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You are here: Home / Archives for Individual/Family Health

Individual/Family Health

Consumer-Driven Healthcare Debate

November 30, 2011 By Louise Norris

[…]prior to reading Ungar’s article I wasn’t aware of the agreement between the Independent Physicians Association and Rocky Mountain Health Plans with regard to Medicare and Medicaid reimbursement. The doctors in the IPA were so determined to treat every patient equally that they worked out an arrangement with RMHP to have the insurance carrier accept payment directly from Medicare and Medicaid and then pool that money together with premiums collected from RMHP insureds.
[…] Hixon argues that patients with more financial responsibility for their own care do indeed make better decisions regarding efficient use of healthcare dollars. Furthermore, he cites a study that found that patients with high deductible health insurance policies (eg, HSA qualified plans) had more preventive care, lower rates of hospitalization, and were more compliant in terms of following their doctors’ recommendations. They were also more likely to question their medical bills and had overall lower medical costs than people with traditional low-deductible policies.

[…] In addition to probably being above average in terms of financial savvy, I would assume that the demographic that opts for high deductible health insurance is also probably healthier than average. It makes sense that the more health problems a person has, the more likely he’ll be to choose a lower-deductible policy, since he knows he’s likely to be using the policy at least somewhat regularly. On the other hand, a person with no health conditions at all is probably making a good gamble to select a high deductible policy, since there’s a decent chance he’ll be able to go for several years without having a major claim. So the fact that people with HDHPs have lower medical costs isn’t really surprising. It’s largely a self-selected group (employers who offer an HDHP usually offer another plan as well, and everyone shopping for individual health insurance who picks an HDHP has other options from which to choose). I’m not sure that medical costs would still be lower for people with HDHPs if they policy designs were assigned randomly across the entire population.

Filed Under: Accountable Care Organizations, Grand Junction, HSA, Individual/Family Health, Insurance Companies, Rocky Mountain

Access To Healthcare In Colorado Worsening

November 26, 2011 By Louise Norris

The Colorado Health Access Survey results were released earlier this month, and the results aren’t particularly surprising given the state of the economy for the past few years. The total number of uninsured Colorado residents is now 829,000 – up from 678,000 in 2009. The survey also counts the number of “underinsured” residents (those who aren’t able to afford their out-of-pocket expenses that total more than 10% of their income, or 5% for those below the poverty line). The two categories – uninsured and underinsured – amount to 1.5 million people, which is about a third of the Colorado population.

The 22% increase in the number of uninsured residents came despite strong efforts in Colorado to expand access to Medicaid and CHP+ over the past few years. Without the expansion of those programs, the numbers would undoubtedly be even more bleak. […]

Filed Under: Grand Junction, Group Health, Health Care Goodies, Health Care Reform, Health Insurance Exchanges, Individual/Family Health

Employer Funding Of Individual Health Insurance Varies By State

November 20, 2011 By Louise Norris

Over the past several months, I’ve written a few articles about the legality of employer reimbursement of individual health insurance premiums in Colorado. Our friend and fellow blogger Hank Stern (writing at InsureBlog) found the changes interesting, and noted that the laws surrounding employer reimbursement of premiums vary quite a bit from one state to another (he’s in OH).

Hank and I wrote a joint post about the topic, which he published last week on InsureBlog. Here’s Hank’s description of how the law works in OH (regular readers will note that it’s similar to how things used to be here in Colorado, before HRAs became a major issue, and of course before SB19 passed earlier this year). […]

Filed Under: Group Health, Health Care Goodies, Health Care Reform, Health Insurance Reform, HRA, Individual/Family Health

Being A Savvy Healthcare Consumer Is Tougher Than It Sounds

November 13, 2011 By Louise Norris

[…] I’ve long been a fan of high deductible, HSA qualified health insurance policies (our family had one until very recently when we switched to a high deductible plan that isn’t HSA qualified but has much lower premiums). But I’ve also always been aware that we’re fortunate to be able to utilize a high deductible health insurance policy – both in terms of being healthy and not needing much in the way of healthcare, and also in our ability to make contributions to our HSA to cover the cost of care we might need in the future. People who have serious health conditions and/or those with very limited funds […] When it comes to actually being a savvy consumer of healthcare, the vast majority of us wouldn’t even know where to begin. Google? Asking friends? Maybe, but chances are, we’re going to go to a doctor and follow (at least roughly) the recommendations the doctor makes. Most of the time, providers are the ones who control how much care a patient receives ie, it’s the supply that’s driving things, rather than the demand. We might know that something’s not right and take the initial step of going to the doctor. But what happens next (surgery? PT? wait and see? Medication? etc.) is generally up to the doctor. As Michelle pointed out, the patient’s number one priority is going to be getting better, especially if the problem being treated is a serious one. Shopping around for the best price and poring over comparative effectiveness research data probably isn’t going to be high on most patients’ lists.

Filed Under: Health Care Goodies, HSA, Individual/Family Health, Travel

More Flexibility With An Individual Health Insurance Plan

November 9, 2011 By Louise Norris

[…] For the average person who has had an individual policy for a decade and is late 50s-ish, keeping that individual policy (even though a group plan may become available) might be the ticket to being able to have some flexibility in terms of when to retire. The group plan is guaranteed issue – health conditions won’t be a barrier to getting coverage. But the group plan is also tied to the current employer, and the policy will only be available for a maximum of 18 months after you leave that job (via COBRA). […] Linda’s article is an excellent reminder about the importance of looking at the specifics of your own situation – including long term issues that might outweigh short-term benefits – rather than following conventional wisdom or doing what everyone else is doing.

Filed Under: Anthem Blue Cross, Health Care Goodies, Health Care Reform, Health Insurance Reform, HSA, Individual/Family Health

Colorado’s Average 2012 Premium Increase Is The Smallest Since 2000

November 7, 2011 By Louise Norris

[…] I’m sure there will still be people who falsely claim that Colorado’s maternity mandate and federal reform are the reason for any increase. But when we place the 2012 increase in context with the increases we’ve seen over the past decade, it becomes harder to blame recent reform laws for the 2012 premium increases. I’m glad to see that after a year of having guaranteed issue coverage for children, no lifetime maximums, more comprehensive preventive care, and maternity benefits on all new and renewed individual policies, we are seeing the lowest average rate increase in over a decade.

Filed Under: Colorado Division Of Insurance, Health Care Goodies, Health Care Reform, Health Insurance Reform, Individual/Family Health

Employer Reimbursement Of Premiums Causing Applicants To Be Declined

November 4, 2011 By Louise Norris

[…] I know that the law was written with good intentions, but we’re noticing that it’s the employees – the applicants who are trying to get individual health insurance policies – who get the short end of the stick. It’s the employees who end up getting their health insurance application declined. It’s the employees who end up having to pay for their own premiums in order to obtain coverage, even if they thought that they were going to be able to rely on some level of reimbursement from their employer.

Filed Under: Colorado Division Of Insurance, Group Health, Health Care Goodies, Health Care Reform, Health Insurance Reform, Individual/Family Health

Comparative Effectiveness Research Fee To Be Added To Premiums In 2012

November 2, 2011 By Louise Norris

[…] This fee is similar to the one that is assessed to pay for CoverColorado (except that it’s a much smaller amount). Basically, carriers will collect the fee from members and then pass the money on to the Patient-Centered Outcomes Research Institute, much the way carriers pass on the CoverColorado fee. The fee will not be counted as premiums for the purpose of calculating medical loss ratio numbers, and should not be confused as being part of the premium that we pay for our health insurance.

Filed Under: Health Care Goodies, Health Care Reform, Individual/Family Health, Insurance Companies, Rocky Mountain

Possible Solutions For Long Term Care Funding Problems

October 31, 2011 By Louise Norris

[…] As long as we’re looking at a fragmented public/private hodge podge of long term care funding that includes Medicaid, private long term care insurance, private assets, and help from family and friends, I think it’s important that we look for ways to make things as fair as possible and also keep Medicaid financially afloat. The CLASS Act got nixed from the ACA, but the problem of funding long term care isn’t going away, and is only going to grow as the baby boomer generation ages. John’s article is a good one to read if you’re interested in possible solutions.

Filed Under: Health Care Reform, Health Insurance Reform, Individual/Family Health, Insurance Companies, Medicare, Medigap

World Insurance And American Republic Leaving Individual Market

October 27, 2011 By Louise Norris

[…] The rep I spoke with at World Insurance said that it wasn’t clear yet which states will be in the November round of notifications, so we aren’t sure when World/American Republic policyholders in Colorado will be officially notified that their carrier is leaving the market. But I confirmed with both World Insurance and Celtic that the change is happening and that the initial stage of it will begin next month. Colorado residents who are currently covered by either World Insurance or American Republic would be wise to begin looking for other health insurance options. […]

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

Health Insurance Exchange Payroll and Admin Expenses

October 20, 2011 By Louise Norris

[…] One of the comments on the post was from Dede de Percin, the Executive Director of the Colorado Consumer Health Initiative (CCHI). […] Dede’s comment on my article referenced the point I made about consumers not having to pay additional fees to have a broker. Basically, health insurance is priced the same whether you go directly through a health insurance carrier (calling Anthem Blue Cross Blue Shield directly, for example) or through a broker (who will compare options from multiple carriers for you). Dede made this point:
“While a consumer or business doesn’t not pay a health insurance broker directly, broker fees and commissions are paid by the insurance companies – and rolled into […]”

Filed Under: Anthem Blue Cross, Cigna, Colorado Division Of Insurance, Health Care Reform, Health Insurance Exchanges, Health Insurance Reform, Individual/Family Health, Insurance Companies

Conflicting Data Regarding Medical Costs

October 13, 2011 By Louise Norris

[…] These numbers are much more in line with the rise in health insurance premiums that we’ve seen over the past few years. I have no explanation for why the data from the two sources is so dramatically different in terms of medical trend in 2010, but if the trend was really closer to 7.5% rather than 1.7%, the health insurance premium increases would be a lot easier to understand. […] In addition to the MLR rules, some states (including Colorado) have implemented strict review processes for rate hikes. The ACA now calls for insurers who propose a rate hike of 10% or more […]

Filed Under: Colorado Division Of Insurance, Group Health, Health Care Goodies, Health Care Reform, Health Insurance Reform, HSA, Individual/Family Health, Insurance Companies

Stuck In A Mini-Med

October 6, 2011 By Louise Norris

[…] So he applied for an individual policy with Anthem Blue Cross for his family, and was approved. But then when he tried to cancel his mini-med plan, his employer told him that he couldn’t cancel it until the open enrollment period next April. It would seem that trapping enrollees into a year-long contract with a mini-med plan is not in line with the spirit of the HHS guidelines that call for full disclosure regarding the waivers and directives to steer enrollees towards healthcare dot gov if they are interested in getting a policy that does comply with the ACA rules regarding annual policy limits. […]

Filed Under: Anthem Blue Cross, Colorado Division Of Insurance, Group Health, Health Care Goodies, Health Care Reform, Health Insurance Reform, Individual/Family Health

A Great Cavalcade And Some Good Advice About Life Insurance

September 23, 2011 By Louise Norris

[…] a good one for people considering such a product – or really, most any very specific life insurance policy that only covers a particular debt, like your car loan, mortgage, or credit card balance. A regular term life insurance policy will likely be a much better value and can be used by your dependents to pay off whatever debts you may have and cover their own cost of living.

Filed Under: Individual/Family Health

Decline And Rate Up Statistics – Interesting But Confusing

September 12, 2011 By Louise Norris

[…] Your policy will cost the same amount regardless of whether you use a broker, but an experienced broker will be able to help you make sense of the plan comparison information, including the underwriting statistics. A policy or carrier’s statistical likelihood of declining or rating up any one application isn’t really relevant to each specific client… what is relevant however, is each carrier’s underwriting guidelines for the particular pre-existing condition the applicant has. […]

Filed Under: Anthem Blue Cross, Cigna, Health Insurance Reform, Individual/Family Health, Rocky Mountain, United Healthcare

Colorado DOI Improving Transparency Of Rate Review Process

September 8, 2011 By Louise Norris

[…] This should help boost public participation in the rate review discussion, and add to the general understanding of how the rate review process works. The DOI is obviously working hard to create as much transparency as possible with regards to rate increases. Rates will continue to increase as long as the cost of health care continues to climb (and as long as we continue to increase our utilization of health care) but at least the logic behind the rate increases will be more clear.

Filed Under: Anthem Blue Cross, Colorado Division Of Insurance, Individual/Family Health

Seeking Certainty

August 19, 2011 By Louise Norris

[…] And finally, if the Supreme Court is going to hand down a ruling like the one we got from the Appeals Court last week, we need to know that as soon as possible too. If the individual mandate does indeed end up being tossed out, the health care reform law will need an awful lot of compromises and revisions in order to make it tenable. Perhaps I’m being overly pessimistic, but given the level of compromise we’ve seen from the political system over the last decade or so, I have a hard time seeing how the PPACA could go on with one of its major provisions deleted. […]

Filed Under: Health Care Reform, Health Insurance Reform, Individual/Family Health, Insurance Companies

Standardized Policy Descriptions Coming Soon

August 18, 2011 By Louise Norris

The Colorado Health Plan Description Form isn’t exactly the same as the forms that HHS will require carriers to make available next year, but it’s similar in many ways, and carriers in Colorado have been issuing these standardized plan summaries for nearly 14 years. As well as outlining the coverage provided, the new forms will include “coverage examples” that will show potential customers how the plan would cover three common medical scenarios: breast cancer, maternity care, and diabetes. […]

Filed Under: Colorado Division Of Insurance, Health Care Reform, Health Insurance Reform, Individual/Family Health

August Open Enrollment Period For Child Only Policies In Colorado

August 16, 2011 By Louise Norris

For parents looking for child-only policies in Colorado, we are in the middle of the 2011 open enrollment period, which will end August 31st. All carriers that offer individual health insurance policies for adults must also offer (during open enrollment periods only) at least one plan option for a child applying without an adult on the policy. This is pursuant to Colorado Senate Bill 128, which was signed into law earlier this year. Following the passage of SB128, the Colorado Division of Insurance stepped in to clarify the issue with emergency regulation E-11-03, which has specific details about the implementation of the law. […]

Filed Under: Anthem Blue Cross, Colorado Division Of Insurance, Health Insurance Reform, Individual/Family Health

More On Health Insurance Exchanges

August 8, 2011 By Louise Norris

[…] We need exchanges that are easy to navigate, accessible for people who are not fluent in English, and that provide seamless access to the subsidies that the PPACA provides to help people afford health insurance. I’ve already pointed out that we’re going to have to walk a fine line in terms of keeping things fair for both insureds and insurers, in order to attract as many enrollees and high quality insurers as possible to the exchanges. […]

Filed Under: Health Care Reform, Health Insurance Exchanges, Individual/Family Health

The Challenge Of Creating Unbiased Health Insurance Exchanges

August 2, 2011 By Louise Norris

[…] In order to attract high-quality health insurance carriers to the exchanges, we have to make sure that the exchanges represent a business environment that is appealing to carriers. We also have to make their appealing and fair to consumers, in order to attract enough people into the exchanges. To work well, the exchanges will need to have a delicate balance between the interests of consumers, providers, and health insurer carriers, with no one group more heavily favored than another.

Filed Under: Group Health, Health Care Reform, Health Insurance Exchanges, Health Insurance Reform, Individual/Family Health, Medigap

HHS Guidelines For Women’s Healthcare

August 1, 2011 By Louise Norris

HHS today announced new PPACA guidelines pertaining to women’s health, listing several services that must be covered by health insurance plans with no cost sharing by the insured. In scrolling through healthcare news this morning, I saw numerous headlines stating that birth control and breast pumps must be covered by health insurance with no copays. This is true, but the requirements don’t take effect for another year (August 1, 2012) and will apply to new policies that begin on or after that date. […]

Filed Under: Group Health, Health Care Reform, Health Insurance Reform, Individual/Family Health

A Good Summary Of The HHS Proposed Regulations For Exchanges

July 21, 2011 By Louise Norris

[…] The proposed regulations from HHS for the exchanges come to 244 pages, but Timothy notes that they are “practical, sensible, and functional” and that HHS tried to simplify things wherever possible, rather than complicate them. For anyone who wants to get the gist of the proposed regulations without reading the 244 pages that HHS released this month, I highly recommend that you check out Timothy’s article. […]

Filed Under: Health Insurance Exchanges, Health Insurance Reform, Individual/Family Health

Employer Funding of Individual Health Insurance – The Rules Are Changing

July 19, 2011 By Louise Norris

[…] Because of the new law, employers can now use wage adjustments to reimburse employees for individual policies (as long as they haven’t had a group policy in the past twelve months), which wasn’t allowed at all in the past. But the use of HRAs to fund individual policies can now only be done if the employer hasn’t had a group policy in the past twelve months, and that restriction wasn’t found in the DOI final agency order regarding HRAs. […]

Filed Under: Group Health, Health Care Goodies, Health Care Reform, HRA, Humana, Individual/Family Health

Health Insurance Does Not Always Prevent Medical Debt

July 6, 2011 By Louise Norris

[…] Chances are, if you have a claim on your home or auto policy, it will be because of a one-time incident like a fire or a car accident. That can be the case with a health claim too, of course, but many times a large claim on a health insurance policy can be the result of a chronic condition or one that will need extensive long-term treatment. A person might have health insurance at the start of the ordeal, but may lose coverage as time goes on […]

Filed Under: Group Health, HSA, Individual/Family Health

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