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Home Page > Finance > Insurance > Health Insurance Reform Weekly Easy To Insure ME

Health Insurance Reform Weekly Easy To Insure ME

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Posted: Nov 19, 2010 |Comments: 0

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Health Insurance Reform Weekly Easy To Insure ME

By: Health Insurance

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Easy To Insure ME has the answers Easy To Insure ME / Health insurance quote / individual health insurance

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Article Source: http://www.articlesbase.com/ – Health Insurance Reform Weekly Easy To Insure ME

Week of November 15, 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. In South Carolina, state officials there are considering not paying Medicaid claims as of March 2011 unless they can secure permission to run at a deficit. Some state leaders concede dropping Medicaid could have a devastating effect on their local economies, making such a course unlikely. The fact that it’s on the table, however, speaks volumes about the growing problem of runaway health care costs, and the need to develop systematic solutions in the way that the Patient Protection and Affordable Care Act (PPACA) addressed access issues. Easy To Insure ME has the answers

Health Care Reform Implementation
For more detail about the ongoing implementation of the new health care reform law and its potential impact on you, read a new edition of our Eye on Implementation feature.

Federal

With Congress on recess last week, there is no Federal summary for this week.

States

ALASKA: A state health commission created by the legislature this year has begun reviewing rapidly rising medical costs and patterns of health care pricing among providers. Alaska’s health care costs are rising faster than the national average. The commission held its first meeting in Anchorage October 14 and 15 after its members were appointed by Gov. Sean Parnell. Most members of the panel were on an earlier health care task force, but this panel has five new members, including two state legislators. In an effort to provide the Commission with relevant cost and quality data, Aetna has forwarded several relevant studies and documents produced by its Public Policy Department.

CALIFORNIA: The state is yet again facing a massive budget deficit — $25.4 billion projected for 2011, according to the nonpartisan Legislative Analyst Office (LAO). Governor Arnold Schwarzenegger will call a budget special session starting December 6 to resolve the current-year $6.1 billion deficit. Next year’s budget process will be impacted by two propositions passed during the November election. Voters approved Proposition 22, which limits the state’s ability to borrow money from local governments, and they also approved Proposition 26, which makes it harder to raise fees. It also rolls back fees that were passed by less than a two-thirds vote this year. The LAO estimates these two propositions will create a $1 billion hole in the budget. Democrat Governor-elect Jerry Brown, who campaigned on a pledge of no new taxes, will release his budget proposal in early January.

NEW JERSEY: Last week the Assembly Financial Institutions & Insurance Committee took up legislation that clarifies out-of-network payment responsibilities under health benefits plans, requires certain coverage and procedure disclosures to consumers, and revises procedures for changes to managed care plan contracts. After more than two hours of testimony, Chairman Schaer used his discretion to withhold formal action on the bill. In his comments the chairman noted, “The rising cost of health coverage is crowding out other socially important efforts for government and resulting in economic stress for employers.”  Led by the New Jersey Hospital Association and Medical Society, the provider community was virtually unified in its opposition to the legislation. The business community, NJ Association of Health Underwriters, and a large contingent of trade unions expressed their support for the bill.  Aetna, along with other commercial plans, remains concerned about provisions in the bill concerning non-participating, hospital-based physicians and the ability of out-of-network providers to waive member copayment, coinsurance, or deductibles. Aetna will continue to closely monitor the legislation.

TENNESSEE: The Tennessee Insurance Exchange Planning Initiative has announced the members of two newly created Technical Advisory Groups (TAGs). Members of these groups will provide expertise on specific analytical questions to help in the state’s insurance exchange planning process. The state is in the process of deciding whether it will operate a health insurance exchange. Mark Schmidt, Aetna Market President, Southeast, has been appointed to the Governor’s TAG for State Insurance Exchange Planning. The members of the Actuarial/Underwriting TAG and the Agent/Broker TAGs will provide expertise on specific analytical questions to help in the state’s insurance exchange planning process. The volunteer members of each TAG will meet in Nashville this fall and winter. Members of the Agent/Broker TAG will provide a detailed inventory of options for state decision-makers and then post any resulting discussion papers. Once additional information is received from the federal government, the state also intends to convene TAGs of health care providers, consumer representatives, and marketing and outreach experts.

TEXAS: Several Republican lawmakers are proposing an unprecedented solution to the state’s estimated $25 billion budget shortfall: dropping out of the federal Medicaid program. The Heritage Foundation, a conservative think tank, estimates Texas could save $60 billion between 2013 and 2019 by opting out of Medicaid and the Children’s Health Insurance Program, dropping coverage for acute care but continuing to fund long-term care services. With 3.6 million children, people with disabilities and impoverished Texans enrolled in Medicaid and CHIP, the Texas Health and Human Services Commission will release its own study on the effect of ending the state’s participation in the federal match program. Some lawmakers say not being able to reduce benefits or change eligibility to cut costs is “bankrupting our state.” State Rep. John Zerwas, an anesthesiologist who authored the bill commissioning the Medicaid study, said early indications are that dropping out of the program would have a tremendous ripple effect monetarily, and he worries about who would carry the burden of care without Medicaid’s “financial mechanism.” Currently, the Texas program costs $40 billion per biennium, with the federal government footing 60 percent of the bill. As a result of federal health care reform, millions of additional Texans will become eligible for Medicaid. Lawmakers want to examine whether Medicaid enrollees could be served more cost efficiently with better outcomes in a state-run program.

WASHINGTON: Governor Chris Gregoire says she gets the message following the recent elections, and as a result has announced that she will seek supplemental budget cuts of $55 million before the end of the year. Voters signaled a strong aversion to additional tax hikes to balance the budget by recently passing initiative 1053, which restores the two-thirds vote requirement for the legislature to raise taxes, and initiative 1107, which repeals a tax on bottled water and carbonated beverages. Also, voters rejected initiative 1098, which would have instituted a state income tax. Among the programs Gregoire is considering for possible cuts is the state’s Basic Health Plan. The Governor said she is open to the idea of a one-day special session if there is agreement with legislative leaders on quick action.

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If you want to travel abroad, you also have to bear in mind possibilities such as terror attacks along with travel hazards now, and not just the normal issues that crop up like booking tickets, visas, and so forth. This is becoming more important now as the world has been shaken up with terrifying terror attacks recently – take the terror attacks in Mumbai for example. Thus, when you are planning foreign travel to any country in the world, you should not forget about something which is imperative, and that is travel insurance. We have still not recovered from the impact of the recent terror attacks that shook up Mumbai. Such terror attacks were unprecedented in India. Plenty of globe trotters visit India when they think about foreign travel. They don’t travel abroad to other exotic country but visit India because of its lovely tourism as well as excellent hospitality industry. However, who could have ever thought that travel hazards could appear in the form of terror attacks here?

The travel industry in India has suffered a deep scar because of these terror attacks and the subsequent travel hazards. No one wants to travel abroad and risk his or her life. The impact of the terror attacks in India is already being felt. Business travelers, for whom foreign travel is a regular feature, are canceling their flight tickets. In fact, the world is no longer a safe place to travel abroad as it used to be. Life threatening travel hazards can affect anyone anywhere. However, if we have the assurance of travel insurance, then we won’t need to feel scared about foreign travel. In the current scenario of terror attacks, travel insurance gains primary importance, especially for foreign travel.

Terror attacks are not restricted to countries like India alone. We are all aware of the 9/11 terror attacks in the US. When there is loss of life because of terror attacks, then that loss cannot be replaced, but losses during foreign travel can surely be covered, provided you have the right travel insurance plan. Today, with the rising threat of terror attacks, you can have terrorists right inside your hotel. To combat that, you can opt for terrorism insurance.

Even your best-planned foreign travel tour or travel abroad trip can get disrupted with travel hazards and emergencies. Even if there are no terror attacks, your foreign travel vacation or travel abroad trip may not be a smooth ride. Travel hazards could range from anything like loss of baggage to medical injuries while you travel abroad. You have no idea what kind of travel hazards may attack you. You may fall sick, hurt yourself, injure yourself while driving, or need medical treatment. All these travel hazards can prove to be very costly. You can say goodbye to all these problems and travel hazards during your foreign travel with the right travel insurance policy. If you choose a good travel insurance plan then you can relax all through your foreign travels. Your travel insurance plan takes care of all kinds of travel hazards. If you want to stay safe from the time you leave home, travel abroad and return back, then go for a good travel insurance plan. Many travel insurance companies in India offer travel insurance plans designed to address travel hazards and help in foreign travel. It is a good idea to weigh the pros and cons of different travel insurance plans and find out which travel insurance suits you best for your travel abroad vacation.

Get travel insurance plan that provides the best coverage including baggage loss, medical evacuation, and travel abroad trip cancellation. Now you can travel abroad in peace without any worries!