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	<title>WHIMGROUP.COM</title>
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	<link>http://whimgroup.com</link>
	<description>Western Heritage Insurance Marketing Group</description>
	<pubDate>Tue, 25 Mar 2008 22:16:50 +0000</pubDate>
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		<title>The Cost of Treating Cancer</title>
		<link>http://whimgroup.com/2008/03/25/the-cost-of-treating-cancer/</link>
		<comments>http://whimgroup.com/2008/03/25/the-cost-of-treating-cancer/#comments</comments>
		<pubDate>Tue, 25 Mar 2008 22:07:37 +0000</pubDate>
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		<category><![CDATA[News]]></category>

		<category><![CDATA[assurant health insurance]]></category>

		<guid isPermaLink="false">http://whimgroup.com/2008/03/25/the-cost-of-treating-cancer/</guid>
		<description><![CDATA[Below is an article from the Associated Press about the cost of treating cancer. Learn more about how to be covered with a plan that covers up to 8 Million by speaking with Western Heritage Insurance today.
Doctors to start presenting cost when discussing cancer treatment
By LAURAN NEERGAARD AP
Medical Writer 
WASHINGTON — You&#8217;ve just been diagnosed with [...]]]></description>
			<content:encoded><![CDATA[<p><span class="bodytext"><span class="byline">Below is an article from the Associated Press about the cost of treating cancer. Learn more about how to be covered with a plan that covers up to 8 Million by speaking with Western Heritage Insurance today.</span></span></p>
<h3><span class="bodytext"><span class="byline"><span class="headline">Doctors to start presenting cost when discussing cancer treatment</span></span></span></h3>
<p><span class="bodytext"><span class="byline"><em>By LAURAN NEERGAARD AP<br />
Medical Writer </em></span></span></p>
<p><span class="bodytext"><span class="byline"></span></span><span class="bodytext"><em>WASHINGTON — You&#8217;ve just been diagnosed with cancer, and the doctor is discussing treatment options. Should the cost be a deciding factor? </em></span><span class="bodytext"></span><span class="bodytext"><em>Chemotherapy costs are rising so dramatically that later this year, oncologists will get their first guidelines on how to have a straight talk with patients about the affordability of treatment choices, a topic too often sidestepped. &#8220;These are awkward discussions,&#8221; says Dr. Allen Lichter of the American Society of Clinical Oncology, which is writing the guidelines. &#8220;At least we can bring this out in the open.&#8221;</em></p>
<p><em>It&#8217;s a particular issue for patients whose cancer can&#8217;t be cured but who are seeking the longest possible survival and the best quality of life — and may be acutely aware that gaining precious months could mean bankrupting their families. The prices can be staggering. Consider: There are two equally effective options to battle metastatic colon cancer, the kind spreading through the body — but one costs $60,000 more than the other, says Dr. Leonard Saltz of Memorial Sloan-Kettering Cancer Center. </em></p>
<p></span><em>What&#8217;s the difference? The cheaper one, irinotecan, causes hair loss that makes it impossible for people trying to keep a job to hide their cancer treatment, he explains. The pricier oxaliplatin can cause nerve damage in hands and feet that might make it a worse option for, say, a musician or computer worker. </em></p>
<p><em>Saltz offers a tougher example: A drug for pancreatic cancer — an especially deadly cancer with few treatment options — can cost $4,000 a month. Yet while Tarceva has offered some people remarkable help, research suggests that extra survival on average is a few weeks. &#8220;Is it a good investment, a high-risk investment, or buying a lottery ticket?&#8221; is how Saltz puts these choices. </em></p>
<p><em>Drug prices are a growing issue for every disease, especially for people who are uninsured. But cancer sticker shock is hitting hard now, as a list of more advanced biotech drugs have made treatment rounds costing $100,000, or even more, no longer a rarity. Also, patients are living longer, good news but meaning they need treatment for longer periods. The cost of cancer care is rising 15 percent a year, Lichter notes. </em></p>
<p><em>Make no mistake: Some of these newer drugs have greatly helped some patients — Gleevec, for example, has revolutionized care for a type of leukemia — and the prices reflect manufacturers&#8217; years of research and development investment. </em></p>
<p><em>Also, drug companies do donate a certain amount of medication to prescription-assistance programs that provide them for free to patients who otherwise couldn&#8217;t pay. Since 2005, nearly 5 million people — cancer patients and people with other diseases — have been matched to such programs through the drug industry&#8217;s &#8220;Partnership for Prescription Assistance.&#8221; </em></p>
<p><em>But few patients get a Gleevec-style home run, and there&#8217;s very little research that directly compares competing treatments to guide cancer patients on which might offer the best shot at survival for the money. </em></p>
<p><em>&#8220;As long as a therapy provides a benefit, it will tend to be offered to patients. Whether it&#8217;s a small benefit or a moderate benefit, it may be offered with the same level of enthusiasm,&#8221; says Dr. Neal J. Meropol of Philadelphia&#8217;s Fox Chase Cancer Center, who is leading the panel writing ASCO&#8217;s new guideline on how to weigh treatment costs. </em></p>
<p><em>The idea: Treat cost essentially as another side effect to weigh in choosing a therapy. Meropol has watched patients do those calculations on their own, like the colon cancer patient who asked to switch from oral chemo to cheaper but more laborious intravenous chemo, or the woman who refused a pricey anti-nausea drug that would make her chemo more bearable. </em></p>
<p><em>Even if doctors want to discuss cost, they may not know it — it&#8217;s not included in treatment standards. At a meeting of the standard-setting National Comprehensive Care Network earlier this month, Sloan-Kettering&#8217;s Saltz and other doctors urged adding chemo prices to those treatment guidelines. </em></p>
<p><em>&#8220;If there&#8217;s a need to spend it, let&#8217;s talk about it. If we can do it just as well less expensively, I think doctors should know that and be able to make a decision,&#8221; Saltz says. </em></p>
<p><em>Even the well-insured are feeling the bite as patients are having to shoulder a higher portion of the bill. </em></p>
<p><em>When Medicare began its Part D prescription coverage, retiree Helen Geiger of Whiting, N.J., paid for a premium plan and put it to good use when she was diagnosed with multiple myeloma, a blood cancer. She said the plan listed the cost of her dose of Thalomid at $5,500 a month but her copay was $60 a month. </em></p>
<p><em>In renewing the prescription plan last year, the 71-year-old Geiger <u>didn&#8217;t notice that Thalomid coverage had been changed</u>. It now was classified a specialty drug, <u>costing a $1,051 monthly copay that she couldn&#8217;t afford</u>. She went several months without the anti-cancer pills, as her doctors at Philadelphia&#8217;s Fox Chase Cancer Center and her family appealed to the insurer and then scoured charities in hopes of finding her free or cheaper drug. </em></p>
<p><em>&#8220;You don&#8217;t need this kind of stress when you&#8217;re sick,&#8221; says Geiger, who finally stumbled onto a prescription assistance program that provided her free medicine.</em></p>
<p>The last line of this article says it all, &#8220;You don&#8217;t need this kind of stress when you&#8217;re sick.&#8221; That&#8217;s why Western Heritage Insurance offers Assurant Health where you can get up to 8 Million in Life Time Max of your policy.  Don&#8217;t settle for a plan that will limit or change on you.</p>
<p><a href="http://whimgroup.com/contact-us/">Call us</a> for more details about Assurant Health plans to give you the peace of mind you are looking for.</p>
<p><img src="http://whimgroup.com/wp-content/uploads/2008/03/assurant_health.gif" alt="assurant_health.gif" /></p>
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		<item>
		<title>KeyMed - Benefit Plan For Those With Medical Conditions</title>
		<link>http://whimgroup.com/2008/03/19/keymed-benefit-plan-for-those-with-medical-conditions/</link>
		<comments>http://whimgroup.com/2008/03/19/keymed-benefit-plan-for-those-with-medical-conditions/#comments</comments>
		<pubDate>Wed, 19 Mar 2008 17:24:05 +0000</pubDate>
		<dc:creator></dc:creator>
		
		<category><![CDATA[High Risk Plans]]></category>

		<category><![CDATA[High Risk Health Insurance]]></category>

		<category><![CDATA[Individual Health Insurance]]></category>

		<guid isPermaLink="false">http://whimgroup.com/2008/03/19/keymed-benefit-plan-for-those-with-medical-conditions/</guid>
		<description><![CDATA[ 
If you are ineligible for major medical insurance or are offered a plan that excludes coverage for specific medical conditions, KeyMed may be right for you. KeyMed can provide you with the coverage you&#8217;ve been looking for and the peace of mind you deserve.
KeyMed provides benefits for prescriptions, office visits, lab tests, x-rays, hospitalization, surgery, [...]]]></description>
			<content:encoded><![CDATA[<p> <img src="http://whimgroup.com/wp-content/uploads/2008/03/assurant_health.gif" alt="assurant_health.gif" /></p>
<p>If you are ineligible for major medical insurance or are offered a plan that excludes coverage for specific medical conditions, KeyMed may be right for you. KeyMed can provide you with the coverage you&#8217;ve been looking for and the peace of mind you deserve.</p>
<p>KeyMed provides benefits for prescriptions, office visits, lab tests, x-rays, hospitalization, surgery, and more. Network discounts are also included - at no additional cost - and are applied to covered charges even if benefit maximums are reached.</p>
<p>People with the following conditions are commonly eligible under KeyMed:</p>
<ul>
<li>Diabetes</li>
<li>Hemophilia</li>
<li>Heart Attack</li>
<li>Leukemia</li>
<li>Coronary Artery Disease</li>
<li>Crohn&#8217;s Disease</li>
<li>Parkinson&#8217;s Disease</li>
<li>Stroke</li>
<li>Ulcerative Colitis</li>
<li>Cancer (If not treated in the past year)</li>
</ul>
<p>States that currently can be quoted with KeyMed:</p>
<p>AL, AZ, CO, IA, IL, MI, MO, NC, OH, PA, SC, TN, and WI</p>
<p>Montana will be added to the list some time in the near future and we will update you when that takes place.</p>
<p><a href="http://whimgroup.com/contact-us/">Contact Us</a> if you would like to hear more about getting this type of coverage.</p>
]]></content:encoded>
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		<item>
		<title>Save 20 - 40% On Health Insurance For Your Small Business with an HRA</title>
		<link>http://whimgroup.com/2008/02/21/save-20-40-on-health-insurance-for-your-small-business-with-an-hra/</link>
		<comments>http://whimgroup.com/2008/02/21/save-20-40-on-health-insurance-for-your-small-business-with-an-hra/#comments</comments>
		<pubDate>Thu, 21 Feb 2008 23:45:27 +0000</pubDate>
		<dc:creator></dc:creator>
		
		<category><![CDATA[HRA's]]></category>

		<category><![CDATA[Get an HRA]]></category>

		<category><![CDATA[HRA]]></category>

		<category><![CDATA[HRA Info]]></category>

		<category><![CDATA[Small Business HRA]]></category>

		<guid isPermaLink="false">http://whimgroup.com/2008/02/21/save-20-40-on-health-insurance-for-your-small-business-with-an-hra/</guid>
		<description><![CDATA[There has been one theme that is growing the past few years and that is how expensive it is to provide health insurance if you are a small business employer. Western Heritage has heard of numerous stories about how employers can&#8217;t keep paying those hefty premiums for their group health insurance policies.
There is GOOD NEWS! [...]]]></description>
			<content:encoded><![CDATA[<p>There has been one theme that is growing the past few years and that is how expensive it is to provide health insurance if you are a small business employer. Western Heritage has heard of numerous stories about how employers can&#8217;t keep paying those hefty premiums for their group health insurance policies.</p>
<p>There is GOOD NEWS! Many small businesses are now looking into and doing HRA&#8217;s for providing health insurance for their employees.</p>
<p>What is an HRA?</p>
<p>HRA stands for Health Reimbursement Arrangement. This is an arrangement between the employer and employee on how much of the premium the employer is going to pay out for health insurance.</p>
<p>The following are benefits of doing and HRA:</p>
<ul>
<li>Employers save 20 - 40%</li>
<li>Tax Benefits for the employer</li>
<li>Employees get more options for their health insurance</li>
<li>Employees can take their health insurance with them without COBRA</li>
</ul>
<p>Give Western Heritage a call to get more information on how an HRA can benefit your small business @ 800-473-6968</p>
]]></content:encoded>
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		<title>Montana Health Insurance Family of Four ZERO Deductible: $319.89/Month</title>
		<link>http://whimgroup.com/2008/02/19/montana-health-insurance-family-of-four-zero-deductible-31989month/</link>
		<comments>http://whimgroup.com/2008/02/19/montana-health-insurance-family-of-four-zero-deductible-31989month/#comments</comments>
		<pubDate>Tue, 19 Feb 2008 16:12:45 +0000</pubDate>
		<dc:creator></dc:creator>
		
		<category><![CDATA[Montana Health Insurance]]></category>

		<category><![CDATA[find montana health insurance companies]]></category>

		<category><![CDATA[montana health insurance plans]]></category>

		<category><![CDATA[montana health insurance quote]]></category>

		<guid isPermaLink="false">http://whimgroup.com/2008/02/19/montana-health-insurance-family-of-four-zero-deductible-31989month/</guid>
		<description><![CDATA[Are you currently looking for insurance in Montana? Maybe you just moved to Montana and are wondering about health insurance rates, or maybe you have lived here all your life and your health insurance premiums are really high.
Western Heritage Insurance has a quote that is right for you and your family. Right now we have [...]]]></description>
			<content:encoded><![CDATA[<p>Are you currently looking for insurance in Montana? Maybe you just moved to Montana and are wondering about health insurance rates, or maybe you have lived here all your life and your health insurance premiums are really high.</p>
<p>Western Heritage Insurance has a quote that is right for you and your family. Right now we have a great plan that covers a family of four for only $319.89/month*. This plan includes $10,000 of accident and critical illness protection for your family that can wipe out your deductible leaving you with a ZERO dollar deductible in cases of critical illness and only $100 out of pocket on cases of accidents! It also comes with a 3 year rate GUARANTEE - how about that!</p>
<p>If this sounds good to you or you would like to know what other plans are available you may fill out a quote, or give us a call: 800-473-6968.</p>
<p>*plan based on preferred ratings, zero deductible on critical illnesses and $100 deductible on accidents. Quote is subject to change.</p>
]]></content:encoded>
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