A study by Blue Cross Blue Shield of Tennessee takes an in-depth assessment of the possible effects that national health care reform could mean for Tennessee residents. The study estimates that 683,000 Tennesseans will get new Tennessee health insurance coverage under health care reform. It also focuses on possible changes in access to medical care, as well as the shift from employer-provided TN health insurance to the state exchange.Dr. Steven Coulter, president of the Tennessee Health Institute, conducted the study entitled “National Health Care Reform: The Impact On Tennessee.” According to Coulter, the study explores how the expansion of Medicaid and the establishment of the TN health insurance exchange in 2014 will affect the residents of Tennessee.Coulter says that since the advent of Medicare in 1965, the Patient Protect and Affordable Care Act has been the largest expansion of entitlement programs. “With the expected increase in consumers eligible for Medicaid expansion coverage and an estimated 1.5 million qualifying for subsidies in 2014, there is a great deal that needs to be addressed to ensure a smooth transaction,” he says. Coutler also noted that people who already have access to health care might have to wait longer when more people can afford to see a doctor unless there are basic changes to the health care system.What’s Happening With The Shortage Of Doctors In Tennessee?Long before health care reform, an appalling shortage of doctors was noted in Tennessee, and the situation has improved dramatically in some counties. On October 26, 2011, The Jackson Sun reported that the situation had improved in rural West Tennessee. Specifically, the doctor-patient ratio in Hardeman County went from one doctor per 4,675 people to one doctor per 2,229 people from 1992 to 1999. Chester County saw similar improvement with the ratio of one doctor per to 6,409 people falling to one doctor per 2,505 people.What’s Happening to Tennessee Health Insurance Prices?Coulter also notes the possibility that young adults will have to pay more for Tennessee health insurance by 2014. That’s because health care reform tends to level the playing field, so to speak. Groups, like the long living, have been paying high premiums, while young people have been paying low premiums. To average out the price of TN health coverage for all residents, some will likely end up paying more, but those who have been paying high rates, will get a break.Who Stands To Gain The Most From Health Care Reform?Overall, the people with the greatest economical disadvantages stand to benefit most as access to health care is extended to more state citizens. People who have been barred from getting TN health care coverage based on medical conditions will also get greater access to health care when they can finally get coverage.Employers are also expected to have financial gains when they can encourage employees to get Tennessee health insurance through the exchange because not providing coverage will improve the company’s bottom line.Will Everyone Directly Benefit From Health Care Reform?It remains to be seen whether people who currently have TN health insurance will have longer wait times for health care, with more doctors and clinics coming to the state. For example, a federally-funded clinic opened in Hardeman county in 1993 and in Hardin county in 1995. In East Jackson, West Tennessee Healthcare opened a clinic in 1996, and federally-funded clinics have been operating in Fayette and Lake County since the 1970s.Tennessee health insurance companies will have to navigate new price regulations and could see their profit margins decreasing over time. Insurers selling individual TN health insurance plans are already required to spend 80 percent of the premiums they take in to pay for policyholders’ care. That reduces the amount of premiums they have been permitted to keep as profit. Group plans have been managing regulations that require they spend 85 percent of premiums for policyholders’ care, though.
Family health insurance is a very important topic for many consumers with families primarily because of the importance ones places in the health of their loved ones. Making sure your family members are adequately covered with the best health insurance money can buy is a number one priority for many people and a top benefit that employees look for from their employer or job. Let’s face the facts as a provider for your family their health and your own medical needs are nothing to shy away from so make sure you perform the proper online research prior to selecting a health insurance company in order to find a health care plan that will address all of your family’s medical needs.The major reason for obtaining health insurance for yourself and your family members is to make sure you’re covered for any type of medical emergency whether it is big or small. Health insurance provides a peace of mind knowing that your health care provider covers routine medical exams and appointments as well as full-blown emergencies involving the hospital. Family health insurance can also be a big help when it comes time to pay for prescriptions, which many consumers are finding out can cost quite a bit of money in today’s inflation ridden economy.As mentioned previously, the best family health insurance plans can provide important health care coverage for a variety of medical needs to include doctor or hospital visits, eye or vision exams, dental appointments, specialty procedures to include x-rays and physicals and routine medical appointments. Depending on what type of health insurance plan you have the opportunity to choose your own health care provider, doctor or physician may exist. Although in most cases many people end up with an insurance plan that mandates that they choose from a list of doctors provided to them by the health insurance provider. This is typically how Heath Maintenance Organizations or HMO’s work.Naturally there are a large number of health care plans to choose from so making sure to finding the right health insurance provider does take a small amount of work on behalf of the consumer, but it is time well spent if it allows you to the opportunity to obtain health insurance for yourself and your family at a price you can readily afford. A couple of key points you may want to remember while you perform your health insurance company search. First you need to make sure you receive the health care coverage you need but at a price you can afford. The most expensive coverage does you no good if it leaves you broke or out of money all the time. Second, make sure you read all of the fine print on the health insurance providers website or call to speak to a customer service representative. The last thing you want to find out is that something’s not covered while you’re at the hospital receiving treatment for it.Finding the best family health insurance that will cover all of the basic and specialized medical procedures for your family at a decent price doesn’t have to be difficult. Take some time to search the many different plans offered online by the top health insurance companies in order to find health insurance for you and your family that you can trust and can afford.