Monday, December 7, 2009

family health insurance

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.

The over-arching goal seems to be to start with something, anything that may lead to more aggressive health care reform down the line, reform that will be easier to both organize and actualize.

Today, however, the U.S. Census Bureau puts the number of uninsured Americans at 46.3 million. 37% of Californians, or about twelve million of those Americans, were without health insurance during some or all of 2007 and 2008, according to familiesusa.org, and that number has likely increased in tandem with the increase in unemployment. In Los Angeles, more than two million people are living without health insurance, a figure that reflects LA County’s standing as having the third highest rate of uninsured among all major American cities.

There’s a new health insurance website devoted to health care for and about California residents: toddshealthinsurance. The site is clearly written, concise, easy to navigate, and filled with health industry information relevant to today’s most crucial, and sometimes confusing, health care topics.

The fifth, and latest, health care reform proposal was approved by the Senate Finance Committee on Tuesday, October 13th.

The bill gives tax credits to low- and middle-class individuals and families to help offset the expense of purchasing health insurance. It also expands Medicaid. Its greatest strength, however, lies in its design to restructure the privatized insurance system, which currently allows for insurance companies to deny coverage for, or based on, pre-existing conditions, raise rates arbitrarily, and cancel policies altogether when injury or disease prove to be costly to treat.
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