Sunday, October 11, 2009
Sweet surprises
Shopping at Costco I came across some frozen fruit cups. Tucked in an odd corner and probably won't be available again I find little 4 oz packages of Fruit Singles by Wawona. This particular one is spectrum blend. it has Peaches, Strawberries, Pineapple, Kiwi, Blueberries, and Cranberries. WOW how good is that? States it's 100% fruit, no colors, no sugar etc. Hope it's as good as it sounds. YEA!
Wednesday, October 7, 2009
Health Insurance makes me crazy!
You got to have it, you have to make decisions not knowing what is in store for you down stream, you know it's expensive. Then you have to deal with them when they delay payment, loose your claim, or deny coverage all together. After dealing with insurance companies I tend to NOT trust them and wonder how all the information will be used (against us) down stream.
HIPAA came about some how to finally prevent health providers AND the insurance companies from SHARING your information. OH DUH. Now there is a upcoming boom of businesses that offer "WELLNESS" to a company. You are subjected to blood tests, weight and BMI and a lengthy questionnaire that wants your family history as well as you personal details on how you live. By doing this they work with your insurance company to off set your premiums. All under the guise of 'helping you'. You are assigned a coach to help you set your goals, reach them and by golly celebrate with you as you reach your goals! How cozy is that? And they report back to your employer that you are compliant.
Who will get that information? Of course they say this is all HIPAA protected. Well of course it is up front. But the nameless statistics will most certainly be gathered. And used. Watch out Health Care reform.
Long ago the FDA came up with the food pyramid. Well, didn't they blow that? it's totally UPSIDE DOWN. But for years since the effin GOVERNMENT told you it was what was best for you people believed it. They tell us coffee is good, they tell us coffee is bad, they tell us eggs are good they tell us eggs are bad, and the list of good vs bad goes on and on. We've been TOLD what is good for us or bad for us for so long we no longer make our own decisions.
This is the first year the place I work and where husband works timed out the decision making for choosing benefits. This year we could make an intelligent decision on what to do. We'll stay with his plan. Overall the out of pocket risk is greater to have two plans, and that is the ultimate decision. Also, I do NOT have to choose to go through the wellness program. You know since it's no longer attached to my insurance it would be a good thing to follow. I wonder if it's available without being attached to my insurance plan.
One of the ways an insurance company rates a groups risk factor is the percentage of possible child bearing people or families in the group. Too bad you can't have two policies. One that would cover that group, and one that would look at the others that no longer fall in that category.
It will never be an easy answer. But one thing that is very obvious is we need to take more responsibility for our selves and quit letting the government tell us what is best for us. Quit letting them make decisions that will control us. Quit keeping our heads in the sand.
I can see clearly now, the rain is gone. I can see all obstacles in my way . . . . . . (well one or two anyway)
HIPAA came about some how to finally prevent health providers AND the insurance companies from SHARING your information. OH DUH. Now there is a upcoming boom of businesses that offer "WELLNESS" to a company. You are subjected to blood tests, weight and BMI and a lengthy questionnaire that wants your family history as well as you personal details on how you live. By doing this they work with your insurance company to off set your premiums. All under the guise of 'helping you'. You are assigned a coach to help you set your goals, reach them and by golly celebrate with you as you reach your goals! How cozy is that? And they report back to your employer that you are compliant.
Who will get that information? Of course they say this is all HIPAA protected. Well of course it is up front. But the nameless statistics will most certainly be gathered. And used. Watch out Health Care reform.
Long ago the FDA came up with the food pyramid. Well, didn't they blow that? it's totally UPSIDE DOWN. But for years since the effin GOVERNMENT told you it was what was best for you people believed it. They tell us coffee is good, they tell us coffee is bad, they tell us eggs are good they tell us eggs are bad, and the list of good vs bad goes on and on. We've been TOLD what is good for us or bad for us for so long we no longer make our own decisions.
This is the first year the place I work and where husband works timed out the decision making for choosing benefits. This year we could make an intelligent decision on what to do. We'll stay with his plan. Overall the out of pocket risk is greater to have two plans, and that is the ultimate decision. Also, I do NOT have to choose to go through the wellness program. You know since it's no longer attached to my insurance it would be a good thing to follow. I wonder if it's available without being attached to my insurance plan.
One of the ways an insurance company rates a groups risk factor is the percentage of possible child bearing people or families in the group. Too bad you can't have two policies. One that would cover that group, and one that would look at the others that no longer fall in that category.
It will never be an easy answer. But one thing that is very obvious is we need to take more responsibility for our selves and quit letting the government tell us what is best for us. Quit letting them make decisions that will control us. Quit keeping our heads in the sand.
I can see clearly now, the rain is gone. I can see all obstacles in my way . . . . . . (well one or two anyway)
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