Archive by Month - May, 2010

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Ron Paul Proposes His Own Healthcare Reform Bill

Friday, May 28th, 2010

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Representative Ron Paul, a libertarian Republican and 2008 presidential primary candidate (and father of Tea Party backed Senate candidate Rand Paul), has written and proposed his own version of healthcare reform. If the GOP is truly interested in fixing the system and not simply scoring political points, they should consider it.

In keeping with his beliefs, the Private Option Health Care Act pending in the House of Representatives seeks to largely keep the government out of private business. There is no mandate to pay a fine if you don’t purchase a qualifying health insurance plan. It uses tax deductions and credits to make insurance more affordable, while encouraging people to sign up for Health Savings Accounts and other high-deductible coverage options that cause them to take greater responsibility for their health care.

It also uses the Constitution’s commerce clause–ironically under fire by Obama reform opponents–to allow the interstate selling and purchase of health insurance plans. At the same time, people will now be able to import prescription drugs from reputable countries with high quality control, like Canada and those in Western Europe. Tort reform is also involved, obviously, as a method of cutting costs. At the same time, consumer protection will be retained through a tax credit that pays for insurance against negative medical outcomes.

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Amendment Against Ohio Health Insurance Mandate?

Friday, May 28th, 2010

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In Ohio, a group of “tea party” activists are looking to enact a state constitutional amendment that would exempt them from one of the major elements of healthcare reform: the individual mandate.

Ohio Liberty and American Patriots Against Government Excess want to put the Health Care Freedom Amendment on this November’s ballot, and are currently gathering petitions. If it passes, it would prevent any state or federal agency from mandating a person or employer to purchase Ohio health insurance–or pay a penalty or fine for failing to do so.

Laws in place before March 19th (prior to President Obama signing the health care bill) will not be affected.

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How Many People Have Pre-Existing Conditions?

Friday, May 28th, 2010

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A recent study from Families USA found that up to 57 million people in the United States suffer from pre-existing conditions. These issues have prevented them from buying individual health insurance on the open market.

Proponents of health insurance reform will take this statistic as proof of why comprehensive action was necessary. In 2014, health insurers will no longer be allowed to refuse any consumer, regardless of health status. In addition, the premiums charged can’t be significantly higher.

The figure excludes the elderly, whom are already covered by Medicare.

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Sebelius Urges Employers to Implement Group Health Insurance Earlier

Friday, May 28th, 2010

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The deadline for large group health insurance plans to expand coverage to the adult children of employees until the age of 26 is September 23rd. However, the actual date depends on when the new plan year begins, which can be as late as January 1st of next year for many companies.

Secretary of Health and Human Services Kathleen Sebelius is encouraging employers to enact this element of healthcare reform earlier than required. Doing so will be especially helpful to recent college graduates, who would otherwise be uninsured.

Will businesses comply? On the one hand, the demographic in question is generally healthy, so total costs shouldn’t rise all that much. On the other hand, premiums may increase. One study found that 16% are planning to expand their health benefits to this group.

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How Much Will Healthcare Reform Cost Indiana?

Thursday, May 27th, 2010

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According to an independent estimate, the Obama administration’s healthcare reform law will cost the state of Indiana nearly $3 billion!

The 10-year figure is below initial estimates, which assumed a “worst-case scenario” in which 100% of those newly eligible for Medicaid signed up. (In reality, there have always been some who don’t.) However, it is still extremely expensive for the cash-strapped state.

Republican Governor Mitch Daniels fears that the Indiana health insurance mandate will burden the state and force it to either cut services or raise taxes. It may also cause companies to drop private employer-sponsored health insurance.

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WellPoint Improves Health Insurance Coverage For Breast Cancer

Thursday, May 27th, 2010

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After lots of controversy surrounding their alleged rescission of the policies of breast cancer patients, WellPoint–one of America’s largest health insurance companies–is taking some steps to help patients and rehab their image.

Currently, a federal law is pending that will offer greater consumer protection to these women. However, WellPoint CEO Angela Braly has vowed to implement many of its provisions early, including medical insurance coverage for a voluntary minimum 48-hour hospital stay after a mastectomy.

Whether or not Representative Rosa DeLauro’s Breast Cancer Patient Protection Act passes or falls victim to general anti-healthcare reform sentiment (although its chances look bright–who wants to vote against cancer sufferers during an election year?), WellPoint will take these steps as of July 1st.

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Oklahoma Gov. Vetoes Health Insurance Exchange Abortion Ban

Thursday, May 27th, 2010

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In Oklahoma, conservative legislators have tried to prevent plans in the upcoming health insurance exchanges (set to launch in 2014) from offering abortion coverage in any of their plans in all but the strictest circumstances (to protect the life of the mother, rape, or incest). Several other states have done the same thing in the advent of healthcare reform, but the Oklahoma bill goes further by attempting to ban coverage in any policy sold in the state, whether or not it is part of the subsidized exchanges.

Democratic Governor Brad Henry vetoed the bill. Although abortion coverage would continue to be available through supplemental health insurance plans, that has little practical use–very few people plan in advance that they will terminate a pregnancy.

According to Henry, the bill becoming law would create an expensive legal headache for the state, as well as unfairly penalizing women who fail to report a crime in time. However, the national healthcare reform law allows states to create their own additional regulations on the exchange markets, so removing abortion services from Oklahoma health insurance options would probably be legal.

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Pro-Healthcare Reform Mailing Spawns Controversy

Thursday, May 27th, 2010

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Recently, the federal government sent out an informational pamphlet to millions of Medicare beneficiaries. What’s the problem with that?

The issue is that some people believe that the mailing crosses the line from information into propaganda. The pamphlet talks about how the positive impact the healthcare reform law is predicted to have on its recipients.

Republicans in Congress want the Government Accountability Office to investigate whether the cost of printing and sending the document was legitimate. They contend that the the information about medical insurance in it is biased and inaccurate.

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Homeless and Uninsured

Wednesday, May 26th, 2010

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Compared to the general American population, the homeless are 10 times less likely to receive necessary health care. A person unable to afford shelter is obviously very unlikely to have health insurance–making care more difficult to find. About a third of them had problems finding needed surgical or medical services they could afford.

Although there are community clinics in many areas that charge based on a patient’s ability to pay–not to mention emergency rooms–there are issues with finding effective transportation, as well as their facilities. In addition, many clinics don’t cover vision or dental services. Both can be symptoms of general health issues.

Homeless individuals who had been employed at least part-time over the past year were more likely to be uninsured than the unemployed, possibly due to their lack of income eligibility for government health insurance plans such as Medicaid.

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HMO Health Insurance Turns Off Pediatricians

Wednesday, May 26th, 2010

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A recent essay in Newsweek discusses the plight of pediatricians. They are the first primary care physician most people have, and good health care as a child is one of the best ways to improve adult outcomes.

Unfortunately, managed care has caused many pediatricians to quit their jobs. The stress of fighting with managed care health insurance for reimbursement of their services gets to be too much. Justifying essential care to corporate bureaucracy ruined the joy of their practice.

When HMO health insurance providers decide to cut their reimbursement rates, pediatricians are forced to fill their days with more patients, which leads to longer wait times. Health insurance reform, which adds more patients to the rolls, may make the situation even worse.

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