Dental health is important in overall health, and fewer Americans opt for dental coverage as opposed to health insurance coverage, despite its importance.

While there is much to be excited about in the new health reform law, one critical piece of care is still going to be missing for millions of Americans: Dental care.   An estimated 132 million Americans are without dental insurance (compared to the 47 million without health insurance).

While many Americans perceive dental insurance as a luxury they cannot afford or oral health problems as a minor inconvenience, anyone who has ever had a toothache knows better.   Oral health problems can be painful, but they also have some big implications for the rest of our body.  For example. poor oral health can lead to heart disease.  In 2007, a young boy from Washington DC died after an infection from a molar spread to his brain, prompting outrage.

The Importance of Dental Coverage

Oral health problems are also a significant issue for employers and educators.  Studies tell us that over seven million days of work are missed every year in this country because of oral health problems.  Oral health problems are the leading cause of missed school days for children.  And oral health problems are a significant problem for older adults.  Many seniors are surprised to learn that Medicare does not pay for routine dental care.

States Cutting Dental Benefits

The truly bad news is that all these problems may become worse before they get better.  In response to budgetary woes, a number of states have cut dental benefits for their Medicaid populations in recent years.  For example, California no longer covers optional adult dental care under its Medicaid program (recipients can get badly needed care such as extractions).  While federal health reform expands eligibility for Medicaid, this may be challenging because so few dentists will see patients covered under the program.

The new law does provide subsidies to help adults obtain overall health care coverage.  Such subsidies indirectly could help Californians pay for dental treatment by lessening the financial burden of medical care, but with 132 million Americans without coverage for their teeth, there is still a long road ahead.

photo credit: Joaquin Villaverde

The growing trend of high-deductible health plans for employee health coverage could be a troubling sign that the quality of coverage through employers is declining.

The days of 100% health insurance coverage by employers are long gone. Employees all over the nation contribute nearly 20% to their employer-sponsored health care packages. For those employees who currently complain about the amount of their health care contributions, brace yourselves. Your employer may be looking to grab a higher-deductible health insurance option as a means for them to save a few dollars in a still-struggling economy.

A little high-deductible health plan history

Higher deductibles aren’t a new thing. Since 2003, high-deductible health plans have been working their way into the health care industry. Most have an average deductible rate of $1,200.00 for individuals and $2,400.00 for a family plan. The logic behind the high deductible is that it is supposed to serve as an incentive for people to make wiser choices for their individual health needs, and not run to the emergency room for every little ache of pain. For employers, the higher deductible rates mean lower premium costs, and this reasoning is catching on.

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The Canjet C-FTCZ Boeing 737-800

Planning a vacation to another country this year? Great, do you think you can fit me inside your suitcase and smuggle me along with you? No? Going away on a vacation abroad is a fantastic way to escape the real world for a little while and to learn about other cultures and parts of the world.

Unfortunately, most health insurance carriers won’t cover you while you’re outside of United States soil, so anything that might happen to you while you’re traveling will not only be out of your own pocket, but you might find it harder to get seen for any kind of treatment. Things like travel insurance are essential, and there are other great tips you might find handy for your travels abroad. Consider this post your to-do list when getting ready for a vacation-print it out and hang it next to your suitcase as you pack. Bon voyage!

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Congress is in recess, and – as was expected – the bill that would have extended COBRA was allowed to lapse.  As of June 1st, the federal government will no longer subsidize COBRA premiums.  What does this mean to you, as a health insurance consumer? Read on to learn more.

What is COBRA Coverage?

COBRA is a form of protection for individuals who become unemployed and have their health insurance benefits taken away as a result. It was first introduced in 1986, under the Consolidated Omnibus Reconciliation Act passed during the Reagan administration. Since then, millions of unemployed workers have had the opportunity to retain the coverage that was provided to them by their former employer.

In 2008, when the economy took a nosedive, millions of people became unemployed (the best estimates show that a record 10 million are collecting unemployment insurance and half of the 15.3 milion jobless Americans have been unemployed six months or longer). The newly elected Obama administration stepped up to the plate and added government subsidies to help cover the cost of COBRA through the American Recovery and Reinvestment Act of 2009.

Under the ARRA, COBRA was provided at a 65% discount to the unemployed. What this meant was that a typical COBRA plan (which would have cost a family in California $1,107 a month and 82% of their unemployment check) would have cost only 35% of the actual cost of the plan – or about $390 for a family. The subsidy finally made COBRA affordable for most American families.

What’s Changed about COBRA Subsidy?

As of June 1, 2010, anyone who becomes unemployed will no longer receive subsidized COBRA coverage. This means that you will need to pay the full premium for coverage, which could total more than 3/4th of your unemployment check! Unfortunately, Congress is in a fiscally conservative mood, so you won’t be able to take advantage of any more federal subsidies.

However, the good news is that there are essentially dozens of alternative health insurance options within your reach. The thing most consumers may not realize is that COBRA is priced as group coverage – and it often includes coverage that you may not need as a family. You can take advantage of drastically lower rates simply by opting for a private health insurance alternative. All you have to do is click here to request a free quote!

Have you ever pondered what health insurance and healthcare was like throughout your state? Or maybe you and your family are planning a move to another part of the country and want to know what you can expect in terms of health coverage in a state. The Robert Wood Johnson Foundation is making sleuthing like this a whole lot easier for inquiring minds who want to know. They have created a stellar resource website at statecoverage.org, where you can find statistics for all 50 states. Want to compare the coverage provided by employers in Wisconsin versus the coverage provided by employers around the country? Are you curious about the Medicaid coverage in Oregon?

What Makes this Health Insurance Tool Useful

I’m so impressed with this site’s usability and easy of navigation. I’ve always wanted to live in Oregon, as I have a on of family living there and let’s face it: it’s absolutely beautiful there. But let’s say I wanted to truly make a move there and was worried about what type of health coverage would be available me. Once I open the “State Profiles” page, I’m presented with a map of the United States, broken out into states. I clicked on Oregon, and up popped information that can be useful to everyone, despite how you like your information presented. On the Oregon page, I discovered both graphical representation of data (read: bar graphs) and some cold hard numbers.

If you’re looking at a particular state’s data and wondering just where in the heck these statistics came from, the site does a terrific job of citing their sources. Just click on the “Resources” tab for any given state, and you will see listed any source that data was gathered from, including a link to the exact report. For those of you cynics who don’t like to take things at face value, I think this is valuable addition.

Muddling Through the Insurance Jargon

If you’re at the beginning of your insurance journey, you may be looking at terms like Medicaid or SCHIP and scratching your head. Luckily, State Coverage Initiatives has done all of the information gathering for you. Instead of only providing you with facts and figures with no explanation of terms (leaving you opening countless different windows trying to track down what these terms mean), you can click on “Coverage Strategies” at the top of the page and be given in depth definitions of many of the types of coverage you’ll see talked about on other parts of the site. Also impressive is the readability of the definitions-no confusing, misleading trickery here-they lay everything out for you so that it is easy to understand and digest.

Insurance Resources Galore

One fantastic thing about the internet is that there is a wealth of information to be found on just about any subject. It can be difficult to find a reliable and informative site sometimes, and State Coverage Initiatives seems to be one of the good guys. Once you have gotten the specific state information you are looking for, you may be ready to look into purchasing some type of insurance for yourself. There are so many different plans out there, and they vary drastically by carrier and area, so please visit our health insurance by state section arm yourself with even more information to help you with any insurance decisions you’re facing.

In the last post we reviewed a few of the top health breakthroughs of last year. Here, we’re continuing the series with more information about BDNF, Vitamin D, and 2009 New Year’s resolutions.

A Little More About BDNF

What is this mysterious acronym and what does it do for your body? This snazzy molecule in the body is a great find of the past year, because it is a key player in keeping nerve cells alive and helping stimulate the growth of new nerve cells. Nerves basically keep everything in your body circulating and moving, so you can imagine that their maintenance is a pretty high priority for the body.

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