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Georgia Insurance Shop
The Changing Health Care Landscape

September 2, 2009
Dear Bob,

We have quite a bit to cover in this issue so it will take a slightly different format. We won't bore you with political ideology but rather will provide a link to our blog where you can search for articles on what is happening in Washington.
 

Much more than Obamacare
 
We will touch on Obamacare and the changes brewing in Washington, but there is much more in this issue than just political rhetoric.

For those on Twitter, you can follow us there under the moniker somarco. We have also started following local "Twitterer's" that have money saving tips for Atlanta area residents.

Along those lines, we recently discovered a way for anyone to save money on lab work. Discounts up to 80% off retail through this company. Flu season is coming and we identify a convenient, affordable way to protect yourself and your family against flu.

New health insurance options have arrived and a few more coming (hopefully) before years end.


 

Twittering
 
Still trying to figure out the Twitter phenomena. I feel a bit like the dad in the Verizon commercial, Twittering his son that "I am on the patio" . . .

Most of my Tweets are links back to my blog as it is updated, so if you don't like the blog you don't need to follow me. I won't be offended.

Seems most of the folks Twittering these days think I am fascinated with what they had for breakfast or that they are running late for car pool.

Perhaps if they spent less time Twittering they wouldn't be late . . .

But here are some Twitterer's (or is it Tweeters?) that can save you money. CouponIQ provides updates and links to money saving coupons. DiningPerksATL keeps you updated on "deals" at local restaurants, as does AtlantaHalfOff.

Enjoy!

 

Labs and Flu Shots
 
Most health insurance plans sold in Atlanta do not cover lab work as part of the office visit copay. The few that do have outrageous premiums.

So people often ask, how much is it for a lipid panel or STD screening. The folks at Direct Labs work with many of the major lab companies to provide real time pricing and discounts up to 80% off retail. We provide links on our site including on our Patient Charity page and invite you to explore their services.

Direct Labs use many of the same network labs as most carriers. You do not need doctors orders to have the lab work performed. There are many locations all over the country where you can stop by, have your sample taken, and get results in 24 - 48 hours. Direct Labs can be used by those who have an HSA, copay plan or no insurance.

Flu season is around the corner and CVS in conjunction with MinuteClinics is a convenient way to get immunized. Click the links for locations, times and pricing.

 

Obamacare
 
The changes in Washington are not just about me, or the way I earn my living. My clients know that I never push anyone into high premium plans. In fact, most of the time clients will save hundreds each month by making maximum use of their total health care dollars by following my suggestions.

It doesn't matter which way you voted, or if you voted at all. I don't care if you like the president or not. This is not about personalities.

This is about the REAL impact of health care legislation and how it can and will dramatically effect your wallet.

If you learn nothing else from this newsletter, and the links provided, then know that there is nothing affordable about the proposed legislation in HR 3200. At a minimum, your premiums will double once that plan as proposed is implemented.

This is not a scare tactic, but something very real. The trillion dollar plus budget does NOT include increases in state taxes to fund expansion of Medicaid and SCHIP (Peachcare in Georgia). More importantly, it does NOT include premium increases in health insurance that will have to follow if Washington get's their way with new mandated benefits.

If you want to know more from the perspective of someone with more than 30 years in the industry, go to my blog and use the search box for the term "obamacare". Here are some of the things you will find among 30 or so postings.

Rep. John Conyers at a Press Club function admitting on tape he never bothers to read legislation before voting.

Just how wonderful is Medicare? For 43 years the government has run a health care program for (mostly) seniors. But did you know that Medicare has lost money every year for the last 40 years? Last year Medicare paid out $2 in benefits for every $1 in Medicare taxes collected. At the same time they increase premiums every year and reduce benefits. Is this any way to run a health insurance program?

On a lighter note, you can read about Cash for Health Insurance. A parody of the failed Cash for Clunkers program.

Missing the Maine Point shows how Maine implemented a form of Obamacare 15 years ago and then had to repeal most of it because it failed miserably.

I'll Have What She is Having compare's Princess Nancy's health insurance to Meg Ryan's order in the famous deli scene.


 
We hope you find this issue enlightening and informative. Feedback is always welcome.

One last thing. Cigna is now offering major medical in Georgia. You can compare Cigna to other carriers such as Aetna, Blue Cross, Humana, United Healthcare and more through this link.

Have a fun holiday weekend!

take care,
 

Bob Vineyard, CLU
Georgia Insurance Shop