More About Health Care?

Posted by on Sep 1, 2010 in Health Insurance, Insurance, Life

Starting September 23rd, many changes to group health plans are being made in all the states, if they renew by that date or after. The Patient Protection and Affordable Care Act, more commonly known as the Federal Health Care Reform , has made it possible for many prevention services and tests to be available and covered in full.

The list of prevention services and tests could change, depending on the “issuance of further guidance from the federal government pursuant to the Affordable Care Act.” Also, “for POS and PPO plans, services are covered in full at the in-network benefit level. Out-of-network cost sharing remains the same.”


Some of the prevention services and tests are as followed:

– Autism Screening (for children at 18 and 24 months of age; primary care settings)

– Blood pressure screening (Adults, without known hypertension)

– Breast cancer screening, including mammograms and counseling for genetic susceptibility

– Cervical cancer screening, including pap smears

– Cholesterol screening (for adults only)

– Dental caries prevention – oral fluoride (for children to age 5 only) [Note: Coverage for fluoride is only provided if your Plan includes outpatient pharmacy coverage.]

– Depression screening (Adults, Children ages 12-18, primary care visits only)

– Diabetes screenings

– Hearing Screening (Screening for newborn only, primary care settings)

– Hepatitis B testing

– HIV screening

– Immunizations , including flu shots (for children and adults as appropriate)

– Osteoporosis screening (screening to begin at age 60 for women at increased risk)

– Ovarian cancer susceptibility screening

– Sexually transmitted diseases (STDs) – screenings and counseling


This information refers to products and services offered by Harvard Pilgrim Health Care and its affiliates, Harvard Pilgrim Health Care of New England and HPHC Insurance Company.

Read More »

Downey Insurance Supports the Make-A-Wish Foundation

Posted by on Aug 26, 2010 in Health Insurance, Insurance, Life

Just yesterday, the Downey Insurance Group made a donation to the Make-A-Wish Foundation in Vermont. This incredible cause helps make wishes come true for children who have life-threatening medical conditions. It not only gives them hope, but gives them courage to keep going.

In 1989, the Vermont chapter of the Make-A-Wish Foundation began, and since then, over 500 children and families lives have been affected. The mission of the  Make-A-Wish Foundation is truly inspiring and one that I hold dear to my heart.

My brother, who was diagnosed with ulcerated colitis at age two, was granted a wish from the Make-A-Wish Foundation. Usually, kids wishes are to go on a family vacation, or meet someone famous, but my brother instead chose to wish for a dog. The Make-A-Wish Foundation made that happen for him, and now we have the most wonderful dog. He has been with us for over ten years, and now, my brother is colitis free at age twenty.

With just a little donation, another child could have the chance for their wish come true too, and that is why it is important to give back. Downey Insurance recognizes this and has joy helping out the community. You can help too, if you make a donation to the Make-A-Wish Foundation, your gift could change the life of a child.

Read More »