Insurance companies don't make anything - James Dyson
image by: David Hilowitz
Health insurance is primarily 'managed' one way or another, no matter which country you live in...
"For all the complaining of many citizens about managed care, it is important to remember why this change has occurred within American health care. For years, most doctors and hospitals have been paid on a 'fee-for-service' basis. Like piecework payment in the garment industry, such arrangements have the predictable effect of encouraging people to do more work - in order to make more money.
The result has been that the United States has the highest health care costs in the world. Fully 60% to 100% higher than most other industrial countries. In recent years, as those costs first approached, and then exceeded, 14% of overall economic output, increasing pressure developed to control those costs.
And managed care is a response to those pressures. Both companies purchasing health insurance for their employees and governments purchasing coverage for Medicare and Medicaid recipients have been increasingly interested in limiting what they spend. And managed care has succeeded in the marketplace by offering health insurance at lower cost than the 'unmanaged care' it has begun to replace.
Having said that, it is important to recognize that not all managed care is the same and not all plans offer customers equal value for money. The largest difference is between the for-profit and the not-for-profit plans. The former often spend as little as 65% to 70% on actual medical care. The rest goes to marketing expenses, profit and administrative costs. The not-for-profits, in contrast, typically spend more than 90% of their premium income on patient care.
How have managed care plans been so successful - at least in some parts of the country? Again, the situation varies with the plan. The best plans have lowered the cost of care by organizing the care process cost effectively. The worst have simply tried to bully doctors and hospitals into offering them price discounts, and have also tried to limit cost by making it more difficult for patients to receive care.
So the challenge of managed care today is not whether we should be for it or against it. The alternative - totally unmanaged care - comes with the price tag that neither the public sector, nor the private sector can afford. Global economic competition and the impending retirement of the baby boom generation means that neither corporations nor taxpayers can go back to the old fee-for-service, use-whatever-you-want system. The task is to make sure that we get more of the good kind of managed care and less of the bad.
Plans that offer value-for-money and good customer service need to be the ones that succeed in the marketplace. To help insure that result will take effective public/private cooperation. Government can play a role by requiring information and disclosure that allows customers to know what they are getting when they purchase health insurance - and by being a prudent buyer itself.
And the private sector has to recognize that there is more to selecting a health care plan than just minimum price. Then we can use the force of the market constructively to help ensure that an many citizens as possible do get cost-effective, well-managed care." Source: Where is Managed Care Now? Frontline.
Finding health coverage is challenging, to say the least. Whether you pick a HMO, PPO or POS...the meat and potatoes of health insurance, we hope we have made your task a little easier.
Our mission is to simplify public and private health insurance eligibility information in order to help more people to access coverage.
GetInsured is the nation’s easiest way to shop for health insurance. Since 2005, we’ve helped more than 2 million people find the health insurance policies that best fit their needs and their budget.
The Health Insurance Marketplace is a new way for you to buy health insurance. In the Marketplace, there are 4 categories of health insurance plans based on how you and the plan can expect to share the costs of care.
HealthInsurance.com makes buying health insurance easy. You can learn all about health insurance, get free online health insurance quotes, compare health plan prices and benefits side-by-side, choose from a large selection of affordable health insurance plans from leading health insurance companies, and apply for health insurance online.
Published since 1994, healthinsurance.org™ is the Internet’s oldest, most-trusted independent site offering consumer information on affordable health and medical coverage. We’ve worked hard to earn consumers’ respect and loyalty. The information we present is intended for a general consumer audience.
MediBid is an online marketplace which is about quality, choice, and value. Many insurance companies show you no more than whether your doctor is “in-network” or not. MediBid allows you to see the training, education and experience of the doctor before you make your selection.
Private Healthcare UK
Private Healthcare UK is your guide to everything related to private healthcare in Great Britain, and this includes private health care plans. Many people invest in medical insurance to ensure that they can be treated privately if they become ill and this type of cover therefore offers great peace of mind.
Here at Privatehealth.com.au it isn't just statistics and facts it allows you to share your views and experiences and gives you all the information you need to make the right health insurance decisions.
AARP makes available a range of health related products, services and insurance programs.
At Anthem Blue Cross and Blue Shield we understand our health connects us to each other. What we all do impacts those around us. So Anthem is dedicated to delivering better care to our members, providing greater value to our customers and helping improve the health of our communities.
We focus on giving you innovative and affordable options as well as the freedom to choose your preferred health care providers.
AvMed Health Plans
Offering our members a superior network of doctors, hospitals and specialists they can easily access to meet all of their health care needs
Blue Cross Blue Shield
Blue Cross and Blue Shield companies offer a variety of insurance products to all segments of the population, including large employer groups, small businesses and individuals.
Blue Shield of California
Blue Shield of California, an independent member of the Blue Shield Association, is a not-for-profit health plan dedicated to providing Californians with access to high-quality health care at a reasonable price
Canada - Quikcard
The ADSC set out to offer companies, large and small, an innovative and cost-effective way to provide employee benefits.
Capital District Physician's Health Plan
We provide quality health care at a reasonable cost for our subscribers and operate CDPHP as a model for the delivery, financing, and administration of health care services.
Care1st Health Plan
A Different Health Plan in So Many Different Ways.
In 1994 a group of physicians from private practice, medical groups, and hospitals came together to create a pro-patient health plan.
We offer quality affordable medical insurance for individuals and families, as well as the self-employed.
CIGNA has been helping people lead healthier, more secure lives.
Community Health Group
Community Health Group is a non-profit HMO, and we're San Diego's largest locally-based HMO. We're multilingual and multicultural, which means we understand our members' needs.
Ranked as one of the top HMOs in the country*, ConnectiCare prides itself on being a company with superior customer service, and award-winning disease management programs for its members with chronic conditions.
We are proud to serve as your partner in good health. In addition to health plans for businesses of all sizes, we also offer plans for individuals and families as well as coverage for Medicare and Medicaid beneficiaries.
eHealth makes it easier for everyone to find affordable, quality health insurance, every day.
Expatriate Insurance Services
Expatriate Insurance Services is one of the world's leading, international health insurance intermediaries. We provide free impartial advice on international health insurance for expatriates of all nationalities living and working around the world.
Providing innovative solutions and quality service for your specialty needs.
Geisinger Health Plan
Comprehensive health care coverage at a competitive cost, we offer coverage for businesses of all sizes, individuals & families, and Medicare beneficiaries.
A unique health care system linking care delivery and insurance coverage in order to achieve one goal – affordable, quality health care for all.
Harvard Pilgrim Health Care
For more than 35 years, Harvard Pilgrim has built a reputation for exceptional clinical quality, preventive care, disease management and member satisfaction and has consistently rated among the top plans in the country.
Health Net helps get the most out of Health Plans.
Healthedeals.com is offered by IHC Specialty Benefits, Inc., a member of The IHC Group (NYSE:IHC). The IHC Group is comprised of insurance carriers, and marketing and administrative affiliates committed to providing excellent service and offering competitive health, life, disability, stop-loss, short-term medical, travel and dental insurance products to groups and individuals.
The Healthy Families Program is low cost insurance that provides health, dental and vision coverage to children who do not have insurance today and do not qualify for no-cost Medi-Cal.
Our plans and services help you choose, finance, and use your benefits with confidence and success
The HUSKY Plan offers a full health insurance package for children and teenagers up to age 19. HUSKY pays for doctor visits, prescriptions, vision and dental care, and much more.
Making a difference. It's our commitment to you - in the plan options we offer, and the services you deserve. You are our top priority, and we work hard everyday to earn your trust...and satisfaction.
Inland Empire Health Plan
Organized as a Joint Powers Agency, Inland Empire Health Plan (IEHP) is a local, not-for-profit, public health plan.
Inter Valley Health Plan
Inter Valley Health Plan has consistently served the Inland Empire with a level of caring and service unsurpassed by the competition. Arising out of the need for a strong community health plan in the Inland Empire, Pomona Valley Hospital Medical Center and a group of dedicated, private practice physicians joined to create Inter Valley Health Plan.
At JLBG Health we know how important it is to have affordable health insurance coverage. We also realize that health insurance is a complex financial tool that requires sound advice.
As a health care organization in the 21st century, we have a mission--to provide quality care for our members and their families, and to contribute to the well-being of our communities. See how we dedicate ourselves to this mission.
KPS Health Plans
The Healthy Investor'' HSA plans available
for individuals, small groups and large groups.
Medica provides popular health plans and #1 rated service to business and government employers, to labor unions, and to individuals of all ages from recent graduates to Medicare beneficiaries.
At Moda Health, we’re passionate about helping you on your journey to be better. We know that dealing with health concerns can be tough — and that it is a juggling act to fit in healthy choices every day. That’s what we’re here for. We’ll be your guide, your supporter, your fan club and your partner ready to help you every step of the way.
Molina Healthcare, a FORTUNE 500 company, has grown into one of the leaders in providing quality healthcare for financially vulnerable individuals and families.
MVP Health Care
MVP Health Care is committed to having a positive impact on health and wellness of those we serve so that our members can take on life and live well.
We serve the whole system. In collaboration with partners across the health system, we provide the tools for better decision-making and better outcomes.
A new kind of health insurance company that is using technology to make insurance simple, intuitive, and human. In other words, the kind of healthcare we want for ourselves.
Providence Health Plans is focused on improving the health of our members by creating access to high quality health care programs and preventive services through top-rated insurance benefit plans.
Rocky Mountain Health Plans
Offering a full continuum of product and coverage options, RMHP provides customers with unparalleled choice and flexibility in meeting their health plan needs.
Thank you for considering SelectHealth. We know that you have options when choosing a health insurance partner. Here are just some of the reasons why we may be your best choice.
Having this coverage will protect you from financial harships. State Farm'' offers various types of health insurance, so that you can choose the product that best suits your personal situation.
SummaCare is a health plan based in Akron, Ohio. We service members in an 18 county service area in northeastern Ohio through our network of over 6,000 providers and 30 hospitals. We also have affiliations with other national provider networks to cover out-of-state members.
UK - SimplyHealth
In a world where so many people can't be bothered, we're proud to be the healthcare company that can.
We believe in helping people access affordable healthcare and delivering exceptional personal customer service.
At UnitedHealthcare, we are committed to improving the health care system.
UnitedHealthcare is an operating division of UnitedHealth Group, the largest single health carrier in the United States.
Vivity continues the move away from traditional fee-for-service reimbursements that may incentivize increasing the volume of medical procedures performed by providers, and continues the trend of moving toward a structure that financially rewards activities to keep patients healthy.
WellPoint is one of the nation’s largest health benefits companies, with more than 36 million members in its affiliated health plans and nearly 67 million individuals served through its subsidiaries.
We invite you to explore our site to gain an understanding of your choices. Get a health insurance quote so you can pick your health insurance plan, find a healthcare provider and set up a secure free health record to begin along the path to a healthier life.