Flexible Health Plans With A Trap

Consumers are choosing flexible health plans outside the network of insurers. These plans paid the doctor and hospital bills that are not covered by the core plan. These health plans also fix an annual cap on what amount is paid to the policyholders outside the insurer’s network. Now the situation has changed. The preferred provider plans or PPF are offering no ceiling on out of network costs. Now consumers that choose these services can enjoy unlimited financial exposure in comparison to restrictive coverage like health maintenance organizations that are imposed on those who avail out of network services.

Around 45 percent of silver-level PPOs offer zero annual caps for out of network insurers’ policyholders. Robert Wood Johnson Foundation finds this in analysis. The benefit an uncapped plan can bring to the patient is tens of thousands of dollars in hospital bills for those patients that are not otherwise part of the plan. Around 14 percent of the current silver level PPOs comes with zero ceilings on out of network insurers. With new plans entering the market and the current plans continuing, the percentage is likely to be doubled.

According to RWJF analysis, the unrestricted cap for outside the network insurers for a person under the silver level PPOs is put at $16,700. This may not be a precise comparison, and the statistics by Mercer, a benefits firm has it that the midpoint cap for job-based insurance for workers is $6,000 per individual and $12,000 per family. Though the law regulates what the insurers charge policyholders on an annual basis.

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Decline In New Diabetes Cases

The good news is that people being newly diagnosed for diabetes is on the decline. The lifestyle disease that was once prominent among the old has not even left children. Though, it cannot be said that the crisis is over yet with 1.4 million diagnosed for diabetes in 2014 and the Centers for Disease Control and Prevention informed that the number is lower than the 1.7 million that was recorded in 2009. This goes to prove that the number is reducing for the five consecutive years now.

Speaking on this Director of CDC’s Division of Diabetes Translation, Ann Albright said that the numbers are declining, and it is the right way, but yet there is a long way to go. Yet, the statistics have it that the figures are triple when compared to 1980. The numbers have it that around 9 percent that is 29 million people are suffering from the disease. People who are vulnerable to the disease include Hispanic Americans and Blacks. Between 2009 and 2014 the number of new cases did not show any prominent change among Hispanics and no significant changes were recorded among blacks.

Diabetes patients have increased the risk of heart diseases, blindness, circulatory problems and nerve damage. Some of these can lead to amputation. Commenting on the statistics Dr. David Nathan of Massachusetts General Hospital informs that this does not mean that the epidemic is over. But this is definitely good news. Nathan hopes that the trend continues so that the people with diabetes come down drastically. The data is the result of the national survey that combines Type 1 and Type 2 diabetes. Type 1 diabetes is an autoimmune disorder that is diagnosed in children and is not the result of obesity.

Type 2 diabetes is found in elderly people, and sedentary lifestyle is the reason for the disease. Type 2 is common and accounts to 95 percent of the numbers. The Diabetes Prevention Program at the National Institute of Health informs that losing weight and staying fit can reduce the risk of developing the disease among those that fall into the high risk category. Factors like activity, intake of processed food and sleep patterns are also responsible for the disease.

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