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Health Care Reform Weekly Easytoinsureme Health Insurance Quotes

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Week of January 25, 2010

The sudden halt to health care reform’s steady march forward came as a shock to many who saw an upset win by Republican Senator-elect Scott Brown in Massachusetts as all but impossible. But if many took delight in the election outcome’s impact on health reform legislation, Aetna Chairman Ronald A. Williams made it clear in a New York Times story last week that the country still needs meaningful health care reform – reform that addresses access as well as affordability. Everyone benefits by health reform that gets at the factors driving soaring health care costs and the loss of coverage for so many Americans. While Congress thinks carefully about its next steps, Aetna will continue to support meaningful health care reform and continue to offer responsible solutions to legislative leaders.

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The election of Republican Scott Brown as the new senator from Massachusetts has derailed the Congressional health care reform train, less because Brown denies Democrats the 60th filibuster-proof vote, though that is certainly a major result, and more because it collapsed the Democratic political house of cards by highlighting the power of independent voters and the frustrated anti-incumbent mood of the electorate. Whether Democrats can regroup from this wake-up call will consume their leadership from now until the November off-year elections. How Democrats handle, and how Republicans respond to, health care reform in the short term and other key priorities – such as jobs, the economy, energy and security – over the rest of the session will underscore all Congressional decisions from now until the first Tuesday in November. In short, the 2010 elections started in earnest with Brown’s victory.

Once Democrats get past the shock of losing Kennedy’s seat, they will have to grapple with health care reform, one way or the other. The early favorites, including passing the Senate bill “as is” in the House, have been dropped for now as Democrats recognize the political cost of ramming through something unpopular propelled by political muscle only. Passing a smaller, less invasive and mostly Democratic bill has only a slightly better chance, as Republicans are not too likely to “crossover” quite yet. There is a growing interest in using reconciliation (the 51-vote tactic) down the road to pass a Democratic-only bill, once the House and Senate Democratic leadership can agree to a single bill. And, there is the outside chance that Democrats will see the Massachusetts election as an imperative to craft a bipartisan bill with Republicans that can secure 70-plus votes in the Senate. Wednesday’s State of the Union speech, followed by the party issues retreats later in the week, will go a long way toward determining which path will be pursued.

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Health Insurance Quotes Reform EasyToInsureME

The Senate began to slog its way through amendments (see below) last week in a process that promises to get harder, not easier. In the meantime, the debate continues as to whether the Senate bill

EasyToInsureME Health Insurance Quotes Reform Weekly

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President Obama indicated that he will visit Capitol Hill late this week to address House Democrats and encourage a final push towards health care reform legislation. While House leaders plan to hold a rare Saturday vote on their proposed measure, Senate leaders still await a CBO cost estimate.

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This week Senate lawmakers continued to debate numerous proposed amendments to Senate Majority Leader Harry Reid’s (D-NV) health care reform bill.

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Blasting Obama’s Individual Health Insurance Law Easy To Insure ME

Daniels argues the new laws place undue burden on state governments. He specifically criticizes the state-based exchange system expected to be implemented in 2014 under the new laws, and he lays out reforms to the system that he and 20 other governors have endorsed in a letter to Health and Human Services Secretary Kathleen Sebelius. “If there’s to be a train wreck, we governors would rather be spectators than conductors,” Daniels wrote. “But if the federal government is willing to reroute the

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Foster was asked to judge claims that the health law would “hold down costs.” Foster said he thought the claim was “false … more than true.” Critics of the overhaul seized on his comments as proof that they have been right — and proponents have been wrong — about the law’s fiscal impact. It’s a legitimate argument. Unlike the controversy over death panels, the issue of how much health reform will ultimately cost is both complicated and open to honest differences of opinion. And unlike, say, the

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Individual Health Insurance Plan Tips

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Individual health insurance plans are similar in many ways, finding the right one is the challenge. So when trying to find the best plan for you at the best price, seeking a professional is key. Finding a good broker is as easy as clicking the link to EasyToInsureME.com. All you will have to do is put in your basic information in the top right hand corner of the home page, and a professional will contact you within 24 hours. It is that easy. Easy to insure me on the web.

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Improved Health Insurance Quotes Makes Shopping Faster

Improved Health Insurance Quotes Makes Shopping Faster

Improved Health Insurance Quotes Makes Shopping Faster

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Improved Health Insurance Quotes Makes Shopping Faster

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Involving a health care change that affects all Americans, questions arise about what is going to happen next in America. With the new laws evolving everyday, many changes are occurring. Also, every state now varies on specific changes due to some states denying Obama Care and suing the federal government to protect residents. The states suing the federal government include Alabama, Arizona, Colorado, Florida, Idaho, Indiana, Louisiana, Michigan, Mississippi, Nebraska, Nevada, North Dakota, Oklahoma, Pennsylvania, South Carolina, South Dakota, Texas, Utah and Washington.

In the midst of confusion, health insurance shoppers need guidance on the recent changes and the medical plans available. The internet is a great source for knowledge and education regarding these issues. One specific site stands out amongst the rest on providing guidance and helping with purchases for individual health insurance.

Shopping online for health insurance quotes is much easier by using the free tools presented at the Easy To Insure ME website.

The National online health insurance brokerage recently improved the free tools available to make it easier for shoppers to compare and purchase health insurance online. In addition to the improvement, Easy To Insure ME offers a toll free hotline for assistance with purchases and questions about health care reform changes.

The site stands out because of the personal assistance offered in an online environment. To compare every plan instantly and decide amongst three hundred different choices a consumer would usually need the expert knowledge and help of a local broker to narrow down the options available. Easy To Insure ME automatically sends out a recommendation through email of four plans with the best benefits and lowest rates. This instantly narrows down three hundred plans down to only four and saves shoppers a car ride to a local broker and a lot of time.

In addition to emailing client specific recommendations, a friendly health expert will call to review the health insurance quotes and explain the benefits in an understandable fashion.

Visit http://www.EasyToInsureME.com/ today to meet a friendly advisor regarding recommended health insurance quotes.

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Online health insurance quotes are available on various web sites for all if you require a health insurance quote at the lowest possible price level . Online shopping has significant advantages when it gets to surfing for health care plans . Learn about the possibilities for your gain when it gets to arriving at health insurance quotes online

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As the 111th Congress (2009-2010) comes to a close, it passed, and the President has signed, a tax bill with multiple moving parts. The bill was part of an end-of-session deal forged by President Obama and Republicans, with little Democratic input. The bill preserves the Bush-era tax cuts

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Tips on Getting Cheaper Medical Health Insurance Quotes

Tips on Getting Cheaper Medical Health Insurance Quotes

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Tips on Getting Cheaper Medical Health Insurance Quotes

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Medical expenses have already touched the sky and are still rising. This has made health care insurance a necessity. Medicare supplemental insurance is designed for people on Medicare who wish to have more comprehensive coverage. These supplemental plans may include Managed Care HMO plans or Medigap PPO plans that provide you with greater access to participating physicians. Medical terms can be confusing, and before speaking with an insurance agent, you should make sure you understated his or her language.

Medical insurance premiums are a result of careful consideration by medical insurance companies and are regulated by every state. Premiums can vary depending on the type of coverage, amount of the deductible, and benefit coverage.

Individual, or family, health insurance is also commonly known as personal health insurance or private health insurance . Most insurance companies offering this product will refer to it as individual health insurance. Individuals, families, self employed, student, small and large group. Traditional major medical, health savings accounts and temporary medical coverage. Individuals, families, self employed, student, small and large group. Traditional major medical, hospital, health savings accounts, temporary and short term medical coverage.

Choosing insurance in your state can be a difficult process. There are many companies to choose from and many plans within companies. Choose the right health plan based on what you want. If you have a certain doctor that you can’t bare not to see then a free-for-service plan is probably for you. Choose an individual health plan to find the cheapest health insurance coverage for the best value.

Within minutes, you can determine your eligibility, the type of plan you want and they will give you immediate quotes. Within minutes, you can receive an online health insurance quotes for life insurance and dental plans from America’s leading insurance companies. This unbiased approach to selecting a benefit package now allows you to customize your insurance quote, select the company of your choice with the benefit plan features and price that fits your situation and budget.

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February 17, 2010

The Week in Health Reform–Federal Legislative Overview

House and Senate
Things were quiet last week in Washington due to the 30 plus inches of snow the area received. On Feb. 9 House leaders announced that due to the heavy snow in the area they would suspend votes in the House for the remainder of the week. Congress will not be in session this week due to the President’s Day recess and will reconvene the week of Feb. 22.

As a result of the congressional schedule, the timeframe for a floor vote on the McCarran-Ferguson antitrust legislation will be pushed back until the week of Feb. 22 at the earliest. Reports have stated that the antitrust bill is part of House Speaker Nancy Pelosi’s (D-CA) strategy of moving smaller pieces of health care legislation quickly to help build momentum for a comprehensive health care reform bill. The Speaker also continues to urge House Democrats to pass the Senate bill as long as it is accompanied by a separate “reconciliation” bill that would “fix” key provisions in the Senate bill (e.g., raising the threshold for the Cadillac tax and dropping the Nebraska Medicaid provisions) to satisfy some members of her caucus.

The Senate remained in session last week, despite the weather, although Majority Leader Harry Reid (D-NV) stated that the Senate would not conduct any votes. On Feb. 11, Finance Committee Chairman Max Baucus (D-MT) and Ranking Member Charles Grassley (R-IA) released the highly anticipated “jobs bill” – The Hiring Incentives to Restore Employment (HIRE) Act.

Senators Baucus and Grassley issued a joint statement, emphasizing that this bill was drafted with bipartisan input. They further stated: “We also agree that, once properly reviewed, the package should be considered in a deliberate, but expeditious manner. Any efforts to needlessly delay Senate completion of consideration of this package through partisan means will undermine our goal of timely action in the current economic climate. Action on the expired provisions is long overdue. Timely action on incentives for economic activity and job creation also is needed.”
Hours after details of the “HIRE” legislation were released, Majority Leader Reid publicly stated that he was scrapping the bill. Reid told reporters that when the Senate returns from its recess on Feb. 22, “we will move to a smaller package than has been talked about in the press.” Reid went on to state that some of the tax provisions included in the legislation – key to garnering Republican support for the deal – “confuse” the bill. Reid went on to say that, “we don’t have a jobs bill. We have a jobs agenda.”

The draft “HIRE” legislation addresses a number of key health care issues:

* The bill extends, by three months, the eligibility period for premium subsidies for state continuation coverage and COBRA continuation coverage to include persons who are unemployed on or before May 31, 2010. The bill also clarifies that these subsidies are available to persons who are involuntarily terminated from their jobs after previously losing their employer-sponsored coverage due to a reduction in hours. The premium subsidies originally were enacted as part of the American Recovery and Reinvestment Act of 2009, also known as the “stimulus bill.”

* The bill provides for a seven-month Medicare physician payment fix (sometimes known as the “doc-fix”), maintaining physician payment rates at their current levels through Sept. 30, 2010. Under current law, in the absence of congressional action, physicians are scheduled to face a steep rate reduction on March 1.

* The bill provides for a one-year extension of both Medicare Advantage Special Needs Plans (section 626) and Medicare Cost Plans (section 627).

* The bill includes numerous provisions addressing Medicare fee-for-service reimbursement issues.
White House Health Care Reform Summit
In a pre-Super Bowl interview on CBS, President Obama said that he would like to host a televised health care summit with Republican and Democratic congressional leaders on Feb. 25. While specific details are not yet available, the summit represents the Obama Administration’s latest strategy to jumpstart the health care reform debate and seeks bipartisan cooperation following the loss of the Democrats’ supermajority in the Senate. Republican leaders expressed interest in the summit, and House Republican Leader John Boehner (OH) issued a statement saying that, “The best way to start on real, bipartisan reform would be to scrap those bills and focus on the kind of step-by-step improvements that will lower health care costs and expand access.” In response, White House officials insisted that the President is not interested in starting from scratch on health reform.

This week Democratic and Republican congressional leaders also met with President Obama at the White House to discuss the jobs bill, health reform, energy, trade and other legislative priorities.

Following the meeting, the President spoke with reporters and he made the following comments about health reform: “I’m going to be starting from scratch in the sense that I will be open to any ideas that help promote these goals. What I will not do, what I don’t think makes sense and I don’t think the American people want to see, would be another year of partisan wrangling around these issues; another six months or eight months or nine months worth of hearings in every single committee in the House and the Senate in which there’s a lot of posturing. Let’s get the relevant parties together; let’s put the best ideas on the table. My hope is that we can find enough overlap that we can say this is the right way to move forward, even if I don’t get every single thing that I want.

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Find The Best Texas Health Insurance Quotes

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Article Source: http://www.articlesbase.com/ – Find The Best Texas Health Insurance Quotes

One cannot deny the importance of having a health insurance in today’s times where incidences of illnesses and diseases are constantly on the rise. This is applicable for all regions around the world and Texas is no exception. This need to have a health insurance becomes even more essential if you are forced to visit any doctor for an illness of any magnitude or nature and are unable to pay the medical bill. Once you realize the importance of procuring cheap health insurance Texas for you and your family, you must do some research in terms of the best Texas health insurance quotes that are provided by insurance companies in this region.

It is true that every health insurance policy has its own set of advantages and disadvantages. It is quite difficult to find something that would be the ideal choice for you and your family. Yet it always better to make an informed decision rather than an ignorant one. If you are looking for the best Texas health insurance quotes in order to procure cheap health insurance Texas, you should first know that are two basic plans or policies for health care that you can consider opting for. These are broadly classified into the ‘Fee-for-Service’ plans and the ‘Managed Care Health’ plans.

The plans falling under the category of Managed care essentially function through a network of reputed doctors. This entails that you will receive medical coverage if you visit any hospital or doctor that is mentioned in the list of this plan’s network. On the other hand, the plans belonging to the category of fee-for-service or indemnity plans, give you the liberty to visit any hospital or doctor of your individual choice or preference. These plans are more expensive but provide greater flexibility to the patients. Thus, before obtaining Texas health insurance quotes in order to locate cheap health insurance Texas, you should select the type of insurance that will suit you best.

To obtain cheap health insurance Texas, you can also consider ordering Texas health insurance quotes online. If you do some research online, you will find countless websites that advertise prices and quotes of different heath plans that their company offers. You will not only find details about the various prices and plans, but also be provided with guidance in terms of the most feasible and suitable option for your individual requirements. You can consider ordering brochures of the best insurance companies and make a comparison between their co-payments, deductibles, coinsurance, premiums, preventive care, diseases they seek to cover and the coverage that they will provide in the case of prescription drugs.

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Jan 28, 2010

Getting Around Pre-existing Conditions When it Comes to Texas Health Insurance

Having a pre-existing condition can make getting health insurance in Texas very complicated. Unfortunately, some companies will not give you insurance at all if you have a pre-existing condition. Even if you are lucky enough to get the insurance, you will get it at a much higher rate and with…

By:
Jordan FeRossl
Financel
Dec 17, 2008
lViews: 117

Looking For Texas Health Insurance Plans

There are many options available for a person looking for Texas health insurance plans. Texas may have the highest amount of people uninsured but this has less to do with the amount of plans than with the general poverty level of the state.

By:
Ronnie Hamiltonl

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Insurancel
May 13, 2009

Simple Ways for Buying New York Car Insurance Coverage

If you are a car owner in the New York City, it is essential to look for the options for buying auto insurance coverage, which is important and a compulsory formality.

By:
Alexeil

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Nov 23, 2010

Insurance offers broad safety net

Insurance offers broad safety net. Obviously, this defines nearly every business endeavor, which is why liability insurance is a basic aspect of good business.
Many times, signing up for professional liability insurance goes beyond peace of mind for massage therapists and bodyworkers. In some places, possessing your own liability insurance is actually required in order to practice as a massage therapist or bodyworker. Most of the major massage franchises, for example, require that their hands-on

By:
manny liriol

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Nov 23, 2010

Answers to FAQ on Wall Removal

When planning to create a more open area in your home by removing a wall, you may wonder if you can just start knocking it down with a sledgehammer, as you have probably seen done on television home makeover shows.

By:
William Daviesl

Finance>
Insurancel
Nov 23, 2010

Avoid the Worst That Winter Can Do to Your Car

Winter’s coming. The weather outside will soon be frightful and that means that your car needs special attention.

By:
William Daviesl

Finance>
Insurancel
Nov 23, 2010

Tips for Riding Your Bike This Winter

When it comes to riding a motorcycle, many people opt out of doing so in the winter.

By:
William Daviesl

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Nov 23, 2010

Risks and Health Insurance Premium

People are naturally afraid of risks, because these events are fortuitous that can take a heavy toll on their physical, psychological, and financial capacities. Mathematically, the probability of risks can be calculated. However, at best, the geniuses can only reach an estimate, and never a fixed forecast.

By:
Adrian D. Straussl

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Insurancel
Nov 23, 2010

Essentials of Health Insurance Premium

Medical insurances that the government provides are for persons with disabilities and for the aging citizens. The qualifications are rather limiting; nevertheless, it has its set of benefits.

By:
Adrian D. Straussl

Finance>
Insurancel
Nov 23, 2010

About Health Insurance Premiums

When one engages in any type of insurance as a policyholder, he or she is doing what economists call risk management. In order to hedge oneself from a certain risk—fortuitous or otherwise—a premium is paid to another entity that will indemnify when it does happen by pooling together resources.

By:
Adrian D. Straussl

Finance>
Insurancel
Nov 23, 2010

5 Ways to Lower Your Health Insurance Premium

With the higher cost of living these days, lowering your health insurance premium can benefit almost everyone. Fortunately, it doesn’t have to be an incredibly difficult task. All it takes is a little bit of time, effort and of course a fair amount of research. Here are a few pointers to get you closer to lower rates and a fatter pocket book.

Health Insurance Reform Weekly Easy To Insure ME

Finance>
Insurancel
Nov 22, 2010

State budget problems are so dire and rising health care costs so worrisome that some states are considering what may have been unthinkable just a year or two ago — opting out of the federal Medicaid program. The New York Times reported last week that Texas (see below) and a handful of other states are considering doing exactly that, especially given that federal health care reform will expand (as of 2014) the number of residents who are eligible for the state-administered health care program.

Pennsylvania residents could lose health insurance

Finance>
Insurancel
Nov 19, 2010

“If money were to be taken from the General Fund, that would require legislative action. And, of course, there’s not a lot of excess money in the general fund right now, to put it mildly. Or, if funds were to be transferred from some other source, that would most likely require legislative action to approve some sort of fund transfer, assuming one could even be identified.”

Affordable Health Insurance Quotes

Finance>
Insurancel
Nov 19, 2010

There are quite a lot Americans who are living without health insurance today. It is not a proud thing to admit, but the government is trying to do things to help them. The death toll is high enough, and medicine is expensive, so you do need to sort something out. You don’t have to wait for the government if you can get it yourself. And many times it is actually available at a much cheaper price then you may imagine

50 million Americans have no insurance

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Nov 12, 2010

A report released this week by the federal Centers for Disease Control and Prevention calculates that 50 million Americans ages 18 to 64 and surveyed between January and March went without health insurance for at least part of the past year. More than half of them had no usual source of medical care.

health insurance costs for 2011 include higher premiums and co-payments

Finance>
Insurancel
Nov 12, 2010

The selection is likely to be even less appealing this year than last. According to experts and industry insiders, recent trends suggest rates will continue to rise and employers will continue to shift more of the cost of health insurance onto workers – asking them to shoulder a larger share of premiums, for instance, or increasing out-of-pocket costs such as deductibles and co-pays

Health care law adds premium costs

Finance>
Insurancel
Nov 09, 2010

Here’s a line that American workers have heard every year for more than a decade: Health insurance costs are going up again — a lot more than inflation and pay raises

Individual Health Insurance Plans FAQ

Finance>
Insurancel
Nov 09, 2010

Most major medical plans require a deductible be paid before they pay out. Additionally, after the deductible has been met, you can expect coverage to be about 80% of the total medical expense incurred. Another feature of major medical plans is that they tend to have high maximum limits- from about 0,000 to Million. Moreover, major medical plans usually cover a wide range of medical costs including prosthetic limbs, x-ray/lab services and prescription drugs, for example

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Nov 08, 2010

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Texas Health Insurance

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Wednesday, November 24th, 2010 Dentist No Comments

Health Insurance Quotes Reform Obamacare & Buying Individual Health Insurance

Health Insurance Quotes Reform Obamacare & Buying Individual Health Insurance

JANUARY 29, 2010

This Week in Health Care Reform

Following the election of Republican Scott Brown to the Massachusetts State Senate last week and the resulting loss of Senate Democrats’ supermajority, lawmakers continue to pave the way for health care reform – with limited progress. In addition, polls indicate that the public would rather lawmakers focus more on the economy than on health care.

State of the Union Address

President Obama Gives State of the Union Address: On Wednesday evening, President Barack Obama delivered his first State of the Union address before a joint session of Congress. Having hoped to have a health care reform bill on his desk prior to his address, the President instead used his speech to encourage Congress to push forward on health care reform. Yet, he did not give specific guidance as to how to proceed with the legislation. Instead, he made it clear that his primary focus would be on jobs and the economy.

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Health Insurance News

Health Care Reform Negotiations

Democrats Still Seek Way Forward: While vowing not to give up, Democratic Senate leaders indicated Tuesday that they no longer felt pressure to move quickly on health care reform; and, in the wake of the Massachusetts election and in reaction to public opinion, they shifted focus to jobs and the economy. Senate Majority Leader Harry Reid (D-NV) commented that there is “no rush” on health care and said that he and Speaker of the House Nancy Pelosi (D-CA) were working to map out a way to complete health care reform in the coming months. On Wednesday, Sen. Pelosi floated a two-pronged strategy to pass incremental changes now and pursue comprehensive reform later.

Some lawmakers have considered breaking up the legislation into smaller pieces that have bipartisan support. However, this option will prove challenging given the complexities and interdependencies of the measures. For example, lawmakers would like to include a measure that requires all insurance companies to insure those with pre-existing conditions; however, premiums will most likely increase unless there is an individual mandate.

Earlier this week, Democrats appeared to be coalescing around a different strategy through which Senate lawmakers would make changes to their bill to appease members of the House. The Senate would then pass the revised bill via reconciliation, which only requires 51 votes. Following that, the House would approve the revised bill, giving it to President Obama for his review. However, movement on this strategy stalled Tuesday when two centrist Senators, Sens. Evan Bayh (D-IN) and Blanche Lincoln (D-AK), indicated that they would oppose using reconciliation to bypass Republican support. Others, including Sen. Joe Lieberman (I-CT) and Sen. Dianne Feinstein (D-CA), have suggested a “time out” on health care reform until there is a clear path forward.

In the GOP response to President Obama’s State of the Union address, Virginia Governor Robert McDonnell said that Republicans share the Democrats’ desire for health care reform, but do not agree with their proposed solutions. Republicans suggest that Democrats scrap the current proposals and start over with more Republican input on issues such as medical malpractice reform and selling insurance policies across state lines.

Republicans Call for Transparency: On Wednesday, the House Energy and Commerce Committee marked up a resolution presented by Rep. Michael Burgess (R-TX) which requested that the administration divulge documentation regarding the health care reform deals made with trade associations and a labor union. Committee Chairman Henry Waxman (D-CA) said that while details remained to be worked out, he would support a narrowed version of the Republican request for White House records.

President Obama to Speak with House Republicans: President Obama will meet with House Republicans on Friday in response to an invitation to speak at their annual retreat in Baltimore that begins Thursday and ends Saturday. The meeting comes just after the President’s State of the Union address, and members of the news media speculate that the meeting may spur more bipartisanship or potentially lead to even more tension between the two parties.

Interest Groups Call for Reform: With health care reform’s fate in jeopardy, interest groups have voiced their support, encouraging Democrats to push forward with legislation. The AARP, American Cancer Society Cancer Action Network, Consumers Union, Families USA and Service employees International Union sent a joint letter last Thursday urging Congress not to abandon comprehensive health care reform. Further, the United States Conference of Catholic Bishops also sent a letter to Congress urging a push for reform.

Public Opinion

Polls Show Concern with Health Care Reform; More Focus on Jobs and Economy: Several polls were released this week that highlight the public’s disenchantment with health care reform and anxiety around the struggling economy.

A new CNN/Opinion Research poll released Tuesday shows that only three in ten Americans say they want Congress to pass legislation similar to the bills currently being discussed in Congress. Forty-eight percent of Americans would like lawmakers to start again on a new bill, and 21 percent believe Congress should not work on bills that would change the current health care system. Further, a Wall Street Journal/NBC poll released Wednesday found that 51 percent of Americans believe President Obama has paid “too little attention” to the economy and that 44 percent feel he has paid “too much attention” to his proposed health care overall.

In addition, a new USA Today/Gallup poll released late last week finds that most Americans call for a more bipartisan effort in health reform. A 55 percent majority of Americans say that President Obama and Congressional Democrats should suspend movement on health care reform and consider alternatives that would increase Republican support.

A poll released last weekend by the Washington Post , Henry J. Kaiser Family Foundation and Harvard University’s School of Public Health indicated that dissatisfaction with the direction of the country, including the Democrats’ health care reform proposals, drove the outcome of the Massachusetts election. The post-election survey of Massachusetts state voters showed that overall 43 percent say they support the health care reform proposals advanced by President Obama and Congressional Democrats, while 48 percent oppose them.

A new poll released Monday from the Robert Wood Johnson Foundation found that fears regarding the health care reform package increased significantly in December as members of the Senate finalized their bill. Thirty-three percent of respondents said they believed their access to care would worsen if the legislation passed, up from 25 percent in November. Forty-two percent said the country’s finances would suffer under reform, compared with 34.6 percent in November.

Looking Ahead

Next week, the President will present his Budget to Congress (which includes health programs), after which Congressional hearings will commence. We expect health reform to be discussed in these sessions. While there remains no clear path forward for health care reform, Congressional leaders will continue to work to find a solution.

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Monday, August 23rd, 2010 Dentist No Comments

Health Insurance Reforms Easy To Insure Me Health Insurance Quotes

Health Insurance Reforms Easy To Insure Me Health Insurance Quotes

President Obama’s Health Insurance Bill

President Obama Releases New Health Care Proposal in Time for Health Summit: On Monday February 22, 2010, White House officials unveiled a new health insurance reform overhaul that builds on the Senate version passed last Christmas Eve, with some changes aimed at pleasing House Democrats who had concerns with the Senate bill. The President’s proposal does not include the public option, despite the hopes of Senate Democrats, due to White House concerns that the provision will hinder passage in the Senate. President Obama ignored requests by Republicans to scratch the Democratic plan and start over. As such, Republican leaders questioned Democratic motives and labeled the bill as a massive government takeover of America’s health care system.

Republicans Insist House Democrats Don’t Have the Votes to Pass Legislation: Minority Whip Eric Cantor (R-VA) announced on Wednesday that Democrats don’t have the necessary votes to pass the President’s proposal in the House because of three new House vacancies and lagging support among some moderate Democrats. At issue for some Democrats are weaker abortion provisions in the President’s proposal as well as the ongoing controversy over passing a bill by a simple majority, a process known as reconciliation.

Health Care Summit Preview

On Thursday, the President’s Health Care Summit began at 10:00 a.m. with opening comments from the President, followed by remarks from both Republicans and Democrats. The discussion centered on four themes: controlling health care costs, overhauling the insurance market, reducing the deficit and expanding insurance coverage. Prior to Thursday, several top Republicans and some Democrats stated that expectations were extremely low for the Summit’s success.

House Republicans arrived armed with their own version of a health care bill that encourages small businesses to join together to buy insurance, gives federal money to states to run high-risk pools for those unable to obtain private insurance and limits damages in medical malpractice lawsuits. The Republican plan would cost billion and cover three million people over ten years. In contrast, President Obama contends his plan would cost 0 billion and cover 30 million people over the same time period. However, officials at the Congressional Budget Office (CBO) indicated they would not be able to officially score the President’s proposal with just a summary – that legislative language is needed.

Note: A full summary of the results from the Health Care Summit will be included in next week’s newsletter

Additional Activities

WellPoint Executives Defend Premium Increases: On Wednesday, the House Energy and Commerce Subcommittee on Oversight and Investigations held a hearing to examine the proposed health insurance premium increases by Anthem Blue Cross in California. Anthem, a WellPoint subsidiary, recently informed subscribers in California that premiums for individual insurance policies would be raised an average of 25 percent, with some rates going up as much as 39 percent. Angela Braly, president of WellPoint , said the premium increases were justified by soaring medical costs, and that pending legislation could make the problem worse, driving up costs further for young, healthy people.

“Raising our premiums was not something we wanted to do,” Ms. Braly said . “But we believe this was the most prudent choice, given the rising cost of care and the problems caused by many younger and healthier policyholders dropping or reducing their coverage during tough economic times. By law, premiums must be reasonable in relationship to benefits provided, which means they need to reflect the known and anticipated costs they will cover.”

In Sacramento , Leslie Margolin, president of Anthem Blue Cross in California, also testified before lawmakers, joined by vice president and general manager James Oatman. The focus of that hearing was also the proposed premium increase for California members in the individual market, with company executives pointing to the current economic climate and rising health care costs as reasons for the rate hikes.

U.S. House of Representatives Repeals Antitrust Exemption from Health Insurance Companies: On Wednesday, the House of Representatives voted 406-19 in favor of repealing a 65-year-old antitrust exemption from health insurance companies. Democrats said the repeal would lead to increased scrutiny of the industry. Yet, the non-partisan Congressional Budget Office said last year that repealing the exemption would not significantly reduce premiums because states already investigate health insurance companies.

In addition, industry executives pointed out that legislation could further hinder competition and the ability to share information to improve health care quality. “Health insurance is one of the most regulated industries in America at both the federal and the state levels,” said Karen Ignani, president and chief executive of America’s Health Insurance Plans (AHIP). “The real focus should be on addressing the rising cost of medical care, which is putting an unsustainable burden on families, employers and the federal budget,” she said.

Public Opinion

Polling Suggest Health Care Reform is Still Key to Economic Recovery: Recent polling on health care reform shows mixed reaction among the public over the proposed legislation. According to a recent CNN poll, 48 percent of those questioned said lawmakers should work on an entirely new bill and 25 percent felt that Congress should stop work on health care reform altogether.

According to the monthly poll from the nonpartisan Robert Wood Johnson Foundation, 75 percent of Americans still think it’s important that Obama include health care reform in addressing the nation’s economic crisis, while many still harbor doubts about the legislation.

When asked how health care legislation relates to their economic situation:

* Nearly 31 percent said they thought the Democratic bills would make their personal financial situation worse, compared with 10 percent who said it would improve their family budgets.
* Forty-two percent said the nation’s fiscal condition would suffer because of the legislation, compared with 26 percent who said it would get better.
* Americans were divided on whether the Democrats’ approach would improve overall access to health care around the country, with 35 percent saying it would and nearly that many disagreeing.

Health Insurance Coverage Varies Widely Based on Age: Coming just before the President’s Summit on Health Care Reform, a newly released Gallup Poll reinforces the wide degree of variability in health insurance coverage across U.S. population segments, especially when it comes to age. Eighty-four percent of 18-year-olds have health insurance, most likely because they are still covered under their parents’ policies. By age 22, health insurance coverage reaches its lowest point, with just 66 percent maintaining coverage. From age 22 on, the percentage of Americans with health insurance begins to climb, albeit slowly, reaching the 95 percent level at age 65 when Medicare becomes an option.

Looking Ahead

Legislators need to determine next steps for health care legislation coming out of the President’s Health Care Reform Summit. On Wednesday, Department of Health and Human Services Secretary Kathleen Sebelius invited executives from the top five insurance companies to meet at HHS to discuss their companies’ insurance premiums.

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Friday, August 20th, 2010 Dentist No Comments

Health Insurance Reform From Easytoinsureme Health Insurance Quotes

Health Insurance Reform From Easytoinsureme Health Insurance Quotes

Federal

Owing to multiple blizzards in Washington, Congress started its President’s Day recess a full week early and conducted no official business last week. However, there was some legislative drama as Senate Majority Leader Harry Reid pulled the rug out from under Finance Committee Chairman Max Baucus by scrapping the Baucus jobs bill (without warning), which contained many health insurance items, and replacing it with a stripped down, narrow jobs bill. Whether the health items Baucus originally inserted with Republican help will make it back to the table remains fuzzy. Among the health items that have been dropped are: the COBRA eligibility extension (to May 31); the “doc fix” (to October, 2010) of Medicare reimbursement rates; and the favorable statutory direction to CMS to calculate the 2011 Medicare Advantage rates “as if” the doc fix were in place.

States

California health insurance The Office of Patient Advocacy released a report card on the state’s HMOs last week. Aetna received 3 out of 4 stars. The goal of the report card is to allow consumers to compare how well health plans use personal medical records and help address conditions such as asthma, arthritis and diabetes.

COLORADO: Governor Bill Ritter held a press conference to announce what he calls “the next round of reforms that represent common sense.” His legislative package includes bills to preclude insurance companies from charging different rates due to a person’s gender, ensure that women have access to breast cancer screening, assure plain language is used in insurance forms, standardize insurance applications and explanations of benefits, and encourage greater use of online tools to enroll people in public programs. Apart from the Governor’s proposals, a bill that would establish a public option was also introduced.

CONNECTICUT: In a short legislative session of only three months, the Insurance & Real Estate Committee wasted no time in putting forth an agenda that includes many concept drafts for repeat legislation from previous sessions. These include prohibiting health insurance copayments for preventive care, limiting prescription drug copayments, prohibiting Social Security disability payment offsets, and exempting the Municipal Employees Health Insurance Plans from the premium tax on small group premiums. In addition, the committee reintroduced legislation that includes nearly a dozen new health benefit mandates. The Council for Affordable Health Insurance, an independent think-tank, says that health insurance mandates could increase premiums in Connecticut by more than 50 percent overall.

GEORGIA: A bill was proposed last week that would impose significant restrictions on insurers’ ability to rescind health insurance policies. Aetna, through the Georgia Association of Health Plans and AHIP, met with the legislator sponsoring the bill to express concerns with the bill.

INDIANA: The legislative session is at halftime, and the insurance agenda is now limited. Most insurance issue bills are officially dead, including a bill that would have prohibited health plan provisions requiring a contracted provider to accept more than a certain number of patients; coverage for dialysis treatment regardless of whether the facility is contracted or not and without certain benefit restrictions; and a bill that would have allowed out-of-network assignment of benefits. However, Aetna is expecting that a bill requiring insurer and HMO annual reporting of premium cost composition, including administrative costs, may be resurrected. A bill that restricts dental insurers and HMOs from establishing fee schedules for non-covered services passed the Senate, with our amendment to accommodate most of the key concerns expressed by opponents of the bill. As the bill stands, dental insurance plans may impose fee schedules for covered services, regardless of whether the plan actually pays for the services rendered.

KANSAS: An amended version of S.B. 389 related to dental services passed the Senate Financial Institutions and Insurance Committee on February 11. The amended bill prohibits any contract between a health insurer that offers a health benefit plan and a dentist from containing a provision that requires the dentist to accept a fee schedule for services unless the service is a covered service. Committee amendments added to the definition of a “health benefit plan” the following: any subscription agreement issued by a non-profit dental service corporation; any policy of health insurance purchased by an individual; the state children’s health insurance plan; and the state medical assistance program under Medicaid. We will continue to update you as this bill progresses and hope to make favorable changes as the bill moves through the House.

MASSACHUSETTS: Governor Deval Patrick filed a 40-page bill that proposes giving the insurance commissioner the power to hold public hearings on rate adjustments and essentially cap health care price increases. Rate increases for individuals would be held to the rate of medical inflation; those sold to employers with 50 or fewer workers could not exceed one and a half times the level of medical inflation. The legislation would also impose a two-year moratorium on any new health benefit mandates. Legislative leaders praised the intent of the governor’s plan but declined to promise support. Strong opposition is expected from medical provider groups. The Governor simultaneously announced emergency regulations to take immediate effect that will require health insurers to submit proposed small business rate increases for review by the state 30 days before they take effect. Several other proposed provisions include a requirement that insurers offer at least one coverage plan with a limited network of health care providers costing at least 10 percent less than health plans with access to more physicians. The Massachusetts Association of Health plans is lobbying in support of a bill introduced by Senate Insurance Chair Richard Moore that would create a cheaper health insurance product for small employers by capping payments to providers at just 10 percent above Medicare rates. The Massachusetts Medical Society is against that proposal.

MISSOURI: An autism coverage mandate bill was amended and “perfected” by the Senate and then sent to the Government Accountability and Fiscal Oversight Committee from which it must emerge before returning to the floor of the Senate. In addition to two mandate-related amendments, a third amendment to the bill allowing for limited cross border sales of health insurance also passed. In its current form, the bill contains a mandated offering of the coverage in the individual market. Coverage is limited to treatment ordered by a licensed physician or psychologist whose treatment plan the carrier is entitled to review every six months. Coverage for applied behavior analysis (ABA) is limited to ,000 annually (down from the ,000 as introduced) for persons under age 21. Meanwhile in the House, a bill containing significant language relating to the credentialing of autism service providers also passed. The bill also contains a mandate to offer coverage in the individual market and to groups of fewer than 25. Groups of 25 to 50 would be entitled to an exemption from the mandate if they could demonstrate an increase in premiums tied to the mandate. The bill limits annual coverage of ABA (,000 for children ages 3-9; ,000 for children ages 9-21). Aetna will continue to monitor the status of these mandates, but it appears fairly clear at this point that something will pass on the issue of autism.

NEW JERSEY: Last week Governor Chris Christie declared a fiscal state of emergency calling a special session of the legislature to lay out his plan for dealing with state’s current .2 billion budget shortfall. His plan calls for significant cuts or eliminations across 375 state programs and withholding 0 million of state education aid. Of note on the program side is a .6 million reduction in Charity Care funding to hospitals, which pays for care to uninsured residents. In legislative action, the Assembly Financial Institutions and Insurance Committee held a three-hour public hearing on out-of-network reimbursement. Much of the hearing focused on the markedly higher billing practices of ambulatory surgery centers and one non-par hospital. Aetna presented testimony regarding its experience with the non-par hospital, citing their disparate year-over-year increase in charges compared to other similarly situated hospitals. Chairman Schaer indicated the committee will work over the next several months to craft a solution.

NEW YORK: With Democratic Senator Hiram Monserrate officially expelled from the Senate, the Democratic majority (31-30) now faces an uphill battle getting the 32 votes needed to pass legislation. However, both the Senate and the Assembly moved forward with a public hearing on the Executive Budget proposal for health, including the section mandating the prior approval of rate adjustments. The Health Plan Association testified on behalf of the industry. If enacted, Governor Paterson’s proposal for an 85 percent medical loss ratio and a prior approval hearing process for all rate adjustments would essentially amount to government control of health insurance, undermining the private health insurance market in New York. Price controls would weaken health plan solvency, hurt providers and virtually eliminate innovation and efficiency. At the same time, the proposal ignores the underlying cause of the increasing cost of health insurance — the increase in the actual costs of health care services.

OKLAHOMA: The second session of the 52nd Oklahoma Legislature convened in Oklahoma City on February 1. Legislators quickly turned to the state’s .3 billion budget deficit described by Governor Brad Henry (D) in his eighth and final state of the state address and FY 2011 executive budget. During his address, the Governor focused on his plans for resolving the .3 billion budget deficit through precise budget cuts. His only reference to health insurance was to encourage the expansion of Insure Oklahoma, a program developed by the state in partnership with small employers to provide affordable health coverage. The legislature is scheduled to adjourn on May 28 but only after addressing a range of legislation including several bills of interest to Aetna.

SOUTH DAKOTA: A dental fee schedule bill (S.B. 108) unanimously passed the Senate Commerce Committee and is expected to be taken up by the full Senate early this week. The bill prohibits any contract between a health insurer that offers a health benefit plan and a dentist from containing a provision that requires the dentist to accept a fee schedule for services unless the service is a covered service. Aetna will continue to follow the bill’s progress as it progresses.

TENNESSEE: Several bills have been proposed that would make changes to the state’s external review law. Aetna and other industry representatives will be meeting with the Tennessee Department of Commerce and Insurance regarding its proposed changes to the external review law. The bill proposed by the TDCI most closely mirrors the model legislation proposed by the National Association of Insurance Commissioners.

UTAH: The Speaker of the House has introduced a health reform bill addressing health information technology, individual and small group market reforms and transparency. The overarching theme of the reforms is micromanagement of rates and rating factors, and a broadening of the Insurance Commissioner’s authority. The transparency provisions apply plan designs and benefit descriptions submitted by carriers, and would require providers to make available, upon request, a price list for services on both an inpatient and outpatient basis.

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