The Number of Primary Care Doctors is Shrinking, and That is Really Bad News

Primary care shrinking
Access to primary care physicians is a matter of the number of doctors who choose to pursue primary care as a career. Pay for those roles is lower than it is for most specialists and no surprise, fewer are choosing to go into this important part of the healthcare profession.

On the Houston Healthcare Initiative Podcast

The Number of Primary Care Doctors is Shrinking, and That is Really Bad News

July 20, 2021 – The Number of Primary Care Doctors is Shrinking. An important contributor to the health of Americans is shrinking and the effects on the overall health of people in this country is and will continue to be negatively impacted. This is the subject of the latest edition of the Houston Healthcare Initiative Podcast.

Lower Pay

Fewer medical school graduates are choosing primary care because it pays significantly less than other specialties. Worse still, a lower number of primary care doctors is linked to 85 deaths every day, according to a study published by the National Academy of Sciences. Can primary care doctors make more money? “Under the current system of payment via employer funded health insurance it will be challenging to make that case,” Dr. Goldstein said. “But there may be a chance for new primary care doctors to ignore most of the insurance companies and their accompanying rules and work on a cash basis.”

Cash Only Please

Even patients who have their own health insurance can often save themselves money by paying cash. Doctors will not have to hire staff to process insurance claims, hassle with them over payment or non-payments. Patients save money on premiums and the doctors have fewer expenses. Patients pay less, doctors keep more of the fees because of lower expenses.

Covid Pandemic Bankrupts Many Practices

In addition to a shortage of practicing doctors, primary care visits declined significantly during the COVID-19 pandemic. Add to that a good number of primary care practices were not able to access federal funds and relief and went under. “If these trends continue, it will have a very negative impact,” Dr. Steven Goldstein told his listeners. “Regular visits to the primary care or family doctor allows that physician the chance to know his or her patients better. What are their medical histories, prescribed medication, allergies, or family histories that could affect a diagnosis? These are details that the primary care doctor will know because he or she has a history with patients.”

What Difference Does It Make?

A single visit to a primary care doctor makes a difference for the patient. “When you get sick, that doctor knows how to treat you,” Dr. Goldstein said. Primary care is a health care component where an increased supply is associated with better population health and more equitable outcomes. “For this reason, primary care is a common good, which makes the strength and quality of the country’s primary care services, or its lack, a public concern.”

About the Houston Healthcare Initiative Podcast                                                                   The Houston Healthcare Initiative podcast with Dr. Steven Goldstein is an information vehicle for people who want to know all medical options for themselves and are interested in reforming the healthcare industry. To hear the podcast go to: SoundCloud, iHeartRadio, Stitcher, Backtracks, LibSyn, or the website at www.houstonhealthcareinitiative.org. Dr. Goldstein insists that for the health and welfare of the American public, the congress must pass reforms that limit the influence of the pharmaceutical industry and its lobby.

Healthcare Payment Reform is Critical to Improving Primary Care

Backs of doctors
Doctors are leaving the primary care practice in numbers that lead to 85 deaths per day. Better pay will retain more for this important healthcare function.

Access to and paying for healthcare is a topic that Dr. Goldstein talks about a lot on the podcast and this one is no exception. But in this case access to primary care is a matter of the number of doctors who choose to pursue primary care as a career. Pay for those roles is lower than it is for most specialists. A lower number of primary care doctors are linked to 85 deaths every day according to a study published by the National Academy of Sciences. In addition to a shortage of practicing doctors, primary care visits declined significantly during the COVID-19 pandemic. Add to that a good number of primary care practices were not able to access federal funds and relief and went under. How can we manage all this? For answers we turn to respected neurologist and the founder of the Houston Healthcare Initiative, Dr. Steven Goldstein.

Listen to the Houston Healthcare Initiative podcast about primary care physicians here. Healthcare Reform is Critical to Retain Primary Care Docotrs

How To ‘Hack’ Your Health Savings Account

How To ‘Hack’ Your Health Savings Account

On the latest edition of the Houston Healthcare Initiative podcast, respected Houston based neurologist Dr. Steven Goldstein describes how people can best use the often-overlooked benefit known as the Health Savings Account.

The Health Savings Account, or HSA, is a type of savings account that is used for medical expenses. Congress established them in 2003 for those with high deductible health insurance. It is a way to pay cash for routine medical care with pretax dollars. Because the HSA requires a high deductible health insurance account, routine healthcare expenses are not covered, but can be paid for by the HSA. HSA’s are potentially a good value for those who can take advantage.

The High Deductible Health Insurance Plan

A high deductible insurance plan is one where the deductible is higher than with other policies. The ‘deductible’ is the amount the patient has to pay out of pocket before the insurance kicks in. A high deductible is usually between $3,000 – $10,000. “Of course, the higher the deductible; the lower the premium,” Dr. Goldstein told his listeners.

Who Should Consider an HSA?

First, who is this not for? “If you are already sickly and have $5-10,000 in medical expenses every year, the high deductible policy with HSA is probably not for you,” Dr. Goldstein said. “The time to start a high deductible plan with HSA is when you are young and well. Even if you had $10,000 in expenses in one year, it is highly unlikely these expenses would continue every year.”

Tax Free Deposits

The money deposited into the HSA account is not taxed. Many companies contribute to an employee’s HSA to encourage its use. Further, HSAs feature a triple-tax benefit: money the employee contributes to the HSA can be written off on taxes and thus reduce an income tax bill. “Money in your HSA grows tax free, Dr. Goldstein reported. “When you withdraw money for qualified medical expenses, no tax is paid on the withdrawal. However, if you withdraw money for non-medical expenses, you do pay tax as well as a penalty.”

About the Houston Healthcare Initiative Podcast

The Houston Healthcare Initiative podcast with Dr. Steven Goldstein is an information vehicle for people who want to know all medical options for themselves and are interested in reforming the healthcare industry. To hear the podcast go to: SoundCloud, iHeartRadio, Stitcher, Backtracks, LibSyn, or the website at www.houstonhealthcareinitiative.org. Dr. Goldstein insists that for the health and welfare of the American public, the congress must pass reforms that limit the influence of the pharmaceutical industry and its lobby. Houston Healthcare Initiative seeks to change the way people think about healthcare. Find healthcare pricing and local provider rates!

 

8 Questions and Answers… What to Know When Considering a New Doctor

8 Questions and Answers…

What to Know When Considering a New Doctor

What to Know When Considering a New Doctor. Eight answers from a practicing physician. 

May 11, 2021 – What should anyone know or ask when considering a new doctor or primary care physician? On his regular podcast, Dr. Steven Goldstein, founder of the Houston Healthcare Initiative tells his listeners what to know and ask when considering a move and why we all even need our own primary care physician. Below is a list of questions and Dr. Goldstein’s answers to them.

Where to Listen

To hear the Houston Healthcare Initiative podcast, visit one of the following: :  Apple Podcasts, LibSyn, Spotify, Radio.Com, Listen Notes, iHeart Radio, Podcast Addict, Podbay, Backtracks, Player FM, Stitcher, and SoundCloud.

Questions and Answers

  1. Why is choosing a regular or primary care doctor such a big deal?

“If you don’t have a regular or primary care doctor, you could be missing out on a very important relationship with someone in a position to help you stay healthy and live the best life possible.  Over time, a regular or primary care doctor learns all about you and your history. So, choosing one is very important and the right time to find one is when you do not need one for any type of immediate care.”

  1. A regular primary care physician knows us, which is good. But what other reasons are there to have one?

“People with primary care doctors are more likely to get preventive services, including cancer screenings, and report significantly better health care access. According to the Journal of American Medicine, Americans with primary care doctors received significantly more high-value care and reported significantly better health care access and experience. Patients in states that spend more on primary care have fewer hospitalizations and emergency room visits. So, there is no doubt that a regular or primary care physician is an important part of anyone’s health and well-being.”

  1. How does one go about finding a primary care doctor?

“Make sure that the doctor you choose or consider, offers easy access – either by phone, email, telemedicine visit, or office visit. You should shop the price and accessibility in advance so that you are not desperate when a health issue arises. An alternative is to identify a doctor hotline to call in an emergency.”

  1. How does the patient know if he/she can afford care and what is the best way to pay?

“When you make an appointment with a new doctor, ask what the cash price for your initial visit will be and ask to compare it to the discounted price your insurance company has negotiated. You may need to speak to the billing office or the office manager to find this out. A common answer is that it depends on the complexity of your problem. When you hear this ask, ‘can you give me a range from a routine to a complex visit? Can you also tell me what my insurance allows?’ If you have the temperament, you can also try to negotiate a cash price. If you are treated poorly or they refuse to give you this information, find another doctor.”

  1. What should a new patient expect on their initial visit?

“When you first arrive, you will be greeted by a receptionist and given multiple forms to complete in the waiting room. Make sure when you come to the ‘consent for treatment’ form you are not agreeing to any test the doctor orders, but you reserve the right to accept or refuse any test in advance. Then you will be escorted to a room where a medical assistant will record your symptoms, take your vital signs and depending on the doctor’s specialty might wish to perform ‘routine’ tests. You can feel free to question the reason for these tests and have a perfect right to refuse them if you do not understand.”

  1. So, some tests are not really needed?

“Precisely. But it is not because anyone is being dishonest. According to a study in the journal Academic Emergency Medicine, the top two reasons doctors ordered tests was fear of missing something that would help them diagnose their patients, and protection against malpractice. The authors of that survey also say that nearly all of the emergency room doctors—97%—admitted to personally ordering unnecessary imaging tests.”

  1. It’s easy for people to be intimidated by their doctor and not be keen to pose questions. So, to help get us started what should we ask?

“You can ask how the doctor arrived at the diagnosis. You can ask if doing any of the tests ordered will affect his treatment plan and are there alternative ways of arriving at the diagnosis. You can ask about the prognosis and what to expect from treatment including possible side effects and what to expect if the condition is untreated. At the end, send yourself another text when the doctor leaves the room. This will document the time the doctor spent with you and this information can be useful to be sure you are not overcharged, your time with the doctor was adequate and a good value.”

  1. I know my primary care doctor has some lab testing capability in his office and others also have x-ray machines. The convenience notwithstanding, are we obligated to do the tests where the doctor sends us?

“No. There is no need to get testing done at the doctor’s office

or at a facility recommended by the doctor. These prices are almost always better at an independent facility and are usually much better than the insurance company discounted price. Your objective is to be as healthy as possible. But no one should have to go broke in the process.”

More Than Just Another Doctor

A primary care physician is more than just a doctor. Over time, he or she learns the nuances of their patients’ medical history, reaction to medications, health goals, lifestyle, treatment preferences and whether or not a caregiver is supporting you in managing the individual’s health. Nothing is more personal. Paying for it is also personal. The time to check prices and ask questions is early in the process of selecting a doctor, not when arriving in an emergency room. Remember too that those who have a regular or primary care physician will be in better shape because of it.

Conclusion

Listen to the over 50 episodes of the Houston Healthcare Initiative podcast on the website, which is www.houstonhealthcareinitiative.org. Plus, there is lots of other information associated with those podcasts and news coverage about Dr. Goldstein and the work he does with the Houston Healthcare Initiative.

 

The Houston Healthcare Initiative podcast with Dr. Steven Goldstein is an information vehicle for people who want to know all medical options for themselves and are interested in reforming the healthcare industry. To learn more about the Houston Healthcare Initiative please visit www.houstonhealthcareinitiative.org.

Obesity And Inactivity During Pandemic Caused Greater Covid Infection

April 29, 2021 – On his latest podcast, Dr. Steven Goldstein told his audience that Americans gained a good bit of weight during the lockdowns caused by the Covid-19 pandemic. But that was not the only bad news. The sad irony that obesity increased the risk of hospitalization due to the Covid-19 infection was not lost on him or his listeners as obesity and inactivity during pandemic caused greater covid infection risk. The cruel combination of lockdowns that were supposed to help keep the American public safer created a situation that made the likelihood of infection and a difficult recovery more possible.

Fat people are at increased risk of morbid covidity
The vast majority—78%—of U.S. patients hospitalized with COVID-19 were overweight or had obesity according to the American Medical Association.

The Houston Healthcare Initiative podcast can be heard on: : Apple Podcasts, LibSyn, Spotify, Radio.Com, Listen Notes, iHeart Radio, Podcast Addict, Podbay, Backtracks, Player FM, Stitcher, and SoundCloud. There is a way to repair this and many other weight related health risks if individuals change their eating habits.

The Consequences of Obesity & Covid-19                                                                              

The vast majority—78%—of U.S. patients hospitalized with COVID-19 were overweight or had obesity according to the American Medical Association. The numbers for intensive care, invasive mechanical ventilation and death were nearly the same.  In short, the quarantine was and is associated with stress and depression leading to unhealthy diet and reduced physical activity. “The main culprit in all of this was what we choose to eat before and during the pandemic,” Dr. Goldstein said.

This Century’s Dietary Downward Spiral

The obesity rate in the U.S. steadily increased since the initial 1962 recording of 23%. By 2014, figures from the CDC found that more than one-third of U.S. adults and 17% of children were obese.  The National Center for Health Statistics at the CDC showed in their most up to date statistics that 42.4% of U.S. adults were obese as of 2017-2018 (43% for men and 41.9% for women).

Americans in general consume more calories than needed. “We eat out way more than we ever did before,” Dr. Goldstein commented. “School systems encouraged unhealthy eating practices among children by accepting soft drink and fast-food contracts because they provide large commissions for financially strapped schools. The increase in energy intake or calories has been paralleled by a decrease in physical activity. Not moving is the norm. And that was especially the case during the pandemic.”

Discouraging but Curable

Rather than be discouraged by this news Dr. Goldstein was hopeful because the treatment for this is known and within the reach of all Americans; that they all make better decisions about what they eat.  “Everyone in the USA can literally take control of their own health and well-being with better choices at the table, store and restaurant and that can start right now, for everyone,” he said.

The pandemic and lockdown brought a lot of significant change to American society. The tendency to sit and eat was exacerbated considerably. “With more people moving less than ever while snacking constantly it is no wonder that our collective weight is so far up,” Dr. Goldstein concluded. “This is an easy fix for us all if we will just make the changes.”

About the Houston Healthcare Initiative

The Houston Healthcare Initiative podcast with Dr. Steven Goldstein is an information vehicle for people who want to know all medical options for themselves and are interested in reforming the healthcare industry. To learn more about the Houston Healthcare Initiative please visit www.houstonhealthcareinitiative.org.

The solution to this issue is simple but not easy… Obesity Linked to Greater Risk to and from Covid-19 Infection

junk food
Eating from the added stress of quarantine caused a lot of excess snacking, take-out food and kettle corn consumption while binge watching television.

The solution to this issue is simple but not easy…

Obesity Linked to Greater Risk to and from Covid-19 Infection. People who are overweight were already at more risk of stroke, heart disease, and diabetes. We can now add complications due to the Covid-19 infection to the list. According to the Center for Disease Control (CDC) obesity increases the risk of hospitalization due to the Covid-19 infection. More than 900,000 adult COVID-19 hospitalizations occurred in the United States between the start of the pandemic and November 18, 2020. Models estimate that 271,800 (30.2%) of these hospitalizations were attributed to obesity.

This is the subject of the latest Houston Healthcare Initiative podcast with Dr. Steven Goldstein. “We have no control over the Covid-19 virus or any other pathogen,” Dr. Goldstein told his audience. “But we can make our chances of recovery and even possible avoidance much better with a sensible diet.” To hear the Houston Healthcare Initiative podcast go to: Apple Podcasts, Audacy, iHeartRadio, ListenNotes, Spotify, Stitcher, Backtracks, PodbayFM, and SoundCloud. This and all other editions of the Houston Healthcare Initiative podcast can also be heard on www.houstonhealthcareinitiative.org.

Control through Choices

According to the CDC, a study of COVID-19 cases suggests that risks of hospitalization, intensive care unit admission, invasive mechanical ventilation, and death are higher when Body Mass Index (BMI) are higher. “Everyone listening can take control of and make a significant, positive impact on their own health by making better choices about what they choose to eat or drink,” Dr. Goldstein said. “Not smoking and exercising regularly add even more benefits.”

Stress and Eating

Eating from the added stress of quarantine caused a lot of excess snacking, take-out food and kettle corn consumption while binge watching television. Add to that Zoom calls and a day seated in front of the computer screen, there was not much movement to counteract all those questionable decisions about what and when to eat. “People eat and ate more because of stress or boredom but did not increase their movement to counter those extra calories consumed,” he said. “Americans did not move at record levels.”

Seated While Stressing

Motionless is the norm, and Americans are not moving like never before. “I guess we could say that Americans are not moving at a record setting pace,” he said. “But the sad truth is that sedentary workplaces and motionless home lives are really bad for us. But, and to really stress this, it’s what we eat that is the main culprit,” Dr. Goldstein said. Many of the country’s health care problems are “self-inflicted” and are preventable through proper diet. With more people moving less than ever while snacking constantly it is no wonder that our collective weight is so far up. “This is an easy fix for us all if we will just make these changes.”

About The Houston Healthcare Initiative

The Houston Healthcare Initiative podcast with Dr. Steven Goldstein is an information vehicle for people who want to know all medical options for themselves and are interested in reforming the healthcare industry. To learn more about the Houston Healthcare Initiative please visit www.houstonhealthcareinitiative.org.

Where did the money go? Insurance companies keep about 33% Healthcare By The Numbers

Where did the money go? Insurance companies keep about 33%… 

Healthcare By The Numbers

Where did the money go? What is the American public buying when it pays for its health insurance and is it a good value? If the public knew that their insurance company kept as much as 33% of what they spent how would they react? While there is nothing wrong with making a profit, there is also no issue with insisting that money provide a good value. On his weekly podcast, Dr. Steven Goldstein describes in detail where all that money goes. The Houston Healthcare Initiative podcast can be heard on : Apple Podcasts, LibSyn, Spotify, Radio.Com, Listen Notes, iHeart Radio, Podcast Addict, Podbay, Backtracks, Player FM, Stitcher, and SoundCloud.

Where Does That Money Go?

Most people and their families who have health insurance, have it through their employer. The business pays for some if not most of the premiums and the employees pay deductible and out of pocket costs. But where does all that money really go? Does the public purchase more benefits or receive a better value as a result of what they were charged for that insurance?

Hospitalization Charges & Costs

When Paying for Healthcare?
Is what the public paying for healthcare and health insurance a good value?

Dr. Goldstein told his listeners, that in 2018 the average cost of hospitalization was about $10,000.00. The average charge for hospitalization with private insurance was about $20,000.00, thus the amount charged was double the cost. “Now let’s multiply that same number by a sample of the population, Dr. Goldstein proposed. “The average number of hospitalizations per year was about 9 for every 100 people. So, for those nine, the amount the insurance company collected was $180,000.00.” But there was more to healthcare payments than simple hospitalization. “People often go to the doctor and have what are classified as outpatient charges. Those are charged at about $500.00 a year, per person,” he said.

Add Drug Costs

The drug costs across the population were estimated at $1200.00 each. “We can reasonably assume that drug costs are higher for the over 65 population,” Dr. Goldstein said. “Now, for people under 65 years of age the expense estimate is less. So, the amount paid overall by the population of 100 people is about $500.00 each. The total for 100 people at $500.00 each is another $50,000.00.”

Factor Insurance Into The Equation

To get to the ultimate amount of money spent and where it all ends up, the cost of insurance factors in. “Say someone has a $50,000.00 deductible along with discounts they receive from the Preferred Provider Organization (PPO), we can figure a $20K discount for our 100 people,” He said. “Or charges to them all of $30,000.00.”

It is here the distinction between price and costs reveal an interesting outcome. Insurance will generally pay two thirds of the cost with the other, remaining third paid by the individual in the form of co-payments and applied deductions. “If we add these costs together, we find the total charges for 100 people = $300,000.00,” Dr. Goldstein declared. So where does the other one third go?  “The very cheapest Blue Cross policy for a 31-year-old male living in zip code 77096 (the Houston are) was $257/month or $3084/year, said Dr. Goldstein. “The cost for 100 people would be $308,000.00 annually but would have a $7400.00 deductible.”

For someone age 50, the cost was $4000.00 annually. The high deductible means that outpatient care is not paid for and that the insurance only pays for the reinsurance and hospitalization costs of $200K. So, who benefits the most from these expenditures?

No surprise, it’s the insurance company. “The gross profit for them is at least $100K. That is income per 100 patients of at least $300K less claims of $200K.” Is this a good value for the public? It’s a fair question and good way to think about healthcare costs.

A study in ‘Health Affairs’ co-authored by a Princeton University health economist, found that Americans use the same amount of health care as residents of other nations. They just pay more for them. U.S. hospital prices are 60% higher than those in Europe. Government efforts to reform health care and cut costs raised them instead. “Our system is broken and needs to be overhauled,” Dr. Goldstein said. “Efforts at reform, that we have talked about before on the podcast, are a waste of time and effort when the overall system for providing and charging for healthcare is so fundamentally broken.”

About Dr. Steven Goldstein and the Houston Healthcare Initiative

The Houston Healthcare Initiative (HHI) was founded by respected, Houston neurologist Dr. Steven Goldstein. Like many Americans, Dr. Goldstein is concerned about the state of the U.S healthcare system and the sorry state of the public’s health. The Houston Healthcare Initiative web site is an aggregator of news, healthcare pricing information, and resources for those who want to help drive reform for the healthcare industry. HHI’s emphasis for reform is on free market innovation and personal responsibility. Learn even more here at https://houstonhealthcareinitiative.org/about-us/.

The goal of the Houston Healthcare Initiative is to be a catalyst for change in the way Americans receive and pay for medical treatment. To cause change the site aggregates information, tools, and targets for the reform of the healthcare industry with an emphasis on free market innovation and personal responsibility. Visit online at www.houstonhealthcareinitiative.org.

Healthcare by the Numbers

Where Does the Money Go When Paying for Healthcare; Prices, Costs, and Value…

Healthcare by the Numbers

March 23, 2021 – On the latest edition of the Houston Healthcare Initiative podcast, Houston based neurologist and the founder of the Houston Healthcare Initiative Dr. Steven Goldstein, describes the numbers and dollars associated with health insurance and hospitalization costs. This to inform us all where the money that individuals and employers contribute goes and who really profits most.

Dr. Seven Franklin
Where does your money go when paying for health insurance?

The answers are surprising when it comes to cost, price, and the ultimate value those with health insurance derive from the premiums they and their employers all pay. Ultimately, did the public purchase more benefits or receive a better value as a result of what they were charged? “There is nothing wrong with making a profit, but most people will want to know what they bought and was it worth it,” Dr. Goldstein told his listeners.

Additionally, Dr. Goldstein describes the profits hospitals and health insurance companies accrue, what percentage of their payments actually go to help pay for their healthcare and how much the insurance companies keep. All this to help the public decide if this money was well spent or if it could be better managed.

Where To Listen

The Houston Healthcare Initiative podcast can be heard on: Apple Podcasts, LibSyn, Spotify, Radio.Com, Listen Notes, iHeart Radio, Podcast Addict, Podbay, Backtracks, Player FM, Stitcher, and SoundCloud.

About the Houston Healthcare Initiative

The Houston Healthcare Initiative podcast with Dr. Steven Goldstein is an information vehicle for people who want to know all medical options for themselves and are interested in reforming the healthcare industry. To learn more about the Houston Healthcare Initiative please visit www.houstonhealthcareinitiative.org.

Did The Covid-19 Pandemic Cost You Your Job and Health Insurance?

In a time when so many lost their jobs because of the Covid-19 Pandemic….

Job & Health Insurance Loss Come and Go Together; How To Find Affordable Coverage

March 2, 2021 — In December 2020, 66% of Americans who answered a survey said they fear they won’t be able to afford health care this year. Of the 41% of respondents who are very or moderately concerned about health-care costs, 53% are parents with children. The amount of people who were and remain unemployed because of the Covid-19 pandemic remains high. Since most individuals get their health insurance with their jobs, those same folks are also in need of medical coverage.

On his regular podcast, Houston based neurologist and founder of the Houston Healthcare Initiative Dr. Steven Goldstein has immediate and affordable medical insurance solutions for those who need coverage. To hear the podcast visit: Apple Podcasts, Radio.com, iHeartRadio, SoundCloud, and the Houston Healthcare Initiative web site. Job & Health Insurance Loss Come and Go Together.

Use the Obama Care National Marketplace

People who lost their jobs due to the pandemic have the burden of finding work and paying for healthcare. As most people’s healthcare is tied to their jobs. “There are alternatives for people who lost both their jobs and accompanying health insurance,” Dr. Goldstein told his audience. “The key for those people to get covered is to act quickly.”

One reason for this is that job loss qualifies Americans for a special enrollment period in the health insurance marketplace regulated by the U.S. government, but it only lasts 60 days. “Normally the enrollment period for this is in the month of November, but job loss allows an exception. Just remember the 60-day deadline,” Dr. Goldstein said.

Private Health Insurance

Private health insurance will sometimes offer more flexibility than standard coverage. For example, short-term policies lasting up to one year are available in many states. There are differences between health insurance and private health insurance. People buy private health insurance many times because their place of employment does not offer it. In the case of people who lost their employer provided health insurance, purchasing it like this is an option. Private health insurance is often an option for those who work part time, are self-employed, or own a small business.

Health Co-Ops

Health insurance co-ops are private health insurance plans that serve a small group of people and are owned and operated by the members of that group. The health co-operative or co-op is a member owned not for profit corporation. They are run democratically by the members.

The real benefit of health insurance co-ops are they are significantly cheaper than regular health insurance. “The monthly fees are called membership fees, not premiums, Dr. Goldstein said. “The average cost of a co-op membership is about $40 to $90. To put that into perspective, regular COBRA insurance premiums can cost as much as $650 per month.”

Job loss is unnerving enough at any time. Losing health coverage during a pandemic makes that level of anxiety even higher. Because no one wants to be without medical insurance when a previously unseen virus is spreading.  It could make you or a loved one sick at the worst possible time. Fortunately there are reasons to be optimistic about getting health insurance that is affordable and obtainable if action is taken sooner than later.

The amount of information about this and other similar issues grows ever higher at the Houston Healthcare Initiative web site and its social media sites. To learn more about the Houston Healthcare Initiative go to www.houstonhealthcareinitiative.org.

Job & Health Insurance Loss Come and Go Together.

Job & Health Insurance Loss Come and Go Together; How To Find Affordable Coverage

In a time when so many lost their jobs because of the Covid-19 Pandemic….

Job & Health Insurance Loss Come and Go Together; How To Find Affordable Coverage

Affordable Fixes for Health Insurance
Many Americans lost their jobs and health insurance all at once and are looking for affordable, practical alternatives. That is the subject of this podcast.

March 2, 2021 — The Pandemic Cost Me My Job And Health Insurance Now What? In December 2020, 66% of Americans who answered a survey said they fear they won’t be able to afford health care this year. Of the 41% of respondents who are very or moderately concerned about health-care costs, 53% are parents with children.

The Pandemic Cost Me My Job And Health Insurance Now What?

The amount of people who were and remain unemployed because of the Covid-19 pandemic remains high. Since most individuals get their health insurance with their jobs, those same folks are also in need of medical coverage. On his regular podcast, Houston based neurologist and founder of the Houston Healthcare Initiative Dr. Steven Goldstein has immediate and affordable medical insurance solutions for those who need coverage.