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9/11, 12 Years On

Seven years ago, we participated in the "Project 2,996" campaign to remember and honor those killed in 9/11. Today, on the 12th anniversary of that terrible day, we reprise our original post, to which I will append this prayer:

Baruch atah Adonai, dayan ha-emet ... Blessed are you, oh G-d, the righteous judge.

[Originally posted 9/11/2006]
As regular InsureBlog readers know, my better half has long maintained that “there are no coincidences.” That is, she believes that everything happens for a reason, although we may not be aware just what that reason is.

As for me, I’ve gradually become 90% convinced that she’s right on this (in everything else, of course, she’s 100% right). But one evening, a few weeks ago, that all changed.

I have a confession: My name is Henry, and I’m a news junkie. It is my habit to stay up way too late reading news blogs. Which I was doing several weeks ago, when I came across an item about one man’s extraordinary effort to harness the power of the blogosphere, in tribute to our fellow Americans who died in The Towers, exactly five years ago today.

The concept was deceptively simple: 2996 victims, 2996 blogs, each one remembering a single person. Bloggers were invited to sign up, and each was assigned – at random – one name.

Stop for a moment, and consider this: one blogger, reading one news item, decides it’s the right thing to do, signs up, and is assigned the name of a person he’s never even heard of, let alone met. We’ll come back to this shortly.

And so I was assigned the name of Jerome Robert Lohez, given a photo of him, and told the briefest of biographical information: age 30, lived in Jersey City, New Jersey.

That was it. A name, a face, a place.

The assignment was simple: On September 11, post his name and picture.

But I’m a news junkie, and that wasn’t good enough. I had to know more about Jerome. So I Googled his name (hey, why not?) and came across a site that CNN put together in December of ’01. It had pictures and names, of course, but I also learned that Jerome, born in France, married Dening Wu some three years before The Towers fell.

One month before The Towers fell, Jerome got his Green Card, and the happy couple flew to Europe to celebrate with his family. When they got back, two days before The Towers fell, Jerome told Dening “Only in New York do we have so much sunshine."

That was Sunday, September 9, 2001.

On Tuesday morning, he left for work. And The Towers fell.

And now we've come full circle: One. Random. Name.

Jerome didn’t just work in The Towers. He worked for Empire Blue Cross and Blue Shield. He worked in the insurance industry.

90% doesn’t cut it anymore.

Thank you, Jerome, for the lives you touched, the joy you brought, your love for New York and America, and for the privilege of paying you tribute.

Au revoir, Monsieur Lohez, au revoir.
 

What Will Congress Do?

By now we all have heard about Congress and their staffers being removed from the Federal Health Plan and being placed into exchanges marketplaces. Mike did a post on it here. We also know that the Office of Personnel Management has determined that they can still contribute to the employees premiums. This is a BFD when other employers are not allowed to do the same.

Here is another BFD that hasn't gotten any attention. Exchanges marketplaces are only available to people up through age 64. So what does OPM plan to do with the 140+ members of Congress (38 Senators and 106 Housewho are over age 65?
 

Obamacare Navigators, That Sound You Hear . . . .

Obamacare navigators are supposed to be like guides for the blind. They will help you go through the 
maze of new health insurance options. Take your personal financial data (income, tax filing status, income tax history) and calculate your premium subsidy.

Premium subsidies are a wealth redistribution trick that is supposed to make the new, much higher premiums, "affordable".

But enough about that. How well is this taxpayer funded navigator program working so far?
More than 100 nonprofits and related organizations, which specialize in everything from running soup kitchens to organizing farm workers, have been recruited by the federal government to sign up "navigators".
Many of the groups have little expertise in health insurance. And the timeline for training the workers is tight. 
Yahoo News

Sounds like a well qualified group. Health insurance buyers now have an option and won't have to deal with greedy, commission hungry agents.


They can get advice from community organizers transformed into Obamacare navigators.


Wonder how well that will work?

Community groups received the course materials for the 20-hour training only days ago. Many have just begun to post the openings on job boards.
20 hours of training.

Impressive.


And how well is this Obama job creation plan going?

A small scream came from Tara McCollum Plese when she was asked whether her group, Arizona Alliance for Community Health Centers, has hired any of the 45 workers authorized in its federal grant. "Ack! No," she said Thursday. Her group has posted a job description, she said, and is now flooded with inquiries for the positions, which pay about $15 an hour. She's since heard one worker has been hired.
Not one navigator has been hired yet under the $2 million grant obtained by the Ohio Association of Foodbanks.
A bit underwhelming, but there is still plenty of time to turn this around.
Perhaps disgruntled fast food workers who have gone on strike, demanding $15 per hour should apply. They have experience dealing with the public and will be ahead of the learning curve.
"Would you like to supersize your health insurance order?"
Or as they say at The Varsity, "What'll you have, what'll you have?"




 

But Will You Like The [Private Exchange] Insurance You Keep?

I recall hearing Obama say a couple of different things about "keeping your insurance" - -

    --"if you like your insurance plan you can keep it".  That's true if your plan claimed grandfathered status so that essentially current coverage is locked into place  until the end of time.  And it's only true after including the additional coverage (and cost) that ACA requires all health plans to include - even those claiming grandfathered status. So the law does not in fact grant an unfettered choice to "keep" the plan you like.  My opinion: Obama's  statement was carefully crafted to misdirect people about the intended effects of the law.
  
    --"nothing in the law will require you to change your insurance".   I think narrowly and technically that may also be true.  What Obama left unsaid is that the law does place requirements on insurance companies and other plan sponsors that may oblige them - or incentivize them, or permit them the latitude - to alter offerings or policy terms that WILL result in losing your current coverage, even if you like it.  My opinion: Obama's remark was another carefully crafted statement designed to misdirect people about the intended effects of the law.

Those are some of the reasons I think few people will be able to keep their existing insurance for long, even if they like it. 

So what will eventually replace your insurance?  Today Federal and State Exchanges are getting all the attention.  But will they replace group insurance?  That is, will they replace the coverage most people have now?  Maybe not.  Maybe new entities, the so-called private exchanges, will become major players. 

Recently IBM announced that it intends to adopt Towers-Watson's private exchange "ExtendHealth" for some of its retirees.  GE, Time-Warner and other large employers are doing, or considering doing, the same thing.

 At the same time a number of insurance companies have announced they intend to form their own private, proprietary insurance exchanges.  How might these private exchanges transform group insurance for employees and retirees ?

For example, Aetna "[President Mark]Bertolini is pushing Aetna down the ice to where he believes the company and the industry are headed. Employers may eventually stop providing insurance, he predicts, and Americans, whether they like it or not, will have to shop for, buy, and manage their own health policies"

The consulting firm Accenture predicts that

"Private health insurance exchanges will rapidly upend insurance purchasing for many of the 170 million people who receive benefits through their employer. "

For private exchanges to become major players, private businesses, Taft-Hartley plans, and other group insurance sponsors would have to transfer their benefits administrative duties to the private exchanges.  Based on reports so far, it appears a safe bet that many, if not most would be willing to do just that.  I think it's likely that the private exchanges will become major players.  

So it seems to me the game may already be in the late innings while most people are still milling around buying their popcorn and scorecards, and looking for their seats. 
 

Yet Another Obamacare Fine

Just when you thought you had heard it all, another Obamacare fine comes along. This one
impacts employers with only 1 employee.

If you own a business, including self employed, and have annual revenues of $500,000 or more, you have to tell your employee(s), in writing, about Obamacare exchanges.
Beginning Oct. 1, any business with at least one employee and $500,000 in annual revenue must notify all employees by letter about the Affordable Care Act’s health-care exchanges, or face up to a $100-per-day fine. The requirement applies to any business regulated under the Fair Labor Standards Act, regardless of size. Going forward, letters are to be distributed to any new hires within 14 days of their starting date, according to the Department of Labor.
Fox Business

Obamacare fine. $100 per day.

Ouch.
“It’s a steep fine—when you start tallying up all of the costs, businesses need to start figuring out ‘am I better off just not offering coverage and paying the penalty?’” 
Another unintended consequence of Obamacare?

If you are the only employee in your company, send yourself a letter notifying you of your right to buy a health insurance policy on the exchange or be prepared to pay an Obamacare fine.

 

Kiddie Dent

One of the ObamaTax core benefits is pediatric dental care. As we've pointed out, at least some of that care is ripe for abuse, but at least some carriers are looking for ways to minimize the damage.

Superior Dental Care is a regional dental carrier with whom we have a few cases; they've just announced their new "kids' plans" which are designed to "help clients that are domiciled in Ohio fulfill Affordable Care Act (ACA) requirements by covering the dental Essential Health Benefits (EHB's)."

These plans, available for covered "children" through age 18, are available for small groups (under 50 lives) that have opted to carve out the pediatric dental requirement from their group medical plan.

It's nice to see carriers "thinking outside the bun" on these types of benefits. Whether or not these plans will be of value remains to be seen (they're still in development, but expected to be on the street by October 1st), but at least we're seeing some positive reactions to the train wreck.
 

The Peach State Sabotages Obamacare

According to local Socialist Jay Bookman, the REPUBLICAN's in Georgia are doing their best
to sabotage Obamacare.

How dastardly.

Georgia Insurance Commissioner Ralph Hudgeons recently bragged about "doing everything in our power to be an obstructionist" in the implementation of Obamacrap.
Hudgens went on to give an example of that obstructionist behavior, this one involving so-called “navigators” who are being hired to guide customers through the process of buying health insurance on marketplaces, or exchanges, set up under the federal program.
“We have passed a law that says that a navigator, which is a position in that exchange, has to be licensed by our Department of Insurance,” Hudgens said. “The ObamaCare law says that we cannot require them to be an insurance agent, so we said fine, we’ll just require them to be a licensed navigator. So we’re going to make up the test, and basically you take the insurance agent test, you erase the name, you write ‘navigator test’ on it.”
Think about this for a moment.
Navigators will have minimal training (40 hours in the class room) and following that will be required to take a proficiency exam.
Navigators are charged with collecting Social Security numbers, personal information,  income and tax information as part of the financial colonoscopy to determine if you qualify for a taxpayer funded subsidy. That process is estimated to take up to 45 minutes and can involved a 26 page application.
Next the navigators are expected to explain your health insurance options, including drug formulary's and PPO networks.
With that kind of responsibility, I would hope they would have more knowledge about the process than someone in the Hi-Fi department at WalMart.
 why would you take pride in making it harder for Georgians with pre-existing conditions to get the insurance coverage that had previously been denied to them, and that might save them from potential bankruptcy or even death? Why would you block the federal government from offering Medicaid coverage to more than 600,000 lower-income Georgia citizens, coverage that would allow them to compensate hospitals and doctors now forced to treat them for free? Why refuse to educate uninsured Georgians on the fact that they will soon be eligible for subsidies to help them pay for health insurance, as other states are doing?
That's a lot of "why's" Bookman.
Let's take this one at a time. I will go slowly and maybe you can follow.
MOST people had access to health insurance before Obamacrap. They could obtain coverage through their job, COBRA and the state assignment system after COBRA expired.
And almost everyone could qualify for individual health insurance unless they waited until their health changed and tried to buy it.
As for your Medicaid expansion argument, in case you have not noticed, we are in a recession. Not a recovery, a recession that has gone on longer than it should have if Washington hadn't bungled everything.
Medicaid expansion in Georgia would have cost the state an estimated $4 billion over the next 10 years. That's $4 billion the state does not have and unlike DC, we can't print money or borrow from the Chinese.
Your last observation is pure lunacy.
The state is not refusing to educate people on Obamacrap. Rather, the insurance commissioner is trying to make sure the navigators have at least minimal proficiency in this 2300 page train wreck.
When you consider the folks who work at H & R Block have 2 months of training and 85% of the returns they prepare are less than 4 pages I think expecting a navigator to have 40 hours of classroom instruction and passing a proficiency exam isn't too much to ask.
 
 
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