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ANY LAB TEST NOW® Launches Health Care Reform Microsite

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Lab Testing Services Company Launches Website to Help Patients Navigate ACA

Alpharetta, Ga (PRWEB) December 02, 2013

The Affordable Care Act will take widespread effect on Jan. 1, 2014 and brings with it many changes to the ways Americans will acquire and maintain their health insurance. In response, ANY LAB TEST NOW® has launched its Health Care Reform & You Education Site to help patients navigate their options related caring for and managing their families’ health.

“Many people are confused about what the Affordable Care Act means for them and their families,” said Terri McCulloch, Vice President, Sales and Marketing of ANY LAB TEST NOW. “With the Health Care Reform & You Education Site we can help our customers navigate these new options, better understand how to budget for their medical expenses under the new healthcare requirements, consider new ideas such as telemedicine services, and give them a place to obtain the best lab testing services for the least amount of money.”

The Health Care Reform & You Education Site will be dedicated to keeping users informed on the latest changes in health reform in a simple and concise format that avoids confusing medical language in favor of straightforward explanations. Along with quick facts, resources and articles, the site will also provide information on ANY LAB TEST NOW’s options for quick and affordable lab testing service for users who will already be paying out of pocket, either due to high deductible insurance or use of their Health Savings Account (HSA).
To learn more about ANY LAB TEST NOW®, visit http://www.anylabtestnow.com.

About ANY LAB TEST NOW®
Founded in 1992, ANY LAB TEST NOW® is a franchise direct access lab testing company that provides thousands of standard lab tests to consumers and businesses in a professional, convenient and cost-effective, transparent manner. With over 150 facilities around the U.S., ANY LAB TEST NOW® offers a variety of affordable and confidential lab tests to consumers and businesses including general health and wellness panels, pregnancy, HIV/STD, drug, paternity and many more tests. To learn more about ANY LAB TEST NOW®, visit our website or like us on Facebook. Reported by PRWeb 6 hours ago.

HSA for America Offering Tax-free Health Insurance Reimbursement Plans (THIRPs) for Employee Individual Plan Premiums

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HSA for America announces its exclusive alternative to the ACA’s high-cost group plans; employees still receive health premium reimbursement without losing tax credit eligibility.

Fort Collins, CO (PRWEB) December 02, 2013

HSA for America has established an exclusive alternative to the Affordable Care Act’s employer-based group health plans called a Tax-free Health Insurance Reimbursement Plan (THIRP).

A THIRP is a defined-contribution benefit option that allows employers to assist their employees with the payment of individual health insurance premiums. Employers can make a monthly contribution to reimburse employees’ premium payments, as a tax-free fringe benefit.    

“The advantage of a THIRP is that each employee can enroll in the individual health plan of their choosing, while employers can control their monthly costs at a predictable rate,” explains HSA for America founder Wiley Long.    

“We’re excited to offer this alternative for business owners who are unwilling to accept the higher costs of Obamacare plans, or who don’t want to make their employees wait for the 2015 launch of the Small Business Health Options Program,” Long continues. “A THIRP gives businesses greater control over their health care budgets, and employees have more freedom to choose individual plans without losing eligibility for tax credits.”

Since a THIRP is not an insurance plan, employees, their spouses and dependents still have the option of applying for health tax credit subsidies under the Affordable Care Act—an option not afforded to those covered by employer-sponsored insurance policies. In addition, a THIRP does not increase an employee’s taxable gross income under section 105 of the IRS tax code.

An independent insurance advisor for 25 years, Long advocates tax-favored health savings accounts (HSAs) for his clients to best manage their health care expenses. “Employees who receive THIRP benefits can enroll in an individual HSA-qualified health plan to build security for out-of-pocket expenses and reduce their taxable income to better qualify for health tax credits.”

HSA for America co-founder Fred Adams will be hosting an informative, free webinar on December 3, 2013, that will elaborate on the benefits of THIRPs. Click Here to register for this webinar.

About HSA for America

As one of the nation's leading independent HSA advisories, HSA for America has earned a reputation for providing superior educational resources covering the health care industry for individuals, families and small businesses. With its comprehensive website, the public can evaluate high-deductible health insurance plans that allow them to establish an HSA and comply with the health care reform mandate.

Consumers may access HSA for America’s instant quote engine and obtain online applications, or request individualized assistance from experienced, licensed HSA for America Personal Advisors. Confidential consultations regarding HSA plans may be arranged by calling 1-866-749-2039 from 9 a.m. through 11 p.m. Eastern. Reported by PRWeb 6 hours ago.

Administration says health care site working well

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There is a "night and day" difference between HealthCare.gov on October 1 and the same site on December 1, Jeff Zients, the top administration official responsible for improving the problem-plagued Obamacare enrollment site, said Sunday on a conference call with reporters.

Zients and Julie Bataille, spokeswoman for the federal agency charged with developing and operating HealthCare.gov, said the website now works "smoothly for the vast majority of users." The administration said the site can now handle 50,000 concurrent users and 800,000 consumer visits a day -- two capacity goals for the portal that date back to its launch two months ago. And Bataille said the site was now allowing "in the zone of 80%" of users to successfully complete a health care enrollment.

In short, after a concerted effort to improve HealthCare.gov, the administration said Sunday that the online Obamacare enrollment portal now essentially meets all of the previously stated goals for the website.

A day after the administration's self-imposed deadline for improving the website, Zients detailed the turnaround efforts he's been leading. Work has fallen into three broad categories: creating a new management structure for the site to improve decision-making and accountability; putting in place hardware upgrades to increase the system's "redundancy, reliability, and scale"; and compiling a prioritized "punch list" of bugs and software improvements -- 400 of which had been completed by Sunday.

Prior to the turnaround effort, Zients said, management of the enrollment site had been plagued by slow decision-making and a lack of accountability. These issues were addressed by creating a new management structure led by general contractor QSSI, which was tapped to oversee the site's operations, and the creation of a 24-hour, rapid response team that constantly monitors the site and the experience users are having on it.

These management changes were intended, Zients said, to give the government-run website "the velocity and discipline of a high-performance private sector company."

On the hardware front, Zients said improvements have been made to the registration database, which plays a part in the front-end experience consumers have using the site; new servers and upgraded memory have been added; additional "application environments" are now online; and the system's firewall has been upgraded.

These changes have made "the underlying infrastructure of HealthCare.gov much stronger today," Zients said, adding that some of the critical upgrades were completed as late as Friday evening, when the site was down for 11 hours for maintenance as this weekend's deadline approached.

Zients likened the effect of the hardware upgrades to widening a highway's on-ramp, effectively taking the site from two lanes to four.

On the software front, Zients said 50 of the bug fixes completed during the turnaround effort had been done "just last night" during another period of maintenance. Going forward, Zients anticipates there will still be other bugs and software fixes for the rapid response to handle.

All these changes have made a noticeable difference in HealthCare.gov's operating metrics, Zients said.

The site's average response time -- the average time it takes for the system to respond to an action by a user -- is down from eight seconds to under one second in the past three weeks, said Zients. The site's average error rate is also down, according to Zients, with the system hitting a rate of 0.75% on Friday. And the system's "uptime," a measure of system stability, is consistently surpassing 90%.

Zients said the creation of the rapid response team means necessary fixes can now usually be made within an hour instead of the hours it used to take.

"We've doubled the system's capacity and the site can now handle its intended capacity," explained Zients, summing up the net effect of the turnaround effort he has led.

This means that two months after it originally launched, HealthCare.gov can now handle 50,000 concurrent users and 800,000 consumer visits a day.

If more than 50,000 people attempt to use the site at any one time, the site now has a queueing feature that will e-mail users with tips about when to return to the site at a less congested time and a link that will take them to the front of the line. "Nothing like this (was) in place" in October, Zients said Sunday.

With all the recent improvements, administration officials conceded Sunday that there is still work to be done.

"As with any website, the team will continue to address bugs and glitches," Zients said.

In addition, work on the back end of the site, which is of critical importance to insurance companies issuing policies to consumers, still needs to be completed.

The administration is still working with insurers on the "834" transaction forms generated by the system, said Bataille. "We're working with issuers on a daily basis and will continue those conversations," she said, adding that the site's management team would have more information about this issue with the data generated by the system on upcoming weekdays.

"There are still a number of problems with the back-end systems," Robert Zirkelbach, spokesman for health insurance industry trade association group America's Health Insurance Plans, said in a statement to CNN. "Insurers are still getting enrollment files that are duplicative and have missing or inaccurate information. In some cases they are not getting the enrollments at all."

As the administration's self-imposed deadline for improving the troubled site has come and gone over the weekend, Republicans on Capitol Hill have been unusually quiet, after months of frequent criticism of HealthCare.gov and of broader changes to the health insurance market taking effect because of Obamacare.

Top House Republicans took issue Sunday primarily with Obamacare's changes to the insurance market rather than with the enrollment site's troubled history.

"This isn't just about a broken website, it's about a fundamentally-flawed law," Michael Steel, spokesman for House Speaker John Boehner, said in a statement. "Whether or not Americans can logon to Healthcare.gov, they are losing the health plans they like, the doctors they've always relied on, and -- to add insult to injury -- facing higher costs as well."

A spokesman for House Majority Leader Eric Cantor had a similar message.

"Millions of Americans being informed that the health care plans they liked are being canceled -- despite the President's repeated assurances otherwise -- and being forced to pay higher premiums, deductibles, or both, are a much greater priority than a broken website," Cantor Deputy Chief of Staff Doug Heye told CNN.

"Besides," added Heye, "based on past performance, it would be prudent to wait before determining that the website truly is fixed."

Comments from Steel and Heye echoed those of Sen. John Thune, R-South Dakota, just a day earlier.

Thune, who chairs the Senate Republican Conference, argued Saturday that Americans will continue to face problems with Obamacare's reforms "(r)egardless of whether the website is fixed by the administration's revised deadline."

"These are problems that no IT specialist working through the Thanksgiving holiday can fix," he added. Reported by Click Orlando 3 hours ago.

White House Confident Insurance Website Up to Par

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In this, the first week of December, the Obama administration says it has met its self-imposed deadline of fixing the troubled healthcare.gov web site. And it says people should be able to sign up for health insurance. So, is it fixed and when will we know for sure? Reported by NPR 4 hours ago.

White House Confident Insurance Website Is Working Better

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In this, the first week of December, the Obama administration says it has met its self-imposed deadline of fixing the troubled healthcare.gov web site. And it says people should be able to sign up for health insurance. So, is it fixed and when will we know for sure? Reported by NPR 3 hours ago.

Hemodialysis Industry for Global and China 2013 Analysis in New Research Report at ChinaMarketResearchReports.com

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ChinaMarketResearchReports.com adds “Global and China Hemodialysis Industry Report, 2012-2013” latest report to its store.

Dallas, TX (PRWEB) December 02, 2013

Hemodialysis is also regarded as artificial kidney, a kind of blood purification targeting mainly at the treatment of renal failure patients. In 2011, the global dialysis population hit 2.158 million, a year-on-year increase of 6.4%. And the growth rate is estimated to maintain around 6% in the upcoming years, with the targeted figure by 2020 soaring to roughly 3.8 million.

In 2011, the dialysis population concentrated in Europe, Americas and other developed regions. However, with the widening coverage of medical insurance in developing countries as well as increasing national income, the dialysis population in China, India, Brazil and other developing countries are on the rapid rise, with the growth rate more than 10%.

Complete report is available @ http://www.chinamarketresearchreports.com/78284.html.

The global hemodialysis market consists of hemodialysis service and hemodialysis equipment. In particular, the hemodialsysis service market embraces larger size, making up 85% or so.

In 2011, the global hemodialysis service market size approximated USD62.5 billion. In Europe, the hemodialysis service is widely offered by public institutions, while hemodialysis service market is dominated by privately-run organizations in the US and Japan. At present, companies offering hemodialysis service worldwide include Fresenius Medical Care, DaVita. etc, and both of Fresenius and DaVita have catered to roughly 370,000 patients all together in 2011.

Global hemodialysis equipment market characterizes high concentration, with European, American and Japanese enterprises as leading players. In 2011, the world’s top 3 hemodialsis equipment producers covered Germany-based Fresenius Medical Care, America-based Baxter International and Sweden-based Gambro. Among the three, Fresenius Medical Care is not only the world’s largest manufacturer of hemodialysis equipment, but also the largest hemodialysis service provider catering to over 233,000 renal patients. In addition, Baxter International is the biggest peritoneal dialysis equipment maker in the world.

In 2012, there were approximately two million end-stage renal disease patients in China. However, since the medicare reimbursement ratio in China was relatively low, only 10% sufferers could afford to receive hemodialysis treatment. With the health insurance coverage widening in phases, the ratio is expected to see big surge in the future.

China is heavily reliant on the import of hemodilysis equipments, with the market occupancy of the imported from Fresenius Medical Care, Gambro and so forth approximating 75% in 2012. There is a small number of homegrown hemodialysis equipment producers in China. A few of hemodialysis machine makers include Guangzhou Jihua Medical Apparatus and Instruments, Chongqing Duotai and Chongqing Shanwaishan Science and Technology, while dialyzer producers comprise Shandong Weigao Group Medical Polymer Company Limited, Jiangsu Lengthen Life Science and Technology, etc.

Given the huge potential in Chinese hemodialysis market, several listed companies have tapped into the field, including Huaren Pharmaceutical Co., Ltd, Guangdong Biolight Meditech and Sichuan Kelun Pharmaceutical Co., Ltd. In particular, Huaren Pharmaceutical Co., Ltd introduced its peritoneal dialysis products in the market in a large scale in 2012Q3; Guangdong Biolight Meditech took over Tianjin Ever -Trust Medical Equipment Development to access into hemodialysis consumable field, and purchased Chongqing Duotai to gain blood dialysis machine & medical instrument registration certificate, and Sichuan Kelun Pharmaceutical Co., Ltd projected more capital to Chengdu Qingshan Likang Pharmaceutical and set foot in peritoneal dialysis field.

The report highlights the following:·     Global hemodialysis population and distribution;
·     Current development, competition pattern and development tendency of global hemodialysis equipment and service market;
·     Market scale, competitive landscape, import & export and development prediction of Chinese hemodialysis industry;
·     Global and China hemodialysis equipment market segments and competition pattern;
·     Operational analysis, hemodialysis business and development forecast of global and China’s 17 industrial players.

Purchase a copy of this report @ http://www.chinamarketresearchreports.com/contacts/purchase.php?name=78284.

Browse more reports on Life Sciences Industry @ http://www.chinamarketresearchreports.com/cat/life-sciences.html.

About Us:
ChinaMarketResearchReports.com (http://www.chinamarketresearchreports.com/) is an online database of market research reports offers in-depth analysis of over 5000 market segments. The library has syndicated reports by leading market research publishers across the globe and also offer customized market research reports for multiple industries. Reported by PRWeb 3 hours ago.

Missouri Health Centers to Help Residents Enroll in Affordable Insurance

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Certified counselors will be on duty at Community Health Center of Central Missouri in Jefferson City, Fulton, Linn and California to discuss options and explain discounts now available.

Jefferson City, MO (PRWEB) December 02, 2013

Community Health Center of Central Missouri (CHCCM) will join nearly two dozen clinics throughout Missouri in a campaign to help residents enroll in affordable health coverage through the new Health Insurance Marketplace.

“Stop, Shop and Enroll” is a weeklong event designed to make choosing a health insurance plan as easy as possible. From Dec. 2 to Dec. 7, CHCCM will sponsor an enrollment fair to help residents without access to job-based insurance find the insurance plan that is right for them.

Trained counselors will be on hand to guide people through the online application process. Counselors can help with setting up an account, filling out the application and choosing a health plan that meets the family’s needs and fits the budget. Most people will be eligible for discounts that make insurance affordable at nearly every income level. A pre-existing health condition will not result in ineligibility.

People interested in enrolling at a local health center should call the clinic for an appointment. Callers should specifically request to speak to a counselor about applying for health insurance coverage. Counselors will be available at these times (other days/times may be available by request):·     CHCCM Jefferson City, 3400 W Truman Boulevard, Monday Through Friday 8 a.m. to 5 p.m.
·     CHCCM Fulton, 561 Commons Drive, Tuesday Dec 3 8 a.m. to 5 p.m.
·     CHCCM California, 104 N Gerhart Road, Friday Dec 6 8 a.m. to 5 p.m.
·     CHCCM Linn, 1016 E Main St., Monday Dec 2 8 a.m. to 5 p.m.

Applicants should bring information about family members who will be covered and documentation of income. More information is available at http://www.Healthcare.gov.

To have insurance coverage in effect on Jan. 1, an insurance policy must be enrolled in by Dec. 23. Enrollment is still possible after that date, but insurance coverage won’t take effect until Feb. 1 or later. Nearly all Americans are required to carry health insurance beginning next year or pay a tax penalty.

To avoid that penalty, people can Stop, Shop, and Enroll -- Stop by CHCCM. Shop for a health plan. Enroll in coverage that puts health care within reach.

For questions, please contact the CHCCM enrollment department at 573-632-2777 ext 8053.

About the company:

Established in 1995, the Community Health Center of Central Missouri strives to provide the primary healthcare needs of the residents of central Missouri. Since the establishment in 1995, CHCCMO has grown to include four locations: Jefferson City, Fulton, California and Linn. Community Health Center of Central Missouri offers preventative, functional, restorative and emergency dental care for patients of all ages. They believe in primary care for the whole family and every family. Reported by PRWeb 2 hours ago.

You’re the Boss Blog: How I Found a Surprisingly Good Health Plan

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A small-business owner tries to figure out precisely how many health insurance plans he has to choose from. Are we talking tens? Hundreds? Thousands? And in the process, he finds one he likes. Reported by NYTimes.com 1 hour ago.

Zane Benefits Publishes New Information on Basic Health Insurance Terms

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There are Four Health Insurance Terms All Americans Need to Know - But Don’t

Park City, UT (PRWEB) December 02, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on basic health insurance terms.

According to Zane Benefits’ website, with the individual mandate, an increase in consumer driven health plans and defined contribution, and the new health insurance exchanges, more consumers than ever will be in the driver's seat with health insurance. While the Affordable Care Act aims to make buying health insurance easier and more transparent, Americans still need to have a base understanding of how insurance works.

Here are the four health insurance terms all Americans need to know.

1. Deductible

The deductible is the amount you must pay for covered services before your health insurance begins to pay. Typically, plans with lower deductibles offer more comprehensive coverage but have higher premium costs.

2. Co-pay

A co-pay, or copayment, is a flat dollar amount you will pay your healthcare provider for a covered service. Copayments vary from plan to plan and are sometimes different depending on the type of covered service received.

3. Co-Insurance

Co-insurance is the percentage of allowed charges for covered services that the customer required to pay. Typically, plans with lower co-insurance have higher premium costs.

4. Out-of-Pocket Maximum

An out-of-pocket maximum is the maximum amount of money paid for covered services during a benefit period. The out-of-pocket maximum never includes the premium, balance-billed charges, or services the health insurance plan doesn’t cover. The out-of-pocket maximum will vary from plan to plan but can include copayments, deductibles, and co-insurance.

Click here to read the full article.

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About Zane Benefits

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

Fringe Benefit Group Celebrates 30 Year Anniversary of Providing Valuable Benefits to Government Contractors and Part-Time Employees

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During its 30 year history, Fringe Benefit Group has expanded its capabilities and offering to its position today as the leading provider of government contractor health and retirement plans. Drawing on its expertise in the prevailing wage segment, Fringe Benefit Group has also emerged as a leader in voluntary group benefit plans designed for America’s fast growing part-time workforce.

Austin, TX (PRWEB) December 02, 2013

Since its founding in Austin in 1983, Fringe Benefit Group and its affiliate companies have helped thousands of employers design and administer benefit programs. During its 30 year history, the company has grown significantly and expanded its capabilities and offering to its position today as the leading provider of government contractor health and retirement plans. Drawing on its expertise in the prevailing wage segment, Fringe Benefit Group has also emerged as a leader in voluntary group benefit plans designed for America’s fast growing part-time workforce.

Today, Fringe Benefit Group employs more than 100 people and has relationships with many of the nation’s leading carriers, including Nationwide, Transamerica, United Healthcare, Ameritas, Kaiser Permanente, MetLife, Independence Holding Company, and several Blue Cross Blue Shield members. Since its beginning, Fringe Benefit Group has focused on marketing and distributing its products through a growing national network of more than 600 brokers and agents.

Contractors bidding on public sector jobs understand that in order to win bids they need to maximize efficiencies, reduce costs and maintain compliance. Fringe Benefit Group’s prevailing wage product, The Contractors Plan, helps government contractors, like those working on Davis-Bacon and Service Contract Act jobs, stay compliant with government regulations and bid more competitively while providing quality benefits to their employees. As the first company to offer benefit plans for prevailing wage workers, Fringe Benefit Group is highly skilled at understanding, recommending and implementing retirement and ACA-compliant health plan options for government contractors.

Healthcare reform and the Affordable Care Act (ACA) have greatly changed the benefits landscape for all companies, but especially those employing part-time workers. Fringe Benefit Group’s Framework product provides a solution for employers with variable workforces via an easy to implement insurance platform for part-time workers. Framework offers a best-in-class supplemental benefit product, including inpatient supplemental, outpatient supplemental, dental, vision, critical illness, short-term disability, life insurance, and accident plans, along with unmatched communication and enrollment services. Its billing and premium payment options take the place of outsourcing enrollment and billing companies, enabling Framework to deliver better benefits at a lower cost, which provides a powerful solution for employers with part-time employees. Framework customers include many of the nation’s leading restaurant, retail, hospitality and staffing companies.

“We are proud to be celebrating our 30th year in business in Austin. During that time we’ve helped thousands of hourly and part-time workers get the most out of their benefits, while providing employers with a robust benefit solution,” said Travis West, CEO of Fringe Benefit Group. “When my father founded the company in 1983, he saw an opportunity to help contractors bidding on government jobs save money and bid more competitively while providing their employees with the means to save for their retirement. He successfully grew our relationships with brokers and carriers, expanded our prevailing wage product offering and added administration capabilities. This strategy was directly responsible for our early growth,” said Travis West, CEO of Fringe Benefit Group. “Since then, we’ve grown our product line to include a robust lineup of benefits for America’s part-time workforce. We are working with many of the nation’s leading carriers to serve thousands of U.S. companies, who are looking to us to help them understand ACA and its impact on their business.”

Beginning in 2014, all individuals will be required to have health insurance and those who do not will be penalized. For government contractors working on jobs subject to prevailing wage laws, the funds to pay for health insurance coverage are usually included in the wage determination for each job classification. By offering a prevailing wage benefit plan, such as The Contractors Plan, business owners can establish pre-tax accounts, have stronger purchasing power and simplify the entire process for their employees. There are also recruiting and morale benefits to consider, since many employees would prefer to work for a company which offers benefits and most employees would prefer to purchase coverage from their employer rather than figuring it out on their own with after tax dollars.

And although employers will not be required to provide ACA-compliant health insurance to their part-time employees, supplemental and voluntary benefits are valuable to employers who are looking to maintain their workforce. Voluntary offerings purchased through the employer provide several advantages over purchasing insurance as an individual, including better pricing, underwriting and access than individuals may find on their own. Employers who recognize this opportunity will be better positioned to attract and retain part-time employees. The Framework team works closely with brokers to customize plan design, pricing, communication, implementation, and enrollment to meet their customers’ individual needs. Framework provides employers with a unique billing and premium payment options, communication and enrollment services, and best-in-class benefits package. Framework benefits are specifically designed for employers looking for a plan that is easily administered, flexible, and affordable.

About Fringe Benefit Group
Austin, Texas-based Fringe Benefit Group and its affiliate companies have helped employers since 1983. For more information about Fringe Benefit Group's products, visit http://www.fbg.com, http://www.thecontractorsplan.com and http://www.frameworkbenefits.com. Reported by PRWeb 21 hours ago.

Experient Health Explains Adoption Benefits In Latest Blog Post in Living Well and Health Care Reform Series

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On average, more than 100,000 children are adopted annually in the United States. Some employers offer adoption assistance as a voluntary benefit to help families afford the adoption process.

Richmond, VA (PRWEB) December 02, 2013

On average, more than 100,000 children are adopted annually in the United States, Experient Health wrote in its latest post in a Blog series on health care reform, insurance options and healthy living.

Adopting a child can cost anywhere between almost nothing and more than $40,000.

"While no one can truly put a price on having a child, the cost of adoption can be difficult to overcome," Experient Health wrote. Experient Health is the health insurance arm of the Virginia Farm Bureau, headquartered in Richmond, Va. "Some employers offer adoption assistance as a voluntary benefit to help you afford the adoption process.

Adoption assistance benefits can include advice and help with paperwork, time off while bringing the child home, reimbursement for adoption-related costs or other types of assistance.

"Employers that offer adoption assistance benefits understand the importance of supporting their employees who choose to adopt," Experient Health wrote. "Employers typically design their adoption assistance benefits similarly to the benefits they provide for new biological parents, particularly regarding parental leave policies."

Adoption assistance benefits come in many forms, but the benefits can be generally categorized into information resources, financial assistance and parental leave.

"The adoption process can be fraught with complicated rules, processes and paperwork," according to Experient Health. "Information resources from your employer can help you navigate the adoption process. This assistance may include access to an adoption specialist who can answer questions or provide special support for more difficult adoption situations. Other resources may include recommendations for licensed adoption agencies, support groups and organizations."

Financial assistance can help cover adoption expenses like public or private agency fees, court costs, legal fees, foreign adoption fees, home study charges, medical costs, temporary foster care charges, transportation and traveling costs, pregnancy costs for a birth mother and counseling fees associated with child placement and transition.

Financial assistance for adoption could be provided in the form of a single payment to assist with the adoption—usually an amount between $1,000 and $15,000. Assistance might also be provided through reimbursement for adoption-related fees and expenses.

According to the Family and Medical Leave Act (FMLA), companies with 50 or more employees are required to provide both mothers and fathers up to 12 weeks of unpaid leave for the birth or adoption of a child.

Companies that offer adoption assistance benefits may offer additional parental leave, or they might provide paid parental leave or a combination of paid and unpaid time off.

For more information on adoption assistance benefits, follow the Experient Health Blog.

ABOUT EXPERIENT HEALTH:

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

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

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

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

Learn more at http://www.experienthealth.com. Utilize the online health insurance quote calculator or contact a consultant directly at 855.677.6580. Reported by PRWeb 21 hours ago.

CNN’s Sanjay Gupta: Will Expanding Health Insurance Make Americans Less Healthy?

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CNN’s Sanjay Gupta: Will Expanding Health Insurance Make Americans Less Healthy? CNN medical reporter *Sanjay Gupta* appeared on the news network on Monday to offer a challenging and controversial opinion: does increasing access to health insurance make Americans less healthy? He answers, with a few caveats, yes. Reported by Mediaite 19 hours ago.

Group Uses Quirk Of Michigan Law To Push Abortion Insurance Restriction

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Basic insurance coverage for abortions could soon be banned in Michigan, even without support from Republican Governor Rick Snyder.

A petition seeking to enact a law that would restrict abortion coverage was certified Monday. Spearheaded by the No Taxes For Abortion Insurance committee of Right to Life of Michigan, they received over 315,000 signatures from Michigan voters, with nearly 300,000 certified by the Michigan Board of State Canvassers. They needed 258,000.

If passed, the Abortion Insurance Opt-Out Act will require women to purchase separate riders to cover elective abortion, and abortions could not be covered under basic health care plans. Employers will be compelled to notify employees if they have purchase a rider.

In the bill language, abortions deemed necessary to avert the death of the woman and treatment for women who experience miscarriages and ectopic pregnancies are not considered "elective," and so could still be covered under basic insurance. There is no exception for rape or incest.

The Right to Life of Michigan group has in part posed the issue as a question of choice over how residents' money is spent.

“Michigan citizens do not want to pay for someone else’s abortion with their tax dollars or health insurance premiums," Right to Life of Michigan President Barbara Listing said in a statement Monday. "Abortion is not health care; abortion kills a living, developing human being.”

By law, federal and state funding can only be used for abortions in cases of life endangerment, rape or incest.

Critics of the legislation say it may cause problems for doctors and hospitals as well as women who may wish to have abortions, particularly those who are victims of a crime. You wouldn't be able to buy a rider after becoming pregnant to have an abortion covered, Meghan Groen, director of government relations for Planned Parenthood Advocates of Michigan, pointed out to RH Reality Check, a news site about sexual and reproductive health and justice issues.

“It’s not like, oh, I was raped and so now I’ll buy this rider," Groen said. "Nobody is anticipating being a victim of crime.”

Under a quirk of Michigan law, the petition allows for the act to be passed by a simple majority vote of the legislature without Snyder needing to sign. The law would also be referendum-proof.

"It’s unconscionable that Right to Life has launched a campaign against women’s rights by finding a loophole in the law and skirting a signature from the governor,” said Jessica Tramontana, communications director for liberal advocacy group Progress Michigan, in an October statement. “The president of Right to Life went as far as describing this extra insurance like buying coverage for a 'flood or a car accident.' Rape is not an accident."

If it does not pass, the measure will go to voters to decide and will appear on a statewide ballot next year. If so, the legislation could be nixed: In an August poll, public relations firm Lambert, Edwards & Associates found 50 percent of likely voters disapproved of the measure, while 42 percent approved, with a sampling error of plus or minus four percent. Six hundred voters were surveyed statewide.

But a majority of members of both the state House and Senate already signed the petition, according to the Detroit Free Press, and similar legislation was approved by legislators last year. It was vetoed by Snyder at the same time that he passed other legislation enforcing new regulations for abortion clinics and doctors.

"It just went too far," Snyder said last December about the bill he vetoed.

Eight states have laws that restrict private insurance coverage of abortion, according to the Guttmacher Institute, a research organization that advances sexual and reproductive health and rights.

The state House and Senate have 40 business days while in session to act on the measure. The legislature goes on winter recess on Dec. 12. Reported by Huffington Post 19 hours ago.

The Obamacare Website, Version 1.1

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The Obama administration just rolled out what could be called "version 1.1" of HealthCare.gov, the website set up as a health insurance exchange for Americans who live in states which didn't set up their own state-level exchanges. In the computer world, "version 1.1" normally means "the first bug-fix version" of a piece of software. After two months of nothing short of disaster, the White House is now confident that the website is ready for prime time. Mostly.

The next few weeks will prove them either right or wrong. But the interesting thing (if the website does work well) is that the political conversation may soon shift to a debate we should rightfully have had three or four years ago, but which has never adequately taken place: arguing the relative benefits and drawbacks of the Patient Protection and Affordable Care Act (the proper name of "Obamacare"), rather than the endless strawman arguments that have flooded the discussion from the get-go.

Before we get to all the politics, however, it is worth examining the remaining hurdles which must be cleared before HealthCare.gov (ver. 1.1) can be realistically called a success. December is going to be a critical month for the site, both in generating results and in the public's perception. Part of the problem with both of these is the way the White House decided to release the data. Understandably, they wanted people to take a longer view than the one in the media during the first month of the website's operation. To further this end, they decided to only release the sign-up numbers on a monthly basis (rather than weekly, or some sort of rolling total). To date, we have only had one set of hard data to examine. The October numbers were released in mid-November, and (as expected) they were pretty dismal. The November numbers will be released within a week or two, and they will likely be less dismal but still not very impressive. The website still had major problems throughout November, so this is also to be expected.

In October, a little over 100,000 people successfully signed up for new health insurance via the federal HealthCare.gov site and also through individual state sites (from states which set up their own). There's a leak of November data in the news today which shows (if accurate) that 100,000 people may have signed up through the HealthCare.gov site last month, which would roughly quadruple the number of people who did so in October. Scaling this up, perhaps the final November number (with the individual state data added in) will top 400,000. That's more impressive than the October number, but it's still far short of what is needed for success. Before the website launched, the estimate from a number of sources was that 7,000,000 people needed to sign up for health insurance on the exchanges in the first six months for the marketplace to work as designed. We are now two months in to that six-month period, and only an estimated 500,000 people have signed up. To put this another way, we're one-third of the way through the period and only one-fourteenth of the way towards the goal. What this means is that to hit that goal an average of 1,625,000 people must sign up in each of the remaining four months -- a tall order indeed, when compared to the first two months.

But this is, of course, somewhat of an unfair comparison. In October and November, the website wasn't working well (if at all). So millions of people decided it would be worth waiting until the website was up and running. In addition, many Americans are serial procrastinators, and wouldn't have signed up "until the last minute" anyway. There are two such "last minute" deadlines built into the system. One arrives in December, and the other comes at the end of March (the end of the initial sign-up period). The first is to sign up for health insurance so that you'll be covered on the first of January. The second is to sign up for health insurance by the final deadline so that you won't have to pay a penalty on your 2014 income tax form. The first deadline is important to people who actually have health insurance now and don't want to have any gap in their coverage. The second deadline is more important to the people who don't have health insurance yet, but are putting off actually buying it until the last minute. So there are two built-in "spikes" which should happen (as, indeed, happened in Massachusetts when Romneycare began).

The first of these spikes should be starting right about now. I predicted this traffic spike a few weeks ago, and warned that successfully handling even 50,000 simultaneous users might not be anywhere near enough capacity to meet the spike in demand. The 50,000 number was the original specification for the website, which may have been a very low guess when all the spike traffic is taken into account. The White House is reportedly a little worried about this now, as evidenced by their so-called "soft" rollout of version 1.1 of the website -- President Obama hasn't gone out and confidently invited all and sundry to use the site this week, because they are worried about all the pent-up demand from the two-month wait.

But they have at least come up with a pro-active solution. Whether it works or not is anybody's guess, at this point, but at least there is a built-in safety valve this time around. If the website is being overwhelmed, then everyone at the back of the line will be told to come back later, complete with a system to inform you when you will be at the front of the queue and not the back. This could work well, as anyone who has ever visited a deli can attest. Waiting in line will not require you to sit at your computer, constantly refreshing your screen, but instead being told "come back in X hours" or by an email which informs you "you're now at the front of the line, please log on." The fix may be slightly inelegant (compared to everyone being served at once), but it's a lot better than a frozen screen or an error message. We'll be able to see if this works well or not in the next week or two.

December will be a critical month for the website, one way or another. If the spike is handled well, then the number of people who have signed up will climb fast (even though we won't know that number until mid-January). If not, then Democrats will likely jump ship and join with Republicans to push back the implementation of the individual mandate for a year. This will, obviously, hand the Republicans a gigantic political victory. Not only will the website's woes (both versions 1.0 and 1.1) be a total laughingstock, but Republicans will gain exactly what they tried to shut the government down over -- a one-year extension of the full implementation of Obamacare. The secondary effect of this will be that they'll be able to campaign on it throughout the 2014 midterms, without much evidence to contradict whatever claims they feel like making about the program. Obamacare (at least for the campaign) will be reduced to a cheap laugh line.

On the other hand, if the website starts working well, then the conversation is going to pivot in a big way. Because if they don't have the website troubles to kick around any more, then Republicans are going to move on to picking apart individual aspects of the law itself (they've already shown indications of making this pivot). The stories of people "getting kicked off their insurance" are going to fade (as the same people will now be able to actually see their choices on the website, debunking a lot of the horror stories which have been circulating). But they will be replaced. Republicans have already been actively seeking stories of woe from people unsatisfied with some piece of Obamacare or another, and they will continue these efforts with a passion, well into 2014. They have doubled down on the "Obamacare cannot succeed" position, to be blunt.

But Democrats should take heart -- if the website works well in December -- because this will shift the entire debate onto political ground which isn't just more friendly to them but actually is tilted heavily in their direction. Because this will be the turning point to the discussion about what is actually in Obamacare, as opposed to the boogeyman stories Republicans have been telling for years. Republicans will no longer be able to get away with sweeping statements about how Obamacare will "end civilization as we know it" (or whatever strawman they're peddling), because hard data will soon exist to show this to be the nonsense it always was. Sarah Palin won't get much traction talking about how a "death panel" is going to vote on whether her baby is worthy enough to live or not, because Americans will be able to look around and see that this is nothing short of moose poop.

Republicans will adapt, of course. But they'll be adapting to reality this time. They'll bring up this aspect or that of Obamacare which is not working, and they'll demand it be changed. But they likely won't be talking about a "full repeal" of Obamacare any more, because that would mean denying health insurance to millions who have already signed up for the first time ever. "Repeal" will be replaced with "reform."

Which should be just fine with Democrats. Because there isn't a Democrat alive who would argue the position that "Obamacare is perfect, not a single thing can ever be changed in it." Democrats have always been open to the concept of making Obamacare work better, in fact. They may not agree with Republicans (or even among themselves) what "making Obamacare work better" means, exactly, but the hardline position of "it can't be changed, ever" doesn't even exist within the Democratic Party.

This is why the playing field will shift to one which favors Democrats. Democrats will be able to force Republicans to finally admit that there are good things contained within Obamacare. They've already shown signs of backing down on things like "pre-existing conditions" and children staying on their parents' insurance longer. One by one, the other positive aspects of Obamacare will become non-controversial for the sole reason that Republicans will see how popular they are, and then abruptly stop talking about them. Republicans will be reduced to nitpicking around the edges. Democrats can then feel free to speak of the good things which Obamacare has delivered (with plenty of their own examples to back such statements up), while showing flexibility on serious proposals for positive reform of the law. And if they're feeling feisty, Democrats can compile a list of talking points of all the evil things Republicans have fear-mongered upon in the past few years which have not come to pass.

Republicans are expecting and planning on campaigning on the idea that "Obamacare has failed in every way," but this could morph throughout the year to become "we have to fix these minor problems with Obamacare," which is not nearly as scary. Democrats, however, will have to make their own case as well -- they can't just sit back and ignore the issue. They'll have to repeat the good things about Obamacare at the start of any discussion, and then argue individual parts of the program on the merits. This shouldn't be hard, because this is the debate Democrats have wanted to hold all along. They've been waiting for the air to clear on all the fear-mongering and to discuss actual policy rather than boogeymen. Now will be their chance to finally do so. But since the "Obamacare must not be changed one tiny little bit" caricature of Democrats is a false one, individual Democrats will be able to easily say: "I'm glad that Republicans are finally focusing on positive changes and reforms we can make together, rather than just trying to destroy the law at all costs. I welcome such long-overdue reasonableness, in fact." This could tilt the issue in the 2014 campaign in a big way.

Of course, this assumes that version 1.1 of the Obamacare website has actually fixed the problems and that the site works well throughout December -- which is a fairly large assumption to make, at this point. Time will tell.

 

Chris Weigant blogs at:Follow Chris on Twitter: @ChrisWeigant
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  Reported by Huffington Post 15 hours ago.

Colorado health insurance site gaining steam

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Enrollment in Colorado's health insurance exchange and expanded Medicaid programs is ramping up steeply, according to totals released Monday, but the numbers are still far behind the exchange's projections. Reported by Miami Herald 11 hours ago.

Karl Rove slams Obama administration for 'happy talk' on ObamaCare woes

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Rove said the health care law has real problems other than its website, such as the millions of people who are losing their health insurance plans due to the law’s requirements. Reported by FOXNews.com 11 hours ago.

Obama To Push Health Care Website Relaunch In Tuesday Address

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Dec 2 (Reuters) - President Barack Obama will try to sell the American people on the relaunch of his troubled healthcare program on Tuesday in a bid to restore confidence in his signature domestic policy initiative and, more broadly, in his presidency.

Obama will speak on the healthcare program, formally called the Affordable Care Act, at 2:30 p.m. (1930 GMT) Tuesday, the White House said.

The rollout of the program through a government website, HeathCare.gov, has been plagued by technical problems since it was launched two months ago. But the White House said on Saturday after an intensive overhaul of the website that it was now working at an acceptable level.

"In his remarks, the President will discuss the ongoing work to strengthen the website and reach Americans seeking these new healthcare options," a White House official said. "He will also focus attention back on the core principles of reform that have been lost in the attention on the website, and invoke the successes that are already flowing from the law."

Healthcare reform has been a cornerstone of the president's agenda since being elected in 2008 and has been a prize sought by Democratic presidents for decades. Yet the embarrassment of the website, which is crucial to enrolling the uninsured in health insurance plans, has undermined confidence not only in the Affordable Care Act, also known as Obamacare, but in Obama himself.

The overseer of the repair of HealthCare.gov, Jeffrey Zients, said on Saturday the website could now handle up to 50,000 people at a time and an estimated 800,000 visitors a day. The administration hopes that it can enroll 7 million people in insurance plans before a March 31 deadline. (Reporting By Mark Felsenthal; Editing by Christopher Wilson and Ken Wills) Reported by Huffington Post 9 hours ago.

Rethinking health care delivery in America

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Rethinking health care delivery in America A complex law, the Affordable Care Act (ACA) contains profound health insurance changes for employers, consumers and insurance companies. Reported by detnews.com 9 hours ago.

Health-law website is faster but still buggy

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The Obama administration this weekend touted technical fixes that will allow the health-insurance-marketplace website to accommodate more than 800,000 visitors each day seeking to purchase coverage. But although the repairs should allow more people to avoid the glitches and delays that prevented most users from browsing for insurance options, federal officials acknowledge that more fixes are needed before the website will offer a seamless experience. Reported by azcentral.com 7 hours ago.

Experient Health Launched New Blog Series to Further Help Families Understand Benefits

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The first post in the "Know Your Benefits" series highlights vision insurance and changes under the Affordable Care Act.

Richmond, Va. (PRWEB) December 03, 2013

Experient Health, the health insurance arm of the Virginia Farm Bureau, launched a new blog series this week to help the community better understand insurance benefits. In the first post of the "Know Your Benefits" series, Experient Health highlights obtaining vision insurance.

"Vision coverage is similar to regular medical insurance and is one of the voluntary benefit options commonly offered through employers," Experient Health wrote. "When you have vision insurance, you pay a premium and the insurance company will cover part or all of the cost for vision care."

Vision coverage is available in two basic types of plans - a vision benefits plan that is regular insurance coverage and a discount vision plan where the insured can choose to reduce vision costs without regular insurance coverage and pay for all vision care, but at a reduced rate.

Why consider vision insurance?

According to Gallup, approximately 70 percent of adult Americans report wearing some type of corrective lenses.

Regular eye exams can identify overall health concerns, such as diabetes, high cholesterol and risk of heart disease or stroke before you are even aware of any symptoms.

"Vision insurance generally provides coverage for basic care and eyewear," Experient Health wrote. "Most vision plans will also cover annual or biannual eye exams, including dilation, eyeglass frames, eyeglass lenses and contact lenses. Some plans may also cover other services, including laser vision care programs or even prescription protective eyewear."

Vision plans typically do not cover replacements for frames, eyeglass lenses or contact lenses, medical or surgical treatment, vision training or experimental vision services or treatments.

With vision coverage, the insured pays a premium or membership fee. Then, when you visit an eye doctor or purchase corrective lenses, the amount due is a reduced amount for services.

Eye exams will typically be covered at 100 percent or have a small co-pay, according to Experient Health.

Corrective lenses are usually covered with a copay or a maximum allotted amount per year.

The Affordable Care Act (ACA), also called health care reform, does affect some vision benefit plans.

"If your vision coverage falls under the new ACA rules, then the vision plan will have to cover adult children up to age 26, and lifetime and annual limits on coverage will be eliminated," according to Experient Health. "If the vision plan is of limited scope, then it is considered an excepted benefit and does not have to follow the new rules. Limited-scope plans include vision benefits provided under a policy separate from regular medical benefits, or vision benefits that are not an “integral part” of the group health plan."

Under the ACA, pediatric vision care is considered an essential health benefit. This means that vision coverage must be available for children under the age of 19. The ACA does not consider vision care an essential health benefit for adults, so vision care is not mandatory for individuals 19 years and older. Unlike medical insurance, there will be no penalty for not purchasing vision insurance. For further information on the ACA and vision insurance, visit http://www.dol.gov/ebsa/faqs/faq-aca2.html.

ABOUT EXPERIENT HEALTH:

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

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

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

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

Learn more at http://www.experienthealth.com, utilize the online health insurance quote calculator or contact a consultant directly at 855.677.6580. Reported by PRWeb 6 hours ago.
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