, hospital stays, surgeries, emergency visits, x-rays and more.

Consumers can save money and/or increase benefits by getting creative with their healthcare…

more….

Obama: Health Care Reform Not About Website

Posted October 28th, 2013, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Health Insurance, Medicare, News, Obesity Insurance, Preexisting Conditions, Uncategorized by Frank Mossucco

VOA News  original article found here: 

October 26, 2013

U.S. President Barack Obama says the glitches of the Healthcare.gov website are “frustrating,” but people are working around the clock to to fix the problems.

The president said in his weekly address Saturday the fight for health care reform is not about a website, but was instead about establishing the “principle that in this country, the security of health care is not a privilege for a fortunate few, but a right for everyone.”

Obama said the site has been visited more than 20 million times and nearly 700,000 people have applied for coverage.

The president accused Republicans in Congress of spending the last few years obsessed with denying people access to health insurance.

Watch President Obama’s weekly address:

In the Republican address, Chairman of the House Energy and Commerce Committee Fred Upton said his committee will hear directly from Health and Human Services Secretary Kathleen Sebelius to find out why the so-called Obamacare website does not work, despite the investment of hundreds of millions of taxpayers dollars.

The expert the White House has hired to fix the massive problems with the website says he expects it to be running smoothly by the end of November.

Thousands of people trying to buy government mandated health insurance using the website have run into numerous problems.  Some users complain of extremely long wait times while others have had their passwords rejected.  Other users said they were given conflicting prices for the same health plan.

Executives of the companies who built the website told Congress Wednesday the system was not fully tested and that last-minute changes to the website contributed to the problems.

Republicans opposed to the Afrodable Care Act – commonly known as Obamacare – said the computer problems illustrated their argument the health care law is not ready.

Under the Affordable Care Act, people without private health insurance can sign up for government subsidized plans through the website.  Those who fail to carry any health insurance would pay a penalty.

 

How Cancer Insurance Saves Your Life and Your Wallet

Posted March 20th, 2013, in Cancer Insurance, News, Preexisting Conditions, Uncategorized by Frank Mossucco

When an individual is diagnosed with cancer, the typical reaction does not initially center on personal finances. However, a cancer diagnosis can be devastating to your family’s long-term financial plan.

To begin, many people can no longer work ­­­­­­when they have cancer which results in a loss of income. Hospital bills are another big factor. And, last but not least, the cost of tests necessary to determine which treatment is best for your particular cancer may also make a dent in your family’s budget.Cancer Insurance

Although a standard health insurance policy may cover some of these bills, oftentimes it does not. However, cancer insurance is specifically designed to help such expenses that are involved with treatment of the disease. In fact, The American Cancer Society has said that the average cancer survivor incurs $38,000 worth of debt. Most people are using their entire life savings just to pay for the medical bills.

The landscape of the healthcare industry is changing and although the future is uncertain, health insurance continues to rise in price each year. But, while premiums increase this does not necessarily translate into broader coverage, especially when it comes to long-term illness such as cancer.

Unfortunately there is no cure for cancer and more and more people are diagnosed each year. Therefore, preparing yourself for the worst-case scenario by choosing cancer insurance may be the only line of defense you have against cancer for you and your family.

Federal Government Shuts Down The PCIP Program

Posted February 25th, 2013, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Health Insurance, Medicare, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

 

On February 15 it was announced that the government will officially close the Pre-Existing Condition Insurance Program (PCIP) due to the overwhelming cost and high premiums which made it difficult for people with pre-existing health conditions to afford coverage.

While the program was initially allotted $5 billion, the program has already totaled $2 billion in claims and $180 million in administrative costs. While this  decision comes at a time when there is heated debate regarding health insurance and the future costs to all Americans, the government ultimately came to the conclusion that the program could not continue at this pace.

The good news is, the government is already making strides toward even better, more efficient programs that could very well change the landscape of healthcare coverage for folks with pre-existing conditions. One of these programs is the Patient Protection and Affordable Care Act of 2010 (PPACPA) which goes into effect Jan. 1, 2014. Among the advantages of this program will be lower premiums, which will allow more patients to participate, and a more efficient administrative process sure to make better use of allocated funds.

It is too early to tell where this will all lead. The health insurance industry is rapidly changing as the government shuts down programs and gets ready for new reform. As time goes on we will witness the change and see first-hand how those with pre-existing conditions are affected.

The Other Insurance Companies

Posted February 8th, 2013, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

Earlier this year, Forbes published an article claiming that insurance companies, generally speaking, were right in their bottom-line exclusion of those with pre-existing conditions. Rather than portraying insurance companies as part of the problem, which many in Washington tend to claim, author Amesh Adalja says these companies should be commended as heroic for their approach to sustainable business. Maybe so, but health insurance isn’t quite the same as paying for a warranty on your new television. You can lose a television and replace it quickly. Human life is quite the opposite.

“As part of a way to mitigate against excessive risk,” says Adalja, “insurance companies may elect to not insure an individual whom they judge possesses a high likelihood of incurring costs because of a pre-existing condition. When insurance companies are barred — by law — from considering pre-existing conditions in their evaluation of potential customers, what is being prohibited is the exercise of judgment.”

First Preferred sees this quite a bit differently. If patients are the main contributors to our business, and rightly so, then the health of our patients is our first priority. That includes customers and patients with whom we haven’t yet established a relationship. Providing coverage for pre-existing conditions has to be the single most valuable way to sustain a long and proud health insurance company. We expect to be here, on your behalf, for many more years.

Our individual and family plans are a step ahead of the competition, contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.

The Post-Christmas Cavity

Posted December 26th, 2012, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Obesity Insurance, Preexisting Conditions by Frank Mossucco

Alright, so you gorged yourself yesterday. You slipped in six brownies, mangled a pumpkin pie, and popped open the box of fudge. Not only are you feeling a little guilty today, but your mouth is having its own regrets. More specifically, that cavity you’ve been ignoring now aches like nobody’s business. Time to face the facts. You need to see a dentist. And let’s be honest, you’ve needed to see one for quite a few months (ahem, years?).

Did you know that First Preferred offers great plans on affordable dental insurance? Now you know!

When you arrive at the dentist around the first few days of January, you can almost be assured that they’ll tell you there’s a cavity that needs to be filled. You wince at the thought, but you knew it was coming. Now comes the hard part: a new year’s resolution to change your diet. That’s right. Time to get serious.

But before your appointment (which we know you’ll make after reading this article getting dental insurance), we encourage you to start changing that diet early. At the very least, have an idea about how you can better the condition of your teeth and give that new dentist a good feeling that you understand something needs to change. Sodas, candies, pies, cookies, they all have to go, you’ll say (wink, wink).

Taking care of your teeth does involve a better diet, but we understand the temptations of the holidays. Stay safe, stay happy, and stay healthy as you enjoy the last few days of 2012.

Our individual and family plans are a step ahead of the competition, so contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.

White House on BCAM

Posted October 25th, 2012, in Cancer Insurance, Diabetes, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

With Breast Cancer Awareness Month being more than half over, the White House is amping up its political efforts to reassure women that the new health care law, usually referred to as Obamacare, is actually helping to fight against breast cancer. But Kathleen Sebelius, Secretary of Health and Human Services, seemed to contradict her own suggestions in recent statements.

“Only about 75 percent of women aged 40 or older have had a mammogram in the last two years. If we could boost that number to 90 percent, thousands more lives could be saved. But budgets are tight, and even moderate copays can deter many women from getting those important screenings.”

In other words, there is still a serious problem and potential victims are not exactly taking advantage of prescreenings that might otherwise help. Now that the health care law is in effect, Sebelius says this “means that women can get the potentially life-saving services they need to detect breast cancer before it spreads, without worrying how a copay would affect their family budget.”

So the better argument is that the health care law makes it possible for these screenings to become more common, but not necessarily that it is, at this very moment, changing the course of breast cancer in America.

Whichever way you look at it, First Preferred wants everyone to have access to affordable, preventative care. Our individual and family plans are a step ahead of the competition, so contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.

Ann Romney Walks for Breast Cancer

Posted October 24th, 2012, in Cancer Insurance, Diabetes, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

For all the talk we hear of presidential candidates, especially in the days leading up to an election, little is often heard about the causes their wives also fight. Governor Romney is frequently accused of lacking sincerity or changing his positions, but when it comes to Breast Cancer Awareness, no one cares why you show up to help, they only care that you showed up at all. And last Saturday, Romney’s wife, Ann, took her walk for the cure, moving side by side with other women in Orlando, Florida.

Mrs. Romney has a unique compassion for this cause, since she battled with her own diagnosis in early 2009, just after President Obama took office. “I had ductal carcinoma, which is DCIS,” she sad. “Stage zero, which meant, for me, I had surgery, and I had radiation, but I did not have to do chemo because it was a stage zero. So again, it was early diagnosis that prevented me from having to have chemotherapy.”

Early diagnosis is key here. She was able to catch the disease before it reached any significance. And that’s part of the reason she joined hands with other men and women: to voice her support for preventative care. Other women in her family have been lost to battles with cancer, including her mother, grandmother, and great grandmother.

Preventative care requires affordable health insurance. Our individual and family plans are a step ahead of the competition, so contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.

Marketing Pinktober to the Masses

Posted October 11th, 2012, in Cancer Insurance, Diabetes, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

For every good intentioned and health related marketing campaign, there is a fine line between the original goal and the money that ultimately shifts from non-profit idealism to for-profit obsession. Breast Cancer Awareness Month can sometimes feel like Christmas for those who work in an industry that already sells pink. How better to market your pink products then to draw a connection between what you sell and a cause that, we believe, will actually help find a cure for breast cancer. The fact that October has become a lightning rod for breast cancer awareness is remarkable, but many in the health profession are left wondering about the other 86 percent of Americans who have a different form of cancer and are just as scared by the challenges that come from an incurable disease.

Breast cancer will take the life of less than 10% of all cancer patients, yet we have no similar months for the awareness of Prostate, Colon, or Pancreatic cancers. Tragically, in the 20 years that the country has focused on breast cancer awareness, the number of deaths by breast cancer have not seriously gone up or down. Considering how much money goes into Pinktober, most of us who measure things by the numbers would call these results abysmal.

Breast cancer awareness and prevention is a matter to take seriously. No one denies this. But we mustn’t forget the many other mothers, fathers, sons, and daughters who face tremendous fears of their own, through cancers that do not garner an entire month of attention. If you need affordable access to health care and wish to have yourself checked for any number of causes, then look no further. Our individual and family plans are a step ahead of the competition, so contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.

A Story that Makes an Impact

Posted October 5th, 2012, in Cancer Insurance, Diabetes, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

Ruth Arnold is a testament of faith and commitment, but she’s also become the annual Breast Cancer Awareness representative in her community for early detection, urging women in her church and elsewhere throughout Mobile, Alabama to have themselves tested. Arnold, who is 73 years old this year, had been checking herself regularly for years, but then she got busy in 2009 and let that self-examination slide for several months. When she finally got around to it, not only was there a lump, but the lump itself was the size of a large plum. And after an official examination from her gynecologist, Arnold was informed that she had Stage 2 invasive breast cancer, an absolute shock for someone who had normally stayed on top her own health and only became lax for a few months.

Today, Arnold is a breast cancer survivor who tells an amazing story to everyone she meets. At her age, Arnold admits that the chemotherapy, which lasted 12 months, was probably the most difficult part of the process. But she was not alone. Perhaps the greatest benefit of Breast Cancer Awareness Month, which has been happening every October for more than 25 years, is that it brings women together in support of one another. Even moreso, with so much attention around the nation and the world, fathers, sons, and brothers learn how to best support the women they love most in the world, so breast cancer is a problem that far more women are overcoming than ever before.

Arnold has a story that makes an impact. And for those women who need access to good health care, First Preferred is committed to helping you find affordable insurance. Our individual and family plans are a step ahead of the competition, so contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.

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