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As Fierce Disputes Come Together, GOP Pushes Back On Obama Claim

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This piece comes to us courtesy of Stateline. Stateline is a nonpartisan, nonprofit news service of the Pew Charitable Trusts that provides daily reporting and analysis on trends in state policy.

Two of the fiercest political disputes between Washington and the states could soon come together in legal fights that involve tying the new federal health care overhaul to voter registration.

Every state is preparing to open a health insurance exchange by Oct. 1. Whether these new agencies will offer voter registration as well as health care information is emerging as a potential fault line that could further divide states from one another and from Washington.

The Obama administration and voting rights advocates say there’s no question the agencies must offer voter registration under federal law. But Republicans in Congress and in some states are pushing back, and even some election law experts aren’t so sure the question has an easy answer.

So far, just three states have officially said they’ll link the exchanges and voter registration. But whether the rest will – or will be required to under federal law – is an open question that will likely lead to court battles and at least a temporary patchwork approach nationwide.

“I don’t expect it to go evenly and don’t expect it to go well, initially,” said R. Doug Lewis, head of the National Association of Election Officials. “There’s not universal agreement about what can be done here, as you can imagine.”

The issue hinges on the interpretation of the 1993 National Voter Registration Act, commonly known as the “Motor Voter Act,” and whether it applies to the new exchanges. The measure requires states to offer voter registration at government offices, most commonly departments of motor vehicles. With the exchanges, which are in some ways a new kind of government office, some are questioning whether the law applies to them.

At stake is a new opportunity for millions of Americans to register to vote. Just 65 percent of eligible Americans over 18 are registered to vote now.

While most people have gone to a motor vehicle agency to get a driver’s license, it is not required, and fewer young people have been applying for the driving privilege each year.

As many as 24 million Americans are expected to get insurance through the exchanges, meaning the agencies could be a potent new tool in voter registration.

*Opportunity or Political Ploy*
“If people can see past the word Obamacare I don’t see why they wouldn’t be capitalizing on the opportunity,” said law professor Justin Levitt of Loyola in Los Angeles. “As long as the Affordable Care Act is here and the exchanges are operative…there’s a very strong case that they can actually help the state conduct voter registration.”

So far, California, New York and Vermont have said they believe the Motor Voter Act applies to their exchanges, and they’ll offer voter registration through their health agencies. Others are considering it, but in many states, the issue has been under the radar amid the uproar over the broader health law rollout.

Where it has gotten attention, the issue has quickly become embroiled in the politics of both the health care law and voting rights issues.

Some say, for instance, that offering registration through exchanges would be a boon for Democrats in reaching minorities or poor and working-class voters. Others have said letting the exchanges register voters is a backdoor attempt to “resurrect” ACORN, the much-maligned and now-defunct community group that represented low- and moderate-income families. Conservative political commentator Rush Limbaugh has said tying voting and the health law shows “the purpose of Obamacare.”

“It's about building a permanent, undefeatable, always-funded Democrat majority,” he said.

Opponents of the Motor Voter Act expressed similar concerns when that measure was passed, although those fears were not borne out by registration trends in years since. One study said the largest groups of nonvoters were the “residentially mobile and young people,” and neither had identifiable partisan inclinations.

Aside from the politics, combining the complexity of the health care overhaul with elections policy has also worried some. An application for the federal exchanges drafted by the Obama administration that mentioned voter registration drew criticism from Republicans in Congress.

Republican Rep. Charles Boustany, chairman of the House Subcommittee on Oversight, warned that linking registration to the exchanges could leave people with the impression that the benefits are tied to voting in some way. Moreover, he said, the federal health law is about health care, and lawmakers never intended it to involve elections.

“The health care law spans 974 pages and regulates nearly one-fifth of our economy,” he wrote in a letter to the Department of Health and Human Services, “yet nowhere in the law is voter registration mentioned.”

In the states, the reaction has been more muted, partly because of the nature of Motor Voter Act enforcement over the years. Often, states don’t openly oppose voter registration at public agencies, but rather they fail to comply with the law’s requirements. Because of that, legal challenges are often initiated by voting rights advocates when a state fails to live up to the law’s requirements. States are then called upon to defend their practices.

As the exchanges roll out, some question whether their design even fits the Motor Voter Act’s definition of a public office, such as motor vehicle offices and other social services agencies. The main function will be to operate as a marketplace for private insurance comparisons and as a way to funnel subsidies to Americans who qualify for them.

But the exchanges will vary state by state, which complicates the issue. Some will also handle Medicaid applications, for example, while others won’t. In some states, the exchange will be a nonprofit; in others it will be part of the state’s health or human services agency. And in many Republican-controlled states, the federal government will operate the exchanges.

That leaves the eventual outcome of the legal disputes far from certain, and it could perhaps even differ across states. Whether an exchange has a physical office or is just an online marketplace could also be a factor. Or if the subsidies for insurance are seen by courts as a cash benefit, tax credit or something else entirely could affect the outcome as well.

“It’s going to depend on how much it looks like traditional public assistance,” said Daniel Tokaji, a law professor at Ohio State University. “It’s quite likely that it will play out in court, and quite frankly it should.”

The complexities are illustrated in Colorado, a Democratic-controlled state with a Republican secretary of state where activists have pushed the state to tie registration to the exchange.

While the state is still studying the legal details, Judd Choate, director of the state’s elections, has issued an opinion saying that because the exchange will not register people for Medicaid and only “act as an information marketplace, and will not provide public benefits,” it’s not covered under the federal law and therefore won’t offer voter registration. The exchange will offer a link to voter registration information hosted elsewhere in state government.

The issue could be even more complex in states where the federal government is running the exchange, which is expected to be the case in 27 states, with the state and Washington sharing those duties in seven more. The White House has defended including voting on the draft application, and given the administration’s position on the law, it’s likely those exchanges would offer registration.

*Election Headache?*
Whether Washington could – logistically or legally – force states to link federally run exchanges to state voter registration systems is worrisome enough to give elections administrators headaches already.

The difficulties and complexities make it likely courts will weigh in, as they have over the years when states failed to comply with the Motor Voter Act.

For Lisa Danetz at Demos, a left-leaning voting and equality advocacy organization, the specter of a drawn-out legal fight isn’t a welcome one, especially as she sees the exchanges as an opportunity to improve voter outreach. But she said she has little doubt courts will see the exchanges as covered under the Motor Voter Act, much as other state offices have in the past.

“However it’s organized, the actions of the exchanges are closely intertwined and are essentially the actions of the state,” said Danetz, who wrote a report on voter registration and exchanges.

“In the long run, they’re going to be doing it,” she added. “It’s what the law requires.” Reported by Huffington Post 2 days ago.

Hitch in Health Care Law May Let Congress Members Get Abortion Funds Denied to Other Americans

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Hitch in Health Care Law May Let Congress Members Get Abortion Funds Denied to Other Americans Legal
Politics

Members of Congress and their staffers may get federal funds to pay for abortions, a type of subsidy denied to other Americans who opt into coverage under the new federal health care law that takes effect Jan. 1.

Though the Affordable Care Act, popularly known as “Obamacare,” allows participating insurance companies to offer abortion coverage, the law requires that customers pay a separate premium for that coverage and no federal funds may pay for abortions. The law  requires U.S. citizens to buy health insurance and offers government subsidies for those who can’t afford to pay.

Members of Congress and their staffs are currently on their own health insurance program in which premiums are paid by the government. As of Jan. 1, they are required to switch into the private market.

But to avoid creating a sudden hardship, particularly on congressional staffers who may be young and not especially well-paid, the government agreed to continue paying a share of premiums on the new, private plans.

While some states may ban abortion coverage altogether from the new plans, many will allow it, albeit without federal funding. The agreement for the government to pay congressional premiums on the private market appears to circumvent the ban on federal subsidies or abortion, at least in some states.

“It’s a radical deviation and departure from current federal law,” said New Jersey Republican Rep. Chris Smith, who authored the “Smith Amendment,” banning federal abortion funding.

Despite the outcry from anti-abortion forces, whether federal funds actually will be used to cover abortions remains unclear.

"It would take lawyers hours to decipher the interrelationship between these statutes,” said Walter Francis, an expert of federal health care laws. “And they would probably come to different conclusions.”

Judy Waxman, a leading abortion-rights attorney, shrugged off the issue as irrelevant, saying that no matter what, federal subsidies remain segregated from abortion coverage premiums.

"No federal money will go to abortion," she assured the Associated Press.

SOURCES: Washington Post, Daily Jourmal Reported by Opposing Views 2 days ago.

Zane Benefits Publishes New Information on Illinois Health Insurance Exchange Carriers

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Illinois Health Insurance Exchange recently announced that six carriers may sell plans in Illinois.

Park City, Utah (PRWEB) August 16, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on Illinois health insurance exchange carriers.

According to Zane Benefits’ website, six carriers plan to offer individual and/or small group health insurance coverage through the Illinois Health Insurance Exchange, where individuals and small businesses can shop for health insurance plans and receive access to tax premium subsidies and small business tax credits.

Up to 486,000 Illinois residents are expected to purchase health coverage through the exchange in 2014, according to state officials. The state projects as many as 1.3 million in the state will buy an exchange-based product by 2017. The Illinois Health Insurance Exchange will open October 1, 2013, for coverage starting January 1, 2014.

According to the Illinois Department of Insurance (DOI), 165 qualified healthcare plans are to be offered on the individual and small business exchanges, by six proposed carriers. The proposed carriers include:

Blue Cross & Blue Shield of Illinois
Humana
Aetna
Carle Foundation
Coventry Health Care
Land of Lincoln Health Inc Co-op

United Health, who held 6.3% of the market share in Illinois in 2012, is not included in this list. United Health appears to be taking a back seat approach in many state exchanges, only offering exchange plans in a handful of states.

The exchange plans will be reviewed by the Illinois DOI to determine if the plans meet required Essential Health Benefits, are underwritten under acceptable actuarial standards, and meet network sufficiency standards. Once the review is completed, the DOI will make recommendations to the federal Health and Human Services (HHS). HHS is scheduled to make the final determinations by August 31, 2013.

At time of writing, proposed rates had not yet been released. According to the Illinois DOI, rates for the Illinois Health Insurance Exchange are scheduled to be released in September.

Click here to read the 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. 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 2 days ago.

Sacramento Covered hiring workers for health insurance outreach

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Sacramento Covered is hiring a small number of outreach and education workers in five area counties to teach consumers how they can access health insurance under the Affordable Care Act via the new state health benefit exchange. The organization is looking for the equivalent of four full-time workers in data entry, community outreach and communications, but the jobs may be split to provide flexibility to hire the best candidates. The organization will be doing outreach work in Sacramento, El Dorado,… Reported by bizjournals 2 days ago.

Obama: Health Insurance is a Right

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U.S. President Barack Obama says the U.S. is "well on the way" to implementing the Affordable Care Act - also known as "Obamacare" - providing low-cost heath insurance for millions of Americans. The president said U.S. citizens who are not insured will be able to comparison shop for insurance plans, beginning October 1. He said insurance companies cannot refuse to cover Americans or charge them more because of a pre-existing condition. Mr. Obama said health insurance ... Reported by VOA News 23 hours ago.

Zane Benefits Publishes New Information on Agents and Health Insurance Trends

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What trends do agents see in the health insurance market? One survey looks at trends agents see in the small business and individual markets.

Park City, Utah (PRWEB) August 17, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on agents and health insurance trends.

According to Zane Benefits’ website, studies show that 68% of small businesses and 36% of people purchasing individual health insurance reported using a health insurance agent or broker to purchase their policy. Health insurance agents interact daily with insurance companies, individuals, and employers. Therefore, agents and brokers have a unique pulse on individual and small business health insurance.

In 2012, Kaiser Family Foundation surveyed health insurance agents about trends they observed in the individual and small business health insurance market. The findings provide insight to the changing health insurance market.

Key findings from KFF's survey of health insurance agents were:

Deductibles and health insurance premiums continue to rise steadily and sharply, with agents reporting that the typical deductibles today are higher than they were two years ago and expecting continued large premium increases.

Agents report that clients are focusing on lower premium costs and higher cost‐sharing, often at the expense of employee financial protection.

Agents spend much of their time explaining coverage and helping clients navigate different options.

Many agents reported dislike toward the Affordable Care Act and said they think it will make their business and themselves personally worse off.

At the same time, agents report often getting questions directly from clients about the ACA law.

According to KFF, the findings reflect the struggle that agents, insurers, and their clients face to balance clients’ financial protection and the rising cost of health care.

Study Methodology

The survey of 500 health insurance agents was conducted between February 15 and March 8, 2012 using computer‐assisted telephone interviews carried out by Social Science Research Solutions (SSRS). The sample was drawn from the Dun&Bradstreet database.

What is KFF?

The Kaiser Family Foundation (KFF), a leader in health policy analysis, health journalism, and communication, is dedicated to filling the need for trusted, independent information on the major health issues.

Click here to read the 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 18 hours ago.

Obama to GOP: Health insurance is now a 'right.' Is he right?

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Two months away from opening day of Obamacare, President Obama made a forceful defense of what he called the ‘right’ to health insurance. Republicans say they can’t find that right in the Constitution, and some are calling for Americans to 'burn their Obamacare cards' in protest. Reported by Christian Science Monitor 16 hours ago.

How health law's enacted changes at state border

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At the Lake Superior Community Health Center in Duluth, there's a new plan for connecting residents with health insurance coverage this fall. Reported by TwinCities.com 6 hours ago.

Rapid Recovery Solution, a Leading Voice Among Commercial Debt Collection Agencies,Endorses List of Financial Advice for 50-Somethings

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Rapid Recovery Solution Inc.,a leader among commercial debt collection agencies, has valuable advice for indebted adults.

Bohemia, NY (PRWEB) August 18, 2013

On August 18, Rapid Recovery Solution is affirming and expounding on a recently published list of financial advice for indebted 50-somethings.

According to an August 15 article from DailyFinance.com titled “4 Tips to Help 50-Plus Crowd Manage Their Debt,” the economic outlook for middle-aged Americans is increasingly tenuous. While adults of this age group should be aggressively paying off debts in anticipation of their retirement, data shows that the inverse approach is becoming the norm. Individuals aged 55 to 64 are seeing their debt rise by 60 percent, with 65 and overs experiencing even high increases. Today, this demographic lays claim to the highest incline in median debt levels, according to the Census Bureau.

The article goes on to propose four financial suggestions to prepare for this precarious age. To begin, 50-somethings should invest in sound health insurance plans to prepare for exorbitant medical bills that Medicare will not cover in full. Second, adults should be aware of all their debt-handling options, such as reverse mortgages, and make responsible decisions that satisfy their financial situations. Third, removing children as dependents from one’s finances can be effective in avoiding more added debt. Lastly, 50-somethings should be privy to potential debt-reduction scams, often promoted as credit-counseling or debt-management services.

Speaking on behalf of commercial debt collection agencies, John Monderine of Rapid Recovery Solution voices his support of these prudent suggestions. “Our 50s is a crucial time for financial planning as retirement nears, and a reduction in debt is certainly important.” Monderine offers further advice. “While these four tips are accurate and necessary, I would encourage any indebted 50-something to utilize the services of an accounts receivable collection firm and follow its financial guidance.”

Founded in 2006, Rapid Recovery Solution, Inc. is headquartered at the highest point of beautiful Long Island. Rapid Recovery Collection Agency is committed to recovering your funds. We believe that every debtor has the ability to pay if motivated correctly. We DO NOT alienate the debtors; we attempt to align with them and offer a number of ways to resolve not only your debt but also all their debts.

### Reported by PRWeb 3 hours ago.

President Obama Calls Health Insurance a 'Right'

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During his weekly address on August 17, President Barack Obama declared that health insurance isn't just a privilege--it's a right.

The address, titled "Working to Implement the Affordable Care Act," featured all the President’s well-worn talking points about Obamacare--with one new addition.

Obama touted the fact that people under 26 years old can stay on their parents' insurance; he talked of the "free mammograms"; and he celebrated the access to "contraceptive care." And then, in full demagogic mode, Obama went on to excoriate Republicans for trying to hurt "sick people" and the economy by opposing his Obamacare law.

Warming to his theme, Obama then said, "A lot of Republicans seem to believe that if they can gum up the works and make this law fail, they’ll somehow be sticking it to me. But they’d just be sticking it to you."

While this is all typical Obama boilerplate, light on facts and heavy on sunny promises and hectoring rhetoric, one point he made was rather fantastic: He declared health insurance to be a right:



So I’m going to keep doing everything in my power to make sure this law works as it’s supposed to. Because in the United States of America, health insurance isn’t a privilege--it is your right. And we’re going to keep it that way.



This edges into the territory of Franklin Roosevelt's 1944 attempt to float a "second bill of rights."

In his campaign to implement a second bill of rights, Roosevelt tried to create all sorts of new rights out of whole cloth. Among other things, the 32nd President tried to make "adequate food" a right, owning a home a right, having a job a right, and he also tried to make a right of "adequate medical care."

Few in 1944 embraced FDR's second bill of rights because it clearly would have upended the American way of life as created by our Founders and codified in the U.S. Constitution.

Instead of relying on the American tradition of leaving each person free to affect his own life, FDR’s new bill of rights would have required people to do things for other people--often a violation of their own freedom. 

Requiring health care professionals to care for people, for instance, necessarily violates these professionals’ freedom to conduct their professional lives as they see fit. It may put some out of business--but health care as a "right" implies that some might be compelled to work anyway, at a government-dictated salary.

The American left has been looking to put government controlled healthcare into place since well before Roosevelt's days. But this “right” of health care is, of course, no more in keeping with American principles now than it was in 1944.

 
 
 
  Reported by Breitbart 2 days ago.

Zane Benefits Publishes New Information on Brokers and Defined Contribution

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Here's three simple ways brokers use defined contribution to grow their book.

Park City, Utah (PRWEB) August 18, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on brokers and defined contribution.

According to Zane Benefits’ website, defined contribution health plans are the next benefits trend for small businesses and health insurance brokers, alike. New studies predict that small businesses in the U.S. are gearing up to abandon traditional health coverage in favor of a defined contribution strategy.

Why?
A "pure" defined contribution approach provides a simple small business health insurance solution for employers who either (1) cannot afford to enter the small group market, or (2) cannot afford their current health insurance premiums, but still want to offer health benefits to their employees.

For brokers, a defined contribution strategy offers a solution to increase individual health insurance policy sales and retain clients who are canceling group health insurance.

Here are three simple ways brokers utilize defined contribution to help grow their insurance business:

A New Solution for Small Businesses Without Group Health Insurance – The majority of small businesses want to offer health insurance to recruit and retain the top employees, however, over 2.3 million small businesses don't offer health insurance in the US. Many who don't offer health insurance are shopping, but before defined contribution, there was little a broker could do to help companies that couldn’t afford group health insurance. Defined contribution plans allow an employer to have complete control over costs on a monthly basis while still reaping 100% of the tax advantages associated with traditional employer-sponsored health insurance. There are no minimum or maximum contribution requirements. Brokers have another tool to help small businesses provide health insurance by offering a defined contribution solution.

Increased Individual Health Insurance Sales – With a defined contribution health care plan, brokers help employees pick the best health insurance plan for their family. Defined Contribution is like the “401k for health benefits” and the broker becomes an advisor for this. As a result, brokers everywhere are dusting off their once-ignored individual product lines to meet the demands that defined contribution healthcare plans are generating. Defined contribution plans become a lead generation tool for individual health insurance sales.

Increased Voluntary Healthcare Sales – Many brokers use defined contribution health care plans as a tool to generate more voluntary healthcare sales. Defined contribution can be used to reimburse voluntary products like qualified dental, vision, and accident health insurance plans.

To summarize, offering defined contribution solutions can be a good fit for brokers who want to be on the forefront of benefits solutions and recognize that innovation and choice bring value to their clients.

Click here to read the 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. 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 2 days ago.

Obama: Health Insurance is a 'Right,' Not a Privilege

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President Barack Obama said "health insurance isn't a privilege -- it is your right," and slammed Republicans, saying they are more concerned about how the debate will hurt them politically than they are with how denying Obamacare will hurt the country. "There's also a... Reported by Newsmax 2 days ago.

Rep. Justin Amash Claims Pre-existing Conditions Were Covered Before Obamacare

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Rep. Justin Amash Claims Pre-existing Conditions Were Covered Before Obamacare Health
Politics

Rep. Justin Amash, R-Michigan, told CNN’s Candy Crowley on Sunday that pre-existing conditions were covered by health insurers before the Patient Protection and Affordable Care Act was passed.

Obamacare banned health insurance companies from denying a person coverage due to a pre-existing condition. A pre-existing condition exclusion would not pay for medical treatment for a condition like cancer, diabetes, heart disease or asthma in the event that the person was diagnosed with that condition before they bought the policy. Obamacare ended this industry practice for children and will also apply it to adults by 2014.

On State of the Union, Amash didn’t recognize that before Obamacare 129 million Americans with pre-existing conditions were unable to obtain health insurance.

“What’s the alternative to those who now find that their preexisting conditions don’t matter, they can still get insurance?” Crowley asked. “What do you say to the 25-year-old that still needs to stay on his parents? What happens to them if Obamacare goes away?”

“Preexisting conditions can be covered. In fact they are covered by some insurance policies,” Amash responded.

“Some,” said Crowley.

Amash suggested that, although the government is not providing a federal health insurance program, Obamacare is still diminishing the ability for insurance companies to compete.

“But you have to have a competitive — you have to have a competitive marketplace that allows those products to be offered. The way we have insurance now, you’re required to provide a particular insurance product. It creates a monopoly in the system and prices go up. If you want to increase access to health care, you have to have competition,” he said.

Amash said "the number one concern of Americans remains Obamacare."

He and 60 other Republicans voted to repeal Obamacare on 40 separate occasions, although the GOP hasn’t put forth an alternative measure to get health insurance for those with pre-existing condition, according to ThinkProgress. Otherwise, up to 50 percent of Americans would not qualify for health insurance coverage.

 

Sources: ThinkProgress, Politico

1 Reported by Opposing Views 2 days ago.

Nigerian Healthcare Insurance Scheme to Be Rolled out by 2015, but What is Blocking Progress?; Business Monitor International Release Latest Findings on Nigeria’s Pharmaceuticals and Healthcare Market

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Business Monitor has just released its Nigeria Pharmaceuticals & Healthcare Report, incorporating specialist insight from Espicom Business Intelligence.

(PRWEB UK) 19 August 2013

Business Monitor has just released its Nigeria Pharmaceuticals & Healthcare Report, incorporating specialist insight from Espicom Business Intelligence, in which it assesses the impact that the health insurance scheme is having on Nigeria’s notoriously weak primary healthcare services and also looks at the issue of poor access to healthcare obstructing government improvement plans.

Nigeria’s Community Based Social Health Insurance Scheme (CBSHIS), which is based on an annual US$1 individual contribution to receive healthcare coverage, is easily affordable by most Nigerians. However, Business Monitor believe that despite the government resolving financial restrictions to healthcare services, actual uptake of the healthcare services and medicines will still be hindered by poor access. It points out that developing hospital infrastructure and improving poor primary healthcare services in remote and rural areas is a relatively long process, especially in a chronically under-funded healthcare sector like Nigeria’s, which is reliant on foreign aid.

The CBSHIS is scheduled to be implemented throughout Nigeria by 2015 and is designed to operate on a community level, offering coverage to every citizen in the country, said Abdulrahman Sambo, the acting National Health Insurance Scheme Secretary. He explains that the scheme is contributory in terms of which individuals are likely to offer financial contribution on a regular basis, and subsidies will be provided to individuals who cannot afford the contribution along with the aid needed to ensure that they can benefit from the coverage.

The aim of the scheme was to oblige all public and private employees to contribute 15% of their salary (5% is provided by employees and the remainder by employers) toward the Health Maintenance Organisation (HMO), which is then to arrange the necessary healthcare. By February 2012, authorities claimed that about 3mn Nigerians were registered with the scheme, but given that the country's population is over 160mn, Business Monitor is unconvinced that the presidential directive of universal health coverage by 2015 will be met.

Business Monitor has identified significant obstacles to the government achieving its targets, as highlighted by physicians at the annual scientific session of the Association of Nigerian Physicians in the Americas in August 2012. The representatives listed governance, leadership, management, medicines and corruption problems as evident in the new health system. Business Monitor assess each blocker to the successful and timely roll out of the scheme and also appraise other key activity in the country’s Pharmaceuticals and Healthcare sector.

Business Monitor calculates pharmaceutical expenditure in Nigeria totalled NG171.23bn (US$1.08bn) in 2012. It forecasts total medicines consumption, including prescription drugs and over-the-counter medicines, to increase by 17.6% in local currency terms in 2013, yielding a market size of NGN201.29bn (US$1.26bn). In 2017, Business Monitor calculate Nigeria's pharmaceutical market will be worth NGN366.61bn (US$2.13bn), posting a five-year compound annual growth rate (CAGR) of 16.4% in local currency terms and 14.5% in US dollar terms. Over the extended 2012-2022 period, Business Monitor calculate growth will slow to CAGRs of 15.6% and 13.8% in local currency and US dollar terms respectively. It attributes Nigeria's strong pharmaceutical market growth to high GDP growth over the next decade, estimated at approximately 7% per annum in real terms. Reported by PRWeb 21 hours ago.

John E. Redfearn, III Earns the Distinction of Being a Recognized Certified Insurance Counselor (CIC)

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John E. Redfearn, III has earned the designation of CIC after successfully completing a rigorous insurance education program!

Atlanta, GA (PRWEB) August 19, 2013

John E. Redfearn III, has earned the designation of Certified Insurance Counselor following the successful completion of the program sponsored by the Society of Certified Insurance Counselors. Only 3% of agents and insurance professionals throughout the country have received the CIC designation.

The Society of CIC is a key member of The National Alliance for Insurance Education & Research, the nation's preeminent provider of insurance and risk management education. Redfearn says; “A CIC designation is the most highly respected designation in insurance and obtaining this this certification demonstrates my ongoing goal for professional development in the field of property and casualty insurance."

Facts About John E. Redfearn, III:

Mr. Redfearn is founding Principal and Managing Partner of MD Planning Group, LLC and Fiduciary Solutions, LLC in Atlanta. As managing partner of both companies, he has created and executed the comprehensive marketing plans for both companies. He effectively built from scratch various associational programs for the Medical Association of Georgia: proprietary retirement plan platforms, disability income programs, a long term care program, residential mortgage program, as well as their associational health insurance program.

John E. Redfearn III Designations and Certifications:

Mr. Redfearn has been a student of his profession earning many distinctions and certifications in his career. He is a licensed insurance agent in all 50 states, and operates his own insurance agency in 14 states. Mr. Redfearn holds a professional designation as a Certified Financial Planner (CFP) from the Certified Financial Planning Board of Standards; Chartered Life Underwriter (CLU) from The American College; Certified Senior Advisor (CSA) from the Society of Certified Senior Advisors; and Chartered Financial Consultant (ChFC) from The American College. Additionally, he has successfully completed the national certification exam to earn the Certified Aviation Insurance Professional (CAIP). Now he adds CIC designation to this prestigious list.

If you would like to learn more about the Certified Insurance Counselor certification and program just follow the link: http://www.scic.com/ .

To learn more about John E. Redfearn III and Fiduciary Solutions, LLC; visit his website at http://www.fsinsagency.com. Reported by PRWeb 20 hours ago.

Say Hi To Oscar: The New Kid that May Change Health Insurance

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In five weeks from now, the Patient Protection and Affordable Care Act (ACA) mandates the opening of health insurance exchanges around the country. At that time New Yorkers will be introduced to an innovative way of thinking about health care: Oscar. Three friends, and technology entrepreneurs, teamed up to do something that has been inconceivable to date—create a start-up health insurance company to take on conventional health insurers on the NY exchange. Oscar co-founders, Josh Kushner, Kevin Nazemi and Mario Schlosser, plan to change the health insurance industry through technological interfaces, telemedicine and real transparency. Their goal is to redesign insurance to be geared toward the user experience, to make patients seek out their insurer before their doctor. Enter, Oscar. Reported by Forbes.com 19 hours ago.

GoHealth gets OK to sell subsidized health insurance

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Firm to join eHealth and ConnectedHealth in selling subsidized health insurance plans under Affordable Care Act Reported by ChicagoTribune 16 hours ago.

Home Health Care in New York

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Providing quality home health care in New York NY and New Jersey NJ beyond the Doctors office and treating seniors.In case someone in your family needs long term care or is recovering from a chronic illness, you may need home health care services.
These services range from

Skilled medical care provided by nurses or therapists

Personal care like getting help with bathing, getting dressed

Household support like cooking meals, running errands, cleaning and laundry services

If you are planning to hire a home health care service,you need to be sure that you are getting quality care.

There are some questions that you can ask to make sure that you are making the right choices here.

Three Important questions

1. Are you licensed, certified and experienced?
Most states will require any health care agency or service provider to be licensed and certified. Ask about the experience of the agency and try to get some references before hiring. You can always ask family and friends and doctors for recommendations.

2. What level of quality care you provide?
Probe on how the agency hires and selects the caregivers. And more important, are these caregivers licensed and have their background checked? The employees should make you feel comfortable and should also be friendly and helpful.

3. What are your costs?
Get detailed explanations of all the complete costs associated with home care and does the agency have a payment plan available. It is also essential to ask if any of their services are covered under insurance. Just makes sure that you are comfortable with the payments and the fees.

You can get almost any type of health care for your home. But it is more important to find the right agency and get quality care at affordable costs. There are certain health insurance plans or government programs that will cover certain home care services.

Company Contact Information
sunshinecares
sunshine
2400 Morris Avenue,
Suite 203,
07083
(908) 964-4870

News and Press Release Distribution From I-Newswire.com Reported by i-Newswire.com 16 hours ago.

Leo W. Gerard: Obamacare Choice: Navigation or Conflagration

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So many challenging choices for young people today! And it's not just between Vine and Instagram. More importantly, it's between burn-baby-burn and health insurance security.

FreedomWorks, a Tea Party don't-think tank, is urging young adults to be rebels with a self-destructive cause. "Stick it to the man," FreedomWorks urges young people. It tells them to do so by filming themselves burning homemade "Obamacare" cards and "Vining" the video explaining why they are Obamacare refuseniks as flames lick their fingertips.

"Conservative" champion Stephen Colbert counsels these mutineers to be careful not to scorch their hands because, you know, they don't have health insurance. Alternatively, young people could buy subsidized health insurance on the new exchanges with the help of "navigators" that Obamacare funded last week and then torch as much homemade rubbish as they choose, secure in the knowledge that if they're injured in the process, they can afford to see a doctor.It's not much of a dilemma. On the one hand, uninsured young people can get affordable, subsidized coverage on the Obamacare exchanges, with guidance from a "navigator" if they need it. On the other hand, they can get all FreedomWorksy defiant, incinerate a symbol, pay a fine for flouting federal law and live with the fear of massive medical debt incurred after an accident or illness.

Oddly, FreedomWorks defines everyone under the age of 40 as "young people." In the days when young people burned actual, not fake, draft cards, they didn't trust anyone over 30, which would include FreedomWorks CEO Matt Kibbe, 50, and former FreedomWorks chairman, Dick Armey, 72, who described the group as "dishonest" as he took $8 million last year to quit.

Also, when urging young people to become Obamacare dissenters, FreedomWorks frequently neglects to mention that there's a fine attached to defying the individual mandate to get insurance. Failure to secure coverage in 2014 will cost card-burning rebels $95 when they pay their income tax. Not much. But within two years, the penalty rises to $695 or 2.5 percent of household income.

That's not a lot of money for employees of FreedomWorks, which is rich enough to pay Kibbe $322,000 a year and hand its former chairman $8 million to walk away. But it is a lot of money to a low-wage actual young person, one who is, for example, struggling to get by working full-time at a $15,000-a-year, minimum wage, no-benefits fast food job.

FreedomWorks, whose employees get "an excellent salary and benefits package," is urging low-wage young people to rise up and forego all the advantages of government-subsidized health insurance in order to defend their freedom to be uninsured. FreedomWorks literature hopes to incite participation by telling young people that if enough of them refuse health insurance, the Obamacare insurance exchanges will fail.

FreedomWorks exhorts: Participate in the murder of Obamacare! FreedomWorks fails to mention that means not one young person would get subsidies to help pay for insurance; their peers up to age 26 would no longer be covered under parents' plans, and insurers would be able to resume denying coverage to people with pre-existing conditions and canceling policies for people who contract expensive illnesses.

FreedomWorks tells young people they should reject government help getting insurance because the cost of insurance on the exchanges is kept low as a result of "income redistribution." FreedomWorks believes uninsured low-wage young people, who work for corporations that are spending tens of millions lobbying against increasing the minimum wage, will reject insurance paid for in part by a tax on the rich.

That's right, insurance on the exchanges is subsidized, and therefore affordable to low-wage young people. That's part of what the Obamacare navigators will explain over the next several months as they help the uninsured sign up for plans on the exchanges. The national exchange won't be available until October. But California's exchange prices are posted. There, a full-time worker earning the California minimum wage of $8 an hour would pay nothing for the cheapest plan.

Absolutely nothing. FreedomWorks is telling that worker to refuse free health insurance and pay a $95 fine because of, you know, "income redistribution."

The next best health insurance plan on the California Exchange would cost all of $5 a month for a worker who earns less than $17,235 a year. That's $35 a year less than the fine. A significantly better plan would cost that worker $63 a month -- $756 a year. That's a lot of money for a minimum wage worker. But the exchanges give workers the freedom to choose plans that fit their needs and budgets.

Right now, 48.6 million Americans lack health insurance. The vast majority aren't freely choosing that insecurity. It's not that they don't want the peace-of-mind of insurance. It's that they can't afford it. And their employers don't offer it. Obamacare gives most of them help. For those who earn less than four times the Federal Poverty Level, which is two-thirds of the U.S. population, Obamacare offers subsidies toward the purchase of insurance on the exchanges.

FreedomWorks hopes to dissuade 3 million young people from using those subsidies to help buy themselves peace of mind. If FreedomWorks succeeds and Obamacare fails, 48.6 million Americans would remain without health insurance. FreedomWorks, Tea Partiers and Republicans are fine with that. They've rejected the GOP's decades-old tenet that buying insurance is a personal responsibility, which the government can ensure is fulfilled through an individual mandate. Instead, FreedomWorks & Co. have adopted the philosophy of conservative economist Tyler Cowen who counseled: "We need to accept the principle that sometimes poor people will die just because they are poor."

The freedom to lack health insurance ranks right up there with the freedom to lack food. It's not a liberty anyone rational is burning to secure. America's uninsured young people aren't organizing Obamacare card conflagrations. They're planning to navigate their way to the protection of Obamacare plans. Reported by Huffington Post 16 hours ago.

America’s Health Insurance Announces Plans to Become a Registered and Certified Agent in the Federal Health Insurance Marketplace Exchange- Currently in Training

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As the Affordable Care Act approaches full implementation, America’s Health Insurance is taking the first steps to become a certified and registered agent in the Federal Health Insurance Marketplace Exchange. They will be able to assist customers in purchasing health insurance through the healthcare.gov website.

Fort Wayne, Indiana (PRWEB) August 19, 2013

According to HHS, all insurance agents and brokers must complete an online training course available through the Health Insurance Marketplace. This training must be completed by agents and brokers to be able to enroll clients through the federal exchange on the healthcare.gov website. The fulfillment of training will make an agent Health Insurance Marketplace certified. There are three separated courses that need to be completed for group and individual exchange participation.

Upon completion, clients who are shopping for health insurance in the states that have deferred to the federal government exchange will be able to purchase health insurance plans through America’s Health Insurance as their registered and certified agent.

America’s Health Insurance intends to have all of their agents trained and certified for the Federal Health Insurance Marketplace Exchange where they market business. They will be able to assist new and current clients in receiving the maximum amount subsidy possible and help enroll clients in a quality ACA health insurance plan.

America’s Health Insurance is currently in training for certification and will announce when certification has been obtained. Stay informed at http://www.ahifw.com.

America’s Health Insurance is a nation-wide health insurance agency located in Fort Wayne, Indiana. They are one of the top three health insurance producers in America. As the Affordable Care Act approaches, they are working innovatively to bring the best possible health care coverage for their clients. They have a strong relationship with the top insurance carriers in the country, which enables them to be on top of the health insurance market. This allows them to provide the absolute best products for their clients. Reported by PRWeb 16 hours ago.
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