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News from Carrera Brokerage


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8 May

Healthcare Public Reporting Websites

Get physicians, hospitals & medical facilities information

What is your role as a consumer of healthcare? In the near future you will begin to get more surveys from each doctor visit, hospital visit and any other medical facility. Your response to a hospital patient satisfaction survey will matter. Very important, is there a follow up visit with your doctor shortly after your hospital stay. Maintain and carry an accurate medication list...

24 Apr

NY Health Insurance Exchange

Gov. Cuomo Issues Executive Order Establishing Statewide Health Exchange

The Exchange will be entirely financed by the Federal government and will be instrumental to establish the first-ever comparative marketplace to bring down the cost of health insurance. By lowering the cost of insurance, the Exchange will also help more than one million uninsured New Yorkers afford coverage. If New York fails to establish an Exchange, the Federal government will step...

18 Apr

Income Protection

Disable due to illness or accident? How will I be able to pay my living expenses?

Maintain Your Lifestyle When a disabled person’s average living expenses totals more than $200,000 per year, savings accounts do not last long.  And, bills keep piling up.  Your income decreases and your expenses increase when you suffer a debilitating illness or injury.  When life throws a curveball, the last think you want to think about is downsizing or cutting back.  However,...

10 Apr

The Dept of Health & Human Services delays the new billing system unpopular to doctors

New billing rules doctors criticize

The new system, ICD-10, "has about five times more codes than doctors use now. The American Medical Association had pressed hard for a delay." HHS said that "the new rules streamline the identification numbers that healthcare plans and providers use for billing" and that "will save insurers and providers as much as $4.6 billion over the next decade."  http://thehill.com/blogs/healthwatch/health-reform-implementation/220575-hhs-delays-new-billing-system-unpopular-with-doctors Although the possibility of...

1 Apr

Choosing Your Broker\\\'s

When searching for the right insurance broker there are a few important things to take into consideration.

Choosing the right insurance broker is very important and not always easy. There are many things to consider when choosing who you want to work with. Some things are technical like what kind of rates and benefits do they offer compared to other brokers. However one of the most important things to consider is their commitment to you. updated One of...

1 Apr

Medical Insurance Preventive Services

Preventive Services Covered Under the Affordable Care Act

If you have a new health insurance plan or insurance policy beginning on or after September 23, 2010, the following preventive services must be covered without your having to pay a copayment or co-insurance or meet your deductible.  As of August 1, 2012 see the Affordable Care Act rules on expanding access to Preventive Services for women.  This applies only when these services...

1 Apr

Druggists fear Medco deal

Drugstore and pharmacy groups file suit to halt $29 billion takeover by Express Scripts.

Record -   Bergen Edition 03/30/2012, Page A18   Druggists fear Medco deal ■ Drugstore and pharmacy groups file suit to halt $29   billion takeover by Express Scripts.     By TOM MURPHY     THE ASSOCIATED PRESS     An alliance of drugstores and community phar­macists has   filed a federal lawsuit to stop Express Scripts Inc.’s $29.1 billion takeover  ...

1 Apr

Oxfordhealth.com Mobile

Oxford members can have instant access to important medical benefit coverage information

Introducing Oxfordhealth.com mobile Highlights   Oxford is pleased to introduce a mobile version of oxfordhealth.com for all Oxford commercial group members. Oxfordhealth.com mobile was live on April 16, 2012. Now, from the convenience of their smartphone, Oxford members can have instant access to important benefit coverage information—from benefit plan and claim details to searching for a physician and requesting a health plan ID card. Whether in the doctor’s...

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