photo credit: Vectorportal

Both sides agree that this latest round of price increases couldn’t be more badly timed. With the economy experiencing slow growth, there is little extra money coming in to absorb the increases. This year’s price hikes come on top of relentless increases throughout the past decade. Cost of family health care plans have risen by 113% since 2001, a rate which most economists consider to be unsustainable.

Republicans and Democrats are sharply divided on what should be done. The Republicans are claiming that government involvement is distorting the healthcare market and that the law is not reformable. Therefore they say the law should be repealed. Democrats complain that the legislation hasn’t had a fair chance to work, not just because it is not yet fully implemented, but also because it lacked a government subsidized “public option” to provide the competition with commercial insurers that would keep costs down.

Others suggest there should be a willingness to fine tune the legislation as problems arise. This may involve scaling back the law in some areas that prove unworkable or too expensive, and expanding and encouraging those aspects that prove successful. In any case one thing is for certain: The Patient Protection and Affordable Care Act will be a subject of heated debate for a long time to come.

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photo credit: US Embassy New Zealand

It is most likely that the frame court will take up the dispute over the Obama healthcare initiative in the current term, which does not end until late June of 2012.

It is possible that the acceleration of preliminary arguments by the opponents of the Obama healthcare initiative were politically motivated, as they could play a large role in how the public views Obama and the accomplishments of his administration during the upcoming election next November.

Filing ahead of time is quite rare when it comes to putting legislation before the Supreme Court. This also might have been done so that the screen court justices could add it to their private conference agenda. Doing so would allow the justices to confirm that the matter had been accepted in time for the elections and the long process of reviewing the legislation put into effect.

Opponents of the Obama healthcare initiative have argued that an overriding claim of Congress regulating private enterprise fall short of an individual mandate.

When will the Supreme Court hear the case?
The Supreme Court could hear the case as early as next March. If they do so, they will most likely have a ruling before the June recess. The private conferences of the Supreme Court are set to take place next on October 28, November 4 and November 10.

Although arguments have been submitted, Supreme Court justices maintain the right to veer off schedule, and will probably handle this important issue with the utmost of care.

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photo credit: carianoff

Starbucks
Starbuck’s program (benefits package) offers complete health care for the full-time and part-time partners (employees) that are eligible, to be eligible, a partner has to work approximately 20 hours weekly, a competitive starting wage, a savings plan in the form of a 401(k) where the employer matches the partner’s contribution, stock in the company, short-term disability, tuition reimbursement, paid time off (vacation) and discounts on the company’s products.

Target
After six months, the ‘team members’ at Target working at least two and half days per week, are eligible to receive health care coverage. Erin Madsen, who is the spokeswoman for Target, stated that Target is ’very proud’ of their current programs and medical plans. These medical plans offer 100% coverage on recommended preventative care with no lifetime maximums, as well as, no pre-existing conditions.

Whole Foods
The team members at Whole Foods are scheduled to work in excess of 20 hours weekly, but no more than 30 hours a week become eligible for medical insurance benefits after meeting particular thresholds related to their service hours.

A team member must work 30 hours weekly to be considered a full-time employee. Part-time team members are eligible for other benefits that include a store discount of 20% and paid time off. Those team members who decide to participate in the ‘healthy discount incentive program’ for team members can receive another 10% off of their store discount.

Land’s End
It is anticipated that Land’s End will employ roughly 2,700 employees for the holiday season. These new employees will work in the call center and the distribution centers of the company. Many of these part-time employees will receive vision, dental and even life insurance benefits.

Lands’ End offers seasonal and ongoing part-time employees vision, dental and life insurance coverage options. The seasonal and part-time hourly requirements depend on each of the different department’s policies.

UPS
Hourly employees are offered full benefits with UPS. These benefits include tuition assistance as well as medical and dental coverage.

Most of the positions that are part-time are covered under a collective bargaining agreement. The benefits for health and wellness may not actually begin for part-time employees until 12 months after their date of hire. These benefits are not available to the temporary seasonal workers that only work for the four to eight weeks of the peak holiday season.

Home Depot
The spokesman for Home Depot, Stephen Holmes has stated that they company offers its part-time associates who have been employed with the company for no less than 90 days vision, dental and some medical benefits. This also includes an option for a critical illness.

Costco
Employees that work part-time at Costco may be eligible for medical and dental health care. The part-time employees need to work an average of 20 hours per week after being employed for 180 days.

Employees may also have the ability to use the company’s in-house optical centers for their vision care. Costco also offers a discounted co-payment pharmacy program when using the in-house pharmacy. Some of the generic medication co-pays are only , the brand name co-pays are typically capped at 15%.

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photo credit: vxla

Before It’s Too Late:
If you are uninsured and diagnosed with a serious medical condition or disease, finding a health insurance company will be much more difficult, not to mention more expensive.

photo credit: Images_of_Money

Options:
All hospitals accept insured patients, but not all accept uninsured patients. Having health insurance gives you more choices.

photo credit: prayitno

Top Priority:
Often, patients with health insurance are put at the top of the list when it comes to surgery, care, etc. The hospital knows that those patients will pay, meaning that they’re more eager to provide care.

photo credit: subewl

Keeping Your Home:
Uninsured individuals who don’t pay their bills may be at risk of losing their homes as hospitals can place a lien on property.

photo credit: l . e . o

Worry Free:
There’s no point in worrying that something will happen and you’ll be unable to pay medical bills. Health insurance takes the worry away, you can sleep well at night knowing that if something were to happen, you’d be covered.

photo credit: Ashley Campbell Photography

Your Family:
Think about what would happen to your family if you were sick and unable to medical bills. Would that put them in harm’s way financially?

photo credit: kellyv

Requirements:
Some colleges, jobs, and other institutions may require you to show proof of health insurance.

photo credit: IvanWalsh.com

Better Advice:
With health insurance, you can rest assured that any advice you receive from doctors and other health care professionals will be good and not jaded due to your lack of finances.

photo credit: kevindooley

 

You Have a Better Chance of Living:
Your chances of survival from a serious accident or sickness are better if you have health insurance as you’ll receive better care.

photo credit: sekushy

These are only the top 10 reasons to have health insurance and there are numerous other reasons. Why put yourself at risk without it?

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photo credit: akeg

Audit Yourself
Are you a sickly person? Do you go to the doctor a lot and visit the emergency room from time to time? You may want to choose an insurance where you may pay a slightly higher premium, but will give you lower co-pays and low total out-of-pocket expenses. If you are generally healthy then you might enjoy paying a lower premium and save some money for seldom using any health services.

Live a Healthy Lifestyle
Avoid tobacco and alcohol and exercise regularly. This will give you many options for a good health insurance plan. Doing this also saves you a lot of money.

photo credit: RVWithTito

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