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Rally Health Launches Benefits Enrollment Tool Rally Choice to Help Employees Understand, Select and Enroll in Health Benefits

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Rally Health Launches Benefits Enrollment Tool Rally Choice to Help Employees Understand, Select and Enroll in Health Benefits SAN FRANCISCO & WASHINGTON--(BUSINESS WIRE)--Rally Health, Inc. has launched Rally ChoiceSM, a new offering to provide consumers with the education and guidance to make health benefits decisions that best fit their personal health needs, and takes them through the enrollment process when signing up for health benefits offered through their employer or health insurance provider. Rally Choice makes it easy for consumers to navigate the insurance enrollment process by letting them shop for their b Reported by Business Wire 1 day ago.

DIFS Recommends Priority Health HMO Plan as Michigan’s Benchmark Health Insurance Plan for 2017

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DIFS Recommends Priority Health HMO Plan as Michigan’s Benchmark Health Insurance Plan for 2017 GRAND RAPIDS, Mich.--(BUSINESS WIRE)--The Michigan Department of Insurance and Financial Services (DIFS) just announced that it recommends the Priority Health HMO plan continue to serve as the state's Essential Health Benefits benchmark. Reported by Business Wire 1 day ago.

Feds Say 7.5M Paid An Average Penalty Of $200 For Not Having Health Insurance

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Feds Say 7.5M Paid An Average Penalty Of $200 For Not Having Health Insurance Reported by ajc.com 1 day ago.

IRS: 7.5 Million Americans Paid Penalty For Lack Of Health Coverage

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Americans paid an average penalty of $200 for not having health insurance in 2014, the first year most Americans were required to have coverage under the Affordable Care Act. Reported by NPR 21 hours ago.

Prevent Blindness Offers Parents and Educators Resources to Help Ensure Kids See Clearly as They Head Back to School

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Prevent Blindness Declares August as Children's Eye Health and Safety Awareness Month; Provides Information on Children’s Eye Health Topics, Affordable Care Act and More

CHICAGO (PRWEB) July 21, 2015

Kids and parents are gearing up to head back to school. Because healthy eyesight can help improve a child’s chance at success in the classroom, Prevent Blindness is asking parents to make an appointment for an eye exam to make sure their child is seeing clearly.

Prevent Blindness has declared August as Children’s Eye Health and Safety Awareness Month to inspire parents to make their child’s vision health a priority. The non-profit group has a variety of resources to help put children on the path to a lifetime of healthy vision:· PreventBlindness.org includes information on a variety of children’s eye health topics including amblyopia (lazy eye), strabismus (crossed eyes), UV-protection and sports safety.

· Because vision requirements for school enrollment vary by state, Prevent Blindness, through its National Center for Children’s Vision and Eye Health (NCCVEH), offers the online School Requirements for Children's Vision map that provides information about state legislation for vision screening and/or mandated eye exams

· The Affordable Care Act (Obamacare) mandates that all health insurance include a pediatric vision benefit. In most states, that includes one comprehensive eye exam and one pair of eyeglasses. For more information, Prevent Blindness offers the fact sheet in English or Spanish, “The Affordable Care Act and Your Child's Eyes.”

· Prevent Blindness partners with programs such as VSP’s “Sight for Students,” “OneSight” from Luxottica, and “Let’s Go See” from Visionworks and Davis Vision, that provide free eye exams and glasses to children who qualify.

· For educators, Prevent Blindness offers the Star Pupils Eye Health and Safety Curriculum for grades K-2, 3-5 and 6-8. The program, which is available for download at no cost upon request, provides teachers with interactive materials that help students learn the importance of sight, components of the eye and how we see, and how to identify objects and situations that can be dangerous to eyes. The program meets National Health, National Science and National Physical Education standards and includes lesson plans with presentation PowerPoints and teacher guides, in-class activities and take-home worksheets.

“This time of year, preparing to send our kids back to school can be hectic and sometimes stressful,” said Hugh R. Parry, president and CEO of Prevent Blindness. “We want to help make the process easier and arm parents with the vision information they need to get the school year kicked off right.”

For more information on children’s eye health and safety, the NCCVEH, eye care assistance programs, or the Star Pupils Eye Health and Safety Curriculum, please call Prevent Blindness at (800) 331-2020 or visit preventblindness.org.

About Prevent Blindness
Founded in 1908, Prevent Blindness is the nation's leading volunteer eye health and safety organization dedicated to fighting blindness and saving sight. Focused on promoting a continuum of vision care, Prevent Blindness touches the lives of millions of people each year through public and professional education, advocacy, certified vision screening and training, community and patient service programs and research. These services are made possible through the generous support of the American public. Together with a network of affiliates, Prevent Blindness is committed to eliminating preventable blindness in America. For more information, or to make a contribution to the sight-saving fund, call 1-800-331-2020. Or, visit us on the Web at preventblindness.org or facebook.com/preventblindness.

### Reported by PRWeb 1 day ago.

More U.S. Children Are Living In Poverty Than During The Great Recession

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ST. PAUL, Minn. (AP) -- A new report on child welfare that found more U.S. children living in poverty than before the Great Recession belies the fanfare of the nation's economic turnaround.

Twenty-two percent of American children were living in poverty in 2013 compared with 18 percent in 2008, according to the latest Kids Count Data Book, with poverty rates nearly double among African-Americans and American Indians and problems most severe in South and Southwest.

The report, released Tuesday from the child advocacy group the Annie E. Casey Foundation, showed some signs of slight improvement, including high school graduation rates at an all-time high and a falling percentage of uninsured children. But the bright spots weren't enough to offset a picture that many children have been left behind amid the nation's economic recovery.

Here are some things to know about the report:

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DIFFERING CAUSES

The foundation's studies cover 16 different measures, delving into economic well-being, health care, education and family and community issues.

The problems extend beyond - and in some cases drive - increasing poverty rates. More children were raised in single-parent homes in 2013 than in 2008, and fewer lived with parents with secure employment.

Foundation President Patrick McCarthy said that particularly troubling is an increase in the share of kids living in poor communities, regardless of their own families' economic standing. The report says 1 in 7 children live in those areas, marked by poor schools and a lack of a safe place to play.

"They're more likely to fall down the economic ladder, less likely to be employed and more likely to get in trouble," McCarthy said.

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A MIX OF FIXES

McCarthy likened child poverty to a "particularly pernicious form of cancer," and he prescribed a cocktail of economic policies and fixes to tackle it.

Tax credits and additional support such as food stamps could give low-income families a much-needed boost, and job training could provide help for struggling to get an economic foothold. Businesses should implement more family-friendly policies, and a massive infrastructure repair campaign could create countless jobs.

"None of them is a magic bullet. When you put them all together, you start to put the children on a path to success," he said.

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STRUGGLING IN THE SOUTH

States in the South and Southwest continued a steady run at the bottom of the Kids Count rankings for overall child well-being, with issues including economic standing and education.

According to the report, 1 in 3 children from Mississippi live in poverty. Twelve percent of teens from Mississippi and Louisiana were neither in school nor working. Fifteen percent of Nevada children didn't have health insurance, compared with the nation-best 2 percent in Massachusetts.

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MIDWEST ON TOP

Minnesota nabbed the report's top ranking, taking a spot generally reserved for a Northeast state and rounding out the Midwest's strong pattern of supporting children.

McCarthy said there's not much to make of one state usurping another for a top spot. Instead, he focused on the broader regional patterns: New England and Midwestern states generally occupy the top 10 while the South and Southwest struggle in the bottom rankings.

"That's where you see a difference in day-to-day lives," he said.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 23 hours ago.

Health insurance reminder for Nashville companies: You can't fight the tax man

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Among its many descriptors (some positive, some very negative) the Affordable Care Act has been described as a potential catalyst for a fundamental shift in the way some businesses cover their employees. Thanks to the IRS, however, that shift may be rockier than business owners want, and may carry a heftier than expected price tag. In the run-up to and early days of the law's rollout, much was made of the potential for small businesses (those with fewer than 50 employees and therefore not subject… Reported by bizjournals 23 hours ago.

Allsup Medicare Specialist Presents Educational Session For Retirees In St. Louis Region August 6

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Thursday afternoon presentation in August spotlights “Medicare and You”

Belleville, Illinois (PRWEB) July 21, 2015

Retirees in the St. Louis bi-state region can get their questions answered from a Medicare specialist during a free seminar for retirees on Thursday, Aug. 6, at Robbins Conference Center, 325 Saint Francois St., Florissant, Missouri.

Starting at 4 p.m., the one-hour program covers Medicare planning concerns, questions and choices for retirees and near-retirees, especially those nearing Medicare eligibility at age 65. “Medicare and You: Navigating the Ins & Outs of Medicare” will cover the complexities of Medicare plans, enrollment rules, costs and other concerns for seniors.

Aaron Tidball, manager of Medicare Operations for Allsup and the Allsup Medicare Advisor®, is presenting. He educates and counsels Medicare beneficiaries, their families, employers, financial advisors and caregivers on benefits and costs of the federal health insurance program. He also oversees the Allsup team of Medicare specialists providing Medicare plan selection services to seniors nationwide.

Allsup Inc. offers the Allsup Medicare Advisor, which provides a range of assistance with Medicare Advantage plans, Part D prescription drug plans, and Medigap, or supplemental coverage. The service, available in all 50 states, offers a comparative, objective analysis of plans and costs, and serves as a trusted resource for financial advisors and seniors.

Click here to register for the class, call Lisa Avenevoli, CFP®, at (314) 839-4600 or email Lisa(at)SteveRobbinsOnline(dot)com. She is director of business development at Steve Robbins Inc., which is hosting the program. Seating is limited to 40 attendees.

ABOUT ALLSUP
Allsup is a nationwide provider of Social Security disability, veterans disability appeal, exchange plan and Medicare services for individuals, employers and insurance carriers. Allsup professionals deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. Founded in 1984, the company is based in Belleville, Illinois, near St. Louis. For more information, go to Medicare.Allsup.com or call (866) 521-7655. Financial advisors seeking more information may go to FinancialAdvisor.Allsup.com or call (888) 220-9678. Reported by PRWeb 22 hours ago.

Health Exchange: More Americans than expected forgo health insurance — and pay Obamacare penalties

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Reported by MarketWatch 21 hours ago.

Equal Pay for Equal Play: How Corporate Sponsors Can Change Sport

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Years before the Supreme Court legalized marriage for gay couples, Fortune 500 companies offered employees with same-sex partners health insurance coverage. In tandem, many companies have developed corporate social responsibility programs that lead in critical efforts around poverty, children's welfare, and more.

Corporate leaders have found over the years that doing the right thing not only makes financial sense, but it gives them a unique opportunity to lead, across all sectors: business, government, and social.

Many people around the globe are decrying the outrageous pay disparity that the Women's World Cup winners faced versus their male counterparts this year. Recent Washington Post research shows that while tennis, running, and volleyball award prize money equally to male and female winners, soccer, cricket, and golf have large prize money disparities.

The male team that won the World Cup was awarded $35 million. The US Women's Team, this year's Women's World Cup champs? $2 million. (For comparison, the US Men's Team was knocked out of the World Cup in game 16, and they took home $16 million.) Men's cricket winners? Nearly $4 million, while the women took home just $75,000. Over at the US Open, the male golf winner received $1.8 million, with the female winner receiving only $810,000.

What can be done to level the playing field within FIFA, and other athletic tournaments?

As Founder and Executive Director of Athlete Ally, an organization built on the idea of individuals supporting each other through allyship, and doing the right thing, I see a clear answer: businesses can, and should, lead on tournament equity. Corporations often sponsor prize winnings, and therefore have powerful voices at the table within organizations like FIFA.

Corporate sponsors have already brought equality to sport -- in one arena at least. Last year's Women's PGA Tournament raised the amount of its purse to the same amount as the men's tournament's. It was brought about by corporate sponsors who wanted to do the right thing. And in increasing the women's prize money by 87 percent compared with years past, they did.

There's no reason that the World Cup sponsors cannot demonstrate the same integrity in their negotiations with FIFA. Companies have an opportunity to lead, and the time is now.

What does that mean? Don't sign on to sponsor junior high intramural sports if the boys' teams get new uniforms every year and the girls' teams haven't seen a new uniform since you were in junior high. Don't sponsor a local golf tournament if the women's prize money trails behind the men's by 50 percent. And when you're approached by FIFA or another tournament, state your case: We'd love to be involved, but we really can't until we know the men's and the women's teams will be treated equitably.

Without sponsors, these tournaments don't have prize winnings, plain and simple. Corporations can do the right thing. They can be allies, and change the way female athletes are treated around the globe. Think one company can't change the world? Tell that to the first company who offered benefits to same-sex partners of their employees. Tell that to the sponsors of the Women's PGA Championship. When one company does the right thing, it plants the seeds for a wave of social change. Now is the time for corporate sponsors to put their principle into practice to help change sports for the better.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 20 hours ago.

Surviving & Thriving: The Top 3 Challenges Facing San Francisco Bay Area Restaurants

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This year was the first time in United States history that Americans spent more money on dining out than groceries. Nowhere is that more evident than here in the San Francisco Bay Area, where new restaurants have been opening up almost weekly. The strong economy has allowed pop-ups to become brick and mortars, cooks to become restaurateurs, and others to expand their restaurant empires. However, despite the seemingly rosy outlook, restaurateurs are stressed about a few trends that are looming.

*Rising Costs*

San Francisco, Oakland and Emeryville have all raised their minimum wages to $12.25, with Emeryville's jumping to $14.44 for employers with more than 55 employees. These jumps were significant particularly in Oakland and Emeryville, where the leap was 36% (60% in Emeryville for the larger employers). And although the San Francisco increase was more modest, because it already had a higher minimum wage than the other jurisdictions, San Francisco's minimum wage will reach $15 an hour by 2018.

And unfortunately, increasing labor costs -- of which health care are part -- are not the only cost-related challenges that restaurateurs are facing. Rising rents, increasing food costs, the drought and greater competition are all impacting them.

These trends have led to restaurateurs and chefs looking at new innovative approaches for dealing with these challenges: creating "fine casual" concepts that don't require service staff; ticketing through platforms with built-in audiences; and all-inclusive pricing. Some restaurants, despite rising costs, are still choosing to grow and expand in the Bay Area. Smitten, Tender Greens, Gruppo Chiarello and Back of the House are all examples of restaurant groups that are facing the challenges head-on and are still investing in more locations and/or concepts here.

*Labor Shortage*

In the San Francisco Bay Area, as in some other major metropolitan areas, the cost of living is very expensive, making it difficult for people in the industry to afford to be here. Cooks are leaving the Bay Area often for less expensive locales or moving to technology companies with lucrative pay and benefits, making the competition fierce among the local talent pool. Restaurants are sharing or poaching staff, depending upon the situation. And managers are in short supply, as the increase in minimum wage has made it far more lucrative to be a server than in management.

The issue around compensation is a challenging one, and some see being able to control all the revenue coming into a restaurant as a way to increase income stability for the front of the house, while increasing the wages of the back of the house. It also helps in professionalizing the work environment and creates a different culture; employees think differently about their commitment to their jobs.

Because there's no tip credit in California, the disparity between the front and back of house wages is higher than anywhere else.

Restaurateurs like Allison Hopelain of Camino and Thad Vogler of Bar Agricole and Trou Normand have restructured their business models to eliminate tipping, increase their prices and raise all their employees to a higher wage than the existing minimum wage, and provide them health insurance and other benefits. And while there was some initial concern among the team about the change, it has been positive in attracting and retaining staff.

The issue of the labor shortage has also raised the question of how to increase nobility in the hospitality industry. Here in the United States, hospitality work is not revered like it is in Europe. When a young adult tells their parents they want to enter the culinary profession or open a restaurant, they often discourage them. Working in a restaurant, something one-half of all American adults have done at some time, is seen as something you do to earn money while going through school, pursuing a career in the arts, etc.

Industry leaders like Roland Passot of La Folie and Bjorn Kock of Town Hall, who began their careers in Europe, bring the European hospitality perspective to their restaurants. Also, native-grown industry veterans like Pete Sittnick of Pat Kuleto Restaurants have managed successful restaurants for more than 30 years that have provided the platform for rising star chefs to mature in their voices and operate restaurants that have achieved longevity in top-notch food and service.

Mentorship is another key in tackling the labor shortage, particularly since the challenges locally are in two major roles: management and cooks. How can chefs and owners/restaurant management cultivate the next generation of talent? Is mentorship something that needs to be formal or embedded in the culture of business? There are many in the industry who have experienced mentorship and have been great mentors, among them Gavin Kaysen of Spoon & Stable, Traci Des Jardins of Jardinière and Mijita Cocina Mexicana, Sabato Sagaria of Union Square Hospitality Group, and Patric Yumul of the Mina Group. They all think about how mentorship plays a role in retaining and promoting talent.

Continue reading 'Surviving & Thriving: The Top 3 Challenges Facing San Francisco Bay Area Restaurants' on Open for Business.

- written by Gwyneth Borden for Open for Business.

Gwyneth Borden is the executive director of the Golden Gate Restaurant Association (GGRA), a nonprofit trade association representing the culinary industry in the San Francisco Bay Area. GGRA celebrates and empowers the restaurant community through advocacy, education, marketing, events and training. GGRA offers regular trainings, including California's food safety certification, regulatory guidance, casework, access to resources and signature events to market the industry including San Francisco Restaurant Week, Eat Drink SF and Eat Drink SF 365.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 20 hours ago.

California Senate Votes To Open Up Obamacare To 2.5 Million Illegal Residents

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King V. Burwell Opponents Said Killing Subsidies Would Blow Up Obamacare­­––Now They Want To Open Up Unsubsidized Care To Illegal Californians State Senator Richard Lara has already moved a bill through the California State Senate that would allow illegal immigrants to buy unsubsidized health insurance in the state’s Obamacare exchange. The [...] Reported by Forbes.com 21 hours ago.

Corrections: More Americans than expected forgo health insurance — and pay Obamacare penalties

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Reported by MarketWatch 17 hours ago.

Costs from regulations pile up, hurt small business profits

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NEW YORK (AP) — It's getting more expensive to be an employer and small business owners say that's making it harder for them to make money. The health care law, minimum wage increases and paid sick leave laws in some states and cities are increasing costs. —They may be required to offer health insurance starting Jan. 1 if they go ahead with plans to offer dinner at the restaurant, which now serves breakfast and lunch. —Four of the Lamons' employees would have to be paid overtime under the proposed Labor Department regulation that would raise the threshold at which salaried workers are exempt from overtime. [...] dealing with continual challenges is part of running a small company, says Philip Kim, a professor of entrepreneurship at Babson College. Many people haven't been buying luxury items like the hot tubs that cost thousands of dollars that she sells at her business, Mirage Spa & Recreation. Reported by SeattlePI.com 6 hours ago.

Industry Stakeholders React with Criticism, Praise for Proposed CMS Bundled-Payment Program in AIS Newsletter

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For its July 20 issue, Atlantic Information Services’ Health Plan Week interviewed industry experts and stakeholders about whether CMS’s proposed knee/hip bundled payment program would complement or conflict with private insurers’ own knee/hip bundled payment programs.

Washington, DC (PRWEB) July 22, 2015

Earlier this month, the Centers for Medicare and Medicaid Services (CMS) proposed a new bundled-payment model that will put hospitals at financial risk for not making quality and care improvements for patients recovering from hip and knee replacement surgery. For its July 20 issue, Atlantic Information Services, Inc.’s (AIS) Health Plan Week (HPW) interviewed industry experts and stakeholders about this program, with some reacting critically and others viewing it as a way for insurers to “dip your toe” in the alternative payment world. They also say that while bundled payments are positive since they help move away from fee-for-service payments, some aspects of the proposed plan are potentially harmful and some insurers are not married to the idea of bundled payments in the first place.

One of those critics is Harold Miller, president and CEO of Pittsburgh-based Center for Healthcare Quality and Payment Reform, who tells HPW the problem with the CMS proposal is that right off the bat it makes one wonder whether the plan is a bundle. The proposal states that the hospital conducting the surgery would be held accountable for spending. That hospital would have to work with physicians, home health agencies and nursing facilities to coordinate care. “If you have a true bundle and you say, ‘OK, group of providers, get together, manage this bundle and kind of figure out how you want to deliver care differently, and then divide up the money however you want to,’ people commit to it however they want to and structure it in a fair way,” Miller says. “But if you say to one entity you are going to be financially responsible for what all the other entities do but you won’t actually have any control over them, what are you going to do?”

University of Pittsburgh Medical Center (UPMC) Health Plan executives are more positive about the CMS initiative. “Overall it is a very positive proposal and something we have been working on over the last few years with our provider network,” says Angela Moczan, senior director, strategic initiatives at UPMC Health Plan. “I definitely don’t think it will mess anything up. If anything it is a step forward, another step in a direction toward different payment models. We’ve been doing something very similar with our Medicare Advantage and commercial membership with our integrated delivery and financing system for the past several years.”

Tom Aubel, director of medical payment, strategy and policy at UPMC Health Plan, tells HPW it would only take “minor tweaks” for his company to match up with the CMS program since UPMC is an integrated health system and has hospitals and physicians. “We really look at the full continuum of care, which is a little different than what the nationals can do since we can see those claims and try and make doctors aware of what they are doing on the insurance side and hospital side,” he says.

Visit http://aishealth.com/archive/nhpw072015-02 to read the article in its entirety.

About Health Plan Week
Published since 1991, the 8-page weekly newsletter Health Plan Week provides timely, objective business, financial and regulatory news of the health insurance industry. Coverage includes new benefit designs and underwriting practices, new products and marketing strategies, mergers and alliances, financial performance and results, Medicare and Medicaid opportunities, disease management, and the flood of reform-driven regulatory initiatives including medical loss ratios, exchanges, ACOs and myriad benefit design changes that are mandated. Visit http://aishealth.com/marketplace/health-plan-week for more information.

About Atlantic Information Services
Atlantic Information Services, Inc. (AIS) is a publishing and information company that has been serving the health care industry for more than 25 years. It develops highly targeted news, data and strategic information for managers in hospitals, health plans, medical group practices, pharmaceutical companies and other health care organizations. AIS products include print and electronic newsletters, websites, looseleafs, books, strategic reports, databases, webinars and conferences. Learn more at http://AISHealth.com. Reported by PRWeb 5 hours ago.

SKIMM YOUR CANDIDATE Sen. Bernie Sanders (I-VT), Democrat

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Sen. Bernie Sanders (I-VT) is an Independent running for the Democratic nomination in 2016. And he's one of just a few people taking on Hillz. Get to know your candidate here.

*Note: ALL candidates have been offered the chance to Guest Skimm. Opinions are of the candidate, not theSkimm.*

HOMETOWN:

Burlington, VT

FUN FACT:

I have seven beautiful grandchildren.

TELL US ABOUT YOURSELF.

I was mayor of the city of Burlington, VT for eight years. And I think that people who visit Burlington today will find it to be one of the more exciting and liveable cities in America, and my administration played a role in making that happen. I was a congressman from 1990 to 2006, for sixteen years, and then I've been in the US Senate since, for nine years.

SO, WHY SHOULD AMERICA HIRE YOU?

Well, I think that this country faces enormous problems today. We have income and wealth inequality almost greater than any country on Earth, and I think that's unfair....I don't think that that's the nation that America wants to be. And I think that we need leadership to stand up to the billionaire class...and make sure that our government works for all of the people, and not just a handful of wealthy people.

WHO SHOULD WE CALL FOR A REFERENCE?

The people of the state of Vermont. Now, that's 630,000 people so you're going to have to make a lot of calls...

WHAT'S YOUR GREATEST STRENGTH?

I think that the agenda I'm bringing forward is an agenda that resonates with the American people.

WHAT'S YOUR GREATEST WEAKNESS?

I probably get focused on too many issues, and am not as sociable as I might be.

WHERE DO YOU STAND ON THE FOLLOWING...

*THE ECONOMY.*

I think I just gave it to you [see above]. The middle class in the United States is disappearing. We need to create millions of decent paying jobs, raise the minimum wage, and provide pay equity for women workers.

*THE AFFORDABLE CARE ACT (AKA OBAMACARE).*

The United States is the only major country on earth that does not guarantee healthcare to all people as a right. I believe in a Medicare for all, single-payer program, guaranteeing health care to all people. I voted for the Affordable Care Act, but that still leaves 35 million Americans without any health insurance.

*EDUCATION.*

[Congress has] introduced legislation [proposed by Sanders] regarding higher education financing [that] does two things. Number 1, it provides free tuition at public colleges and universities...it substantially lowers student debt by allowing those people who have the debt to refinance their loans at lower interest rates. And number 2, it gets the government, who holds many of these loans, out of the business of profiteering off middle class and working class families.

*CLIMATE CHANGE.*

I have helped to lead the US Congress in introducing legislation to combat climate change. I've introduced the most comprehensive legislation on climate change in Congress.

*THE IRAN NUCLEAR DEAL.*

Well, the devil is in the details, but I applaud the president and Secretary Kerry for the hard work of working with six countries, and Iran, in order to make sure that Iran does not get a nuclear weapon, and that we can reach that goal without having to go to war.

*GUN CONTROL.*

I represent a state which is a very rural state -- and my state has virtually no gun control at all -- but despite that, I voted to ban certain types of semi-automatic weapons. I voted for an instant background check. And I voted to close the loophole that currently exists for gun shows.

*RIGHT TO CHOOSE. YES OR NO?*

Yes, I have 100% lifetime voting record. I believe a woman has the right to control her own body, and not the government.

WHAT DO YOU THINK OF THE SUPREME COURT'S RULING ON GAY MARRIAGE?

I strongly supported the Supreme Court decision.

WHAT WOULD YOU ASK THE WHITE HOUSE CHEF TO MAKE FOR YOUR FIRST MEAL?

I really haven't thought too much about that.

HOW MANY TIMES DO YOU HIT SNOOZE IN THE AM?

I don't.

HOW DO YOU TAKE YOUR COFFEE?

Do you have many of these questions?

NO, THIS IS THE LAST ONE.

With some cream.
--------------------
theSKIMM

Bernie Sanders is a self-described socialist who wants to raise the minimum wage to $15 an hour, and supports breaking up big banks. He's also drawing some of the biggest and youngest crowds of any candidate in the race so far -- making the Democratic nomination contest much spicier than the party expected. TBD on whether the momentum will translate into votes.

ALL candidates have been invited to Guest Skimm.
To Skimm other candidates go here.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 44 minutes ago.

Will you be able to help your college-age child in a medical emergency?

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*Will you be able to help your college-age child in a medical emergency?*

Early one October morning, Sheri E. Warsh, a mother of three from Highland Park, Ill., stepped out of the shower to a ringing phone. On the other end, her 18-year-old son’s college roommate delivered terrifying news: Her son—270 miles away at the University of Michigan—was being rushed by ambulance to a nearby emergency room with severe, unrelenting chest pain. “I was scared out of my mind, imagining the worst,” Warsh said.

In a panic, she called the ER for details. What she got instead was a rebuff from the nurse. “She asked me how old my son was, and when I said 18, she told me I had no right to talk to the doctor,” Warsh said.

Was the nurse acting within her scope by shutting out the anxious mom? In fact, she was. The ER chose not to disclose the son’s medical condition due to the Privacy Rule of the Health Insurance Portability and Accountability Act, or HIPAA. 

“Once a child turns 18, the child is legally a stranger to you,” said Jane F. Wolk, a trusts and estates attorney practicing in New York and New Jersey, referring to the legal age in almost all states (in a few it's older). “You, as a parent, have no more right to obtain medical information on your legal-age son or daughter than you would to obtain information about a stranger on the street.”  And that is true even if the young-adult child is covered under the parents’ health insurance, and even if the parents are paying the bill. 

*Use our parents' guide to saving for college, or learn how to send your kid to college for free.  College seniors should plan ahead for getting health insurance. Check out Consumer Reports' hospital survivial guide, and know why you should not ask your doctor for antibiotics.*

A medical provider can chose to disclose protected health information to a family member, even without the patient's authorization, if, in her professional judgment, it serves the best interest of the patient. But providers often come down on the side of patient privacy, particularly if they have never met the family member.

In this case, Warsh’s son didn’t intend to keep his parents in the dark. In the midst of cardiac-care chaos, he was in too much pain to give authorization. But a simple, signed legal document (or two, in some states) would have smoothed the way.

“Nobody is talking about this, even after I went to so many college meetings and orientations,” Warsh said. The irony of her story is that Warsh is an attorney specializing in the practice of trusts and estates as a partner at a Chicago law firm. “Now in my practice I have made it my goal to educate parents on what they need to do,” she said.

Moms and dads who still think of themselves as protectors and advisers, even after their children become legal adults, often don’t consider the real-world implications of that milestone birthday. They and their young-adult children need to think about the unthinkable in advance. Three forms—HIPAA authorization, medical power of attorney, and durabe power of attorney—will help facilitate the involvement of a parent or other trusted adult in a medical emergency.

If a student attends college out of state, fill out the forms relevant to the home state and school state to avoid any challenges. If the school has its own form, sign that one too, Warsh said. “When the doctor or medical institution sees it, you want them to be familiar with it and recognize it,” she said.

Once the forms are completed, it’s a good idea to scan and save them so that they are readily available on a smart phone or home computer.

You don’t need a lawyer to do this. Many websites have downloadable forms. But a lawyer’s involvement can benefit in making sure you are using the right form, explaining it, and advocating on your behalf in case something goes wrong.

—Susan Feinstein

Thinking about the unthinkable: 3 forms that help

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-*HIPAA authorization*-

A signed HIPAA authorization is like a permission slip. It permits health-care providers to disclose your health information to anyone you specify. A stand-alone HIPAA authorization (not incorporated into a broader legal document) does not have to be notarized or witnessed. This document alone, signed in advance by her son, would have sufficed for Warsh to get information from the hospital treating her 18-year-old son. Young people who want parents to be involved in a medical emergency, but fear disclosure of sensitive information, need not worry; HIPAA authorization does not have to be all-encompassing. They can stipulate not to disclose information about sex, drugs, mental health, or other details they might want to keep private.

-Medical power of attorney-

In signing a medical POA you appoint an “agent” to make medical decisions on your behalf in case you are incapacitated and cannot make such decisions for yourself. Each state has different laws governing medical POA and, therefore, different legal forms. In many states, the HIPAA authorization is rolled into the standard medical POA form. Whether the medical POA requires the signature of a witness or notary varies state by state.

For the sake of clarifying often-used terms: A medical POA sometimes goes by other names, such as health-care power of attorney, designation of health-care proxy, or durable power of attorney for health care. It is one type of advance directive. The other type is a living will, which specifies your wishes with regard to interventions in life-or-death scenarios in case you are unable to do so. In many states, the language for the living will is also incorporated into a hybrid document that includes the medical POA and HIPAA release.

-Durable power of attorney-

As an additional step, young-adult children might consider appointing a durable power of attorney, enabling a parent or other designated agent to take care of business on the student’s behalf. If the student were to become incapacitated or if the student were studying abroad, the durable power of attorney would be able to, for example, sign tax returns, access bank accounts, and pay bills. Durable POA forms vary by state. In some states the medical POA can be included in the durable POA form. “The durable power of attorney is sweeping,” Wolk said. “You do not want to give it to someone who you do not trust.”

*Consumer Reports has no relationship with any advertisers on this website. Copyright © 2006-2015 Consumers Union of U.S.*

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    Reported by Consumer Reports 7 hours ago.

What you need to know about medical privacy

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*What you need to know about medical privacy*

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-*What is HIPAA?*-

It's the Health Insurance Portability and Accountability Act, a sweeping law passed by Congress in 1996—well before the Affordable Care Act was in the mix—whose primary purpose was to help protect employees and their families from losing health-insurance coverage after a job change or loss.

-What does HIPAA have to do with privacy?-

One of the provisions of HIPAA—and perhaps the most well-known among consumers—is the HIPAA Privacy Rule, which regulates who can look at and receive your individually identifiable health information. The HIPAA Privacy Rule applies to all forms of protected health information, whether electronic, written, or oral. It is an important tool in helping to protect against health care identity theft.

-What type of health information has to be kept private?-

HIPAA calls it Protected Health Information (PHI), and it includes any individually identifiable information about your health status, health care that you have received, or payment for health care. The HIPAA Privacy Rule does not apply when the information is used as part of a large data set with no identifiers that connect information to individual patients. Also, the HIPPA Privacy Rule does permit release of your medical files for the purposes of coordinating treatment with another provider, payment, or other health care operations.

-Who has to keep my medical information private?-

This is a key point. Only "covered entities" are bound by the HIPAA Privacy Rule. Covered entities include:

· individual health care providers, such as doctors, psychologists, chiropractors, dentists, pharmacists, and nurses.
· medical establishments, such as hospitals, clinics, urgent care centers, and nursing homes
· health plans, such as health insurance companies, HMOs, company health plans, and certain government programs that pay for health care, including Medicare and Medicaid
· health care clearinghouses, such as organizations that work with converting health information into electronic format.

Importantly, many entities are not covered by HIPAA. These include your employer, life insurance companies, workers' compensation carriers, and most schools and school districts. Nor does it apply to companies that collect your information through health-tracking apps or activity trakers. And, to the chagrin of many, the HIPAA Privacy Rule does not apply to a friend or family member who breaches your confidence, to your coworker who overhears you talking on the phone, or to the sanitation worker who finds your paperwork in the trash.

-How is the HIPAA Privacy Rule enforced?-

The federal Office for Civil Rights  (OCR), which is within the U.S. Department of Health and Human Services (HHS), is in charge of enforcement. You, as a consumer, can file a complaint, but you have no standing under this law to sue for a HIPAA Privacy Rule violation. Only the OCR or the U.S. Department of Justice can file an action. 

—Susan Feinstein

*Read more Consumer Reports coverage about how HIPAA may affect you:*

*Will you be able to help your college-age child in a medical emergency?*

*Is my prescription information private?*

*For additional information about HIPAA, see the HIPAA FAQs from the U.S. Department of Health and Human Services.*

*Consumer Reports has no relationship with any advertisers on this website. Copyright © 2006-2015 Consumers Union of U.S.*

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Want to hear health insurance company proposals for 2016? Tune in now

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Health insurance companies operating in Virginia are presenting their rates before the State Corporation Commission today, Wednesday, July 22. Learn what's driving the increases in individual and small group plans. Reported by dailypress.com 22 hours ago.

A Killer Toothache: How U.S. Dental Care Became a National Emergency

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Kyle Willis had a toothache. What he didn't have was a job -- or health and dental insurance. Willis, who lived in Cincinnati, first visited a nearby dentist, where he was told one of his wisdom teeth had to be pulled. However, as an unemployed, single father, he had no way to pay for the procedure and decided to endure the pain. Just a few weeks later, Willis developed a headache and the side of his face swelled like a balloon. He went to the Emergency Room, where he was prescribed painkillers, which cost $3, and antibiotics, which cost $27. Unable to afford both, he bought only the painkillers. While he was able to stop the pain over the next few days, the infection spread to his brain and caused it to swell. He was rushed to the hospital, where he later died. Willis was 24.

This isn't a one-off tragedy. Like Willis, 130 million Americans -- over 40 percent of the population -- do not have dental insurance. Over the last ten years, millions of patients have been showing up with dental pain to hospital emergency departments (EDs) instead of dental practices, at the cost of billions to hospitals, in hopes of receiving quick and affordable relief. ED physicians, however, cannot do much to treat dental pain other than prescribe painkillers and antibiotics, and inform patients upon discharge to visit a dentist. However, over 70 percent of patients who visit the ED for dental-related conditions have no form of dental coverage and nearly one-fifth return to the ED with the same problem soon afterwards, signaling that a significant number of people are having trouble accessing affordable dental care. The end result can be fatal. 101 patients were found to have died due to dental-related problems in the ED in just a three-year span.

This game of life or death is largely a political battle. While 44 states offer some capacity of dental benefits to Medicaid-enrolled adults, only 28 offer coverage beyond emergency treatment, but still fall short of the standard of care needed to maintain adequate oral health. Under the Affordable Care Act, 30 states, including the District of Columbia, intend to expand Medicaid eligibility to adults at up to 138 percent of the federal poverty level. Although the ACA mandates dental coverage for individuals less than 18 years of age, adult dental coverage remains optional for insurers. However, at least 22 of those Medicaid-expansion states intend to offer dental benefits to newly eligible enrollees. 10 will offer extensive benefits, 7 will offer limited benefits, and 5 will offer emergency benefits-services provided for the relief of pain and infection under defined emergency situations-alone. Limited benefits include select diagnostic, preventative, and minor restorative procedures. This covers less than 100 of the approximately 600 procedures recognized by the American Dental Association's Code on Dental Procedures and Nomenclature. The per-person annual expenditure is capped at $1,000. Extensive benefits, in contrast, covers at least 100 of the approximately 600 procedures recognized by the American Dental Association's Code on Dental Procedures and Nomenclature. The per-person annual expenditure is capped to at least $1,000, if not more. To no surprise, states that opted out of providing dental coverage in their benefits packages cited cost as their primary determining factor.

This trend is symptomatic of a larger structural and socioeconomic issue. The use of the emergency department for dental problems serves as a marker for disparities in the quality of and access to adequate dental care and health literacy. Over 70 percent of patients who come into the ED for dental-related visits reside in low-income geographic areas. Medicaid enrollees often have trouble finding the only 20 percent of dentists who accept Medicaid. Low reimbursement rates, high rates of cancelled appointments, low compliance with treatment, and the administrative burden all contribute to the scarcity in Medicaid-accepting dentists. Additionally, access to dental care is limited not only by insurance coverage, but also an individual's discretionary income and geographical location. As a result, low-income patients are at higher risk to forgo dental care altogether, despite experiencing a greater burden of oral disease.

Although significant evidence links poor oral health to systemic diseases, particularly diabetes mellitus and cardiovascular disease, most people are uneducated about the consequences of poor oral hygiene and its role in overall health. Poor oral health literacy and compliance among families is highly evident in the case of childhood tooth decay. Although it is virtually preventable, tooth decay is the most common chronic illness among children. When ignored or untreated, it can cause severe pain, tooth loss, systemic infection, and, in some cases, death. Despite this, nearly one in four children in the U.S. have untreated tooth decay. For low-income children, it's every one in two.

The problem doesn't disappear with age either. The U.S. Centers for Disease Control and Prevention estimate that nearly 50 percent of Americans over 30 suffer from periodontitis, which destroys the gum tissue and bone that supports teeth and the jaw. In adults over 65, that number jumps to over 70 percent. In advanced cases, affecting nearly 9 percent of Americans, it can cause tooth loss, pneumonia, poor pregnancy outcomes, and chronic inflammation, increasing the risk of diabetes, cardiovascular disease, and stroke. Additional costs associated with these systemic health problems as a result of poor oral health also contributes to otherwise preventable healthcare spending. Chronic illness management costs the U.S. healthcare system nearly $300 billion annually.

Herein lies the economic incentive-in addition to improving the quality of U.S. healthcare-for hospital administrators and policymakers to design and implement health system models to alleviate disparities between access to dental care and medical care.

Local and state governments should expand dental clinics within Federally Qualified Health Centers (FQHCs), of which the Affordable Care Act allotted $11 billion in new funds, and other community health centers in low-income areas. Less than 60 percent of FQHCs offer dental services, and those that do provide significantly limited adult dental care. While only about 2 percent of the dental workforce provides care within FQHCs, the 2009 Children's Health Insurance Program Reauthorization Act (CHIPRA) stipulated that FQHCs may contract with private dentists to provide dental care to health center patients in private dental offices. Increasing the number of private dentists who contract with federally supported health centers may increase dental coverage to underserved populations and, given the increased patient pool, incentivizes dentists, particularly recent graduates, to contract with FQHCs.

Finally, establishing literacy campaigns in conjunction with the expansion of FQHC dental coverage, either through coordination with federal insurance programs, dental care companies, or media partnerships, will be essential in improving oral health education and utilization of dental services among newly eligible Medicaid beneficiaries, because no one deserves to lose their life to a toothache.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 22 hours ago.
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