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U.S. Olympians' Insurance Finally Qualifies

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America’s Olympians now have officially qualifying health insurance after the federal government and the U.S. Olympic Committee reached an agreement this week over the status of their coverage. Reported by Wall Street Journal 12 hours ago.

Regalii Signs 15 Partners; 29 Million New Potential Customers

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Regalii is set to power 15 leading financial institutions, which currently serve 29 million customers across 50,000 locations.

NEW YORK, NY (PRWEB) August 31, 2015

Regalii, a platform that enables digital payments for family’s services or bills from anywhere in the world, has partnered with 15 leading financial institutions in the U.S.

These institutions serve 29 million customers across 50,000 locations and account for 70% of all remittance locations in the U.S. These institutions include remittance agencies such as: Ria Financial, IDT, Black Wireless (SDI), Castle Checking (CFSC), La Nacional, Intercambio Express, Davidsfinancial.com, Dinex, and Sendcashglobal.com among others. Regalii expects to complete all integrations via its API in 2016, which will include both digital and traditional (brick-and-mortar) financial institutions.

Every year 232 Million migrants around the world remit $622BN, of which 17% is spent on services or utility bills, and Regalii’s bold vision is to be the API that facilitates all of these payments.

Today, the company also announced is doing over $1 million in net revenues annually, with revenues up 800 percent compared to the previous year. The company is currently live in 1,000 locations, and projects to be in 50,000 locations in 2016.

“Regalii provides a really innovative payment option for all of our consumers to manage their family’s finances remotely. I can pay my grandma’s electricity and water from 3000 miles away. That’s very powerful. Only because of Regalii can we do that” - Daisy Paulino, agent partner

Regalii partners with the same agencies that remittance senders already know and trust. The Regalii platform tracks all the finances of a family member remotely and summarizes these financial matters into a SMS. Each week Regalii sender and recipient receive the SMS summarizing their family's financial situation, ie, which bills are due, how much, and when due.

“We’re building a next-generation payments platform. The internet has no borders, so paying for services shouldn’t either” - Edrizio De La Cruz, Regalii CEO.

About Regalii

Regalii is a co-branded mobile and web API platform that enables bill and services payments – electricity, water, gas, cell, tuition, health insurance and other – from anywhere the world. Regalii investors Y-Combinator, Mitch Kapor, Winklevoss Capital, Alexis Ohanian, Maverick Capital, among others. Reported by PRWeb 7 hours ago.

Pulse8 Presents Precise Modeling of Transfer Payment Revenues at The Health Insurance Exchange Summit in Scottsdale, AZ

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4th Annual Health Insurance Exchange Summit September 1-2, sponsored by Healthcare Education Associates and RISE

Scottsdale, AZ (PRWEB) August 31, 2015

Scott Stratton, Chief Data Scientist and VP of Product Analytics at Pulse8, will present the company’s strategies and results on How To Achieve Optimal Risk Adjustment Levels and Avoid Funding Your Competition on September 1 at 4:15 pm. Mr. Stratton will share how Puls8’s health plan partners have improved their financial performance by avoiding unnecessary interventions and deploying strategies designed to reduce cost utilizing real-time visualization and reporting tools.

Pulse8 risk adjustment and big data experts will be onsite to offer health plan and provider attendees:·     Interactive demonstrations of its revolutionary Risk Adjustment analytics.
·     Insight into how big data and advanced analytics can find more opportunities, intervene more precisely, dynamically, and obtain superior financial results
·     Real-time visibility into individual member and provider activities that allow health plans and providers to drilldown and move quickly to deploy the most cost-effective and appropriate interventions.

About Pulse8
Pulse8 is the only cutting-edge healthcare analytics and technology company that delivers an unprecedented view into risk adjustment enabling health plans to achieve the highest financial impact in the Commercial Health Exchanges, Medicare Advantage and Medicaid markets. Pulse8 is revolutionizing risk adjustment through innovative and unique products to ensure its clients outperform their competitors. Utilizing transparent and flexible business intelligence tools, Pulse8 offers real-time visibility into member and provider activities so our customers may apply the most cost-effective and appropriate intervention. For additional company information, or to schedule a demonstration, contact Scott Filiault at scott.filiault(at)pulse8(dot)com or 732.570.9095, or visit http://www.Pulse8.com and follow Pulse8 on twitter @Pulse8News for timely risk adjustment, analytics and industry updates.

About Healthcare Education Associates
Healthcare Education Associates is a division of Financial Research Associates, LLC. HEA is a resource for the healthcare and pharmaceutical communities to improve their businesses by providing access to timely and focused business information and networking opportunities in topical areas.

About RISE
RISE is the first national association totally dedicated to enabling healthcare professionals working in organizations and aspiring to meet the challenges of the emerging landscape of accountable care and health care reform. We strive to serve our members on four fronts: Education, Industry Intelligence, Networking and Career Development. Reported by PRWeb 7 hours ago.

Killing Uncle AL

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Specialty metals manufacturer ATI reinvented itself in recent years. Instead of serving as a vital organ in the dozen communities where it operates mills, it decided to be a boil, blight - a bane upon civic life in six states.

Communities once cherished their ATI specialty mills and the feeling was reciprocated. Managers knew mill workers by name, lived in the same towns and fulfilled civic responsibilities. The mills contributed to scout troops and fire departments. Townspeople referred to the plants as Uncle AL, for Allegheny Ludlum, the name before its Aug. 15, 1996 merger with Teledyne that created ATI.

But now ATI is butchering that time-honored relationship.  It has demanded tax abatements and special electrical rates and forced excessive overtime on weary workers. Its disdain for civic engagement is most clearly demonstrated by its decision to unlawfully lock its 2,200 skilled union workers out of their jobs on Aug. 15 despite the Steelworkers’ willingness to continue working. By wasting untold millions on security guards and highly paid, but inexperienced replacement workers, ATI has finished converting itself from a pillar of the community into a pariah.

*Picketing at the mill in Brackenridge after ATI locked them out are from left to right: Michael Jageman, Ford City, 22 year veteran of Brackenridge; Herb Henkle, Tarentum, 37 years at Brackenridge; Leonard Rajski, Lower Burrell, 8 years; Joe Badac, Kittanning, 27 years; Mike Remper, Lower Burrell, 20 years; Chris Santella, Brackenridge, 37 years; Bob Grant, Freeport, 9 years; Dean Ansilio, New Kensington, 22 years*

The experience of workers at ATI plants in Western Pennsylvania, particularly in Brackenridge, illustrates the corporation’s transmutation.

These workers, some with 30 years’ tenure at the mills in Brackenridge, Vandergrift and Bagdad, recall the days of Uncle AL and plant managers like Dick Simmons and Bob Bozzone. Both were metallurgists who worked their way up through the ranks. Both spent time in the mills, knew workers by name, lived in the community, and showed that they cared deeply about both specialty steel quality and community quality of life.

In fact, when members of the United Steelworkers union struck Allegheny Ludlum in 1994, Bozzone, who was company president then, continued their health insurance. Workers repaid those costs in increments when they returned to their jobs.

This time, the corporation has engaged in an aggressive but failing campaign to try to turn community members against the Steelworkers, vainly attempting to characterize them in newspaper ads as excessively paid ungrateful whiners.

In those ads, ATI failed to mention an important factor that most community members know – the pay figure ATI cited was manipulative and disingenuous because it included compensation for hundreds of hours of forced overtime. Some Steelworkers have labored 12-hour days, seven days a week for months, even a year, some willingly, but most not. **

Michele Rapp of Natrona Heights, who has worked at the Brackenridge mill for a quarter century, said of the ATI pay claim, “I wish we earned $94,000 for working 40 hours a week. We work 12-hour shifts seven days a week. And the hours won’t be any better when we return because so many workers have retired. And you can’t turn down the overtime.”  To earn $94,000, ATI Steelworkers must labor 350 to 400 hours of overtime, which adds up to an additional two and a half months of work a year.

ATI also deliberately failed to mention that it is advertising for replacement workers and will hand each of them as much as $156,000 a year, plus room, board and transportation. ATI is giving outsiders with no knowledge of its mills nearly three times what the labor agreement calls for it to provide in regular compensation to its experienced, skilled and dedicated Steelworkers who clearly told the company they were willing to continue working while negotiating a new labor agreement.

And, of course, ATI neglected to note that it handed many on its of top leadership team, including CEO Richard Harshman, raises of up to 70 percent last year, increasing annual compensation for these individuals by millions of dollars. These country clubbers don’t work in hot, hazardous or physically exhausting conditions.

Kathy Vargo of West Leechburg, whose husband and father worked at ATI, said of Harshman and the other executives, “These guys are not affected by this. They don’t care.”

Dean Ansilio of New Kensington, who has worked at the Brackenridge mill for 22 years, said of the executives, “These guys don’t care about this community. They probably have three houses in three states.”

Leisa Brothers of Sarver, who has worked at the Brackenridge plant for 22 years, said the current executives and managers don’t spend time in the mills. “They don’t have a clue,” she said, “Let them work in the melt shop for a day, with the dangers and the noise and the overwhelming heat. It is so loud your body rumbles.”

Bill Hrivnak, who owns Ernie’s Bar in Brackenridge, recounted his son Craig, who has worked in the mill there for seven years, telling him that in one area, “it is so hot you think your shoes are going to melt.”

*Bill Hrivnak at his bar, Ernie’s, in Brackenridge*

Steelworkers like Leisa, Dean and Craig confront perilous conditions. At the Steelworker union hall in Brackenridge, a granite memorial bears the names of 48 workers killed in the mill since 1929. That is more than one death on the job every other year.  

In the ATI ad for replacement workers, the corporation conceded only that “conditions are dangerous and unpleasant.” ATI didn’t tell prospective replacements that just three months ago, Executive Vice President Bob Wetherbee said that any new hires would probably need at least an associate degree in engineering or electronics and two years of training because of the highly technical nature of the work.

The ATI ploy to sow dissention and jealousy in the community appears to have failed miserably. Community members routinely drop off donuts and soup at union halls and send pizzas to the picket lines. Steelworkers picketing at mill gates report that 90 percent of passersby wave or honk their horns in support. Community members have joined Steelworkers on the picket lines.

Regina Stinson of New Kensington, whose husband works at the ATI plant in Vandergrift, said neighbors came by to ask if they could help after ATI locked out the workers.

Michele Rapp, who works at the Brackenridge mill, said she thinks many community members support the Steelworkers because ATI locking out its employees made no sense to them. They wonder, she said, “what was wrong with the Steelworkers working on an extended contract? Why would ATI rather spend money on other people from out of town?”

Workers and spouses who gathered at the union hall in Brackenridge last week talked about the financial stresses and fears ATI has caused.

*On a picket line at ATI Brackenridge, in front, is Leisa Brothers of Sarver, who has worked 22 years at the Brackenridge mill; behind to her to the right is Sherry Kaleugher of Swissvale who has worked at Brackenridge for 9.5 years, to the left is Sandy Geminetti of Tarentum who has worked at Brackenridge for 14 years*

Leisa Brothers, who works at the Brackenridge mill with Michele, said she has stopped spending: “You don’t go anywhere. You don’t go out to eat. And that affects all of the businesses in town.”

Rachel Dehus of Freeport, whose husband has worked at the Brackenridge mill for 21 years, said that her family faces a pile of bills; the mortgage, car and college loans, utilities. 

Dehus said her biggest fear is losing health insurance at the end of August. Unlike former company president Bob Bozzone who maintained workers’ health insurance during the 1994 dispute, Harshman has expressed no concern at all this time about the wellbeing of ATI’s workers.

In fact, ATI has informed 96 locked-out office and technical employees that the company is terminating their benefits at the end of August, which has led the United Steelworkers (USW) to file a federal lawsuit to enforce these obligations.  

Cheryl Kanzic of Fawn Township, who has worked at the Brackenridge mill for 21 years, said: “My savings are on the line. We need a new roof. My car is 13 or 14 years old. But I am going to have to wait to do anything. We helped ATI make their money there. It is about to bear fruit. All we want is our fair share.”

With hard work and sweat, Steelworkers produced the specialty steel that made profits for ATI. But the workers and the communities do much more. Brackenridge is a good example.

A decade ago, ATI began planning construction of a new hot strip mill. Steelworkers, Brackenridge residents and Pennsylvania taxpayers all helped the corporation accomplish that. The Steelworkers agreed to significant work rule changes that ATI said it needed. Brackenridge, the school district, the county, and the state all granted ATI massive tax abatements by designating the construction site a Keystone Opportunity Zone (KOZ). And the state actually passed a law enabling ATI to secure special, lower electrical rates.

State Rep. Frank Dermody, who helped get that legislation passed, said at the time, “Working together, this is a great victory for the Allegheny Valley. We all worked together. The communities, the school district, the county – they all did a great job in making the KOZ work.”

A half dozen years later, ATI has turned its back on all of those sacrifices by workers and community members.

Like the workers, shop owners around the mills are suffering. Aby Shah, manager of the Express Food Mart, across Mile Lock Lane from ATI in Brackenridge, said business was down about 30 percent since the lock out. “The ATI managers did not consider the effect of the lockout on the community,” Shah said.

Bill Hrivnak, whose bar, Ernie’s, is on Brackenridge Avenue just a block from the mill, has also lost business, but like Shah, he displays a sign in his window supporting the Steelworkers. In addition, he drew and posted a sign that says, “No Scab Zone.” He explained, “I don’t approve of ATI bringing scabs in here to take away the livelihood of community people. Everyone thought when they built a $1 billion plant here that it would be great for the community, and it’s not. I am really disappointed with the way they handled things.”

*Matt Struhar at his Brackenridge pizza shop, Maddio’s Pizza & Subs
*

Matt Struhar, who owns Maddio’s Pizza & Subs in Brackenridge, posted several signs supporting the Steelworkers and got guff from ATI managers who said they they’d stop ordering from him for plant meetings. Still, he kept the signs.

Struhar has owned the shop for five years and several of his workers have been with him all of that time – at a pizza shop, where typical turnover is constant. That’s because Struhar values his workers, as he does Steelworkers and the community where he grew up.

“The bottom line is the community needs the union guys to be working. They support our businesses. Without them, we are nothing,” he said. After he wrote on Facebook about his confrontation with ATI managers, union workers from road crews, supermarkets and the local district justice office, as well as bikers and community members flooded his shop with orders to show support.

The community is with the Steelworkers. It longs for Uncle AL to return. 

-- 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 3 hours ago.

ZendyHealth Adds Two Prestigious Consumer Driven Health Plan (CDHP) Experts

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ZendyHealth has brought on two experts in Consumer Driven Health Plans to help their customers understand their Health Savings Accounts/Flexible Spending Accounts and help ZendyHealth stay on the cutting edge of the consumerization of HealthCare

Los Angeles, ACA (PRWEB) August 31, 2015

There’s big news for ZendyHealth, a Los Angeles-based startup company that’s filling a growing niche in the digital healthcare industry.

Consumer driven health plans (CDHPs) are a growing phenomenon, and ZendyHealth has brought on two experts in the field: one in an advisory and strategic role to the company, and another to answer customers’ questions directly.

John Young, CEO of Consumerdriven, LLC will be serving ZendyHealth as an Advisor and Business Development Resource with HSA Custodians and Private Exchange Stakeholders. John is a leading consultant in all things Consumer Driven, including Public and Private Exchange and Health Plan Strategies, HRA and HSA Plan Design and Pricing, Defined Contribution, and Transparency. He was a pioneer in the beginning of Consumer Driven Health and continues to be zealous in improving the consumerism customer experience through all stakeholders.

Todd Berkley, an HSA consultant who runs a resource for HSA advice, Askmrhsa.com, will be bringing his unique set of skills to ZendyHealth, contributing with a guest blog and answering customer’s questions directly on the site’s Q&A section. He is a leading practitioner in managing the business of Health Savings Accounts, and a consultant on HSA growth strategies.

Both John and Todd were instrumental in helping the healthcare industry preserve the HSAs growing impact during the recent health reform debate.
“We are pleased to have these affiliations,” states Dr. Vish Banthia, Founder and Chief Medical Officer for ZendyHealth, “as it seems a natural pairing for us given the consumer-driven wave we are seeing in the health industry and the problems we are solving.” The idea of CDHPs is to put decision-making and some level of power back in the hands of the consumer, and that’s also the mission of ZendyHealth.

John Young on Zendy: “Even though benefit plan designs are increasingly full of financial incentives which drive more prudence in healthcare purchasing, people generally feel powerless about healthcare, dental and cosmetic pricing, as if it’s all up to someone else. It all feels like it’s done behind a curtain. ZendyHealth empowers individuals to be directly involved in negotiating lower costs. The vision of consumer driven health care has always been to help people influence and drive the healthcare marketplace, like they do everywhere else. Zendy is helping with this vision”, says Young.

Berkley adds, “I am not surprised that many of ZendyHealth’s clients also have Health Savings Accounts, since HSA accountholders are more actively engaged in finding the best cost and quality of care. I am happy to answer questions from ZendyHealth clients and provide them with a steady stream of relevant HSA information from AskMrHSA.com to help them make the most of the HSA experience."

With ZendyHealth, customers are able to get affordable health, dental, and cosmetic care. Consumers are empowered to make smarter financial decisions when it comes to their care as they can pick their own price that they can afford while the website’s advanced algorithm finds the best possible provider from their extensive provider network. The site has proven advantageous for people who have no insurance and those patients with high deductible health insurance plans and plans with generally limited coverage. Many of the services offered thru the website are HSA eligible procedures including MRI and CT scans, Allergy Testing, Dental Implants, Teeth Cleaning, and more. Reported by PRWeb 3 hours ago.

Health Reform: The Problem With G.O.P. Plans to Sell Health Insurance Across State Lines

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Numerous state regulations aren’t the main reason insurance markets tend to be uncompetitive. Reported by NYTimes.com 21 hours ago.

April Travel Protection to Highlight Medical Benefits of Travel Insurance in New Awareness Campaign

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Many health insurance policies do not cover policyholders in international destinations, a fact that most travelers fail to take into account when deciding whether or not to purchase trip insurance.

Miami, FL (PRWEB) August 31, 2015

APRIL Travel Protection (http://www.AprilTravelProtection.com) – the new U.S. division of 26-year-old APRIL Travel Group – is embarking on a new campaign to highlight the medical benefits of travel insurance which the company believes makes coverage a no-brainer. The campaign will target a broad spectrum of travelers and enthusiasts from mature market vacationers spending their retirement seeing the world, to adventure travelers seeking thrills in a sparsely populated national park.

“Many insurance companies in the U.S. have focused their message on the importance of protecting one’s travel investment. This is typically sound advice, but fails to drive home some of the other reasons travel insurance is crucial,” said Jason Schreier, CEO of APRIL USA.

“Specifically, it pegs the degree to which consumers view the necessity of travel insurance to the dollar amount spent on flights, hotels and car rental,” Schreier noted. “As a result, a traveler will view a luxury ski vacation to the French Alps in different terms than a business trip to London paid in full by the traveler’s company.”

What this model fails to take into account is that medical emergencies are inherently unexpected and that even a minor health issue experienced overseas can be extremely costly. In fact, medical benefits are often the second-most utilized policy feature after cancellation.

The lesson many vacationers who don’t purchase a comprehensive travel insurance policy (or fail to research the coverage provided by a less comprehensive policy) will ultimately learn is that their regular health insurance – whether it’s an HMO or an expensive feature-rich policy – will often not cover them in an international destination. This includes Medicare, the most common health plan for American citizens 65 and older.

“As those with Medicare also tend to be the most frequent travelers, this is a very big deal as the cost of a hospital visit oversees can far exceed the amount spent on one’s trip,” Schreier noted. “Doubly so if medical evacuation is required as is often the case when a cruise passenger becomes ill during an excursion to a remote paradise.”

Beyond highlighting less contemplated benefits of travel insurance – which extend far beyond medical coverage and may include other trip enhancing or disruption minimizing features depending on the policy selected – APRIL urges prospective policyholders to do their research.

“Don’t be lazy and simply check off the box on a vacation wholesaler’s website to ‘add protection’ to your booking. Chances are you won’t receive the highest level of protection that you could were you to invest a few minutes researching other options,” warned Schreier.

In most cases, consumers can click a hyperlink to see exactly what level of protection they will receive when they opt for a policy offered by the booking engine through which they make their travel arrangements.

The next move for savvy consumers is to visit a travel insurance comparison site such as InsureMyTrip.com, SquareMouth.com and TripInsuranceZone.com. These aggregators will allow travelers to compare various aspects of multiple insurance providers – including APRIL – to determine which is right for each individual’s needs.

For example, many policies will provide secondary medical coverage instead of primary medical. While the distinction between the two may not be intuitive to the average person, the reality is that it can make a very big difference.

Secondary medical requires policyholders to utilize their own health insurance policy and is only designed to cover supplemental medical expenses not covered by one’s regular heath insurance provider. In contrast, primary medical is designed to function as one’s health insurance policy during the travel period.

“If this still doesn’t seem like an important distinction, consider the alarming possibility that your regular health insurance provider may not interpret things in exactly the same way as your secondary medical provider,” Schreier explained. “Being stuck between two insurance companies who each claim the other is responsible is the last position you would ever want to be in!”

“In any situation from travel insurance to consumer electronics, a well-researched purchase tends to result in a more satisfied consumer. Do yourself a favor and commit to due diligence when making important decisions that can determine the type of medical care you receive overseas and the personal cost it may have on your health and finances,” urged Schreier.

Beyond its comprehensive coverage areas – which include medical evacuation and primary medical – APRIL’s ‘Stress Less Benefits’ provide instant adjudication – a ground-breaking innovation which pays to resolve covered issues on-the-spot while the vacationer is still traveling.

Every policy sold by APRIL and its supplier partners offers this feature for a wide range of inconveniences that can’t be predicted in advance, including severe weather and natural disasters, injury, sickness, death, job loss or relocations, supplier default, terrorism, military duty, strikes and more.

APRIL is the only insurance company to offer this progressive benefit to U.S. policyholders.

For a list of triggers covered by APRIL's ‘Stress Less Benefits’ or more information on policy options, contact APRIL at 855-277-4587, email info(at)AprilTravelProtection(dot)com or visit http://www.AprilTravelProtection.com.

-----About APRIL Travel Protection-----
APRIL Travel Protection is owned by APRIL, an international group with 45 operational companies in more than 40 different countries. APRIL has yearly sales of more than $1.1 billion.

With its guiding principles to build trust, push boundaries, innovate and keep it simple, APRIL Global Assistance Network benefits from an extensive organizational structure servicing more than six million policyholders worldwide.

The company’s U.S. division is supported by American Modern Insurance Group (an AM Best A+ rated carrier) as its preferred underwriter and is headquartered at 11900 Biscayne Blvd. Suite 600, Miami, FL, 33181. Reported by PRWeb 19 hours ago.

Russia and China could be 'making it impossible for the US to hide' its intelligence activities

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Russia and China could be 'making it impossible for the US to hide' its intelligence activities US officials believe that China and Russia are building a database of US intelligence information using massive amounts of files stolen from government agencies and private companies, The Los Angeles Times reported Monday.

The intelligence community fears that sort of a database could be used to identify, profile, track, and potentially blackmail or recruit US intelligence operatives around the world.

Digital analysis of the data can reveal "who is an intelligence officer, who travels where, when, who's got financial difficulties, who's got medical issues, [to] put together a common picture," William Evanina, the top counterintelligence official for the US intelligence community, told The Times.

In recent months, hackers linked to the Chinese government have stolen data on millions of Americans via the Office of Personnel Management (which holds US security clearance background checks), the health insurance giant Anthem, and two major airlines (United and American).

The attacks diverged from their usual pattern of stealing intellectual property and defense secrets. Instead, the hackers have targeted information that would enable them to build a database of US diplomats, intelligence operatives, and those with business in China. 

Some CIA, National Security Agency, and military special operations personnel were exposed in the OPM attack, resulting in what counterintelligence expert Joel Brenner described as "a significant blow" to American human intelligence.

Russia, too, has been linked to at least two major government data breaches this year. In April, Russia-hired hackers reportedly broke into an unclassified White House system and stole information about President Barack Obama's daily schedule and communications. In July, Russian hackers knocked the Pentagon's email system offline for two weeks and shared large quantities of data across thousands of websites, NBC reported. 

The stolen data could forseeably be used as leverage for foreign governments over individuals, but blackmail may not be the hackers' only (or even primary) objective.

"There's a difference between leverage and information," cybersecurity expert Dave Aitel told Business Insider. "This isn't about blackmail ... it's about understanding the scope of US intelligence activities, tracking all relationships, and making it impossible for the US to hide the true depth of its intelligence."

The potentially blackmailable information exposed in the Ashley Madison hack, for example, is "much less important in the long run than simply knowing where everyone traveled," Aitel noted. "And the OPM hack will be less important in the future than the much bigger strategic hacks that have targeted private companies."

Still, "the combination of information [the hackers] obtained from OPM with the travel information they now have from United [Airlines] is hugely powerful" for the Chinese, Aitel told Business Insider last month, "and it will make the kind of work the CIA does much more difficult."

Aitel noted that the hackers' breach of United Airlines was especially significant as it's the main airline in and out of Washington, DC's Dulles International — the nearest international airport to the CIA's headquarters in Langley, Virginia.

"Every CIA employee and visitor coming from abroad flies in and out of Dulles, and chances are they're flying United," Aitel told Business Insider.

"Cross-referencing names contained in the OPM, IRS, and other caches would expose identities of US personnel working abroad under commercial or diplomatic cover," Robert Caruso, a former Navy special security officer who has worked in security at the State and Defense Departments, told Business Insider via email.

"You could easily target their families and employers with threats of blackmail or worse," Caruso added.

The Obama administration is now trying to figure out how best to retaliate for the data breaches without escalating the cyberwar. The White House is reportedly considering sanctions against China, in line with an executive order Obama passed in April authorizing financial and travel sanctions against anyone involved in foreign-based cyberattacks.

"We need to assume China has hacked every database" at this point, Aitel said. "Anything China competes with, they hack first. Economic sanctions is the obvious response, and it's long overdue."

Join the conversation about this story »

NOW WATCH: The 6 coolest phrases only people in the military use Reported by Business Insider 15 hours ago.

Connect for Health Colorado asked to try again to satisfy auditors

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Connect for Health Colorado leaders thought they had done enough to address a blistering audit released last December of the state health insurance marketplace. Reported by Denver Post 15 hours ago.

India Network proudly launches the new InstantQuote tool to help choose right visitor health insurance with pre-existing conditions to US bound visitors

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India Network InstantQuote program makes it easy to see all available health insurance options, deductibles, policy coverages, pre-existing coverages, and premiums in one easy-to-read format. Moreover, a summary of each health insurance program's health benefits is provided for each to help customers understand what type of coverage best suits the need of their visitor.

Orlando, Florida (PRWEB) August 31, 2015

India Network Foundation, a non-profit US-based sponsor of visitor health insurance, announced today their new “InstantQuote” tool, which summarizes all available plans, plan maximums, pre-existing condition coverage limits and deductible in a simple and easy-to-understand format. The technology tool is designed to help India Network members make an informed decision regarding the care they want for their visiting parents.

Increasingly, many elderly Asian Indian visitors find it difficult to understand cumbersome health insurance options available on various insurance web sites. India Network takes the initiative to simple health insurance language and provide easy-to-understand benefit schedules. Recent green card holders traveling to the United States with health concerns such as diabetes, high blood pressure, or other medical condition may be eligible an India Network’s pre-existing condition coverage health plan- provided the visitors maintains their permanent place of residence outside the United States.

Dr. KV Rao, India Network Foundation founder, commented, “The new InstantQuote tool is the only tool you need to understand medical insurance coverage, limits, and premiums in one easy-to-read format. We hope it helps those enrolling for the first time as well as those returning members comparing health insurance programs." The goal of the India Network Health Insurance programs is to empower the end user with full and comprehensive knowledge of the health insurance programs, their limitations and coverage. India Network’s straight talk policy lets their members know exactly what scheduled benefit plans and comprehensive plans (80/20) offer.

About India Network Foundation
India Network Foundation, established as a US non-profit organization, has been helping the Asian Indian community in North America with programs and grants to academics from India for more than two decades. India Network Foundation sponsors visitor health insurance to students, temporary workers (H1 visa holders) and their families.

India Network Services administers visitor health insurance to visiting parents, transient residents, tourists, students, temporary workers and their families. Cashless Visitor health insurance plans are offered for all age groups with network-based comprehensive coverage and with pre-existing condition coverage.
For more information visit http://www.kvrao.org. Reported by PRWeb 13 hours ago.

Fewer Americans Go Without Medical Care Due To Cost, Survey Says

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WASHINGTON -- More than 15 years have passed since this small a share of Americans didn't get medical care they needed because of the cost, a new federal government report reveals.

During the first three months of 2015, 4.4 percent of Americans surveyed said they went without health care at some point in the past 12 months because they couldn't afford it, according to Centers for Disease Control and Prevention research released on Tuesday.  

That's the lowest percentage of Americans forgoing health care since 1999, when 4.3 percent of respondents said they abstained from medical care because they couldn't afford it. It's also the first time since 2002 that the number dropped below 5 percent.

Since the late 1990s, more and more Americans didn't get medical care they should have because they couldn't afford it. The problem was at its worst when the share of Americans forgoing health care approached 7 percent in 2009 and 2010, during the immediate aftermath of the Great Recession.

Paychecks and health benefits have returned to workers amid the economic recovery and the shrinking unemployed rate since then. Meanwhile, the Affordable Care Act has brought the share of U.S. residents without health insurance to historic lows.Tuesday's CDC survey also found the uninsured rate during the first three months of 2015 has fallen to 9.2 percent -- after hovering around 15 percent for years and reaching a high of 16 percent in 2010.

The uninsured rate in the first quarter of this year is down from more than 14 percent in 2013, the year before the Affordable Care Act benefits became available for the uninsured.

According to the CDC findings, 15.8 million fewer people were uninsured during the first three months of this year than in 2013. The agency released these new data on the uninsured earlier this month. The numbers are consistent with other surveys, including those from Gallup and other organizations.

The CDC report published Tuesday includes data collected for the National Health Interview Survey, which the agency has conducted since 1957. The full findings are due later this year. The agency only included data going back to 1997, because the survey underwent methodological changes that year, which made comparisons to older findings inaccurate.According to previous reports by the Department of Health and Human Services, 10 million people have purchased health coverage via the health insurance exchanges created by the Affordable Care Act, and more than 11 million additional people are enrolled in Medicaid since the law's coverage expansion took effect in 2014.

-- 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 10 hours ago.

Fewer uninsured Coloradans, but many have moved to Medicaid

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The percentage of Coloradans without health insurance has fallen by more than half over the past two years — but the drop is due almost entirely to a surge in Medicaid enrollment, as the number of people insured by small companies especially has fallen drastically over that period. That was one of the most findings standout from the 2015 Colorado Health Access Survey, released Tuesday by the Colorado Health Institute (CHI) and The Colorado Trust. It highlighted both the progress that leaders… Reported by bizjournals 8 hours ago.

41st Annual Texas Advanced Family Law Conference Draws Thousands of Lawyers and their Support Staff from All Over Texas

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Michael Busby, a Houston Family Law Lawyers, reports from the Marriott River center, in San Antonio, Texas and 41st Advanced Family State Bar Of Texas Annual Meeting for Divorce Lawyers and their support staff

Houston, Texas (PRWEB) September 01, 2015

Michael Busby, a Houston, Texas divorce and family law attorney, provides commentary on the 41st Advanced Family Law conference of the Texas Family Law Bar. Once a year, the family law bar, gathers in San Antonio for 5 days of training and updates to the law. This year was a legislative year in Texas, thus the conference was of particular importance to lawyers who wish to stay current in all changes to the law.

It seems the main focus of the conference was the recent Gay Marriage opinion from the Supreme Court, reports Michael. Most of the family law bar, seemed to be happy with the decision. Economic incentive could be the reason. Yet some of the more senior lawyers, and several judges from rural counties expressed concern about the decision.

Updates were given to the Texas case law and differences between the 14 appellate courts of Texas were discussed. Final decisions from the Texas Supreme Court, which cleared up splits in authority from the appellate courts, where given particular attention by those in attendance. In attendance at the conference were several members of the Texas Supreme court, along with some Texas Federal Judges.

Health Insurance Portability and Accountability Act (HIPPA) as it applies to lawyers and their support staff also was a hot topic.    Effective September 1, 2012, the Texas Medical Records Privacy Act provides additional protections to consumers. The Texas Act is broader in scope than HIPAA because it applies not only to health care providers, health plans and other entities that process health insurance claims but also to any individual, business, or organization that obtains, stores, or possesses PHI as well as their agents, employees and contractors, and lawyers.

The conference concluded with trial skills classes for the family practitioner. Lawyers use mock trial to practice for the real deal, that comes in the weeks after the conference. Reported by PRWeb 7 hours ago.

MAP Health Management Launches the MAP Recovery Network

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The MAP Recovery Network is an alliance of addiction treatment providers who utilize a unified platform to improve outcomes.

Austin, Texas (PRWEB) September 01, 2015

MAP Health Management, LLC, announced today it has established the MAP Recovery Network, the Premier Outcomes-Driven Provider Network. It is the first-ever, standardized, outcomes-driven network comprised of addiction treatment providers. This rapidly-growing alliance is dedicated to the provision of quality addiction treatment and the utilization of resources to track and apply outcomes data, improve services and demonstrate the efficacy of chemical dependency programs. More than 45 treatment facilities located throughout Arizona, California, Florida, New Hampshire, Oklahoma and Texas have joined the Network.    

Nationally recognized for its cutting-edge technology, MAP’s mission is to improve addiction treatment outcomes. The revolutionary significance of MAP technology resides within its unique ability to accurately identify the most subtle of relapse behavioral patterns, a critical component in sustaining long-term recovery. “Sustained remission of the disease of addiction is most predictably achieved through combining best treatment practices with post-treatment recovery support services. The MAP Recovery Network provides an opportunity for facilities and their clients to achieve greater success by addressing recovery through the entire continuum of care.” stated MAP Clinical Director, Kerby Stewart, M.D.

Through the MAP Recovery Network, elite treatment providers will be able to differentiate themselves to healthcare consumers based on quality measures. Health insurance companies will benefit from the ability to identify quality and support patient access to providers.

“Addiction treatment providers who effectively demonstrate and improve their treatment outcomes using quantifiable data will be positioned to navigate the changing reimbursement paradigm”, said Jacob Levenson, CEO of MAP Health Management, LLC. “Insurance companies will reimburse providers for the value of services delivered. We created the MAP Recovery Network in order for quality providers to more effectively reach the millions of people in need of addiction treatment.”

“MAP has plans to expand the Network throughout the field of Behavioral Health and to other specialties. Many patients have co-occurring disorders and in order to improve outcomes we need a patient’s entire provider constellation sharing data and working together”, said Levenson.

MAP will continue to release technology offerings and other reimbursement enhancement tools to its Network members in the coming months. Reported by PRWeb 5 hours ago.

USA Medical Card Launches New FAQ Video During Back-to-School

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As the “sick season” begins for families with school children, many struggle to afford their prescriptions. USA Medical Card’s new video educates them on how the free pharmacy discount card can help this issue.

Miramar Beach, FL (PRWEB) September 01, 2015

USA Medical Card, a leading distributor of free pharmacy discount cards, launched its consumer-friendly, informational video this week to coincide with back-to-school and the start of “sick season” for many households across the country: http://www.USAMedicalCard.com/video.

According to the CDC, elementary school children are sick an average of 8 to 12 times each school year. For older kids, it’s about half that. Typically, their germs will spread in the home, infecting the rest of the family.

The short, easy-to-watch video is designed to quickly communicate the value of the card to the family caretakers, and other individuals in need of prescription savings. The free, pre-activated card can complement your health insurance plan—to help fill in gaps of prescription coverage. It is accepted at more than 60,000 pharmacies across the country—local, regional and national chains such as CVS, Costco, Target, Rite Aid, Walmart and Walgreens. With this card, you can instantly save up to 75%.

Eligible Rx medications include those frequently prescribed for children who have bacterial infections, pain/fever, gastrointestinal issues, allergies, ADHD and other health conditions. The card is commonly used on Amoxicillin, Prednisone, Azithromycin, Cetirizine, Montelukast, Loratadine, Amphetamine Salts and thousands of other popular medications.

To get a card, you can download one at http://www.USAMedicalCard.com or text USAMC to 95577.

About USA Medical Card
USA Medical Card is a privately held company that was founded to address the need for affordable prescriptions by the estimated over 100 million people in America with inadequate prescription coverage. The company reaches out to families, individuals and seniors who are most at risk, and whose health would be compromised without the value their pharmacy discount card provides. It is able to offer these significant discounts due to the negotiating power they have from partnerships established with leading Pharmacy Benefit Managers. Savings may vary by state, drug and pharmacy. USA Medical Card does not sell or share personal health information. The company adheres to the Health Insurance Portability and Accountability Act (HIPAA).

Media Inquiries: 1-914-629-0059 Reported by PRWeb 4 hours ago.

Florida’s “Healthy Kids” Insurance Rates To Rise

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Thousands of children in the Florida Healthy Kids health-insurance program will see their rates jump as of October 1st and state officials are blaming the federal Affordable Care Act. Reported by cbs4.com 11 minutes ago.

As Humana deal looms, a fight is brewing in Washington, D.C.

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A fight has been brewing all summer over insurance industry consolidation. Now we're starting to see each side getting armed. There are two major acquisition deals that would leave the U.S. health insurance market in a much more consolidated state. Hartford, Conn.-based Aetna Inc. announced it would purchase Louisville-based Humana Inc. for $37 billion on July 3. A few weeks later Indianapolis-based Anthem Inc. announced it had agreed to purchase Bloomfield, Conn.-based Cigna Corp. for $54 billion. Because… Reported by bizjournals 1 day ago.

MRI Software recognized as one of Northeast Ohio’s ‘Best Places to Work’

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MRI Software wins NorthCoast 99 award for ninth year

SOLON, Ohio (PRWEB) September 01, 2015

MRI Software, a global leader in property and investment management solutions, has been recognized by ERC, a human resources service organization for business professionals in Northeast Ohio, as one of Northeast Ohio’s ‘Best Places to Work’ for 2015.

This is the ninth year that MRI Software has been the recipient of the NorthCoast 99 award, which annually honors 99 great workplaces for top talent in Northeast Ohio.
Since 1999, thousands of organizations have been nominated and applied for the award, which was developed by ERC. The program, designed to promote remarkable workplaces, recognizes organizations for their ability to maintain workplaces that support attraction, retention, and motivation of top performers.

“Our company’s success is driven by our amazing team members that passionately believe in our corporate family,” said Patrick Ghilani, CEO of MRI Software. “In addition to continuing to hire the brightest and best in our industry, MRI is committed to always prioritizing a culture that drives professional growth, enables cross department and upward mobility, and most importantly, provides our team with training, trust, and support.”

“We’ve been very excited to see the stories from this year’s NorthCoast 99 winning organizations, and how they’ve created cultures for top performers to thrive,” said Pat Perry, President of ERC.

“NorthCoast 99 has transformed from a workplace competition to a movement. We see it every day and are gratified that more and more local CEOs are shifting towards a great workplace strategy.”

MRI Software will be honored among the other local companies receiving NorthCoast 99 awards at a recognition dinner on September 24th at Executive Caterers at Landerhaven in Mayfield Heights.

To learn how you can join a winning company, please visit http://www.mrisoftware.com.

About MRI Software
MRI Software LLC is a leading provider of innovative software solutions for the global real estate industry. MRI delivers a comprehensive and truly configurable solution, from property-level management and accounting to the most complex, long-range financial modeling and analytics for both the commercial and multifamily real estate markets. As a leading provider of real estate enterprise software applications and hosted solutions, MRI leverages over 40 years of business experience to develop long-term successful relationships with its clients. Founded in Cleveland, Ohio, U.S.A., the company has offices in Toronto, London, Sydney, Singapore, and Hong Kong.

About ERC
ERC is the Northeast Ohio’s leading professional services organization dedicated to HR. Services provided by ERC include Compensation surveys, HR Help Desk, HR & Workplace compliance information, employee and management training, HR Consulting and health insurance for small and mid-size business. For more information, please visit: yourerc.com. Reported by PRWeb 23 hours ago.

PhRMA Launches New Spanish-Language Health Care Resources

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WASHINGTON, Sept. 1, 2015 /PRNewswire-USNewswire/ -- Today, the Pharmaceutical Research and Manufacturers of America (PhRMA) launched Access BetterCoverage.org/espanol, a hub of Spanish-language resources on health care, health insurance and tips for shopping for health coverage. En... Reported by PR Newswire 21 hours ago.

1 EDI Source, Inc. Named Top Workplace in 2015

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NorthCoast 99 recognizes 1 EDI Source, Inc. as a top workplace in Northeast Ohio.

Solon, Ohio (PRWEB) September 01, 2015

1 EDI Source, Inc., one of the nation’s leading provider of electronic data interchange (EDI) software and SaaS solutions, is proud to be recognized by the Employer’s Resource Council (ERC) as one of Northeast Ohio’s 99 best places to work.

This is the 17th year that ERC has hosted the NorthCoast 99 award, which recognizes organizations for their ability to maintain great workplaces that support the attraction, retention and motivation of top performers.

“Our people are the company’s greatest strength and we are totally committed to creating an environment that empowers team members to grow both personally and professionally," said David Lowman, president of 1 EDI Source, Inc.

"We offer professional training through our own 1 EDI University, maintain a healthy respect for life/work balance, and encourage charitable activities that originate in our Fun Source committee. It’s a win/win culture that not only allows each employee to excel, but also allows 1 EDI Source to retain key knowledge resources,” added Lowman.

“We’ve been very excited to see the stories from this year’s NorthCoast 99 winning organizations and how they’ve created cultures for top performers to thrive,” said Pat Perry, president of ERC. “NorthCoast 99 has transformed from a workplace competition to a movement. We see it every day and are gratified that more and more local CEOs are shifting towards a great workplace strategy.”

This year’s NorthCoast 99 winners will be honored at a recognition dinner September 24th at Executive Caterers at Landerhaven in Mayfield Heights drawing more than 800 guests.

ABOUT 1 EDI SOURCE, INC.
1 EDI Source, Inc. is the leading provider of EDI software and SaaS solutions designed to help organizations transform business-to-business operations. For more than 25 years, companies ranging in size from startups to Fortune 500 corporations in various industries have come to rely on 1 EDI Source for innovative, easy-to-use software and cloud-based solutions to improve customer relationships and drive operational excellence. To learn more, visit http://www.1edisource.com.

ABOUT ERC
ERC is the area’s leading professional services organization dedicated to HR. Services provided by ERC include compensation surveys, HR help desk, HR and workplace compliance information, employee and management training, HR consulting and health insurance for small and mid-sized businesses. NorthCoast 99 is made possible by the following sponsors: ADP, Anthem, Career Curve, Frantz Ward, Gino’s Awards, Inside Business, Oswald and Staffing solutions. To learn more, visit http://www.yourerc.com. Reported by PRWeb 20 hours ago.
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