This blog is a must read for anyone looking for health-related (and health insurance-related) information made simple. Todd Fries, a health care agent working in California, Los Angeles region, covers topics from rising health care costs to treating back pain.The posts are clear and concise, and the site is very easy to navigate. If you don’t have health insurance, it might be worth seeking his expertise too! He has some great advice on how to save money or if you are recently unemployed how to keep your coverage without paying the high COBRA costs.
Health insurance premiums in California and nationwide, rise primarily due to four major reasons:
1. Advances in medical technology means higher claims costs.
2. Price inflation for medical services is greater and exceeds inflation in other sectors of the economy.
3. Health Insurance Costs shift from the uninsured and those receiving Medicare and Medicaid over to the private sector
4. Consumer lifestyles, such as smoking, physical inactivity, obesity and heart disease.
I’m a freelancer, living in Los Angeles, California. My life is hectic and my schedule even worse! I make it a point to make time for myself, as difficult as that might be, so I’m always looking for ways to improve my quality of health and life. This includes educating myself about anything I put into my body. When searching for info on migraine medication, I found this great article on prescription versus generic drugs at a website called toddshealthinsurance.com.
While at the site, I checked out the other articles and am very impressed with all of the health care and insurance-related content. It’s even geared towards those of us who live in Southern California! Also, everything is written in a very easy-going, personal style.
I have been a health insurance agent in Southern California, Los Angeles region for over 16 years. I always advise my clients that if you currently have health insurance, even if you’re not happy with the plan, or think you’re paying too much, DO NOT cancel your current coverage until you’ve been approved for a new plan! Just because you were approved before, your health could have changed since the original application was submitted and therefore there is no guarantee you will be approved again.
If you are declined, we will go over your options at that time. Based on the reason for decline, we could appeal the decision, or simply apply to another carrier in Southern California. Since most carriers use similar underwriting guidelines, we will want to address the health issue or issues in question to give you the best possible chance of a favorable outcome next time around.
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