May 15, 2011Issue No. 8

 

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In This Issue:
Value Added Benefits & Discounts included with your Health Insurance
Mindstream Academy... Where Teens Fit
Health Care Costs

Additional Links about...

Discount and Value-Added Services:


Your Health Insurance May Help You Lose Weight, Quit Smoking or Participate in Other Wellness Programs


BCBS of SC Discounts and Added Values

UnitedHealth One FACT Member Benefits 

 

BCBS Value Benefits Booklet 

 

UnitedHealth Care  - Value-Added Personal Health Services

 

UnitedHealthcare's Care 24 Services 

 

UHC Health Care Lane: Go to Main Street & Visit Cell Phone City

 

Increasing Workplace Efficiency with UHC's Care24 Services

 

UHC Nurseline Services 

 

Aetna Wellness Products & Discounts 

 

HumanaOne Special Discounts 

 

Principal Insurance Coverage: Healthy Connections  

 

Our Team:

C. Grant Cully   gcully@hhisolutions.com   

Janet Cully   
jcully@hhisolutions.com   

Jon Myers   
jmyers@hhisolutions.com   

Karen Cully 

kcully@hhisolutions.com   


Keith C. Kline  
kkline@hhisolutions.com  

About  Us:  

Harbour Health Insurance Solutions provides businesses and individuals with comprehensive, cost-effective and value-added health benefits with packaged solutions.

In an extremely competitive industry, Harbour Health has set itself apart by delivering unparalleled service, advocacy and cost savings.

Our turnkey approach to servicing clients allows them to outsource their insurance and benefits needs to a proven expert and to redirect their time and resources toward what matters most to them.

Contact Us: 

Phone:  
843.671.9200


Fax:  

843.671.9201


Toll Free:   

888.323.3230


Email:

info@hhisolutions.com
 

 Additional Links about...

Health Care Costs: 


Where Does a  

Premium Dollar Go?  

 

AHIP Dollar Based on PricewaterhouseCoopers' Analysis  

 

The FACTS About Health Plan Administrative Costs  

 

The Hay Group: How Health Insurance Premiums Are Determined 

 

Health Plan Profits

 

FACT CHECK: Putting Profits into Perspective  

 

What They Are Saying About Health Plan Profits 

 

Federal Rate Review


What They Are Saying About Federal Rate Review 

 

Underlying Medical Costs


Editorials and News Outlets  

 

Policy Experts and Opinion Letters 

 

Case Studies: Examples of Underlying Medical Costs 

 

Highlights from the 2010 Milliman Medical Index Report 

 

Articles Highlighting Medical Costs  

 

Articles and Case Studies  

on Cost Drivers


Forbes: America's Most Profitable Hospitals 

 

NY Times: Brand-Name Drug Prices Up 8% in 2009 

 

San Diego Reader: What Hospitals Charge vs. What Patients Pay 

 

The Sacramento Bee: "California's Higher Hospital Costs Add to Health Insurance Hikes" 

 

How to Discuss Rising Costs: Presentation on Rising Health Care Costs 

 

CNN: "Paging Dr. Gupta: Surgical Equipment Price a Shocker" 

 

New York Times: "Tackling the Mystery of How Much It Costs" 

 

New York Times Editorial: "Reform and Massachusetts" 

 

Associated Press: "Overtreated: More Medical Care Isn't Always Better" 

 

Associated Press: "Americans Are Treated, and Overtreated, to Death" 

 

Reports and Analyses  

on Cost Drivers


Health Affairs: "Unchecked Provider Clout in California Foreshadows Challenges to Health Reform" 

 

Health Affairs: "Health Spending Projections Through 2019: The Recession's Impact Continues" 

 

Massachusetts Attorney General's Statement and Report on Health Care Cost Drivers 

 

Thompson Reuters White Paper: "A Path to Eliminating $3.6 Trillion in Wasteful Healthcare Spending" 

 

PricewaterhouseCoopers: "Behind the Numbers: Medical Cost Trends for 2011" 

 

Mass. D.O.I.: Analysis of Individual Health Coverage in MA Before and After 2006 Reform Law 


Good Morning!

We've put together some of the most recent important news in the insurance industry. 

Please give us a call or send us an email if you have any questions or concerns about the information enclosed in this newsletter.

We look forward to being an advocate for you in the insurance world.

Have a happy and healthy day!

 

Value Added Benefits:  

Take advantage of all your discounts and services that are already included with your health insurance!  

Many times, when you think of medical benefits you only think about doctor visits and drug plans. Often, insured members do not realize that their insurance carrier might also include services known as "Value Added Benefits". 

 

Health Insurance Carriers offer these Value Added Services to encourage healthy lifestyles. Healthy lifestyles would yield healthier members, which keep insurance claims down. 

 

Examples of Value Added Benefits Include: 

24/7 Nurseline: NurseLine services can help you make smart health care decisions with immediate telephone access to experienced registered nurses.

Vision: some carriers have pre-negotiated discounts for vision care such as eye exams, eyeglasses, & even Lasik eye surgery.

Nutrition and Supplementation: Certain carriers provide discounts or reimbursements for nutritional supplements.  

Smoking Cessation: Some Insurance providers may provide discounts on medications, patches, pills, or provide services to help members quit smoking.  

Fitness & Health: Members may take advantage of weight management programs  such as Weight Watchers™ or Jenny Craig™.  Discounts and reimbursements may be available for health club memberships, gym equipment, and even coaching.

Hearing - Certain hearing centers may have pre-negotiated discounts with your insurance carrier for services and products.

Store Discounts - Various retailers may have a pre-negotiated incentive worked out with your insurance company such as baby stores or household goods.  

Stress and Alcohol Management - Different services may exist for stress management and alcohol rehabilitation and treatment programs.

Mail Order Rx Discounts - Certain carriers offer additional discounts for mail order prescriptions. This is especially useful for drugs prescribed for the long-term such as heart medicine or cholesterol drugs.  

Mindstream Academy... Where Teens Fit  

Mindstream Academy 

Do you know of a teenager who is struggling with his or her weight?  There is someplace they can go to be lovingly supported in a fun environment.

 

MindStream Academy is a therapeutic boarding program for teenagers who are overweight.  We are dedicated to healing, nurturing and educating overweight teenagers by cultivating a spirit of hope and accomplishment.  Through our components of counseling, nutrition, fitness and academics we bring about true life change and long-term success.  By focusing on the whole person as opposed to just their weight, our program truly stands out.  Teens achieve healthy weight, get fit and build self-esteem by nurturing their mind, body, and spirit. We're not a traditional weight loss facility. Our focus is not on the numbers on a scale, unrealistic diet plans, or hours spent in a gym, but rather self-awareness and regulation. We stress gaining control over one's life.  Teens can safely explore the emotional, physical and social factors that led them to this crossroad. By helping them better understand the underlying cause of their behavior, they can change for life. Our goal is to provide teens with long-term, meaningful change by helping to build independent minds, strong healthy bodies, and powerful character.

 

The significant aspects of our fun and innovative program include:

  • Biofeedback and Neurobiofeedback -This therapy provides tools for developing deep relaxation and stress management through self-regulation exercises.  
  • Equine Assisted Psychotherapy and Learning - Students are partnered with horses for experiential and team building activities.  In doing so, our students better learn about themselves and others.
  • Food and Nutrition Education Program - Begins from the ground up; students have the opportunity to assist in our organic garden, harvesting ingredients  for meals,and working side by side with our chefs and registered dietitian, gaining essential life skills and learning how to prepare healthy and delicious  meals.  
  • Outdoor Fitness - Our fitness program is designed to create a positive association with exercise by initiating and energizing enjoyment of movement, and, by simply having fun.  Our beautiful campus is designed entirely to be a movement playground.
  • Family Involvement - Change in the family habits is the most important element for assuring success for the student.  Family therapy and education takes place weekly either in person, Skype or telephone.
  • Educational component - Education is provided by Kaplan, who has a long history of success in providing online education.  Each student will have an individualized academic program designed to keep him or her on schedule with his or her home school curriculum.  In addition to the Kaplan program, a certified educator facilitates academics.

This incredible program takes place on our beautiful 43- acre equestrian farm located within the Lowcountry of South Carolina - one of the most spectacular landscapes in the world. One does not leave our campus unaffected by its majestic quality.   

 

Patrick House, winner of Biggest Loser season 10, has also recently joined our team to help motivate and inspire our teens.

 

Please visit us online at www.mindstreamacademy.com or give us a call at 843-757-2003 to see how we can help!

 

Check out our video testimonial from the parents of a young man currently attending MindStream Academy:

Parent Testimonial
Parent Testimonial

Health Care Costs  

From the:  

americanhealthsolution.org  

Sponsored by:

AHIP 

 

Throughout the health care reform debate one constant refrain heard from all perspectives was the need to address out of control increases in health care costs.  While reaching consensus on the problem was easy, agreement on solutions and focusing on the root causes of cost increases has been much more elusive.

 

The need for the country to address this mounting trend is still at hand. It's important that elected officials, the media, academics, the general public and all of the players in the health care industry continue the dialogue about what factors are contributing to this phenomenon. Collectively, we must continue to work towards solutions.

 

The AmericanHealthSolution.org page is intended to share information about health care costs - what's contributing to them and what can be done to put them back on a sustainable path.

 

http://www.americanhealthsolution.org/costs/

 

Take a look at the site and the additional links to the left for more information.  

 

 

 

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