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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….

American Diabetes Month

Posted November 2nd, 2013, in Diabetes, Eating Healthy, News, Obesity Insurance by Frank Mossucco

November being  Diabetes month so please check out the great work that American Diabetes Association does.

American Diabetes Month® 2013 Overview

One of the American Diabetes Association’s primary objectives is to raise awareness and understanding of
diabetes, its consequences, management and prevention of type 2 diabetes. American Diabetes Month is an
important element in this effort, with programs designed to focus the nation’s attention on the issues
surrounding diabetes and the people impacted by the disease. In 2012, the Association launched a socially
focused initiative for American Diabetes Month called A Day in the Life of Diabetes, to demonstrate the impact
diabetes has on our families and communities across the country.

In 2013, the American Diabetes Association will continue to grow the campaign with a host of online and
offline program elements. The movement to Stop Diabetes® is not over and we will continue to call for
individuals to take a public stand via the Association’s social media channels and other online properties, to
support us in this movement. Using imagery, the power of social engagement and our celebrity outreach
channels, we will continue to shine a light on the issue of diabetes and those who live with it each and every
day, as well as the Association and corporations focused on stopping this insidious disease.

Read 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.

 

Fat and Thin Find Common Ground

Posted October 15th, 2013, in Diabetes, Eating Healthy, Health Insurance, Obesity Insurance by Frank Mossucco

By ABBY ELLIN

Fat and ThinStuart Bradford

When binge eating disorder gained legitimacy as a full-fledged mental condition in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders in May, many people in the eating disorders and obesity communities wondered: Will this inspire us to finally get along?

It was a good question, since historically, the two groups have been at odds.

Unlike people with anorexia or bulimia, who tend to be excessively thin, many binge eaters are overweight or obese. And much of the focus of anti-obesity efforts — listing calories at restaurants, banning cupcakes in schools, sending students home with body mass index “report cards” — are decried by eating disorder activists, who say such measures can encourage anorexia or bulimia.

Anti-obesity activists, in turn, worry that the eating disorder community minimizes the medical risks of obesity, which the American Medical Association classified as a disease in June, and plays down the discrimination many obese people face.

“They come out of different traditions,” said Kelly Brownell, dean of the Sanford School of Public Policy at Duke University. “Obesity was mainly dealt with in medical professions, and eating disorders were dealt with more in psychology professions.”

But binge eating disorder, symptoms of which include consuming enormous amounts of food in a two-hour window without purging at least once a week for three months, could bridge the gap between the two worlds, while also reducing the stereotype that only thin people suffer from eating disorders. READ MORE

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 Most Anxiety Prone?

Posted February 11th, 2013, in Diabetes, Eating Healthy, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

Each year, the American Psychological Association (APA) conducts a nationwide Stress in America survey, which provides an indication about who is most vulnerable and what areas of the American psyche that we need to clamp down our anxieties. This year’s survey provided quite a bit for those of us who provide and receive health care.

According to the APA survey, men and women tend to experience and manage stress quite differently. Neither gender pretends to be an expert at managing their stress, but women certainly believe themselves to be in worse shape. On a scale of 1 to 10, 23% of women say their average level of stress is at either an 8, 9, or 10. By contrast, only 16% of men declare such a high level of stress.

What both genders have in common is that they often seek out the same remedies for their anxiety: exercise and music. On the other hand, there is a sharp divergence regarding other remedies, such as reading (50% of women, 29% of men) or shopping (18% of women, 6% of men).

The causes of that stress are almost identical, based on the survey:

“Top sources of stress are the same for men and women, including money (66 percent and 72 percent), work (64 percent and 66 percent) and the economy (60 percent and 62 percent).”

First Preferred wants to ensure that you are managing your stress with the help of a qualified physician. 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 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.

Amy Ryan, Shot, and Living with Diabetes

Posted February 7th, 2013, in Diabetes, Eating Healthy, Health Insurance, Obesity Insurance, Preexisting Conditions by Frank Mossucco

Last month, author Amy Ryan published a new book on the challenging, often overlooked hurdles that come from living with Type 1 Diabetes. The book, called Shot: Staying Alive with Diabetes, presents a well documented, personal experience from Ryan herself.

Shot is the intimate portrait of a young woman’s sudden transition to a life of insulin dependence. Treatment for a routine infection one Monday morning yielded, with stunning speed, to a glucose monitor, test strips, and a life-altering diagnosis of Type I Diabetes. In Shot, Amy Ryan shows what it really takes to live with and manage an incurable disease. She charts the essential duties that keep her stable while revealing the daily concerns, the simple rewards and victories, the fears of highs and lows, and the psychological strain of depending on herself, a drug, and a network of health care providers to stay alive with diabetes. People who manage life-threatening diseases will recognize their own struggles in Amy’s compelling story. The millions who care for and support family, friends, or patients with diabetes will have their eyes opened to the human side of living with a chronic condition.”

The story of Amy Ryan is incredibly real, but hers is not the only tale of survival and victory in the face of diabetic hardships. Many of you, our readers, have gone through unimaginable challenges as you fight Type I Diabetes. Others may feel that there is still a long road to climb before confidence can be restored. We hope, in it all, that you have the assurance of a good doctor and a medical expert who cares. Our job at First Preferred is to make an affordable way for you to find that caring expert.

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.

Granola Bars, Not Candy Bars

Posted February 6th, 2013, in Diabetes, Eating Healthy, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

High schools across the United States are preparing to undergo a major adjustment within the slots of their student accessible vending machines, if one group has its way. Instead of candy bars and twizzlers, snacks would have to be no more than 200 calories, a nutrition criteria endorsed by the U.S. Department of Agriculture (USDA). Not long ago, parents and students were up in arms about the enforcement of legislation that altered school lunches, fearing that there might be further restrictions on outside functions like bake sales or girl scout cookie sales.

But unlike the law, this is more of a recommendation that the public is urged to consider.

“Parents and teachers work hard to instill healthy eating habits in our kids, and these efforts should be supported when kids walk through the schoolhouse door,” said Agriculture Secretary Tom Vilsack. “Good nutrition lays the groundwork for good health and academic success. Providing healthy options throughout school cafeterias, vending machines, and snack bars will complement the gains made with the new, healthy standards for school breakfast and lunch so the healthy choice is the easy choice for our kids.”

States are really being encouraged to serve as the driving force behind any direct legislation. This isn’t a one-size-fits-all recommendation. The USDA fully recognizes that the local communities are more closely connected with the things that their students need to be healthy.

As these states and communities begin to make decisions about minimizing high calorie snacks from the vending machine, we invite you to also begin making some decisions about health care for your family. 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.

Vaccine Seekers, Beware

Posted February 5th, 2013, in Diabetes, Health Insurance, Obesity Insurance, Preexisting Conditions by Frank Mossucco

Although we wish that the nature of mankind was always good, our reality is quite different. And sadly, with a rise in flu cases over the last year, there are many individuals and organizations now trying to scam consumers with false or misleading vaccines. On Friday, the Food and Drug Administration (FDA) issued a warning to U.S. consumers about the fraudulent products that are being peddled to an unsuspecting public.

According to Mary Malarkey, one of the voices from the FDA, “These unproven products give consumers a false sense of security. There is no need to buy a product that claims to be an alternative to the vaccine. Flu vaccine is still available and it’s not too late to get vaccinated.” Among these misleading flu products is GermBullet, which claims to be a nasal inhaler that prevents the flu. Not so, argued the Federal Trade Commission, warning the company to change their false and consequential marketing plan.

Still, the problem is not always with pharmaceutical companies. Sometimes, the issue has more to do with online pharmacies that take advantage of consumers who are looking for more affordable alternatives. Websites that are trying to market or sell products like Tamiflu and Relenza as generically compared to anything else. The FDA wants consumers to know quite explicitly that there are “currently no FDA-approved generics available for these drugs on the U.S. market.”

As always, First Preferred wants customers to remember that it’s never too late to get a flu shot. But this requires getting into contact with your doctor. 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.

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