Hospital billing is the process where hospitals collect payment from insurance companies premiums. The process is quite similar like collecting medical bills and insurance bills. It begin when hospital sends lists of the covered procedures involved, which in turn determines the amount of money required to pay for each application insurance claim. Once all the documents and paperwork submitted, the company then sends the payment to the hospital. But before the payment is claimed, all documents must properly fill and documented. Medical Hospital Billing is an arising field that may require a certain level of qualification. In some states, certain certification is needed. (more…)

During our 35 years of marriage, I and my wife been without affordable health insurance. Not because we didn’t need or didn’t understand health insurance, but simply we know we can get medical cost by half. Can you imagine how to pay for insurance premiums when the prices are steep, but also the doctor’s fee and medical costs? Until a few years ago, I learned the easy and simple way for us to save hundreds and possibly thousands of dollars. (more…)

Once the concept of compensating differentials is understood, we can immediately see the conditions necessary for employers to offer health insurance to their workers. First, employees must value the health insurance. If employees do not value the coverage, they will not consider it a form of workers compensation and will only see that their wages are lower. Theoretically, these workers would quit and take a similar job offered by employers that provided higher wages and no health insurance. (more…)

Escarce and colleagues (1998) examined the effects of rapid Health Maintenance Organization growth on the location decisions of young physicians. They had data on physicians who had completed their graduate medical education between 1989 and 1994 and decided to practice in a U.S. metropolitan area with a population of one-half million or more. (more…)

It is more than common to have family medical insurance policies, looking for a lot of questions arise, how to find the right one base on your needs. This article aims to answer some basic questions about hot to choose affordable family medical insurance policies. (more…)

If you are a resident of Dallas, Texas, and you still do not have health insurance, or in the midst of changing your plans, then you should be aware of the variety of affordable health insurance options. The large number of choices can be overwhelming, but health insurance options in Dallas Texas are a great place to find a bargain. (more…)

At the end of 2006, the resident population of the United States was approximately 300 million. Roughly 250 million people had some form of health insurance. The operative word is roughly. People obtain health insurance from a variety of sources. Many of them have access to and sometimes coverage from more than one source. Moreover, they may not have coverage for the entire year, and there is no single repository of data on who has what sort of coverage over what period of time. Thus, a person living in a two-earner household may have coverage from both workers, from only one, or from neither. A retiree may have Elderly Medicare coverage and a private supplemental policy. (more…)

Health insurance as we generally think of it in the United States began with the Great Depression in the 1930s. In this artilce, we review the history of health insurance and demonstrate how that history is linked to current health insurance developments. Predating private health insurance were efforts at government-sponsored coverage for workplace injury. The Great Depression led hospitals and then physicians to implement forms of insurance as means to assure payment for services. Ironically, conventional insurance and managed care were developed at this same time. (more…)

Since Health Maintenance Organizations (HMOs) do not have a claims database, they were at a disadvantage in participating in rating Medicare when it was introduced in 1965. After a number of largely unsuccessful efforts, Medicare implemented in 1985 the Adjusted Average Per Capita Costs (AAPCC) payment methodology under authorization from Congress in the Tax Equity and Fiscal Responsibility Act of 1982 (TEFRA). There is a history of Medicare’s approaches to paying managed care plans in its first 35 years. (more…)

Coverage

Medicaid coverage is broader than Medicare. However, obtaining care can sometimes be more difficult. Medicaid covers prescriptions, nursing home care, home health care, doctor visits, and hospitalization. Some state plans also cover dental care, eye care, hospice care, and therapy. Contact your local agency on aging for information about your state plan. (more…)