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Is A Symbolic Repeal Vote Worth The Time?

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[…] Political analysts generally agree that a repeal vote in the House is likely to pass, but much less likely to clear the Senate. If it did, it would be virtually impossible to override a presidential veto. So the vote next week is basically symbolic – which can also be looked at as a waste of congressional time and resources. A more productive solution might be to start looking for ways to significantly reduce the actual cost of health care. […]

Looking For Ulterior Motives

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Health care costs are rising at a dizzying pace. For most Americans, this translates into increasing health insurance premiums, which are driven mostly by the cost of health care. Getting health care costs under control is a necessary step, and one that politicians generally say is important. But what is said and what is done are not always in line with each other. This outstanding article on Emergency Physicians Monthly is a perfect example of health care costs run amok. […]

Three Years To Iron Out Details For Health Insurance Exchange

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For anyone curious about the logistics that will go into setting up the new health insurance exchanges that will become active in 2014, this Denver Post article is an excellent overview. The article notes that the 2011 legislature will have to pass a bill to set up basic guidelines for the exchange, and a governing structure to oversee the process. There will be monthly committee meetings to hash out the details, and once you start to ponder all of the questions that still remain unanswered, it’s clear why it might take a few years to get the exchange up and running. […]

Humana 2011 Rates Are Official

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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

Cigna 2011 Rates Are Live

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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.

Double Digit Premium Increases Continue In Colorado

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The Colorado Division of Insurance issued a press release on Monday, addressing the fact that health insurance premiums in Colorado are continuing to increase. They reiterated some numbers from earlier this fall, noting that less than 5% of the overall rate increases for next year can be attributed to changes implemented by federal health care reform. The vast majority of the rate hikes that insureds will see in 2011 are due to factors that have been driving health insurance premiums for years, long before federal reform became an issue. As long as the cost of health care continues to rise, the cost of health insurance will rise along with it. […]

Possible Alternatives To The Individual Mandate

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[…] While many other aspects of reform are generally popular (like the provision to allow young adults to remain on their parents’ health insurance until age 26, and the requirement that all policies be guaranteed issue starting in 2014), the individual mandate has raised a lot of hackles, with people feeling that the government is infringing on their rights by telling them that they have to buy a product (and in most cases, that product will come from a private company). […]

Colorado Falls To 13th In America’s Health Ranking

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America’s Health Rankings released their annual report this month, and Colorado fell from 8th place in 2009 to 13th place in 2010. Overall, Colorado does quite well in terms of current health outcomes, but we fall short in terms of some factors that could lead to lower health outcomes over time (insurance coverage, geographic disparity, and immunization rates). […]

Standardized Language For Health Insurance

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[…] In Colorado, all policies have long been required to have a standardized plan description form (separate from the carrier-created marketing brochure), and House Bill 1166 passed earlier this year, requiring that all policy information be written at no more than a 10th grade reading level. But I think that most consumers tend to look at brochures, mailers, online advertising, and other marketing materials designed by each insurance carrier. […]

More Than 200 Waivers Granted By HHS For Limited Benefit Plans

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[…] As of last week, the number of waivers granted by HHS has grown to 222, and more than 1.5 million plan enrollees will continue to be covered next year by policies that provide limited benefits, despite the fact that those policies do not conform to the PPACA rules. Some of the exempted plans cover only a few workers, but some have thousands of enrollees. […]

Even Well-Off Americans Face Problems With Health Care Costs

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[…] People in the US pay a significantly larger chunk of their income for health care (either through health insurance premiums, or directly to providers) than people in other countries. […] Until we can get our health care costs in line with what other developed countries spend, health insurance premiums will continue to be a financial stretch for many families, and cost will continue to be a barrier standing in the way of health care access for a large number of Americans.

Consumer Reports Health Insurance Rankings

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I recently picked up a copy of the November issue of Consumer Reports, which included a section about health insurance. The article featured an interview with President Obama, and a good overview of how the changes included in the PPACA will impact consumers. In addition, Consumer Reports published a ranking of 227 HMO and POS (point-of-service) plans (you have to subscribe to Consumer Reports Health in order to be able to see the details online), according to data compiled by the National Committee for Quality Assurance (NCQA). […]

The Value Of Preventive Care

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[…] I found this article by Dr. Lucy Hornstein to be particularly interesting. Dr. Hornstein takes the view that preventive care does not save money in the long run, and wonders if the provision in the PPACA to provide preventive care to everyone – with no copays or deductibles – is a wise idea. The discussion is made even more interesting with a comment from Maggie Mahar (who was referenced in the article) noting that some preventive care is more worthwhile than others. […]

Most Employers Have Not Enrolled In Early Retiree Reinsurance Program

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[…] a Robert Wood Johnson Foundation report indicates that the majority of employers who offer retiree health insurance benefits have not yet signed up for the program, scheduled to last until the end of 2013. The RWJF study notes that in addition to the many small employers who offer retiree health insurance benefits, there are also about 24,000 large employers who do so. Obviously, most employers have not enrolled in the early retiree reinsurance program yet, and it’s unclear whether they plan to do so or not. […]

The Future Of Employer Based Health Insurance

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[…] I can’t imagine huge numbers of people simply opting to be uninsured if employers stop offering coverage, especially once individual health insurance is guaranteed issue and pre-existing conditions are no longer an issue. I would guess that in 2014 we will see at least some shift away from employer-sponsored coverage in favor of individual health insurance, but I imagine that plenty of employers will continue to offer at least some level of coverage as a way to attract and retain quality employees.

Thoughts On The Postponed Medicare Payment Cuts

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[…] While these changes might not have been warmly welcomed, they will ultimately help to make the system sustainable in the long term. The same could be said for the rest of the health care industry if similar cuts are implemented in other areas. Although the physician reimbursement cuts are unpopular with most doctors, they may be the only way to keep Medicare as a viable payer for seniors’ health care needs. And ultimately, it’s in the best interest of both doctors and seniors to keep Medicare around.

Most Americans Do Not Get To Make Their Own Health Insurance Choices

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This article is not the first I’ve seen that calls into question whether Obama was being truthful when he said that health care reform would be structure so that people would still be able to keep their existing health insurance if they wanted to. And it would seem that his statements did amount to a bit of over-promising. But even before the PPACA came up for a vote, many Americans weren’t in control of whether or not they got to keep their existing health insurance. […]

Grand Rounds Submissions

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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