Text 408-854-1883 for a field underwriter near you and to match your insurance needs from 17 insurance carriers.What is term life insurance? Provides death insurance coverage for 10, 20 or 30 years with no cash accumulation and return of premium. More affordable than whole life insurance.John Hancock: Runner-Up, Best Overall AIG: Best Level Term Transamerica: Best Guaranteed Renewable TermMutual ofContinue reading “What, Why and How of Life Insurance”
Tag Archives: costs
Trends in medical health insurance, costs and expenses by state
Employer-sponsored insurance (ESI) is the primary source of health insurance coverage for individuals under age 65 This chartbook uses data for private-sector establishments in the Medical Expenditure Panel Survey-Insurance Component (MEPS-IC) to describe trends in employer coverage, premiums, and benefits from 2003 to 2016. Medical Expenditure Panel Survey Insurance Component 2016 Chartbook. Rockville, MD: Agency for Healthcare ResearchContinue reading “Trends in medical health insurance, costs and expenses by state”
Why you need a health coach, health concierge and caregiver
The shift to consumer-centered healthcare likely comes from rising patient financial responsibility. Patient healthcare costs – including both deductibles and out-of-pocket maximum payments – have increased by 29.4 percent since 2015, the report showed.
The average deductible is $1,820 and the average out-of-pocket maximum cost is $4,400, Black Book reported.
Providers likewise are reporting troubles in the wake of increased patient financial responsibility. When patients owe more for their healthcare, it becomes more difficult for patients to afford their care. This leaves providers vulnerable to missed patient payments, a major revenue cycle challenge.
State -wide senior caregiving cost
Each state, city and county have different caregiving cost based on standard of living in the selected city. You can enter your city and needs in this site at AARP to get an estimated cost for senior care: http://www.aarp.org/relationships/caregiving-resource-center/LTCC/ Motherhealth caregivers in the bay area charges between $250 and up for 24-hr care to assistContinue reading “State -wide senior caregiving cost”
Senior care cost in the bay area
Live-in care is cheaper than hourly care. Motherhealth caregivers charges $250 for 24-hr care versus $350 or $450 with other home care agencies. There is a discount when two clients per house are being cared for. It would be difficult for an older spouse to care for his/her spouse. Most of our clients call forContinue reading “Senior care cost in the bay area”
Better health outcome with PACE – Program of All-Inclusive Care for the Elderly
Program of All-Inclusive Care for the Elderly The Programs of All-Inclusive Care for the Elderly (PACE) provides comprehensive medical and social services to certain frail, community-dwelling elderly individuals, most of whom are dually eligible for Medicare and Medicaid benefits . An interdisciplinary team of health professionals provides PACE participants with coordinated care. For most participants,Continue reading “Better health outcome with PACE – Program of All-Inclusive Care for the Elderly”
Public input is needed on how to lower PPACA and ACA costs and increase participation from consumers and providers
The Centers for Medicare & Medicaid Services (CMS) seeks public input on reducing the regulatory burdens of the Patient Protection and Affordable Care Act (PPACA) The Centers for Medicare & Medicaid Services (CMS) today issued a Request for Information (RFI) seeking recommendations and input from the public on how to create a more flexible, streamlinedContinue reading “Public input is needed on how to lower PPACA and ACA costs and increase participation from consumers and providers”
Health Care Data on chronic disease, hospitals, health insurance, California, New York, Florida, Texas, Pennsylvania
Treatment gaps in rheumatoid arthritis
By Rita Baron-Faust, MPH Even with health insurance, some patients with rheumatoid arthritis (RA) may not be adequately treated. This news comes from an analysis of a large nationwide pharmaceutical claims database. Analysis of claims data from 4.66 million American adults treated for RA between January 2005 and September 2008, finds that only two-thirds ofContinue reading “Treatment gaps in rheumatoid arthritis”
Medicare billing cost for chest pain per state
Governing compiled average hospital costs for various treatments, ranking states by cost. The following states were found to have the highest average aggregate rankings, indicating the most expensive medical costs: 1. California 2. New Jersey 3. Nevada 4. Florida 5. Pennsylvania 6. Texas 7. Alaska 8. Colorado 9. Arizona 10. South Carolina http://www.governing.com/gov-data/health/average-medical-hospital-costs-by-state-map.html Most expensive:Continue reading “Medicare billing cost for chest pain per state”
Strategy to fix health care
Health consumers want to email their doctors, have cheaper drugs, can access an array of allied health pros – integrative care team from acupuncturists, massage therapists, herbalists, naturopathic docs, and more, and caregiving costs for seniors must be shouldered by their health insurance, and so many other health care issues. Below are strategies written byContinue reading “Strategy to fix health care”
To downsize or not and in need of home care in bay area
Many seniors are in a dilemma to downsize or not considering the cost of living in the bay area. Health wise, seniors are not mobile as they used to be. In case of any medical emergency, they need to act fast and be close to a hospital or health care facility. Many emergencies happen duringContinue reading “To downsize or not and in need of home care in bay area”
To retire or not to retire overseas
Some of my friends want to retire outside of the USA for cost reasons. I cannot retire in the Philippines although it will only cost me less than $500 to survive comfortably in the rural areas close to nature and island surrounded by white sand beaches and fresh food. I have to live close toContinue reading “To retire or not to retire overseas”
Mutual Fund Costs
Costs are the biggest problem with mutual funds. These costs eat into your return, and they are the main reason why the majority of funds end up with sub-par performance. What’s even more disturbing is the way the fund industry hides costs through a layer of financial complexity and jargon. Some critics of the industryContinue reading “Mutual Fund Costs”