Reality Therapy – Health Insurance ≠ Health Care

As we struggle to understand and adapt to federal health care reform, can we please agree on the fundamentals? Much of the debate and the more modest conversations about the future of health insurance reform occur in a twilight zone where we use the same words but mean entirely different things. Insurance has a long…

Share

What is a MEWA and will they be sent to the health care reformatory?

Kittens say “mew”; insurance brokers say “mewa” – not “myū-ah”, but “mē – wăh.” A MEWA may be a “cool cat” or a predator depending on where you live. In Washington, many employers hang out with the safe version. They get their health insurance through MEWAs. MEWA is an acronym for “Multiple Employer Welfare Arrangement”…

Share

Carriers

A carrier is an insurance company. I don’t know the origins of the word “carrier” as it applies to insurance companies. I researched the phrase and only came away with the same result – it means insurance company. In Washington State, the statutory use of the word is more recent – 1995: “RCW 48.43.005 (18)…

Share

The Difference between a "Pre-Ex" and "Guaranteed Issue"

Yes Virginia, there is a difference between guaranteed issue and “pre-ex” limits. Despite the many knowledgeable people available to inform the drafters of health care reform legislation, government officials touted the elimination of pre-existing condition limits for children by declaring that insurers would be required to provide coverage to children irrespective of the child’s health….

Share