Experient Health Educates Online Community on New COBRA Guidance in Latest Post

July 11, 2014, 8:26 am

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The Departments of Labor (DOL) and Health and Human Services (HHS) recently issued clarifying guidance regarding how the Consolidated Omnibus Budget Reconciliation Act (COBRA) is affected by the ACA’s health insurance Exchanges, which Experient Health addresses in latest Blog post.

Richmond, Va. (PRWEB) July 11, 2014

On May 2, 2014, the Department of Labor (DOL) provided an updated model general notice and model election notice for COBRA and earlier this month Experient Health, a Virginia Farm Bureau company, detailed the changes on its Blog, which aims to keep the community informed about health insurance changes impacting businesses and individuals.

The updated model of the Consolidated Omnibus Budget Reconciliation Act (COBRA) notices reflect that the Affordable Care Act’s (ACA) Exchanges are now open and describe special enrollment rights for Exchange coverage, Experient Health wrote.

Employers are not required to use the DOL’s model COBRA notices.

"However, use of the model notices (appropriately completed) will be considered by the DOL to be good faith compliance with COBRA’s notice content requirements," Experient Health wrote. "Also, providing information about Exchange plan coverage may help individuals make informed decisions about their health coverage."

On April 21, the Department of Health and Human Services (HHS) also issued answers to frequently asked questions clarifying when a COBRA qualified beneficiary may enroll in a qualified health plan (QHP) through an Exchange and receive subsidies for that QHP coverage.

Under the ACA, individuals may enroll through the Exchanges only during an annual open enrollment or a special enrollment period (SEP), Experient Health wrote.

When initially eligible for COBRA coverage, an individual qualifies for an SEP for the Exchange. In general, once an individual has elected COBRA coverage, he or she can switch to a plan through the Exchange only during an annual open enrollment period or after the COBRA coverage is exhausted.

Because COBRA qualified beneficiaries may not have understood their Exchange enrollment rights, HHS created an additional SEP. This additional SEP allows COBRA beneficiaries to enroll in QHPs through the federally-facilitated Exchange (FFE) until July 1, 2014.

To read more about the ways that COBRA guidelines have been implemented, visit the Experient Health Blog here.

Experient Health is the health insurance arm of the Virginia Farm Bureau and has health benefits consultants, well versed in health care reform, who work with individuals and businesses across the Commonwealth. Reported by PRWeb 6 hours ago.

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White Houses Praises LeBron James After Cleveland Decision

July 11, 2014, 12:12 pm

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In response to the news about LeBron James making the decision to return to Cleveland, White House Press Secretary Josh Earnest took time to remind reporters that President Obama was a big fan of the NBA basketball star.

"The president is a big fan of LeBron,” Earnest said, pointing out that the commander in chief was an NBA fan.

Earnest had no immediate reaction from the president to James’s decision, but reminded reporters that Obama had met with James on a number of occasions.

President Obama played basketball with James in 2010 and was also featured in a video with Michelle Obama to promote healthy eating. 

“The president does consider him to be a fine young man who carries himself with the kind of professionalism that's inspiring to see,” Earnest added.

In February, Obama praised James, asserting that he could be an all-time great basketball player.

"You know LeBron, I know LeBron. When you're standing next to him and then you watch him close up -- I've never seen somebody that size, that fast, who can jump that high, who's that strong, who has that much basketball savvy all in one package," he said.

James also filmed a promotion for Obamacare in March. 

“I know how important it is to take care of yourself, your friends, your family,” James said in the ad while holding a #GetCovered sign. “That’s why I want to tell you about the health insurance marketplace at HealthCare.gov. You can go there to find an affordable health plan that’s part of the healthcare law.”

Earnest also commented on James’ decision to move back to Cleveland.

"It’s a pretty powerful statement about the value of a place that you consider home,” he said. Reported by Breitbart 2 hours ago.

NMHIX sets decision deadline for state exchange; thousands may have to re-enroll

July 11, 2014, 2:04 pm

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The New Mexico Health Insurance Exchange board said it now has a drop-dead date of July 31 to decide whether it will operate its own individual exchange or stay with the federal exchange. That's the date on which federal officials will tell NMHIX officials if they will approve the state's efforts to start its own exchange. Exchange board members wondered again at today's NMHIX board meeting if they can get a bug-free exchange operational by the open enrollment date of Nov. 15. Representatives… Reported by bizjournals 15 minutes ago.

Oregon sparkles in latest national health insurance rankings

July 11, 2014, 2:04 pm

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Whereas the rates of unisured people vary across states, Oregon's performance of late has been, in most categories, sensational in terms of metrics that track a bevy of heatlh figures. Indeed, a new report by WalletHub suggests that Oregon's coverage rate — that is, the amount of people who actually carry insurance — is one of the country's best. The full survey examines"an initial projection of uninsured rates by state post-Obamacare." Among other metrics, the survey pores through the number… Reported by bizjournals 15 minutes ago.

Steve Moore: GOP Suit Against Obama Has a Good Chance of Success

July 11, 2014, 3:05 pm

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Friday on Bloomberg TV's "Street Smart," ThinkProgress.org's Igor Volsky, Bloomberg's Peter Cook and the Heritage Foundation chief economist Stephen Moore discussed Speaker John Boehner (R-OH) suing President Obama over his excessive use of executive action. 

Moore said the Republicans lawsuit against the the president stands a good chance of success because recently the Supreme Court has struck down several of Obama's executive power overreaches. 

Moore explained, "The courts are looking very closely at executive branch power and trying to find out whether they have exceeded it." 

Moore said of the lawsuit, which specifically goes after the president alleged abuses of executive power when he delayed the implementation of the employer health insurance mandate in the Affordable Care Act, "In the case of the ObamaCare law its pretty clear the law does not give the president the right to basically suspend his own law."

Follow Pam Key On Twitter @pamkeyNEN Reported by Breitbart 1 day ago.

Nurse And His 7-Year-Old Cancer Patient Put On A Spontaneous, Wonderful 'Frozen' Performance

July 11, 2014, 2:45 pm

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#TeamKamryn, an amazing support network for a 7-year-old cancer patient just introduced its newest member -- Tom, a nurse who just happens to put on a mean "Frozen" performance.

Mom, Andrea Slater, posted this video of Kamryn and Tom to her Facebook page on July 3, lip syncing "Love Is An Open Door." Her caption was bittersweet:
So the bad news is that we've been in the hospital getting a blood transfusion but the good news is that we met the most awesome nurse Tom, who happens to be a fan of the movie Frozen. This just happened! Lol
According to Kamryn's Booster fundraising page, doctors diagnosed her this past April. She had complained of a stomachache, which turned out to be caused by a cancerous stage 3 tumor. "Unfortunately once they began surgery the doctors found that the tumor had ruptured, which also meant it could not be removed," the Booster page's creator, Leianne Dolan, wrote.

Currently, Kamryn is undergoing radiation and chemotherapy treatments at New York's Memorial Sloan Kettering Cancer Center. While the family has health insurance, Columbia Greene Media reported in June that they need help covering other expenses, including the cost of staying nearby while Kamryn undergoes her treatment.

Dolan set up the page to help Kamryn's family cover those hospital expenses -- raising over $17,000 so far. “There’s been unbelievable support -- it’s overwhelming, but amazing that so many people are coming together to help us,” Slater told Columbia Greene.

She is, unsurprisingly, another one of Kamryn's biggest supporters. In solidarity, Slater shaved her head on June 7.

Post by Andrea Lynn.Two weeks later, she posted a photo of herself and Kamryn, showing off their new look:

Post by Andrea Lynn.Despite all of the struggle, one thing is clear -- Anna and Hans have nothing on Tom and Kamryn. Reported by Huffington Post 1 day ago.

Finally! Someone Explains What All Those Obamacare Numbers Mean!

July 11, 2014, 4:11 pm

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You're going to hear a lot about Obamacare this fall, especially from Republicans. They'll try to convince you that it was a bad deal. They'll throw numbers at you to make you think that the cost of health insurance is spiraling out of control. In all likelihood those numbers will be incorrect, but how will you know? There are so many numbers flying around out there that even the experts are having trouble keeping track.

That's why it's time for a math lesson. After reading this post, you'll know what the numbers mean -- and which ones you should trust. No candidate will be able to fool you.

And you won't even need a calculator.

First of all, you have to understand that we're only talking about the individual market, where people buy insurance if they're not covered by their employer or a government program. That means the "individual mandate" and the "government-run exchanges" only affect 7 percent of the population. For the those covered by their employer, which is the majority of the population, the cost of health insurance rose less in 2014 than it had in any year since the Milliman Medical Index started keeping track. We can probably thank Obamacare's cost-control provisions for some of that achievement, but that's a conversation for another day.

For now let's focus on the individual market. Before Obamacare, insurers charged low rates to healthy people and high rates to sick people, making insurance unaffordable for the people who needed it the most. Obamacare banned discrimination against sick people and mandated that all people purchase insurance. Without that mandate, insurers would have raised rates to cover the new sick customers, and healthy people would have refused to pay the new high rates, driving rates up even higher as the population became sicker on average.

When the law was passed, the Congressional Budget Office predicted that premiums would increase by 10 to 13 percent, but only because people would be receiving more generous coverage. Obamacare required every health-insurance plan to meet basic minimum standards. Additionally, because it would be more affordable, more people would want to buy more generous coverage. The CBO predicted that if you compared plans with the same level of coverage, premiums would actually go down.

When states started announcing the premiums for their new "exchanges," you probably started hearing about "sticker shock." By comparing the new premiums with old quotes from health-insurance websites, Obamacare critics claimed that the law had drastically raised prices. The problem with their argument was that the quotes on the old websites were very unreliable. They rarely reflected what insurers would actually charge you, once they factored in your medical history, age, gender, etc. In fact, many Americans would be denied coverage altogether. Anyone who knew anything about health insurance knew that the website quotes were lowballing the cost.

State governments like California countered by making a more reasonable comparison. They argued that the new exchange premiums were actually lower than premiums for small-group coverage, for which they had better data. Obamacare critics weren't satisfied. Small-group plans may have been more expensive than the plans on the new exchange, but that's because they offered more generous coverage.

The Manhattan Institute, led by conservative health expert Avik Roy, tried to find a middle ground by adjusting the quotes on the health-insurance websites, raising the estimates for people who were "surcharged" or denied, and finding that Obamacare increased prices by 41 percent.

The problem with Roy's analysis was that his adjusted numbers didn't match reality. Roy suggested that before Obamacare, 27-year-olds -- the ones who were being hit the hardest, he argued -- paid between $1,596 (men) and $1,980 (women) in average annual premiums. But the Kaiser Family Foundation conducted a survey in 2010 and found that they were actually paying closer to $2,630. Across the board, Roy had underestimated the pre-Obamacare cost of health insurance, and he wasn't including costs that consumers paid out of their own pockets.

Last month three Wharton economists used the Current Population Survey to calculate a more accurate estimate of the average pre-Obamacare premium. They found that it was basically identical to the lowest-cost plan available on the Obamacare exchanges. Compared with more expensive plans, of course, it was cheaper, but when they factored in out-of-pocket costs, they found that the new plans were 14- to 28-percent more expensive than the old ones, only slightly higher than the CBO's original predictions.

But wait. The Wharton study only counted people who purchased insurance, not people who were denied or who refused to buy because the insurer's quote was too expensive. We'll never know what that quote was, but we can assume that it would significantly raise our estimate of the average premium. To ignore those people -- and there were millions of them -- is to say that they don't matter, even though Obamacare was designed specifically with them in mind.

The Wharton study also doesn't include the tax credits that the federal government uses to subsidize low- to middle-income buyers on the exchanges. Last month the government announced that 87 percent of shoppers received a subsidy on the federal exchange, bringing their average monthly premium down from $346 to only $82!

That's a 76-percent reduction, and it more than makes up for the 14- to 28-percent premium increase, which may not be much of an increase after all if you include people who didn't buy insurance in the past.

Bottom line: On average, Obamacare clearly lowered the cost of health insurance.

Sure, some people will pay higher rates, but you have to remember that those people only paid low rates in the past because insurers were discriminating against sick people. The new market is much fairer and more affordable for more people -- a fact that you might want to point out to Republicans on the campaign trail this fall.

An abbreviated version of this op-ed was published in today's South Florida Sun-Sentinel. Reported by Huffington Post 23 hours ago.

Nunez out, Dowd in as CEO of NMHIX

July 11, 2014, 4:44 pm

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The New Mexico Health Insurance Exchange board on Friday unanimously voted to hire Amy Dowd, the head of Idaho's insurance exchange, as its new CEO. Dowd will take over for Mike Nunez, who has been the NMHIX interim CEO since June 2013. Dowd will be offered a contract today, NMHIX board chair Dr. J.R. Damron said after the board's meeting in Albuquerque. Dowd was one of five candidates, including Nunez, who were interviewed for the job as part of the exchange's nationwide executive search. After… Reported by bizjournals 22 hours ago.

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Millennials Say Government Inefficient, Abusive, Supports Cronyism

July 11, 2014, 8:05 pm

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A Reason-Rupe Survey of 2,000 American millennials between the ages of 18 and 29 titled “Millennials: The Politically Unclaimed Generation” found that 66% believe government is inefficient and wasteful, up by 24% since 2009. 

Only 18% of millennials believe government regulators act in the public’s interest, while 63% say regulators favor special interests. Millennials also believe by over two to one that government agencies abuse their powers.

The Reason-Rupe report finds that because of millennials' skepticism of government, they favor general reductions to government spending and regulations:

· 73% favor allowing private accounts for Social Security;
· 51% favor private accounts even it means cutting Social Security benefits for current and future retirees;
· 53% say Social Security is unlikely to exist when they retire;
· 64% say cutting government spending by 5% would help the economy;
· 59% say cutting taxes would help the economy;
· 57% prefer a smaller government providing fewer services with low taxes, while only 41% prefer a larger government providing more services with high taxes;
· 57% want a society where wealth is distributed according to achievement;
· 55% say reducing regulations would help the economy; and
· 53% say reducing the size of government would help the economy.

However, alongside their belief in smaller government, millennials paradoxically support more government action and higher spending in certain areas:

· 74% say government has a responsibility to guarantee every citizen has a place to sleep and enough to eat;
· 71% favor raising the federal minimum wage to $10.10 an hour;
· 69% say government responsible to provide everyone with health insurance;
· 51% have a favorable view of the Affordable Care Act;
· 68% say government should ensure everyone makes a living wage;
· 66% say raising taxes on the wealthy would help the economy;
· 63% say spending more on job training would help the economy;
· 58% favor spending more on assistance to the poor, even it means higher taxes;
· 57% favor spending more money on infrastructure
· 54% favor a larger government and services when taxes aren’t mentioned; and
· 53% want a guarantee for everyone to get a college education.

Millennials are fairly united in political philosophy:

· 62% describe themselves as socially liberal;
· 27% say they are socially conservative.

However, millennials’ philosophy on economic issues narrows the liberal / conservative gap:

· 49% identify themselves as economic liberals;
· 36% label themselves as economic conservatives.

Millennials are strongly opposed to nanny state regulations:

· 72% of millennials say large sugary sodas and drinks should be allowed for sale;
· 67% of millennials favor legalizing same-sex marriage;
· 61% say abortion should be legal in all or most cases;
· 61% say people should be able to buy foods containing trans fat;
· 60% want to allow e-cigarette use in public places;
· 59% say the government should allow online gambling;
· 57% say marijuana should be legal; although
· 22% say cocaine should be legal; and
· 52% say either the government should not set a legal drinking age or that the legal drinking age should be lower than 21.

Millennials’ voting intentions for 2014:

· 76% say they plan to vote in the 2014 midterm elections;
· 53% plan to vote for Democratic Congressional candidate;
· 11% less plan to vote for Democratic Congressional candidate than 2012; and
· 29% plan to vote for Republican Congressional candidate.

Millennials have generally Democratic voting intentions for 2016:

· 39% favor Democrat Hillary Clinton for President;
· 8% favor Democrat Elizabeth Warren for President;
· 6% favor Vice President Joe Biden;
· 6% favor Republican Rep. Paul Ryan;
· 5% favor Republican Sen. Rand Paul; and
· 5% favor Republican former Arkansas Gov. Mike Huckabee.

Indeed, more millennials identify as Democrat than Republican, though far more than either identify as Independent:

· 43% identify as independents;
· 35% identify as Democrats; and
· 23% identify as Republicans.

Millennials don’t identify with the political parties and don’t have much confidence in them. When asked who they trust most to handle a series of policy issues, young Americans said they trust “neither” party to handle 12 of 15 issues surveyed. Millennials do trust Democrats the most on gay marriage, the environment, and poverty. Millennials only trust Republicans the most on promoting entrepreneurship.

The author welcomes feedback and will respond to reader comments.

From July 15th to July 29th, Chriss Street will be teaching “Entrepreneurship and Capitalist Business Strategy” at Ho Chi Mihn University in Vietnam. Reported by Breitbart 19 hours ago.

Experient Health's Latest Guest Blog Tackles How To Pick a Primary Care Doctor

July 12, 2014, 12:03 am

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Experient Health's benefits consultants are guest Bloggers with the Williamsburg, Va.-based Health Journal, helping inform the community about changes under the Affordable Care Act (ACA).

Williamsburg, Va. (PRWEB) July 12, 2014

In the new world of health care reform, health insurance networks have become extremely important, and in some cases more complicated, Experient Health Benefits Consultant Jayson Richardson wrote in his latest guest Blogging spot with the Health Journal.

The Health Journal, a Williamsburg, Va.-based news magazine targeting health and lifestyle news for young and older adults in the Tidewater region of Virginia, partnered with Experient Health to publish routine Blog posts helping readers understand the changes businesses and individuals have seen under the Affordable Care Act (ACA).

This year, when most Americans were required to buy health insurance through the government marketplace, the rules changed for some who were used to doctors they had long used.

Some insurance carriers began only offering HMO plans, which have a smaller more limited network of providers, as opposed to PPO plans, which offer a more expansive selection.

"Bottom line: You may no longer be able to go to your regular doctor because of the changing insurance plans," Richardson wrote.

In the post, Richardson explained the different between HMOs, health-maintenance organizations, and PPOs, or preferred provider organizations.

"Consumers are now faced with the decision about whether to stay within their network—or to find new doctors because their old ones aren’t in that network," Richardson wrote. "In-network benefits generally have 80-20 percent coverage, while out-of-network means the consumer pays more, as much as 50 percent."

Consumers choosing individual health plans are having to make hard decisions — get a subsidized plan and pay less in premiums, but have less access to certain doctors and medical facilities? Or pay more in premiums and get a PPO policy? HMOs generally run 10 to 15 percent less in premiums than PPOs do.

"The decision can come down to how much a consumer wants to stick with a particular doctor, or medical facility. To help consumers figure out what plan covers what, the insurance carriers all have “find-a-doctor” searches on their websites that are changing constantly, with providers coming on and going off all the time," Richardson wrote.

"At Experient Health, we encourage individuals to use...search tools," Richardson wrote. "The choices are always changing, sometimes by the day. Whatever plan you choose, and whatever doctor you choose to see, it’s always wise to make a phone call ahead of time to be sure you’re covered. That part, at least, is still pretty simple."

To read the complete series, visit The Health Journal online. Reported by PRWeb 15 hours ago.

This Obamacare Health Exchange Satisfaction Study Yields 5 Surprising Finds

July 12, 2014, 11:02 am

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I bet you didn't see this coming! Five surprising finds from J.D. Power's inaugural Health Insurance Marketplace Shopper Study on consumer satisfaction. Reported by Motley Fool 4 hours ago.

Hobby Lobby ruling 'opens the floodgates' to test boundaries

July 12, 2014, 10:40 pm

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Imagine a day when you would carry two health insurance cards in your wallet. Reported by TwinCities.com 16 hours ago.

Boyd Charges Speaker John Boehner With Wasting Taxpayer Dollars on Nonsense

July 12, 2014, 4:45 pm

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Common sense and decency seem less and less important to Republicans in the House of Representatives as they continue their shameful conduct toward President Barack Obama for trying to do his job.

Americans are facing chaos in the immigration system, a still-recovering economy, heavy-duty foreign policy issues and many other serious challenges. Yet, the Republicans, and their pitiable leader John Boehner sink to new levels of absurdity by the day. On Thursday, Boehner announced that Republicans intend to sue the President for changes to his signature health insurance law, known as "Obamacare."

Speaker Boehner has been talking about his plans to sue the President for over a month. He should proceed with caution. The American people are sick and tired of being sick and tired at this "do-nothing" Congress. House leader Eric Cantor (R-VA) lost his party's primary to a political unknown because he was out of touch with voters in his conservative leaning district in the suburbs of Richmond Virginia. This should be a warning bell for many House Republicans.

The House Rules Committee recently has fallen into line with this sue-the-President scheme by making public a copy of the draft legislation outlining Republican complaints. But where does it stop? Instead of working for the American people as they were elected to do, they are wasting time, money and energy on this kind of nonsense.

The real issue at hand is a simple one: Republicans in Congress simply are not willing to work with President Obama. The President time and time again has extended an olive branch to Speaker Boehner in efforts to build cooperation.

Republican lawmakers say it's Obamacare that bedevils Congressional cooperation. But wounds run deeper than that. Republicans have been trying to repeal the law for years, claiming it will ruin the country financially and that Americans would refuse to enroll in its coverage. The cynics and critics were wrong. Millions of Americans signed up for Obamacare and the country has moved on with business as usual.

No, this latest fiasco is not about the Affordable Care Act. It is about Midterm elections. Yes, it is about politics, and the reality that Republicans have little progress to report to their constituents. They have little that they accomplished on behalf of the Republican base. They should have thought of that last year while they put their energies blocking any idea the President had to move the country forward instead of doing the business of the people they were elected to serve.

Republican are so desperate they are even speaking of impeaching President Obama. They had better hope they keep their own jobs come November. Meanwhile the president is not sitting on his hands waiting for Speaker Boehner to come to his senses.

I have to commend President Obama for using his executive powers to move the country forward! That's exactly what he was elected to do. Bravo! Reported by Huffington Post 22 hours ago.

Cheapest Car Insurance at the State Level Now Discovered at Automotive Portal Online

July 12, 2014, 7:12 pm

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Cheapest car insurance at the state level is now part of the price quotes displayed at the Quotes Pros website. Low cost automobile insurance providers are viewable at http://quotespros.com/auto-insurance.html.

Jacksonville, FL (PRWEB) July 12, 2014

Buying auto insurance is one task that most Americans will go through at some point and getting the best price is not always easy. The Quotes Pros company is now allowing access to the cheapest car insurance at the state level through its system at http://quotespros.com/auto-insurance.html.

Car owners can review an immediate price by entering their state zip code into the search tool on the homepage. This tool searches the country for discounts and other markdowns that insurers are providing to drivers this year. The entire process of price review takes less than 30 seconds.

"Affordable insurance is one way that a motor vehicle owner can cut out the increasing prices for vehicle insurance annually and our website is contributing to research for drivers," said a Quotes Pros website rep.

The insurance agencies submitting price information using the Internet based system this year are positioned across the country. Specific policies that are underwritten by these agencies includes liability, non owner, SR22, collector, full coverage, agreed value and state minimum plans.

"Any quote for a plan that takes place using our website remains secure and private for each motorist due to our zip code exploration process," said the rep.

The automobile insurance platform built by the Quotes Pros company this year also includes access to coverage options from insurers that do not specialize in vehicle plans. The life, health and homeowner coverage plans that are viewable can be quoted at http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company supplies low cost auto insurance quotations through its website on the Internet. The company tools that motorists gain entry to daily provide price and policy data in a simple to read format. The QuotesPros.com company website is also a source to find and immediately compare the costs of different coverage plans available nationally. Life, renters, homeowners and health policies are currently quotable in daily online. Reported by PRWeb 20 hours ago.

Experient Health Discusses How 18 SHOP Exchanges Will Delay Employee Choice For 2015 in Latest Blog Post

July 13, 2014, 12:04 am

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Experient Health uses community education Blog to discuss the recent Department of Health and Human Services release of a list of federally-facilitated Small Business Health Options Programs where the employee choice model will be delayed until 2016.

Richmond, Va. (PRWEB) July 13, 2014

Recently, Department of Health and Human Services (HHS) released of a list of federally-facilitated Small Business Health Options Programs (SHOP) where the employee choice model will be delayed until 2016, Experient Health, the health insurance arm of the Virginia Farm Bureau, detailed in the latest edition of its community education Blog series.

In total, 18 states will not provide the employee choice model in 2015, Experient Health reported.

Under the Affordable Care Act (ACA), each state must have an Exchange where individuals and small businesses may purchase health insurance. The Small Business Health Options Program (SHOP) is the Exchange for small businesses, Experient Health wrote.

The ACA requires each SHOP to provide an “employee choice model,” in which the employer chooses a level of coverage and a contribution amount and employees can select any plan at that level.

“HHS has delayed implementation of the employee choice model," Experient Health wrote. "For 2014 plan years, the FF-SHOP does not offer the employee choice model. Also, on May 16, 2014, HHS issued a final rule providing a transition rule for the employee choice model for 2015 plan years. This transition policy allows state regulators to recommend that employee choice not be implemented in that state for 2015 based on certain market conditions.”

The list that the HHS released on June 10, 2014 includes a list of 18 FF-SHOP states where the employee choice model will not be provided in 2015.

These states include Alabama, Alaska, Arizona, Delaware, Illinois, Kansas, Louisiana, Maine, Michigan, Montana, New Hampshire, New Jersey, North Carolina, Oklahoma, Pennsylvania, South Carolina, South Dakota and West Virginia. Employers in these states will be able to offer employees a single health plan and a single dental plan through the SHOP Exchange.

Employee choice is expected to be available in all FF-SHOPs in 2016. Most state-run SHOPs began offering the employee choice model to small employers in 2014.

Questions? Contact an Experient Health, Virginia Farm Bureau Company, benefits consultant for more information, or visit the Experient Health Blog here for other details on the 18 delayed SHOP exchanges. Reported by PRWeb 15 hours ago.

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Immediate Openings for CDL Drivers with MAU at Capsugel in Greenwood, SC

July 13, 2014, 5:03 am

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We are hiring to fill immediate openings for Class A CDL Drivers to work at Capsugel in Greenwood, South Carolina. MAU is looking for hard-working professionals, committed to providing the best possible customer service with patience and a positive attitude.

Greenwood, SC (PRWEB) July 13, 2014

We are hiring to fill immediate openings for Class A CDL Drivers to work at Capsugel in Greenwood, South Carolina. MAU is looking for hard-working professionals, committed to providing the best possible customer service with patience and a positive attitude. This position has excellent pay rates, consistently ranked in the top 3 in the industry. For more details about this great career opportunity and to apply, please click here to view the full description on MAU's job board.

Position Benefits & Details:

Essential Staff Care Health Insurance Program (after 30 days on the job)
Training Opportunities
Local Routes
Daily Home Time
Minimum 1 Year of Recent Class A Experience
Forklift Experience Required

Please note: Applicants must submit to a drug screen and background check.

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England Allows Diabetic American Crack Dealer To Stay For The Free Healthcare

July 13, 2014, 10:41 am

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England Allows Diabetic American Crack Dealer To Stay For The Free Healthcare
England Allows Diabetic American Crack Dealer To Stay For The Free Healthcare
World
Has Been Optimized

A diabetic American crack dealer facing deportation won a bid to stay in England because he has multiple health issues and utilizes the National Health Service.

Johnny Callie, 64, has high blood pressure, a bad knee and diabetes.

After being jailed for seven years for conspiracy to supply crack cocaine and heroin in England, Callie was due to be deported.

But Callie, a Vietnam war veteran, has argued that he won’t be able to afford medical care in the U.S.

Judge Bernard Dawson said Callie’s age and medical conditions would make it difficult for him to find work in the U.S.

The court also considered Callie’s girlfriend, a British citizen who suffers from depression. Callie lived with the woman since June 1995. Dawson noted that the woman had "no contact with other members of her family and has very few friends.”

“Due to her depression and anxiety she is usually dependent upon the claimant and cannot easily leave her home on her own or travel outside Ipswich unless he is with her,” Dawson said. “'She would experience high level of anxiety were she to leave her home and travel to America with the claimant. She has a history of attempted suicide.”

Dawson halted the deportation order because he says it breached Callie’s right to family life under Article 8 of the European Convention for Human Rights.

He noted that if Callie’s girlfriend moved with him to America she would not be entitled to Medicaid and it “is unlikely the couple could afford private health insurance.”

According to a letter from Norfolk and Suffolk Probation Trust dated February 2014, Callie has exhibited “excellent” behavior after his incarceration. It says he has remained drug-free and has not relied on welfare benefits since his release.

Sources: Daily Mail, Ipswich Star

Image credit: Francis Tyers

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Will There Be a November Surprise Because GOP House Is on Strike?

July 13, 2014, 6:31 pm

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*LISTEN HERE:*

By Mark Green

We know about the six-year curse, POTUS' polls and vulnerable red-state Democrats. But as jobs and the ACA rebound -- and the House grouses about borders, wages and IUDs, can Democrats run well this fall against a Do-Nothing/Know-Nothing GOP? Lamarche and R. Christie debate these issues, Boehner's lawsuit and the president's Wahlbergian taunts.

**On the Border Disorder.* Ron Christie says that "both sides are complicit but Obama's mostly to blame because he sent signals to illegals to come here and they wouldn't get deported." Wait, hasn't he deported 2 million in five-and-a-half years? Ron insists that clearly people in Central America getting some new message given this surge of children.

Gara LaMarche counters that there are humanitarian crises all over the world as refugees seek better lives and/or escape violence, like the extraordinary violence in these countries of origin. And if House Republicans had scheduled a vote on the Senate bill for comprehensive immigration reform, perhaps this crisis and future ones could have been averted... not to mention that the 2008 Bush-Feinstein bipartisan amendment requires due process hearings in these cases to reduce human trafficking.

Is Senator Lindsay Graham right to predict that if the GOP doesn't agree to some version of Obama's proposed $3.7 billion package to expedite hearings and shelter the children, they'll get politically blamed? Gara agrees -- how can they credibly scream the situation is dire and then block a solution? Ron thinks that "eventually Congress will have to put politics aside" because of the dislocated children to do something along the lines of the Obama proposal.

Last: we listen to Obama's snarky retort quoting Mark Wahlberg's line in The Departed when a cop on stakeout loses his suspect and asks who Wahlberg is: "I'm the guy doing my job -- you must be the other guy!" Given how the GOP has demonized and rebuffed everything Obama does, can his jokey sarcasm work this fall to make the case against a unproductive #DoNothing/KnowNothingHouse?

"Maybe," says Lamarche, brilliantly avoiding any possible contradiction. "No," says Christie, who thinks it unserious and off-putting. "The Senate is gone [to the Republicans].""Yes" says the Host since the House GOP is taking a risk by appeasing its fringe base while rejecting urgent and popular change like immigration reform, the minimum wage, gun safety, infrastructure spending... instead suing the president, in his words, "for doing something while they do nothing."

Host: Two questions: how can it be a crisis of border security since the escaping children have nearly all interacted with border patrols; and would the GOP really have deported Dreamers who have lived all their lives in U.S. back to countries of their parents?

**On the Hobby Lobby Aftermath.* Ron applauds a result compelled by the bipartisan Religious Freedom and Restoration Act of 1994 signed by President Clinton since government can provide this service without forcing the owners to violate their religious conscience. But the law never anticipated that corporations, as opposed to actual people, would possess religious rights. (Yes owners may pray for profits, but souls...?)

Gara fears this apparently small ruling could open up a large loophole allowing any owner to refuse to comply with a law that they "sincerely claim" offends their religion -- "you don't get to choose your own science." For example, what about Jehovahs Witnesses opposed to all inoculations... Mormans who at one time wouldn't admit Blacks... many Orthodox Jews currently want to segregate women and men in religious and perhaps commercial establishments? Or more immediately, what if Hobby Lobby refused to serve the LGBT community?

Did the Religious Right win in court but lose at the ballot box? Gara thinks so because the huge swing voting bloc of single and suburban women won't like the GOP telling them that their bosses can overrule their reproductive rights. Ron rejects such a "war on women" as "despicable" demagoguery. But there was a large gender gap of 11 points favoring Obama over Romney... and it's hard to see how Democrats can't and wouldn't use this ruling of five Republican justices in their favor this fall.

Also, five catholic men. Is that a fair point to discuss or a dangerous road to go down? Ron and Gara agree that there's no specific evidence the majority's religious beliefs affected their decision (though Bill Maher reminds listeners how openly religious Scalia is, including his belief in an actual Devil). But on the other hand, they agree that it's acceptable to note that all three women justices -- Ginsburg, Kagan and Sotomayor -- agreed to Ginsburg's angry dissent.

**On 6.1 Percent Unemployment.* Remember jobs and growth? Voters do... and will. And remember all the pundits saying a few months ago that an awful economy and failing ACA would destroy Democratic prospects this Fall?

Does the 6.1 percent unemployment rate and record Dow change that? Christie thinks the BLS statistics were awful given the number of people who left the workforce or took part-time jobs -- but since that was likely because the ACA meant they could get health insurance without working, is that a bad thing? While Lamarche argues that Democrats should not appear over-enthusiastic and run on a "Morning in America" theme, they will and should say the economy is a helluva lot better than under Bush as an example of how they're "on your side."

*Quick Takes: Romney and Israel *

What does the panel think of Rep. Chaffetz's prediction that his friend Mitt Romney is likely to make a third bid for the presidency in 2016? Gara and Ron agree that it's possible due to the relatively weak Republican field given Chris (no relation) Christie's woes and Jeb Bush's lack of intensity. Then Ron makes news: "watch out for my former boss Gov. John Kasich," since he's from Ohio-Ohio-Ohio and is likely to win reelection easily.

As for the Hamas-Israel military exchanges (the show is taped as Israelis troops are amassing on the Gaza border), there's a consensus that there's no moral equivalence. Whatever the ancient claims on this sliver of land amidst 22 Arab countries, Hamas certainly provoked the crisis by not repudiating the murder of three Israeli teens and then launching rockets indiscriminately into civilian areas.

Three things:
· An IDF general said on CNN's The Situation Room that "Israel uses weapons to protect civilians while Hamas uses civilians to protect weapons."
· Atlantic senior writer (and BSN regular) David Frum tweeted this insight: "Hamas: 'We're the victims because our indiscriminate rocket fire in the war we started isn't killing as many civilians as we expected."
· Still, Israel has to carefully weigh the political, military and human consequences of a very disproportionate response that kills a large number of civilians in the search for rocket launchers.
Mark Green is the creator and host of Both Sides Now.

You can follow him on Twitter @markjgreen

Send all comments to Bothsidesradio.com, where you can also listen to prior shows.
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Herricks teachers to pay 25% of health insurance premiums

July 13, 2014, 6:31 pm

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The Herricks school district and its teachers union have a new four-year contract under which the educators pay 25 percent of their health insurance premiums in the final year, officials said. Reported by Newsday 21 hours ago.