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Wisconsin’s state health plan among richest

Posted August 12th, 2014, in Health Insurance, News, Uncategorized by Tim Keyes

Wisconsin’s state health plan among richest

By SCOTT BAUER, Associated Press
MADISON, Wis. (AP) — Wisconsin state employees have one of the richest health insurance plans in the country, and also pay among the highest premiums for that coverage, according to a new report released Tuesday by the Pew Charitable Trusts.

The report studying public worker plans comes as states are looking at ways to control growing public employee health insurance costs.

On average, state health plans nationwide paid 92 percent of a typical enrollee’s health care costs last year. In Wisconsin, that was 97 percent, making it richer than the average plans offered for sale under the federal health care law and better than what most private employers provide.

Only Connecticut had a higher actuarial value, at 98 percent, while four other states were the same as Wisconsin at 97 percent, according to the report.  Continue Reading Here

Too poor for Obamacare

Posted April 21st, 2014, in Medicare, News, Preexisting Conditions, Uncategorized by Tim Keyes

Millions of Americans fall into the ‘coverage gap’ where they do not get Medicaid, but are too poor to qualify for federal subsidies on the new insurance exchanges.


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 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.

Obesity and Depression Linked to Daytime Drowsiness

Posted December 14th, 2012, in Eating Healthy, Health Insurance, News, Obesity Insurance, Uncategorized by Frank Mossucco

A recent study by the National Sleep Foundation found that obesity or depression can cause people to feel excessively sleepy during daylight hours, affecting about 20% of American adults.

Alexandros Vgontzas, MD, professor of psychiatry presented his findings from three studies at the annual meeting for Associated Professional Sleep Societies in Boston. ”We found that depression and obesity were the strongest risk factors for being tired and sleepy,” he said.

On the bright side, he also found that people who lost weight became less tired and sleepy during the day.

One of his studies examined 1,173 patients who weren’t excessively sleepy during the day – researchers tracked their body mass index (BMI) and blood pressure and tested them for depression and sleep apnea.

During the lifetime of the study, 8% of subjects developed excessive drowsiness during the day. Specifically, researchers found that patients were there times more likely to become sleepy during the day if they were depressed and twice as likely for those who are obese or have sleep apnea.

Another study found that daytime sleepiness was more likely to occur in people with a higher BMI and also that when the condition lasted for an extended period of time, people affected by it were more likely to gain weight.

Eating healthy and getting adequate sleep are basic components of living a healthy life. If you need obese insurance, sleep apnea insurance, high blood pressure health insurance or another form of reliable coverage, contact First Preferred today. We specialize in matching people with the best plans for their needs at affordable prices.

Americans Struggle to Afford Health Care

Posted June 29th, 2012, in Health Insurance, News, Obesity Insurance, Uncategorized by Frank Mossucco

A recent May poll by the Kaiser Family Foundation determined 1 in 4 Americans struggled to pay to pay  medical bills within the past year, while 60% had willingly decided against receiving medical care as a way of cutting corners. Some of the most common examples of these cost-cutting measures were substituting home-remedies or over-the-counter drugs for going to the doctor or skipping regular checkups at the dentist.

Interestingly, half of all adults surveyed who did not have  health insurance, reported problems paying medical expenses last year, compared to a quarter of adults with insurance who also endured financial hardships with medical bills. At the same time, the majority of adults with health insurance claimed to have delayed or neglected health care last year due to the costs.

This study clearly shows that Americans are all affected by health care costs, whether or not they have coverage. It’s sad that even those lucky enough to have insurance often choose to put off their own needs because they’re concerned about the costs. Now, more than ever, it seems like everyone is struggling to find affordable health insurance.

The Supreme Court will announce its ruling on the constitutionality of the Patient Protection and Affordable Care Act this week – a plan designed to expand coverage to 30 million Americans. Although, it’s possible the law may not pass.

Regardless of the outcome, First Preferred continues to offer quality coverage including, family health insurance, medical insurance for kids, obese insurance and a variety of other reliable plans. Contact us today to learn more and obtain a quote.

More Young Adults Have Health Insurance

Posted June 28th, 2012, in Health Insurance, News, Preexisting Conditions, Uncategorized by Frank Mossucco

Out of all the different components of President Obama’s 2010 Patient Protection and Affordable Care Act (PPACA), from the individual mandate to the establishment of state-based health exchanges, perhaps the most popular provision in the bill that allows young adults to remain on their parents’ employer-based health insurance until age 26.

The Department of Health and Human Services projects that 3.1 million young people from age 19 to 25 now have health coverage, a significant increase from December 2011 when 2.5 million young adults had gained coverage.

According to HHS Secretary Kathleen Sebelius, “This policy doesn’t just give young adults and their families peace of mind, it also gives them freedom. They will be free to make choices based on what they want to do, not on where they can get health insurance.”

Not only are consumers happy, but some insurers like Humana, Aetna and UnitedHealth Group have all stated they will continue to offer these plans, regardless of any decision the Supreme court makes.

Most of the country has been impacted by a lack of jobs due to the recession, but before the PPACA was passed into law, young people were lacking jobs and adequate health insurance.

If the children are the future, then they need reliable health care, like the plans at First Preferred. Whether you need insurance that covers pre existing conditions, student health insurance, high blood pressure health insurance, coverage for diabetes or another form of affordable health insurance, we’re here to help with plans that are designed to meet your needs, even if you’ve been denied health insurance before.

Health Care to Compose 20% of Economy by 2021

Posted June 26th, 2012, in Health Insurance, News, Preexisting Conditions, Uncategorized by Frank Mossucco

Between health care reform changes spearheaded by President Obama and factors such as an aging population and a slowly improving economy, spending on health care will make up 20% of the U.S. economy by 2021.

In 2011, costs for hospital trips, prescription medication and other health care rose 3.9% and totaled a shade under 18% of the country’s gross domestic product. By 2014, increases on health care spending are projected to outpace economic growth at 7.4% – the same year that several components of the Patient Protection and Affordable Care Act would become effective, if the law is upheld by the Supreme Court later this month.

Obama’s allies and Republicans have sparred over how feasible it is to implement an “individual mandate” to expand health insurance coverage to 30 million Americans while also reducing medical spending. A study by the journal Health Affairs concluded that expanding coverage would increase the average annual health spending .1% through 2021.

“The real mystery is, what happens once we get past this projection period, when things have the real potential for spending going way out of control?” said Joe Santos of the Congressional Budget Office and American Enterprise Institute.

Millions of Americans share the same concern – maintaining affordable health insurance with the coverage they need.

First Preferred has an A+ rating from the Better Business Bureau. We offer preexisting conditions insurance plans, obese insurance sleep apnea insurance and several other types of coverage you can count on

Contact us today to obtain a quote and discover more about our plans that are designed to meet the needs of you and your family.

A Historic Week for Health Care

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

This week will mark a major turning point in the history of U.S. health care when the Supreme Court reveals its decision on the constitutionality of the Patient Protection and Affordable Care Act (PPACA). Even if the overall law is upheld, certain components such as an “individual mandate” requiring nearly all Americans to obtain health insurance could be struck down.

To date, the PPACA has impacted the health care landscape by allowing more than 3 million young adults to remain on their parents’ health insurance until age 26. Billions of dollars have also been sent to community centers across the country to boost Medicare funding for the poor and uninsured. A handful of states have started to create health exchanges or online marketplaces where individuals and small businesses can review and compare health plans, as well as purchase coverage.

The bill was signed into law in 2010 in response to every-rising medical costs and to create ways to make the system more accessible to average people. One piece of the law, if upheld, calls for insurers to cease rejecting prospective customers due to pre-existing conditions, a rule that should’ve been enacted a long time ago.

If the law is passed, it could expand coverage to an additional 30 million Americans. Regardless of any decision on the law, today there are millions of people struggling to find affordable health insurance.

First Preferred is here to help with a variety of plans, including insurance that covers pre existing conditions, obese insurance, coverage for diabetes, individual health insurance and more. We specialize in matching people with the best plans for their needs – contact us now to obtain a quote.

Health Care Reform in Washington State

Posted June 22nd, 2012, in Health Insurance, News, Preexisting Conditions, Uncategorized by Frank Mossucco

As the nation waits to discover the Supreme Court’s ruling on the constitutionality of the Patient Protection and Affordable Care Act, including the verdict on an individual health insurance mandate, it’s worth noting the recent history of health care reform in Washington state.

In 1993,  health reform legislation was approved in the legislature that gave all Washingtonians guaranteed access to private health care – under the plan, everyone would be accepted, regardless of their health, but they would also be required to purchase individual insurance.

Two years later, the individual health insurance mandate was repealed while the promise of guaranteed access to all residents stayed intact. After that, premiums began to rise and enrollment dropped as customers only purchased plans when they were needed. By 1999, insurers had fled the state and individual insurance became an afterthought in Washington.

According to MIT health-care economist Jonathan Gruber,“There are seven states that tried this in the mid-1990s and, in every case, it was a disaster. It became pretty clear that, if you want a market to work, you need a mandate.”

What’s remains a very real possibility is that the court will do just that – reject the individual mandate while upholding other tenets of the law.

If that happens, the health care industry could experience ripple effects in every state. But, First Preferred will continue to offer affordable coverage, like preexisting conditions insurance plans, indemnity medical insurance, family health insurance and many other reliable plans.

Contact us today for a quote, even if you’ve been denied health insurance in the past.

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