Despre Paris am mai scris. Poate, pentru ca este orasul de care nu ma satur oricat l-as vizita: imi plac plimbarile pe Champs Elysees pana la Louvre, ador stradutele inguste si inclinate din cartierul Montmartre, iubesc monumentele si cladirile a caror frumusete te lasa fara grai…
Tibidabo este muntele care vegheaza Barcelona, de la 512 metri inaltime. Localizat in partea de nord – vest, ofera o priveliste spectaculoasa asupra orasului si a coastei. De asemenea, muntele mai gazduieste si un parc de distractii, un turn de telecomunicatii si o biserica.
Posted by Stefanie MartyThe average cost of a family policy offered by employers was $13,375 this year, up 5% from 2008, the Kaiser Family Foundation and the Health Research & Educational Trust survey found. By comparison, wages rose 3% over that period, the study said.
The new numbers underscore warnings by President Obama about the growing cost of health insurance and were embraced by Democratic lawmakers who are pushing for legislation to change the nation's health care system. "The trends are crushing millions of businesses and American families," Senate Majority Leader Harry Reid of Nevada said.
Written by Stefanie MartyIn recent years health insurance premiums have raised rapidly what eat up a big part of the middle class’s income. In 2008, the average premium for family coverage was $12,298 and if premiums for employer-sponsored insurance increase in each state at the projected national rate this premium for family coverage would raise to $23,842 by 2020. This equals a 94 percent increase in 12 years. Looking in the short-term according to the Office of Personnel Management, federal employees’ health insurance premiums will raise 8.8 percent on average in January of 2010. This represents the largest increase since 2004.
You might ask yourself why the health insurance premiums are increasing that fast. One reason is the increase of medical costs. For every year the insurer estimates its costs by developing profiles of its patients and calculates the cost of that profiled patient. There are many different profiles, e.g. kids, teenagers or seniors, each with different medical needs and thus different costs. The insurer will find the average cost per patient or family, a figure that represents the premium paid the insured. Regardless of the medical condition, each individual or family will pay the same premium amount. This might seem unfair to healthy people, who pay much more in premium than they would pay in actual medical expenses. On the other hand, people who are sick or injured quite often or people who are older pay less in premium than their actual health cost would be. All these people are paying insurance premiums to not bear any risk in case of any incident.
Our population is aging what is equivalent with the fact that the whole population needs more health care. Thus the premiums increase and fewer people can’t afford this cost for health insurance. Now less people purchase insurance and the cost of health insurance is spread across the whole population what in turn leads to higher premiums again.
By: Scott Graulich
On the eve of the vote on the Senate Finance Committee's health care reform bill, the insurance industry released a report saying that it would increase premiums.
The report, and the reaction to it, reveals a great deal – about health care reform and the state of political discussion in the United States.
The analysis was done by PricewaterhouseCoopers for America's Health Insurance plans, a trade group. It looked at the effect of several provisions of the Senate Finance bill on premiums. Two are of particular note: requiring insurance companies to cover everyone without any medical underwriting, coupled with a weak mandate that all individuals purchase insurance; and the 40 percent tax on high-value plans.
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By Ka Lee Angel Lee
Written by: Andrew Pia
Happy Birthday to sis Pia Go Olano. May the abundance of God's blessings and grace be showered upon you and your loved ones on your very special day and all throughout the year. May the Lord grant you all of your heart's desires. God bless you always my dear friend.
It is more and more common to hear of American’s struggling to pay health care insurance and the ridiculous fees associated with it. Insurance companies are getting more and more particular about what qualifies as a acceptable health care candidate.
In a news story by Mark Rubi in“Extreme Weight Loss Examiner”, an infant American boy was denied health care insurance just for being “obese”. At 2-months, this baby is in the 95th percentile for weight. However, the weight is in proportion to his 95th percentile height as well. Health insurers are not used to parents applying directly for coverage for their kids instead of parent's employers automatically paying for health insurance. Therefore, health insurance agencies are new to the situation of having separate health insurance plans for kids and their parents. Finding a loophole forced CareFirst to change their coverage plan to include child applicants, despite their weight.
Regardless of political support, many American’s do support Obama for the health care reform. According to John Hewko’s article in the Washington Post, he has experienced first-hand the “dysfunctional system” concerning America’s health care. An application that submitted by a completely healthy, 51-year old was not approved. "Apparently, being healthy and physically fit is not good enough for CareFirst”. The individual has a mild case of hypertension and stiff shoulders, which are easily cured by a small dosage of medicine and Advil. Though most people of that age group have these symptoms, this does not stop the insurance company from taking full advantage of this. These conditions were not means for higher premiums, but a complete denial.
For those employed Americans who are not affected by the health insurances because of employee benefits, they should remember that a job loss and a few mild symptoms leave them susceptible to the current health coverage problems that currently exist.
