State: California

Occupation: Insurance Agent

Many areas across the US have terminated PPO plans and offer more HMO plans. The result is when individuals or families travel out of State they are also Out of Network and subject to very …

The problems with health care are monumental, not only here in the United States, but throughout the world. No area is immune. The root causes for the problems are many and very complex. They run the gamut from poverty, to …

The land mines facing any medical director:

• Benefits restriction. In one of my plans we had regular meetings to determine what our highest costs were and how we could redesign benefits to control them).
• Exclusions, even those fabricated to justify