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Get Ready For Your Health Insurance Physical Exam – Our Top Tips

By Todd Halterman
Get Ready For Your Health Insurance Physical Exam – Our Top Tips

Shopping for a life insurance or a long-term disability insurance policy means it’s pretty likely you’ll be facing an insurance medical exam. These procedures are also called life insurance physical exams or “paramedical exams,” and if you’ve never had one, we’re here to help answer any questions you might have about the process from start to finish. So first off, what goes on during the exam and why do insurers want you to undergo a…

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National Health Service in U.K. Continues to Deteriorate

By Michael Bruce
National Health Service in U.K. Continues to Deteriorate

By Linda Gorman, reprinted from Health Care News, Heartland Institute The United Kingdom’s single-payer health care system provides an important model, and cautionary tale, for those who advocate such a system in the United States. Over the Christmas holidays, the waits for emergency care in the British National Health Service (NHS) reached what the nation’s press called “crisis” levels. Compared to 2013, twice as many ambulances had more than 30 minute waits outside of overcrowded…

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What will you die of…today?

By Hollie Smith
What will you die of…today?

The 1957 Popular Science article “What Will You Die Of?” said the average 45-year-old American is “about the luckiest man alive—just because he is alive.” It then went on to say that odds of that same American living until he was 65 were just one in three. In the years following this article, major medical advancements unfolded: The Internet was discovered and utilized as an important communicative tool; the first heart bypass surgery was performed…

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Health insurance tips for college students

By Rick Richards
Health insurance tips for college students

As your college student gets ready to return to campus, there is a long checklist of things they need to go through to make sure everything they need is packed inside the family’s minivan. Clothes? Check. Shoes? Check. Toiletries? Check. The laptop? Check. Insurance coverage? What? That’s right. What should be added to the long list of things that need to go off to college with your child is the family’s health insurance policy. Parents…

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Two tests can predict risk of developing dementia

By Consumer Insurance Guide Staff
Two tests can predict risk of developing dementia

Researchers have developed two easy tests that can help predict whether a senior citizen is at a higher risk of developing dementia, according to the Canadian Press. Published in the Journal of Alzheimer’s Disease, the news organization said the study analyzed the effect of standard neurocognitive tests on 1,500 patients aged 65 and older. Researchers found that the delayed word recall test, where patients are asked to remember as many words as possible from a…

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Value-Based Purchasing May Hurt Patients

By Sarah McIntosh, The Heartland Institute
Value-Based Purchasing May Hurt Patients

GUEST EDITORIAL By Sarah McIntosh, Esq., The Heartland Institute As the Centers for Medicare and Medicaid Services releases details about its new reimbursement plan under President Obama’s health care law, fresh concerns are arising regarding the concept of value-based purchasing of health-care services, which may affect patients across the country. Under the CMS proposal, value-based purchasing will be used to provide bonuses to hospitals that exceed average scores on several measures. To implement this system,…

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Price Competition Can Lead to Quality Competition

By John C. Goodman, The Heartland Institute
Price Competition Can Lead to Quality Competition

GUEST EDITORIAL By John C. Goodman, The Heartland Institute In our third-party-payer health insurance system the price for care is typically set by entities outside the doctor-patient relationship. As a result, providers rarely compete for patients based on money prices. Potentially they can compete on the time price of care, on amenities, and on quality. Yet providers rarely compete on quality. In those health care markets where third-party payment is nonexistent or relatively unimportant, providers…

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Low-Wage Employers Need Obamacare Waivers

By Kenneth Artz, The Heartland Institute
Low-Wage Employers Need Obamacare Waivers

GUEST EDITORIAL By Kenneth Artz, The Heartland Institute Beginning in 2014, ObamaCare will require employers with fifty or more full-time employees to offer affordable coverage to all of their employees or risk a hefty per-employee fine. As industries weigh the benefits of cost of coverage versus paying the fines, officials for trade groups representing nursing homes and other low-wage employers are considering asking the Department of Health and Human Services for a waiver excusing them…

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California Shifts To Managed Care for Medicaid

By Loren Heal, The Heartland Institute
California Shifts To Managed Care for Medicaid

GUEST EDITORIAL By Loren Heal, The Heartland Institute The California version of Medicaid, called Medi-Cal, will mandate the enrollment of about 400,000 of its patients in a state-sponsored managed-care plan over the next year. The plan, designed to help the state cope with rising Medicaid costs, will effect Medi-Cal patients in San Francisco and fifteen other counties. California obtained a waiver from the U.S. Department of Health and Human Services in November 2010 to make…

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FDA Hit for Attack on Off-Label Device Use

By Thomas Cheplick, The Heartland Institute
FDA Hit for Attack on Off-Label Device Use

GUEST EDITORIAL By Thomas Cheplick, The Heartland Institute The Food and Drug Administration has issued a guidance document detailing a possible new regulation against off-label use of a category of medical devices, a development that stunned the device industry. The new FDA regulation would extend the legal doctrine called “intended use” to cover manufacturers of medical devices and make those manufacturers legally liable for off-label uses of their products. The FDA’s decision could have profound…

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