Sofi Insurance Offering More Health Insurance Options

Posted on: April 13th, 2012 by SamTabes No Comments

Sofi Insurance, a health insurance company out of California, is trying to give residents more options when it comes to finding health insurance policies.  Sofi is looking to revolutionize the buying process through an entire new process.  Their rate and coverage comparison system aims to put the power back into the laps of consumers so they can make more informed decisions when buying health insurance.

Health insurance continues to be a hot topic throughout the nation and for good reason.  Health care is bankrupting families and according to the American Journal of Medicine medicals bills are the leading cause of personal bankruptcies in the nation.  This staggering statistic shows there is a flaw in the system and Sofi is trying to help.  Sofi Insurance’s has a three step program for buying insurance that should simplify the health insurance buying process for California residents.  Users simply enter in basic information about themselves to obtain health insurance options and they can even buy a policy online.  It’s important that insurers recognize the need for better strategies for finding life insurance because consumers are drowning in information and health care bills.  This is definitely a step in the right direction.

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Highmark BCBS Restricting Some Plans

Posted on: April 9th, 2012 by SamTabes No Comments

Highmark Blue Cross Blue Shield recently announced that they are offering a new health plan which requires subscribers to pay higher deductibles and co-pays if they go to UPMC Hamot and some of their doctors.  The plan is called Highmark’s Choice Blue and it will be available as of July 1.  This comes soon after UPMC Health Plan started their Inside Advantage plan which increases the costs for members who attend any Erie or Crawford county acute care hospital other than Hamot according to David Bruce’s article on GoErie.com.

David Dausey, chairman of Mercyhurst University’s public health department sees this as the next hit in the battle between Highmark and UPMC.  There has been some debate between the two companies since March 2011 when UPMC stopped negotiating a new provider’s contract with the health insurance company.  Lisa Koshan, Highmark’s director of client management in Erie downplayed the battle by pointing out that this will provide lower premiums for members which is what they are ultimately asking for.

Choice Blue premiums will be about 3-18% less when compared to similar Highmark plans.  Inside Advantage premiums are 15-22% less than similar UPMC plans according to Ki Kim, UPMC Health Plan’s sales manager for Erie.  Kim also pointed out that restrictive plans are getting more popular with smaller businesses who cannot afford the top notch plans for their employees.  They have already signed 20-25 groups and are planning on more enrollment throughout the year.

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Florida Blue: Blue Cross Blue Shield of Florida Changing Name

Posted on: April 6th, 2012 by SamTabes No Comments

Blue Cross Blue Shield of Florida has simplified their name to Florida Blue in their new rebranding campaign for 2012.  Mark Lee, vice president of brand development for the company, talks about how this decision was considered carefully.  A lot of research was done and much thought went into making this important decision.

Florida Blue is Florida’s largest insurer and the name change may cause some confusion in the beginning of the rollout.  With 4 million members, Florida Blue is working hard to get the word out.  The company has been in Florida for almost 70 years making it part of the Florida culture.  The name change was implemented in an effort for the insurer to be more consumer friendly and attract a wider base of consumers.

According to the article by Marni Jameson from the Orlando Sentinel, Florida Blue retail centers are already throughout the state connecting with members in the community.  The friendlier name appeals to a wider base of customers and is reaching more retail consumers.  BlueCross Blue Shield of Florida will still exist as a legal entity, but consumers will have a new name to relate to.  It won’t be surprising if Florida Blue members meet a bit of confusion as the name and logo of their insurer switches, but they are to be assured quality health insurance products and top notch customer service is still a top priority.

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Geisinger Health Plan Reduces Readmissions by 44%

Posted on: April 4th, 2012 by SamTabes No Comments

Geisinger Health Plan has worked hard to reduce their readmissions rate and they recently succeeded through their innovative monitoring program.  The company recently announced that their remote monitoring program which uses interactive voice response (IVR) and other telemonitoring aspects to help case managers decreased hospital readmissions by an impressive 44%.  Geisinger Health Plan members could see an overall change in care after discharge based on these results.

The Geisinger Monitoring Program (GMP) has proven to be productive as it uses a range of technologies for remote monitoring.  Telehealth AMC Health designed this system to increase the number of interactions patients have with care-givers after they are discharged from the hospital according to Chris Anderson’s article found on HealthCareFinanceNews.com.  The program was designed for two years to see if the use of IVR technology for some of the Geisinger Health Plan patients would decrease readmissions when compared to patients not receiving this additional care.

Joanna Sciandra, RN, BSN, director of case management and strategic planning with Geisinger Health Plan, points out that readmissions mostly happen within a week or two of being released from the hospital.  She’s encouraged that having some more interaction with the patient after discharge is proving to be an extremely valuable tool.  She says that from a case management standpoint, complex patients often times need that additional care.  A 44% drop in readmissions shows that the system works and could be implemented on a more permanent basis.  Money-saving patient interaction is a key aspect in bringing down health-care costs, but keeping the quality of care at an acceptable level.

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BCBSD Launches ‘Patients First in the First State’ Program

Posted on: March 27th, 2012 by SamTabes No Comments

Blue Cross Blue Shield of Delaware (BCBSD) and the Medical Society of Delaware (MSD) have teamed up to launch their new program called ‘Patients First in the First State’.  Randeep S. Kahlon, MD, President of MSD says this partnership marks the largest health insurer and state organization team creating a new system to ensure patients in Delaware are a priority.

The Patients First program is based on the Patient-Centered Medical Home (PCMH) model of health care and they have high expectations for themselves.  They plan on redesigning the delivery of primary care in Delaware to better meet the individual needs of consumers.  Strengthening relationships between primary care doctors and their patients is crucial and improving patient compliance through identification and follow-up is a must.

Patients First has a unique way of looking at health care for patients.  It offers patients a “medical home” to manage and organize multiple health services including preventative, chronic, acute and end-of-life medical care.  Health care is tailored to the individual which only makes sense in today’s health care environment.  When special care is required, the patient’s health care team can work with the patient to get needs met using local medical services and community resources.

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Health4Me Mobile App From UnitedHealthcare

Posted on: March 22nd, 2012 by SamTabes No Comments

UnitedHealthcare has come out with a new and innovative mobile application for their customers called Health4Me.  This mobile app is currently available through the iPhone, iPad and will soon be coming to the Android.  It will give customers instant access to their critical health information and allow for easier access to their own personal records.

The app is free and will be accessible for millions of UnitedHealthcare employer plan employees.  It will give them round the clock access to a registered nurse, a physician locator, medical facility locators as well as access to personal health benefit information.  An easy and unique feature called “Easy Connect” will allow consumers to select questions they may have and request a call back on their mobile device from a knowledgeable UnitedHealthcare representative.

Jeff Alter, CEO for UnitedHealthcare Employer & Individual, says Health4Me is making benefit navigation easier for their 26 million plan participants and offers quick access to important tools including health and wellness information.  He points out how today’s insurance technology allows consumers to do so much more through their mobile phones and computers.  Managing health care benefits and services through a mobile device is becoming more and more popular and all health insurance companies should be keeping up with the ever changing technology.

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UnitedHealthcare Acquiring Preferred Care, Medica Healthcare

Posted on: March 19th, 2012 by SamTabes No Comments

UnitedHealthcare recently announced that they will be purchasing Preferred Care Partners and Medica HealthCare Plans which are both senior focused plans with operations mostly in southern and central Florida.  The companies combined serve a combined 85,000 Medicare Advantage members in South Florida, Central Florida and the Tampa area.

This major acquisition is big news for UnitedHealthcare as they expand their customer base.  Each acquisition will be separate transactions and should be complete by the end of the year.  UnitedHealthcare is looking to buy Preferred Care’s six primary care centers throughout Miami-Dade and Broward counties.

Medica’s transaction will be major as well.  UnitedHealthcare will be purchasing two of Medica’s medical centers in Coral Gables and Hialeah.  No financial terms have been released at this time, but it’s expected to be a promising acquisition decision.  UnitedHealthcare sees a solid future as they move forward with more centers and more senior customers.

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BCBS of Florida Retail Store Brings Value

Posted on: March 15th, 2012 by SamTabes No Comments

More and more insurers are turning to retail stores to help meet the needs of their customers.  These local retail stores aim to make purchasing a health insurance policy simple and straightforward.  BCBS of Florida specifically offers customer service representatives to answer questions and help customers choose the best policy for their unique circumstances.

The article “Insurers Open Stores To Peddle Health Plans” by Michelle Andrews on KaiserHealthNews.org discusses a circumstance where a customer could not get her needs met until she went into a retail store and talked to someone face to face.  These stores may be wildly successful based on the demand for face time.  Many consumers feel more comfortable talking to an expert in person so they can clearly communicate their needs and get all of the questions answered.

The amount of individual health insurance customers is expected to increase greatly over the next few years with health care reform kicking in and less and less employers offering quality benefit packages.  Insurance companies Highmark in Pennsylvania and BCBS of Florida currently have the largest retail presence throughout the nation, but this could shift as more insurers recognize the need for this particular product.  UnitedHealthcare just opened up a 16,000 square foot facility in New York to meet the needs of their crucial customers.  It will be interesting to see how this trend shifts over the coming years.

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Health Insurers Competing to Gain Medicaid Contract in Kansas

Posted on: March 13th, 2012 by SamTabes No Comments

There are currently five health insurers vying to coordinate the care of Kansas residents receiving Medicaid services.  The competition is spurred by two companies with strong ties to Witchita which are Coventry Health Care of Kansas Inc, and UnitedHealthcare.

State lawmakers are taking into consideration all five companies and are carefully weighing a Medicaid-reform proposal that would shift payment costs onto a private health insurance company.  Jeff Colyer, Kansas’ Lt Gov. mentioned how the state is very encouraged by all of the competition and the amount of quality bidders.  By transforming the Medicaid program they are hoping to offer better care to all Kansas residents.

The other companies included in the bidding is WellCare of Kansas, Sunflower State Health Plan, and Amerigroup.  There has been some questions raised about the viability of Governor Sam Brownback’s plan to reform Medicaid services.  Blue Shield Blue Cross of Kansas chose not to participate in the bidding which was a disappointment and possibly a sign that the reform plan is not exactly perfect.

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Accent by Medica

Posted on: March 9th, 2012 by SamTabes No Comments

Medica has announced the introduction of Accent which is a new bundled package of insurance, services and various health care discounts.  This unique program is designed to supplement Medica’s already popular individual and family health plans.  You may have heard of some of their plans including Medica Symphony, Medica Encore, and Medicare Solo.  Accent will be offered along with membership for Communicating for America which is a non-profit organization based in Minnesota.

Insurance benefits through Accent will be underwritten by Madison National Life Insurance company and will offer various products at multiple price levels to meet the needs of more consumers.  Some products available through the plan include critical illness insurance, accident medical expense insurance, term life insurance, accidental death insurance and accident disability income insurance.  Payments will be made directly to the individual which should be an appealing option to many customers.  Monthly membership dues for Accent will also allow consumers access to other valuable services such as roadside motor reimbursement and discounts on vision expenses.  This bundling of products will prove to be an innovative initiative from Medica that will meet the individual needs of Medica members.

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