Quantcast
Channel: Health Insurance Headlines on One News Page [United States]
Viewing all 22794 articles
Browse latest View live

Covered California Awards Millions in Contracts Without Competitive Bids

$
0
0
Covered California Awards Millions in Contracts Without Competitive Bids Covered California, the state health insurance exchange created under the Affordable Care Act of 2010, awarded $184 million worth of contracts for various services to several firms without obtaining competitive bids for the contracts, according to a new investigative report.

Additionally, according to the Associated Press, employees of a firm called The Tori Group that received $4.2 million in various contracts have long-standing professional connections to Covered California Executive Director Peter Lee.

According to the report, when Covered California was created in 2010, the agency was given permission to award no-bid contracts as a way to make sure the new exchange met key deadlines. 

Executive director Peter Lee acknowledged in a statement that while Covered California did award some contracts to firms with connections, the agency "needed experienced individuals who could go toe-to-toe with with health plans and bring to our consumers the best possible insurance value. Contractors like the Tori Group possess unique and deep health care experience to help make that happen and get the job done on a tight deadline."

Leesa Tori, founder of the Tori Group, previously worked under Lee at Pacific Health Advantage, a now-defunct small business insurance exchange. According to the AP, Covered California first awarded a relatively small contract worth $150,000 to the Tori Group in March 2013, but subsequent changes to the grant increased the value of the contract to $4.2 million. Covered California's board signed off on the increase.

Tori herself now works as Covered California's director of plan management, while the Tori Group's chief financial officer, Kathleen Solorio, is the agency's operations adviser. According to the report, nine employees of the Tori Group also hold positions at Covered California.

In addition to the contracts awarded to the Tori Group, two contracts worth $525,000 were awarded to the Pacific Business Group on Health Negotiating Alliance, a subsidiary of the company that Lee was previously head of.

Kathay Feng, executive director of government watchdog California Common Cause, told the AP that more oversight is needed to ensure no-bid contracts are administered properly.

"Some accountability and transparency is needed, whether through audits or an alternative oversight body," Feng said. "To spend $4.2 million on anything, let alone a contract to a former friend and colleague, raises serious questions." Reported by Breitbart 12 hours ago.

SecondOpinions.com & Solstice Benefits, Inc. Announce Strategic Partnership

$
0
0
SecondOpinions.com, a leader in telemedicine and teleradiology solutions, and Solstice Benefits, Inc, a private exchange solution provider, announce a strategic partnership to offer an enhanced delivery of valuable wellness benefits for employees at a very low or minimal cost to employers.

FORT LAUDERDALE, FLORIDA (PRWEB) October 13, 2014

SecondOpinions.com, a division of USARAD Holdings Inc.—a leading US Joint Commission Accredited teleradiology and telemedicine solutions provider—and Solstice Benefits, Inc., a private exchange solution provider, have announced a strategic partnership which will enable SecondOpinions.com to promote its corporate programs through the Solstice Marketplace private exchange.

The Solstice Marketplace is a private health exchange solution for brokers and employer groups offering health and ancillary benefits, benefits administration and single source billing. It provides sustainable, scalable growth for corporations, and includes innovative tools to address the changing needs of health care consumers, intuitive online enrollment system for group employees, built-in billing, subscriber support and enrollment videos, and more. Brokers have the flexibility to upload their own plans or choose from preloaded standard plans, including SecondOpinions.com plans. The platform offers competitive rates and enrollment bonus structure.

SecondOpinions.com offers value-added employee wellness benefits, providing consumers with expert second opinions from all medical specialists. They can upload digital images (MRI, CT, etc.) to a HIPAA regulated, secure, confidential platform and receive a report within hours. In addition, doctors in virtually every medical specialty are on standby to provide consultations via phone or video chat. Recent surveys have found that more than three quarters of all employers offer at least one wellness program, and as such are able to attract higher caliber employees.

Given the quality of each company’s services—and the overall goal of employee wellness—the partnership offers an enhanced delivery of valuable wellness benefits for employees at a very low or minimal cost to employers.

“We are thrilled to partner with SecondOpinions.com so our brokers can provide even better quality wellness programs to their groups," said Solstice COO Carlos Ferrera. “Second opinions can help achieve improved medical outcomes, a healthier, more productive workforce and greater employee satisfaction. That’s what we want for our members.”

Michael Yuz, MD, MBA, CEO and founder of SecondOpinions.com, said, “Due to the complexity of medicine, it is essential for corporations and their employees to have a second opinion membership plan. We are indeed excited about our partnership with Solstice that promises to enhance exposure of our critically important services. An educated employee is more likely to seek out the proper medical treatment necessary for improved health care."

About SecondOpinions.com:
SecondOpinons.com®, a division of USARAD Holdings Inc. is a medical consultation and second opinions leader providing second opinion consultation services by board certified physicians in all areas of medicine including radiology. Utilizing a unique, proprietary patent- pending, cloud technology, SecondOpinions.com makes it possible to receive an expert second opinion in the privacy of one’s home or office. SecondOpinions.com® provides services to individual consumers and also contracts with insurance companies, corporations and medical centers of excellence. SecondOpinions.com provides patients, physicians and other consumers with expert opinions from all medical specialists and subspecialists. End users upload digital images (MRI, CT etc.) to a HIPAA regulated, secure, confidential platform and receive a report within hours. In addition, doctors in virtually every medical specialty are on standby to provide consultations via phone or video chat. Please visit http://www.secondopinions.com or contact 855-5-SECOND.

About Solstice:
Solstice is a privately held Florida corporation based in Plantation, Fla. Solstice administers and markets dental, vision, pharmaceutical, life and short- and long-term disability benefits plans. Solstice and its subsidiaries also offer Third Party Administration (TPA) services in the Alabama, California, Colorado, Connecticut, Florida, Georgia, Illinois, Maryland, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas and Virginia markets—and are in the process of expanding nationwide. It has been named one of “Florida’s Best Companies to Work For” and has made Inc. magazine’s “America’s Fastest Growing Companies” list for three years in a row. The company was awarded accreditation with the Better Business Bureau (BBB), indicating dedication to quality and excellence in business practices.

The Solstice Marketplace is a private exchange developed by health insurance carrier Solstice Benefits. Created specifically with insurance brokers in mind, the Solstice Marketplace provides brokers with a one stop shop to offer personalized service to their customers.

Media Contact:
Debbie Liebross
debbie(at)secondopinions(dot)com
954-436-3644 (O) Reported by PRWeb 13 hours ago.

Happy Halloween from the GOP

$
0
0
Republicans have adopted a Halloween-themed campaign strategy that they hope will incite voters to run screaming from Democrats.

The GOP message: Americans should be very, very afraid because the homeland is under attack from ghouls and goblins manifest as Ebola and ISIS. Republicans even threaten boogeymen in the form of ISIS suicide agents strapping themselves with Ebola virus vests and sneaking across the southern U.S. border.

This embrace of Halloween tricks is not surprising from the party pushing voter suppression while masquerading as a democracy-loving founding father.  The GOP is warning Americans that they should be scared witless of impending government disintegration because a guy with a knife got into the White House. This “caution” comes from the political party that favors government disintegration. Republicans have, after all, repeatedly shut down government and announced their intention to drown it in a bathtub. Republicans want America to summon the GOP to save the day, like it’s the political version of Ghostbusters. Most Americans, though, see right through the GOP, like it’s a gooey glob of ectoplasm. 
Halloween, with its blood and gore, witches and werewolves, is a children’s holiday because its horrors are fictional. Republicans have picked up on that theme for their Halloween fear-mongering. Fabricating characters and events to induce terror is just part of the GOP-Halloween scheme.

There is, for example, the scary story concocted by U.S. Rep. Duncan Hunter, R-Calif. He told Fox News last week that border agents apprehended 10 Islamic State fighters in Texas. The Department of Homeland Security described this as “categorically false.” You know, like the one about border agents apprehending 10 vampires in Texas.

Unlike Hunter’s flashlight-in-the-face, camp-tent tales, ISIS and Ebola are real. ISIS has beheaded several Westerners overseas and Ebola has killed one person in the United States – a man who contracted the disease in West Africa.

Both can elicit fear. But more immediately frightening and more justifiably alarming to most Americans are other threats that Republicans have refused to help resolve.

For example, sickening, paralyzing and even killing children across America is Enterovirus D-68. It has been diagnosed in more than 600 people in 45 states and the District of Columbia, virtually all children. The Centers for Disease Control (CDC) believes it may have killed five patients, and confirmed last week it caused the death of a 4-year-old New Jersey boy last month. Unlike Ebola, which is transmitted through body fluids, Enterovirus D-68 is vastly more contagious, spread through the air like common cold germs.

The “sequester” and other budget cuts demanded by Republicans reduced the CDC budget by more than $1 billion in 2013, including hundreds of millions slashed from programs intended to intervene in situations like Enterovirus D-68. Republicans aren’t offering to restore that money to help save children from paralysis and death. The parents of that New Jersey 4-year-old are living with the very real nightmare of losing him. 

Similarly, the lack of health insurance threatens the lives of thousands of Americans. Millions still don’t have coverage, partly because Republican governors and legislators have refused to expand Medicaid under the provisions of the Affordable Care Act. A study by Harvard and the City University of New York found that each year between 7,115 and 17,104 people will die because their states denied them health insurance through Medicaid. That is a real horror. And it is one created by Republicans.

To distract Americans from that reality, Republicans are running around screaming, “ISIS is coming! ISIS is coming!” GOP candidates are broadcasting chilling ads warning of imminent attacks by terrorists and exploiting footage provided by ISIS of beheadings.*The Daily Show*
Get More: Daily Show Full Episodes,The Daily Show on Facebook,Daily Show Video Archive 

Even so, Americans know the GOP won’t protect them. Americans recall quite clearly that it was during the administration of Republican George W. Bush that the 9/11 attacks occurred. They know that same GOP president lied about weapons of mass destruction to terrify Americans into an unprovoked war with Iraq. And they remember that for all of Bush’s bravado about hunting down Osama bin Laden, he failed. It was Democrat Barack Obama who actually did it.

The other problem for Republicans is that Americans aren’t seeking a red elephant to cower behind. Americans aren’t a bunch of faint-hearted Chicken Littles. They’re a take charge John Wayne bunch. They’d rather solve problems themselves than rely on a bunch of Republicans costumed as superheroes.

As he took office in the depth of the Great Depression, Franklin Delano Roosevelt told the American people, “The only thing we have to fear is fear itself – nameless, unreasoning, unjustified terror which paralyzes needed efforts to convert retreat into advance. In every dark hour of our national life, a leadership of frankness and vigor has met with that understanding and support of the people themselves which is essential to victory.”

Republicans are urging Americans to devolve into helpless cowards fearing fear itself. While barely acceptable as a Halloween prank, it’s offensive as a national strategy.  Reported by Huffington Post 12 hours ago.

Happy Halloween From the GOP

$
0
0
Republicans have adopted a Halloween-themed campaign strategy that they hope will incite voters to run screaming from Democrats.

The GOP message: Americans should be very, very afraid because the homeland is under attack from ghouls and goblins manifest as Ebola and ISIS. Republicans even threaten boogeymen in the form of ISIS suicide agents strapping themselves with Ebola virus vests and sneaking across the southern U.S. border.

This embrace of Halloween tricks is not surprising from the party pushing voter suppression while masquerading as a democracy-loving founding father.  The GOP is warning Americans that they should be scared witless of impending government disintegration because a guy with a knife got into the White House. This “caution” comes from the political party that favors government disintegration. Republicans have, after all, repeatedly shut down government and announced their intention to drown it in a bathtub. Republicans want America to summon the GOP to save the day, like it’s the political version of Ghostbusters. Most Americans, though, see right through the GOP, like it’s a gooey glob of ectoplasm. 
Halloween, with its blood and gore, witches and werewolves, is a children’s holiday because its horrors are fictional. Republicans have picked up on that theme for their Halloween fear-mongering. Fabricating characters and events to induce terror is just part of the GOP-Halloween scheme.

There is, for example, the scary story concocted by U.S. Rep. Duncan Hunter, R-Calif. He told Fox News last week that border agents apprehended 10 Islamic State fighters in Texas. The Department of Homeland Security described this as “categorically false.” You know, like the one about border agents apprehending 10 vampires in Texas.

Unlike Hunter’s flashlight-in-the-face, camp-tent tales, ISIS and Ebola are real. ISIS has beheaded several Westerners overseas and Ebola has killed one person in the United States – a man who contracted the disease in West Africa.

Both can elicit fear. But more immediately frightening and more justifiably alarming to most Americans are other threats that Republicans have refused to help resolve.

For example, sickening, paralyzing and even killing children across America is Enterovirus D-68. It has been diagnosed in more than 600 people in 45 states and the District of Columbia, virtually all children. The Centers for Disease Control (CDC) believes it may have killed five patients, and confirmed last week it caused the death of a 4-year-old New Jersey boy last month. Unlike Ebola, which is transmitted through body fluids, Enterovirus D-68 is vastly more contagious, spread through the air like common cold germs.

The “sequester” and other budget cuts demanded by Republicans reduced the CDC budget by more than $1 billion in 2013, including hundreds of millions slashed from programs intended to intervene in situations like Enterovirus D-68. Republicans aren’t offering to restore that money to help save children from paralysis and death. The parents of that New Jersey 4-year-old are living with the very real nightmare of losing him. 

Similarly, the lack of health insurance threatens the lives of thousands of Americans. Millions still don’t have coverage, partly because Republican governors and legislators have refused to expand Medicaid under the provisions of the Affordable Care Act. A study by Harvard and the City University of New York found that each year between 7,115 and 17,104 people will die because their states denied them health insurance through Medicaid. That is a real horror. And it is one created by Republicans.

To distract Americans from that reality, Republicans are running around screaming, “ISIS is coming! ISIS is coming!” GOP candidates are broadcasting chilling ads warning of imminent attacks by terrorists and exploiting footage provided by ISIS of beheadings.*The Daily Show*
Get More: Daily Show Full Episodes,The Daily Show on Facebook,Daily Show Video Archive 

Even so, Americans know the GOP won’t protect them. Americans recall quite clearly that it was during the administration of Republican George W. Bush that the 9/11 attacks occurred. They know that same GOP president lied about weapons of mass destruction to terrify Americans into an unprovoked war with Iraq. And they remember that for all of Bush’s bravado about hunting down Osama bin Laden, he failed. It was Democrat Barack Obama who actually did it.

The other problem for Republicans is that Americans aren’t seeking a red elephant to cower behind. Americans aren’t a bunch of faint-hearted Chicken Littles. They’re a take charge John Wayne bunch. They’d rather solve problems themselves than rely on a bunch of Republicans costumed as superheroes.

As he took office in the depth of the Great Depression, Franklin Delano Roosevelt told the American people, “The only thing we have to fear is fear itself – nameless, unreasoning, unjustified terror which paralyzes needed efforts to convert retreat into advance. In every dark hour of our national life, a leadership of frankness and vigor has met with that understanding and support of the people themselves which is essential to victory.”

Republicans are urging Americans to devolve into helpless cowards fearing fear itself. While barely acceptable as a Halloween prank, it’s offensive as a national strategy.  Reported by Huffington Post 12 hours ago.

HUFFPOLLSTER: Is Bruce Braley Rebounding In Iowa?

$
0
0
A new survey confirms a very close contest in Iowa. Polls point to a narrow Republican advantage in the battle for the Senate -- and a slim majority of Americans expect them to win. And early voting suggests higher than usual turnout in key battleground states. This is HuffPollster for Monday, October 13, 2014.

*IOWA POLL SHOWS BRALEY REBOUND* A new Des Moines Register/Bloomberg Politics Iowa Poll finds the Iowa Senate candidates separated by just a single percentage point, with *47 percent for Republican Joni Ernst and 46 percent for Democrat Bruce Braley*. In the last Register poll, conducted two weeks ago, Ernst held a 6 percentage point lead. The new poll roughly matches the current estimate of the HuffPost Pollster poll tracking model, which also gives Ernst a roughly 1 percentage point edge, as of this writing, and a barely better than 50/50 chance of winning in November. [Des Moines Register, Pollster Iowa chart]

*Braley advantage with early voters...* - Jennifer Jacobs: "The Democrats' aggressive early voting push is aiding Braley, an eight-year congressman from Waterloo. They're rounding up ballots from Iowans who would not otherwise have voted...*Among the 15 percent of poll respondents who say they have already voted, Braley leads convincingly, 56 percent to 38 percent*....The poll shows that among likely voters who say they definitely still plan to vote, Ernst holds a 5 point lead — 48 percent to 43 percent."

*...and on issues* - Jacobs: "Likely voters find more of Braley's policy positions closer to their own views than Ernst's positions among 10 issues tested. *A majority of likely voters favor six of Braley's stances to four of Ernst's.*" The Register poll tested each issue without candidate names attached. They found Braley positions winning majority support on Social Security, abortion, climate change, financial industry reform, marriage equality and raising the minimum wage. Ernst positions tested better on taxes, repealing Obamacare, gun rights and immigration. [Des Moines Register]

*MORE NEW POLLING SHOWS COMPETITIVE BATTLEGROUND RACES* - Three new polls, conducted by Harrison Hickman (D) for the pro-Keystone Consumer Energy Alliance, find relatively tight races for Senate in Alaska, Georgia, and Louisiana. The surveys give David Perdue (R) a 2-point edge over Michelle Nunn (D) in Georgia, and Dan Sullivan (R) a 5-point lead over Mark Begich (D) in Alaska. In Louisiana, Mary Landrieu (D) leads by 10 points in the Election Day primary, while Cassidy has a 1-point edge in a head-to-head runoff. [Energy Alliance]

*NATIONAL SENATE OUTLOOK* - The current polling snapshot *illustrates the narrow but plausible path Democrats have to retaining Senate control*. Democrats must hold their narrow leads in New Hampshire and North Carolina while overcoming slight Republican edges in Iowa and Colorado. To keep a Senate majority -- 50 senate seats that would allow Vice President Biden to break a tie in their favor -- Democrats would also either need independent Greg Orman to win in Kansas and opt to join their caucus or for one of their candidates to rally from polling deficits in Alaska, Georgia, Kentucky or Louisiana. Given the very close nature of all of these contests, but especially in Iowa, Colorado and Kansas, our model continues to find considerable uncertainty about the outcome, giving the Republicans a 57 percent probability of winning a majority. Our model takes into account the potential for real-world polling error, and poll averages can easily miss by a percentage point or two on the margin in the final weeks of the campaign, with errors of 3 or 4 percentage points less frequent but still very plausible. [HuffPost Senate Forecast]

*'EARLY VOTING PICKING UP STEAM'* - Michael McDonald: "With a little more than three weeks to go, voters have cast 642,831 ballots in all reporting jurisdictions....With so much early voting activity over 2010 in the key Senate battlegrounds, *perhaps the most prudent assessment is that turnout will be high in these states with competitive races*....Iowa remains ground zero for the fight for the Senate, and for early voting mobilization activities. As of Friday, 119,141 Iowans had voted in the 2014 general election, representing 10.5 percent of the total vote in 2010. If past patterns hold, the pace of early voting will continue to rise as the election nears. So, either an unprecedented number of Iowans will vote early in a midterm election, overall turnout will be exceptionally high, or (what is most likely) both will happen." [HuffPost, McDonald's Election Project early voting statistics]

*AMERICANS PREDICT GOP SENATE TAKEOVER* - Lydia Saad: "Fifty-two percent of Americans say they expect the Republican Party to win in the U.S. Senate, while an even larger majority, 63%, say Republicans will retain their majority in the House of Representatives….Partisans on both sides show signs of wishful thinking when assessing which party will win control of the U.S. House and Senate this fall....The more objective predictions may be those made by political independents, which mirror the national averages. More than half of independents predict Republicans will win the Senate, and a solid majority -- 61% -- say Republicans will win the House….This is the first time Gallup has asked Americans about the likely party outcome in the U.S. Senate, and thus it has uncertain value as a forecasting tool. However, as Gallup has noted in the past, *Americans' predictions for the U.S. House, albeit limited in number, have been remarkably accurate*, aligning with the winning party in all five midterms in which the question was asked. This includes the 2010 and 2006 midterms -- particularly notable since party control changed after both elections -- as well as in three earlier midterms: 1962, 1958, and 1946." [Gallup]

*HUFFPOLLSTER VIA EMAIL!* - You can receive this daily update every weekday morning via email! Just click here, enter your email address, and and click "sign up." That's all there is to it (and you can unsubscribe anytime).

*MONDAY'S 'OUTLIERS'* - Links to the best of news at the intersection of polling, politics and political data:

-The Election Lab modelers explain why their forecast gives the GOP a 95 percent chance of winning. [WashPost]

-National and state polls now point to a narrow GOP advantage in 2014. [538]

-The "underlying metaphysics of probability" means we won't know which model is right, says Matt Yglesias. [Vox]

-Polling averages are more error prone in contests featuring serious independent or third party candidates. [Daily Kos]

-David Winston (R) talks to Anthony Salvanto about who the real swing voters are. [CBS News]

-Americans are finally beginning to notice improvement in the economy. [YouGov]

-One in four Americans with private health insurance don't have much confidence in their ability to pay for major, unexpected medical expenses. [AP]

-Frank Newport finds attitudes toward the ACA are 'frozen in negative state." [Gallup]

-Alan Reifman ponders novel question wording on opposition to ACA from the political left. [Health Care Polls]

-Jonathan Bernstein defines a wave election as one in which late poll movement favors one party. [Bloomberg]

-The Roper Center remembers polls asking about Columbus and Columbus Day. [@RoperCenter] Reported by Huffington Post 11 hours ago.

Poll: Many insured struggle with medical bills

$
0
0
Having health insurance is no panacea for high medical costs. Overall, 1 in 4 privately insured U.S. adults say they don't have much confidence in their ability to pay for a major, unexpected medical expense. Reported by Seattle Times 11 hours ago.

AssuredPartners Acquires Hukill Hazlett Harrington Agency

$
0
0
Greater Cincinnati-based insurance agency joins Assured Neace Lukens, an AssuredPartners subsidiary

LAKE MARY, Fla. (PRWEB) October 13, 2014

AssuredPartners Inc., through its platform company Assured Neace Lukens, has acquired Hukill Hazlett Harrington Agency, located in greater Cincinnati. The agency specializes in coverage for businesses, including workers’ compensation, commercial liability insurance and employee benefits; and coverage for individuals, including homeowners’, auto, and health insurance.

As part of the acquisition, 19 employees will join Assured Neace Lukens. Hukill Hazlett Harrington Agency employees will move into the Assured Neace Lukens Cincinnati office in early 2015. Operations will continue under the leadership of Rich Lonneman, Managing Director of the Assured Neace Lukens Cincinnati office.

“Hukill Hazlett Harrington Agency traces its roots to 1838. Our tradition of providing quality service to current and prospective clients is the backbone of our company,” said Wayne Oetjen, President and CEO of Hukill Hazlett Harrington Agency. “As part of AssuredPartners, our agents will tap into an extensive carrier network to bring more coverage options and improved service to our clients.”

“The Hukill Hazlett Harrington Agency acquisition supports the AssuredPartners goal of strengthening our presence in current markets. Hukill Hazlett Harrington Agency staff’s expertise and dedication will complement our existing Cincinnati team,” said Tom Riley, President and COO of AssuredPartners, Inc. “We are pleased to welcome Hukill Hazlett Harrington Agency to the growing AssuredPartners family.”

For more information about Hukill Hazlett Harrington Agency, please visit: http://www.hhhinsurance.com/.

ABOUT ASSURED NEACE LUKENS
Founded in 1991, Assured Neace Lukens specializes in commercial property and casualty insurance, employee benefits, risk management and personal insurance coverage. Assured Neace Lukens offers the resources of a large firm and the service of a local independent office. Assured Neace Lukens is headquartered in Louisville, Kentucky, and has more than 30 offices throughout Kentucky, Ohio, Indiana, Illinois, Michigan, Tennessee, Georgia, Mississippi, Florida, and South Carolina. Assured Neace Lukens became an AssuredPartners, Inc. company in September 2011. For more information, visit us at http://www.neacelukens.com, or visit our blog, Facebook and LinkedIn pages.

ABOUT ASSUREDPARTNERS, INC
Headquartered in Lake Mary, Florida and led by Jim Henderson and Tom Riley, AssuredPartners Inc., a portfolio company of Chicago-based private equity firm GTCR, acquires and invests in insurance brokerage businesses (property and casualty, employee benefits, surety, MGA/wholesalers) across the United States and in London. From its founding in March of 2011, AssuredPartners has grown to approximately $390 million in annualized revenue and continues to be one of the fastest growing insurance brokerage firms in the United States with more than 80 offices in 27 states and a London office. Since 2011, AssuredPartners has acquired 70 insurance firms. For more information, please contact Dean Curtis, CFO, at 407.708.0031 or dcurtis(at)assuredptr(dot)com, or visit http://www.assuredptr.com. Reported by PRWeb 11 hours ago.

CheckPoint HR, Inc. Acquires Quantum Benefits, Inc.

$
0
0
CheckPoint HR’s national growth strategy continues with New England expansion.

Edison, NJ (PRWEB) October 13, 2014

Employee benefit and human resource innovator CheckPoint HR, Inc. today announced the acquisition of Quantum Benefits, Inc., an insurance brokerage based in New Haven, Connecticut. Terms of the transaction were not disclosed.

Quantum Benefits has operated in Connecticut since 2003, providing employee benefits brokerage and consulting services to organizations throughout the region. The boutique agency is known for delivering highly attentive customer service and health advocacy to client employees and their families. The agency is led by founders Phil Orlando and Joseph Hall. CEO Phil Orlando’s 19-year health care background includes sales and management roles at Benefitport, Oxford Health Plans, Executive Health Group and U.S. Surgical. President Joseph Hall’s 20 years of group health care experience includes 10 years serving in sales and management roles at Oxford Health Plans with a strong focus on proactive underwriting.

All Quantum Benefits employees will join CheckPoint HR and continue serving clients from the company’s New Haven offices.

“This acquisition markedly extends CheckPoint HR’s reach into the Connecticut and Westchester County markets,” said Jim Pugliese, chief executive officer of CheckPoint HR. “Connecticut is a heavily mandated state with seven major insurance carriers and highly educated buyers. Quantum Benefits’ extensive market knowledge and stellar reputation for customer service combined with CheckPoint HR’s robust technology and service capabilities create a formidable offering in the region.”

CheckPoint HR provides technology and expertise for controlling health insurance costs, efficiently managing administration and ensuring regulatory compliance. The company is the first to fully integrate the employee benefit, human resource and payroll functions on a single technology platform. The cornerstone of this platform is CheckPoint Choice, a full-service employee benefit marketplace.

“Our decision to align with CheckPoint HR follows the path we’ve taken since founding Quantum Benefits,” said Orlando. “We consistently embrace forward-thinking plan designs and technology. Joining forces with Checkpoint HR enables us to deliver a full-service model, including employee benefits, administration, human resources and payroll. It also positions us to offer an employee benefit marketplace as the private exchange model gains traction with employers.”

“Private exchanges will be more popular in 2015 and here to stay in 2016,” added Hall. “Any agency that ignores the trend will be playing catch-up. With CheckPoint behind us, we can compete with brokers and consultants of any size. We have all sides of the equation taken care of. It makes a sales call very comfortable when you can answer, ‘Yes, we can do that.’”

###

About CheckPoint HR
A total employee benefit and human resource solutions provider, CheckPoint HR empowers businesses of all sizes to save money and administrative resources while offering more choice and flexibility to employees. Our expert employee benefit team offers unrivaled expertise in employee benefit strategy, selection and administration. Our proprietary insurance marketplace, CheckPoint Choice, delivers a full-service private exchange that is affordable and easy to manage. Our CheckPoint Core technology fully automates the HR and employee benefits process from recruitment through separation. Collaborating with our employee benefit and human resource experts, CheckPoint HR’s software developers incorporated key industry best practices into a compliance-aware rules engine that takes the guesswork out of employee benefits and HR. The result is efficiency, accuracy, risk mitigation and significant cost savings. To learn more, visit http://www.checkpointhr.com or view a short video at https://www.youtube.com/watch?v=Xo5QBNX1Kw4. Reported by PRWeb 11 hours ago.

Physical Therapists in Canada Industry Market Research Report from IBISWorld Has Been Updated

$
0
0
In particular, privatization and contracting out public services, including physical therapy, may result in lower wages and limited benefits for physical therapists, but the industry has benefited from some provinces expanding the scope of care that physical therapists can provide. For these reasons, industry research firm IBISWorld has updated a report on the Physical Therapists industry in its growing industry report collection.

New York, NY (PRWEB) October 13, 2014

Over the past five years, the Physical Therapists industry has grappled with generating industry revenue growth as many provinces and territories have moved toward the privatization of physiotherapy. IBISWorld Economic Analyst Sarah Turk says in updated report, “Provincial budgetary issues have incited some provinces to cut their publicly funded healthcare services, thereby moving physiotherapy services into the private sector.”

In particular, Ontario announced in 2013 that it plans on eliminating Ontario Health Insurance (OHIP) funding for physiotherapy, which, in turn, has reduced access to physiotherapy for many elderly individuals in long-term care and retirement homes. Furthermore, according to the Canadian Centre for Policy Alternatives' Reality Check on the Size of BC's Public Sector, privatization has posed as a hurdle for many physical therapists.

In particular, privatization and contracting out public services, including physical therapy, may result in lower wages and limited benefits for physical therapists. Nevertheless, the industry has benefited from some provinces expanding the scope of care that physical therapists can provide. For example, in 2011, Ontario's Physiotherapy Act was amended, which has enabled physical therapists to communicate the patient's diagnosis, treat wounds below the patient's dermis, assess or rehabilitate pelvic musculature, administer substances via inhalation, prescribe particular tests (i.e. diagnostic ultrasounds or magnetic resonance imagining), order diagnostics (i.e. x-rays or Computerized Tomography (CT) scans) and order laboratory tests, which has benefited the industry. As a result, during the five years to 2014, industry revenue is expected to grow. Profit is expected to rise from during that period, due to the industry being able to garner higher profitability in line with offering more services in many provinces and territories.

During the five years to 2019, industry revenue is forecast to grow. “Many healthcare providers will attempt to lower healthcare costs, thereby stimulating demand for physical therapy, particularly for services that help patients with high-cost conditions manage their care at inpatient centres, instead of hospitals,” Turk says in the updated report.

For more information, visit IBISWorld’s Physical Therapists in Canada 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 administers medically prescribed physical therapy treatment; plans and administers educational, recreational and social activities designed to help patients with disabilities regain physical or mental functioning or to adapt to their disabilities; and diagnoses and treats speech, language or hearing problems.

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 and Canadian 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 9 hours ago.

How Can I Save On Prescription Medications?

$
0
0
This weekly Q&A addresses questions from real patients about healthcare costs. Have a question you’d like to see answered? Submit it to AskChristina@nerdwallet.com. Question: I take several prescription medications to manage my multiple sclerosis. Most of them are covered by my health insurance, but one medication recently prescribed to help with my [...] Reported by Forbes.com 7 hours ago.

Gary Webb, Jon Stewart, and the Stories That Are Too True to Tell

$
0
0
I cut out on my Saturday chores this weekend to spend a couple of hours watching Kill the Messenger, the big-screen re-telling of the sad story of the California journalist Gary Webb. It was Webb (pictured at top) who poked a giant hornet's nest in 1996 when he reported that the CIA turned a blind eye to government-backed right-wing rebels in Nicaragua who raised millions of dollars by shipping cocaine to U.S. cities at the dawn of the crack epidemic.

That article -- dinged up but never disproved in the 18 years since it appeared in the San Jose Mercury-News -- was a huge indictment of American policies in the Reagan era. But the much bigger story here, and the one that still echoes in the age of Obama, is how "the establishment" conspired to crush Webb like so much roadkill, and how journalists from the nation's elite news organizations practically tripped over each over in a race to do the bidding of the U.S. intelligence community to trash Webb's reporting. The reality is that while some of the story's packaging was a bit overhyped (mostly the fault not of Webb but his bosses), the contents of the package were affirmed again and again, first by the CIA inspector general and as recently as this weekend in some solid reporting in The Huffington Post (here and here.)

You could call this Hollywood redemption song for Webb -- played superbly by the talented Jeremy Renner --"bittersweet," except the aftertaste mostly carries the sting of a raw lemon, and no sugar. The film must carry the anchor weight of knowing that Webb eventually committed suicide a decade ago, money-troubled and still heartbroken over the fact that the Beltway establishment had killed his career in journalism, the only thing in life he wanted to do. There is one line from Kill the Messenger that echoes as you walk quietly out of the theater: The government source who tries vainly to warn Webb away, saying, "Some stories are just too true to tell."

One reason that line resonates is that you can see, in hindsight, how the late 1990s were a moment when the fulcrum of the role that a free press can, and should, play in a true democracy starting tipping -- and tipping in a dangerous direction. The prior era of Watergate, ABSCAM, and a bias toward questioning authority was all but dead. After Webb was wrongly discredited, the list of "stories too true to tell" kept growing longer and longer: That invading Iraq had nothing to do with 9/11, that Wall Street's astronomical profits of the 2000s were built upon a bed of fraud, and that "homeland security" had become an excuse to spy upon law-abiding American citizens.

That's not to say there aren't scores of next-generation Gary Webbs, toiling away in newsrooms large and small. There are, but increasingly -- in a time when investigative reporting is shrinking and power and influence is more consolidated than ever -- a smaller number of groupthink-addled players get to decide what makes really big news, and which stories are "too true to tell." That inside-the-Beltway mind-meld is no accident -- it starts on the playing fields of elite universities and metastasizes over lunch at the Capitol Grille or drinks at Georgetown or Upper West Side cocktail parties. One drug fuels this lifestyle: a drug called "access." Lose access to the people in power, it is believed, and you lose everything.

Gary Webb, in the backwaters of northern California, didn't have access. That didn't hinder his work. To the contrary, that made him a great journalist. He wasn't scared about offending anyone at the CIA, because he didn't know anyone at the CIA.

Like most drugs, the people in D.C., New York and L.A. who are most addled by access have fleeting moments of clarity, when they're desperate to kick the habit. We learned of a remarkable instance of this just the other day, with a mind-boggling report that NBC News -- in an effort to revive its flagging Meet the Press franchise on Sundays and replace the struggling David Gregory -- invested considerable effort in unsuccessful effort to woo not another journalist but rather a comedian with loose journalistic overtones: Jon Stewart of The Daily Show. The timing was ironic, because the Stewart/MTP saga is actually the logical conclusion of the story that started with Gary Webb in 1996: We have finally reached a point where we can no longer trust journalism to the journalists.

Let me explain, because in their muddled minds I don't even think the honchos at NBC understood exactly why they wanted Stewart. They knew that he appealed to young demographic that doesn't now watch traditional news shows, so much that many young people in college or in their 20s often say that Stewart or his late-night kinfolk -- Stephen Colbert, John Oliver or Bill Maher -- are where they mainly get their information about politics and current events. The NBC execs probably think that's because these guys are funny... and sure, that helps.

But the real reason that people call funnyman Stewart "the most trusted news source in America" is that he's an outsider. He rarely worries about offending his journalistic colleagues or angering high-level news sources who won't return his phone calls -- because he doesn't really have any. When a senator like John McCain or Chuck Schumer says something dumb, the first thought that goes through the head of Stewart and his ace staff isn't to get their high-powered pal on the phone to help them weasel their way out of it. Instead, it's to find the tape from two years ago when the senator said the exact opposite thing. And when Stewart does attack journalists -- as he did post-financial crisis on his epic takedown of CNBC -- it is always for being sycophants to the powerful, not because they spoke truth to power. Someone like Stewart or Colbert wouldn't have tried to destroy Gary Webb -- they are Gary Webb, just cloaked in humor.

NBC's talks with Stewart seem like a bizarre plea for help, and in the end they couldn't make this happen (ironically, they went with an insider's insider in Chuck Todd). Maybe that's for the best. For one thing, one of Stewart's few flaws is that he can pull his punches (with the torture-enabler John Yoo, for example) during interview segments... and that says something: That even he struggles when he has face-to-face access. But wouldn't it just be better if -- instead of replacing them with jokesters -- actual journalists get back to doing journalism?

How can that happen? Newsrooms are still reeling in the 2010s, lacking a for-profit model that pays for real news, but in the search for solutions let's all hope that more funding -- probably donations to nonprofits and even "crowdsourced" reporting by concerned citizens, and that's okay -- will go toward investigative reporting, the kind of journalism where the reporter buries his nose in a dense stack of documents and not in the lap of your elected official. If the only journalist left standing is that guy eating a $26 cheeseburger with a White House official at The Palm, we're all screwed.

But every journalist, no matter what she or he covers, can stand for a lot less of the one word that the media critic and professor Jay Rosen has so aptly used to describe the current affliction of our profession: "savviness." That's a reference to newspeople who are too comfortable with showing off their brilliance in knowing how power is exercised, but who never express umbrage at the way their sources/buddies abuse that power.

Let me give you a quick example from just the other day here in Philadelphia. The state agency that oversees city public schools decided to cancel its labor contract with the teachers' union and cut $44 million out of their health insurance to balance the budget. This public body pulled this off in a shocking shroud of secrecy -- minimally meeting the legal requirements with a small legal notice buried in the Sunday classifieds, with nothing on its website and no word to reporters until moments before the vote.

Afterword, I actually read newspaper editorials and even heard from a journalist or two that the move was savvy, not only because the teacher-benefit cuts were deserved (because when you whip the American worker 98 times, I guess they 99th time they had it coming?) but because if the agency hadn't moved in secrecy, the teachers might have been able to block the move in court.

Seriously? Since when it is the job of the journalist to care more about the outcome than about the process? Breaking a major union contract in a room reeking of deception might be a "savvy" thing to do, but it's not something that can be morally justified. If you're not against all forms of lying -- even, or perhaps especially, when a high-ranking official claims that "the end justifies the means" -- and against excessive secrecy by government agencies, then by definition whatever the hell you are doing, it is not journalism.

It's hardly shocking that some of the exact same news people who so gleefully trashed Gary Webb in 1996 are the folks who went after NSA leaker Ed Snowden and his media contacts like Glenn Greenwald and Laura Poitras in 2013-14. They are insiders who not only want to be the gatekeepers, but who want that gate to be closed most of the time. The people banging hard on the outside of the gate- - whether it's Gary Webb or Glenn Greenwald or even Jon Stewart or John Oliver -- are a threat to their influence. But it's a deserved threat, one they've brought on themselves.

There was one other irony that struck me after seeing Kill the Messenger, and that involved the opening scene of the film. It showed Webb reporting his last big story right before the CIA and drug trafficking -- about law enforcement misusing asset forfeiture laws to take millions of dollars from folks who in a number of cases aren't even charged with a crime. When I got home from the movie, this exact story -- about the abuses of asset forfeiture -- was on the front page of the Washington Post, still festering, still a black mark on American society, 18 years after Webb reported it.

How many other stories like this are bubbling under the brownfields of modern American journalism -- not because they're too hot but because they're too true? Reported by Huffington Post 6 hours ago.

Gary Webb, Jon Stewart, and the Stories That Are Too True to Tell

$
0
0
I cut out on my Saturday chores this weekend to spend a couple of hours watching "Kill the Messenger," the big-screen re-telling of the sad story of the California journalist Gary Webb. It was Webb (pictured at top) who poked a giant hornet's nest in 1996 when he reported that the CIA turned a blind eye to government-backed right-wing rebels in Nicaragua who raised millions of dollars by shipping cocaine to U.S. cities at the dawn of the crack epidemic.

That article - dinged up but never disproved in the 18 years since it appeared in the San Jose Mercury-News - was a huge indictment of American policies in the Reagan era. But the much bigger story here, and the one that still echoes in the age of Obama, is how "the establishment" conspired to crush Webb like so much roadkill, and how journalists from the nation's elite news organizations practically tripped over each over in a race to do the bidding of the U.S. intelligence community to trash Webb's reporting. The reality is that while some of the story's packaging was a bit overhyped (mostly the fault not of Webb but his bosses), the contents of the package were affirmed again and again, first by the CIA inspector general and as recently as this weekend in some solid reporting in the Huffington Post (here and here.)

You could call this Hollywood redemption song for Webb - played superbly by the talented Jeremy Renner --"bittersweet," except the aftertaste mostly carries the sting of a raw lemon, and no sugar. The film must carry the anchor weight of knowing that Webb eventually committed suicide a decade ago, money-troubled and still heartbroken over the fact that the Beltway establishment had killed his career in journalism, the only thing in life he wanted to do. There is one line from "Kill the Messenger" echoes as you walk quietly out of the theater: The government source who tries vainly to warn Webb away, saying: "Some stories are just too true to tell."

One reason that line resonates is that you can see, in hindsight, how the late 1990s were a moment when the fulcrum of the role that a free press can, and should, play in a true democracy starting tipping -- and tipping in a dangerous direction. The prior era of Watergate, ABSCAM, and a bias toward questioning authority was all but dead. After Webb was wrongly discredited, the list of "stories too true to tell" kept growing longer and longer: That invading Iraq had nothing to do with 9/11, that Wall Street's astronomical profits of the 2000s were built upon a bed of fraud, and that "homeland security" had become an excuse to spy upon law-abiding American citizens.

That's not to say there aren't scores of next-generation Gary Webbs, toiling away in newsrooms large and small. There are, but increasingly - in a time when investigative reporting is shrinking and power and influence is more consolidated than ever - a smaller number of groupthink-addled players get to decide what makes really big news, and which stories are "too true to tell." That inside-the-Beltway mind-meld is no accident - it starts on the playing fields of elite universities and metastasizes over lunch at the Capitol Grille or drinks at Georgetown or Upper West Side cocktail parties. One drug fuels this lifestyle: A drug called "access." Lose access to the people in power, it is believed, and you lose everything.

Gary Webb, in the backwaters of northern California, didn't have access. That didn't hinder his work. To the contrary, that made him a great journalist. He wasn't scared about offending anyone at the CIA, because he didn't know anyone at the CIA.

Like most drugs, the people in D.C., New York and L.A. who are most addled by access have fleeting moments of clarity, when they're desperate to kick the habit. We learned of a remarkable instance of this just the other day, with a mind-boggling report that NBC News - in an effort to revive its flagging "Meet the Press" franchise on Sundays and replace the struggling David Gregory - invested considerable effort in unsuccessful effort to woo not another journalist but rather a comedian with loose journalistic overtones: Jon Stewart of "The Daily Show." The timing was ironic, because the Stewart/MTP saga is actually the logical conclusion of the story that started with Gary Webb in 1996: We have finally reached a point where we can no longer trust journalism to the journalists.

Let me explain, because in their muddled minds I don't even think the honchos at NBC understood exactly why they wanted Stewart. They knew that he appealed to young demographic that doesn't now watch traditional news shows, so much that many young people in college or in their 20s often say that Stewart or his late-night kinfolk - Stephen Colbert, John Oliver or Bill Maher - are where they mainly get their information about politics and current events. The NBC execs probably think that's because these guys are funny...and sure, that helps.

But the real reason that people call funnyman Stewart "the most trusted news source in America" is that he's an outsider. He rarely worries about offending his journalistic colleagues or angering high-level news sources who won't return his phone calls - because he doesn't really have any. When a senator like John McCain or Chuck Schumer says something dumb, the first thought that goes through the head of Stewart and his ace staff isn't to get their high-powered pal on the phone to help them weasel their way out of it. Instead, it's to find the tape from two years ago when the senator said the exact opposite thing. And when Stewart does attack journalists - as he did post-financial crisis on his epic takedown of CNBC - it is always for being sycophants to the powerful, not because they spoke truth to power. Someone like Stewart or Colbert wouldn't have tried to destroy Gary Webb - they are Gary Webb, just cloaked in humor.

NBC's talks with Stewart seem like a bizarre plea for help, and in the end they couldn't make this happen (ironically, they went with an insider's insider in Chuck Todd). Maybe that's for the best. For one thing, one of Stewart's few flaws is that he can pull his punches (with the torture-enabler John Yoo, for example) during interview segments...and that says something: That even he struggles when he has face-to-face access. But wouldn't it just be better if - instead of replacing them with jokesters -- actual journalists get back to doing journalism?

How can that happen? Newsrooms are still reeling in the 2010s, lacking a for-profit model that pays for real news, but in the search for solutions let's all hope that more funding - probably donations to non-profits and even "crowdsourced" reporting by concerned citizens, and that's OK - will go toward investigative reporting, the kind of journalism where the reporter buries his nose in a dense stack of documents and not in the lap of your elected official. If the only journalist left standing is that guy eating a $26 cheeseburger with a White House official at The Palm, we're all screwed.

But every journalist, no matter what she or he covers, can stand for a lot less of the one word that the media critic and professor Jay Rosen has so aptly used to describe the current affliction of our profession: "Savviness." That's a reference to newspeople who are too comfortable with showing off their brilliance in knowing how power is exercised, but who never express umbrage at the way their sources/buddies abuse that power.

Let me give you a quick example from just the other day here in Philadelphia. The state agency that oversees city public schools decided to cancel its labor contract with the teachers' union and cut $44 million out of their health insurance to balance the budget. This public body pulled this off in a shocking shroud of secrecy - minimally meeting the legal requirements with a small legal notice buried in the Sunday classifieds, with nothing on its website and no word to reporters until moments before the vote.

Afterword, I actually read newspaper editorials and even heard from a journalist or two that the move was savvy, not only because the teacher-benefit cuts were deserved (because when you whip the American worker 98 times, I guess they 99th time they had it coming?) but because if the agency hadn't moved in secrecy, the teachers might have been able to block the move in court.

Seriously? Since when it is the job of the journalist to care more about the outcome than about the process? Breaking a major union contract in a room reeking of deception might be a "savvy" thing to do, but it's not something that can be morally justified. If you're not against all forms of lying - even, or perhaps especially, when a high-ranking official claims that "the end justifies the means" - and against excessive secrecy by government agencies, then by definition whatever the hell you are doing, it is not journalism.

It's hardly shocking that some of the exact same news people who so gleefully trashed Gary Webb in 1996 are the folks who went after NSA leaker Ed Snowden and his media contacts like Glenn Greenwald and Laura Poitras in 2013-14. They are insiders who not only want to be the gatekeepers, but who want that gate to be closed most of the time. The people banging hard on the outside of the gate - whether it's Gary Webb or Glenn Greenwald or even Jon Stewart or John Oliver - are a threat to their influence. But it's a deserved threat, one they've brought on themselves.

There was one other irony that struck me after seeing "Kill the Messenger," and that involved the opening scene of the film. It showed Webb reporting his last big story right before the CIA and drug trafficking - about law enforcement misusing asset forfeiture laws to take millions of dollars from folks who in a number of cases aren't even charged with a crime. When I got home from the movie, this exact story - about the abuses of asset forfeiture - was on the front page of the Washington Post, still festering, still a black mark on American society, 18 years after Webb reported it.

How many other stories like this are bubbling under the brownfields of modern American journalism - not because they're too hot but because they're too true? Reported by Huffington Post 7 hours ago.

Attorney General Asked To Investigate Health Insurance Executives Embroiled In No Bid Contract Scandal At Covered California, Industry's So-Called "Independent Commission," Says Consumer Watchdog Campaign

$
0
0
SANTA MONICA, Calif., Oct. 13, 2014 /PRNewswire-USNewswire/ -- In response to the Associated Press's disclosure of unusual no-bid contracts between California's insurance exchange Covered California and well-connected insurance executives, Consumer Watchdog called upon the Attorney... Reported by PR Newswire 6 hours ago.

Experient Health Explores Changes In Health Care Reform - and Affording Insurance - In Latest Online Blog Post

$
0
0
Experient Health, a Virginia Farm Bureau company, takes on health insurance topics in its Blog series more heavily as open enrollment for 2014 approaches.

Richmond, Va. (PRWEB) October 13, 2014

With all of the chatter surrounding health care these days - especially as open enrollment for 2014 approaches under the Affordable Care Act (ACA) - understanding as much as possible about the new system is beneficial to making the most sound and logical decisions surrounding health care plans.

That's especially true for the un- and under-insured, Experient Health, the health insurance arm of the Virginia Farm Bureau, wrote in its latest blog post.

How to afford coverage is among the company's most asked question.

“Subsidized coverage— or coverage that’s obtained through financial assistance from programs to help people with low and middle incomes— is available to individuals and families with household income up to 400 percent of the federal poverty level and who are not offered affordable coverage through their employers,” wrote Experient Health.

Users can save money in three ways— each depending on the specific income and family size.

“You may be able to lower costs on your monthly premiums through tax credits when you enroll in a private health insurance plan,” wrote Experient Health.

Secondly, individuals and families may qualify for lower out-of-pocket costs for co-payments, coinsurance and deductibles.

Then, lastly, children may get free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

Of the subsidies available, “the most widely available subsidy is the Advance Premium Tax Credit, which helps cover the gap between the cost of their premium and what they can afford to pay,” wrote Experient Health.

The ACA requires households participating in the Marketplaces to put a certain percentage of their income towards the cost of health insurance.

“The exact percentage households need to pay,” according to Experient Health, “is graduated up to 400 percent of the feral poverty level (FPL), with people at that percentage level required to pay the most and people at 100 percent of the federal poverty level required to pay the least.”

The percentage of income that households are required to pay, however, may not be enough to cover the cost of the insurance policy. That’s where the Advanced Premium Tax Credit steps in, covering the amount between what households are required to pay and the cost of the insurance policy.

Premium tax credits are both refundable and advancable. A refundable tax credit is available to a person even if he or she has no tax liability. An advancable tax credit allows a person to receive assistance at the time that he or she purchase insurance rather than paying his or her premium out-of-pocket and waiting to be reimbursed when filing an annual income tax return.

Several online calculators are available to help with the estimates.

In addition to the Advance Premium Tax Credit, “households that earn up to 250 percent of the federal poverty level may be eligible for cost-sharing subsides. These subsidies are designed to help lower out-of-pocket costs,” wrote Experient Health.

Read the full blog post here: http://experientinsurance.com/2014/08/28/health-care-reform-marketplace-subsidies-medicaid-and-chip/. Reported by PRWeb 5 hours ago.

State offers auto-renewal of health insurance

$
0
0
Most Washington residents who bought individual health insurance through the state's marketplace will be able to automatically renew their coverage for 2105 without taking any additional steps. Reported by Seattle Times 1 hour ago.

TX Car Insurance for Commercial Vehicles Now Searchable Through New Insurer Database

$
0
0
TX car insurance is now available to review for commercial vehicles using the Quotes Pros finder at http://quotespros.com/auto-insurance.html.

Dallas, TX (PRWEB) October 13, 2014

Business owners who depend on commercial vehicles will now have a way to locate the best pricing for different insurance coverage this year. The Quotes Pros company has updated its portal to provide TX car insurance company rates for commercial cars and trucks at http://quotespros.com/auto-insurance.html.

Companies that now exist for review and research inside of the open database system are providing rates to Texas business owners. A zip code will be required for every person who uses the rates system to review the available insurers and price structures that are offered for commercial policies this year.

"The new ways to search for automotive coverage using our website could help a person in TX or in another state to save money when buying coverage," said a Quotes Pros rep.

The exploration that is now provided to American consumers when using the QuotesPros.com portal offers a direct connection with brokers and agencies. Plans for state minimum, SR22, full coverage, collector and broad form are among the additional formats that could be priced when using the state database.

"The vehicle owners who will gain access to our system for review have the option of quoting a price or buying policies direct from each agency available," said the rep.

The Quotes Pros company has integrated new research for the public through its portal on its homepage. Aside from the state of Texas companies offered for review, non-vehicle related coverage can be reviewed that includes life, health, renter and dental plans at http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company is a leading resource of information to help the public find and quote pricing for insurance packages in the USA. The company database that is accessed daily by consumers provides direct connections to national agencies. The QuotesPros.com company updates the linked portal regularly to provide an immediate supply of insurers that the public can use for research select policies. Reported by PRWeb 57 minutes ago.

Probe sought in California no-bid health contracts

$
0
0
Californias health insurance exchange faced calls Monday for a state investigation of its contracting practices, while a state senator urged the agency to account for deals that steered millions of dollars to a firm whose employees have long-standing ties to the agencys executive director. Reported by MyNorthwest.com 36 minutes ago.

Insured still struggle with bills

$
0
0
They have health insurance, but still no peace of mind. Overall, 1 in 4 privately insured adults say they doubt they could pay for a major unexpected illness or injury. Reported by Journal Gazette 17 hours ago.

HelpRx.info Now Provides Discounts for All Common Prescription Birth Control Medications

$
0
0
HelpRx.info, the leading provider of free prescription discounts, now provides discounts on all common prescription birth control medications.

New York, NY (PRWEB) October 14, 2014

HelpRx.info, operated by Script Relief, LLC, is a leading provider of free online drug coupons and now offers free discounts for all common prescription birth control medications. HelpRx sought to make a meaningful impact on birth control costs and compliance because the cost of birth control medications impact so many Americans. By offering prescription cost relief for all users of prescription birth control, whether they are covered by health insurance or not, HelpRx.info furthers its mission of providing prescription cost savings for all Americans.

Birth control usage is highly prevalent in the United States; 99 percent of all sexually-experienced women have used birth control at some point in their lives. Birth control medications have been shown to be highly effective at preventing pregnancy. In fact, when taken correctly, birth control medications and devices are up to 99.9% effective. Additionally, some birth control options, have the added benefits of lowering cancer risk, improving skin complexion and/or treating irregular periods.

Although birth control is highly effective at preventing pregnancy, the effectiveness of many birth control medications decreases significantly when not used as indicated. In the U.S. and abroad, the costs of birth control could be a major factor in incorrect and inconsistent compliance. A 2010 survey found that more than a third of female responders have struggled to afford prescription birth control at some point in their lives. Struggles with affording prescription birth control leads to inconsistent usage which decreases the effectiveness of the medications. To counteract this non-compliance factor, HelpRx.info has taken aim at reducing the financial burden of birth control medications by offering discounts on all of the common types of birth control medications.

Birth control pills, intrauterine devices, birth control patches, birth control rings and injections are just some of the available forms of birth control medications. A commonality between many of these types of birth control is that they work by affecting the hormones that regulate the steps necessary for pregnancy. HelpRx.info now offers free prescription discounts for each of these types of birth control options and others. Some of the more popular birth control medications that HelpRx.info offers up to 75% off of are: Mirena, Yaz, Ortho Tri-Cyclen Lo and Nuvaring.

All prescription discounts HelpRx.info offers are completely free to the consumer, do not require filing of paperwork, do not expire and are accepted at over 50,000 pharmacies in the U.S.. More information about HelpRx.info’s discounts on birth control medications can be found at the Birth Control Prescription Category Page. Discounts on 50,000 other medications can be found by searching the HelpRx.info site at http://www.helprx.info/search.

About HelpRx
Accessible at http://www.helprx.info and via the HelpRx Mobile Drug Discounts app, HelpRx is the leading provider of prescription discounts, coupons and prescription discount cards. Backed by a strong nationwide pharmacy benefits provider, HelpRx offers discounts on over 50,000 drugs at virtually every pharmacy across the United States. In addition to prescription discounts, HelpRx is a destination site for health information, news and resources. Browse the free and easy-to-use prescription discounts and learn more about medications, conditions, treatment options and more at the new HelpRx site.

About Script Relief LLC
Script Relief, LLC is the creator of the National Prescription Savings Network card and the free prescription discounts available through HelpRx. Through these platforms, Script Relief provides medication discounts that help consumers save an average of 50% and up to 75% off their prescriptions. In its years of operation, Script Relief has helped over 7 million Americans save over $600,000,000 on prescription medications. Learn more about the National Prescription Savings Network card and the 50,000 plus available prescription discounts at http://www.helprx.info. Reported by PRWeb 16 hours ago.

Covered California’s No-bid Health Contracts attract Calls for Probe

$
0
0
Covered-California.png

On Monday, Covered California, the health insurance exchange of California faced calls for an investigation from the authorities of its prevailing practices for handing contracts. A state senator alleged that the agency has steered millions of dollars to a firm without proper bidding practices.

read more Reported by TopNews 15 hours ago.
Viewing all 22794 articles
Browse latest View live




Latest Images