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	<title> &#187; california</title>
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		<title>5th and Latest Health Care Reforms</title>
		<link>http://www.toddshealthinsurance.com/5th-and-latest-health-care-reforms/</link>
		<comments>http://www.toddshealthinsurance.com/5th-and-latest-health-care-reforms/#comments</comments>
		<pubDate>Thu, 29 Oct 2009 17:30:34 +0000</pubDate>
		<dc:creator>Todd Fries</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[Los Angeles]]></category>
		<category><![CDATA[Ryan Grim]]></category>
		<category><![CDATA[Senate Finance Committee]]></category>

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		<description><![CDATA[The fifth, and latest, health care reform proposal was approved by the Senate  Finance Committee on Tuesday, October 13th.
The bill gives tax credits to low- and middle-class individuals and families  to help offset the expense of purchasing health insurance. It also expands  Medicaid. Its greatest strength, however, lies in its design to [...]


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		<title>To Vaccinate or Not to Vaccinate.  H1N1 in California</title>
		<link>http://www.toddshealthinsurance.com/to-vaccinate-or-not-to-vaccinate-h1n1-in-california/</link>
		<comments>http://www.toddshealthinsurance.com/to-vaccinate-or-not-to-vaccinate-h1n1-in-california/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 17:30:48 +0000</pubDate>
		<dc:creator>Todd Fries</dc:creator>
				<category><![CDATA[FAQ]]></category>
		<category><![CDATA[Medicine]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[H1N1]]></category>
		<category><![CDATA[Los Angeles]]></category>
		<category><![CDATA[swine flu]]></category>
		<category><![CDATA[Vaccination]]></category>
		<category><![CDATA[Vaccine]]></category>

		<guid isPermaLink="false">http://www.toddshealthinsurance.com/?p=248</guid>
		<description><![CDATA[More Americans died from the Influenza Pandemic of 1918 than were killed in  WWI, the Vietnam War, or in any hurricane in American history. There&#8217;s no cure  for H1N1 Virus-Swine Flu-and the normal, seasonal flu vaccine doesn&#8217;t offer  protection against infection from the new virus. One human sneeze can eject  billions [...]


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		</item>
		<item>
		<title>Are You About To Turn 65?</title>
		<link>http://www.toddshealthinsurance.com/are-you-about-to-turn-65/</link>
		<comments>http://www.toddshealthinsurance.com/are-you-about-to-turn-65/#comments</comments>
		<pubDate>Tue, 21 Jul 2009 17:00:50 +0000</pubDate>
		<dc:creator>Todd Fries</dc:creator>
				<category><![CDATA[FAQ]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Medigap]]></category>
		<category><![CDATA[Senior Citizen]]></category>

		<guid isPermaLink="false">http://www.toddshealthinsurance.com/?p=173</guid>
		<description><![CDATA[If so, you will soon be eligible to enroll in Medicare Parts A and B and therefore want to start  looking into a Supplemental Medicare or &#8220;Medigap&#8221;  insurance policy ASAP!  A Medigap policy is private Health Insurance that&#8217;s  designed to supplement Medicare.  It&#8217;s typically sold through the same carriers  that sell standard [...]


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		<title>Why Does My Health Insurance Premiums Keep Increasing and What Can I Do?</title>
		<link>http://www.toddshealthinsurance.com/why-does-my-health-insurance-premiums-keep-increasing-and-what-can-i-do/</link>
		<comments>http://www.toddshealthinsurance.com/why-does-my-health-insurance-premiums-keep-increasing-and-what-can-i-do/#comments</comments>
		<pubDate>Wed, 24 Jun 2009 06:08:37 +0000</pubDate>
		<dc:creator>Todd Fries</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[health insurance premiums]]></category>
		<category><![CDATA[Health Savings Account]]></category>
		<category><![CDATA[HSA]]></category>
		<category><![CDATA[increased costs]]></category>

		<guid isPermaLink="false">http://www.toddshealthinsurance.com/?p=137</guid>
		<description><![CDATA[Health insurance premiums rise primarily due to four  reasons:
1. Advances in medical technology means higher claims costs.
2. Price inflation for medical services is greater and exceeds inflation in  other sectors of the economy.
3. Health Insurance Costs shift from the uninsured and those receiving  Medicare and Medicaid over to the private sector
4. Consumer lifestyles, such [...]


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		<title>When Do I Need Maternity Health Coverage</title>
		<link>http://www.toddshealthinsurance.com/when-do-i-need-maternity-health-co/</link>
		<comments>http://www.toddshealthinsurance.com/when-do-i-need-maternity-health-co/#comments</comments>
		<pubDate>Tue, 05 May 2009 09:39:01 +0000</pubDate>
		<dc:creator>Todd Fries</dc:creator>
				<category><![CDATA[FAQ]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[maternity]]></category>
		<category><![CDATA[pre-existing condition]]></category>
		<category><![CDATA[pregnancy]]></category>

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		<description><![CDATA[I know I want to have kids, but I’m not actively trying right now. When do I need maternity coverage?
This is the number one question I’m consistently asked. The fact is, once your pregnant, insurance companies consider that a “pre-existing condition”.
Therefore if you:

Don’t currently carry maternity coverage on your health insurance plan before you become [...]


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		<title>Which is Cheaper, Group or Individual Health Plan?</title>
		<link>http://www.toddshealthinsurance.com/which-is-cheaper-group-or-individual-health-plan/</link>
		<comments>http://www.toddshealthinsurance.com/which-is-cheaper-group-or-individual-health-plan/#comments</comments>
		<pubDate>Sat, 02 May 2009 06:38:06 +0000</pubDate>
		<dc:creator>Todd Fries</dc:creator>
				<category><![CDATA[FAQ]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[Free consultation]]></category>
		<category><![CDATA[pre-existing condition]]></category>

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		<description><![CDATA[I&#8217;m self-employed and run a small business.  Is it less expensive to go with  group health insurance?
Usually the answer to that question is &#8220;no&#8221;.
The reason is, unlike individual health insurance, with a group plan you  cannot be declined for health insurance based on pre-existing health  conditions.  Therefore the premium reflects that, so [...]


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		<title>Do I Qualify for Health Care With Pre-existing Conditions</title>
		<link>http://www.toddshealthinsurance.com/do-i-qualify-for-health-care-with-pre-existing-conditions/</link>
		<comments>http://www.toddshealthinsurance.com/do-i-qualify-for-health-care-with-pre-existing-conditions/#comments</comments>
		<pubDate>Fri, 01 May 2009 10:27:23 +0000</pubDate>
		<dc:creator>Todd Fries</dc:creator>
				<category><![CDATA[FAQ]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[Free consultation]]></category>
		<category><![CDATA[pre-existing condition]]></category>

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		<description><![CDATA[Did you have health issues in the past?   Or are you currently taking prescription medications? Are you going to have trouble obtaining health insurance?
The fact is, when you apply for individual health insurance you have to go through medical underwriting, unlike group health insurance.  Therefore, you could be declined for a number of things including [...]


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