Insurance In The Light

Doctors Want Out? Healthcare Without Health Insurance

I regularly check John Goodman's Healthpolicy Blog.  I offered my comments on Goodman's post on April 18th, Healthcare Without Health Insurance centered around a Los Angeles Times Op/Ed written by Dr. Albert Fuchs of Beverly Hills, CA.

Eliminating the middleman, as Dr. Fuchs refers to insurance companies, is a little misplaced.  Eliminating the network contracts, which set prices paid to doctors and hospitals for their services, is what he really seeks.  And, he gets!

Dr. Fuchs revelation is really none at all.  In the 1950s and 1960s, insurance companies offered Hospitalization Insurance which covered nothing related to seeing a doctor.  Patients paid the doctor out of their own pocket.  Doctors lived in the neighborhood and made house calls.

My full comments follow.

What's In An HMO?

Health Maintenance Organizations, HMOs, have changed a great deal since their beginnings to the point that the majority are now merely Preferred Provider Organizations, PPOs, with no out of network benefits.

Start-Up Insurance Basics

In order to actually hit the street with your new business, you'll need some basic insurance.  Some of the coverage is required by vendors, contractors, regulators and others.

Group v. Individual: How HIPAA Can Help

How can a small business owner get a better rate with a new health insurance company when they are being treated for a serious condition right now?  Simple.  Get a group policy and leave the individual policy behind.  HIPPA makes it easy.

Health Insurance Is Not Health Care

Don't confuse Health Insurance with Health Care.  Though some insurers include health care in their name and advertising, they simply do not provide any care.  And you should not expect them to.  It's a marketing tool at best and disingenuous at worst.

Insurance Cost Fundamentals

Learn how every dollar of insurance you spend is utilized by the insurance company in very general terms.

Relevant and Easy to Digest Information About Insurance

Here it is!

Insurance In the Light.  Providing small business and individuals with relevant insurance information that isn't from the shadows or spoken in a foreign language.