Welcome to my Observations on Health Insurance Blog With this blog I want to share with you my thoughts and perceptions of the ever changing world of Individual Health Insurance in the state of Colorado. I hope to be able to bring you new information, as well as possible different perspectives on an industry I am involved with every day.
Charley Mallon
Boulder, Colorado
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By Charley Mallon, on April 18th, 2012 Don’t have insurance and you need a costly operation? Maybe you want some elective surgery done and your insurance does not cover it? Perhaps you should consider heading south of the border to have these procedures done at greatly reduced prices. Medical Tourism is a growing trend among North Americans looking for more reasonable medical [...]
By Charley Mallon, on February 22nd, 2012 Don’t have the slightest clue what your health insurance covers?
As part of the Affordable Care Act the government intends to take care of that. According to a recent article by the Associated Press “the Obama administration says that’s going to change, starting this year. Officials announced that private health plans will have to [...]
By Charley Mallon, on February 15th, 2012 It’s an old joke:
What is the difference between jogging and running?
Answer: Running is my speed and faster, anyone else is just jogging.
I have been running/jogging on a fairly regular basis since I was 25, so that is 40 plus years now.
In thinking about it, the reason I run is split 50/50 [...]
By Charley Mallon, on February 1st, 2012 One of the little discussed provisions in the new Afordable Care Act (Obamacare) that is going to be very popular with the American public is the requirement called Minimum Loss Ratio (MLR). Starting January 1, 2011, health insurance companies must reimburse their clients for excessive premium dollars collected. Health insurance companies are now required to spend 80% (individual policies) [...]
By Charley Mallon, on January 18th, 2012 Have you been trying to shed some of those extra pounds gained over the holidays? I sure have, and the older I get, the harder it has been for me to do so. But it turns out that extra weight is not just a problem for us in our health and appearance, it can really [...]
By Charley Mallon, on January 11th, 2012
With all the bad publicity the health insurance industry receives, it is easy to conclude that their unbounded greed is driving average Americans to the poor house with ever increasing premiums. But the truth is health insurance companies are are about as responsible for increased costs as is your neighborhood grocer when they raise the [...]
By Charley Mallon, on November 26th, 2011 According to a recent a study released by the Organization for Economic Cooperation and Development:
+ The U.S. spends far more than other developed nations on health care but ranks lower on quality and general population health.
+ The U.S. spends more than two-and-a-half times the average health spending of OECD nations.
+ The U.S. [...]
By Charley Mallon, on November 12th, 2011 This could be great news for all of us; the potential to drastically reduce our heathcare costs by having Walmart bring the same market forces to bear on what is essentially a mom and pop industry that the Bentonville, Arkansas giant brought to retail sales.
According to an article published by flaglerlive.com, in October [...]
By Charley Mallon, on November 5th, 2011 In the past few years, more and more parents that contact me for health insurance have told me that their children have been diagnosed with ADHD (attention deficit hyperactivity disorder). Some experts estimate that 5.3% of children worldwide suffer from this condition. This has brought up several questions in my mind.
+Are these children simply [...]
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