Archive for the “Health Plans” Category


May 6, 2010    Volume 1, Issue 10

People with Medicare who hit the coverage gap or “doughnut hole” in the Medicare drug benefit next year will receive a 50 percent discount at the pharmacy—without having to send in receipts or request a refund—according to draft guidance implementing the recently passed health reform law.

The guidelines from the Centers for Medicare and Medicaid Services (CMS) also state that the insurance companies offering Part D plans will inform pharmacies through their electronic claims systems when consumers are eligible for the discount, although the discounts will come from drug manufacturers.

State pharmaceutical assistance programs (SPAP) that provide coverage through the doughnut hole will also benefit from the discounts, while consumers enrolled in these programs will continue to pay the copays charged by their SPAP. Consumers enrolled in Part D plans offered by their employers, which often provide coverage through the doughnut hole, will not be eligible for the discount, according to CMS’s proposed guidance. The guidance is open for public comment until May 14, 2010.

Read the CMS draft guidance.       

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Under current law, the Medicare Part D coverage gap, or “doughnut hole,” is projected to double
in size by 2021, exposing seniors to drastically increased liability for the costs of their
medications. This characteristic of the coverage gap makes it exceedingly expensive to correct –
Congress must dedicate significant resources simply to keep the gap from becoming larger every
year; reversing the momentum takes an even greater commitment of funds. The House of
Representatives has proposed to provide additional protection to seniors from the cost of
prescription drugs by closing the doughnut hole completely, though the high cost requires this
closure to be phased- in over time. According to a recent analysis by the National Committee to
Preserve Social Security and Medicare, the provisions to close the coverage gap in the House’s
America’s Affordable Health Choices Act (H.R. 3200) would close the gap by 2023. The
financial protection afforded by the bill becomes progressively stronger beginning in 2011,
providing increasing relief to seniors experiencing the coverage gap throughout the phase-out
period.

 from: National Committee to Preserve Social Security and Medicare

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1. FAST FACT

Proposed health reform legislation from the House of Representatives will completely eliminate the Part D doughnut hole in 14 years, but would provide more immediate assistance to people using high-cost specialty drugs by progressively narrowing the coverage gap. (Avalere Health, Avalere Analysis of Proposed Elimination of Coverage Gap, June 2009)
  from Medicarerights.org

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Article: Medical schools in the era of managed care: An interview with Arnold Relman

RPOBABLY NO ONE IN THE UNITED STATES knows as much about the current situation in American medicine as Arnold Reiman, professor emeritus of medicine and social medicine at Harvard Medical School and editor-In-chief emeritus of the New En,dand Journal of Medicine. At the AAUP conference, “Academic Values in the Transformation of American Medicine,” held in Boston in May, Relman described the impact of the corporatization of the health-care system on the medical profession and on the cost and quality Of care. When Academe interviewed Relman at the Harvard Medical School in July, we asked him to talk about the ways in which those changes are affecting medical education as well. Reiman: Medical …

Anonymous Anonymous

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Asclepios
Your Weekly Medicare Consumer Advocacy Update
An End to the Wait
May 21, 2009 • Volume 9, Issue 20

The Senate Finance Committee, which is writing legislation designed to extend affordable health care coverage to all Americans, has put forward four options to deal with the two-year delay in Medicare coverage for people with disabilities.

Option One shortens the waiting period to 12 months.

Option Two phases out the waiting period in six-month increments, with total elimination by April 2011.

Option Three has a slower phase-out, ending the waiting period in July 2015.

Option Four maintains the waiting period for people with access to private insurance (not including COBRA coverage from a former employer) and phases it out for everyone else.

The Medicare Rights Center believes that the sooner we completely end the waiting period for all people with disabilities, the better. Option Two achieves that goal.

(more…)

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euro-patient-power1

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About this site

HARP is a resource for patients, doctors, and attorneys seeking to establish the liability of HMOs, Managed Health Care Organizations, and Nursing Facilities for the consequences of their decisions.

(more…)

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WATCH THE WORDING “Affordable” health plans, like this one purchased from AARP, may end up costing you much more in the long run.

Do everything in your power to avoid plans with the following features:

Limited benefits

Never buy a product that is labeled “limited benefit” or “not major medical” insurance. In most states those phrases might be your only clue to an inadequate policy.

Low overall coverage limits

Health care is more costly than you might imagine if you’ve never experienced a serious illness. The cost of cancer or a heart attack can easily hit six figures. Policies with coverage limits of $25,000 or even $100,000 are not adequate.

“Affordable” premiums

There’s no free lunch when it comes to insurance. To lower premiums, insurers trim benefits and do what they can to avoid insuring less healthy people. So if your insurance was a bargain, chances are good it doesn’t cover very much. To check how much a comprehensive plan would cost you, go to ehealthinsurance.com, enter your location, gender, and age as prompted, and look for the most costly of the plans that pop up. It is probably the most comprehensive.

No coverage for important things

If you don’t see a medical service specifically mentioned in the policy, assume it’s not covered. We reviewed policies that didn’t cover prescription drugs or outpatient chemotherapy but didn’t say so anywhere in the policy document—not even in the section labeled “What is not covered.”

Ceilings on categories of care

A $900-a-day maximum benefit for hospital expenses will hardly make a dent in a $45,000 bill for heart bypass surgery. If you have to accept limits on some services, be sure your plan covers hospital and outpatient medical treatment, doctor visits, drugs, and diagnostic and imaging tests without a dollar limit. Limits on mental-health costs, rehabilitation, and durable medical equipment should be the most generous you can afford.

Limitless out-of-pocket costs

Avoid policies that fail to specify a maximum amount that you’ll have to pay before the insurer will begin covering 100 percent of expenses. And be alert for loopholes. Some policies, for instance, don’t count co-payments for doctor visits or prescription drugs toward the maximum. That can be a catastrophe for seriously ill people who rack up dozens of doctor’s appointments and prescriptions a year.

Random gotchas

The AARP policy that the Clausens bought began covering hospital care on the second day. That seems benign enough, except that the first day is almost always the most expensive, because it usually includes charges for surgery and emergency room diagnostic tests and treatments.

from:

Consumer Report May 2009

 

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Senator Grassley noted that this policy has low maximums and the problem occurs if you become real sick.  That will never show up in a patient satisfaction survey.

Chuck Phillips,  MD

From:     Harvey S. Frey <hsfrey@verizon.net>
Date:     Sun, 05 Apr 2009 08:26:24 -0700

There is an article on p.29 of the May 2009 (2008?) Consumer Reports, in which the AARP policies run by United Healthcare are pointed out as particularly bad, giving examples of how particular patients were screwed, and mentioning Senator Grassley’s attack.

But those are not Medigap policies, whose terms are set by the Government. The AARP/United Healthcare policies are marketed to those not yet eligible for Medicare.

l afd@usaitalylaw.com writes:
check the AARP Medigap policies run by United Healthcare.
Senator Grassley noted that this policy has low maximums and the problem occurs if you become real sick.  That will never show up in a patient satisfaction survey.                       Chuck Phillips,  MD

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San Francisco’s universal health care law officially survived the 9th U.S. Circuit Court of Appeals on Monday, but with eight conservative judges now raising the specter of a circuit split, business interests hope the Supreme Court will step in.

The court, led by Judge William Fletcher, denied en banc review to the Golden Gate Restaurant Association, which had challenged San Francisco’s ordinance in November 2006 after the county board of supervisors gave it unanimous approval.

But Judge Milan Smith Jr. and seven colleagues sharply critiqued the majority’s decision, saying it contradicts the 4th Circuit’s ruling in a similar case and flouts Congress’ 35-year-old Employee Retirement Income Security Act.

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