Posts Tagged - ‘affordable health insurance’

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Is There Precedent To Uphold Healthcare Reform?

Monday, July 12th, 2010

Image: BAR Photography under CC 3.0

One of the main arguments against the legality of healthcare reform is the contention that it is unconstitutional. Many opponents believe that the individual health insurance mandate, in particular, violates the 10th Amendment. That amendment says that all rights not specifically given to the federal government in the Constitution or its amendments are left to each state.

However, a competing interpretation–accepted by some conservative justices, no less–states that at times, the national government can exercise powers not expressly mentioned in the document. A recent Supreme Court decision (approved by seven out of the nine members) upheld the federal government’s right to indefinitely detain sex offenders after serving their sentences. Surely, the specifics of ankle monitoring or house arrest for child molesters and others were not on the founding fathers’ minds.

Granted, U.S. vs. Comstock is relatively less controversial an issue than affordable health insurance reform. Still, it’s a sign that the highest court is willing to consider the application of the “elastic clause”, which states that the federal government is allowed to pass laws to help it execute the powers it was expressly given.

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Co-Payments Vs. Co-Insurance

Monday, July 12th, 2010

Image: db*Photography under CC 3.0

When trying to find affordable health insurance, it can be difficult to find the right policy. One of the most confusing aspects is the out-of-pocket cost you are expected to pay, above and beyond the monthly premium.

Most health coverage options include co-payments, co-insurance, or both. What’s the difference?

  • Co-insurance is a percentage of the fee charged for an item or service. For example, if you have a 30% co-insurance percentage under your policy and a doctor normally charges $100 per visit, you will be responsible for paying $30 upfront. In many cases, this is the more expensive option. However, it is becoming more common among group health insurance plans, due to employers trying to reduce their cost burden.
  • On the other hand, co-payments are a fixed amount. If your insurance company specifies a $15 co-payment for prescription medications, that is the amount you’ll pay the pharmacy each time you fill the prescription–regardless of how much the medicine actually costs. Sometimes, insurers have multiple tiers of co-payments: depending on the type of medication, doctor visit, or hospitalization, the copayment will be higher or lower.
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Facts About Health Insurance Rescission

Tuesday, July 6th, 2010

Image: bobster855 under CC 3.0

One of the worst things that can happen to a person affordable health insurance-wise is having their policy rescinded. In many cases, they are kicked off their plan through no fault of their own.

The good news is that reform will both prevent the practice of unfair rescission and make it easier to gain justice.

The facts about the new regulatory climate:

  • Insurance companies now have little legal justification for dropping people: they will only be allowed to do so due to nonpayment or fraud.
  • The definition of fraud is also clarified. It consists of actively lying about any pre-existing medical conditions or diagnoses you may know have. Having a condition you don’t know about (even if it’s in your medical records, but a doctor hasn’t informed you of it) doesn’t count.
  • For consumers, the appeals process is also strengthened. Health insurance companies must give them at least 30 days advanced notice before canceling a policy.
  • The new rules take effect in late September.

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Support For Healthcare Reform Continues to Rise

Friday, July 2nd, 2010

Image: joeltelling under CC 3.0

Although healthcare reform is still extremely controversial, a recent poll showed that Americans’ outlook on the law became more positive in June.

The Kaiser Family Foundation’s polling showed that 48% of respondents were now in favor of the bill, an increase of 7% from the month before. Opposition decreased by three percentage points, to 41%.

Why the change of heart? There are several contributing factors. For one thing, the political heat has somewhat died down–other issues have taken the spotlight. Meanwhile, the Obama administration had launched a public relations campaign, which drew attention to the beneficial affordable health insurance-related provisions taking effect this year.

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Pre-Existing Condition Insurance Plan Has Launched!

Thursday, July 1st, 2010

Image: twbuckner under CC 3.0

Today is the official launch date of one of the most heavily hyped elements of affordable health insurance reform: the temporary pools for up to 350,000 uninsured people with pre-existing conditions. Only citizens or legal residents who have lacked insurance for over six months are eligible to sign up.

29 states will run their own health insurance pools, while 21 others have left the responsibility up to the federal government’s Department of Health and Human Services. Those living in the latter states can apply today for coverage that begins next month, while others must wait until later this summer. Many of the latter were leery of supplementing their existing high-risk pools with another one that met the new requirements (that rates charged are similar to the rest of the market, etc.) However, the rates charged in each state will vary widely, based on several factors–including age.

These pools are intended as temporary solutions for health coverage, until reforms take full effect in four years. By 2014, these stopgap solutions should no longer be necessary, since health insurers will no longer be allowed to deny coverage to high-risk patients.

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Do New York Courts Have A Medical Malpractice Soultion?

Monday, June 21st, 2010

The medical malpractice system has been heavily criticized for its contribution to soaring health insurance premiums. Many doctors practice defensive medicine–performing far too many expensive tests and procedures that are unnecessary, in order to avoid lawsuits.

A judge in New York thinks he has a soultion: treating all parties involved like people. Many families want vindication and justice, instead of extremely large sums of money. By having doctors and nurses apologize for any mistake, he has convinced victims to take smaller settlements as opposed to choosing a jury trial.

The affordable health insurance reform law sets $3 million aside for studying these methods to see if they can work nationally.

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Is The American Public Now Behind Healthcare Reform?

Friday, June 18th, 2010

Image: RLHyde under CC 3.0

Many found the promises of the Obama administration–that the nation would take more favorable views of healthcare reform once its immediate benefits kicked in and were better understood–far-fetched fantasies of Democrats. However, a recent poll indicates that the optimists may have had a point.

According to the poll, which was taken in early June by the Associated Press and GfK, 45% support the legislation as a way of bringing about more affordable health insurance. Even some registered Republicans are changing their tune: 17% are now in favor–still a tiny minority, but a nine-point jump from May.

Not everyone is warming up to the plan: 42% are still opposed, and the poll has over four percentage points of error. Nevertheless, it’s an improvement from last month, when only 39% of those polled liked the law.

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When Health Insurers Pay For Overtreatment

Monday, June 7th, 2010

Image: Photos8.com

Overtreatment is commonly considered as health care services that are provided when they aren’t necessary. It has been criticized as one of the factors that made healthcare reform a serious priority.

For example, MRI scans are often performed on people with low risk. Since such tests aren’t completely accurate, some people have back surgeries that could’ve been avoided. Those individuals, whose conditions may have improved through other means, may then require more surgery in a decade.

Other examples abound, including the cumulative levels of radiation absorbed through a high number of CT scans–which is linked to increased risk of cancer. Affordable health insurance becomes harder to find due to this overspending. The worst part is that there have been few studies that determine which common procedures are needed and which ones could be scaled back without hurting health outcomes or creating fears of rationed care.

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Voters Want Healthcare Reform Changes, Not Repeal

Tuesday, June 1st, 2010

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The news isn’t great for Democrats who supported the healthcare reform overhaul: a majority of likely voters in the November midterm elections still aren’t big fans of the legislation. Republicans counting on an electoral sweep shouldn’t be too happy either; the wholesale repeal of the bill they have been pushing for isn’t very popular either.

Then, what does the American public want? According to a poll by the Wall Street Journal and NBC News, a majority would vote for a candidate that is willing to give the law a chance to work, but fix and improve it. Independent voters are especially open to that strategy by a 57%-40% margin. Although they’re still skeptical that the law will have a positive impact and make affordable health insurance more widely available, just 42% prefer the hypothetical candidate that would go back to the drawing board and repeal the current legislation.

Indeed, last month’s special election in Pennsylvania seems to confirm this viewpoint. The Democratic candidate, who expressed similar views (he would have voted against the bill, but looks to make improvements to what is now law), defeated the Republican candidate who sought total repeal.

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Will Jobs Bill Give States More Healthcare Reform Funding?

Wednesday, May 26th, 2010

Image: joshuaoffmanphoto under CC 3.0

Many states are hoping that the jobs bill currently pending in Congress will include increased funding for implementing healthcare reform.

The legislation requires them to expand eligibility for Medicaid among one of its strategies for expanding access to affordable health insurance. However, the recession has made states cash-strapped and unable to afford it.

As a result, they are seeking to extend the increased federal subsidies provided to them in last year’s stimulus package. They have already budgeted for the six-month extension during the next fiscal year, although its passage certainly isn’t guaranteed.

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