Florida Health Insurance Topic:
"State Gets Closer to Coverage"

Illinois -- One Step Closer to Health Insurance

The record number of people who've lost their employer-sponsored health insurance, forced into the private market where they struggle to get the care they need -- received good news last night, they are one step closer to having a new law on their side. Legislation establishing stronger consumer protections in the private health insurance market passed the Illinois House Health Care Availability and Access Committee.

The Health Insurance Consumer Protection Act (House Bill 3923), introduced by State Representative Greg Harris (D-Chicago), addresses key barriers facing consumers who struggle with unfair and inconsistent industry practices. The legislation is being heavily opposed by the health insurance industry.

"Unfair practices in the insurance industry have put up a wall between people and their health care," said Bob Gallo, AARP Illinois State Director. "AARP commends Representative Harris for his leadership on this critical issue."

The Individual Health Insurance Fairness Act would:

-- Require insurance companies to spend at least 75% of premium dollars on medical care rather than on executives' salaries, marketing, and profits.

-- Establish an Office of Consumer Health Insurance to conduct external independent reviews of denied claims and rate increases.

-- Simplify the complicated application process for both individual and small group markets by creating a standard application, making it easier for them to get coverage.

"The insurance industry is working hard to defeat this bill and keep the people of Illinois from the insurance reforms they deserve," added Gallo. "Getting this legislation signed into law is AARP's top priority and we urge the State House to pass it."

Nationally, nearly 4 million people have lost their health care since the recession began, while roughly 17 million purchase their own coverage. In the private market, an average annual premium for a family of four has risen to nearly $5,500, while an individual premium costs $2,500 in Illinois. A recent AARP study found that adults aged 50-64 spend roughly 10% of their income on health coverage, and paying three times as much as their peers with employer-sponsored coverage.

Considering Government Healthcare Reform

There is a need of an urgent and comprehensive health care reform in the United States of America and a number of organizations like the National Small Business Association (NSBA) have been vibrant proponents of this concept. Now it’s the turn of a panel of experts which is also giving voice to the same demand. What is the consideration of this group therefore?

According to the group, it’s high time for the government to initiate precise efforts to overhaul the U.S. healthcare system and only that can lead to the inclusion of essential maneuvers that provide better access to good food and recreation. It has also been concluded by the panelists in the report commissioned by the nonprofit Robert Wood Johnson Foundation that there is the need of innovative thoughts. Take for instance, the concept of providing requisite medicines and food to the sick people is normal and this also leads to the calculation of costs. But the panelists consider that it is more important to give people in schools and cities better access to nutritious food and places to exercise.

Speaking on this, Jim Marks, head of the foundation’s health group, which funds projects and research aimed at improving healthcare made it clear, “It’s clear that as a nation we have tried to spend our way to better health through medical care, and it hasn’t succeeded.”

What has been the government’s response? Well, both of Congress and White House, according to latest information, are taking stock of the reality and are therefore gearing up to refurbish healthcare delivery and insurance coverage. It is to be noted that the US President Barack Obama has made providing health insurance to the 46 million Americans without it a cornerstone of his plan, seeking a 10-year, $634 billion reserve fund as a “down payment” for the effort.

It has also been learnt that Congress is planning related legislation and has adopted steps to insure some children and boost electronic medical records.

HHS Health Care Report

Americans expressed serious concerns regarding health care in a new report released today by the Department of Health and Human Services. The report, Americans Speak on Health Reform: Report on Health Care Community Discussions, summarizes comments from the thousands of Americans who hosted and participated in Health Care Community Discussions across the country and highlights the need for immediate action to reform health care.

The report is available on a new Web site dedicated to health reform: www.healthreform.gov. Unveiled today, the Web site will allow Americans to view today’s White House Health Forum, share their thoughts about health reform with the Obama Administration and sign a statement in support of President Obama’s commitment to enacting comprehensive health reform this year.

What Do You Think About Health Insurance?

What do you think? Do we have a right as Americans to have access to affordable health care or is it only for the wealthy and employed. Let's start with the basics. You may be vaguely aware that your tax dollars support health care for the disadvantaged, its called Medicaid. Your tax dollars also support Medicare, health care for the elderly and disabled. The health care system is beginning to split at the seams, I'll explain.

If you are in the vast majority of Americans you are not independently wealthy and probably have employer subsidized health care. Even if you can afford insurance without employer help, chances are the cost cuts deeply into your vacation fund every year. As your employer helps you with health insurance, your taxes help pay for Medicare and Medicaid. Unfortunately, the entire system is out of balance. An insurance pool, which is any group of people or things (homes, cars) insured for any reason, must have balanced risk.

What the heck does that mean?

It means an insurance pool (health insurance in this case) must have enough healthy people paying into the fund to pay for the sicker people using the insurance resources. In this model we share the risk equally. Right now this is not how it works in America. Private insurers ( the one you have at work) only want the healthy people. You may have noticed how hard it is to get private insurance if you have a pre-existing condition and don't have current insurance. Remember the sicker group of people that use the resources? The are mostly on Medicare if they are over 65, under 65 they are on Medicaid if they qualify.

Florida had to adjust its budget (place more money in Medicaid than planned) to qualify for the most Federal Stimulus possible. Should we not be funding Medicaid according to a standard? A Federal standard perhaps?

Is this any way to run a Health Care System? While we consider ourselves unique here in America, there is nothing unique about our health care system. It is poorly distributed and costs all of us too much money and gives us too little health care often too late. There are many models across the first world countries( not just Canada and Britain) that do a great job of caring for people, paying the health care providers what they are worth and cost less than our system.

Hmmm...... what is up with America?

Do you believe that your neighbor's child should die from cancer because his father lost his job? Should a young couple, both with jobs, have to take a loan to pay for the birth of their child? What will happen to you when you need care that your insurance won't cover and you can not afford? I think it is time we had a discussion with ourselves about how we should treat each other as Americans.

Need To Fix Health Care Now

During his first official conference with the heads of other major industrialized nations, Barack Obama is dealing with questions about America’s responsibility in the economic crisis currently gripping the world. Whether fair or not, delegates are pointing a collective finger in the direction of the newest delegate to the G20 union.

As always, the self-controlled Obama emphasized the need to move forward and look for solutions, rather than looking back to place blame. In the end, he explained that responsibility must be shared by all.

One problem the rest of these countries have long managed that we have yet to confront is health care. The rest provide their citizens with low-cost health care, while medical debt is responsible for roughly half the bankruptcies in the United States. Health care is right up there with unemployment and global warming as primary issues that must be addressed in order to solve our overall problems.

Some people fear that dealing with so many things at once will lead to failure in one or more areas. Obama counters by explaining that American families must deal with multiple problems at once, so why should the country be any different? But conservatives remain adamantly opposed to handing over more control to the government in this most personal service.

The argument is reminiscent of John McCain’s campaign claim that the problems of uninsured people and the high cost of medical services can be corrected by "market forces." Republicans ignore the fact that "market forces" caused the mess in the first place. They argue that depending on government to solve the problem will put medical decisions in the hands of bureaucrats, while we suffer from the current practice of allowing insurance company executives to deny medical care to people who need it, while receiving fat bonuses for performing that odious task.

Whenever McCain sounded the warning about government employees making "decisions" about our health care, I remembered that he's received government-administered medical care every day of his life. I never heard him mention the terrible experience he's had in the delivery of poor medical care or being denied necessary care as a result of any decision made by a government employee. He seems to be in excellent shape for a man of his age who was so badly injured during his North Vietnamese internment and has survived multiple cancers. I always wondered how McCain could say we'll receive care that is worse than the government program he seems to have benefitted from so well.

McCain wanted insurance to be portable between jobs but never mentioned how people would pay for coverage during time gaps between jobs. He wanted insurance companies to sell policies across state lines, which would threaten the control states now exercise over companies that do business within their borders and lead to more abuses than already exist.

Lastly, McCain wanted to segregate sick people into a "pool" so that healthy people wouldn’t help pay the cost of medical services for people who actually need them. He ignored the fact that such a practice would raise the already high cost of coverage for people who can least afford to pay for it. As a spokesman for the conservative point of view, John McCain’s plan for health care "reform" was "business as usual."

Progressives have Governor Howard Dean, a medical doctor who’s been fighting for true health-care reform throughout his political career. In the video below, Dr. Dean explains why all Americans must be provided with real choices for affordable health care immediately.

Obama Health Care - (Republican View)

The president’s opening offer of healthcare at a teaser rate fails to deliver what we actually need, value, and can afford.

The release by the Obama administration of its initial budget “outline” reinforced its strong commitment to step on the health spending accelerator, notwithstanding some rhetorical cover suggesting purported cost savings within its roadmap for universal coverage. Any selective application of the budgetary brakes would only maneuver around some tight political corners, because the overall goal is to re-allocate any “savings” to spend more and more, with Washington in the driver’s seat.

To be sure, the impact of annual budget documents, as first submitted, tends to be exaggerated. The president’s budget primarily provides a political marker suggesting the policy paths for future action. Even when such budgets profess to lay out master plans for vast sums of public funds flowing out over the next ten years, their transitory shelf-life reminds one of Dallas Cowboys running back Duane Thomas’s description of his first Super Bowl in 1970: “if [it’s]the ultimate game, how come they’re playing it again next year?”

Once one blows away the political smoke, there remains little evidence in the budget of a serious commitment to deliver more substantial and lasting savings.In any case, President Obama’s preliminary budget framework would make the healthcare sector that some critics claim is already too “unaffordable” even more so.

The soft numbers presented in the budget amounted to $634 billion over ten years, tucked within a reserve fund that serves as a “down payment” for comprehensive health reform more likely to cost at least twice as much. This initial tranche of subprime financing at a teaser rate would come predominantly from the usual suspects—reimbursement cuts imposed on focus group–tested targets (drug companies and private insurers) and higher taxes on the $250,000-plus income club.

Once one blows away the political smoke, there remains little evidence in the budget of a serious commitment to deliver more substantial and lasting savings. Proposals for overhauling inefficiencies in the care delivery system, sensitizing the privately insured to value trade-offs, and reacquainting senior beneficiaries with the full costs of their Medicare entitlements remain either illusory, underdeveloped, or discarded in this initial Obama budget.

One should not be surprised. The healthcare portion of this budget is largely an extension of broader bait-and-switch tactics, for which the primary objective is to quickly lock in long-term structural changes in who controls healthcare choices. Left to less-urgent “out years” will be worries about how to renege on the too-generous terms of offers of universal coverage, comprehensive benefits, and lower list prices.

The short, postcard version of Obama’s health reform pitch to the public represents a faith-based initiative that straddles the line between audacity and mendacity: Insurance coverage for everyone; more choices that include keeping what you already have; choices that will cost less but offer better benefits because “someone else” will pay more; reductions only in waste; and new wellness interventions that will make us all healthier anyway.

Assuming that last year’s presidential campaign rhetoric tries to engage the reality of legislative enactment and administrative implementation, the president’s health plan will rely on five new tools and structures:

A national health insurance exchange would facilitate centralized regulation of insurance offers and purchase—purportedly to reduce administrative costs and provide a broader menu of choices, but ultimately to crowd out competitive variation and meaningful choice within private insurance.

The exchange would include a new public plan option, the favored choice within the exchange menu to serve as a halfway house to Medicaid-for-all coverage much further down a political road.

Additional expansion of public program insurance coverage would build on the loosening of income-based eligibility limits for Medicaid and the State Children’s Health Insurance Program (SCHIP) in the recent stimulus package and on the crippling of private plan options in Medicare.

Mandates to ensure health coverage would start with employers but eventually move to all individuals, at least until affordability and enforcement hurdles become too visible and insurmountable.

Launching of more aggressive comparative effectiveness research would provide pseudo-scientific cover for the ensuing budgetary need to restrict coverage and limit reimbursements for higher-cost benefits, treatments, and products.

The short version of Obama’s health reform pitch to the public represents a faith-based initiative that straddles the line between audacity and mendacity.Beyond this sketchy framework, the president appears to be ready to subcontract most of the operational details behind this plan to the Democratic leadership and committee chairmen on Capitol Hill.

However, the clock is ticking as this latest window for political opportunism will narrow after this year. Although fiscal price tags seemed to matter little just months ago, ongoing difficulties in stimulating a stagnant economy may soon overload our political willingness to double down on bets on change we cannot quite believe in. At that point, we might begin to re-open the health policy debate to consider what we actually need, what we value, what we can afford, and the limits of what we can do through politics as usual.



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