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Today's Health Insurance News
September 07, 2007 -- Florida Edition
If you are one of the millions in this state without coverage, or if you can't afford, or don't like the coverage you have, you might want to take a look at Presidential Candidate Hillary Clinton's health care plan. Clinton's American Health Choices Plan "has coverage for all of us, guaranteed at a price everyone can afford" said Morgan Moran, a Florida health insurance consultant.
Moran in a phone interview said a few candidates, Senator Hillary Clinton (D), Former Sen. Edwards (D), and Sen. Romney (R), have mentioned health care at various fund raising events in the past few weeks, but Hillary Clinton's 'American Health Choices' insurance plan seems to be getting the most attention from the media, some calling it "very promising." Insurance consultant Moran said, If you're one of the tens of million Americans without coverage, or if you don't like the coverage you have, "you will have a choice of health insurance plans to pick from and best of all, coverage will be affordable." Of course, if you like the health insurance plan you have, you can keep it.
The Clinton camp posted on their website that "Clinton's health care plan will secure, simplify and ensure choice in health coverage for all Americans".
Clinton said "Insurance companies won't be able to deny you coverage or drop you"
The insurance plan from Clinton differs in many ways from current health insurance plans. The new proposal provides tax credits for working families to help them cover their costs. Moran said, "The tax credits will ensure that working families never have to pay more than a limited percentage of their income for health care." Some of the innovative ideas in this plan will put an end to discrimination for pre-existing conditions. The insurance companies will not be able to deny coverage to you anymore" health insurance consultant Moran said.
"Insurance companies won't be able to deny you coverage or drop you" because their computer model says you're not worth it. They will have to offer and renew coverage to anyone who applies and pays their premium. And like other things that you buy, they will have to compete for your business based on quality and price. "Families will have the security of knowing that if they become ill or lose their jobs, they won't lose their coverage."
The new array of choices offered in the Clinton plan will "provide benefits at least as good as the typical plan offered to Members of Congress", which includes mental health parity and usually dental coverage. Clinton promises "that job loss or family illnesses will never lead to a loss of coverage or exorbitant costs." One important thing to note, said Moran, "Americans who are satisfied with the coverage they have today can keep it, while benefiting from lower premiums and higher quality." It looks like a win-win situation. Individuals will be required to get, and keep insurance in a system where insurance is affordable and accessible.
TOP STORYS CONTINUE--
Florida Health Insurance Web Examines Republican Stand on Health Insurance
The State of Florida is home to millions of uninsured residents. According to health insurance experts, most Floridians cannot afford the health care plans currently offered in the state, or they simply hope for the best, and live without health insurance at all. "If you are one of those millions in Florida without medical coverage; you might want to take a close look at each the 2008 Candidates for President, and see where they stand on health care," said Morgan Moran, a Florida health insurance consultant.
(YAHOONEWS) September 2007 -- Florida Health Insurance Web, in its continuing series, examines the 2008 presidential race and its impact on the State of Florida and how the election may effect Florida Health Insurance benefits and available rates. Morgan Moran in a phone interview said the "sadly the Republican candidates offer little to help Florida's uninsured." Insurance consultant Moran said, If you're one of the tens of million Americans without coverage, or if you don't like the coverage you have, "next November you will have a chance to pick the person who will deliver the best health care plan." So far, "the Democrats seem to be winning the health insurance debate.
Democratic Senator Hillary Clinton spoke about her health care plan which, according to Moran, "gives the choice of health insurance plans to pick from and, Clinton said her insurance coverage plans will be affordable." Clinton also said, if you like the health insurance plan you currently have, you can keep it, or switch to a less expensive plan.
On the other side of the isle, Republicans are pointing to terror and border security rather than addressing Americas health care crisis.
Republican Senator John McCain's website John McCain under 'the issues', fails to mention healthcare, Moran said, instead of giving America a health plan; "McCain is focusing on 'fighting Islamic Extremists, Government Spending, Border Security, and Iraq." To be fair, McCain is not the only Republican ignoring healthcare. Former Mayor Rudy Giuliani has posted nothing about health insurance in his bid for the White House. His Join Rudy web site says, the issues for the upcoming election are: Fiscal Discipline, Cutting Taxes, Winning the War on Terror, Iraq, Public Safety, Judges, Education, The Right to Bear Arms and Marriage.
Governor Mitt Romney, on his 'True Strength for America's Future' website Mitt Romney has his list of campaign issues as: Defeating the Jihadists, Competing with Asia, Taxes, Immigration, Energy, Education and yes, finally, Healthcare. In USA Today, July 5, 2005 Romney said, "We can't have 40 million people saying, 'I don't have insurance', and if I get sick, I want someone else to pay." Individuals have responsibility for their own health care. Romney went on to say "The health of our nation can be improved by extending health insurance to all Americans, not through a government program or new taxes, but through market reforms."
Arkansas Governor Mike Huckabee's campaign said, "The health care system in this country is irrevocably broken, in part because it is only a 'health care' system, not a 'health' system." Huckabee said, "We don't need universal health care mandated by federal edict or funded through ever-higher taxes." We can make health care more affordable by reforming medical liability; adopting electronic record keeping; making health insurance more portable from one job to another; expanding health savings accounts to everyone, not just those with high deductibles; and making health insurance tax deductible for individuals and families as it now is for businesses, the Gov said.
Senator Sam Brownback on his web site said the "healthcare system will thrive with increased consumer choice, consumer control and real competition." Brownback went on to say "I will continue to work at the forefront to create a consumer-centered, not government-centered, healthcare model that offer both affordable coverage choices and put the consumer in the driver's seat."
Congressmen Tom Tancredo stand on health care focuses on the uninsured. Tancredo said, "The two major problems are the high cost of care and the number of uninsured." Tort reform and immigration enforcement would save the system billions and drive down costs. As for the uninsured: as many as 25% of them are illegal aliens and should be deported or encouraged to leave. For citizens and legal residents who are employed by businesses which cannot afford coverage, "Tancredo favors association health plans which band small businesses together to access lower cost insurance." For those out of work, state governments should be the primary source of relief, although I would not rule out federal incentives or limited subsidies to make sure families who have fallen on hard times are not without coverage.
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