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Health Plan News

Timely Health Plan News and Commentary

Health Plan News
Home Archives for Health Insurance Coverage

Health Insurance Coverage News

Health insurance coverage determines what a patient pays, which doctors a patient can see, and whether a claim is paid or denied. This section of Health Plan News covers the plans themselves: individual and family coverage sold on the Affordable Care Act (ACA) marketplace, employer-sponsored health benefits, short-term plans, and the premium, deductible and out-of-pocket changes that arrive every plan year.

What We Cover

This section tracks rate filings and premium increases, open enrollment deadlines, changes to marketplace subsidies (the premium tax credits that lower monthly costs for qualifying households), and the rules that govern prior authorization and claim denials. We also report on employer benefit trends, including high-deductible health plans paired with a Health Savings Account (HSA), a tax-advantaged account for medical expenses.

Coverage news rarely stays in one lane. Federal and state rules shape every plan, so this section works alongside our Healthcare Policy and Law coverage. Carrier decisions drive what is available in each market, which is why we also follow the health insurance companies and the Blue Cross Blue Shield plans by name.

Guides to Health Insurance Plan Types

For readers comparing options, our reference guides explain how each type of plan works: choosing a health insurance plan, individual health insurance plans, family health insurance plans, high-deductible health plans, short-term health insurance, catastrophic coverage, health sharing plans and low-income health insurance. Readers aged 65 and older should start with our Medicare section, and lower-income families should review our Medicaid and CHIP coverage.

The latest health insurance coverage news appears below, newest first.

White House Misrepresents Contraceptive Mandate

Posted on February 5, 2012 Written by Editor

The Obama administration, to justify its widely criticized mandate for contraception and sterilization coverage in private health plans, has posted a set of false and misleading claims on the White House blog (“Health Reform, Preventive Services, and Religious Institutions,” February 1). In what follows, each White House claim is quoted with a response.

Claim: “Churches are exempt from the new rules: Churches and other houses of worship will be exempt from the requirement to offer insurance that covers contraception.”

Response: This is not entirely true. To be eligible, even churches and houses of worship must show the government that they hire and serve primarily people of their own faith and have the inculcation of religious values as their purpose. Some churches may have service to the broader community as a major focus, for example, by providing direct service to the poor regardless of faith. Such churches would be denied an exemption precisely because their service to the common good is so great. More importantly, the vast array of other religious organizations – schools, hospitals, universities, charitable institutions – will clearly not be exempt.

Claim: “No individual health care provider will be forced to prescribe contraception: The President and this Administration have previously and continue to express strong support for existing conscience protections. For example, no Catholic doctor is forced to write a prescription for contraception.” [Read more…]

Filed Under: Health Insurance Coverage

Affordable Health Insurance For The Self Employed

Posted on September 3, 2011 Written by Editor

Among the issues that is essential to think about whenever you leave company America for your freedom of one’s personal company is inexpensive wellness insurance coverage. Actually, the reason most often cited for NOT taking the plunge into self-employment will be the absence of cheap wellness insurance options for people who are not employed by an organization that will offer more affordable rates on wellness insurance via a group health insurance plan.

In the event you do determine to brave it and be your own boss, there are lots of places where you are able to reduce corners. Letting yourself or your loved ones go without health insurance isn’t certainly one of them. Right here are some common options that will make wellness insurance inexpensive if you are a self-employed entrepreneur or crafter. [Read more…]

Filed Under: Health Insurance Coverage

What is Travel Insurance and Why You Should Buy Travel Insurance

Posted on April 9, 2011 Written by Editor

Travel Insurance is insurance that’s intended to cover medical expenses and monetary (such as cash invested in nonrefundable pre-payments) along with other losses incurred whilst traveling, either within one’s own country, or internationally.

We advise passengers who are going on a trip to purchase a Travel Insurance policy that includes adequate coverage for lost or stolen baggage and it is contents.

We strongly suggest that the passenger(s) consider purchasing travel and trip cancellation insurance to protect their travel investment, in case the passenger(s) might discover it essential to delay or cancel component of or the entire trip. [Read more…]

Filed Under: Health Insurance Coverage

HIMSS and ASC X12 Collaborate on Education & Training

Posted on December 2, 2010 Written by Editor

SOURCE: ASC X12

CHICAGO, IL–(Marketwire – December 2, 2010) – Based on mutual interest in the use of effective and productive electronic data interchange standards in the health care industry, the Healthcare Information and Management Systems (HIMSS) and the Accredited Standards Committee X12 (ASC X12) signed a Memorandum of Understanding formalizing their decision to collaborate on activities and offerings that improve or enhance the implementation of EDI standards in the health care industry.

“ASC X12 and HIMSS have established a cooperative relationship, taking advantage of each organization’s strengths. We look forward to many productive joint initiatives,” said Cathy Sheppard, Chair, ASC X12.

The two organizations intend to collaborate in the development of educational materials, conference presentations, webinars, white papers, articles and reports.

Such cooperative efforts are not new between the organizations, HIMSS and ASC X12 have developed and presented a comprehensive overview of ASC X12 005010 migrations in the Webinar HIPAA 005010 Road to Success — A Prescription for a Healthy and Successful ASC X12 005010 Implementation. HIMSS also published the article ASC X12’s Emerging 5010 Activities, by Cathy Sheppard, in their August 2010 Business Edge online newsletter.

January 1, 2012 is the deadline for health care organizations to be compliant with the ASC X12 005010 transactions mandated by the Health Insurance Reform: Modifications to the Health Insurance Portability and Accountability Act (HIPAA) Electronic Transaction Standards Final Rule (also known as the 005010 Final Rule). ASC X12 and HIMSS are committed to aiding stakeholders in compliance preparation. 

ASC X12N (Insurance) Vice Chair, Bob Poiesz, will serve on an ASC X12 005010 migration panel at the HIMSS11 Annual Conference and Exhibition. The Ninth National Medical Banking Institute, to be held in conjunction with HIMSS11, features national experts and cross-industry leaders from health care, banking, financial systems, government and academia for an interactive dialogue of critical issues and next steps on building the future of medical banking. At the HIMSS Medical Banking Boot Camp ASC X12 will describe 005010 health data transactions mandated by HIPAA and identify the steps a provider will need to take as part of the ASC X12 005010 transition.

“HIMSS and our medical banking and financial systems community welcome the opportunity to work with the Accredited Standards Committee X12 to build awareness and better educate our diverse audiences, on the value of efficient data exchange in health care,” said John Casillas, HIMSS Senior Vice President, Business-Centered Systems. “With this MoU, our organizations can work together to build relationships and develop educational programming that improves the delivery of health care.”

About HIMSS
HIMSS is a cause-based, not-for-profit organization exclusively focused on providing global leadership for the optimal use of information technology (IT) and management systems for the betterment of healthcare. Founded 50 years ago, HIMSS and its related organizations have offices in Chicago, Washington, DC, Brussels, Singapore, Leipzig, and other locations across the United States. HIMSS represents more than 30,000 individual members, of which two thirds work in healthcare provider, governmental and not-for-profit organizations. HIMSS also includes over 470 corporate members and more than 85 not-for-profit organizations that share our mission of transforming healthcare through the effective use of information technology and management systems. HIMSS frames and leads healthcare practices and public policy through its content expertise, professional development, and research initiatives designed to promote information and management systems’ contributions to improving the quality, safety, access, and cost-effectiveness of patient care. To learn more about HIMSS and to find out how to join us and our members in advancing our cause, please visit our website at www.himss.org.

About X12
ASC X12, chartered by the American National Standards Institute more than 30 years ago, develops and maintains EDI and CICA standards along with XML schemas which drive business processes globally. The diverse membership of ASC X12 includes technologists and business process experts, encompassing health care, insurance, transportation, finance, government, supply chain and other industries. For more information, visit the ASC X12 website at www.x12.org

For HIMSS information contact:
Joyce Lofstrom
HIMSS
(312) 915-9237
Email Contact

For ASC X12 information contact:
ASC X12
(703) 970-4480
Email Contact

Filed Under: Health Insurance Coverage

Medical Travel Pros Health Options Worldwide (HOW) Presents Free Healthcare Webinar

Posted on November 30, 2010 Written by Editor

SOURCE: Health Options Worldwide

“Health Care Trends and Employers: New Strategies for a Changing Marketplace”

PRINCETON, NJ–(Marketwire – November 30, 2010) –  To assist companies in managing their healthcare insurance options and show third party administrators (TPA), insurers and physicians how to react appropriately, Health Options Worldwide (HOW), an online vacation surgery resource, is offering a free webinar. Titled “Health Care Trends and Employers: New Strategies for a Changing Marketplace,” the webinar takes place Thursday, December 2nd, at 10 am EST and 4 pm EST. HOW, an international and domestic medical travel and medical tourism agency, will cover the current state of the healthcare marketplace as well as value-based and competitively priced key service to businesses.

Participants can register for 10am EST: https://www3.gotomeeting.com/register/526273158

Participants can register for 4pm EST: https://www3.gotomeeting.com/register/505357078

If participants have any questions or problems registering for the webinar, please contact Chris Peterson at 1-877-234-1345 or via email at: [email protected]. For more information, visit the HOW website at: www.healthoptionsworldwide.com

“Due to rising healthcare costs, companies need new strategies to reduce healthcare spending, improve the quality of care, and educate employees to take a more active role in their healthcare. Employers are afraid of the high costs that come with a self-funded employer solution, but yet they still want to provide health insurance coverage for their employees,” said David Goldstein, president of HOW.

Words like high deductible health plan surgery and voluntary surgery networks will become very popular in the healthcare market. As employee benefits claims and costs continue to rise, employers, TPAs and doctors can benefit from this webinar, says Goldstein. Employers can learn new ways to control risk and encourage employees to become more proactive in managing their healthcare and healthcare spending.

Current healthcare reform stipulations have not reduced claims or costs. Inflation, increased use of services, aging population, changes in provider treatment patterns, medical technology and drug therapy improvements have also influenced the upward healthcare spending trend. “The cost of employer health plans will probably increase within the next six months,” said Goldstein, quoting a survey by Wells Fargo Insurance Services.

Value based healthcare plans and supplemental healthcare solutions are affordable coverage options for businesses that can benefit workers. An increasing number of employers are researching different types of health insurance plans for their employees, knowing they can help them in many different ways.

“HOW leverages the growing trend of consumer-driven health care by connecting patients with physicians that offer high quality, low cost healthcare in the United States as well as internationally,” said Goldstein. He continued by saying that medical tourism will definitely affect the next generation of PPO’s by giving employees more local and regional treatment options with substantial discounts and improved outcomes.

Contact:
David Goldstein
President
Health Options Worldwide
Ph: 1-877-234-1345
www.healthoptionsworldwide.com

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Filed Under: Health Insurance Coverage, Senior Care

GoHealthInsurance.com Reminder for Flexible Spending Account Users

Posted on November 23, 2010 Written by Editor

SOURCE: GoHealthInsurance

GoHealthInsurance.com Is Reminding Users of Flexible Spending Accounts (FSAs) to Use Their Account Funds on Medical Expenses Before They Expire at the End of the Year

CHICAGO, IL–(Marketwire – November 23, 2010) – GoHealthInsurance.com, the online marketplace for health insurance comparison shopping, is offering consumers a friendly reminder and help for how they can use their Flexible Spending Account (FSA) funds before they expire at the end of December.

“It’s getting towards the end of the year and any funds leftover in a Flexible Savings Account will be forfeited for 2011. Consumers should make sure they check their FSA balances and utilize any savings before it’s lost,” said Mark Colwell, Consumer Marketing Analyst at GoHealthInsurance.com.

Have a FSA but don’t know how to use the saved funds before they expire? Here are a few tips:

  • With the flu season right around the corner, one easy way to spend leftover money is to get flu shots and any vaccinations that are not up to date.

  • Schedule physicals, wellness and routine care visits with your family doctor to ensure that everyone in the family gets an annual check-up.

  • Purchase over-the-counter medication that you and your family typically use. Starting in 2011, FSA funds can longer be used on over-the-counter medications without a prescription. Medications that will require a prescription from a doctor include allergy and asthma, cold and flu, pain relief, anti-itch, antacids and acne medication.

  • Next year, consider the benefits of Health Savings Accounts (HSAs) with high-deductible health plans. The funds in HSAs roll over every year and earn interest.

Consumers can compare individual health insurance options, including plans compatible with Health Savings Accounts, at www.gohealthinsurance.com.

About GoHealthInsurance

GoHealthInsurance.com makes buying health insurance simple. GoHealthInsurance explains health coverage options in plain English, provides free health insurance quotes, connects shoppers with local agents, and helps consumers choose plans that meet their health and budget needs — making it the most robust health exchange.

Contact:
Michael Mahoney
GoHealthInsurance
888-250-3409
Email Contact

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Filed Under: Health Insurance Coverage, Prescription Drugs and Pharmacy

CoverageForAll.org Lanza en Español La Edición En-Línea de un Directorio de Programas Públicos y Privados para los 50 Estados

Posted on October 26, 2010 Written by Editor

SOURCE: Foundation for Health Coverage Education

Beca de La Fundación Aetna hace posible este Nuevo servicio

SAN JOSE, CA–(Marketwire – October 26, 2010) – Esfuerzos para educar a los norteamericanos
sin seguro médico que no están conscientes de los programas de salud
actuales financiados por el gobierno y de bajo costo han recibido un
impulso con La Fundación para la Educación sobre Cobertura de Salud
(conocido por sus siglas en ingles FHCE) con el lanzamiento de una edición
en español de su sitio pionero www.CoverageForAll.org.

Esta organización sin fines de lucro fue capaz de traducir
CoverageForAll.org y así ampliar su alcance a la comunidad hispana con el
apoyo monetario de $ 30,000 de la Fundación Aetna, la rama filantrópica
independiente de Aetna Inc. La versión en español
http://espanol.coverageforall.org proporcionará a los visitantes de habla
hispana el mismo contenido que se encuentra en el directorio de programas
de cobertura públicos y privados de FHCE de estado por estado, el cual ha
educado norteamericanos sin seguro medico sobre sus opciones de cobertura
desde el 2004.

“En un momento en que la legislación de reforma de salud requiere que la
gente tenga cobertura de seguro de salud, tenemos que avanzar con mayor
urgencia para romper las barreras, como el lenguaje, para informar sobre
los programas de bajo costo o programas financiados por el gobierno,” dijo
Anne C. Beal, M.D., M.P.H., presidente de la Fundación Aetna. “Nos alienta
que la nueva versión en español de CoverageForAll.org permitirá a un
importante segmento de la población de norteamericanos tener un acceso a
nuestro sistema de salud. El establecimiento de condiciones equitativas
para todos los grupos raciales y étnicos para obtener una buena atención
médica es un área de programas prioritarios de la Fundación Aetna.”

Con este nuevo realce, los visitantes de CoverageForAll.org simplemente
podrán hacer clic en http://espanol.coverageforall.org y aprender sus
opciones de seguro de salud en español a través de un cuestionario de
elegibilidad de FHCE de 5 preguntas o pueden llamar 24/7 a la multilingüe
Línea de Ayuda Nacional (1-800-234-1317) para personas sin seguro medico y
hablar con un especialista de seguros médico, de habla hispana que va
ayudar a revisar las preguntas con ellos. Esta revisión de elegibilidad es
un punto de partida para los consejeros del centro de llamadas con sede en
Fresno, California, quienes guían a cada persona que llama a través de sus
opciones y los dirigen a los programas apropiados por el Estado. Además de
tomar el cuestionario de elegibilidad, los visitantes también tienen la
oportunidad de aprender acerca de la cobertura de COBRA a través de la
versión en español de COBRA con el folleto de FHCE o puede descargar el
Matrix de Opciones de Atención, una guía amistosa del consumidor fácil de
usar para todos los programas de cobertura médica en su estado.

El propósito de FHCE de traducir el sitio fue para ampliar su misión de
reducir las filas de las personas sin seguro, específicamente alcanzar al
32% de norteamericanos hispanos que muestra el Censo de EE.UU. viven si
cobertura de salud. La donación de la Fundación Aetna abrió una
oportunidad aún mayor para ayudar a la lista de socios colaboradores
actuales de FHCE, la Asociación Americana del Cáncer, la Asociación
Americana del Corazón, la Asociación Americana de los Pulmones, la
Asociación Americana de Diabetes, y el Departamento de Desarrollo de
Empleados de California y el Departamento de Seguros en ayudar su población
de hispanos.

“FHCE ha ayudado a mas de dos millones de personas a encontrar cobertura
medica a través de CoverageForAll.org y nuestra Línea de Ayuda Nacional,”
dijo Ankeny Minoux, presidente de FHCE. “Con los fondos recibidos de la
Fundación Aetna para una versión en Español de CoverageForAll.org, podemos
seguir proporcionando a norteamericanos sin seguro médico una forma fácil y
eficiente de tener acceso a la información sobre sus opciones de cobertura
medica en su propia lengua.

Acera de la Fundación Aetna :

La Fundación Aetna es la rama caritativa y filantrópica independiente de
Aetna Inc. Desde 1980, Aetna y la Fundación Aetna han contribuido con más
de $379 millones, incluyendo más de $20 millones en el 2009. Siendo una
fundación nacional de salud, promovemos el bienestar, la salud y el acceso
a la atención medica de alta calidad para todos. Esta labor se ve
reforzada por el compromiso y tiempo de los empleados de Aetna, que han
ofrecido casi dos millones de horas desde 2003. Nuestras donaciones
actuales se centran en hacer frente a la creciente tasa de obesidad
infantil y de adultos en los estadounidenses, en promover la igualdad
racial y étnica en el cuidado de salud y avanzar en el tratamiento
integrado de salud. Para mas información visite nuestra página
www.AetnaFoundation.org.

Acerca de La Fundación para la Educación sobre Cobertura de Salud:

La Fundación para la Educación sobre Cobertura de Salud es una organización
sin fines de lucro 501 (c) 3 organización con la misión de ayudar a
simplificar la información de acceso de elegibilidad de seguros públicos y
privados para que mas personas sin seguro tengan acceso a cobertura. Además
de su Línea Nacional de Ayuda para personas sin seguro (800) 234-1317 y su
pagina www.CoverageForAll.org, FHCE ofrece guías gratuitas a los
consumidores, tales como el Matrix de Opciones de Atención el cual está
disponible para todos los 50 estados

Contactos de Prensa:

Fundación para la Educación sobre Cobertura de Salud
Marilyn Haese/Bobbi Rubinstein
(310) 556-9612
[email protected]

Fundación Aetna
Susan Millerick
860-273-0536
[email protected]

Filed Under: Health Insurance Companies, Health Insurance Coverage

Companies, Workers Can’t Control Soaring Healthcare Costs Without Prevention, Says Virgin HealthMiles CEO at 2010 Integrated Care Summit

Posted on October 19, 2010 Written by Editor

SOURCE: Virgin HealthMiles

BOSTON, MA and WASHINGTON, DC–(Marketwire – October 19, 2010) –  Large companies forced to scale back healthcare coverage. Employees left stranded, picking up the difference. The stakes for American business are at an all-time high. Unmanaged, preventable healthcare costs are one of the largest drains on corporate income statements. But, employers have the power to turn the tables. They play a vital role in encouraging healthy behaviors amongst their workforce and must create a workplace culture of prevention to avoid a profitability crisis of epic proportions. 

That’s the message delivered to major employers by Chris Boyce, CEO of Virgin HealthMiles at the 2010 Integrated Care Summit in Washington, DC on October 15. Virgin HealthMiles is a leading provider of employee health and productivity programs that pay people to get active. More about Boyce’s and other experts’ perspectives on creating a workplace culture of prevention and insights on employee health trends can be found on Virgin HealthMiles’ new blog, www.theuprisingblog.com.

More than 75 percent of today’s healthcare costs stem from preventable, chronic diseases that are largely driven by our own personal health behaviors. And while companies pay for employee healthcare coverage at amounts rising more than 10 percent each year, said Boyce, they’re also absorbing 70-80 percent of these cost increases. At the same time, employees are incurring higher out-of-pocket costs and larger shares of their premiums. The Kaiser Family Foundation found the average family coverage premium increased 131 percent from 1999-2009, while worker contributions increased 128 percent.

Employers can no longer shoulder this burden alone. With the US median wage at about $43,000 per year, employees can’t bear much more, either. The good news? Companies can take action and impact the prevalence of lifestyle-related diseases and their resulting medical and productivity costs by getting employees to make healthy behavior changes.

Boyce said many employers are proactively managing these costs by creating a workplace culture of prevention and getting employees to become more physically active. Yet, more employers could, and should do more. According to a recent PricewaterhouseCoopers survey, 94 percent of employers believe they could do a better job in supporting their employees’ health improvement efforts. What’s more, an April 2010 study by Virgin HealthMiles showed nearly 85 percent of the 1,926 employee respondents believe an employer has a responsibility to take a leadership role in encouraging and promoting wellness in the workplace.  

“Chronic diseases drain our nation’s health, our businesses, and our economy. It’s imperative we focus on prevention and keeping people healthy so we can avoid the rising demand for costly healthcare services,” said Boyce. “Focusing on prevention promotes personal responsibility and links lifestyle choices to good health. It also allows companies to ensure their interests are aligned with those of their employees so they can productively work together to drive down lifestyle-related healthcare costs.”

Savvy companies across the country are using innovative, technology-based employee wellness incentive programs to build this culture of prevention, reported Boyce. These programs go beyond traditional wellness programs by motivating entire employee populations to participate through meaningful and affordable incentives. The programs are measurable, and help both companies and workers quantifiably track progress and program impact. And they’re manageable, so organizations can integrate various, splintered wellness efforts and incentives structures while aligning incentives for actual performance. When employed, such strategies fuel long-term healthy behavior change and healthcare cost reductions for employees and companies alike.

About Virgin HealthMiles
Virgin HealthMiles provides employee health programs that pay people to get active. The company’s Pay-for-Prevention™ approach, based on physical activity and healthy lifestyle change, attracts an average of 40 percent of employees who participate, which helps organizations reduce medical costs and improve employee productivity and satisfaction. The program is offered by employers, government entities, and insurers. Over 120 industry leaders representing more than 500,000 employees across the U.S., including American Diabetes Association, Intuit, MWV, OhioHealth, Ochsner Health System, Protective Life, SunGard, SunTrust, and Timberland have selected Virgin HealthMiles’ award-winning program for their employees. The company is a member of Sir Richard Branson’s Virgin Group. For more information, visit www.virginhealthmiles.com

Media Contact:
Daisy Wall
Email Contact
404-695-0195

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Filed Under: Health Insurance Coverage, Healthcare Business

FHCE’s Uninsured Help Line Reaches 100,000 Calls Milestone

Posted on October 18, 2010 Written by Editor

SOURCE: Foundation for Health Coverage Education

Only “Live” Call Center in Country Assists Increasingly Confused Americans Following Health Care Reform

SAN JOSE, CA–(Marketwire – October 18, 2010) –  The Foundation for Health Coverage Education (FHCE)’s U.S. Uninsured Help Line 800-234-1317 received its 100,000th call last week, having experienced an uptick in queries from Americans about their options since the passage of health care reform six months ago. 

The professionally-trained call-center counselors have been inundated with callers seeking information about both low-cost government-sponsored and private health coverage options. Twenty-four hours a day, seven days a week in 190 languages, the Help Line counselors walk callers through their public and private options by distributing the FHCE’s 5-question Health Coverage Eligibility Quiz. The 100,000th call is a milestone and indicator that FHCE and its resources are as important as ever.

“We actually expected a decrease in queries after the passage of the landmark health care legislation in the spring, but instead we’re finding the exact opposite,” said Ankeny Minoux, President of the FHCE. “The combination of individuals coming to the end of their COBRA coverage and those who are confused by the implementation steps of health care reform make up the bulk of those calling us for help.” 

The 24/7 U.S. Uninsured Help Line found a niche when it was created as a solution to the problematic statistic that one-third of uninsured Americans were eligible for government-sponsored health coverage, but not enrolled. The WellPoint Foundation has been the primary funder of the Help Line since its inception and continues to offer its exclusive support to advocate the importance of one-on-one live assistance when dealing with health coverage needs. The Call Center receives an average of 3,000 callers per month and acts as a consumer support system for the non-profit’s website, www.CoverageForAll.org. The website has likewise experienced a 20% increase in traffic in recent months, averaging 85,000 visitors per month. 

“In 2004, the WellPoint Foundation partnered with FHCE to establish the first-ever national Uninsured Hotline and we could not be more pleased that one hundred thousand individuals have utilized this important tool to understand their coverage options,” said Lance Chrisman, executive director of the WellPoint Foundation. “Our Foundation has provided more than $1.7 million in funding to keep the call center open 24/7 and we want to recognize FHCE for its continued commitment to the uninsured and on achieving this milestone.”

Five years ago, the pioneering non-profit put the entire U.S. health insurance system on CoverageForAll.org, including applications for 176 government-sponsored plans in all 50 states and the District of Columbia. As the first website of its kind to offer information on every public and private health coverage program in the country, CoverageForAll.org has already had more than 2 million visitors. Both the Call Center and website offer consumers the chance to ask questions about the complex health coverage system and many changes that will be occurring over the next few years. 

“When the government launched its own health care website in July, we figured it would pick up the slack of these queries,” said Minoux. “However, the government’s online function does not have a live counselor option. Along with the Call Center, CoverageForAll.org is configured differently and helps people actually figure out for which programs they qualify.”

The U.S. Uninsured Help Line 800-234-1317 will not slow down now that it has reached 100,000 callers. The landmark simply motivates the call center staff and non-profit to continue providing answers and guidance for the most complex health coverage questions.

About the Foundation for Health Coverage Education:

The Foundation for Health Coverage Education (FHCE) is a non-profit 501 (c) 3 organization with a mission to help simplify public and private health insurance eligibility information in order for more people to access coverage. In addition to its U.S. Uninsured Help Line (800) 234-1317 and website www.CoverageForAll.org, FHCE offers free consumer guides, such as the Health Care Options Matrix™, available for all 50 states.

About the WellPoint Foundation

The WellPoint Foundation is the philanthropic arm of WellPoint, Inc. and through charitable contributions and programs, the Foundation promotes the inherent commitment of WellPoint, Inc. to enhance the health and well-being of individuals and families in communities that WellPoint, Inc. and its affiliated health plans serve. The Foundation focuses its funding on strategic initiatives that address and provide innovative solutions to health care challenges, as well as promoting the Healthy Generations Program, a multi-generational initiative that targets specific disease states and medical conditions. These disease states and medical conditions include: prenatal care in the first trimester, low birth weight babies, cardiac morbidity rates, long term activities that decrease obesity and increase physical activity, diabetes prevalence in adult populations, adult pneumococcal and influenza vaccinations and smoking cessation. The Foundation also coordinates the company’s annual associate giving campaign and provides a 50 percent match of associates’ campaign pledges. To learn more about the WellPoint Foundation, please visit www.wellpointfoundation.org.

Editorial Contacts:

Foundation for Health Coverage Education
Marilyn Haese/Bobbi Rubinstein
(310) 556-9612
[email protected]

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Filed Under: Health Insurance Coverage

877-FOR-INSURANCE — More Than a Number

Posted on September 28, 2010 Written by Editor

SOURCE: 877-FOR-INSURANCE

New Agency Truly Partners With Clients to Find the Right Plan

JUPITER, FL–(Marketwire – September 28, 2010) –  Shopping for insurance is all about finding the right coverage at the right price, but studies show a majority of people don’t know what to look for. 877-FOR INSURANCE takes the guesswork out of selecting the right insurance company, offering policies to fit the needs of any consumer.

Whether it’s home, life, auto or health, 877-FOR-INSURANCE’s experienced agents are trained to help consumers every step of the way. Selecting the right coverage plan is only the beginning. 877-FOR-INSURANCE’s agents research potential discounts, working with more than 30 companies to provide consumers with the best rate possible.

“Insurance is necessary to protect not just your belongings, but your loved ones as well,” says Jason Brian, President and CEO of 877-FOR-INSURANCE. “It’s important that you know the basics, so you can make an informed decision with full context. 877-FOR-INSURANCE’s agents know the ins and outs of every type of policy, so they’re able to pass that information along to the consumer.”

877-FOR-INSURANCE understands that in today’s world, consumers have a variety of insurance options available to them. Convenience is key, but so is finding the right coverage. 877-FOR-INSURANCE’s agents look at income, assets, responsibilities and plans for the future — to give consumers confidence that they’re not just covered, but really protected.

“So many people are overpaying for their policy, and they’re not even getting the coverage that they need,” adds Brian. “By truly partnering with our clients, and learning more about them, we’re able to provide them with coverage at the most reasonable rate.”

About 877-FOR-INSURANCE
877-FOR-INSURANCE is a full service insurance provider, offering health, life, auto and home insurance policies. They aim to surpass customer expectations, providing plans that are well-priced and of the highest quality. For more information call 877-FOR-INSURANCE or go to www.877forinsurance.com.

About BDD Marketing and Management
BDD Marketing and Management is a full service company. Founded on a deep value system and backed by a highly motivated staff, BDD is a breakout company with a fully customizable menu of business options to fit every need. To get to know BDD Marketing and Management better please go to www.BDDCorporation.com.

For more information on 877-FOR-INSURANCE, contact Kelly Downey of Shamin Abas Public Relations at [email protected] or 561.366.1226.

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Filed Under: Health Insurance Coverage

CoverageForAll.org Launches Spanish-Language Edition With 50-State Online Directory of Public & Private Health Coverage Programs

Posted on September 27, 2010 Written by Editor

SOURCE: Foundation for Health Coverage Education

Aetna Foundation Grant Makes New Service Possible

SAN JOSE, CA–(Marketwire – September 27, 2010) –  Efforts to educate uninsured Americans who are unaware of current government-funded and low-cost health insurance programs have been given a boost with the Foundation for Health Coverage Education’s (FHCE) launch today of a Spanish language edition of its pioneering website, www.CoverageForAll.org. 

The nonprofit was able to translate CoverageForAll.org and expand its outreach to the Hispanic community with the support of a $30,000 grant from the Aetna Foundation, the independent philanthropic arm of Aetna Inc. The Spanish version, http://espanol.coverageforall.org will provide Spanish-speaking visitors with the same content found in FHCE’s main public and private health coverage state-by-state directory of programs, which has been educating uninsured Americans about their coverage options since 2004.

“At a time when health care reform legislation is requiring people to have health insurance coverage, we need to move with even greater urgency to break down barriers, such as language, to information about government-funded or low-cost programs,” said Anne C. Beal, M.D., M.P.H., president of the Aetna Foundation. “We are heartened that the new Spanish-language version of CoverageForAll.org will enable a significant segment of the American population to have affordable access to our health care system. Establishing a level playing field for all racial and ethnic groups to obtain good health care is a priority program area for the Aetna Foundation.” 

With this new enhancement, CoverageForAll.org visitors can simply click on http://espanol.coverageforall.org and learn their health insurance options in Spanish through FHCE’s 5-question Eligibility Quiz or they can call the 24/7 multilingual U.S. Uninsured Help Line (1-800-234-1317) to talk with a Spanish-speaking health insurance specialist who will review the questions with them. This eligibility review is a starting point for the Fresno, California-based call center’s counselors who guide each caller through their options and direct them to the appropriate state-sponsored programs. Along with taking the Eligibility Quiz, visitors now also have the ability to learn about COBRA coverage via the Spanish-version of FHCE’s COBRA Booklet or may download FHCE’s Health Care Options Matrix, the consumer-friendly guide to all of the health coverage programs in their state.

The goal of FHCE for translating the site was to broaden its mission of lowering the ranks of the uninsured, specifically by targeting what the U.S. Census Bureau indicates is the 32% of Hispanic Americans who live without health coverage. The Aetna Foundation’s grant opened up an even larger opportunity to assist the FHCE’s current collaborative partners, the American Cancer Society, the American Heart Association, the American Lung Association, the American Diabetes Association, and California’s Employee Development Department and Department of Insurance in aiding their Hispanic populations.

“The FHCE has helped more than two million people find heath coverage through CoverageForAll.org and our U.S. Uninsured Help Line,” said Ankeny Minoux, President of the FHCE. “With funding from the Aetna Foundation for a Spanish version of CoverageForAll.org, we can continue to provide uninsured Americans an easy and efficient way to access information about their health coverage options in their native language.”

About the Aetna Foundation
The Aetna Foundation is the independent charitable and philanthropic arm of Aetna Inc. Since 1980, Aetna and the Aetna Foundation have contributed over $379 million in grants and sponsorships, including more than $20 million in 2009. As a national health foundation, we promote wellness, health, and access to high-quality health care for everyone. This work is enhanced by the time and commitment of Aetna employees, who have volunteered nearly two million hours since 2003. Our current giving is focused on addressing the rising rate of adult and childhood obesity in the U.S.; promoting racial and ethnic equity in health and health care; and advancing integrated health care. For more information, visit www.AetnaFoundation.org.

About the Foundation for Health Coverage Education:

The Foundation for Health Coverage Education (FHCE) is a non-profit 501 (c) 3 organization with a mission to help simplify public and private health insurance eligibility information in order for more people to access coverage. In addition to its U.S. Uninsured Help Line (800) 234-1317 and website www.CoverageForAll.org, FHCE offers free consumer guides, such as the Health Care Options Matrix™ that is available for all 50 states.

Editorial Contacts:
Foundation for Health Coverage Education
Marilyn Haese/Bobbi Rubinstein
(310) 556-9612
[email protected]

Aetna Foundation
Susan Millerick
860-273-0536
[email protected]

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Filed Under: Health Insurance Companies, Health Insurance Coverage

Lance Armstrong Applauds Efforts to Ensure Affordable Health Care for Children

Posted on September 23, 2010 Written by Editor

SOURCE: LIVESTRONG

Armstrong Joined by American Cancer Society CEO John Seffrin at Special Visit to Children’s National Medical Center

WASHINGTON, DC–(Marketwire – September 23, 2010) –  Today, Lance Armstrong, LIVESTRONG(R) founder and chairman, cancer survivor and champion cyclist, made a surprise visit to the pediatric oncology unit at Children’s National Medical Center. He was joined by John R. Seffrin, PhD, chief executive officer of the American Cancer Society, to meet with hospital administrators, doctors and young patients and their families.

Today marks the six month anniversary of the Affordable Care Act. Starting today, several critical provisions of the law begin to take effect. Under the new law, healthcare plan providers cannot discriminate against children with pre-existing conditions. More than nine million children in the United States are currently living without health insurance. Up to 72,000 uninsured children with pre-existing conditions could gain coverage as a result of the new reform.

“Parents already feel the weight of the world on their shoulders when a child is diagnosed with cancer,” said Armstrong. “Insurance and health costs shouldn’t serve as a barrier to receiving quality, timely treatment. I’m hopeful that this reform will save lives and improve the quality of life for the more than 270,000 childhood cancer survivors currently living in the United States.”

“The Affordable Care Act is providing critical protections that are expanding access to lifesaving health care to children and adults with cancer or at risk of cancer,” said Seffrin. “Important provisions taking effect today prohibit health plans from denying coverage to children up to age 19 with pre-existing conditions such as cancer, and enable dependent children to remain on their parent’s insurance policy up to age 26.”

“With advances and breakthroughs in therapy, approximately 75% of children with cancer are cured of their disease. Nevertheless, cancer remains the leading cause of non-accidental death in children in the United States and many survivors suffer from chronic conditions that result from their treatment. Children’s National Medical Center is proud to be a leader in the search for novel treatments that will increase cure rates while decreasing adverse effects,” said Jeffrey S. Dome, MD, PhD; Chief, Division of Oncology; Center for Cancer and Blood Disorders; Children’s National Medical Center.

Armstrong’s visit also falls during National Childhood Cancer Awareness Month, a time to increase awareness and encourage support for the children and families affected by the disease. Cancer is currently the leading cause of death by disease among U.S. children between infancy and age 15, and it is estimated that 10,730 new cases of pediatric cancer were diagnosed in children 0-14 years of age in 2009. Two-thirds of childhood cancer survivors face at least one chronic health condition later in life and one quarter of survivors face a late effect from treatment that is severe or life threatening.

LIVESTRONG, the organization Armstrong established to support fellow cancer survivors and their families, offers a multitude of resources to help pediatric cancer survivors and their families manage the long-term effects of childhood cancers. The organization recently helped establish the LIVESTRONG Childhood Cancer Survivorship Center at Dell Children’s Medical Center in Austin, Texas. The Center aims to improve the health and well-being of childhood cancer survivors by promoting adherence to a schedule of follow-up appointments; providing referrals to specialists; offering psychosocial support groups; transitioning patients to adult care when they are ready; and educating patients, parents and healthcare professionals about the long-term effects of cancer treatment.

LIVESTRONG SurvivorCare also offers specialized resources that focus on the needs of cancer survivors, including children. The free resource, available in English and Spanish, provides survivors and their families with emotional support; individual counseling; financial and legal advice, including finding assistance for the uninsured or underinsured; and matching to clinical trials.

About LIVESTRONG
Founded in 1997 by cancer survivor and champion cyclist Lance Armstrong and based in Austin, Texas, LIVESTRONG fights for the 28 million people around the world living with cancer today. LIVESTRONG connects individuals to the support they need, leverages funding and resources to spur innovation and engages communities and leaders to drive social change. Known for the iconic yellow wristband, LIVESTRONG‘s mission is to inspire and empower anyone affected by cancer. For more information, visit www.LIVESTRONG.org.

About Children’s National Medical Center
Children’s National Medical Center in Washington, DC, has been serving the nation’s children since 1870. Home to Children’s Research Institute and the Sheikh Zayed Institute for Pediatric Surgical Innovation, Children’s National is consistently ranked among the top pediatric hospitals by U.S. News & World Report and the Leapfrog Group. With 283 beds, more than 1,330 nurses, 550 physicians, and seven regional outpatient centers, Children’s National is the only exclusive provider of pediatric care in the Washington metropolitan area. Children’s National has been recognized by the American Nurses Credentialing Center as a Magnet® designated hospital, the highest level of recognition for nursing excellence that a medical center can achieve. For more information, visit www.ChildrensNational.org.

Contact:
Rae Bazzarre
(512) 279-8367
[email protected]

Filed Under: Health Insurance Coverage, Public Health and Research

Accountability-Based Wellness Saves Money, Improves Health

Posted on September 21, 2010 Written by Editor

SOURCE: Health Behavior Innovations

Health Behavior Innovations Approach Engages Employees and Achieves Measurable Results

SALT LAKE CITY, UT–(Marketwire – September 21, 2010) –  What if health insurance was like auto insurance and “safe drivers” were eligible for discounts on their health care coverage? Now, because of new federal guidelines, “safe drivers,” or those who engage in taking better care of their health, can be rewarded with lower health insurance premiums.

A growing number of organizations are offering accountability-based wellness programs to their employees, rewarding those who participate by engaging in the improvement of their health, while employees who don’t participate continue to pay higher health premiums. Employers are finding that not only is the average employee showing improvements in measurable health indicators, but the wellness program adds no extra cost to the employer or the participating employee.

Health Behavior Innovations (HBI) is the founder of accountability-based wellness programs. According to CEO Darrell Moon, HBI’s innovative wellness program, the Apple Program®, has involved tens of thousands of participants, with more than 75 percent of eligible employees participating (including their spouses) with a customer satisfaction rating of more than 85 percent. With the new federal guidelines, companies can now design benefits programs that assist, support and engage participants differently according to their willingness to take accountability for their health. That’s where the Apple Program excels.

“Accountability makes the program work,” Moon said. “If you participate, you save money and generally become healthier. If you choose not to participate, you pay more. The whole thing works because those employees who opt in are not only saving money but they are losing weight, reducing blood pressure and generally enjoying healthier lives. And employers have a healthier workforce with no added cost to the company.”

Over the past five years, HBI’s total average biometric health scores per at-risk person have improved every year. For example:

  • Blood pressure — Systolic pressure (while heart is contracting) dropped 5.9 mmHg each year, and diastolic pressure (heart resting) fell 3.7 mmHg each year.
  • Glucose — declined 8.9 mg/dL each year.
  • Triglycerides — fell 19 mg/dL each year.
  • Total cholesterol — dropped 11 mg/dL each year.
  • Bad cholesterol — declined 8.8 mg/dL each year.

In terms of body weight, according to AmericasHealthRankings.org the average American gains weight each year. In contrast, the average obese Apple Program participant loses weight each year. This represents a more than 300 percent difference in weight change between the average American and the average obese Apple participant.

The Apple Program doesn’t rely on financial incentives alone to help employees make lifestyle changes. The key to success is the personalized assistance each person receives from a dedicated health coach and having their progress tracked via an advanced Web portal.

“Bottom line: when employees choose to be engaged they see results and so do employers,” Moon said. “HBI is identifying the health care safe drivers and helping those who aren’t to become health care safe drivers, without raising costs.”

For more information about Health Behavior Innovations and the Apple Program, visit www.healthbehaviorinnovations.com and www.theappleprogram.com.

Press Contacts:
Judi Harrison
Health Behavior Innovations
(801) 266-0990
Email Contact

Kevan Barney
The Summit Group
(801) 990-1191
Email Contact

Filed Under: Health Insurance Coverage

Harvard Pilgrim Health Care Selects Oracle for Health Insurance Claims Adjudication Solution

Posted on September 20, 2010 Written by Editor

SOURCE: Oracle Corporation

#1 Commercial Health Plan in America Seeks to Rapidly Implement State of the Art Technology to Respond to Dynamic Business Environment

SAN FRANCISCO, CA–(Marketwire – September 20, 2010) –  ORACLE OPENWORLD — Oracle (NASDAQ: ORCL)

News Facts

  • Harvard Pilgrim Health Care, Inc., the number one commercial health plan in America for five straight years, according to U.S.News & World Report and the National Committee for Quality Assurance (NCQA), has chosen Oracle Health Insurance to build its core claims adjudication solution.
  • The Oracle Health Insurance Claims solution will be the first application resulting from the combination of Oracle’s European health insurance market experience and intellectual property with the Oracle Insurance rules-based adaptive application strategy. The combination provides the foundation for the next generation of core Oracle Health Insurance applications, delivering the configurability required to address critical time-to-market issues for implementing new health benefits and those resulting from United States regulatory changes.
  • The service-oriented-architecture (SOA)-based solution offers numerous integration points and a phased approach to system replacement, enabling Harvard Pilgrim to simplify and extend its existing multi-claims platform environment, reducing system integration and custom coding requirements, and ultimately its total cost of IT systems ownership.
  • The solution supports the International Statistical Classification of Diseases and Related Health Problems 10th Revision (ICD-10), which is mandated for adoption in the United States by 2013.
  • Claims adjudication for all types of claims and alternative reimbursement models will be highly automated in the solution, minimizing the need for human intervention. This will enhance comprehensive straight-through processing capabilities, driving down claims processing costs.
  • Critical back-office processes will be streamlined based on the solution’s integration with Harvard Pilgrim’s Oracle E-Business Suite (Oracle Financials).
  • The solution will replace a legacy system that is not equipped to support the ICD-10 mandate and is costly to adapt to other new regulatory requirements and market challenges.
  • The solution is being built by Oracle Health Insurance, a newly formed group within Oracle Insurance, the business unit created within Oracle to focus on the unique challenges of its global insurance customers.
  • Dell Services, Harvard Pilgrim’s technology and business process outsourcing partner, will work with Oracle to implement the Oracle solution.

Supporting Quotes

  • “U.S. health insurance payers are facing the most fundamental shift in their history. We must have systems to support rapidly changing product portfolios and the pending requirements of Federal healthcare reform,” said Deborah Norton, Chief Information Officer, Harvard Pilgrim Health Care, Inc. “Oracle’s European solution for claims adjudication, currently the dominant application in The Netherlands, addresses that hybrid public/private market with a uniquely flexible solution. Oracle’s proposal to combine this with a native service-oriented-architecture approach provides Harvard Pilgrim with a timely and compelling solution.”
  • “Oracle Insurance welcomes the opportunity to collaborate with Harvard Pilgrim in a collaboration that represents our entry into the U.S. core health insurance applications market — an area in which Oracle Insurance sees extensive room for growth as insurers seek solutions to help them navigate major industry changes,” said Michiel Walsteijn, Senior Director, Oracle Health Insurance. “With Harvard Pilgrim, we will bring to life our vision of the adaptive health insurer, one that can be nimble and profitable while managing regulatory change.”

Supporting Resources

  • Oracle Insurance
  • Oracle Insurance on Twitter
  • Join the Oracle Insurance Community on Facebook
  • Join the Oracle Insurance Group on LinkedIn

About Oracle
Oracle (NASDAQ: ORCL) provides the most complete, open, and integrated business software and hardware systems in the world. For more information about Oracle, visit oracle.com

About Harvard Pilgrim
Harvard Pilgrim is a not-for-profit health plan that provides a variety of health benefit options and funding arrangements to more than one million members in Massachusetts, New Hampshire and Maine. Harvard Pilgrim, for the fifth consecutive year, was named the #1 commercial health plan in America according to a joint ranking by U.S.News & World Report and the National Committee for Quality Assurance (NCQA)*. For more information, please visit www.harvardpilgrim.org.

Trademark
Oracle and Java are registered trademarks of Oracle and/or its affiliates. Other names may be trademarks of their respective owners.

Contact Info
Katie Barron
Oracle
+1.703.364.2488
Email Contact

Mary Tobin
O’Keeffe and Company
+1.503.658.7396
Email Contact

Filed Under: Health Insurance Coverage

Fighting for the Families Who Fight for Us: First Ever National Campaign Benefiting Military Families Impacted by Autism Launches

Posted on September 8, 2010 Written by Editor

SOURCE: ACT Today! (Autism Care and Treatment Today!)

Campaign Kicks Off With PSA Featuring “Criminal Minds” Veteran Actor, Joe Mantegna

TARZANA, CA–(Marketwire – September 8, 2010) –  A crisis faces our military families, today. 1 in 88 military children have autism and less than 10 percent are receiving recommended care and treatments. This is why ACT Today! (Autism Care and Treatment Today!), a non-profit organization dedicated to providing grant money for families that cannot afford or access the treatments needed for their autistic children, is launching the first ever national campaign titled, “ACT Today! for Military Families.” Executive Director of ACT Today!, Nancy Alspaugh-Jackson, states, “The military healthcare system limits coverage of vital treatments, and provides less than half of the therapy recommended by the American Academy of Pediatrics and National Research Council. ACT Today! for Military Families will bridge the gap for military families until policy can be addressed. It is our goal to raise one million dollars to help fund treatment for these special children.”

The campaign kicks off with the airing of a PSA on the Fox Television Networks featuring the star of “Criminal Minds,” veteran actor Joe Mantegna. Mantegna, who has a daughter with autism, states, “Having a child with autism, I know how difficult it can be for people less fortunate than I to obtain proper treatment for their special needs children. I especially appreciate the unique challenges our military faces in battling on two fronts — one for their country, and another for their families.” http://www.youtube.com/watch?v=GTQEkGYJQjw.

Numerous events are planned throughout the country to promote the campaign. There will be a family festival and a 5K/10K run in San Diego, CA on April 2, 2011.

The Facts:

  • The military healthcare system funding is limited to approximately 11 hours of treatment a week. A minimum of 25 hours a week is recommended.
  • 25 Hours/week treatment program costs roughly $6,500/month. A Sergeant’s salary averages about $2,700/ month.

Alspaugh-Jackson says, “The math doesn’t work. The system doesn’t work. No family should be stuck in this position, let alone the families of service members who fight and die for us.”

Marine Corps wife Karen Driscoll, mother of a child with autism and Campaign Director of ACT Today! for Military Families, recently met with First Lady Michelle Obama to discuss this dire situation. “Every day we delay care, we relegate more military children with autism to a life with fewer options or opportunities. I believe we have a duty as mothers, fathers, leaders, lawmakers, and citizens to care for our military families and provide access to the care and support they require. It is simply the right thing to do.”

To learn more about ACT Today for Military Families, visit www.acttodayformilitaryfamilies.org

Contact:
Helaine Ross Public Relations
310-246-1872
Email Contact

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Filed Under: Health Insurance Coverage

Vanguard Reports Fourth Quarter and Year-End Results

Posted on August 25, 2010 Written by Editor

SOURCE: Vanguard Health Systems

NASHVILLE, TN–(Marketwire – August 25, 2010) – Vanguard Health Systems, Inc. (Vanguard)
today announced results for the fourth quarter and fiscal year ended June
30, 2010.

Total revenues for the quarter ended June 30, 2010 were $858.4 million, an
increase of $31.9 million or 3.9% from the prior year quarter. Patient
service revenues increased $17.4 million from the prior year quarter.
Health plan premium revenues increased $14.5 million from the prior year
quarter. The increase in patient service revenues was attributable to a
3.3% increase in adjusted discharges offset by a 0.2% decrease in patient
revenue per adjusted discharge during the current year quarter compared to
the prior year quarter. Absent the implementation of an insured discount
policy in our Phoenix and San Antonio hospitals effective July 1, 2009,
similar to the program implemented in our two Illinois hospitals on April
1, 2009, and a change to the Medicaid pending policy at all of our
hospitals, patient revenue per adjusted discharge would have increased 3.2%
during the current year quarter compared to the prior year quarter. The
increase in health plan premium revenues was primarily attributable to a
17.1% increase in average membership in Phoenix Health Plan (PHP) during
the current year quarter compared to the prior year quarter. Economic
conditions in Arizona continue to increase the number of individuals
eligible for coverage under the Arizona Health Care Cost Containment System
(AHCCCS) and thus expand PHP’s membership.

Vanguard reported income from continuing operations of $3.4 million for the
current year quarter compared to $2.1 million during the prior year
quarter. During the current year quarter, Vanguard’s net income
attributable to Vanguard Health Systems, Inc. stockholders was $2.8 million
compared to $1.8 million during the prior year quarter. Many quarter over
quarter comparisons of individual cost and expense items, particularly for
health plan claims expense and the provision for doubtful accounts, as a
percentage of total revenues during the current year quarter were impacted
by the significant growth in health plan premium revenues and the uninsured
discount and Medicaid pending policy changes. A table describing the impact
of adjustments to certain expenses and revenues and related ratios for our
acute care services segment and to certain statistical measures is included
in this release in the attached Supplemental Operating Measures Adjusted
for Comparative Analysis.

Adjusted EBITDA for the current year quarter was $82.9 million, an 11.3%
increase compared to the prior year quarter. A reconciliation of Adjusted
EBITDA to net income (loss) attributable to Vanguard Health Systems, Inc.
stockholders as determined in accordance with generally accepted accounting
principles for the quarters ended June 30, 2009 and 2010 is included in the
attached supplemental financial information.

The consolidated operating results for the current year quarter reflect a
1.8% increase in discharges and a 3.3% increase in adjusted discharges
compared to the prior year quarter. Emergency room visits increased 1.0%,
while inpatient surgeries and outpatient surgeries decreased 3.0% and 2.2%,
respectively, during the current year quarter compared to the prior year
quarter. General economic weakness in the United States economy continues
to impact demand for elective surgical procedures.

Total revenues for the year ended June 30, 2010 were $3,376.9 million, an
increase of $191.5 million or 6.0% from the prior year. Patient service
revenues and health plan premium revenues increased $29.8 million and
$161.7 million, respectively, from the prior year. Total revenues during
the current year were positively impacted by a 2.4% increase in adjusted
discharges but were negatively impacted by a 1.1% decrease in patient
revenue per adjusted discharge compared to the prior year. Absent the
previously discussed uninsured discount and Medicaid pending policy
changes, patient revenue per adjusted discharge would have increased 2.8%
during the current year compared to the prior year. Health plan premium
revenues increased 23.8% during the current year primarily due to the
significant enrollment increase associated with PHP’s new contract with
AHCCCS that went into effect on October 1, 2008.

Vanguard reported a loss from continuing operations of $44.6 million during
the current year compared to income from continuing operations of $32.1
million during the prior year. Net loss attributable to Vanguard Health
Systems, Inc. stockholders for the current year was $49.2 million compared
to net income attributable to Vanguard Health Systems, Inc. stockholders of
$28.6 million during the prior year. Each of these current year measures
was negatively impacted by the goodwill impairment loss related to our
Illinois hospitals recognized in December 2009 and by debt extinguishment
costs incurred to complete a refinancing of our indebtedness in January
2010. Many year over year comparisons of individual cost and expense items
as a percentage of total revenues, particularly for health plan claims
expense and the provision for doubtful accounts, were impacted by the
significant growth in health plan premium revenues and the uninsured
discount and Medicaid pending policy changes previously discussed. The
Supplemental Operating Measures Adjusted for Comparative Analysis table
included elsewhere in this release sets forth the impact of the uninsured
discount and Medicaid pending policy changes to certain expenses and
revenues and related ratios for our acute care services segment and to
certain statistical measures. Health plan claims expense as a percentage of
health plan premium revenues increased to 79.3% during the current year
compared to 77.5% during the prior year primarily as a result of changes to
capitation and supplemental payment rates, enrollee medical costs and
enrollee demographic mix under PHP’s new contract with AHCCCS that went
into effect on October 1, 2008.

Adjusted EBITDA was $326.6 million for the current year, an increase of
$23.9 million or 7.9% from the prior year. A reconciliation of Adjusted
EBITDA to net income (loss) attributable to Vanguard Health Systems, Inc.
stockholders as determined in accordance with generally accepted accounting
principles for the years ended June 30, 2009 and 2010 is included in the
attached supplemental financial information.

Cash flows from operating activities were $315.2 million for the current
year, an increase of $2.1 million from the prior year. Current year
operating cash flows were negatively impacted by AHCCCS’ deferral of the
June 2010 capitation and supplemental payments to PHP of approximately
$62.0 million until July 2010. Current year operating cash flows were
positively impacted by an improvement in net days revenue in accounts
receivable from 45 days at June 30, 2009 to 41 days at June 30, 2010. Cash
flows from operating activities were also positively impacted by the timing
of payments of accounts payable during the current year compared to the
prior year. Vanguard’s cash and cash equivalents balance was $257.6 million
at June 30, 2010 compared to $308.2 million at June 30, 2009.

On June 10, 2010, Vanguard entered into a definitive agreement to purchase
Detroit Medical Center (DMC), which owns and operates eight hospitals in
and around Detroit, Michigan with 1,734 licensed beds. Under the purchase
agreement, Vanguard will acquire all of DMC’s assets (other than donor
restricted and certain other assets) and assume all of its liabilities
(other than its outstanding bonds and other certain liabilities) for $417.0
million in cash, substantially all of which will be used to repay all such
non-assumed debt. The acquisition is pending review and approval by the
Michigan Attorney General. Detailed information regarding the purchase
price, assets acquired, liabilities assumed and future commitments related
to the DMC purchase are set forth in Vanguard’s Form 8-K filed with the
Securities and Exchange Commission on June 15, 2010. If approval is
obtained, Vanguard expects the DMC transaction to close during its second
quarter of fiscal 2011.

On July 14, 2010, certain of Vanguard’s subsidiaries issued $225.0 million
aggregate principal amount of 8% Senior Notes due 2018 (the Add-On Notes)
utilizing the same indenture governing the $950.0 million 8% Senior Notes
previously issued in January 2010. The Add-On Notes were issued at an
offering price of 96.250% plus accrued interest from January 29, 2010. The
proceeds from the issuance of the Add-On Notes will be used to fund a
portion of the DMC purchase price if such acquisition is approved by the
Michigan Attorney General or else used for general corporate purposes
including other potential acquisitions. Additional information regarding
the Add-On Notes is set forth in Vanguard’s Form 8-K filed with the
Securities and Exchange Commission on July 19, 2010.

On August 1, 2010, Vanguard completed the purchase of Westlake Hospital and
West Suburban Medical Center in the western suburbs of Chicago, Illinois
from Resurrection Health Care. As part of the purchase, Vanguard acquired
certain assets and assumed certain liabilities of these hospitals for a
total cash purchase price of approximately $45.0 million. These hospitals
have a combined 459 licensed beds and are each located within 10 miles of
Vanguard’s MacNeal Hospital. Additional information related to this
acquisition is set forth in Vanguard’s Form 8-K filed with the Securities
and Exchange Commission on August 4, 2010.

Vanguard will host a conference call for investors at 11:00 am EDT on
August 26, 2010. All interested investors are invited to access a live
audio broadcast of the call, via webcast. The live webcast can be accessed
on the home page of Vanguard’s Web site at www.vanguardhealth.com by
clicking on “Fourth Quarter Webcast” or at
http://visualwebcaster.com/event.asp?id=71303. If you are unable to
participate during the live webcast, the call will be available on a replay
basis on Vanguard’s Web site www.vanguardhealth.com. To access the replay,
click on the Investor Relations of www.vanguardhealth.com. The replay will
be available via this link for one year.

Vanguard owns and operates 17 acute care hospitals and complementary
facilities and services in Chicago, Illinois; Phoenix, Arizona; San
Antonio, Texas; and Massachusetts. Vanguard’s strategy is to develop
locally branded, comprehensive healthcare delivery networks in urban
markets. Vanguard will pursue acquisitions where there are opportunities to
partner with leading delivery systems in new urban markets or to increase
its presence in existing markets. Upon acquiring a facility or network of
facilities, Vanguard implements strategic and operational improvement
initiatives including expanding services, strengthening relationships with
physicians and managed care organizations, recruiting new physicians and
upgrading information systems and other capital equipment. These strategies
improve quality and network coverage in a cost effective and accessible
manner for the communities Vanguard serves.

This press release contains forward-looking statements within the meaning
of the federal securities laws, which are intended to be covered by the
safe harbors created thereby. These forward-looking statements include all
statements that are not historical statements of fact and those statements
regarding Vanguard’s intent, belief or expectations. Do not rely on any
forward-looking statements as such statements are subject to numerous
factors, risks and uncertainties that could cause Vanguard’s actual
outcomes, results, performance or achievements to be materially different
from those projected. These factors, risks and uncertainties include, among
others, Vanguard’s high degree of leverage and interest rate risk;
Vanguard’s ability to incur substantially more debt; operating and
financial restrictions in Vanguard’s debt agreements; Vanguard’s ability to
successfully implement its business strategies; Vanguard’s ability to
successfully integrate any future acquisitions; conflicts of interest that
may arise as a result of Vanguard’s control by a small number of
stockholders; the highly competitive nature of the healthcare business;
governmental regulation of the industry including Medicare and Medicaid
reimbursement levels; changes in Federal, state or local regulation
affecting the healthcare industry; the currently unknown effect on us of
the major federal healthcare reforms enacted by Congress in March 2010 or
other potential additional federal or state healthcare reforms; pressures
to contain costs by managed care organizations and other insurers and
Vanguard’s ability to negotiate acceptable terms with these third party
payers; the ability to attract and retain qualified management and
personnel, including physicians and nurses; claims and legal actions
relating to professional liabilities or other matters; the impacts of a
prolonged economic recession and tightened credit and capital markets on
Vanguard’s results of operations, financial position and cash flows
including its ability to successfully service its debt and remain in
compliance with debt covenants under its senior secured credit agreement;
Vanguard’s exposure to the increased amounts of and collection risks
associated with uninsured accounts and the co-pay and deductible portions
of insured accounts; Vanguard’s ability to maintain or increase patient
membership and control costs of its managed healthcare plans; the
availability and terms of capital to fund the expansion of Vanguard’s
business; the geographic concentration of Vanguard’s operations; the
technological and pharmaceutical improvements that increase the cost of
providing healthcare services or reduce the demand for such services; the
timeliness of reimbursement payments received under government programs;
the potential adverse impact of known and unknown government
investigations; and those factors, risks and uncertainties detailed in
Vanguard’s filings from time to time with the Securities and Exchange
Commission, including, among others, Vanguard’s Annual Reports on Form 10-K
and its Quarterly Reports on Form 10-Q.

Although Vanguard believes that the assumptions underlying the
forward-looking statements contained in this press release are reasonable,
any of these assumptions could prove to be inaccurate, and, therefore,
there can be no assurance that the forward-looking statements included in
this press release will prove to be accurate. In light of the significant
uncertainties inherent in the forward-looking statements included herein,
you should not regard the inclusion of such information as a representation
by Vanguard that its objectives and plans anticipated by the
forward-looking statements will occur or be achieved, or if any of them do,
what impact they will have on Vanguard’s results of operations and
financial condition. Vanguard undertakes no obligation to publicly release
any revisions to any forward-looking statements contained herein to reflect
events and circumstances occurring after the date hereof or to reflect the
occurrence of unanticipated events.

                          VANGUARD HEALTH SYSTEMS
        Condensed Consolidated Statements of Operations (Unaudited)
                              (In millions)


                                              Quarter ended June 30,
                                        ----------------------------------
                                              2009
                                          (as adjusted)         2010
                                        ----------------  ----------------
Patient service revenues                $ 629.3     76.1% $ 646.7     75.3%
Premium revenues                          197.2     23.9    211.7     24.7
                                        -------  -------  -------  -------
   Total revenues                         826.5    100.0    858.4    100.0
Costs and expenses:
   Salaries and benefits (includes
    stock compensation of $1.0 and $0.7,
    respectively)                         314.9     38.1    333.6     38.9
   Health plan claims expense             154.9     18.7    165.9     19.3
   Supplies                               116.1     14.0    116.7     13.6
   Provision for doubtful accounts         55.3      6.7     39.5      4.6
   Purchased services                      41.5      5.0     44.5      5.2
   Non-income taxes                        12.6      1.5     14.1      1.6
   Rents and leases                        10.8      1.3     11.0      1.3
   Other operating expenses                46.9      5.7     50.9      5.9
   Depreciation and amortization           34.2      4.1     37.7      4.4
   Interest, net                           27.0      3.3     30.8      3.6
   Debt extinguishment costs                  -        -      0.3        -
   Impairment loss                          6.2      0.8        -        -
   Other                                    0.7      0.1      5.6      0.7
                                        -------  -------  -------  -------
      Total costs and expenses            821.1     99.3    850.6     99.1
                                        -------  -------  -------  -------
Income from continuing operations
 before income taxes                        5.4      0.7      7.8      0.9
Income tax expense                         (3.3)    (0.4)    (4.4)    (0.5)
                                        -------  -------  -------  -------
Income from continuing operations           2.1      0.3      3.4      0.4
Income from discontinued operations,
 net of taxes                               0.6      0.1      0.2        -
                                        -------  -------  -------  -------
Net income                                  2.7      0.3      3.6      0.4
Less: Net income attributable to
 non-controlling interests                 (0.9)    (0.1)    (0.8)    (0.1)
                                        -------  -------  -------  -------
Net income attributable to Vanguard
 Health Systems, Inc. stockholders      $   1.8      0.2% $   2.8      0.3%
                                        =======  =======  =======  =======




                      VANGUARD HEALTH SYSTEMS, INC.
        Condensed Consolidated Statements of Operations (Unaudited)
                              (In millions)


                                            Year ended June 30,
                                ------------------------------------------
                                        2009                  2010
                                --------------------  --------------------
Patient service revenues        $ 2,507.4       78.7% $ 2,537.2      75.1%
Premium revenues                    678.0       21.3      839.7      24.9
                                ---------  ---------  ---------  --------
   Total revenues                 3,185.4      100.0    3,376.9     100.0
Costs and expenses:
   Salaries and benefits
    (includes stock
    compensation
    of $4.4 and $4.2,
    respectively)                 1,233.8       38.7    1,296.2      38.4
   Health plan claims expense       525.6       16.5      665.8      19.7
   Supplies                         455.5       14.3      456.1      13.5
   Provision for doubtful
    accounts                        210.3        6.6      152.5       4.5
   Purchased services               163.8        5.1      179.5       5.3
   Non-income taxes                  52.2        1.6       52.9       1.6
   Rents and leases                  42.6        1.3       43.8       1.3
   Other operating expenses         203.3        6.4      207.7       6.2
   Depreciation and
    amortization                    128.9        4.0      139.6       4.1
   Interest, net                    111.6        3.5      115.5       3.4
   Debt extinguishment costs            -          -       73.5       2.2
   Impairment loss                    6.2        0.2       43.1       1.3
   Other                              2.7        0.1        9.1       0.3
                                ---------  ---------  ---------  --------
      Total costs and expenses    3,136.5       98.5    3,435.3     101.7
                                ---------  ---------  ---------  --------
Income (loss) from continuing
 operations before income taxes      48.9        1.5      (58.4)     (1.7)
Income tax benefit (expense)        (16.8)      (0.5)      13.8       0.4
                                ---------  ---------  ---------  --------
Income (loss) from continuing
 operations                          32.1        1.0      (44.6)     (1.3)
Loss from discontinued
 operations, net of taxes            (0.3)      (0.0)      (1.7)     (0.1)
                                ---------  ---------  ---------  --------
Net income (loss)                    31.8        1.0      (46.3)     (1.4)
Less: Net income attributable
 to non-controlling interests        (3.2)      (0.1)      (2.9)     (0.1)
                                ---------  ---------  ---------  --------
Net income (loss) attributable
 to Vanguard Health Systems, Inc.
 stockholders                   $    28.6        0.9% $   (49.2)     (1.5)%
                                =========  =========  =========  ========




                      VANGUARD HEALTH SYSTEMS, INC.
              Supplemental Financial Information (Unaudited)
  Reconciliation of Adjusted EBITDA to Net Income (Loss) Attributable to
                Vanguard Health Systems, Inc. Stockholders
                              (In millions)


                                          Quarter Ended      Year Ended
                                             June 30,          June 30,
                                        ----------------  ----------------
                                          2009     2010     2009     2010
                                        -------  -------  -------  -------
Net income (loss) attributable to
 Vanguard Health Systems, Inc.
 stockholders                           $   1.8  $   2.8  $  28.6  $ (49.2)
Interest, net                              27.0     30.8    111.6    115.5
Income tax expense (benefit)                3.3      4.4     16.8    (13.8)
Depreciation and amortization              34.2     37.7    128.9    139.6
Non-controlling interests                   0.9      0.8      3.2      2.9
Loss (gain) on disposal of assets          (0.2)     1.4     (2.3)     1.8
Equity method income                       (0.4)    (0.1)    (0.8)    (0.9)
Stock compensation                          1.0      0.7      4.4      4.2
Monitoring fees and expenses                1.3      1.2      5.2      5.1
Realized loss on investments                  -        -      0.6        -
Impairment loss                             6.2        -      6.2     43.1
Acquisition related expenses                  -      3.1        -      3.1
Debt extinguishment costs                     -      0.3        -     73.5
Discontinued operations, net of taxes      (0.6)    (0.2)     0.3      1.7
                                        -------  -------  -------  -------
    Adjusted EBITDA (1)                 $  74.5  $  82.9  $ 302.7  $ 326.6
                                        =======  =======  =======  =======


(1) Adjusted EBITDA is defined as income before interest expense (net of
    interest income), income taxes, depreciation and amortization,
    non-controlling interests, gain or loss on disposal of assets, equity
    method income, stock compensation, monitoring fees and expenses,
    realized holding loss on investments, acquisition related expenses,
    debt extinguishment costs, impairment loss and discontinued operations,
    net of taxes. Adjusted EBITDA is not intended as a substitute for net
    income (loss) attributable to Vanguard Health Systems, Inc.
    stockholders, operating cash flows or other cash flow data determined
    in accordance with accounting principles generally accepted in the
    United States. Due to varying methods of calculation, Adjusted EBITDA
    as presented may not be comparable to similarly titled measures of
    other companies.




                      VANGUARD HEALTH SYSTEMS, INC.
                        Consolidated Balance Sheets
                              (In millions)


                                                      June 30,   June 30,
ASSETS                                                  2009       2010
                                                      ---------  ---------
Current assets:
  Cash and cash equivalents                           $   308.2  $   257.6
  Restricted cash                                           1.9        2.3
  Accounts receivable, net of allowance for doubtful
   accounts of approximately $121.5 and $75.6 at
   June 30, 2009 and June 30, 2010, respectively          275.3      270.4
  Inventories                                              48.3       49.6
  Deferred tax assets                                      29.6       21.9
  Prepaid expenses and other current assets                68.4      119.2
                                                      ---------  ---------
    Total current assets                                  731.7      721.0
Property, plant and equipment, net of accumulated
 depreciation                                           1,174.1    1,203.8
Goodwill                                                  692.1      649.1
Intangible assets, net of accumulated amortization         54.6       66.0
Deferred tax assets, noncurrent                            38.0       50.0
Investments in auction rate securities                     21.6       19.8
Other assets                                               19.0       19.9
                                                      ---------  ---------
    Total assets                                      $ 2,731.1  $ 2,729.6
                                                      =========  =========

LIABILITIES AND  EQUITY
Current liabilities:
  Accounts payable                                    $   127.9  $   194.8
  Accrued salaries and benefits                           133.9      144.9
  Accrued health plan claims and settlements              117.6      149.8
  Accrued interest                                         13.2       41.4
  Other accrued expenses and current liabilities           79.5       76.9
  Current maturities of long-term debt                      8.0        8.2
                                                      ---------  ---------
    Total current liabilities                             480.1      616.0
Professional and general liability and workers
 compensation reserves                                     76.7       83.6
Other liabilities                                          34.9       31.6
Long-term debt, less current maturities                 1,543.6    1,743.8
Commitments and contingencies
Equity:
  Vanguard Health Systems, Inc. stockholders' equity:
   Common stock                                               -          -
   Additional paid-in capital                             651.3      354.9
   Accumulated other comprehensive loss                    (6.8)      (2.5)
   Retained deficit                                       (56.7)    (105.9)
                                                      ---------  ---------
    Total Vanguard Health Systems, Inc. stockholders'
     equity                                               587.8      246.5
  Non-controlling interests                                 8.0        8.1
                                                      ---------  ---------
    Total equity                                          595.8      254.6
                                                      ---------  ---------
    Total liabilities and equity                      $ 2,731.1  $ 2,729.6
                                                      =========  =========




                         VANGUARD HEALTH SYSTEMS, INC.
                     Consolidated Statements of Cash Flows
                                 (In millions)


                                                            Year Ended
                                                             June 30,
                                                        ------------------
                                                          2009      2010
                                                        --------  --------
Operating activities:

Net income (loss)                                       $   31.8  $  (46.3)
Adjustments to reconcile net income (loss) to net cash
 provided by operating activities:
  Loss from discontinued operations                          0.3       1.7
  Depreciation and amortization                            128.9     139.6
  Provision for doubtful accounts                          210.3     152.5
  Amortization of loan costs and accretion of principal
   on notes                                                 27.2      11.7
  Loss (gain) on disposal of assets                         (2.3)      1.8
  Stock compensation                                         4.4       4.2
  Deferred income taxes                                      6.4      (8.5)
  Impairment loss                                            6.2      43.1
  Realized holding loss on investments                       0.6         -
  Acquisition related expenses                                 -       3.1
  Debt extinguishment costs                                    -      73.5
  Changes in operating assets and liabilities:
   Accounts receivable                                    (185.6)   (148.3)
   Inventories                                               1.0      (1.3)
   Prepaid expenses and other current assets               (12.7)    (80.5)
   Accounts payable                                        (27.5)     67.1
   Accrued expenses and other liabilities                  122.7     102.8
                                                        --------  --------
Net cash provided by operating activities - continuing
 operations                                                311.7     316.2
Net cash provided by (used in) operating activities -
 discontinued operations                                     1.4      (1.0)
                                                        --------  --------
Net cash provided by operating activities                  313.1     315.2

Investing activities:
Acquisitions and related expenses                           (4.4)     (4.6)
Capital expenditures                                      (132.0)   (155.9)
Proceeds from asset dispositions                             4.9       2.0
Sales of auction rate securities                               -       1.8
Other                                                       (2.0)      0.3
                                                        --------  --------
Net cash used in investing activities - continuing
 operations                                               (133.5)   (156.4)
Net cash used in investing activities - discontinued
 operations                                                 (0.1)     (0.1)
                                                        --------  --------
Net cash used in investing activities                     (133.6)   (156.5)

Financing activities:
Payments of long-term debt                                  (7.8) (1,557.4)
Proceeds from debt borrowings                                  -   1,751.3
Payments of refinancing costs and fees                         -     (93.6)
Repurchases of stock and stock options                      (0.2)   (300.6)
Payments related to derivative instrument with
 financing element                                             -      (6.2)
Distributions paid to non-controlling interests and
 other                                                      (4.9)     (2.8)
                                                        --------  --------
Net cash used in financing activities                      (12.9)   (209.3)
                                                        --------  --------
Net increase (decrease) in cash and cash equivalents       166.6     (50.6)
Cash and cash equivalents, beginning of year               141.6     308.2
                                                        --------  --------
Cash and cash equivalents, end of year                  $  308.2  $  257.6
                                                        ========  ========




                      VANGUARD HEALTH SYSTEMS, INC.
                      Segment Information (Unaudited)
                              (In millions)


                                Three months ended June 30, 2009
                      ----------------------------------------------------
                       Acute
                       Care     % of     Health   % of    Elimin-  Consol-
                     Services Revenues   Plans  Revenues  ations   idated
                      -------  ------   -------- -------  -------  -------
Patient service
 revenues(1)          $ 638.3   100.0%  $      -       -% $  (9.0) $ 629.3
Premium revenues            -       -      197.2   100.0        -    197.2
                      -------  ------   -------- -------  -------  -------
   Total revenues       638.3   100.0      197.2   100.0     (9.0)   826.5

Salaries and benefits
 (excludes stock
 compensation)          306.0    47.9        7.9     4.0        -    313.9
Health plan claims
 expense                    -       -      163.9    83.1     (9.0)   154.9
Supplies                116.0    18.2        0.1     0.1        -    116.1
Provision for
 doubtful
 accounts                55.3     8.7          -       -        -     55.3
Other operating
 expenses               102.2    16.0        9.6     4.9        -    111.8
                      -------  ------   -------- -------  -------  -------
   Total operating
    expenses            579.5    90.8      181.5    92.0     (9.0)   752.0
                      -------  ------   -------- -------  -------  -------
   Segment EBITDA(2)     58.8     9.2       15.7     8.0        -     74.5
Less:
 Interest, net           26.8     4.2        0.2     0.1        -     27.0
 Depreciation and
  amortization           33.1     5.2        1.1     0.6        -     34.2
 Equity method income    (0.4)   (0.1)         -       -        -     (0.4)
 Stock compensation       1.0     0.2          -       -        -      1.0
 Gain on disposal of
  assets                 (0.2)   (0.0)         -       -        -     (0.2)
 Monitoring fees and
  expenses                1.3     0.2          -       -        -      1.3
Impairment loss           6.2     1.0          -       -        -      6.2
                      -------  ------   -------- -------  -------  -------
 Income (loss) from
  continuing operations
  before income taxes $  (9.0)   (1.4)% $   14.4     7.3% $     -  $   5.4
                      =======  ======   ======== =======  =======  =======


(1) Vanguard eliminates in consolidation those patient service revenues
    earned by its healthcare facilities attributable to services provided
    to enrollees in its owned health plans and eliminates the corresponding
    medical claims expenses incurred by the health plans for those
    services.

(2) Segment EBITDA is defined as income (loss) from continuing operations
    before income taxes less interest expense (net of interest income),
    depreciation and amortization, equity method income, stock
    compensation, gain or loss on disposal of assets, realized holding
    losses on investments, monitoring fees and expenses, acquisition
    related expenses, debt extinguishment costs and impairment losses.
    Management uses Segment EBITDA to measure performance for Vanguard's
    segments and to develop strategic objectives and operating plans for
    those segments. Segment EBITDA eliminates the uneven effect of non-cash
    depreciation of tangible assets and amortization of intangible assets,
    much of which results from acquisitions accounted for under the
    purchase method of accounting. Segment EBITDA also eliminates the
    effects of changes in interest rates which management believes relate
    to general trends in global capital markets, but are not necessarily
    indicative of the operating performance of Vanguard's segments.
    Management believes that Segment EBITDA provides useful information
    about the financial performance of Vanguard's segments to investors,
    lenders, financial analysts and rating agencies. Additionally,
    management believes that investors and lenders view Segment EBITDA as
    an important factor in making investment decisions and assessing the
    value of Vanguard. Segment EBITDA is not a substitute for net income
    (loss), operating cash flows or other cash flow statement data
    determined in accordance with accounting principles generally accepted
    in the United States. Segment EBITDA, as presented, may not be
    comparable to similar  measures of other companies.




                      VANGUARD HEALTH SYSTEMS, INC.
                      Segment Information (Unaudited)
                              (In millions)


                               Three months ended June 30, 2010
                  --------------------------------------------------------
                   Acute
                    Care      % of    Health     % of   Elimina-  Consoli-
                  Services  Revenues   Plans   Revenues  tions     dated
                  --------  -------   -------  -------  --------  --------
Patient service
 revenues(1)      $  657.8    100.0%  $     -        -% $  (11.1) $  646.7
Premium revenues         -        -     211.7    100.0         -     211.7
                  --------  -------   -------  -------  --------  --------
 Total revenues      657.8    100.0     211.7    100.0     (11.1)    858.4

Salaries and
 benefits
 (excludes stock
 compensation)       324.0     49.3       8.9      4.2         -     332.9
Health plan
 claims expense          -        -     177.0     83.6     (11.1)    165.9
Supplies             116.7     17.7         -        -         -     116.7
Provision for
 doubtful
 accounts             39.5      6.0         -        -         -      39.5
Other operating
 expenses            110.8     16.8       9.7      4.6         -     120.5
                  --------  -------   -------  -------  --------  --------
  Total operating
   expenses          591.0     89.8     195.6     92.4     (11.1)    775.5
                  --------  -------   -------  -------  --------  --------
  Segment EBITDA(2)   66.8     10.2      16.1      7.6         -      82.9
Less:
 Interest, net        31.2      4.7      (0.4)    (0.2)        -      30.8
 Depreciation and
  amortization        36.6      5.6       1.1      0.5         -      37.7
 Equity method
  income              (0.1)    (0.0)        -        -         -      (0.1)
 Stock compensation    0.7      0.1         -        -         -       0.7
 Loss on disposal
  of assets            1.4      0.2         -        -         -       1.4
 Monitoring fees
  and expenses         1.2      0.2         -        -         -       1.2
 Acquisition
  related expenses     3.1      0.5         -        -         -       3.1
 Debt
  extinguishment
  costs                0.3        -         -        -         -       0.3
                  --------  -------   -------  -------  --------  --------
  Income (loss)
   from continuing
   operations
   before income
   taxes          $   (7.6)    (1.2)% $  15.4      7.3% $      -  $    7.8
                  ========  =======   =======  =======  ========  ========


(1) Vanguard eliminates in consolidation those patient service revenues
    earned by its healthcare facilities attributable to services provided
    to enrollees in its owned health plans and eliminates the
    corresponding medical claims expenses incurred by the health plans for
    those services.

(2) Segment EBITDA is defined as income (loss) from continuing operations
    before income taxes less interest expense (net of interest income),
    depreciation and amortization, equity method income, stock
    compensation, gain or loss on disposal of assets, realized holding
    losses on investments, monitoring fees and expenses, acquisition
    related expenses, debt extinguishment costs and impairment losses.
    Management uses Segment EBITDA to measure performance for Vanguard's
    segments and to develop strategic objectives and operating plans for
    those segments. Segment EBITDA eliminates the uneven effect of
    non-cash depreciation of tangible assets and amortization of
    intangible assets, much of which results from acquisitions accounted
    for under the purchase method of accounting. Segment EBITDA also
    eliminates the effects of changes in interest rates which management
    believes relate to general trends in global capital markets, but are
    not necessarily indicative of the operating performance of Vanguard's
    segments. Management believes that Segment EBITDA provides useful
    information about the financial performance of Vanguard's segments to
    investors, lenders, financial analysts and rating agencies.
    Additionally, management believes that investors and lenders view
    Segment EBITDA as an important factor in making investment decisions
    and assessing the value of Vanguard. Segment EBITDA is not a
    substitute for net income (loss), operating cash flows or other cash
    flow statement data determined in accordance with accounting
    principles generally accepted in the United States. Segment EBITDA,
    as presented, may not be comparable to similar
    measures of other companies.




                      VANGUARD HEALTH SYSTEMS, INC.
                      Segment Information (Unaudited)
                              (In millions)


                                  Year ended June 30, 2009
                  --------------------------------------------------------
                    Acute
                    Care      % of    Health    % of    Elimina-  Consoli-
                  Services  Revenues  Plans   Revenues    tions     dated
                  --------  --------  ------  --------  --------  --------
Patient service
 revenues(1)      $2,541.4     100.0% $    -         -% $  (34.0) $2,507.4
Premium revenues         -         -   678.0     100.0         -     678.0
                  --------  --------  ------  --------  --------  --------
  Total revenues   2,541.4     100.0   678.0     100.0     (34.0)  3,185.4

Salaries and
 benefits
 (excludes stock
 compensation)     1,198.8      47.2    30.6       4.5         -   1,229.4
Health plan
 claims expense          -         -   559.6      82.5     (34.0)    525.6
Supplies             455.2      17.9     0.3         -         -     455.5
Provision for
 doubtful
 accounts            210.3       8.3       -         -         -     210.3
Other operating
 expenses            425.5      16.7    36.4       5.4         -     461.9
                  --------  --------  ------  --------  --------  --------
  Total operating
   expenses        2,289.8      90.1   626.9      92.5     (34.0)  2,882.7
                  --------  --------  ------  --------  --------  --------
  Segment EBITDA(2)  251.6       9.9    51.1       7.5         -     302.7
Less:
 Interest, net       112.2       4.4    (0.6)     (0.1)        -     111.6
 Depreciation and
  amortization       124.8       4.9     4.1       0.6         -     128.9
 Equity method
  income              (0.8)     (0.0)      -         -         -      (0.8)
 Stock
  compensation         4.4       0.2       -         -         -       4.4
 Gain on disposal
  of assets           (2.3)     (0.1)      -         -         -      (2.3)
 Monitoring fees
  and expenses         5.2       0.2       -         -         -       5.2
 Realized holding
  loss on
  investments          0.6         -       -         -         -       0.6
 Impairment loss       6.2       0.2       -         -         -       6.2
                  --------  --------  ------  --------  --------  --------
  Income from
   continuing
   operations
   before income
   taxes          $    1.3       0.1% $ 47.6       7.0% $      -  $   48.9
                  ========  ========  ======  ========  ========  ========


(1) Vanguard eliminates in consolidation those patient service revenues
    earned by its healthcare facilities attributable to services provided
    to enrollees in its owned health plans and eliminates the
    corresponding medical claims expenses incurred by the health plans for
    those services

(2) Segment EBITDA is defined as income (loss) from continuing operations
    before income taxes less interest expense (net of interest income),
    depreciation and amortization, equity method income, stock
    compensation, gain or loss on disposal of assets, realized holding
    losses on investments, monitoring fees and expenses, acquisition
    related expenses, debt extinguishment costs and impairment losses.
    Management uses Segment EBITDA to measure performance for Vanguard's
    segments and to develop strategic objectives and operating plans for
    those segments. Segment EBITDA eliminates the uneven effect of
    non-cash depreciation of tangible assets and amortization of
    intangible assets, much of which results from acquisitions accounted
    for under the purchase method of accounting. Segment EBITDA also
    eliminates the effects of changes in interest rates which management
    believes relate to general trends in global capital markets, but are
    not necessarily indicative of the operating performance of Vanguard's
    segments. Management believes that Segment EBITDA provides useful
    information about the financial performance of Vanguard's segments to
    investors, lenders, financial analysts and rating agencies.
    Additionally, management believes that investors and lenders view
    Segment EBITDA as an important factor in making investment decisions
    and assessing the value of Vanguard. Segment EBITDA is not a
    substitute for net income (loss), operating cash flows or other cash
    flow statement data determined in accordance with accounting
    principles generally accepted in the United States. Segment EBITDA,
    as presented, may not be comparable to similar measures of other
    companies.




                      VANGUARD HEALTH SYSTEMS, INC.
                      Segment Information (Unaudited)
                              (In millions)


                                  Year ended June 30, 2010
                  --------------------------------------------------------
                    Acute
                    Care      % of    Health     % of   Elimina-  Consoli-
                  Services  Revenues   Plans   Revenues  tions     dated
                  --------  -------   -------  -------  --------  --------
Patient service
 revenues(1)      $2,580.0    100.0 % $     -        -% $  (42.8) $2,537.2
Premium revenues         -        -     839.7    100.0         -     839.7
                  --------  -------   -------  -------  --------  --------
  Total revenues   2,580.0    100.0     839.7    100.0     (42.8)  3,376.9

Salaries and
 benefits
 (excludes stock
 compensation)     1,257.9     48.8      34.1      4.1         -   1,292.0
Health plan
 claims expense          -        -     708.6     84.4     (42.8)    665.8
Supplies             456.0     17.7       0.1        -         -     456.1
Provision for
 doubtful
 accounts            152.5      5.9         -        -         -     152.5
Other operating
 expenses            447.0     17.3      36.9      4.4         -     483.9
                  --------  -------   -------  -------  --------  --------
  Total operating
   expenses        2,313.4     89.7     779.7     92.9     (42.8)  3,050.3
                  --------  -------   -------  -------  --------  --------
  Segment EBITDA(2)  266.6     10.3      60.0      7.1         -     326.6
Less:
 Interest, net       116.5      4.5      (1.0)    (0.1)        -     115.5
 Depreciation and
  amortization       135.2      5.2       4.4      0.5         -     139.6
 Equity method
  income              (0.9)    (0.0)        -        -         -      (0.9)
 Stock
  compensation         4.2      0.2         -        -         -       4.2
 Loss on disposal
  of assets            1.8      0.1         -        -         -       1.8
 Monitoring fees
  and expenses         5.1      0.2         -        -         -       5.1
 Acquisition
  related expenses     3.1      0.1         -        -         -       3.1
 Debt
  extinguishment
  costs               73.5      2.8         -        -         -      73.5
 Impairment loss      43.1      1.7         -        -         -      43.1
                  --------  -------   -------  -------  --------  --------
  Income (loss)
   from
   continuing
   operations
   before income
   taxes          $ (115.0)    (4.5)% $  56.6      6.7% $      -  $  (58.4)
                  ========  =======   =======  =======  ========  ========


(1) Vanguard eliminates in consolidation those patient service revenues
    earned by its healthcare facilities attributable to services provided
    to enrollees in its owned health plans and eliminates the corresponding
    medical claims expenses incurred by the health plans for  those
services.

(2) Segment EBITDA is defined as income (loss) from continuing operations
    before income taxes less interest expense (net of interest income),
    depreciation and amortization, equity method income, stock
    compensation, gain or loss on disposal of assets, realized holding
    losses on investments, monitoring fees and expenses, acquisition
    related expenses, debt extinguishment costs and impairment losses.
    Management uses Segment EBITDA to measure performance for Vanguard's
    segments and to develop strategic objectives and operating plans for
    those segments. Segment EBITDA eliminates the uneven effect of non-cash
    depreciation of tangible assets and amortization of intangible assets,
    much of which results from acquisitions accounted for under the
    purchase method of accounting. Segment EBITDA also eliminates the
    effects of changes in interest rates which management believes relate
    to general trends in global capital markets, but are not necessarily
    indicative of the operating performance of Vanguard's segments.
    Management believes that Segment EBITDA provides useful information
    about the financial performance of Vanguard's segments to investors,
    lenders, financial analysts and rating agencies. Additionally,
    management believes that investors and lenders view Segment EBITDA as
    an important factor in making investment decisions and assessing the
    value of Vanguard. Segment EBITDA is not a substitute for net income
    (loss), operating cash flows or other cash flow statement data
    determined in accordance with accounting principles generally accepted
    in the United States. Segment EBITDA, as presented, may not be
    comparable to similar measures of other companies.




                      VANGUARD HEALTH SYSTEMS, INC.
                      Selected Operating Statistics
                                (Unaudited)

                                                Three months ended
                                                     June 30,
                                                 ----------------
                                                   2009     2010   % Change
                                                 -------  -------  -------
Number of hospitals at end of period                  15       15
Licensed beds at end of period                     4,135    4,135
Discharges                                        41,400   42,159      1.8%
Adjusted discharges                               73,210   75,620      3.3
Adjusted discharges - hospitals                   69,258   71,657      3.5
Average length of stay                              4.18     4.09     (2.2)
Patient days                                     173,022  172,388     (0.4)
Adjusted patient days                            305,966  309,209      1.1
Adjusted patient days - hospitals                289,447  293,003      1.2
Patient revenue per adjusted discharge           $ 8,422  $ 8,407     (0.2)
Patient revenue per adjusted discharge -
 hospitals                                       $ 8,850  $ 8,560     (3.3)
Inpatient surgeries                                9,530    9,244     (3.0)
Outpatient surgeries                              19,521   19,084     (2.2)
Emergency room visits                            158,936  160,523      1.0%

Charity care and uninsured discounts as a
 percent of acute care segment revenues
 (prior to these discounts)(1)                       4.9%    10.8%

Provision for doubtful accounts as a percent of
 acute care services segment revenues (prior to
 charity and uninsured discounts)(1)                 8.2%     5.4%

Net patient revenue payer mix:
   Medicare                                         24.8%    25.0%
   Medicaid                                          7.7      7.6
   Managed Medicare                                 14.7     14.7
   Managed Medicaid                                  9.1      9.3
   Managed care                                     34.0     35.2
   Commercial                                        0.9      1.0
   Self pay                                          8.8      7.2
                                                 -------  -------
      Total                                        100.0%   100.0%
                                                 =======  =======

Discharges by payer:
   Medicare                                         26.7%    27.8%
   Medicaid(1)                                       9.7      9.3
   Managed Medicare                                 16.5     16.3
   Managed Medicaid                                 14.3     15.2
   Managed care                                     28.3     26.4
   Commercial                                        0.4      0.4
   Self pay(1)                                       4.1      4.6
                                                 -------  -------
      Total                                        100.0%   100.0%
                                                 =======  =======


(1) See Supplemental Operating Measures Adjusted For Comparative Analysis
    for the impact to the ratio of charity and uninsured discounts as a
    percent of acute care services segment revenues, the ratio of
    provision for doubtful accounts as a percent of acute care services
    segment revenues and Medicaid and self pay discharges of the change
    in our Medicaid pending policy during the three months ended June
    30, 2010.




                      VANGUARD HEALTH SYSTEMS, INC.
                      Selected Operating Statistics
                          (Unaudited) (continued)


                                            Year ended June 30,
                                           --------------------
                                             2009       2010     % Change
                                           ---------  ---------  ---------
Number of hospitals at end of period              15         15
Licensed beds at end of period                 4,135      4,135
Discharges                                   167,880    168,370        0.3%
Adjusted discharges                          288,807    295,702        2.4
Adjusted discharges - hospitals              274,767    280,437        2.1
Average length of stay                          4.23       4.17       (1.4)
Patient days                                 709,952    701,265       (1.2)
Adjusted patient days                      1,221,345  1,231,604        0.8
Adjusted patient days - hospitals          1,161,967  1,168,027        0.5
Patient revenue per adjusted discharge     $   8,503  $   8,408       (1.1)
Patient revenue per adjusted discharge -
 hospitals                                 $   8,623  $   8,516       (1.2)
Inpatient surgeries                           37,970     37,320       (1.7)
Outpatient surgeries                          76,378     75,969       (0.5)
Emergency room visits                        605,729    626,237        3.4%

Charity care and uninsured discounts as a
 percent of acute care services segment
 revenues (prior to these discounts)             3.9%      10.5%

Provision for doubtful accounts as a
 percent of acute care services segment
 revenues (prior to charity and uninsured
 discounts)(1)                                   8.0%       5.3%

Net patient revenue payer mix:
   Medicare                                     25.3%      25.5%
   Medicaid                                      7.9        7.4
   Managed Medicare                             14.1       14.8
   Managed Medicaid                              8.8        9.5
   Managed care                                 34.7       34.9
   Commercial                                    0.9        1.1
   Self pay                                      8.3        6.8
                                           ---------  ---------
      Total                                    100.0%     100.0%
                                           =========  =========

Discharges by payer:
   Medicare                                     27.1%      27.5%
   Medicaid (1)                                 10.2        8.8
   Managed Medicare                             16.0       16.3
   Managed Medicaid                             13.8       15.3
   Managed care                                 29.2       26.8
   Commercial                                    0.3        0.4
   Self pay (1)                                  3.4        4.9
                                           ---------  ---------
      Total                                    100.0%     100.0%
                                           =========  =========

(1) See Supplemental Operating Measures Adjusted For Comparative Analysis
    for the impact to the ratio of charity and uninsured discounts as a
    percent of acute care services segment revenues, the ratio of provision
    for doubtful accounts as a percent of acute care services segment
    revenues and Medicaid and self pay discharges of the change in our
    Medicaid pending policy during the year ended June 30, 2010.




                      VANGUARD HEALTH SYSTEMS, INC.
    Supplemental Operating Measures Adjusted for Comparative Analysis
                 For the three months ended June 30, 2010
          (dollars in millions, except for statistical measures)
                                (Unaudited)


                         Impact of Policy           % of Segment Revenues
                             Changes                ----------------------
                 GAAP-   ----------------  Non-GAAP           Non-GAAP
                 basis  Uninsured Medicaid adjusted  GAAP    adjusted(4)
                 amounts discounts pending amounts   basis  --------------
                   (1)      (2)      (3)     (4)     2010    2009    2010
                 ------- --------  ------  -------  ------  ------  ------
Acute care
 services
 segment:
 Total
  revenues(5)    $ 657.8 $   33.5  $ (4.7) $ 686.6   100.0%  100.0%  100.0%
 Salaries and
  benefits(8)    $ 324.7 $      -  $    -  $ 324.7    49.4    47.6    47.3
 Supplies        $ 116.7 $      -  $    -  $ 116.7    17.7    18.0    17.0
 Provision for
  doubtful
  accounts       $  39.5 $   33.5  $ (3.6) $  69.4     6.0     9.6    10.1
 Other operating
  expenses       $ 110.8 $      -  $    -  $ 110.8    16.8    15.8    16.1
 Total operating
  expenses       $ 591.7 $   33.5  $ (3.6) $ 621.6    90.0%   91.0 %  90.5%


                                                    % of Segment Revenues
                                                     Prior to Charity and
                         Impact of Policy            Uninsured Discounts
                             Changes                ----------------------
                 GAAP-   ----------------  Non-GAAP           Non-GAAP
                 basis  Uninsured Medicaid adjusted  GAAP    adjusted(4)
                 amounts discounts pending amounts   basis  --------------
                   (1)      (2)      (3)     (4)     2010     2009   2010
                 ------- --------  ------  -------  ------  ------  ------
Uncompensated
 care(6)         $ 117.8 $  (21.2) $ (3.6) $  93.0    16.0%   12.4%   13.1%
Total revenues,
 prior
 to charity(7)   $ 681.3 $   33.5  $ (4.7) $ 710.1


                  2010                           2010
              Statistical   2010      2010   Statistical   2009    Current
Vanguard        Measure   Uninsured Medicaid   Measure   Measure    year
consolidated:      as     discounts  pending      as        as    change as
               reported      (2)       (3)    adjusted  adjusted  adjusted
                -------   --------   ------    -------   -------   ------
Patient revenue
 per total
 adjusted
 discharge      $ 8,407   $    443   $  (62)   $ 8,788   $ 8,516      3.2%
Self-pay
 discharges       1,942          -     (600)     1,342     1,526    (12.1)%
Medicaid
 discharges       3,910          -      600      4,510     4,197      7.5%




                      VANGUARD HEALTH SYSTEMS, INC.
    Supplemental Operating Measures Adjusted for Comparative Analysis
                     For the year ended June 30, 2010
          (dollars in millions, except for statistical measures)
                                (Unaudited)


                         Impact of Policy           % of Segment Revenues
                             Changes               -----------------------
                 GAAP-   ---------------   Non-GAAP           Non-GAAP
                 basis  Uninsured Medicaid adjusted GAAP    adjusted(4)
                 amounts discounts pending amounts  basis  ---------------
                   (1)      (2)      (3)     (4)    2010    2009     2010
                 -------- ------  ------  -------- ------  -----   -------
Acute care
 services
 segment:
 Total
  revenues(5)    $2,580.0 $128.7  $(22.9) $2,685.8  100.0% 100.0%    100.0%
 Salaries and
  benefits(8)    $1,262.1 $    -  $    -  $1,262.1   48.9   47.2      47.0
 Supplies        $  456.0 $    -  $    -  $  456.0   17.7   17.9      17.0
 Provision for
  doubtful
  accounts       $  152.5 $128.7  $(22.3) $  258.9    5.9    8.5       9.6
 Other operating
  expenses       $  447.0 $    -  $    -  $  447.0   17.3   16.7      16.6
 Total operating
  expenses       $2,317.6 $128.7  $(22.3) $2,424.0   89.8%  90.3%     90.3%


                                                    % of Segment Revenues
                                                     Prior to Charity and
                         Impact of Policy            Uninsured Discounts
                             Changes                ----------------------
                 GAAP-   ----------------  Non-GAAP           Non-GAAP
                 basis  Uninsured Medicaid adjusted  GAAP    adjusted(4)
                 amounts   dis-   pending  amounts  basis  ---------------
                   (1)   counts(2)  (3)     (4)      2010   2009     2010
                 -------- ------  ------  --------  -----  -----    ------
Uncompensated
 care(6)         $  455.9 $(87.0) $(22.3) $  346.6   15.8%  11.6%     12.5%

Total revenues,
 prior to
 charity(7)      $2,667.7 $128.7  $(22.9) $2,773.5


                  2010                           2010
              Statistical   2010      2010   Statistical   2009    Current
Vanguard        Measure   Uninsured Medicaid   Measure   Measure    year
consolidated:      as     discounts  pending      as        as    change as
               reported      (2)       (3)    adjusted  adjusted  adjusted
                -------   --------   ------    -------   -------   ------
Patient revenue
 per total
 adjusted
 discharge      $ 8,408   $    435   $  (79)   $ 8,764   $ 8,527      2.8%
Self-pay
 discharges       8,168          -   (2,717)     5,451     5,483     (0.6)%
Medicaid
 discharges      14,867          -    2,717     17,584    17,235      2.0%


(1) Amounts reflected in or components of amounts reflected in the
    segment information tables included in this release. These amounts
    are based upon revenues or expenses determined in accordance with
    accounting principles generally accepted in the United States.

(2) Includes the impact of the uninsured discount policy implemented
    for Vanguard's Illinois hospitals effective April 1, 2009 and for
    it Phoenix and San Antonio hospitals effective July 1, 2009. Under
    this policy, Vanguard applies an uninsured discount (calculated as
    a standard percentage of gross revenues) at the time of patient
    billing and includes the discount as a reduction of revenues. This
    uninsured discount program applies to patients receiving hospital
    services who have no insurance coverage and do not otherwise meet
    Vanguard's charity care guidelines. Vanguard recorded a total of
    $11.7 million and $54.7 million of uninsured discounts relates to
    its acute care services segment during the three months ended June
    30, 2009 and 2010, respectively. Of these amounts $7.6 million and
    $33.5 million for the three months ended June 30, 2009 and 2010,
    respectively, related to non-Medicaid pending accounts that reduced
    revenues as a result of implementing this policy. Vanguard recorded
    a total of $11.7 million and $215.7 million of uninsured discounts
    related to its acute care services segment during the years ended
    June 30, 2009 and 2010, respectively. Of these amounts, $7.6 million
    and $128.7 million for the years ended June 30, 2009 and 2010,
    respectively, related to non-Medicaid pending accounts that reduced
    revenues as a result of implementing this policy.

(3) Includes the impact of Vanguard's policy change for accounts pending
    Medicaid qualification. Prior to the implementation of its new
    uninsured discount policy, Vanguard classified accounts pending
    Medicaid qualification as Medicaid revenues (and Medicaid discharges)
    and recorded a contractual discount for these accounts based upon
    the average Medicaid reimbursement rate for each specific state until
    qualification was confirmed. Vanguard implemented a new Medicaid
    pending policy for all of its hospitals whereby Medicaid pending
    accounts are classified as self-pay revenues (and self-pay discharges)
    with an uninsured discount applied. The balance of these accounts is
    subject to Vanguard's allowance for doubtful accounts policy. For
    those accounts that subsequently qualify for Medicaid coverage, the
    uninsured discount is reversed and the account is reclassified to
    Medicaid revenues (and Medicaid discharges) with the appropriate
    contractual discount applied. The difference between the
    state-specific Medicaid contractual discounts under the previous
    policy and the uninsured discount percentage applied to Medicaid
    pending accounts under the new policy increased total revenues by
    $0.7 million, $4.7 million, $0.7 million and $22.9 million for the
    three months ended June 30, 2009 and 2010 and the years ended June
    30, 2009 and 2010, respectively. The provision for doubtful accounts
    recorded for Medicaid pending accounts, after the uninsured discounts
    were applied, were $1.0 million, $3.6 million, $1.0 million and $22.3
    million for the three months ended June 30, 2009 and 2010 and the
    years ended June 30, 2009 and 2010, respectively.

(4) Revenues, certain expenses and those expenses as a percentage of
    revenues for the acute care services segment for the three months and
    year ended June 30, 2010 have been adjusted to allow for comparative
    measurement on a basis consistent with the three months and year ended
    June 30, 2009 (before implementation of the majority of the uninsured
    discount policy or the change to the Medicaid pending policy).
    Management believes these non-GAAP measures will provide investors,
    analysts and general users of this financial information an effective
    means to compare the operating results of Vanguard's acute care
    services segment for the current year periods to those of the prior
    year periods. However, these non-GAAP operating measures are not
    meant to replace GAAP-basis revenues, expenses or expenses as a
    percentage of revenues as operating performance indicators for the
    acute care services segment.

(5) Total revenues for the acute care services segment represent revenues
    prior to the elimination in consolidation of revenues earned by
    Vanguard's hospitals for services provided to enrollees in Vanguard's
    owned health plans.

(6) Uncompensated care is defined as the sum of uninsured discounts,
    charity deductions and the provision for doubtful accounts.

(7) Represents total revenues for the acute care services segment plus
    charity deductions.

(8) Includes stock compensation.

Filed Under: Health Insurance Coverage, Hospitals and Health Systems

GoHealthInsurance.com Helps Parents and Children Go Back-to-School With a Health Insurance Shopping Guide for All Ages

Posted on August 24, 2010 Written by Editor

SOURCE: GoHealthInsurance

How to Go Back-to-School Health Insurance Shopping

CHICAGO, IL–(Marketwire – August 24, 2010) –  As the back-to-school season approaches, students and parents shouldn’t forget about health insurance after budgeting for tuition, books, and other school costs. Students who face a temporary gap in coverage or don’t have any health insurance should explore their options in the individual market.

Though health reform will allow full-time students to stay on their parents plan until age 26, this won’t go into effect for millions until next year, leaving many students without coverage.

Students facing a gap in coverage. For students who are just going to face a gap in coverage for a few months, they should look into purchasing a short term health insurance policy. Short term plans are very inexpensive and cover emergency visits.

Students without health insurance. There are many students who will be going to college this fall and are required by their university to purchase health insurance. While many schools offer coverage, it is usually best and cheaper to purchase an individual health insurance policy from an insurance company.

As for cost, individual policies tend to be cheaper because young adults are in good health. An individual plan also offers more comprehensive doctor and hospital networks — university plans frequently have a strict list of covered health care providers.

Another great benefit of individual health plans for students is portability. Even after graduation, an individual health insurance policy can be kept throughout their early professional career.

“Students in need of health coverage can use GoHealthInsurance.com to quickly compare plans from different companies easily with our Quote Engine,” said Michael Mahoney, Director of Consumer Markets at GoHealthInsurance.com. “It’s never a good idea to go without coverage, and students will be surprised at how affordable health insurance can be.”

About GoHealthInsurance

GoHealthInsurance.com makes buying health insurance simple. GoHealthInsurance explains health coverage options in plain English, provides free health insurance quotes, connects shoppers with local agents, and helps consumers choose plans that meet their health and budget needs.

Contact:
Michael Mahoney
GoHealthInsurance
888-250-3409
Email Contact

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Filed Under: Health Insurance Coverage

Chicago Group Health Insurance Now Connecting Illinois Residents With Local Agents

Posted on August 18, 2010 Written by Editor

SOURCE: ChicagoGroupInsurance.net

For Residents and Business Owners Looking for Health Insurance Plans ChicagoGroupInsurance.net Connects Them With Professional Insurance Agents

CHICAGO, IL–(Marketwire – August 18, 2010) – With health insurance all over the news and a main topic in politics, it’s more important than ever to get the right coverage for the future. Health insurance can be a complicated service for those that are not well versed in the industry. It can be difficult for individuals and businesses to find the right plan. In many cases consumers and companies either have a plan that does not fit their needs or may be paying too much. It is always a good idea to research and talk with professionals about their health insurance coverage in order to make sure they are getting the coverage they need.

ChicagoGroupHealthInsurance.net connects individuals and consumers with a group health insurance agent, where they can speak with an insurance agent about their prospective plan. This can open up new possibilities for Illinois residents seeking health insurance.

For small business owners group health insurance has various cost and tax incentives for both them and their employees. These benefits can vary depending on the individual and business owner’s situation. Connecting with a professional can help them assess their situation.

ChicagoGroupInsurance.net offers a free consultation with a group health insurance representative which can be taken advantage of at their company website www.ChicagoGroupInsurance.net/

Contact:
Rob Jones
1324 W. Byron St.
Chicago, IL 60613
312-252-1728

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Filed Under: Health Insurance Coverage

Preventive Care Mandates Could Lead to Out-of-Control Costs and Unaffordable Health Insurance Premiums

Posted on August 11, 2010 Written by Editor

SOURCE: Foundation for Health Coverage Education

FHCE Warns Consumers Against “Free Lunch” Expectations

SAN JOSE, CA–(Marketwire – August 11, 2010) –  Beginning on September 23rd, the Patient Protection and Affordable Care Act will allow consumers who purchase new or revised insurance plans or policies to receive an array of preventive care services with no out-of-pocket cost. The Foundation for Health Coverage Education (FHCE), www.CoverageForAll.org, while applauding any efforts to keep overall health care costs down, cautions that this provision could instead lead to out-of-control medical costs which will escalate insurance premiums.

“While mammograms and colonoscopies clearly provide preventive services that are cost-effective and can save lives, one has to question the government’s waiving the total cost to the consumer for smoking cessation, and weight loss and alcohol treatment, which are included in these mandated services. A line must be drawn by the government as to where its funding ends and where personal responsibility begins,” said Phil Lebherz, FHCE Founder and Executive Director. 

“Behavior modification programs represent a billion dollar industry with high recidivism rates. As a result, because they will be available at no cost, enrollments in programs to combat the effects of lifestyle diseases from smoking, obesity and alcoholism will ratchet up costs with little expectation that the consumer be responsible for making healthy lifestyle choices,” said Lebherz.

The new law will require that individual policies and employer-based health plans offer certain mandated preventive health care services with no out-of-pocket costs to Americans
when they enroll in either new individual health policies or new group health plans. Going forward, the consumers with the new policies or plans will not be charged a co-payment, coinsurance or deductible for certain preventive services performed by a network provider, doctor or testing service, covered under their policy. Consumers who keep their grandfathered plans and do not change their existing individual coverage or whose employer-based group plans are not changed considerably, won’t be eligible for mandated services that have no cost out-of-pocket expenses. 

“The government cannot legislate personal responsibility,” Lebherz said. “If it’s free, it will increase costs and accomplish little because people in counseling for obesity, alcohol, and or smoking sensation tend to backslide and readmit to programs. In fact, new policies will cost more than the grandfathered policies.”

Mandates can provide a greater range of care, but they also mean increased premiums as insurers must cover out-of-pocket costs that were originally paid by consumers. The accumulation of mandates plays an important role in raising costs. According to the Council for Affordable Health Insurance (CAHI), there are over 2,000 mandated benefits. CAHI’s studies show that mandated benefits could increase the cost of basic coverage from approximately 20% to as much as 50%, depending on the number and design of the benefits, as well as the initial cost of the premium.

“It’s important for everyone to have adequate health coverage, but we have to draw the line somewhere,” said Lebherz. “Making healthy personal lifestyle choices are within the reach of all of us,” said Lebherz.

Launched in 2004, CoverageForAll.org is America’s first public health insurance search engine, helping over two million Americans discover their public and low-cost private health insurance options. Every month 70,000 people visit the website or call the free 24/7 multilingual U.S. Uninsured Help Line (800-234-1317) to take the simple 5-question Health Coverage Eligibility Quiz and speak with a live health insurance specialist who can walk them through the process, connect them with the programs and applications and provide them with a sign-up checklist needed to successfully apply. 

For information regarding health insurance and health care reform changes, please visit www.CoverageForAll.org or call the toll-free 24/7 U.S. Uninsured Help Line 800-234-1317. The Foundation for Health Coverage Education is a 501 (c) 3 national non-profit organization with a mission to provide simplified public and private health insurance eligibility information in order for more people to access coverage.

Media Contacts:
Marilyn Haese/Bobbi Rubinstein
Haese & Wood Marketing
(310) 556-9612
[email protected]

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Filed Under: Health Insurance Coverage

eHealth, Inc. to Present at the Oppenheimer & Co. Inc. Annual Technology, Media & Telecommunications Conference

Posted on August 5, 2010 Written by Editor

SOURCE: eHealth, Inc.

MOUNTAIN VIEW, CA–(Marketwire – August 5, 2010) –  eHealth, Inc. (NASDAQ: EHTH), the nation’s leading online source of health insurance for individuals, families, seniors and small businesses, today announced that its senior management will present at Oppenheimer & Co. Inc.’s Annual Technology, Media & Telecommunications Conference on Wednesday, August 11 at 8:30 a.m. ET. This event will be held at the Four Seasons Hotel in Boston, MA.

Interested investors can access the live audio webcast of each presentation at www.ehealthinsurance.com under Investor Relations. Please visit the website at least 15 minutes early to register, download, and install any necessary software. A replay of each event will be available on the company’s website shortly after the conclusion of the event and will remain available for 14 days.

About eHealth, Inc.

eHealth, Inc. (NASDAQ: EHTH), the parent company of eHealthInsurance and PlanPrescriber, is the nation’s leading online source of health insurance for individuals, families, seniors and small businesses. Through the company’s websites (http://www.eHealthInsurance.com, http://www.PlanPrescriber.com and http://eHealthMedicare.com), consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase individual and family, Medicare, small group, short-term and ancillary health insurance products. eHealthInsurance is authorized by more than 180 of the nation’s leading health insurance companies and offers thousands of health plans. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia, making it an excellent model of a successful, high-functioning health insurance exchange. Through its eCommerce On-Demand solution (eOD), http://www.ehealth.com/eOD/, eHealth is also a leading provider of on-demand e-commerce software services for health plan providers. eHealthInsurance and eHealth are registered trademarks of eHealthInsurance Services, Inc. PlanPrescriber is a registered trademark of PlanPrescriber, Inc.

For more information, please contact:
Market Street Partners
Phone: (415) 445-3236
Email: [email protected]

Filed Under: Health Insurance Coverage, Health Technology and AI

People With Diabetes Guaranteed Health Insurance Claims Rights

Posted on July 23, 2010 Written by Editor

SOURCE: American Diabetes Association

American Diabetes Association Issues Statement on New Insurance Claims Regulations

ALEXANDRIA, VA–(Marketwire – July 23, 2010) –  The American Diabetes Association applauds the new White House rule which will help people with diabetes and other chronic diseases appeal the denials of health insurance claims. This rule comes under the new Patient Protection and Affordable Care Act. The rules will help simplify the denial process and create consistency in all 50 states.

“In order to stay healthy, people with diabetes have to manage their disease with supplies like test strips, meters and insulin,” said Nash Childs, PE, Chair of the Board, American Diabetes Association. “Diabetes is a costly disease and without good coverage, the costs can make it difficult to manage properly. It is important that people with diabetes are treated fairly and given the opportunity to appeal any claims that are denied. The American Diabetes Association is grateful to the Obama administration for recognizing the need to make this available to everyone.”

The American Diabetes Association is leading the fight to stop diabetes and its deadly consequences and fighting for those affected by diabetes. The Association funds research to prevent, cure and manage diabetes; delivers services to hundreds of communities; provides objective and credible information; and gives voice to those denied their rights because of diabetes. Founded in 1940, our mission is to prevent and cure diabetes and to improve the lives of all people affected by diabetes. For more information please call the American Diabetes Association at 1-800-DIABETES (1-800-342-2383) or visit www.diabetes.org. Information from both these sources is available in English and Spanish.

Contact:
Christine Feheley
703-253-4374
[email protected]

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Filed Under: Health Insurance Coverage, Public Health and Research

Lengthy Term Care Health Insurance – A Closer Look

Posted on July 6, 2010 Written by Editor

Learn More:

NIB Health Insurance

 Youngsters at present face an ever rising variety of temptations ranging from drinking and smoking, drugs, playing and pre-martial sex. Unfortunately, on account of their youth and inexperience they fail to understand that what they do of their youth can have an excellent impact on their quality of life as they grow older.
Then again, as individuals grow older and approach retirement age they start to understand that the carelessness of their youth did have a profound impact on the quality of their life but now they are ready to do no matter it takes to take away as a lot danger as they can. As a result, an ever growing development has been the buying of long run care health insurance as a technique of lowering the monetary threat a chronic illness poses. 
Long run medical health insurance is one the perfect methods to reduce whatever fears you could have by way of how you’ll be able to handle your well being after (and in some instances at a a lot younger age if you’re the sufferer of an untimely accident) retirement in addition to ensure your family (your spouse, children and even your grandchildren) that they will not get saddled with the potentially large quantity of debt that may consequence from the high-cost of medical care. Long run care health insurance is among the greatest methods to guarantee that not solely will you receive larger high quality care but that you just won’t lose a lifetime value of savings in the process.
Because health care prices continue to rise at dramatic charges nearly every year, it is turning into growing advisable to start coverage much earlier in life. Traditionally, individuals wouldn’t even take into account long term care till nearing retirement or even till after retirement however you may want to reconsider your pondering if that’s been your plan. A number of massive causes you may want to consider looking into long run care health insurance as early as your mid 50’s are premiums and approval. Insurance policies taken out when somebody is of their early 50’s (that is still seen as a good age group ) is much cheaper then one initiated in their early to mid 60’s and the older you get the upper the premiums.
Nevertheless, if you happen to take out a coverage if you find yourself younger you’ll proceed to pay the identical premium at the same time as you get older. Positive, it’s possible you’ll pay for 10, 15 or 20 years earlier than you need it but while you do need it you’ll have much better coverage.
Another huge cause you might wish to think about taking out a policy earlier in life is that you vastly increase your odds of getting permitted with no riders or different exclusions. When you get harm or sick and notice you need long run medical insurance then it is too late to get coverage because no insurance coverage company will situation you a policy – at any price.
If you’re currently somewhat older and you have other revenue moreover your Social Safety benefits or Supplemental Safety Revenue (SSI) and also you completely have no bother paying on your each day wants and all your month-to-month bills then it’s best to definitely look right into a long term care health insurance plan.
When you make the choice to look into purchasing a long term care medical insurance plan it’s good to remember that no matter company you talk too will assess your health and you current state of life earlier than issuing you a policy. That can assess your means to deal with the Actions of Each day Dwelling (ADL). 
These so-referred to as Activities of Daily Dwelling are actions like: taking a bath, continence, dressing your self, consuming by yourself, going to the toilet (with none help from others) and getting yourself in and out of bed. If you cannot most if not all of these actions you alter of getting accredited and a policy issued is significantly reduced.
On the other hand, totally different companies use completely different approval standards and there are several types of policies you’ll be able to apply for. Some policies are geared in the direction of home health care or having a private home nurse whereas others are designed for care to be obtained while staying in a long term care facility. You will be given the option to decide on the type of plan you want to when you apply however like most things, you pay for what you get and totally different plans come will totally different value tags. Just be sure you completely understand all your options first and if you happen to feel pressured and uncomfortable then politely transfer on to the subsequent firm to apply.
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Filed Under: Health Insurance Coverage, Senior Care

GoHealthInsurance Launches GoHealthExchange.com: How to Make Health Care Reform Successful

Posted on July 1, 2010 Written by Editor

SOURCE: GoHealthInsurance

GoHealthInsurance.com Launches a New Exchange Site, GoHealthExchange.com, to Share Their Vision on How to Make Health Care Reform a Success in America

CHICAGO, IL–(Marketwire – July 1, 2010) –  GoHealthInsurance.com, an online health insurance marketplace, recently launched www.GoHealthExchange.com as an educational resource for health reform information and the use of technology with the implementation of health care reform.

GoHealthExchange.com provides an overview of the future of health insurance and the importance of providing consumer-driven tools and information. With health care reform, the convergence of technology, information and health insurance agents will come together to provide the ultimate consumer experience.

“Providing an in-depth resource on health care reform and changes to health insurance policies will help make the next few years an easy transition for consumers. Access to information and technology will be critical for the success of reform,” said Michael Mahoney, Director of Consumer Markets at GoHealthInsurance.com.

Recently, the new health reform government site, HealthCare.gov, was launched to provide a great resource for individuals and businesses looking for health care reform information. The consumer-driven site will help provide individuals and businesses a go-to place to find solutions regarding health reform.

Many consumers have been confused about health care reform and the changes to health insurance policies. Sites like GoHealthExchange.com and HealthCare.gov will help provide health coverage answers and solutions for many Americans.

Similar to the vision of HealthCare.gov, GoHealthInsurance.com currently offers interactive tools to help all Americans compare, apply and buy health insurance online. For example, on GoHealthInsurance.com, consumers can view health plans side-by-side from leading insurance companies including Aetna, many Blue Cross and Blue Shield companies, UnitedHealthOne and more.

Consumers can use the tools at GoHealthInsurance.com absolutely free at www.gohealthinsurance.com.

About GoHealthInsurance

GoHealthInsurance.com makes buying health insurance simple. GoHealthInsurance explains health coverage options in plain English, provides free health insurance quotes, connects shoppers with local agents, and helps consumers choose plans that meet their health and budget needs.

Contact:
Michael Mahoney
GoHealthInsurance
888-250-3409
Email Contact

Click here to see all recent news from this company

Filed Under: Blue Cross Blue Shield, Health Insurance Coverage

National Healthcare Reform Conference(TM) to Address Challenges of Reform and the Health Reform Bill

Posted on June 30, 2010 Written by Editor

LOS ANGELES, CALIFORNIA–(Marketwire – June 30, 2010) – With the passing of the Healthcare Reform Bill, PPACA, healthcare as we know it in the US has changed. Emotions run strong from people supporting it and those who oppose it. Healthcare reform made sweeping changes to the health insurance system and expanded health insurance coverage, but did so without addressing many of the underlying problems within our healthcare system that cause inefficiencies and increased healthcare costs. Such challenges have created a need for a platform to discuss solutions and answer. Renowned world leaders are gathering together National Healthcare Reform Conference in Los Angeles. www.healthcarereformconference.com

“The Patient Protection & Affordable Care Act will change the way many employees receive their coverage and affect the type of health plans workers are allowed to have. Many firms not currently offering coverage will face fines beginning in 2014, while some firms may find their plans do not meet new requirements,” said Devon Herrick, Senior Fellow at the National Center for Policy Analysis. “Conference attendees will learn about their obligations under the new law and how to navigate employers’ and employees’ options,” he added.

Employers, Insurance Companies and Americans will have new challenges to face, as every American is affected differently by healthcare reform. People who are sick will see their health insurance costs go down as healthy Americans may see their prices increase, and older Americans will see their health insurance costs go down as younger Americans may see their prices increase.

“Bringing together a dynamic and diverse group of health care leaders, government officials and industry experts, this Conference will engender thoughtful and timely discussion about how the landscape of health care is changing. I am pleased to be a part of this important opportunity to address the challenges and implications of the health care law for all Americans,” said Therese Vaughan, CEO of the National Association of Insurance Commissioners (NAIC). 

The National Healthcare Reform Conference™ is the first conference in the US to address the problems, challenges and obstacles of implementing Healthcare Reform. The conference, which is sponsored by the Healthcare Reform Magazine, www.healthcarereformmagazine.com, will focus on how healthcare reform affects employers, insurers, insurance agents, healthcare providers and patients and will peel back the onion of the thousands of pages of healthcare reform bill to look at how different aspects of health care reform will really work.

Maureen Ross, Senior Meeting Manager of the National Healthcare Reform Conference stated, “this conference will bring together all the senior leaders in the healthcare sector to share their knowledge and collaborate on how to comply and work under the new healthcare reform law. Some of the top experts in the US will be sharing their knowledge such as the CEO of the National Association of Insurance Commissioners, the Secretary of the Board of Trustees of the American Medical Association, the CEO of the National Association of Health Underwriters, the President of the National Association of Insurance and Financial Advisors, National Center for Policy Analysis, Thomson Reuters, Milliman and other leading experts.”

The National Healthcare Reform Conference™ is part of the Employer Healthcare Congress, www.employerhealthcarecongress.com, which is one of the leading healthcare conferences in the country with a focus on employers.

About Employer Health Congress

The National Healthcare Reform Conference is a stream of Employer Healthcare Congress. Together with four streams 1) Corporate Wellness Conference 2)Voluntary Benefits and Limited Medical Conference 3) Self Funding Employer Healthcare & Workers Compensation Conference and 4) The National Healthcare Reform Conference, The Employer Healthcare Congress is one of the largest US healthcare conferences in the country with up to 2,000 attendees and up to 150 exhibitors and sponsors.

The Employer Healthcare Congress | www.employerhealthcarecongress.com

Corporate Wellness Conference | www.corporatewellnessconference.com

Voluntary Benefits and Limited Medical Conference | www.voluntarybenefitsconference.com

Self Funding Employer HC and Workers Compensation Conference | www.selffundingconference.com

The National Healthcare Reform Conference | www.healthcarereformconference.com

PR & Marketing by ExHealth, Dubai

Filed Under: Health Insurance Coverage, Healthcare Policy and Law

Health Insurance policy

Posted on May 4, 2010 Written by Editor

Getting Health Insurance Quotes By Phone
Though calling around for insurance quotes will be a terribly time-consuming task, it is a sensible approach to get your questions answered about the policy by a professional. In several cases, calling an insurance company for a quote will result in an automated session and then being placed on hold. This can be the kind of frustration that you’ll face, time and again, when making an attempt to receive any quite insurance quote by phone.

It will take up a heap of time and you are doing have to stay notes about every quote you receive, but there are some good reasons for getting health insurance quotes by phone:

• You’ll be able to speak to a skilled in real time
Eventually, you will get through to an actual person on the opposite finish of the phone. This person can explain the policy to you in detail, answering any queries you may have as they come up.

• You’ll be able to learn about different premiums and choices on the same policy
When a bound health insurance policy interests you, you will be ready to talk to somebody concerning adjusting the premium and/or deductible on the policy, tailoring it to raised fit your needs.

• You can purchase a policy immediately
By using a check by phone or your credit card, you can purchase a policy based on the health insurance quotes you receive over the phone. This process is mostly fast, as well as a brief question-and-answer session.

Obtaining Health Insurance Quotes On-line
For those who prefer a quick and straightforward method of insurance looking, the Web is certainly your best option. Using the Web, you’ll be able to head to a selected company’s web site and learn additional about their policies by receiving free on-line health insurance quotes, or compare and distinction the policies offered by several corporations at once.

The Web allows you to receive several more health insurance quotes, in an exceedingly much shorter amount of your time than you would be receiving quotes over the phone. There are a number of advantages to shopping for health insurance quotes online:

• You can get several health insurance quotes, fast
When time could be a factor, the Net is your best friend. You’ll be able to examine many totally different health insurance quotes at the identical time on-line, a lot of additional quickly than it takes to get through most phone automated systems.

• You can compare tons of health insurance quotes directly
Aspect-by- aspect or page-by-page, with the Net you’ll compare health insurance quotes from several totally different health insurance companies at once. This makes comparison shopping a breeze.

• Simple purchase
You’ll usually purchase a health insurance policy online, employing a secured method and your credit card. This allows you to get your health insurance policy quickly, therefore that coverage will start right away.

An Independent Agent
When doing your own research, finding completely different quotes, calling around or even using the Net to buy just isn’t your thing, you’ll wish to use an independent insurance agent. These agents don’t work for any specific company except for you. They use their time to shop around for you, finding you the most effective potential policy based mostly upon the health insurance quotes they receive.

Typically, freelance agents will get much higher rates than the common customer. This is as a result of insurance company provide agents deals and discounts merely for brining in new business. An freelance agent will work for you to find the most effective health insurance quotes, thus that you simply pay less while still receiving the best coverage doable for you and your family.

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Filed Under: Health Insurance Coverage, Healthcare Policy and Law

New CSC Survey Predicts Continued Decline in Health Plan Enrollment

Posted on December 17, 2008 Written by Editor

According to a survey released today by CSC (NYSE:CSC), entitled “Insuring the Future: Health Plans Respond to the Financial Crisis”, about 75 percent of health plan executives expect the current economic crisis to have a greater impact on their business than the 2001-2002 economic downturn.

While few of the health plan executives surveyed expect immediate changes in enrollment and membership levels in health plans, more than two-thirds expressed concern that continued rising unemployment would drastically affect their plan operations and profitability.

54 percent of health plan executives expect small group health plan and business health plan renewals to decrease. Large employers are expected to maintain their commitment to group health insurance coverage. Less than 31 percent expect a decrease in large group health plan renewals. However, almost three-quarters of plan executives foresee an increase in consumer-directed plans with higher deductibles and lower premiums as employers shift more of the cost to their employees. Nearly two-thirds expect an increase in government program enrollment as economic disruption and unemployment expand welfare participation.

The survey research was conducted in November of 2008. CSC interviewed 30 senior health plan executives that represented 26 different health plans. 83 percent of the participants hold C-level positions. To view the results report, visit go here.

CSC’s Global Health Care sector, which serves health care providers, health plans, pharmaceutical and medical device manufacturers, and allied industries around the world, is a global leader in transforming the healthcare industry through the effective use of information to improve health care outcomes, decision-making and operating efficiency.

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Filed Under: Health Insurance Coverage

American Community Introduces Affordable Health Insurance Options

Posted on October 30, 2006 Written by Editor

American Community Mutual Insurance Company has introduced two new consumer-choice health insurance plans for employer groups, families and individuals in Illinois, Iowa, Missouri and Nebraska. The new plans are designed to make health insurance more affordable, especially for small employer groups that may not be able to afford traditional coverage, the self-employed, and those not in employee-sponsored group plans, such as young adults who may no longer be eligible under a parent’s coverage.

The Next Generation HSA and Triple Tier PPO are low-cost PPO (preferred provider) health plans that take a creative approach to risk- and cost-sharing to reduce premiums, while assuring financial protection against catastrophic hospital and medical costs. The plans were introduced earlier this year in Michigan, Indiana and Ohio. Both plans include an industry-leading assortment of self-directed care management tools to help insureds stay healthy, make more informed use of health services, and receive access to health experts 24-hours a day.

The Next Generation HSA is a qualified high-deductible health insurance plan with unique features. These types of plans typically allow the insured to pay deductibles and co-payments from a tax-free Health Savings Account, but American Community adds three innovations, according to Gerald Meach, President and CEO.

First, it offers multiple payment-sharing options to help people select coverage to best fit their needs. Second, the family plan offers the option of a separate, lower deductible for individuals, letting them begin benefits earlier. Third, the deductible is waived for the first 30 days of care after an accident. “This best-in-class benefit saves members from being hit hard with unexpected expenses,” said Meach.

The Triple Tier PPO plan offers lower premiums by providing different benefit levels based on type of care. “The plan provides higher benefits for hospitalizations, emergency care and injuries, the most serious and costly treatments, with lesser benefits for outpatient, non-emergency care where the policyholder can take the time to evaluate, with our assistance, alternatives that can be more cost effective,” he explained.

Both the Next Generation HSA and Triple Tier PPO allow choice of doctors and healthcare providers, with highest benefits for insureds who use preferred providers recognized by American Community.

The company’s new plans offer a TelaDoc physician phone line, 24-hour nurse line, treatment cost calculator, web-based medical library, personal health & symptom evaluation tool, prescription drug pricing and research info, hospital cost comparisons, and health helper tips.

American Community is licensed in 38 states and has embarked on an aggressive program of geographic growth and coverage innovations to help keep health care affordable, according to Meach. The company plans to launch two new consumer-choice products in early 2007.

With beginnings dating back to 1938, American Community is one of the nation’s oldest health insurance companies. Today it markets coverage in Michigan, Ohio, Indiana, Illinois, Missouri, Iowa, Nebraska and Arizona through more than 6,000 independent insurance agents.

For more information about these new products, visit www.american-community.com.

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Filed Under: Health Insurance Coverage, Hospitals and Health Systems

Top 10 Types of Health Insurance Plans in America

Posted on March 22, 2006 Written by Editor

There are more and more forms of health insurance are showing in our society, since competition of health insurance is increase. Now I am list and briefly describe 10 of the most popular types of health inusrance plans in the United State below:

INDIVIDUAL INSURANCE: Ensuring a person individually is a common mode of insurance. This is a process through which one may be selective about what s/he wants in a plan. Accordingly, one’s required premium is calculated, and the insurance plan takes effect.

GROUP INSURANCE: Through this type of insurance, one is compelled to abide by what others are going for, and this is also dependent on the insurance providers. They are the ones that decide what is feasible to include in a plan, and on that basis a group insurance can take place.
PPO:This is the Preferred Provider Organization. If a person has membership of this organization, they can be treated by doctors within the setup. This is because of the arrangement they have; it is such that when a member gets ill, they are treated by their own panel. Otherwise, one has to pay for treatment outside the network.

HMO: The Health Maintenance Organization is one that allows a member to select a particular doctor off the panel. It is these selected doctors that will deal will with members’ problems. The selected doctor is the one that will be approached for checkups of any kind, and if there are problems with a member that cannot be handled by him or her, the member is referred to specialists.

MSA: This is a Medical Savings Account that is also tax-advantaged. It is used for health insurance policy that has high premiums to be paid. Members have to save money in this account in order to pay for their medical bills, which include checkups, treatments, etc. The fact that tax does not apply to it, makes it a good strategy towards coping with high premiums in health insurance.

POS: This is a Point-of-Service Plan, which implements properties of the HMO and PPO plans. Through this arrangement, a member of this plan can either go to any doctor in the network or go to one outside the network. However, generally this is the concept that allows flexibility.
INDEMNITY PLAN:This plan allows one to go to any doctor when one needs to; there are no restrictions on this, and it is believed to be more of a traditional plan. One does not need permission to go to a particular health care provider. However, usually what happens is that the member pays 20% of the total fee for treatment while the insurance provider pays 80%. In addition to this, there is a period through which one pays up in this manner, and then the company takes over paying the whole 100%.

THE PROVIDER: This insurance is like the services provided through the Medicare program.

PCP: This is Primary Care Physician, and it refers to the first provider that a member is associated with. This provider is responsible for making sure that all basic checks are made, and if there are further areas to check up on, the member has to be referred to a specialist.
GENERAL COVERAGE WITH HEALTH & LIFE PROTECTION:This form of insurance includes life coverage as well as health coverage.

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Filed Under: Health Insurance Coverage

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