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Zane Benefits Publishes New Information on the Cost of Employer-Sponsored Health Care in 2013

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Health Care Increased for Employers and Employees 6.3% in 2013

Park City, UT (PRWEB) June 24, 2013

Today, Zane Benefits, Inc. published new information on the cost of employer-sponsored health care in 2013.

According to Zane Benefits’ website, a recent study by Milliman Medical Inc. provided a unique snapshot of health care costs for an average family of four covered under employer-sponsored health insurance. Instead of just looking at the employer's cost of health insurance or the family's medical expenses, the 2013 MMI takes into account the combined cost of employer-sponsored health care including premiums the employer pays to cover the family, premiums the employee pays for the coverage, and out-of-pocket expenses the employee pays for medical care.

According to Zane Benefits’ website, key findings from the 2013 MMI:


·     Cost of health care increases 6.3% for a family of four
·     Costs of health care shifts to employees
·     The employee's costs are split between premium-sharing ($5,544) and out-of-pocket expenses such as co-pays, deductible expenses, pharmacy, etc. ($3,600).
·     Compared to other household expenditures, the employee's average annual contribution ($9,144) now exceeds the cost of groceries for a family of four ($8,388 on average).

According to Zane Benefits’ website, health care reform will do little to curb increasing health care costs.

Click here to read full article.

About Zane Benefits

Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for Health Reimbursement Arrangements (HRAs) and defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit http://www.zanebenefits.com. Reported by PRWeb 1 day ago.

Health Insurance for Patients with Mental Illness and Substance Use

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Health Insurance Guaranteed, a pre existing condition medical insurance company, now offers an Affordable Healthcare plans for those with Mental Illness and substance use

(PRWEB) June 24, 2013

Americans with mental illness had a good reason to celebrate when the Supreme Court upheld President Obama’s ‘Affordable Care Act’ last year. The law promised to give them something they have never had before: near-universal pre existing condition health insurance, not just for their medical problems but for psychiatric disorders as well. Health Insurance Guaranteed, a pre existing condition medical insurance company, now offers an Affordable Healthcare plans for those with mental Illness and substance use.

In attribution to nytimes.com article July 2012 - Until recently, people with mental illness and substance disorders have faced stingy annual and lifetime caps on coverage, higher deductibles or simply no coverage at all. This was supposed to be fixed in part by the Mental Health Parity and Addiction Equity Act of 2008, which mandated that psychiatric illness be covered just the same as other medical illnesses. But the law applied only to larger employers (50 or more workers) that offered a health plan with benefits for mental health and substance abuse. Since it did not mandate universal psychiatric benefits, it had a limited effect on the disparity between the treatment of psychiatric and nonpsychiatric medical diseases. Now comes the Affordable Care Act combining parity with the individual mandate for health insurance.

According to the National Institute of Mental Health, nearly 57.7 million people in America suffer from mental disorders in a given year. Affordable healthcare for those with mental illness has become absolutely essential, says Health insurance guaranteed, a pre existing condition medical insurance company.

In an attempt to ensure that people suffering from medical illness do not get burdened by financial worries, health insurance guaranteed plans have included all healthcare services given to such patients within the ambit of their comprehensive as well as guaranteed issue health insurance plans.

About - Health Insurance Guaranteed is the nation's leader in health care for those with pre-existing conditions of all age groups. They have helped over 80% of their clients to find the suitable insurance coverage such as: cancer medical insurance and mental illness insurance, prescription coverage and excellent catastrophic insurance for their pre-existing medical conditions. For those with creditable coverage or who have had insurance within the last 63 days, Health Insurance Guaranteed are even able to provide HIPAA plans that will accept and cover the person with the pre-existing conditions from THE FIRST DAY! This means a smooth transaction in coverage when moving from COBRA to an individual policy.

Health Insurance Guaranteed, a guaranteed issue medical insurance company, works with over 40 different carriers and over 10 different kinds of insurance plans, while providing references as well as any legal documents from the Department of Insurance in any state. They have helped thousands of Americans, they can help anyone! No need for endless internet search for insurance companies, local insurance agents are now just a touch of a button away.
Anyone can apply for health insurance and get a free consultation by visiting the Health Insurance guaranteed website healthinsuranceguaranteed.com or by calling 800-940-5446 Reported by PRWeb 1 day ago.

Study Finds that Complying with Federal and State Regulations the Overwhelming Compliance Priority for Health Insurance Organizations this Year

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Study Finds that Complying with Federal and State Regulations the Overwhelming Compliance Priority for Health Insurance Organizations this Year ALPHARETTA, Ga.--(BUSINESS WIRE)--SAI Global Compliance, a leading provider of governance, risk and compliance (GRC) products, services and technology, today announced the results of its annual Health Insurance Compliance Benchmark Study. Surveying more than 200 compliance professionals in the health insurance industry, the study found that the overwhelming compliance priority for 2013 is to comply with federal and state regulations. As a result, the majority of respondents indicated that their Reported by Business Wire 14 hours ago.

‘Healthy’ democrats

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If you have to keep it a secret, you probably shouldn’t be doing it. California is trying to keep secret how it spends $910 million in federal taxpayer money granted by the Obama administration to set up its health-insurance exchange, Covered California.What we’ve learned so far about... Reported by NY Post 24 minutes ago.

Dogs Consuming Beach Towels, Golf Balls Top List of Bizarre Summer Pet Insurance Claims

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Pets Best Insurance releases list of unusual and expensive summertime claims

Boise, Idaho (PRWEB) June 27, 2013

Pets Best Insurance, a leading nationwide pet insurance agency, has released its annual list of the top five bizarre and expensive insurance claims for the summer season. Since opening its doors in 2005, the Boise-based insurance company has experienced a steady stream of unusual summertime claims.

“Pets will always be curious and adventurous, and the summer months pose many risks for accidents, especially when families include their pets in vacations, yard work and outdoor activities,” said Dr. Jack Stephens, founder and president of Pets Best Insurance. “When preparing for vacations and projects, please don’t forget to take precautions for your four-legged family members.”

*Some of the more unusual summertime pet health insurance claims the agency has received include:

Throwing in the Towel

Tango, a German shorthaired pointer in Missouri with a penchant for gobbling household objects, chose to make a beach towel a summertime appetizer. The meal didn’t settle well. After the dog threw up parts of the towel, the remaining portion had to be surgically removed, to the tune of $2,063. Fortunately, Pets Best Insurance reimbursed $1,650 of the veterinary bill.

Two Holes in One

There’s no par for this course. While his owners were away, a Labrador retriever in California named Copper passed the time by scarfing down not one, but two golf balls. Both had to be surgically removed, costing $3,874, of which Pets Best reimbursed the pet owners 80 percent.

Snacking on Fertilizer

Fertilizer is good for the yard, but not the stomach. When a Weimaraner named Max ingested some fertilizer, he had to be closely monitored and treated with intravenous fluids. Pets Best reimbursed $1,133 of the $1,618 veterinary bill.

“Pet owners should always keep an eye on their pets when yard chemicals and fertilizers are being used,” said Dr. Stephens. “Pets can become very ill from eating fertilizer, and they often ingest it straight from the bag or by licking it off their paws. It might not be the first issue pet owners think about, but consuming fertilizer can lead to serious health issues for animals.”

That’s the Pits

Who would think nectarine pits could cause so much trouble? When Bailey, a Labrador retriever, devoured some nectarine pits, his dessert resulted in two expensive trips to the vet. The first cost $517, with Pets Best reimbursing $414. The second bill ran up to $3,322, of which Pets Best reimbursed $2,657.

Bummer Beach Party

Zoie, an energetic Maltese, was living it up during a trip to the beach… until she swallowed some sand. When that followed with loss of appetite and vomiting, she ended up at the vet’s office twice for close monitoring and treatment with intravenous fluids. Her total for both vet bills was $1,991, with Pets Best reimbursing $1,394.

For information about pet insurance plans offered by Pets Best Insurance, please visit http://www.petsbest.com.

*Different deductible amounts and reimbursement percentages may apply based on the policy options selected and available in the insured’s state. The claim examples illustrate conditions that were determined not to be pre-existing for the animal insured. Claim administration is subject to all terms, conditions, limitations and exclusions in the policy.

About Pets Best Insurance

Dr. Jack L. Stephens, president of Pets Best Insurance, founded pet insurance in the U.S. in 1981 with a mission to end euthanasia when pet owners couldn’t afford veterinary treatment. Dr. Stephens went on to present the first U.S. pet insurance policy to famous television dog Lassie. Pets Best Insurance provides coverage for dogs and cats and is the only veterinarian founded and operated pet insurance company in the United States. Dr. Stephens leads the Pets Best Insurance team with his passion for quality pet care and his expert veterinary knowledge. He is always available to answer questions regarding veterinarian medicine, pet health and pet insurance. The Pets Best Insurance team is a group of pet lovers who strive to deliver quality customer service and value. Visit http://www.petsbest.com for more information.

Pet insurance plans offered and administered by Pets Best Insurance are underwritten by Independence American Insurance Company, a Delaware Insurance company. Independence American Insurance Company is a member of The IHC Group, an insurance organization composed of Independence Holding Company, a public company traded on the New York Stock Exchange, and its operating subsidiaries. The IHC Group has been providing life, health and stop loss insurance solutions for nearly 30 years. For information on The IHC Group, visit: http://www.ihcgroup.com. In states in which Independence American Insurance Company’s new policy form has not yet received regulatory approval, Aetna Insurance Company of Connecticut will underwrite policies. Each insurer has sole financial responsibility for its own products. To determine the underwriter in your state, please call Pets Best at 1-866-929-3807.

Pets Best Insurance is a proud member of the North America Pet Health Insurance Association (NAPHIA).

### Reported by PRWeb 1 day ago.

Zane Benefits Publishes New Information on the Wyoming Health Insurance Exchange

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New Insurance Exchange to Open October 1st for Wyoming Individuals and Small Businesses

Park City, UT (PRWEB) June 27, 2013

Today, Zane Benefits published new information on the Wyoming Health Insurance Exchange.

According to Zane Benefits’ website, as part of the Affordable Care Act, health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges (also called health insurance marketplaces).

Wyoming announced in November 2012 that the state would default to a federally-facilitated health insurance exchange. The Wyoming Health Insurance Exchange will open October 1, 2013, for coverage starting January 1, 2014.

According to Zane Benefits’ website, starting October 1, 2013, Wyoming residents will be able to access information about all the plans available through the Exchange. All individual plans will be guaranteed-issue, and eligible consumers will receive tax subsidies to reduce the cost of their plan. The tax subsidies are based on family status and household income. The Exchange will also screen for eligibility in Medicaid.

According to an estimate by healthcare.gov, 82,495 or 17% of Wyoming’s non-elderly residents are uninsured, of whom 68,436 (83%) may qualify for either tax credits to purchase coverage in the Marketplace or for Medicaid if Wyoming participates in ACA Medicaid expansion.

For small businesses, the Wyoming SHOP Exchange will be available for employers with 100 or fewer employers.

Click here to read full article.

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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for Health Reimbursement Arrangements (HRAs) and defined contribution health care (click here to read more on health reimbursement arrangements). The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit http://www.zanebenefits.com. Reported by PRWeb 1 day ago.

David Moulson Offers Top 6 Tips to Avoid Mistakes When Applying for Life Insurance in Canada

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Canadian life insurance agent, David Moulson of the President’s Group, has provided his own new insight into the top 6 mistakes people most commonly make when applying for life insurance in Canada.

(PRWEB) June 28, 2013

Canadian life insurance agent, David Moulson of the President’s Group, has seen many people make many mistakes time after time when it comes to filling out an application for life insurance in Canada.

These top 6 mistakes provided by David cover the most commonly misconceived things, along with tips to ensure these mistakes aren’t made:

1.    Don’t lie on an application – This could put your family at risk if there is a claim and could get caught without coverage.

2.    Don’t visit a doctor right before the insurance medical exam – It can end up being extremely counterproductive.

3.    Don’t purchase too little coverage – Try to figure out what your family’s expenses will be over the next 15-20 years.

4.    Don’t wait to buy until older – Just because you are healthy today is no guarantee that you or family members will be healthy in the future.

5.    Don’t have a casual smoke – No matter how little you smoke, if you have any at all, you will likely pay 2 to 3 times more what a non-smoker pays.

6.    Don’t plan an exotic vacation – Wait at least 2 years to plan an adventurous vacation or to a country with political unrest. You want to make it easy to get approved without this kind of risk.

“According to the Life & Health Insurance Foundation for Education, there are many myths that surround life insurance,” says Moulson. “More Canadians need to know the importance of life insurance.”

To find out more about David and what he can do to help you, “like” him on Facebook or follow him on Twitter (@David_Moulson).

About David Moulson:
Having been in the life insurance business for over 24 years, David prides himself in running his business with one simple idea: saving people money on the cost of their present life insurance and making sure they have the right amount of protection for the best price. He currently specializes in providing the professional and small business owner market with low cost term life insurance and tax advantaged permanent life insurance. To find out how David can help you, please visit: http://tpgdavid.ca/Home.html. Reported by PRWeb 17 hours ago.

Sarcoma Alliance Examines Affordable Care Act

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The nonprofit has just published an article on the ACA, also known as Obamacare. The law is expected to help many with rare cancers, but getting to see a specialist will remain a problem.

New York, NY (PRWEB) June 28, 2013

The Patient Protection and Affordable Care Act, also known as "Obamacare," will help many sarcoma survivors, but doesn't fix all the problems faced by people with rare cancers, Suzie Siegel of the Sarcoma Alliance said Friday.

She just published an article that details how the law may affect people with sarcoma, a cancer of bone, cartilage, muscle, nerve, fat and other connective tissues.

"I'm optimistic that this law will increase much needed access to care for many people," said Sarcoma Alliance board member Matthew Anderson, MD, PhD, director of clinical and translational cancer research in gynecologic oncology at Baylor College of Medicine in Houston.

The law calls for states to set up Health Insurance Marketplaces to make affordable policies available from private insurance companies. People who don't have insurance through the government or their employer will be required to buy a policy from a private insurer, or be penalized. They can be exempt for religious reasons and financial hardship. Coverage will start Jan. 1.

"This should help sarcoma survivors who couldn't afford insurance before or couldn't get a policy because of their medical history," said Siegel, a survivor of leiomyosarcoma who lives in Tampa. "But many patients who are already covered find that their insurance company will not let them go out of network to see a sarcoma specialist for a second opinion, let alone continuing care. The ACA won't change this."

William Tap, MD, section chief for sarcoma oncology at Memorial Sloan-Kettering Cancer Center in New York, said he and his staff spend "a huge portion" of their time working with insurance companies that don’t want to pay for out-of-network visits.

"Some states and big cities have no sarcoma specialists," Siegel said. "That's why the Alliance has a web page to help people get insurance authorization for a referral. We also offer reimbursement up to $500 for people who need a second opinion from an expert."

The ACA will require insurance companies cover routine costs associated with a patient's participation in a clinical trial. Now, some states require coverage, and others don't. Because sarcoma is rare, it can be hard to get enough patients for the large clinical trials required for FDA approval, Siegel said. As a result, few drugs are approved for the disease; many patients get chemotherapy that was approved for a more common cancer.

Also on Jan. 1, the law will:

1. Extend family insurance to members under 26 years old. This is especially important for sarcoma survivors because sarcoma represents 15 percent of childhood cancers, Siegel said.

2. Require private insurance companies to cover pre-existing conditions. They can't reject applicants or charge higher premiums because of medical history.

3. Stop insurers from dropping someone because they get sick.

4. Stop insurers from setting lifetime dollar limits for "essential health benefits."

5. Expand the number of people eligible for Medicaid in states that have accepted the program.

The law will protect people from "financial catastrophe," said Brietta Clark, JD, a professor at Loyola Law School in Los Angeles. She specializes in the inequities of health-care law.

The ACA will not change Original Medicare or Medicare Supplement Insurance, called Medigap. In many states, companies that offer Medigap to seniors can refuse policies to people under 65 who are disabled. Or, they may be required to write only the most basic policy, and they can charge higher premiums to people with disabilities.

"I pay almost $500 a month for my Medigap policy," Siegel said. "These huge premiums are a special issue for sarcoma patients because sarcoma strikes younger people, on average, than the more common cancers do."

Sarcoma can arise anywhere at any age, from newborn on up. The nonprofit Sarcoma Alliance, based in Mill Valley, Calif., provides education, guidance and support to people affected by the disease.

For more information, go to http://sarcomaalliance.blogspot.com/2013/06/how-affordable-care-act-may-affect.html Reported by PRWeb 18 hours ago.

Experient Health to Offer Health Care Reform Seminar at the Campbell County Public Library in Rustburg, Va.

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Experient Health, a Virginia Farm Bureau company, will address community questions on the impact of Health Care Reform on families and small businesses.

Richmond, Va. (PRWEB) June 28, 2013

Experient Health will host a Health Care Reform 101 community seminar for Virginia Farm Bureau Monday, July 1 from 1 to 2 p.m. at the Campbell County Public Library at 684 Village Highway in Rustburg, Va.

New health care reform laws that go into effect in 2014 mandate that individuals carry health insurance or, in most cases, pay a fine. Consumers will have to purchase plans with comprehensive benefits that meet minimum coverage requirements.

The free seminar is meant to provide an open forum to ask questions about, among other health care reform topics, online marketplaces (formerly referred to as exchanges), tax credits, essential health benefits, pre-existing conditions and network requirements.

Planning to attend? RSVP to Linda Tomlin or Darlene Cowart at 434.332.5411 or 800.57.6482. Register online here.

Can’t attend? Visit http://www.experienthealth.com to request a private consultation.

ABOUT EXPERIENT HEALTH:

For years, Experient Health, a Virginia Farm Bureau company, has helped people find the right insurance coverage and get the most for their health care dollars. The Richmond, Va.-based group is dedicated to providing high quality health insurance options to customers in Virginia, Maryland, and Washington DC. As a result, its consultants, with an average of more than 20 years experience, are intimately familiar with the states’ provider networks, products and regulations.

Representing the top national insurance carriers, Experient Health provides customers with multiple policy options designed to meet wellness needs and financial requirements.

Experient Health grew out of Virginia Farm Bureau and is a “hometown agency” in that it operates a network of more than 100 offices. However, it boasts the resources and technology of larger firms.

Consultants are available online, via phone and through their offices.

Learn more at http://www.experienthealth.com, utilize the online health insurance quote calculator or contact a consultant directly at 855.677.6570. Reported by PRWeb 17 hours ago.

Affordable Car Insurance Rates - Great Online Discounts

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lnsure.org has been launched to provide Auto Insurance savings.

(PRWEB) June 28, 2013

lnsure.org, a new car insurance tool, uses a driver's zip code to create an up-to-the-minute list of local insurance carriers, allowing motorists to get a better idea of how their policies stack up against other local options.

Click here to visit the website.

"Most drivers think about their car insurance policies about once or twice per year. They don't ever think about switching insurers, and that's alarming when you consider how often insurers change their pricing algorithms," said a representative of this website. "To avoid overpaying, we recommend comparing policies every few months, and our online tool gives motorists an easy way to do this."

After browsing through a local list of providers, drivers can select a specific insurance company to get a quote. Each carrier presents a different insurance quote form, which ensures the accuracy of each quoted premium. All of the car insurance quotes are completely free.

By reading insurance quotes, drivers can also make more effective decisions about deductibles, coverage levels and opt-in insurance coverage. Many insurance analysts recommend comprehensive and collision coverage, for instance, and drivers who understand their options are statistically more likely to purchase these options.

The website is a comprehensive insurance tool that also offers carrier lists for home insurance, life insurance and health insurance. This website representatives recommend comparing insurance rates for all of these products at least once or twice per year.

Click here to learn more or get auto insurance quotes. Reported by PRWeb 17 hours ago.

Fertility Clinics in the US Industry Market Research Report Now Available from IBISWorld

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In the coming years, the industry will benefit from improving per capita disposable income, a greater number of people with private health insurance, and an increase in the average age at which couples marry and have children; older women have a harder time conceiving than younger women do. For these reasons, industry research firm IBISWorld has added a report on the Fertility Clinics industry to its growing industry report collection.

Los Angeles, CA (PRWEB) June 28, 2013

In the five years to 2013, IBISWorld estimates that revenue for the Fertility Clinics industry has increased at an average rate of 1.2% to nearly $1.6 billion. Although the industry weathered the recession well, the decline in per capita disposable income and fall in the number of people with private health insurance slowed the industry's growth and caused revenue to fall 0.9% in 2009. “In 2013, continued improvement in the labor market is expected to boost per capita disposable income and increase the number of people with private health insurance,” says IBISWorld industry analyst Kevin Culbert. “These factors are expected to contribute to industry growth of 2.2% in 2013.”

Over the past decade, the use of frozen embryos has become more popular. In 2001, frozen embryo transfers represented 14.1% of in vitro fertilization (IVF) procedures, but in 2011 it represented 22.7% of IVF procedures. Although fresh embryos still represent the majority of activity for IVF, frozen embryos have gained popularity due to relatively high success rates. “Furthermore, recent studies have shown that there tend to be fewer pregnancy complications when frozen embryo transfers are used over traditional IVF methods,” adds Culbert. “Improvements in fertility medicine technology have increased pregnancy success rates and improved efficiency, ultimately boosting Fertility Clinics industry profit.”

Since 2008, major company IntraMed America has made several acquisitions to expand the number of fertility clinics under its umbrella. Despite this, the industry's market share concentration is considered to be low. IBISWorld expects that the number of clinics will remain fairly stable during the next five years; the small businesses that dominate the industry will largely continue to operate separately due to the few benefits of consolidation within the highly fragmented market.

IBISWorld estimates that industry revenue will grow in the five years to 2018. During that time, the industry will benefit from improvement in the labor market. A declining unemployment rate will ultimately boost per capita disposable income and the number of people with private health insurance. In spite of these positive opportunities for growth, the industry will nevertheless face a declining marriage rate, as more couples choose unmarried cohabitation over traditional marriages. And as couples date and live together longer before marriage, the average age at which couples marry has increased. This trend is expected to continue over the next five years and ultimately contribute to the industry's growth because older women have a harder time conceiving than younger women do. For more information, visit IBISWorld’s Fertility Clinics in the US industry report page.

Follow IBISWorld on Twitter: https://twitter.com/#!/IBISWorld
Friend IBISWorld on Facebook: http://www.facebook.com/pages/IBISWorld/121347533189

IBISWorld industry Report Key Topics

This industry includes medical facilities that offer treatments to aid individuals in conceiving children. These facilities offer diagnosis, medications, intrauterine insemination and other assisted reproductive technology methods.

Industry Performance
Executive Summary
Key External Drivers
Current Performance
Industry Outlook
Industry Life Cycle
Products & Markets
Supply Chain
Products & Services
Major Markets
Globalization & Trade
Business Locations
Competitive Landscape
Market Share Concentration
Key Success Factors
Cost Structure Benchmarks
Barriers to Entry
Major Companies
Operating Conditions
Capital Intensity
Key Statistics
Industry Data
Annual Change
Key Ratios

About IBISWorld Inc.
Recognized as the nation’s most trusted independent source of industry and market research, IBISWorld offers a comprehensive database of unique information and analysis on every US industry. With an extensive online portfolio, valued for its depth and scope, the company equips clients with the insight necessary to make better business decisions. Headquartered in Los Angeles, IBISWorld serves a range of business, professional service and government organizations through more than 10 locations worldwide. For more information, visit http://www.ibisworld.com or call 1-800-330-3772. Reported by PRWeb 17 hours ago.

Brand-New Atlantic Information Services Report Outlines Exchange Regulations Governing Pharmacy Benefits

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This first report in AIS’s Management Insight Series outlines the health insurance exchange regulations governing pharmacy benefits, and offers strategies for maximizing the value of the pharmacy benefit while still complying with state and federal rules.

Washington, DC (PRWEB) June 28, 2013

Industry-leading health business information publisher Atlantic Information Services is pleased to announce the release of Designing Pharmacy Benefits in Health Insurance Exchanges. The book, the first in AIS’s Management Insight Series, outlines the health insurance exchange regulations governing pharmacy benefits, and offers strategies for maximizing the value of the pharmacy benefit while still complying with state and federal rules.

Of the 10 essential health benefits that must be included in small-group and individual products sold on health insurance exchanges in 2014, the rules governing prescription drugs have changed the most since HHS’s initial guidance. Health plans must create a more substantial pharmacy benefit than initially expected, which could impact their ability to contain costs.

Providing straightforward advice presented in an easy-to-follow question-and-answer format, Designing Pharmacy Benefits in Health Insurance Exchanges is intended to help pharmacy, clinical services and medical directors; strategic planners; product development, contracting and marketing executives; and financial and operations executives at health plans, PBMs and pharmacy benefit administrators, pharmaceutical manufacturers and consulting firms get to the bottom of key issues such as mid-year formulary changes and how specialty drugs might be treated under the regulations. And relevant regulations and bulletins offer the tools necessary to make sure pharmacy benefit design complies with state and federal exchange requirements while balancing cost with access.

Designing Pharmacy Benefits in Health Insurance Exchanges includes material adapted from a December 2012 AIS webinar presented by John Jones, Senior Vice President, Professional Practice and Pharmacy Policy at OptumRx, a UnitedHealth Group Company, and Caroline Pearson, Vice President of Avalere Health LLC, as well as appendices of essential health benefits data.

For more information on Designing Pharmacy Benefits in Health Insurance Exchanges, including a full table of contents and a PDF of the foreword to the report, visit http://aishealth.com/marketplace/designing-pharmacy-benefits-health-insurance-exchanges.

AIS’s Management Insight Series is designed to provide practical solutions to complex business challenges with the help of the industry’s most insightful advisors and managers. See a full list of titles in this series at http://aishealth.com/marketplace/insight-series.

About AIS

Atlantic Information Services, Inc. (AIS) is a publishing and information company that has been serving the health care industry for more than 25 years. It develops highly targeted news, data and strategic information for managers in hospitals, health plans, medical group practices, pharmaceutical companies and other health care organizations. AIS products include print and electronic newsletters, websites, looseleafs, books, strategic reports, databases, webinars and conferences. Learn more at http://AISHealth.com. Reported by PRWeb 16 hours ago.

BBS Insurance to Host Affordable Care Act Seminars

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To alleviate confusion and concern, BBS Insurance will be breaking down the Affordable Care Act.

Vero Beach, FL (PRWEB) June 28, 2013

BBS Insurance will be hosting Affordable Care Act Seminars on July 11, 2013 @ 2:00 pm at Vero Surf Hotel to help individuals and businesses understand the changes that will come from its implementation next January. There are many confusing aspects of the new legislation and there have been many concerns raised by the public. BBS hopes their seminars will help to answer some of these questions.

The Affordable Care Act was signed by President Obama in March of 2010. The Act is set to make major changes in healthcare throughout the country, and will affect businesses in different ways. BBS Insurance wants all of its clients to fully understand the changes and be prepared to work through them.

If interested in attending the seminars, contact BBS at 772-299-6116, or visit them on the web at http://www.bbsinsuranceinc.com. BBS Insurance is happy to answer questions and help find the most efficient and affordable options for every client. For more information about the Affordable Care Act, visit http://www.apha.org/advocacy/Health+Reform/?gclid=CLnm5oiF3LcCFcqh4AodDhoAUQ.

About the company:
BBS Insurance Inc. is a full-service health insurance agency that can handle a client as small as an individual to as large as thousands of employees. They proudly serve Vero Beach, FL. Better Business Solutions is a licensed Insurance Agency in the State of Florida. This allows them to offer multiple lines of insurance. Their insurance services include the following: Employee Benefits (Group): they represent various insurance companies to fit the need of any size group. A group is as small as two people up through thousands. Employee benefits consist of Health insurance, Life insurance, Dental insurance, Disability insurance, Long Term Care, Vision and Supplementary insurance. They specialize in Customer Service. In addition to writing clients’ policies, BBS handles billing concerns, claims issues and other related concerns regarding your group policies. Reported by PRWeb 15 hours ago.

WCASD Changes Bonuses Plan, Jacks Up Insurance Premium Costs to Some

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WCASD Changes Bonuses Plan, Jacks Up Insurance Premium Costs to Some Patch West Chester, PA --


Several employee groups in the West Chester Area School District will be paying more for health insurance starting Monday while seeing the way raises are paid change dramatically.  The board says that while premiums while rise under the plan, out of po Reported by Patch 15 hours ago.

United Healthcare says contract with Memorial Hospital terminated

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The contract between Memorial Hospital in Belleville and United Healthcare is set to expire at midnight Sunday, but a spokesman for the insurance company said the deal has been terminated. According to United Healthcare spokesman Kevin Shermach, the hospital rejected an offer Tuesday from the health insurance company that would have provided a "dramatic increase" in reimbursement rates to physicians and illustrates its desire to keep the hospital and Memorial Medical Group in its provider network,… Reported by bizjournals 13 hours ago.

Auto Insurance Discounts Online - Low Cost Auto Insurance Quotes

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Insurance-Online.us has been created to offer affordable auto insurance rates.

(PRWEB) June 28, 2013

Insurance-Online.us, click here to visit the website, features an innovative auto insurance calculator, aimed at helping consumers to find the most affordable rates for their cars in the areas where they live. The new calculator is designed to allow consumers to see and compare the various auto insurance rates in states across the country.

Consumers need only enter their location zip code, after which web visitors will be presented with a listing of insurance companies in his or her region. Users may click on the links offered to learn more about each car insurance offering.

Click here to save on car insurance rates.

The website’s specially designed search engine will automatically determine the location and based upon that information, display quotes from multiple car insurance carriers on the screen. These features allow consumers to compare rates easily and effortlessly, to save money on many of the affordable insurance plans available today in their region.

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Click here to learn more or get auto insurance quotes. Reported by PRWeb 13 hours ago.

Bob Burnett: Texas: America's Dream or Nightmare?

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On April 17 there was a horrific explosion at the West Chemical and Fertilizer plant in West, Texas, that killed 15 people, injured more than 200, destroyed or damaged 150 homes and caused at least $100 million in losses. Five days later, Texas Governor Rick Perry was in Illinois trying to lure business to Texas, praising his state's limited regulations. Is Texas America's future?

Republican conservatives have a simple economic precept: what's good for business is good for America. Conservatives believe states should provide a "business friendly" environment with low taxes and few regulations. They argue this inevitably creates jobs and builds community through the "trickle-down" theory of Reaganomics: "a rising tide lifts all boats."

Texas is the foremost practitioner of the conservative theory. This year Chief Executive Magazine voted Texas "the best state to do business in" for the ninth consecutive year, citing factors such as low taxes and sparse regulations. Texas' 6.5 percent unemployment rate is below the national average.

But the Texas economy has negative aspects that contributed to the explosion at the West Chemical and Fertilizer plant. There is no state fire code and McLennan, the county that housed the plant, also has no fire code. According to the New York Times


Texas has also had the nation's highest number of workplace fatalities -- more than 400 annually -- for much of the past decade. Fires and explosions at Texas' more than 1,300 chemical and industrial plants have cost as much in property damage as those in all the other states combined for the five years ending in May 2012.


In much of Texas zoning laws are non-existent. In 1962, when the West Chemical and Fertilizer plant originally opened, the facility was far from downtown; in recent years, a school, nursing home, and apartment complex were built nearby.

A consequence of Texas' "anything goes" attitude is not only the nation's highest number of workplace fatalities but also America's dirtiest environment. According to the Houston Chronicle Texas leads the U.S. in greenhouse gas emissions.


Texas' coal-fired power plants and oil refineries generated 294 million tons of carbon dioxide and other heat-trapping gases in 2010, more than the next two states -- Pennsylvania and Florida -- combined.

Regrettably, many Texans lack adequate health care. The Texas Observer reports that the state ranks first in the nation for adults without health insurance.

Over the last decade, Texas added thousands of jobs in construction and energy. Unfortunately, Texas leads the nation in construction fatalities.


The Texas construction industry is characterized by dangerous working conditions, low wages, and legal violations that hurt working families and undercut honest businesses.


Furthermore, an average of 39 energy industry workers die each year.


Oil and gas field services and drilling workers were killed on the job in Texas more than those in any other profession, according to a Houston Chronicle analysis of five years of fatal accidents investigated by the Occupational Safety and Health Administration.

And when Texans are injured on the job, they often have great difficulty getting their medical claims reimbursed. Texas is the only state where employers have a choice about paying worker's compensation. If the worker's employer doesn't provide coverage, the worker has to file a civil claim. But even when there is worker's compensation, the system is notoriously difficult.

Texas Governor Rick Perry roams the U.S. luring workers to Texas with the promise of good jobs, but the reality is unimpressive. Writing in the American Independent Patrick Brendel observed the new Texas jobs are primarily low-wage jobs:


Texas has by far the largest number of employees working at or below the federal minimum wage ($7.25 per hour in 2010) compared to any state, according to a [Bureau of Labor Statistics] report. In 2010, about 550,000 Texans were working at or below minimum wage, or about 9.5 percent of all workers paid by the hour in the state.


On June 14, Governor Perry vetoed an equal pay bill.

Meanwhile, the ruined city of West, Texas, is struggling to recover. Total losses will be more than $100 million and FEMA likely will reimburse only 10 percent. The City of West has sued the owner and supplier of the West Chemical and Fertilizer Plant.

On April 22 Texas Governor Rick Perry was asked about the explosion at the West Chemical and Fertilizer Plant and contended that "more government intervention and increased spending on safety inspections would not have prevented" the West catastrophe.

What's happened in West and Texas graphically illustrates the choice facing America. We can adopt an extreme pro-business strategy and subordinate worker pay and safety; we can, in effect, tell the 99 percent, "You're on your own." Or we can adopt a strategy that puts people first; we can decide that capitalism has to be subordinate to democracy and protect the rights of all Americans. Reported by Huffington Post 12 hours ago.

A Gay History

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I’ve been writing about marriage since 1993—two decades now. I expected these decisions, like everyone else. And yet I was still grinning like a fool when, with one fist, the Supreme Court smashed the Defense of Marriage Act (DOMA)—the 1996 law that banned the federal government from recognizing my marriage in Massachusetts—and with the other hand waved away the Proposition 8 case like a gnat. In practice, that means same-sex couples will soon marry again in California, the most populous state in the nation. And it means I am married not just in Massachusetts, but also in the United States (although not necessarily in Virginia, Texas, or any other state that bans same-sex marriage) for such exciting purposes as filing federal taxes, Social Security claims, immigration, and insurance. 

And yes, we’ll immediately be seeing a couple hundred more dollars in my prosecutor wife’s paycheck every month, as Massachusetts informed us by the day’s end, since the feds won’t be taxing my listing on her health insurance any more. And while all that practical stuff matters, it wasn’t what had me grinning like a cheshire cat. Mid-morning, as I watched reactions slide down my tweetdeck columns, I felt the last bit of my supervillain costume evaporating. 

I first glimpsed the costume at ten or twelve, when I started having a terrible recurring nightmare. An enormous man was in my closet—huge, hulking, hairy—wearing my clothes. He was crouching right behind the louvered doors, just steps away from my suburban trundle bed. It was one of those paralyzing nightmares from which I had trouble entirely waking up: My heart pounded so hard I was frozen. Not for years did I grasp what my sleeping mind had been trying to telling me: that was me. I might not be a girl at all. I was something to fear, a man in a little girl’s body, a supervillain, a queer. 

I wasn’t transgendered; I wasn’t even particularly masculine. But it was the end of the 1960s, which in the Air Force suburb where I lived, meant, culturally, it was the 1950s. My imagination wasn’t very sophisticated, but it knew before I did that I didn’t fit. I was already a little big, a little awkward, a little bookish. I didn’t want to be a supervillain too. When other girls had crushes on the Monkees, I picked one to squeal about. When I was struck with the horrible insight that I wanted to kiss another girl, I chased boys. 

By the age of twenty, to save my life—I had begun fantasizing about cleaning myself out with drano—I gave up and proudly donned the supervillain costume. I found a girl, shoved open those louvered doors and started shouting, like so many of us, that I was queer. We were the imminent death of civilization? Really? Okay then! Civilization be damned! I’d be transgressive, a proud outsider, a critic of all of you with your boring patriarchal families. I covered my backpack and ancient VW with buttons and stickers. I cut my hair razor short, wore overalls and hiking boots, and walked around as a stereotype incarnate. When I first came out in 1978, there wasn’t much open gay activism: The closest thing on my state land grant college’s campus was a feminist “women’s group” that was in fact a lesbian group. The gay boys went partying instead. 

Although I didn’t know it at the time, back then a handful of couples had tried to get married, here and there. When they did, they were snorted out of court. In 1973, two women in Kentucky applied for a marriage license, and sued when they were refused one. The Kentucky Court of Appeals’s reasoning for siding with the state was the same that, today, gets treated as ridiculous: Marriage was by definition between a man and a woman, a union made real by a potentially procreative sex act. ^11. As the indefatigable Chris Geidnerreports over at Buzzfeed, the court wrote: “It appears to us that [the women] are prevented from marrying, not by the statutes of Kentucky or the refusal of the County Court Clerk of Jefferson County to issue them a license, but rather by their own incapability of entering into a marriage as that term is defined. ... In substance, the relationship proposed by the [women] does not authorize the issuance of a marriage license because what they propose is not a marriage.”

 

I landed in Boston in the early 1980s at roughly the same time that Barney Frank was elected to the House of Representatives. A few determined political folks were starting to lobby for such basics as anti-discrimination ordinances and on-the-job domestic-partner benefits. There weren’t many of us, and we all knew each other. We talked mostly among ourselves in those years. Here in Boston, a local woman, Laurel Chiten, filmed a soap opera called 2 in 20: Because one in ten is so lonely. We jammed the Somerville movie theater for it. Cartoonist Alison Bechdel chronicled my generation’s lives and politics in the fictional strip Dykes to Watch Out For, which ran in the feminist and gay press. There was the incendiary and groundbreaking Gay Community News, for those inclined to collaborate with the other sex; Sojourner, the feminist newspaper where I was editor ever so briefly; and Fag Rag, for those who specialized in gay liberation. Back then we didn’t exist in popular culture. When the Gay City News office went up in flames—probably arson—you heard about it from the other gay outlets. Few straight people had any interest in our existence. We weren’t mentioned in the mainstream news media, except (wink wink) in home décor and Ann Landers columns. Occasionally, if the handful of activists in a given town pressed a newspaper really hard, it would briefly cover a particularly brutal gay bashing or murder. 

Sex and love, of course, were what helped us have the nerve to throw open those louvered closet doors. After all the anxiety, actually touching one another was insanely energizing: Wait, they made me feel there was something wrong with this?! Like the hippies before us, we queers could believe that simply making love would change the world. Who could hate us for that?

Plenty of people. I was spat upon. Right here in liberal Massachusetts I was called hideous things walking down Cambridge’s Oxford Street. I learned to beware of teenagers, especially a particular gang who lived on my street. I worried about my safety at night. I was never physically attacked, thank God, and neither was anyone I knew. But we knew it was possible. The looks of disgust, disdain, contempt, hatred, fear—any hated minority (immigrants, Muslims, African Americans) knows how those slice into your insides. 

The religious right made hideous films to warn audiences that we were coming to molest their kids. “Researchers” compiled hideous fake facts, which got repeated ceaselessly, painting us as lust-driven superpredators. “Pray away the gay” groups did untold damage to thousands of people like the Prospect’s own Gabriel Arana. Gay groups’ headquarters were attacked, burned, threatened, defaced.

How nasty was the climate? In 1984, the Boston Globe published an article noting that two foster children had been placed with a gay male couple. The governor, Michael Dukakis, yanked those kids out of that home and changed the state’s policy so that such an abomination would never happen again. Everyone “knew” what gay men did to children, right? Nevertheless, the gay-rights establishment backed him for president. Just 35 years ago, the raging New England liberal who insisted that “homosexuals” weren’t fit to be parents was our best, most gay-friendly candidate yet. No wonder we fell all over ourselves for Bill Clinton just four years later: He seemed to think we were human beings. 

Pride was one of the few exhilarating places we could walk around in public without fear or shame, bringing together the ragtag army of ex-lovers that Amy Hoffman described in her indispensable memoir of the era. Pride, which for years felt like a kind of Brigadoon, was a kind of moving sociological display, with different contingents appearing each year as the community changed. Back in the 1980s Boston Pride parades, there were the predictable dykes on bikes, the wild queens on roller skates, the softball gals, the leathermen displaying areas of the body I’d rather not have seen, the well-oiled men in Speedos and headdresses gyrating on bar floats that pounded out dance music, and of course, lots of ordinary folks wearing Mardi Gras beads. As AIDS progressed through the 1980s, Pride got increasingly angry, featuring “Silence = Death” signs and offshoots of ACT UP and Queer Nation dropping abruptly to the ground to enact death. Then, in the wake of AZT and the anti-retroviral cocktails, new groups emerged: religious groups like the Catholic gay group Dignity, LGB corporate employee groups, an ever-growing sober contingent, and eventually, a contingent of parents pushing strollers. 

The national marches—all of which I attended, the March on Washington in 1979, in 1987, in 1993, and the Stonewall 25 anniversary in New York City in 1994—did much more, of course, than just give us the enormous relief of being together. As Sue Hyde of the National Lesbian and Gay Task Force, who helped organize the early ones, has said, organizing them meant building a nationwide political network with nodes all over the country. At least some of those who attended came away energized to go home and pass local ordinances, talk to state legislators, build AIDS hospices or LGBT centers or try to get their employers to offer domestic-partnership benefits. That took a lot of guts or recklessness—you could lose child custody, or jobs, or homes, or family for being out, or have your life threatened for being HIV-positive.

Mary Bonauto, ^2 Mary Bonauto’s unofficial title is the marriage movement’s Thurgood Marshall whose work led to Edie Windsor’s victory yesterday; she masterminded is the visionary strategist behind the New England wins, and launched the anti-DOMA lawsuits that paved the way for Windsor. She is very private and little noticed, fiercely insistent on sharing credit, but really must go down in the history books as the mother of the marriage movement, alongside Evan Wolfson, who equally deserves the credit he gets as its father. civil rights director at GLAD (Gay & Lesbian Advocates & Defenders), once told me that in her early GLAD years, when she’d argue a case, she’d often have to just talk for about ten minutes in front of a judge as he peered down at her, visibly aghast, obviously thinking: That’s a queer! After the glazed look of disgust wore off, she would repeat what she’d said, hoping he might hear. In Massachusetts, Arline Isaacson did the same with the legislature, showing up, day after day, in her suit and pumps, trying to persuade the good Irish Catholics that God would forgive them if they protected the queers. Similarly ordinary heroes were doing the same all across the country. 

 

By the 1990s I had become, briefly, a professional homo, doing my little part, writing about the ordinary fears and anxieties and thoughts that we felt inside the supervillian suits. In 1993, in The New York Times Magazine, I wrote about the moment that a pair of motel clerks in a rough New Mexico town realized that my insistence on getting a double bed, not two singles, meant that my partner and I were queer. We were unnerved enough by their reaction to bar our hotel room door that night. I was stunned by the national response I got for being the first to write openly about being a lesbian in the august Times. The same year, in The Nation, I defended the cause of same-sex marriage (which no one yet called “marriage equality”) as feminist, against the queer activists who wanted us to invent new institutions instead. In the LGBT press I repeatedly urged everyone to take on Thanksgiving-table activism: “Hey Mom, Karen and I want to get married, please pass the cranberry sauce.” I wrote one of the first books—and the first feminist one—exploring how it was possible to ask whether two people of one sex should be able to marry? All that was possible in part because of the cultural changes wrought by AIDS, as Americans witnessed queers across the country desperately trying to care for those they loved—and because a politician from Arkansas had begun talking about us as ordinary people, forcing the mainstream press to follow suit.  

Soon enough, of course, Bill Clinton broke our hearts by giving us two backlash pieces of legislation—Don’t Ask Don’t Tell and the Defense of Marriage Act. The latter cameafter three rogue Hawaii couples sued for marriage licenses and, in 1993, got a signal from the state Supreme Court that maybe they had a case. When it looked as if the state of Hawaii was going to be the first to break the marriage barrier, panic broke out in the U.S. Congress. Republicans and Democrats alike stampeded to the microphones to speechify against the threat we homos posed to civilization, motherhood, and babies. You’ve heard their arguments: Next comes incest, polygamy, and bestiality. You think they sound ludicrous now. But 20 years ago, the measures passed the House and Senate with overwhelming support. It was a despairing time. 

And yet I think that’s when the rest of you started to see beyond the supervillain costume. Because at the same time, we were breaking open into the mainstream culture, as I’ve written here before. The next time I remember so many lesbians packed into a theater was in 1997, when we lined up around the block to watch Ellen’s “puppy episode” broadcast live on ABC. My friend and hero Hillary Goodridge and her partner Julie read my marriage book and signed up for one of Mary Bonauto’s lawsuits (Hillary used to mouth to me, it’s all your fault!), becoming the named plaintiffs in the case that broke marriage open. I was so grateful to them for being willing to stand up in front of the TV cameras as role models, acting just like ordinary people who wanted to marry. Which of course they were. We weren’t radical young things any more, dismantling the patriarchy. We were homeowners, partnered, often with children. 

But by 2002 I was writing, here, that we had won. Not the legal battle, but the cultural battle, from which all else flows. It wasn’t inevitable, as Freedom to Marry founder and president Evan Wolfson regularly and rightly insists; everyone had to work at it—hard. But they did, or if not everyone, enough of us. Seeing where things were heading, I stopped writing so much about LGBT life and shifted my attention to other issues where injustices remain far more rife. I’ve gone long stretches of forgetting that I’m a supervillain, mainly because no one else around me seems to recall. That little flicker of horror that we used to scan for obsessively has disappeared from others’ eyes; saying “my wife” or “my son’s other mother” doesn’t even register, here in Cambridge, as anything but ordinary; and, perhaps most important, it’s no longer acceptable for public figures to call us queer. Even Antonin Scalia was oddly polite in his dissent in Windsor, scarcely calling us any names whatsoever, as if his rage had finally faded. At this point I recoil from a bumper sticker or button; I can no longer handle the shouting, although I appreciate those for whom that’s the right role. My job now is a quieter one (except, of course, when our ten year old is awake). 

Ten years ago Wednesday, to the day, the Supreme Court knocked down homo-only sodomy laws. Scalia saw exactly what that meant. Having such a law, he wrote:



… cannot itself be a denial of equal protection, since it is precisely the same distinction regarding partner that is drawn in state laws prohibiting marriage with someone of the same sex while permitting marriage with someone of the opposite sex. ...

This reasoning leaves on pretty shaky grounds state laws limiting marriage to opposite-sex couples. 



Of course, he was right. We all knew it, even if we weren’t going to say it in public yet. If you couldn’t say that loving someone of the same sex was a danger to the nation’s moral fabric, how could you bar us from marriage? Victory was on the way.

Nine years ago, Massachusetts began marrying same-sex pairs. The reaction was a nationwide gasp of horror—and then, with the right messaging and thoughtful activism, a slowly increasing understanding that we just want to love and take care of one another, just like everyone else. Of course this shift deserves a long disquisition, but I’ve written about this before. For today, let me just say that to me, it’s felt startlingly quick over the past five years, as if the table had tilted and absolutely everyone rolled down to my side. People who were warning gay people not to push so far so fast just ten years ago are now gobsmacked by the irrationality of the opposition. The of course attitude of some liberal allies can be hard to take. But that’s whiny, really. I am profoundly grateful that the country has stopped being shocked and grasped my secret: I was never really queer at all. None of us were. People just thought we were.

Yesterday, after the DOMA decision and the Prop. 8 decision came down precisely as everyone had predicted, no surprises whatsoever, I told my tough-guy wife. She had said she didn’t care, except that the feds would stop taking big chunks out of her paycheck for carrying me on her health insurance, treating that as additional imputed income. But she teared up visibly. It passed fast; she’s a jock, and as we all know, there’s no crying in baseball. But I would bet my last penny that hers was a common reaction. No matter how socially independent you may feel, it does matter to have the highest Court in the land declare that you’re a full citizen, a real person, after all. 

Then I had to take our ten-year-old to the dentist. I put on my ordinary sundress-wearing identity, dressing up as a conventional, mortgage-paying, work-at-home mother of a child on summer vacation—all of which, of course, I am. At the dentist’s office it struck me, out of nowhere, that this year I will check off “married” on my federal taxes. That’s when I finally started to sob, trying of course to keep it quiet. Who knew that the prospect of being recognized by ordinary bureaucracy could so completely undo me? The receptionist with the industrial-strength Boston accent asked me if I was okay. We were perhaps a mile from where those teenagers had once tormented me whenever I walked to the bus. She could easily have been one of them, back in the day. I told her about the morning’s decision. She clucked like a mother hen, and said, Well, it’s about time people had some sense. You go celebrate tonight, honey. We’re all so happy for you. 

I’m sobbing again as I write this. It’s been a long time coming, but the supervillain costume has evaporated. There wasn’t a scary man hiding in my closet after all. It was always only me, ordinary and boring. As everyone can now see.  Reported by The American Prospect 10 hours ago.

Christian Employers Claim Their Religion Puts Them Above the Law

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Ready for the next court fight over Obamacare? Get to know Hobby Lobby, the chain of stores fighting the Affordable Care Act's requirement that the health insurance employers offer their employees cover contraception, and the next Christian martyr to the unholy scourge of health coverage for employees. Hobby Lobby's owners are conservative Christians, and though their company isn't a church, they'd like to choose which laws they approve of and which they don't, and follow only the laws they like. And a federal appeals court just ruled that not only can their suit go forward, but they're likely to win. Because apparently, "This law violates my religious beliefs" is now a get-out-of-jail-free card.

The decision is simply mind-blowing, essentially finding that private business are just like religious institutions, and therefore they can decide which laws they have to obey:



"Hobby Lobby and Mardel have drawn a line at providing coverage for drugs or devices they consider to induce abortions, and it is not for us to question whether the line is reasonable," the judges wrote. "The question here is not whether the reasonable observer would consider the plaintiffs complicit in an immoral act, but rather how the plaintiffs themselves measure their degree of complicity."

Hobby Lobby Stores Inc., Mardel Inc. and their owners, the Green family, argue for-profit businesses — not just religious groups — should be allowed to seek an exception if the law violates their religious beliefs. The owners approve of most forms of artificial birth control, but not those that prevent implantation of a fertilized egg — such as an IUD or the morning-after pill.

Hobby Lobby is the largest and best-known of more than 30 businesses in several states that have challenged the contraception mandate. A number of Catholic-affiliated institutions have filed separate lawsuits, and the court suggested faith-based organizations can follow for-profit objectives in the secular world.

"A religious individual may enter the for-profit realm intending to demonstrate to the marketplace that a corporation can succeed financially while adhering to religious values. As a court, we do not see how we can distinguish this form of evangelism from any other," they wrote.



I'm not a lawyer, so maybe there's something I'm missing here, but my reaction upon reading this was, "Holy crap!" It's not for the court to question whether Hobby Lobby's interpretation of what laws it would rather follow is correct? Seriously? And they don't see how they can distinguish selling pipe cleaners and finger paint from any other form of evangelism?

Before we get to the core question here, it's just incredible that one of the reasons the court found in favor of Hobby Lobby was that the company didn't want to pay for insurance that would pay for "drugs and devices that the plaintiffs believe to be abortifacients." But what they believe is utterly irrelevant. One of the methods they object to is Plan B, the morning-after pill. But Plan B isn't an abortifacient. The plaintiffs can choose to "believe" that it is if they want, but they're asking that the state accept their belief as if it were true just because they believe it, and thereby exempt them from obeying the law. In effect that creates a justification for anyone who wants to ignore the law to create their own factual universe, then use that invented universe to say they're exempt from the laws everyone else has to follow. If you get caught by a speed camera going 50 in a 35 zone, you can't say, "Your honor, I believe that all speed cameras automatically register cars as going 15 miles per hour over their actual speeds. Therefore, I was going 35, and I am exempt from this fine."

This is not the last challenge we're going to see to this part of the ACA; there are going to be many other companies coming forward to say, "We're Christian, so therefore the law doesn't apply to us." But just think for a moment about the principle they're using to justify that position. There isn't any question about the constitutionality of this provision of the ACA. It was passed by Congress and signed by the President. It's the law of the land. But these private companies are saying that they have the right to choose which laws they obey, simply by saying "It's my religion."

To put this in context, the law doesn't distinguish between "real" religions and fake religions, and properly so. One of the reasons we have the religious freedom we do in America is that the founders didn't want to set up a system like the one that existed in Europe, where there was a single state religion and none others had protection. So if you want to get married by a clergyman from the Church of Holy Toenail, you might have to fill out some extra paperwork, but you'll be able to do it.

And that means that if we apply this rationale more broadly, anyone, whatever religion they claim to believe in, should be able to declare themselves exempt from any law they don't like. And what's more, they don't even need any evidence from their religious tradition or texts to justify it. You know what the Bible says about contraception? Absolutely nothing. Not a word. But along the way, some Christians decided that God disapproves of contraception, even though most Christians use it. So now anyone can declare that their religion, i.e. their personal interpretation of their religion, has a greater legal force than actual laws.

I have to pay taxes? Sorry, I'm a Hindu, so I think taxes are an abomination unto the Lord. Sure, there's no justification for that position in any Hindu text, but the Bible says nothing about contraception either, and Christians are getting an exemption for that, so I decided that Hinduism forbids tax paying. You caught me breaking into my neighbor's garage and stealing his nice new 18-volt cordless drill? Well, I'm a Buddhist, and I believe that private property is an impediment to enlightenment, so what's his is mine. The zoning laws in my neighborhood forbid retail establishments? Sorry, I'm a member of the Church of the Homemade Energy Bar, which mandates that all adherents sell energy bars out of their homes, so the zoning rules don't apply to me.

I only skimmed the decision in this case, so maybe there's something there I missed that makes this seem less appalling. But religious organizations get all kinds of special treatment from the government as things stand today, and what the plaintiffs in this case (along with their supporters) seem to be arguing is that religious people ought to enjoy a special privileged status that puts them above the law. Reported by The American Prospect 9 hours ago.

White House Weighs In On Contraception

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The Obama administration announced the final rules under the Affordable Care Act on Friday requiring most employer health insurance plans to cover employees' contraception without a copay.

“The health care law guarantees millions of women access to recommended preventive services at no cost,” said Health and Human Services Secretary Kathleen Sebelius in a statement. “Today’s announcement reinforces our commitment to respect the concerns of houses of worship and other non-profit religious organizations that object to contraceptive coverage, while helping to ensure that women get the care they need, regardless of where they work.”

The rule, which goes into effect August 1 for religious non-profits after a year-long grace period, completely exempts houses of worship and makes accommodations for many religiously affiliated schools, hospitals and charities. Under the accommodation, religious non-profits can avoid having to pay for contraception directly by having the third-party insurance provider foot the bill for that specific coverage.

A number of for-profit companies that are owned by religious people, including the craft supply chain Hobby Lobby, have sued the administration over the birth control rule, arguing that the accommodation does not go far enough to exempt religious employers from having to pay for services to which they morally object. Hobby Lobby and some other religious employers believe that emergency contraception, which is covered under the rule, induces abortions.

The 10th Circuit Court of Appeals sided with Hobby Lobby on Thursday, ruling that companies shouldn't have to pay millions of dollars in fines while their legal objections to the birth control rule are being considered.

Cecile Richards, president of Planned Parenthood Action Fund, applauded the final rule in a statement on Friday.

“This means that women will have access to birth control at no cost, no matter where they work," Richards said. "This is a historic moment for women’s health and economic security. Birth control is basic health care for women, and this policy treats it like any other kind of preventive care. Throughout history, birth control has had a transformative impact on women’s health, education, and economic opportunities, and this policy expands access to birth control like never before."

She added, “It’s appalling that we still have to fight for access to birth control in 2013."

This is a developing story. Please check back for updates. Reported by Huffington Post 9 hours ago.
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