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Do we need a constitutional right to buy health insurance? The state Senate approves a constitutional amendment that specifically would create a right to enter into private contracts with health care providers for health care services and private health care coverage. ?And it will disallow a government from mandating that an individual participate in a specific health care plan,? says the amendment?s author, Sheboygan Republican Joe Leibham. ?This isn?t inconsequential. We?ve got 26 other areas that are covered by the constitution.?

AUDIO:?Sens. Erpenbach, Leibham (6:50)

Middlleton Democrat Jon Erpenbach?calls the resolution (SJR 21)??a scam? that ?creates false hope? regarding the purchase of health insurance. ?I can walk through the door, I can plunk down my money, and they can ask me a couple of questions, and then they can say no,? says Erpenbach. ?What personal decision is that?? ?The resolution would need to pass two consecutive sessions of the legislature and a statewide referendum.

Source: http://www.wrn.com/2012/02/senate-passes-health-insurance-amendment-audio/

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By SCOTT JORGENSEN

SALEM, Ore.- A bill establishing requirements for health insurance coverage of autism spectrum disorders received a public hearing during the Senate Health Care, Human Services and Rural Health Policy Committee?s Friday meeting.

Supporters of Senate Bill 1568 testified on its behalf.

Portland resident Paul Terdal testified that he has two autistic children. That condition is covered by insurance under current laws, including those involving mental health parity; but Terdal said obtaining care is still very difficult for families.

The purpose of SB 1568 is to streamline the process of obtaining care so that people do not have to fill out extensive paperwork for six months or get a court order to receive it, Terdal said.

Dr. Robin McCoy, a specialist in developmental and behavioral pediatrics at Oregon Health & Science University (OHSU), testified via telephone on behalf of the bill.

McCoy said that around 150 children are diagnosed with autism at OHSU every year. Insurance companies in Oregon cover very few services for autism, McCoy said, and parents usually have to fight for that limited assistance.

In her testimony, McCoy said many parents of autistic children have had to move out of Oregon to get the help they need.

Melanie Shaw, a behavior analyst and owner of the Beaverton-based Play Connections autism intervention center, said she has witnessed many ?heartbreaking scenarios? with parents who cannot afford critical treatments for their children.

Testimony was also heard from Tobi Rates, executive director of the Autism Society of Oregon. She said she has spent several years talking to the various stakeholders surrounding the issue and that there is ?clear consensus? that the bill is urgently needed.

Rates said she and her husband have had to leverage all of their assets in order to pay for their autistic child?s treatments. She added that she knows several parents who have bankrupted themselves to pay for treatment and that some have even lost their homes.

Parents in such situations can pursue administrative remedies, Rates said, but that is expensive and time consuming.

Lobbyist John Powell spoke on behalf of Regence BlueCross BlueShield of Oregon. He said there is ?solidarity? on the part of insurers to provide the coverage sought by proponents of SB 1568.

The bill has changed ?substantially? from its original form due to collaborative efforts between insurance companies and advocates for additional autism coverage, Powell said.

However, Sen. Chip Shields, D-Portland, said he was ?frustrated? by the lack of progress that has been made thus far on reaching a resolution of the matter.

Powell testified that the industry is ?trying to find ways? to make the legislation work for it. He said the credentialing of specialists is still an issue and that sideboards must be put on the costs of providing the treatments.

Shields encouraged Powell to continue negotiating in good faith with proponents of the legislation, adding that they have told him they have made numerous concessions to the industry throughout the process.

Terdal had testified that he has been working on the bill since the end of the 2009 legislative session. Shields expressed optimism that a final resolution could be reached during the legislature?s next session in 2013.

Before closing the public hearing, Sen. Laurie Monnes Anderson (D-Gresham), chair of the committee, said she wanted more input from the rest of the state?s major insurance companies before advancing the bill any further. Anderson added that she knows many legislators who support the proposed legislation.

Source: http://oregoncapitolnews.com/blog/2012/02/13/health-insurance-coverage-for-autism-receives-senate-hearing/

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Your overall health insurance policy can determine the amount, quality and performance of the care that you will get if you are ill. When you don?t have satisfactory coverage, you could possibly set away visiting the medical doctor, which can make your sickness a whole lot worse, as a result, costing you more money over time. This article has recommendations on the best way to maximize your quality of life insurance policy.

Think twice just before purchasing a supplemental insurance policy, such as many forms of cancer insurance plan. Often the advantages of your cancerous cells plan will go unused as your main insurance policy currently has you protected. Additionally, most supplemental guidelines have quite tough recommendations and limits in terms of how they could be employed.

It is wise to ask your basic practitioner to review and imitate your healthcare data. When you are in especially good health, you might be able to get large discounts in your health insurance monthly premiums by offering your in depth health background of good wellness. Posting blood vessels exams and bodily results are also fantastic.

Completely read through your entire health care insurance arrangement, and ask for clarifications and explanations for items you do not rather understand. Your insurance coverage agent needs to be geared up and ready to make clear each bit of your arrangement for your needs, should the need occur. If they supply you with an answer that you don?t like, you may want to locate a diverse policy.

Remember that particular health care insurance firms will not offer you insurance coverage when you have serious pre-pre-existing circumstances. Simply because they look at you as being a liability. If this takes place, look for the net or ask family members close friends when they know of a health insurance company that will provide you with insurance plan.

When getting dental care insurance policy, tend not to get capabilities that you simply do not believe you will use. As an example, several dentistry plans are loaded with more reductions for doctor prescribed medication plans. If you think as you usually do not require it, don?t obtain it. It will just find yourself costing you much more.

Use on-line calculators to calculate the very last value of healthcare insurance coverage prior to signing up for the policy. It may element in the co-pays off and deductibles that you are likely to be dependable. Just because you will cut costs in rates will not signify it will probably be cheaper for your family members.

Health insurance could be a dirty word in this particular day and age. Numerous who have it, don?t have adequate, and lots of, don?t possess any whatsoever. While using info in this article, you will definitely be better ready to find the medical health insurance you want as well as the most benefit from that which you have.

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Source: http://centralvalleymoms.com/2012/02/08/below-can-be-a-guideline-that-can-help-you-acquire-health-insurance/

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Posted by Josh in Uncategorized on Jan 16th, 2012 | 0 comments

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4. Life insurance coverage: An Guide
5. Motor vehicle Insurance policy ? Does one Definitely Have to have It? You will find numerous drivers on the street nowadays, a few of them not so excellent. An accident, or perhaps automobile theft, can result in an enormous damaging economic affect on the regular American. Getting motor vehicle insurance just isn?t only a safeguard for you personally but it can also be necessary by regulation in lots of states.
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Source: http://airbrush-u.com/2012/01/16/identify-rates-designed-for-thatched-roof-home-insurance-to-save-cash/

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NASHUA, N.H. ? Republican front-runner Mitt Romney stumbled down the homestretch of the New Hampshire primary on Monday, declaring, “I like being able to fire people who provide services to me” as his rivals intensified already fierce criticism.

“Gov. Romney enjoys firing people. I enjoy creating jobs,” said former Utah Gov. Jon Huntsman, who has staked his candidacy on a strong showing in Tuesday’s primary and has shown signs of gaining ground in recent polls.

Adding insult to any injury, Texas Gov. Rick Perry posted a ringtone to his campaign website that consisted of Romney saying, “I like being able to fire people,” over and over.

Romney is the odds-on favorite in New Hampshire, and Huntsman as well as other Republicans who are contesting the state have generally been content to vie for second place in hopes of emerging as his main rival in the South Carolina primary on Jan. 21.

“Second place would be a dream come true,” said former Pennsylvania Sen. Rick Santorum, as he raced through a final full New Hampshire campaign day that began before sunrise and stretched for more than 14 hours. The former Pennsylvania senator finished a surprising second in last week’s Iowa caucuses, but without money for television ads he has appeared to struggle as he seeks to convert that into momentum.

Romney, the former Massachusetts governor, won in Iowa by eight votes. A victory in New Hampshire would make him the first Republican in a contested presidential nomination battle to capture the first two races of the campaign since Iowa began leading off for the GOP in 1976.

The battle has grown increasingly rancorous in recent days ? both in New Hampshire and next-up South Carolina ? with Santorum, Perry and former House Speaker Newt Gingrich escalating their attacks on Romney’s claim that a background in business uniquely qualifies him to help create American jobs.

At the same time, an organization that backs Gingrich has spread the word that it intends to spend $3.4 million on television ads in South Carolina that are expected to attack Romney with gusto.

“Now we’ll see if he has the broad shoulders and can stand the heat,” said Gingrich, relishing the battle ahead as the nominating campaign wheels South.

Romney’s remark about firing people was the second jarring moment for the front-runner in the span of less than 24 hours.

On Sunday afternoon, the millionaire businessman told an audience that he understood the fear of being laid off, adding, “there were a couple of times when I was worried I was going to get pink-slipped.” His aides refused to provide details.

On Monday morning, addressing the Nashua Chamber of Commerce, he said he wants individuals to be able to choose among different health insurance policies as they seek coverage.

“That means the insurance company will have an incentive to keep you healthy. It also means if you don’t like what they do, you can fire them,” he said.

“I like being able to fire people who provide services to me. If someone doesn’t give me the good service I need, I’m going to go get somebody else to provide that service to me,” he added.

A few hours later, in a previously unscheduled appearance before reporters, Romney emphasized he had been talking about insurance companies.

“Things can always be taken out of context, and I understand that’s what the Obama people will do. But as you know I was speaking about insurance companies and we need to be able to make a choice and my comments entirely reflected that discussion.”

As for once fearing he would be fired, he said, “I came out of school, and I got an entry level position like the other people that were freshly minted MBAs, and like anybody that starts at the bottom of an enterprise you wonder, when you don’t do so well, whether you’re going to be able to hang onto your job.”

Romney has made his career in business the core credential of his candidacy, saying that his firm, Bain Capital, created 100,000 jobs on balance as it started some firms while taking over, remaking and then spinning off others.

Gingrich told one interviewer during the day that Bain Capital “apparently looted the companies, left people totally unemployed and walked off with millions of dollars.”

He wasn’t asked to provide details.

But Perry, campaigning in Anderson, South Carolina, was ? and did.

“If you’re a victim of Bain Capital’s downsizing, it’s the ultimate insult for Mitt Romney to come to South Carolina to tell you he feels your pain. Because he caused it,” he said.

`I have no doubt that Mitt Romney was worried about pink slips ? whether he’d have enough of them to hand out.”

He cited Holson Burns Group Inc. of Gaffney, S.C., where he said 150 workers who made photo albums lost their jobs. “They looted that company,” Perry said, referring to Bain Capital.

Santorum’s message in New Hampshire was the same as it had been in Iowa. “Give us an opportunity to be the conservative alternative,” he said.

He sidestepped questions about his proposal to reduce or eliminate Social Security benefits for wealthier beneficiaries, saying efforts by reporters to obtain specifics were “gotcha games.”

Even though he runs second in some of the New Hampshire polls, Texas Rep. Ron Paul campaigned lightly in the state. He unveiled a new television ad in South Carolina that took aim at Santorum.

It notes the former senator’s votes against right-to-work legislation and in favor of increases in the federal debt ceiling. “Rick Santorum, a record of betrayal, another serial hypocrite who can’t be trusted,” it says.

President Barack Obama appeared to cast the New Hampshire primary as a proving ground for a presidential nominee no different from the GOP lawmakers who oppose his policies.

“Republicans in Congress and these candidates, they think that the best way for America to compete for new jobs and businesses is to follow other countries in a race to the bottom,” Obama said at a fundraiser in Washington. “We can’t go back to this brand of you’re-on-your-own economics.”

In Manchester, N.H., protesters with Occupy and Paul signs swarmed events hosted by Gingrich and Santorum.

Outside a sports bar, they pushed toward Santorum as he made his way to his car, surrounded him and at times jostled his children. Police stepped in to get the Santorums to their cars.

Gingrich canceled an appearance at his state campaign headquarters after about 40 protesters gathered at its entrance. His spokesman, R.C. Hammond, said the former House speaker’s private security detail had security concerns.

________

Associated Press writers Brian Bakst, Thomas Beaumont and Jim Davenport in South Carolina and Holly Ramer, Shannon McCaffrey, Philip Elliott and Beth Fouhy in New Hampshire and Stacy A. Anderson in Washington contributed to this report. Espo reported from Washington.

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20120110/ap_on_el_pr/us_gop_campaign

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