“Navigators” in Healthcare:

Healthcare, Medicare, Medicaid, and Obamacare have become constant topics in news.  With so much being said, changed, and analyzed, it can be hard to keep up with actual changes to state and federal programs.  As a result of increased confusion, you may have heard the term “navigators” in the media recently,

If your head is spinning trying to keep up with the newest Medicare and healthcare policies you are not alone.  The navigators are here to help.  State and federal government officials realize that people are confused about the details of Medicare, Obamacare, and the changing healthcare landscape, and they are trying to implement a network of trained and experienced people known as the Navigators to assist average Americans and seniors.  Think of navigators as your personal Medicare assistants, who can walk you through the details for everything related to healthcare; from signing up for benefits to explaining the intricacies of adding supplemental plans.

While the navigator program offers promising improvements to the current healthcare system, the qualifications and experience level of each of the navigators may not be equal.   According to the Wall Street Journal, the concern for industry experts, consumer advocacy groups and government officials is that the requirements for becoming a navigator may not be stringent enough.  The thought of under qualified people advising Americans about something as important as their health is a very real concern and the greatest hurdle confronting the navigator program.

Currently 34 states are letting the federal government run their healthcare exchanges, and will allow them to dictate the qualifications of the navigators who operate in their state.  It appears that the federal government is committed to the navigator program, leaving the individual states with legitimate concerns For example, if you reside in one of the 16 states, who operate their own exchanges, like California, you may not have a navigator program available to you, as those states will not be required to implement a navigator program, unless they choose to.

The navigator program could be a great step towards simplified healthcare and its’ progress will continued to be monitored throughout the industry.

If you have questions about your personal healthcare, insurance coverage, or Medicare, you can contact the Medicare experts directly at SeniorQuote by calling 888-278-5126.

ObamaCare – Will there be “Sticker Shock?”

Just like any event that hasn’t happened yet, many people have   theories for how it will turn out.  Imagine Boston Red Sox and New York Yankee fans debating who would win in a World Series they would continue to argue until the teams actually played.  Right now, the same thing seems to be happening with those speculating about Obamacare and its impact on the cost of healthcare.

“Sticker shock” has been cited by many Obamacare critics who predict that healthcare costs will rise as a result of the program’s implementation, while proponents of Obamacare believe that long-term healthcare costs should decrease.

While the debate will continue for years after the implementation of Obamacare, there are some things that you should consider when reviewing the statements regarding “sticker shock.”  According to the Wall Street Journal, Many believe that the expected rise in healthcare insurance should not pertain to people who already have healthcare provided by their employers The greatest increase is expected to be for those individuals who acquire their own insurance, independent of a corporate employer.   Obamacare is designed to ensure that these independent people will not be discriminated against for preexisting conditions when buying health insurance.  This should mean that  more individuals with pre-existing health conditions will be covered by insurance, As a result, insurance companies will need to cover the higher costs associated for people with pre-existing conditions  which will necessitate  an increase their premiums and require  everyone they cover to pay more into the system.

The actual, individual costs of Obamacare will begin to be realized this year, leading into the comprehensive implementation in 2014.

If you have questions about your personal healthcare, insurance coverage, or Medicare, you can contact the Medicare experts directly at SeniorQuote by calling 888-278-5126.

October 1st ObamaCare Deadline is Improbable

The Wall Street Journal recently published an article that renewed suspicions about the government’s timeline regarding the start of ObamaCare: the prospective launch date of October 1st, 2013 is, perhaps, no longer realistic. Several deadlines have been missed in trying to establish small business and consumer insurance exchanges and, because of this, it is doubtful that October 1st will initiate the full implementation of ObamaCare.

Small businesses are braving the impact of several setbacks. Employers will only be able to offer one plan option to their employees, and several small companies have reported that they are no longer able to fund the full premium for these packages. Only seventeen states have established their small business exchange programs, so the federal Medicare and Medicaid centers have picked up the slack for the thirty-three remaining states. Many states are struggling to find carriers that are willing to provide their services to small businesses state-wide; therefore, options are few, prices are high, and the chance that ObamaCare will be ready October 1st is growing ever-more improbable.

The healthcare industry continues to be in flux with answers to essential questions proving elusive for many individuals. If you have questions about your personal healthcare, insurance coverage, or Medicare, many answers are available on www.medicare.gov., or you can contact the Medicare experts directly at SeniorQuote by calling 888-278-5126.