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New York Gov. Proposes Expanded Health Insurance for Dependents
 Keith L. Martin of the Insurance and Financial Advisor just reported on a new proposal by Governor David Paterson regarding New York health insurance. He wants to expand health care coverage by mandating that health insurance companies cover policy dependents up to age 29, at the policyholder’s own expense. Currently, parents’ health insurance plans in New York state cover their children until they are either 18 if they aren’t enrolled in college, or 22 years old if they are.
This age group is at increased risk for being without health insurance: many 19-to-29 year olds are either unemployed and struggling to find jobs, laid off, or working in positions that don’t offer health insurance. Individual health plans are usually far more expensive than group coverage.
Paterson’s legislation will address those issues, in addition to possible provisions for any grandchildren of the policyholder. Keith says that this proposal is a step towards universal health care reform by controlling medical costs and including a large group of generally healthy people in the pool to spread risk. This demographic is a low-risk pool for insurers, but could have a negative effect on smaller employers.
(Photo credit: jimbowen0306 under CC 2.0)
Source: Health Insurance Blog
The Medical Mutual Liability Insurance of Maryland?
Aug 31, 2007 by Rosita D | Posted in Insurance
If the Med-Mutual does not give you the equivalent protection under the law despite the huge premiun that you pay. Can you file a lawsuit against Med- Mutual for giving bad advices and providing incompetent lawyers to your case?
What does that mean, they don't give you "equivalent protection under the law". The protection they GIVE you is outlined in your POLICY CONTRACT. You need to READ THE CONTRACT. You can get sample policy forms, BEFORE you buy the policy.
Are they really giving you ADVICE? I doubt it. Regarding incompetant lawyers - if they have many of them, they'll lose most of their cases. Just because you don't like what the lawyer is doing does NOT make them incompetant. Most insurance companies FIRE incompetant lawyers, as they cost them too much money.
Here in the US, you can sue anyone for anything. But you'll have to pay your lawyer up front. Good luck on that. And remember, there aren't exactly a ton of insurance companies just dying to write med mal coverage, in ANY state. MOST states have three OR LESS. It's not exactly a profitable line of coverage - that's why your PREMIUMS are so high.
mbrcatz | Sep 01, 2007
I am expecting twins, my work insurance only covers $8000/year in medical expenses. do i have any options?
Dec 07, 2007 by Michael A | Posted in Insurance
They are twins and I live in Maryland
$8000 yearly maximum seems low. Are you sure that's not your maximum yearly out of pocket? That would make more sense. Maximum yeary out of pocket includes any deductibles and copays you pay - once you hit that total, you don't shell out another dime for the year.
My advice would be to double check that. If it's truly only $8000 in a year in coverage, once they're born, you should get them on to a child's plan. (Here in NY, it's called Child Health Plus - I'm sure Maryland has something similar.)
zippythejessi | Dec 07, 2007
Can one's medical information and treatment records be obtained by third parties?
Jun 01, 2007 by sweetpea | Posted in Other - Health
Is there a company used by insurance companies that keeps all medical information on file - in other words, if one pays for treatment through insurance, might there be a depository somewhere that has your medical records and information relating to such treatment on file? I heard that there's such a depository of information in Virginia or Maryland.
everytime you go to a doctor you sign a release form. try reading it someday. it clearly states that you are allowing to releasing of information to parties concerned.
Carl P | Jun 01, 2007
COBRA Too Costly for Many Unemployed, Report Finds - Washington Post
10.01.09
Because few people can afford that, the authors say, the result is a growing number of people being hit with the double whammy of no job and no health coverage. In 1985, Congress passed legislation enabling newly unemployed Americans to extend their employer-based health insurance for up to 18 months. But under the program, known as COBRA, the individual must pay 102 percent of the policy's full cost. "COBRA health coverage is great in theory and lousy in reality," said Ron Pollack , whose liberal advocacy group, Families USA , published the analysis. "For the vast majority of workers who are laid off, they and their families are likely to join the ranks of the uninsured." A health insurance policy for the typical single person consumes 30 percent of the average unemployment benefit, the survey found. In the District, Maryland and Virginia, the price of a standard COBRA family plan is three-fourths of the average unemployment check. News yesterday that the unemployment rate jumped to 7.2 percent adds urgency to the problem, Pollack said, because employment and health insurance are often intertwined.
Source: Washington Post, United States
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Maryland medical insurance - News
COBRA Too Costly for Many Unemployed, Report Finds - Washington Post
Washington Post, United States - Jan 10, 2009
ABC NewsCOBRA Too Costly for Many Unemployed, Report Finds A health insurance policy for the typical single person consumes 30 percent of the average unemployment benefit, the survey found. In the District, Maryland Report: Health coverage eats up unemployment benefits Health coverage after a layoff
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Maryland Health Insurance Plan cuts premiums - Bizjournals.com
Bizjournals.com, NC - Jan 08, 2009
Maryland Health Insurance Plan cuts premiums The Maryland Health Insurance Plan said Wednesday it will offer reduced premiums for individuals and families with limited income.
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Obama Plan for Government Insurance Draws Criticism
Bloomberg - Jan 08, 2009
Senator Barbara Mikulski, a Maryland Democrat, said decisions at the FDA have become “politicized,” and asked Daschle how he would “reinvigorate” the FDA
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Maryland Health Insurance Plan reducing premiums for members with ... - IFAwebnews.com
IFAwebnews.com, MD - Jan 08, 2009
Maryland Health Insurance Plan reducing premiums for members with Maryland Gov. Martin O’Malley has announced that the Maryland Health Insurance Plan will reduce premiums for its limited income members, which will benefit
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Lobbyists Find Job Security In Crunch - Washington Post
Washington Post, United States - Jan 10, 2009
Lobbyists Find Job Security In Crunch One of the funding sources for the league is Medicaid, the joint federal-state health insurance program whose beneficiaries include nursing homes and
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