Reduce Your Health Care Costs

cutcosts“Why are my health insurance costs going up at a rate that is so much higher than inflation?” Experts say there are no easy answers, but there are straightforward explanations.

Insurance companies work within fixed and highly-regulated operating margins, and premium increases are a “pass-along” expense from rising doctor, hospital and other medical costs. Continue reading

Short-term major medical fills tall order for “in-betweens”

short_term_major_medicalThe nation’s current economic downturn has sent reverberations through the corporate world, creating waves that have put hundreds of thousands of Americans who previously had health coverage adrift – and desperately seeking a safe harbor.

But layoffs are only the most visible of the multitude of ordinary, but life-changing, events that create millions of “in-betweens” – average consumers who need coverage fast, if only for a short period of time.

Consider that the number of “in-betweens” at any given time is astonishing. Estimates as to the numbers of temporarily uninsured include:

  • 22 million part-time employees
  • 5 million recently graduated students no longer covered by their parents’ policies
  • 900,000 Americans who have lost coverage following a divorce
  • 300,000 recently discharge members of the military
  • 8.7 million Americans between jobs (and who may be trying to avoid more expensive COBRA coverage)
  • 5 million early retirees Continue reading

Migraine Sufferers Appear to Have Reduced Risk of Breast Cancer

woman-in-darknessinlineAlmost everyone gets headaches at one time or another, but for millions of Americans who have migraines, they are more than just an occasional annoyance; they are often disruptive and debilitating. The pain is a severe throbbing on one or both sides of the head that can last for hours, or even days, and is often accompanied by nausea, dizziness, and sensitivity to light, sound or smells. But scientists say there is a bright spot for women who suffer these disabling headaches, and it’s not an aura.

A new study, led by Dr. Christopher I. Li of Fred Hutchinson Cancer Research Center in Seattle, comparing data on more than 9,000 women revealed that women …….. Continue reading