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Colorado Health Insurance Insider

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You are here: Home / Archives for Jay Norris

About Jay Norris

Jay operates a health insurance brokerage in Colorado, where he helps individuals and small groups obtain and maintain health insurance coverage.
Complimenting his work as a health insurance broker, Jay is also a data analyst working to create visualizations that are easily understood by consumers and other stakeholders in Colorado’s health insurance market.

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Recent posts by Jay Norris
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Health Wonk Bloggers Think The Supreme Court Will Rule In Favor Of The ACA

March 30, 2012 By Jay Norris

[…] When I browsed around on most of the mainstream media regarding the Supreme Court and the ACA, I kept seeing predictions that the Court will ultimately find the individual mandate unconstitutional and either strike down that part of the law or return the whole ACA back to congress for a re-do (based on perceived negativity towards the law on the part of the Justices). But interestingly enough, all three blog posts in the HWR that dealt with this issue had the opposite opinion (and of course, at this point, all we can do is speculate and have opinions – nobody really knows how the Court will rule). They all take the position that the court is likely to rule in favor of the ACA and the individual mandate, or at least that the reports saying that the mandate is doomed are greatly exaggerated.

Sage’s article also notes that the Justices seem to be well aware of the problem of adverse selection (an issue that we’ve written about numerous times – guaranteed issue without a mandate either results in significant adverse selection or exorbitant health insurance premiums and few options for coverage). This is one of the major concerns that arises if we talk about doing away with the individual mandate, so it’s good that the Supreme Court is taking it into consideration (Sage notes that the lower courts didn’t seem to do so).

Now we just have to wait three months to see who’s right.

Filed Under: Affordable Care Act (ACA), Health Care Goodies, Health Care Reform, Individual/Family Health

Colorado Child-Only Open Enrollment Details For January 2012

December 15, 2011 By Jay Norris

The next open enrollment for child-only policies is almost here, so I thought it might be helpful to provide some specific details in terms of what policies are available and what parents should expect when submitting child-only applications next month.

The first open enrollment window in 2012 will be the month of January. Applications for child-only policies have to be submitted between January 1 and January 31. Application not submitted by the end of January will have to wait and re-submit in July, which is the second open-enrollment period of the year. For most carriers, each child in a family will have to have a separate application.

All eligible child-only applications submitted during the open enrollment period are guaranteed issue, so the child cannot be refused coverage. However, the applications are still medically underwritten and the rate can be increased by up to 200% based on the child’s medical history (so if the standard price is $100, the policy could actually be assigned a rate of $300, which is equal to a 200% rate increase).

Colorado Senate Bill 128 requires all Colorado health insurance carriers that offer coverage for adults to also offer child-only plans during the two annual open enrollment windows. But the bill does not require carriers to provide guaranteed issue coverage for children who are eligible for health insurance from another source (other than a high risk pool like CoverColorado or GettingUSCovered – see the bottom of page 4).

Most Colorado carriers have selected one or two plan designs that will be available for child-only applications next month. To give you an idea of what is available in Colorado for child-only coverage, we’re providing information here regarding child-only options from six of the top individual health insurance carriers in the state. […]

Filed Under: Anthem Blue Cross, Cigna, Humana, Individual/Family Health, Insurance Companies, Kaiser Permanente, Rocky Mountain, United Healthcare

Access To A Mini-Med Group Plan Does Not Prevent CoverColorado Enrollment

December 14, 2011 By Jay Norris

[…] The person I spoke with at CoverColorado checked with a supervisor and then told me that mini-meds are an exception to CoverColorado’s rule banning eligibility for people who have access to group health insurance. In order to qualify, the applicant has to provide the usual proof of eligibility along with proof that their employer’s group health plan is a mini-med. This can be the declarations page from the policy or marketing materials for the plan (which now have to include language indicating that the plan has been granted a waiver by HHS and does not meet the minimum benefit requirements defined by the PPACA).

Hopefully this will clarify things for others in a similar situation. Normally, access to a group health insurance policy (even if it’s one you don’t like or your doctor isn’t on the network, etc.) makes a person ineligible for CoverColorado. But if that group plan happens to be a mini-med and you also meet the other eligibility criteria for CoverColorado, you can submit an application to CoverColorado.

Filed Under: Group Health, Individual/Family Health

Kaiser Permanente Announces Plans to Add Coverage in Fort Collins, Loveland and Greeley

December 13, 2011 By Jay Norris

Yesterday, Kaiser Permanente filed for approval with the Colorado Division of Insurance to offer health care coverage in Northern Colorado beginning in late 2012. This expansion will include new Kaiser Permanente medical offices in Fort Collins, Loveland and Greeley, a contracted network of community providers and an exclusive hospital agreement with Banner Health hospitals and physicians. Technically, people in Loveland zip codes can already get coverage with Kaiser, but the closest facilities are in Longmont.

We don’t know yet if this expansion will include coverage for employer group as well as individual/family plans. For example, Kaiser has coverage in Colorado Springs, but only for employer groups. Individual/family coverage for Kaiser is limited to the south Denver metro area up through […]

Filed Under: Kaiser Permanente

Kaiser Permanente Colorado Gets Top NCOA Ranking

November 3, 2011 By Jay Norris

Kaiser Permanente Colorado is the highest-rated private health insurance plan in Colorado and one of the top-ranked private health plans (#6) in the nation for clinical performance and effectiveness, as well as member satisfaction, according to new rankings by the independent, non-profit National Committee for Quality Assurance (NCQA).
Kaiser is one of the top 10 plans in the nation in 36 of the 40 health outcome measures, recognizing high quality clinical care

Filed Under: Kaiser Permanente

Walgreens Leaving Express Scripts Network

November 3, 2011 By Jay Norris

If you’re insured through Anthem Blue Cross Blue Shield or another carrier using the Express Scripts network, Walgreens will be leaving the network on January 1, 2012. Express Scripts just posted on their website:
“At Express Scripts, we’re committed to keeping your prescription drugs affordable and accessible. That’s why we negotiate cost-competitive agreements […]”
Express Scripts is sorry that Walgreens did what they did and has expressed sincere regret about the situation:
“We regret any inconvenience that Walgreens’ actions have caused you. If you have any questions, please call us at 1.877.885.3409.”

Filed Under: Anthem Blue Cross

Accepting Grand Rounds Submissions

October 2, 2011 By Jay Norris

We’re honored to be hosting the next Medical Grand Rounds on October 4th, our fourth time to host! Grand Rounds is a weekly gathering of the best health and medical articles written by doctors, nurses, students, patients, and others in health care related professions.

Filed Under: Health Care Goodies

IRS 2012 HSA Contribution Limits

May 18, 2011 By Jay Norris

The IRS announced that the contribution limit for an individual would increase by $50 in 2012, from $3,050 to $3,100. The family contribution limit is increasing from $6,150 to $6,250 (+$100).

The maximum annual out-of-pocket increased as well. The individual out of pocket maximum is going from $5,950 to $6,050. The family out of pocket maximum is increasing from $11,900 to $12,100.

The minimum deductible on an HSA qualified plan remained the same, $1,200 for individuals and $2,400 for families.

For more details about HSAs and HSA qualified plans, visit our HSA page.

Filed Under: HSA

Facebook Poll: Will the health care reform bill (PPACA) get repealed before 2014?

April 21, 2011 By Jay Norris

Do you think health care reform will get repealed? Answer the Facebook poll here:

http://www.facebook.com/home.php?sk=question&id=10150229980216181

Filed Under: Health Care Reform, Health Insurance Reform

United HealthOne Finally Changes Initial Charge Protocol

March 23, 2011 By Jay Norris

Good news for those applying to United HealthOne:
Beginning with applications received on March 24, 2011, the processing of credit card or EFT payment will not take place until the application is approved and issued.
It’s about time. It was tough to explain to clients “and yeah, they’re going to charge you before they’ve even made a decision.”

Filed Under: United Healthcare

Aetna Withdrawing from Colorado Individual Health Insurance Market

January 28, 2011 By Jay Norris

Aetna no longer offers health insurance plans for individuals, families and the self employed plans in Colorado.  Their explanation: After reviewing our portfolio of Individual health insurance plans in Colorado, we determined we can no longer meet the needs of our customers while remaining competitive in the individual health insurance market. While this decision was not… Read more about Aetna Withdrawing from Colorado Individual Health Insurance Market

Filed Under: Aetna

Cavalcade of Risk #122 Is Up

January 12, 2011 By Jay Norris

David Williams has done a great job with the latest Cavalcade of Risk. Take a minute to stop by and check it out.

Filed Under: Health Care Goodies

United HealthOne Plans Available in Colorado on January 13th

January 10, 2011 By Jay Norris

United Health has notified us that they’re ahead of schedule and will have rates, plan descriptions and applications ready by January 13th.  Quotes and applications for United Health medical can be done here.  Quotes and applications for dental and vision can be done here.

Filed Under: United Healthcare

Humana 2011 Rates Are Official

December 30, 2010 By Jay Norris

Clients in Colorado can now get quotes and apply for HumanaOne with effective dates of 1/1/2011 or later.  Remember, these will include maternity coverage as a base benefit.  Existing members with an Enhanced, Copay, HSA, or Value plan will receive these benefit changes at the time of their renewal. For clients who have an Autograph,… Read more about Humana 2011 Rates Are Official

Filed Under: Humana, Individual/Family Health, Insurance Companies

Cigna 2011 Rates Are Live

December 29, 2010 By Jay Norris

Cigna is quoting 2011 rates on their online quote tool. And our quote comparison engine is being updated right now and will be quoting Cigna soon. Click through to the article for links.

Filed Under: Cigna

Anthem Blue Cross, Assurant, and Rocky Mountain Quoting 2011 Plans and Rates

December 20, 2010 By Jay Norris

Anyone looking to compare plans with 2011 rates can start with Anthem BCBS, Assurant, and Rocky Mountain Health Plans (get quotes here).  These will include maternity coverage. More coming this week….

Filed Under: Anthem Blue Cross, Individual/Family Health, Insurance Companies, Maternity/Pregnancy, Rocky Mountain

Last Day To Submit Cigna and Aetna applications for 2010 rates

December 14, 2010 By Jay Norris

Make sure to get Cigna and Aetna applications in if you want 2010 rates. Cigna has specified 10pm MST as the deadline. For the online applications, click through to the post for the links[…]

Filed Under: Aetna, Cigna

Grand Rounds Submissions

November 23, 2010 By Jay Norris

We’re honored to be hosting the next Medical Grand Rounds on November 30th. Grand Rounds is a weekly gathering of the best health and medical articles written by doctors, nurses, students, patients, and others in health care related professions.

Please submit your favorite articles to Louise at louisen78 [at] gmail [dot] com before 10:00pm MST of November 29, 2010.

Please include the authors name, article title, url, and a brief description of the article.

This week, enjoy the first Grand Rounds to ever be hosted on Facebook by Amanda Brown DVM

Filed Under: Individual/Family Health

Amendment 63 Defeated In Colorado Despite False Advertising

November 4, 2010 By Jay Norris

Three states had ballot initiatives this week that attempted to outlaw the mandate in the PPACA that requires everyone to have health insurance starting in 2014. Colorado was the only state that did not approve the measure. Voters in Colorado defeated Amendment 63, which would have made it illegal for the state of Colorado to force people to buy health insurance. Even if it had been approved by voters, it would have been a symbolic measure, as the mandate requiring all of us to have health insurance coverage as of 2014 is a federal law, and thus supersedes state laws. […]

Filed Under: Health Insurance Reform

IMG Europe Wins Award

October 26, 2010 By Jay Norris

IMG Europe just won Best International PMI Provider at the Health Insurance Awards 2010. IMG Europe is a subsidiary of International Medical Group Inc. – one of the most popular travel insurance benefits providers […]

Filed Under: Accident/Injury, Individual/Family Health, Providers, Travel

CBS Story Leaves Out Important Options For Kids

September 23, 2010 By Jay Norris

[…] As I said, I have no knowledge of this particular family’s situation. But child-only policies have always been rare, and there is usually another option for those children to obtain coverage. They can be covered as a dependent on a parent’s policy (which can now include policies in the individual market), by Cover Colorado, or possibly by Medicaid or CHP+. Even situations like Thomas Wilkes, who was maxing out the lifetime caps, now has a solution because Healthcare Reform has removed lifetime maximums. There is a long way to go, and this situation is frustrating. But if you ever hear anybody say that they have no options to get their child covered in Colorado, please pass this information along. I hope that Mr. Serrano signs Maria up for some health insurance today, whether it is on a family policy with him, Cover Colorado, or CHP+. We should not be hearing anymore stories about uninsured children simply because their parents aren’t aware of the options available.

Filed Under: Health Insurance Reform, Individual/Family Health

Quoting Blackout On Most Plans and Effective Dates

September 17, 2010 By Jay Norris

Many plans with most carriers still haven’t gotten the rates approved past 9/23. These plans with carriers like Anthem BCBS can still be quoted with effective dates of 9/22 and before.
Carriers like Cigna only have 1st and 15th of the month effective date options. Therefore, rates and plans are not being quoted at all until the DOI approves their rates. Hopefully any moment.
Make sure to subscribe via email or follow us on Facebook for rate approval updates.

Filed Under: Aetna, Anthem Blue Cross, Humana, Individual/Family Health, Insurance Companies, Kaiser Permanente, Rocky Mountain, United Healthcare

UnitedHealthOne Erroneous Email

September 14, 2010 By Jay Norris

Yesterday, September 13th, UnitedHealthOne (Golden Rule) sent out an erroneous email to individual/family clients:

“Thank you for choosing a UnitedHealthOne Insurance plan. Payment is currently past due and your plan may be at risk of lapsing. In order to make a payment over the phone, please contact Client Services at 1-800-657-8205 or your broker […]”

If you call the client services number given, an automated message will play before the list of options:

“Please note, if you received an email on Monday about your premium, please disregard this as it is an error and we apologize for any inconvenience.”

Filed Under: United Healthcare

IRS 2011 HSA Contribution Funding Limits

June 20, 2010 By Jay Norris

The IRS has just issued Revenue Procedure 2010-22, which outlines the 2011 cost-of-living contribution and coverage adjustments for HSAs, as mandated under Code Section 223(g). The limits for 2011 are unchanged from 2010.
HDHP Minimum Deductible:
You must still have coverage under an HSA-qualified “high deductible health insurance plan” (HDHP) to open and contribute to an HSA. Federal law still requires that in 2011 the health insurance deductible be at least […]

Filed Under: HSA, Policy

Dentists Overprescribing Antibiotics and Avoiding Health Care Reform

May 20, 2010 By Jay Norris

[…] MD Whistleblower had a couple good observations:
– Dentists prescribe prophylactic antibiotics (ATBs) with routine recklessness… Many dentists irrationally prescribe ATBs before teeth cleanings and other procedures.
– Not a syllable in the ~2000 page health care reform law that affects dentists.

Filed Under: Dental

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