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Newsbyte: Contraception now almost free!

Posted by shreya , January 20th, 2012

As of today almost all employer-sponsored health plans will be required to cover contraceptives without deductibles, co-pays, etc. 28 states currently require health plans to cover contraceptives to some extent; the new ruling has made them completely cost-free.
The only exception is religious organizations, nonprofits, and places of worship that employ individuals of the same faith.

Major Consumer Protection Policy Kicks In Today

Posted by admin , December 2nd, 2011

Today, the provision known as the Medical Loss Ration will drop. This provision requires health insurance companies to spend 80% of their consumers’ premiums on medical care, as opposed to marketing or overhead costs. If they do not do this, the companies will be required to send back a rebate check detailing the amount they did not spend on medical care.

The Department of Health and Human Services has detailed the parameters for qualification as a medical expenditure, though these rules are still being “fine-tuned”.

Newsbyte: Higher Premiums for Obesity, Smoking

Posted by shreya , October 31st, 2011

In the past, employers have offered various weight loss, diet and nutrition, and smoking cessation classes, but the programs have done little to ameliorate poor health practices – and they’ve failed to pull in a crowd. Now, along with the free programs, many employers are tacking on much higher premiums for unhealthy employees.

While the programs will remain voluntary, employees will likely find that utilizing them will be beneficial in the long run. From lowered premiums to employer bonuses to HSAs, the financial rewards for taking advantage of the programs are likely to be a big push for employees. For example, Union Pacific employees can currently receive up to $300 in employer contributions to their HSAs if they complete a provided health assessment, don’t use tobacco, and go in for an annual physical.

According to Reuters almost 40 percent of employers will begin hiking premiums for unhealthy employees in 2012, more than doubling the 19 percent of employers using the penalty strategy this year.

Newbyte: CA passes 3 new health care laws

Posted by shreya , October 10th, 2011

Califonia gov. Jerry Brown made his way through approximately 140 proposed laws in time for a midnight deadline. Among the new CA laws passed are the following:

  • Insurers are required to provide autism coverage.
  • Children aged 12 and above are given access to STD-preventive care sans parental consent.
  • Cancer-causing tanning beds are now illegal for use by teenagers under the age of 18, in an effort to curb early-onset skin cancer and exposure to known carcinogens.

A Quick Look at 2011-2012 Health Care Cases in the Supreme Court

Posted by shreya , October 2nd, 2011

It’s that time of the year again, folks! The Surpreme Court’s 2011-2012 term began yesterday on Oct. 1, and a number of cases have reached the Court’s desk, two of the which have important implications for health care.
According to Andrew Cohen at The Atlantic, “in Caraco Pharmaceutical v. Novo Nordisk, the justices will broker a dispute between generic drug manufacturers and their brand-name counterparts. And in Mayo Collaborative Services v. Prometheus Laboratories, the justices will return again to the issue of whether a doctor’s diagnostic methods may be patented”.
The former, Caraco Pharmaceutical v. Novo Nordisk could massively impact prices of pharmaceuticals and the consumer’s access to generic drugs. The Mayo Collaborative Services v. Prometheus Laboratories case examines whether labs can patent certain diagnostic tests.
The star of the health care cases, however, is the Affordable Care Act. The constitutionality of reform has long been a subject of debate, and CNN predicts that we may have a verdict on the case by next June.
So keep your eyes peeled: there are big cases coming up in the high courts!

Institute of Medicine: Birth Control as Preventive Care

Posted by shreya , July 20th, 2011

The non-partisan Institute of Medicine has recommended making birth control available to women for free as preventive care under health reform. The jury is still out on this one, but what do you think — should contraceptives be provided as preventive care for women?

Newsbyte: HHS to collect data on LGBT community

Posted by shreya , July 5th, 2011

Last week Health and Human Services Secretary Kathleen Sebelius announced that HHS would start to collect health data on the lesbian, gay, bisexual and transgender (LGBT) community, as well as introduce new standards for reporting and collecting data on ethnicity, sex, disability status, etc.

“Health disparities have persistent and costly affects for minority communities, and the whole country,” Sebelius said. “Today we are taking critical steps toward ensuring the collection of useful national data on minority groups, including for the first time, LGBT populations. The data we will eventually collect in these efforts will serve as powerful tools and help us in our fight to end health disparities.”

On the rise: Workplace Health Care

Posted by shreya , May 26th, 2011

Earlier this week we blogged about insurer-run retail clinics. A report from the Washington Post has pinpointed a new trend in insurer-run clinics: workplace health care. In the past, workplace clinics served a basic first-aid purpose for on-the-job injuries. Recently, employers have broadened the clinics to encompass more primary care oriented service. Of employers with 500 plus employees 15 percent already had on-site clinics with primary care services in 2010, according to consulting firm Mercer, and another 10 percent were considering the possibility.

What’s in it for the employer?

The employer’s motivation is twofold according to senior health researcher Ha Tu: providing immediate and consistent primary care could prevent potentially costly health issues in the long run; employees would also be given treatment that corresponds to their individual needs via evidence-based guidelines, leading to fewer outside tests and referrals.
According to physician Bruce Hochstadt at Mercer’s on-site clinic employers are also worried about adding a burden to the current strained health care system, especially in light of the addition of over 30 million health care recipients newly-qualified under the Affordable Care Act. Workplace health care may help alleviate some of the load. However, the future of on-site clinics after 2014 has been called into question – there is concern that health care and health care services may no longer be offered by employers in light of 2014’s health exchanges. But for now, on-site clinics are on the upswing.

What’s in it for insurers?

A large part of the draw for insurers is increased cost control and marketing opportunity. By providing care directly to the consumer insurers can get more hands-on with medical costs as well as begin marketing to the 30 million plus who will be required to purchase health care in 2014. According to CEO John Gorman of Gorman Health Group, insurers are currently more interested in controlling the spending of money as opposed to making money. “When you own the facility and you own the people who work there, it’s a lot easier to shape it in a way that conforms to the economic necessities of the local market,” Gorman said. The approach is akin to that of hospitals, which have recently begun to invest in clinics and primary care services alongside emergency care.

What’s in it for you?

For most working Americans, who spend 40 plus hours at the workplace per week according to the Bureau of Labor Statistics, on-site clinics are a practical option for basic health care services. Additionally, the clinics tend to have lower prices than community-based clinics. Provided services can range from basic annual physicals to long-term health management for chronic disease.

How would you feel about an on-site clinic at your workplace? Would you use one? Do you already have one? Let us know in the comments!

New HHS Strategy: Quality, Prevention and Costs

Posted by shreya , March 29th, 2011

Revealed on March 21, the new reform-mandated National Strategy for Quality Improvement in Health Care from the Department of Health and Human Services provides guidelines and examples of priority quality-improvements. The plan has been applauded by hospitals and providers for the focus on prevention, wellness, consumer-centeredness, and the community-based style.

In the 23-page strategy, HHS’ three main goals — of promoting quality of healthcare, improving the health of the population, and affordable health insurance — are put into action by an array of six outlined aims.

In addition, HHS set forth 10 principles by which to execute projects centered around quality-improvement. Among these, HHS has required that payment models incentivize good health habits and highlighted the value of health IT as well as innovation in improving the quality of health care.

Called upon by the Affordable Care Act the National Quality Strategy will include concrete metrics, best practices, goals and up-to-date research after consultation and development during the first year’s strategy. Currently the strategy follows the lead of successful earlier initiatives and aims to build on them.

A major aim of HHS and the National Quality Strategy is to address the leading causes of mortality and communal wellness. The strategy begins by zeroing in on cardiovascular health, which comprises one in three deaths in the U.S. It hopes to promote cardiovascular health by encouraging weight control, exercise and addressing smoking. Based on this initial utilization of the strategy, HHS will then take on other major diseases such as diabetes and cancer. They also hope to lower instances of healthcare-acquired infections, which can cost up to $5 billion per year. HHS has also created a research institute to aid in the development and implementation of future strategy.

Healthcare Reform Prevents Many Children From Obtaining Health Insurance

Posted by scott , October 1st, 2010

Healthcare reform is rolling out piece by piece. As of last week, insurance plans may no longer deny children based on pre-existing conditions or exclude (rider) these pre-existing conditions when offering coverage.

Sounds great, right? Unfortunately, this change created unintended consequences. Children that would have otherwise had coverage in the “old world” are now left unable to obtain health insurance with most of the nation’s carriers. Why?
Insurance companies no longer allow children to apply for individual policies.

Read the rest on this major consequence of reform.

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