Cigna Health Insurance

• What is the reason for high health-care in United States?   We have Big-3 Auto makers executive visiting White House to discuss, rising healthcare, pension, unfoavourable exchange rates and high cost of steel. My employer just raised my premium to K per year. Doctors don't make money the way they used to in 80s? Hospitals are shutting down everywhere except FL? Insurance companies like Aetna, Cigna stocks are not rising rapidly. What is the reason for this high healthcare cost? Are we all too sick, fat and unhealthy? Or is it illegal immigrants are exhausting all healthcare institutions and medicaid?
  • Because no one pays their own health care costs! We expect everyone else (gov't, insurance companies, our employers) to pay for our medical care. Because of this we demand the best available care and we don't care about the price. The market forces of competition are absent. There is no incentive for us to shop around for the best price for health care. Another factor is too much gov't regulation. Not every medical issue requires a full M.D. Why can't I go see someone less trained and educated for minor issues? Yet another factor is the legal system has greatly increased costs due to constant mal-practice suits and judgements beyond all reason. The medical establishment does tests not needed just to prove they covered all the bases. Malpractice insurance keeps getting more expensive, thereby driving up our costs. Still another factor is that illegal immigrants get free health care, at the medical establishments expense, because they are not allowed to turn them away. There are many reasons for the high health care costs. Any true reform will have to address them all.
  • Oh c'mon. There are probably many more reasons than our own unhealthy lifestyles and the effect of undocumented immigrants. I'll try to think of two more. How about our aging population? People are living a lot longer than they used to, and it is often late in life, when we are no longer working and when we spend lots of money on health care. The baby boomers are reaching 60, aren't they? So just watch this trend accelerate from now on. Malpractice insurance. Maybe lawyers have gotten too good at their jobs or people these days are more inclined to sue than other generations were. Either way, malpractice insurance is expensive and is a non-negligible component of our health care costs because doctors pass its high price on to us. They have to or they would go out of business. Of course, we could legislate this away through tort reform, but do you want to take that chance in case your doctor screws up someday? Maybe we could make doctors more careful? I've never heard anyone talk about this one. I guess we may already be at some natural minimum there, since we humans are bound to make mistakes, right?
• How can I add my pregnant girlfriend to my cigna health insurances?  
  • Most insurance companys won't let you unless it is a spouse or child. best thing to do is contact yoru insurance compnay adn find out there policy. best of luck and congrads
  • Unless your company will cover domestic partners, you should marry.
• there are so many options for HEALTH INSURANCE PROVIDERS, can you recommend a good one?   I found plans from to 0 for myself (28 yr old male) both ppo and hmo but dont know which to choose... I curently pay 167/mo but there are no deductibles and such except small visit fees, and i also understand that Kaiser has good doctors (though i've only seen mine once, thank god) but i find that everyone pays a little less, and after looking at a bunch of pay plans I realized that I could pay about 0/mo and have a small deductible... now all i need is to choose good provider, like between UnitedHealthcare, Humana, Aetna, HealthNet, LifeWise, Celtic, Cigna, etc... Have you had any better encounters with one over the other? Thanks!!
  • Blue Cross
  • I have healthnet... the one that doesn't require referrals to specialists. The best plans are the ones that cover 100%. The 80 percent can really add up, plus, what an administrative nightmare if you have to go to the hospital with a zillion bills.

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