Regence health insurance

Though there’s no cure for Swine Flu, the H1N1 Vaccine, available now, reduces the risk of infection. Trials supervised by the National Institutes of Health found that a single dose of the H1N1 vaccine is enough to grant immunity in adults in only three weeks. According to the Los Angeles Times, California has 2,700 hospitalizations and 206 deaths from H1N1. However, the National Institute of Allergy and Infectious Diseases says, "the 2009 H1N1 viruses cause generally mild disease but also spread between individuals relatively effectively." Although more people may become ill from Swine Flu, fewer will die from it than from regular, seasonal flu.

Should you get vaccinated against H1N1? If you don’t want to miss several days or weeks of work due to respiratory illness, or worry about developing a "pre-existing condition" for which you might be denied health insurance, you might answer yes.

Health insurance premiums in California and nationwide, rise primarily due to four major reasons:
1. Advances in medical technology means higher claims costs.
2. Price inflation for medical services is greater and exceeds inflation in other sectors of the economy.
3. Health Insurance Costs shift from the uninsured and those receiving Medicare and Medicaid over to the private sector
4. Consumer lifestyles, such as smoking, physical inactivity, obesity and heart disease.

The bill gives tax credits to low- and middle-class individuals and families to help offset the expense of purchasing health insurance. It also expands Medicaid. Its greatest strength, however, lies in its design to restructure the privatized insurance system, which currently allows for insurance companies to deny coverage for, or based on, pre-existing conditions, raise rates arbitrarily, and cancel policies altogether when injury or disease prove to be costly to treat.

One of the bills weaknesses is the requirement that employers who don’t, or can’t, offer a health insurance package to employees cover the additional costs for the government-subsidized coverage employees may qualify for. Another weakness, according to Ryan Grim at the Huffington Post: "The package, coming in at under $900 billion over 10 years, is the least generous in terms of subsidies for working- and middle-class Americans to purchase health insurance, and it does not include a national public health insurance option."
The over-arching goal seems to be to start with something, anything that may lead to more aggressive health care reform down the line, reform that will be easier to both organize and

Today, however, the U.S. Census Bureau puts the number of uninsured Americans at 46.3 million. 37% of Californians, or about twelve million of those Americans, were without health insurance during some or all of 2007 and 2008, according to familiesusa.org, and that number has likely increased in tandem with the increase in unemployment. In Los Angeles, more than two million people are living without health insurance, a figure that reflects LA County’s standing as having the third highest rate of uninsured among all major American cities.

On Todd’s Health Care website is a link for California Residents to receive a FREE ONLINE QUOTE. Todd makes himself available for phone consultations and advice. If you live in the Southern California, Los Angeles Region you can call him at (323) 464-TODD (8633) or write to him at toddshealthinsurance@gmail.com.




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