Posts Tagged ‘blue cross blue shield’

Hamilton Plans Contract Discussions Next Month With Four Large Insurance Companies

June 4th, 2010

Hamilton Health Care System and Blue Cross Blue Shield of Georgia have reached an agreement to provide health care services for the University System of Georgia.

The agreement will allow any of the 50,000 employees and retirees of the university system, including those at Dalton State College, to receive care at either Hamilton Medical Center or Murray Medical Center as part of Blue Cross’ preferred provider organization (PPO) network. The agreement will also mean university employees and retirees will have access to more than 200 physicians in the area, according to Blue Cross.

In a statement, Blue Cross said Hamilton placed talks to cover all of Blue Cross’ PPO customers on hold on July 14. But Hamilton and Physicians Health Services, which represents almost all of the area’s doctors, say they will begin negotiations next month with Blue Cross and other major health insurance companies that may bring the hospitals and local doctors into those companies’ PPO networks.

“We are planning to start having language discussions, contract language discussions next month,” said David McCreery, president of Physicians Health Services. “That is the first step. Depending on how quickly they are willing to move on that, we are ready to proceed with at least the four major players in the marketplace.”

McCreery says those companies are Blue Cross Blue Shield, United Healthcare, Aetna and Cigna, the four largest health insurance companies nationwide.

“We plan to actively contact them, not just sit back and wait on them to call us,” he said.
Hamilton, and many local doctors, do not currently accept those major plans.

“We want the community to know we have heard the community’s request to access our services through a wider variety of insurance plans, and we are working hard to extend our relationship with Blue Cross and other national insurers,” said Hamilton CEO John Bowling.

Will having reached an agreement on university employees make it easier for Hamilton and Blue Cross to reach an overall agreement?

“Blue Cross and Blue Shield of Georgia has approached the two discussions independently of one another and does not feel that one discussion will impact the other,” Blue Cross said in the statement.

Bowling says that the university agreement might make it a bit easier since each side is now more familiar with each other’s concerns.

“The caveat would be that this is a Board of Regents matter. Therefore, they control it, not Blue Cross. Blue Cross just serves as a third party administrator. Blue Cross is not the payer there, and where Blue Cross is the payer, there’s likely to be some different contractual language,” he said.

Hamilton and Physicians Health Services say clinical integration — developing a common set of clinical protocols for all physicians — will be key to contract negotiations. They had set a deadline of July 31 to complete that process.

“The plan was to try to do that. It was really a deadline requested by the Chamber of Commerce. We are running a little behind that schedule. There have been some unanticipated difficulties with the information systems of the physicians,” said McCreery. “But we have made a lot of progress. We are getting real close to saying that we are clinically integrated. We’re trying to make sure the difficulties we have encountered don’t slow down our ability to engage in the contracting process.”
In April, several local business leaders sent a letter to Bowling asking for local health care providers to take part in a larger number of health insurance networks.

What To Do If You Lose Your Health Insurance, Georgia Resident

July 4th, 2009

The state of Georgia has one of the highest unemployment rates in the United States. That is a lot of people who are currently without regular full-time salary. This number of people may also no longer get their health insurance Georgia benefits through their place of employment.

COBRA law was put into effect in 1985 to require employers to allow employees to continue to receive health insurance benefits. However, employees have to pay for their own monthly premiums. And often, the group plan they were enrolled in, as part of their compensation package, is too expensive to pay out of pocket, when you are out of a job. Group health insurance Georgia plans are often more expensive than similar individual plans because the health insurance carrier has to accept every enrolled employee, regardless of their current health condition. Because insurance companies choose who they approve for individual coverage, health insurance Georgia individual plans are often more affordable than group plans.

Unemployed persons who are currently using COBRA to continue their group plan coverage may be better served by researching all the different health insurance Georgia products offered in the state. There are several large health insurance Georgia companies with products, specifically geared towards Georgia residents. These are very affordable options with low co-payments and low deductibles, and affordable, reasonable monthly premium. And often, they are at a lesser cost than what it would cost to continue making COBRA payments.

Health Insurance Georgia Plans Come in many Shapes and Sizes

For example, Coventry Healthcare has some of the most affordable health insurance Georgia plans in the state of Georgia. But United Healthcare and Blue Cross Blue Shield also have very reasonable health insurance Georgia plans. You can choose from a high deductible, low premium health insurance Georgia plan, if you hardly ever need to visit doctors, but want a health insurance Georgia policy in case of an unexpected illness or injury. If you have a young baby, you would probably want a low co-payment health insurance Georgia plan, even if the premium is higher, because you will be taking the baby for check-ups every few months.

Some of the health insurance Georgia companies have interactive tools to help you choose the best plan. Some of the companies have hundreds of health insurance Georgia policies and plans for you to look at. If that is too many, then use one of their interactive tools to help you narrow down the policies. Some of the interactive tools help you decide which health insurance Georgia plan is best for you by determining the stage of life you are in. Another option for narrowing down the health insurance Georgia plans is to speak to a customer service representative for a licensed, independent insurance broker in order that they do all of the research and then just show you the best four or five health insurance Georgia plan options. Sometimes it is easier and more convenient to choose from four or five health insurance Georgia plans than to look at the hundreds of options out there. That can be a bit intimidating.