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Fully understand the IoT with this report

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The Internet of Things (IoT) Revolution is picking up speed and it will change how we live, work, and entertain ourselves in a million ways big and small.

From agriculture to defense, retail to healthcare, everything is going to be impacted by the growing ability of businesses, governments, and consumers to connect to and control their environments:

· “Smart mirrors” will allow consumers to try on clothes digitally, enhancing their shopping experience and reducing returns for the retailer
· Assembly line sensors will detect tiny drops in efficiency that indicate critical equipment is wearing out and schedule down-time maintenance in response
· Agricultural equipment guided by GPS and IoT technology will soon plant, fertilize and harvest vast croplands like a giant Roomba while the “driver” reads a magazine
· Active people will share lifestyle data from their fitness trackers in order to help their doctor make better health care decisions (and capture discounts on health insurance premiums)

No wonder the Internet of Things has been called “the next Industrial Revolution.” It’s so big that it could mean new revenue streams for your company and new opportunities for you. The only question is: Are you fully up to speed on the IoT?

Research analysts John Greenough and Jonathan Camhi of BI Intelligence, Business Insider's premium research service, spent months of researching and reporting this exploding trend and have put together a report on the Internet of Things that explains its exciting present and the fascinating future.

It covers how IoT is being implemented today, where the new sources of opportunity will be tomorrow and how 17 separate sectors of the economy will be transformed over the next 20 years, including:

· Agriculture
· Connected Home
· Defense
· Financial services
· Food services
· Healthcare
· Hospitality
· Infrastructure
· Insurance

· Logistics
· Manufacturing
· Oil, gas, and mining
· Retail
· Smart buildings
· Transportation
· Connected Car
· Utilities

 

If you work in any of these sectors, it's important for you to understand how the IoT will change your business and possibly even your career. And if you’re employed in any of the industries that will build out the IoT infrastructure—networking, semiconductors, telecommunications, data storage, cybersecurity—this report is a must-have.

Among the big picture insights you’ll get from *The Internet of Things: Examining How the IoT Will Affect The World*:

· IoT devices connected to the Internet will more than triple by 2020, from 10 billion to 34 billion. IoT devices will account for 24 billion, while traditional computing devices (e.g. smartphones, tablets, smartwatches, etc.) will comprise 10 billion.
· Nearly $6 trillion will be spent on IoT solutions over the next five years.
· Businesses will be the top adopter of IoT solutions because they will use IoT to 1) lower operating costs; 2) increase productivity; and 3) expand to new markets or develop new product offerings.
· Governments will be the second-largest adopters, while consumers will be the group least transformed by the IoT.

And when you dig deep into the report, you’ll get the whole story in a clear, no-nonsense presentation:

· The complex infrastructure of the Internet of Things distilled into a single ecosystem
· The most comprehensive breakdown of the benefits and drawbacks of mesh (e.g. ZigBee, Z- Wave, etc.), cellular (e.g. 3G/4G, Sigfox, etc.), and internet (e.g. Wi-Fi, Ethernet, etc.) networks
· The important role analytics systems, including edge analytics, cloud analytics, will play in making the most of IoT investments
· The sizable security challenges presented by the IoT and how they can be overcome
· The four powerful forces driving IoT innovation, plus the four difficult market barriers to IoT adoption
· Complete analysis of the likely future investment in the critical IoT infrastructure: connectivity, security, data storage, system integration, device hardware, and application development
· In-depth analysis of how the IoT ecosystem will change and disrupt 17 different industries

*The Internet of Things: Examining How the IoT Will Affect The World* is how you get the full story on the Internet of Things.

To get your copy of this invaluable guide to the IoT universe, choose one of these options:

1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> *START A MEMBERSHIP*
2. Purchase the report and download it immediately from our research store. >> *BUY THE REPORT*

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the fast-moving world of the IoT.

Join the conversation about this story » Reported by Business Insider 22 hours ago.

Big Obamacare Premium Increases Coming

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Health insurance companies are proposing huge increases in the premiums of healthcare plans obtained through the Affordable Care Act, The Hill reports. Reported by Newsmax 18 hours ago.

Union, owner of 6 Key Foods negotiate pension, health plans

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More than 425 union supermarket workers at six Key Food stores in Long Island and Brooklyn have been working without a contract as negotiations with the owner focus on proposed changes to their pension plan and health insurance, both sides said. Reported by Newsday 15 hours ago.

Milwaukee Journal Sentinel Names Health Payment Systems a Winner of the Southeast Wisconsin Area 2016 Top Workplaces Award

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HPS employees are aligned with mission to transform healthcare billing process

Milwaukee, Wisconsin (PRWEB) April 25, 2016

Health Payment Systems, Inc. (HPS) has been awarded a 2016 Top Workplaces honor by The Milwaukee Journal Sentinel. The Top Workplaces lists are based solely on the results of an employee feedback survey administered by WorkplaceDynamics, LLC, a leading research firm that specializes in organizational health and workplace improvement. Several aspects of workplace culture were measured, including Alignment, Execution and Connection, just to name a few.

"We're honored that HPS employees see the company as a place to build a rewarding, fulfilling career," said Terry Rowinski, COO of Health Payment Systems. "We're on a mission to transform the healthcare billing experience and our employees are fully aligned and energized by that mission. We have an extremely talented pool of employees, and their dedication to the customer experience allows HPS to be an industry leader. However, it’s their commitment to the community and each other that makes HPS a top workplace.”

“The Top Workplaces award is not a popularity contest. And oftentimes, people assume it’s all about fancy perks and benefits” says Doug Claffey, CEO of WorkplaceDynamics. But to be a Top Workplace, organizations must meet strict standards for organizational health. And who better to ask about work life than the people who live the culture every day — the employees.

Time and time again, research has proven that what’s most important to employees is a strong belief in where the organization is headed, how it’s going to get there, and the feeling that everyone is in it together. Claffey adds, “Without this sense of connection, an organization doesn’t have a shot at being named a Top Workplace.”

About HPS
Health Payment Systems (HPS) is a privately-held healthcare technology and services organization offering solutions to enhance the consumer healthcare billing and payments experience, while driving value to healthcare providers, health insurance companies and employers. Its patented solutions enable one statement, one payment and one place to call, making HPS the clear solution to healthcare confusion. HPS is led by CEO and President Jay Fulkerson, and to date has processed over $1 billion in claims. It is headquartered in Milwaukee, Wisconsin.

About WorkplaceDynamics, LLC
Headquartered in Exton, PA, WorkplaceDynamics specializes in employee feedback surveys and workplace improvement. This year alone, more than two million employees in over 6,000 organizations will participate in the Top Workplaces™ campaign — a program it conducts in partnership with more than 40 prestigious media partners across the United States. Workplace Dynamics also provides consulting services to improve employee engagement and organizational health. WorkplaceDynamics is a founding B Corporation member, a coalition of organizations that are leading a global movement to redefine success in business by offering a positive vision of a better way to do business. Reported by PRWeb 16 hours ago.

UPS Airlines mechanics plan to picket proposed health care cuts

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UPS Airlines mechanics say a contract proposed by United Parcel Service Inc. (NYSE: UPS) would significantly increase health care costs and do little to improve wages for its employees. The mechanics are represented by Teamsters Local 2727. In a news release, the union said attempts to negotiate a contract for workers have proven fruitless during the last month because of "vast differences" in positions related to health insurance benefits. "Teamsters Local 2727 has made it clear that our members… Reported by bizjournals 13 hours ago.

New York Insurers to Change Coverage of Hepatitis C Drugs

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Seven health-insurance companies in New York will change their criteria for covering costly drugs that cure chronic hepatitis C under the terms of agreements with the office of State Attorney General Eric Schneiderman. Reported by Wall Street Journal 9 hours ago.

Uber wants to help drivers find cheap gas and, maybe even, the bathroom

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Uber wants to help drivers find cheap gas and, maybe even, the bathroom Being an Uber driver gives you a lot of freedom as an independent contractor, but it also comes with a lot of headaches. 

Taxes are extra complicated to report. And there's no health insurance from the job, so you have to arrange that yourself.

Uber, though, is trying to position itself as a driver's best friend by focusing first on their basic needs.

And yes, that includes potty breaks. 

This week, Uber drivers will see a roll out of changes to their app, including a new gas finder feature. While the driver app normally shows the map of the city, including a honeycomb map of where prices are surging, the company is adding new gas icons that map out where drivers can stop to refuel. 

Each icon shows a recent gas price, thanks to a few strategic partnerships, so drivers know if driving a couple extra blocks will result in better gas savings. 

That's just the start.

The company is also working on other projects that could address some basic needs of its drivers.

Inspired by a hackathon project codenamed "Poober", Uber is exploring adding driver-friendly bathrooms to the map. This could then open the door to coffee shops and restaurants being added to the map. And all of these could be leveraged into partnerships, so Uber drivers get a discount in return for the company featuring the restaurant on the map. 

It's all part of a brewing war between ride-hailing companies as they fight over keeping drivers on the road. 

*The play for drivers*

There's no denying that Uber and Lyft tap their supply from the same driver set. In many cities, drivers are starting to drive for both — answering rides based on whichever phone pings them first.

It's turned even things like a driver's app into a war over features and ease of use. The more a driver likes using the app, the more likely they are to continue to use it, reducing driver churn for Uber and making rides more reliable. 

In October, Uber gave its driver partner app a face lift so drivers can quickly see how much they made after a ride or what feedback customers are giving them. (That feedback is anonymized and only given out in batches to drivers, so there's no fear of a driver reading your complaint as soon as you get out of the car.)

Yet, Uber needs the app to do more if it wants to stay in the competition — and win drivers back onto its side. Its rival Lyft has introduced things like partnerships with Starbucks, Express Pay for drivers to be paid faster, and discounts at gas stations.

While Uber has struck up similar partnerships, they've mostly been buried in a driver's email. This week, a new "driver rewards" section will also appear in the app so Uber's partners can easily access the discounts. 

Because Uber drivers are independent contractors, the company does have to be careful in how much information it gives them. For example, the health care section only links to Stride Health, which shows option for health plans. The company doesn't (and can't) mandate the drivers use it though.

A deal with AT&T and Verizon means drivers can get 20% off their data bill, even if it is a family plan. For Uber drivers who do more than 100 rides a month, Uber can also send them a fuel card to use and have it automatically deducted from their paycheck and include gas costs on their tax information. 

Also coming soon will be the Instant Pay option to get paid whenever you want to cash out. For now, this sends money to a specific GoBank debit card, but in early May, Uber will add the option of having it sent directly to a driver's debit card for a 50 cent fee. 

Small changes like Fuel Finder make a difference when a driver is in unfamiliar territory, and Uber is betting that these changes will increase its own rating among drivers. 

*SEE ALSO: It's ridiculous that Uber won't let people tip drivers from its app*

Join the conversation about this story »

NOW WATCH: How to find out your Uber passenger rating Reported by Business Insider 7 hours ago.

CaMedicare.com Responds to Medicare Part B Premium Increase for 2016

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CaMedicare.com, California's go to place for senior healthcare wants to prevent those turning 65 from making costly mistakes on their initial Medicare Part B enrollment and their Medicare plan selection.

Calabasas, Ca (PRWEB) April 26, 2016

For 2016 the standard premium for Medicare Part “B” has increased from $104.90 to $121.80. This can be substantially more depending on income. Larry Hurwitz, of CaMedicare.com says "I can’t tell you how many people I've talk to, who unnecessarily enroll in Medicare Part B because they think they have to. If you are enrolled in an employer medical insurance plan that offers excellent coverage then I encourage you to see how much is deducted from your paycheck and compare that to either a Supplement or Medicare Advantage Plan." Many people are unaware that they are entitle to a 8 month Special Enrollment Period allowing them to enroll in Medicare Part B once they leave there employer health plan without incurring a late enrollment penalty.

In spite of all the talk about reduction of funding for 2016 Medicare Advantage plans, Medicare beneficiaries can still enjoy rich benefits and zero premium plans in most Southern CA counties including Los Angeles, Orange, San Diego, Ventura, and Riverside. Northern Ca counties such as San Francisco have zero premium plans available and many other Northern Ca counties offer low premium options. Most of these plans include Prescriptions and are known as Medicare Advantage Prescription Drug Plans or MAPD's. MAPD plans are an excellent option for those whose doctors are part of the plans network or for those who are more open to choosing a new primary care doctor.

For those who need the freedom and flexibility of doctors than a Medicare Supplement may be the best avenue. In California, the premium for the most comprehensive and expensive supplement, Plan "F" ranges between $130 & $160 per month depending on the specific carrier and the county that one resides. If on the fence between a supplement and an advantage plan, then opt for the supplement. Unlike Medicare Advantage Plans that offer an Annual Election Period, Medicare Supplements Open Enrollment Period only lasts for 6 months starting on your 65th birthday.

Medicare Supplement's do not cover prescriptions, so a separate Prescription Drug Plan (PDP) offered by a private insurance carrier will need to be purchased. Most prescription Drug plans range between $20-$50 monthly.* Larry Hurwitz says "don’t choose a Prescription drug plan because your friend has it, it's the cheapest, or there isn't a deductible. If you're taking expensive medications, it's critical that you confirm that they're on the carrier’s formulary. Have your agent run a customized prescription drug report for you"

In today's day and age people turning 65 need to be more judicious with their dollar than ever and avoid making costly mistakes. To qualify for Medicare a beneficiary needs to have worked for 40 quarters (10 years) unless they can qualify under a spouses work record. With individual health insurance and employer health insurance increasing each year, Medicare is usually a breath of fresh air for those turning 65. Reported by PRWeb 4 hours ago.

PharmaPoint Releases Version 5.1 of XchangePoint Solution

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Integration with First Databank and Meducation Further Enhances Proprietary Platform

Birmingham, Ala. (PRWEB) April 26, 2016

PharmaPoint is proud to unveil XchangePoint, Version 5.1. The new release features integration with the FDB Cloud Connector™ from First Databank and Meducation® by Polyglot, as well as a new Emergency Department Management Console, improved performance of executive dashboards and reports, and improved usability of the Point of Care Management Console.

“Version 5.1 introduces enhanced workflow and functionality allowing for complete medication reconciliation support at admission or discharge,” says Sai Kand, PharmaPoint’s Senior Vice President of Software Engineering. “Coupled with our ability to access a patient’s complete medication fill history in seconds, XchangePoint’s medication reconciliation solution will reduce manual transcription errors and unreported drugs, while streamlining overall workflow.”

Integration with FDB Cloud Connector enables XchangePoint to provide medication reconciliation support and actionable alerts at the point of care.

“FDB is the most widely used and relied upon drug knowledge base in the United States,” says Kand. “We are excited to be able to partner with such a reputable organization to provide clients with state-of-the-art technology that improves overall patient care.”

Meducation is a cloud-based solution that produces medication instructions specifically designed for individuals that are “high risk” for not taking their medications correctly due to low health literacy, impaired vision and language barriers.

“Our Meducation solution enables providers to dynamically create fully personalized medication patient instructions in more than 20 languages,” says Lori McLean, Chief Operating Officer for Polyglot. “In order to make understanding how to take medications both intuitive and simple, the instructions are written on a fifth to eighth grade reading level with large font sizes, pictograms and videos. We are proud to integrate our solution with XchangePoint’s robust platform.”

About XchangePoint
XchangePoint is a target patient population health management system designed to connect the physician, pharmacy, health insurance companies and other clinical systems, utilizing integrated information to ensure better patient outcomes and satisfaction. This integration is key in order to provide effective bedside programs, medication reconciliation, post follow-up and coordinated transition care. The results are shown with real-time key metrics and actionable insights given back to executives and key personnel of the health system or hospital. XchangePoint is a proprietary Outcomes Collaboration Platform (OCP) designed and developed by PharmaPoint.

About PharmaPoint
PharmaPoint is an innovative pharmacy management and technology company, providing best-of-class solutions for hospitals, health systems and physician groups. PharmaPoint is focused on completing the care continuum, thereby improving patient health and satisfaction, reducing healthcare costs and providing a source of ancillary income. Recognized as one of the most innovative, inspiring and fastest growing private companies for both 2013, 2014 and 2015 by Inc. Magazine, PharmaPoint is currently managing pharmacies across the United States. PharmaPoint is headquartered in Birmingham, Alabama. For more information about our company, you can visit http://www.pharmapoint.com.

#### Reported by PRWeb 4 hours ago.

PCC Issue Brief Highlights Importance of Offering Propofol during a Colonoscopy Procedure

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Preventing Colorectal Cancer (PCC) has released the thirteenth issue brief in a series that underscores the importance of increasing U.S. colorectal cancer screening rates and highlights the obstacles and opportunities that influence efforts to achieve this goal. Issue brief #13, The Importance of Offering Propofol during a Colonoscopy Procedure, addresses the role utilizing the Gold Standard during a colonoscopy screening plays in increasing the rate of colorectal cancer screening.

Annapolis, MD (PRWEB) April 26, 2016

Preventing Colorectal Cancer (PCC) has released the thirteenth issue brief in a series that underscores the importance of increasing U.S. colorectal cancer screening rates and highlights the obstacles and opportunities that influence efforts to achieve this goal. Issue Brief #13, The Importance of Offering Propofol during a Colonoscopy Procedure, addresses the role utilizing the Gold Standard during a colonoscopy screening plays in increasing the rate of colorectal cancer screening.

The new issue brief explores the importance of providing a painless approach to a colonoscopy in order to reduce the patient fear factor, reduce the anxiety associated with the procedure and ultimately increase the rate of screenings.

PCC launched the issue brief series to educate key stakeholders on the importance of increasing screening rates among the U.S. population. The series is a compelling resource for physicians, patients, payors, public policy experts and others who can take action to make a difference and serve as champions for patient safety.

Previous issue briefs in the series can be found here. Topics include:· Colonoscopies Prevent Colon Cancer
· Preventing Colorectal Cancer: The Benefit of Propofol
· Health Insurers Should Cover Propofol Sedation
· Why We Need Pricing Transparency
· The Impact of Health Insurance Reform on Colorectal Cancer
· FDA Approves SEDASYS Device
· Take Advantage of the ACA Preventive Care Clause, Get Screened for Colorectal Cancer via Colonoscopy
· Drug Shortages Impact Colorectal Cancer
· Colorectal Cancer Screening: The Genetic Factor
· Young Adults Face Increased Risk of Colorectal Cancer
· Making an Informed Choice: Colonoscopy Screening Locations Explained
· The Importance of Offering Propofol during a Colonoscopy Procedure

“A cancer prevented is better than a cancer cured,” Steven J. Morris, MD, FACP, PCC board chair and president, Atlanta Gastroenterology Associates. “We hope the issue brief series will save lives by providing information and guidance needed to educate the public, policymakers and other key stakeholders regarding colorectal cancer screening.”

Those interested in more information may visit http://www.preventingcolorectalcancer.org to sign up to receive the issue briefs as they become available via email. The website also contains other valuable resources and information on colorectal cancer and prevention efforts.

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About Preventing Colorectal Cancer (http://www.preventingcolorectalcancer.org)
Headquartered in Annapolis, MD, Preventing Colorectal Cancer (PCC) preserves the tradition of safe, comfortable and quality-based medicine. PCC is a not-for-profit 501(c) 6 advocacy organization with the primary mission to educate both public and private stakeholders about the opportunities to reduce the incidence of colorectal cancer through promoting effective screening, prevention and care options for patients. Membership is open to all individuals and groups. Reported by PRWeb 3 hours ago.

ez1095 ACA Software Now Offers Accurate Paper Printing, Efile, & PDF Printing

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Latest ez1095 software is now available for accountants hired to process 1095 and 1094 forms for large companies. Test drive the 30 day no cost or obligation trial at http://www.halfpricesoft.com.

New York, NY (PRWEB) April 26, 2016

ez1095 software has been updated for accountants: It now allows for white paper printing, efile, pdf . printing, adding multiple accounts with no extra charge. ez1095 Affordable Care Act (ACA) software application from Halfpricseoft.com was updated per accountant requests.

“Adding multiple companies at no additional charge was added to the latest ez1095 ACA software application,” said Dr. Ge, the founder of Halfpricesoft.com.

The following businesses will need to file ACA forms:

Employers with 50 or more full-time or full-time- employees use ez1095 for preparing, printing, mailing efiling and submitting 1095-C and 1094-C forms.

Smaller, self-insured employers who must fill out the 1095-B and 1094-B transmittal forms to report the names, addresses and Social Security numbers of employees and family members who have coverage under their plans.

Anyone who supports these employers to meet their ACA-reporting requirements can use ez1095 to get the job done securely and accurately.

ez1095 software is compatible Windows 10, 8.1, 8, 7, Vista, XP and other Windows systems. Potential customers can download and try this software at no obligation by visiting http://www.halfpricesoft.com/aca-1095/form-1095-software-free-download.asp

The main features include but are not limited to :· Print ACA Form 1095-C, 1094-C, 1095-B and 1094-B on white paper for recipients and IRS with inkjet or laser printer.
· PDF print 1095-C and 1095-B recipient copies
· Efile version available at additional cost.
· Support unlimited companies.
· Support unlimited number of recipients.
· Print unlimited number of 1095 and 1094 forms.
· Fast data import feature
· Print Form 1095 C: Employer-Provided Health Insurance Offer and Coverage Insurance
· Print Form 1094 C: Transmittal of Employer-Provided Health Insurance Offer and Coverage Information Returns
· Print Form 1095-B: Health Coverage
· Print Form 1094-B: Transmittal of Health Coverage Information Return

Priced at just $195, ($295 for efile version) this ACA forms filing software saves employers time and money. To learn more about ez1095 ACA software, customers can visit http://www.halfpricesoft.com/aca-1095/aca-1095-software.asp

About halfpricesoft.com
Founded in 2003, Halfpricesoft.com has established itself as a leader in meeting the software needs of small businesses around the world with its payroll software, employee attendance tracking software, check printing software, W2 software, 1099 software and barcode generating software. It continues to grow with its philosophy that small business owners need affordable, user friendly, super simple, and totally risk-free software. Reported by PRWeb 3 hours ago.

Will Covered California Sell Health Coverage To The Undocumented?

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California legislators are attempting to clear the way for undocumented immigrants to buy health insurance through the state’s insurance exchange — potentially setting a national precedent. Reported by ajc.com 1 hour ago.

Beyond Making Ends Meet: Employers Strive to Help Employees Gain Financial Wellness and Stability

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Beyond Making Ends Meet: Employers Strive to Help Employees Gain Financial Wellness and Stability NEWARK, N.J.--(BUSINESS WIRE)--Employees say they are financially better off now than five years ago, but worry about making ends meet and whether their jobs are secure, according to a new Prudential Group Insurance employee benefits survey released today. Also top of mind are concerns about having appropriate health insurance, being able to save for retirement and being sure those savings will last as long as needed. Prudential Group Insurance is a business of Prudential Financial, Inc. (NYSE: Reported by Business Wire 22 hours ago.

Donald Trump Cherry-Picked Data About Insurance Rates Under Obamacare

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The following post first appeared on FactCheck.org.

Republican front-runner Donald Trump has repeatedly claimed, for months, that premiums under the Affordable Care Act are “going up 35, 45, 55 percent.” Trump cherry-picks insurers’ rate increases on the ACA marketplaces. The average premium increase was 8 percent for HealthCare.gov consumers between 2015 and 2016.

That figure, from the Department of Health and Human Services’ April analysis, reflects the fact that 43 percent of returning customers shopped around, choosing a different plan for 2016. A Kaiser Family Foundation analysis estimated that if those with the lowest cost silver plan in 2015 stuck with the same plans — even though in many cases a different plan in 2016 was now the lowest cost — their premiums would have gone up 15 percent on average. That’s still much lower than the figures Trump cites.

Tax credits for those earning between 100 percent and 400 percent of the federal poverty level bring the actual premiums paid down. HHS reports that 85 percent of those buying a plan on the HealthCare.gov marketplaces in 2016 qualified for tax credits and saw a jump in premiums of 4 percent or $4 per month on average.

There was wide variation in premium changes for the ACA marketplace plans in 2016. Trump uses figures from increases on the high-end of the spectrum, but he could just as easily cherry-pick some of the large decreases in certain plan premiums — decreases of 10 percent, or more than 20 percent.

For instance, insurance plans in Washington state had approved rate increases for 2016 that ranged from a drop of 22 percent to an increase of 30 percent. In Indiana, one insurer’s plan lowered premiums by 18 percent, while another raised a plan’s premium by nearly 14 percent. The rate requests and approvals for insurer plans in state and federal marketplacesare available on the HealthCare.gov website.

-*A Months-Old Claim*-

We checked this claim from Trump way back in June 2015, when he made it during his speech announcing that he was running for president. Then, Trump said that “costs are going for people up 29, 39, 49 and even 55 percent.”

He used similar figures again in late October on ABC’s “This Week,” and recently made the claim in an April 19 speech after winning the New York primary (at the 2:48 mark).

*Trump, April 19:* We’re getting rid of Obamacare. It’s going to be repealed and replaced. It is a total disaster with premiums going up 35, 45, 55 percent. It’s going to probably end of its own volition. We’re getting rid of it.

When Trump made the claim originally in June, we wrote that he was talking about proposedrate increases for some plans on the ACA marketplaces, where individuals purchase their own insurance. (The same plans also could be purchased individually through insurance brokers, rather than going through the marketplace websites.) We noted that it was unclear whether the large increases Trump cited would be approved by state insurance regulators, and there were other proposed decreases or single-digit increases in plans that didn’t have to be submitted for review. The Affordable Care Act requires insurers to submit any proposed premium increase above 10 percent to state and federal regulators for review, with an explanation of why the increases are necessary.

As we also noted, most of the insured get their coverage through their employer, and employer-sponsored premiums have been rising at historically low rates for the past few years. Premiums for both single and family employer-sponsored plans increased by 4 percent on average from 2014 to 2015, “continuing a decade-long period of moderate growth,” according to the latest annual Kaiser Family Foundation/Health Research & Educational Trust employer survey. About 6 percent of the U.S. population buys coverage on the individual market.

Final rate increases for the state and federal exchanges for 2016 are now available. And there are still some individual plans with 2016 premium rate increases as high as the numbers Trump cites. But there are also some plans with sizable premium decreases, and more with a mix of decreases and increases in between.

For instance, a New Mexico Health Connections individual plan had an approved increase of 37.6 percent, while another plan in the state, from CHRISTUS Health Plan, had an approved decrease of 4.68 percent. Several Blue Cross Blue Shield rates in Minnesota went up by about 50 percent, while an individual plan from the insurer Gundersen went up by 8.63 percent.

Some people with a marketplace plan may well have paid sizable increases if they stayed with certain plans, but Trump’s implication that these types of increases were widespread or typical is incorrect.

“I would not say the typical experience was, say, a 30 or 40 or 50 percent increase,” Cynthia Cox, associate director for the Program for the Study of Health Reform and Private Insurance at the nonprofit Kaiser Family Foundation, told us.

Cox and her colleagues analyzed the premium rates in 36 states, and 2,365 counties, for a single 40-year-old for the lowest cost silver plans. (The ACA marketplace plans have different levels of benefit coverage — bronze, silver, gold and platinum.) KFF found that “consumers enrolled in the lowest cost silver plan in 2015 would see an average premium increase of 15% if they automatically enroll (or chose to stay) in the same plan in 2016, before any tax credit.”

But it pays to shop around, as the KFF analysis, published in November, made clear. In 73 percent of those counties, the lowest cost silver plan from 2015 was no longer the lowest cost silver plan for 2016. The lowest cost option went up 7 percent in 2016, so consumers could save money by switching plans.

And that’s what 43 percent (2.4 million people) of those returning to the HealthCare.gov marketplaces in 2016 did, according to an HHS analysis released April 12. “Compared to what they would have paid to remain in their 2015 plan, consumers that switched plans saved an average of $42 per month in premium costs, equivalent to over $500 in annual savings,” HHS said.

Factoring in this comparative shopping, the average premium increase was 8 percent, before taking into account tax credits, the analysis said. The HHS report covers the 9.6 million individuals who enrolled or were automatically reenrolled in plans in the 38 states using the HealthCare.gov site. All told, 12.7 million enrolled or reenrolled in marketplace plans in 2016 in all states.

The KFF analysis, titled “Potential Savings from Actively Shopping for Marketplace Coverage in 2016,” included an example of how some marketplace policyholders could save money by switching health plans.

*KFF, Nov. 18, 2015: *As an example, the lowest cost silver plan in Dallas, TX was offered by Blue Cross and Blue Shield of Texas at $279 per month for an unsubsidized 40 year old in 2015. If the person in Dallas continued in his plan, he would have to pay $353 per month in 2016, or an increase of 27%. If he was willing to switch to the new lowest cost silver plan in 2016 offered by Molina, he would pay $260 per month, a decrease of 7% compared to what he paid in 2015.

Tax credits lower the premiums paid by most of those on marketplace plans. HHS said that 85 percent of HealthCare.gov consumers qualified for tax credits, and their average monthly net premium increase, taking the credits into account, was 4 percent (or $4 per month) from 2015 to 2016. The average premium for those receiving tax credits was $106 per month.
-*Wide Variation in Premium Changes*-

As we’ve noted, the premium changes for marketplace plans in 2016 varied widely — from double-digit increases to double-digit decreases and everything in between. An earlier KFF analysis on the second lowest cost silver plan premiums in major cities in every state found they ranged from a decrease of 10.6 percent in Seattle, Washington, to an increase of 38.4 percent in Nashville, Tennessee. The average premium change was an increase of 10.1 percent.

(These figures don’t include tax credits. A 40-year-old earning $30,000 a year would face an average premium decrease of 0.2 percent for the second lowest cost silver plan, once the credits are included, KFF found.)

An Urban Institute analysis of the lowest-cost silver plan premiums in 20 states and Washington, D.C., found a 4.3 percent average increase, but similar wide variation: The average premium dropped in six states and Washington, D.C., increased by up to 10 percent in 10 states, and increased by more than that in four states.

There are different ways to look at how premiums changed. The Commonwealth Fundmeasured the changes for all plans and the second lowest cost silver plans (or benchmark plans, used to determine tax subsidies), and weighted the premiums to reflect population, and found an average increase of 6 percent from 2015 to 2016. But, again, there was a variation — “ranging from premium increases of 37 percent in Tennessee to reductions of 8 percent in Texas,” and slower growth of premiums in higher-cost urban areas than suburban or rural areas.

Why the disparity, and overall larger increases for 2016? Cox told us that insurers may have priced too low initially, and are now reacting to having a full year’s experience with actual marketplace activity. The ACA marketplace plans were first available for coverage starting in January 2014, but insurers then submitted 2015 rates before that year was up.

Premiums for 2014 came in lower than the nonpartisan Congressional Budget Office has projected, Cox noted, and 2015 premium changes varied in some areas but were relatively flat on average (the second lowest-cost silver plan went up 2 percent on average across all U.S. counties in 2015). But 2016 was the “first year that insurers could actually use the data that they had gathered from the enrollees that had been in their plans” for a full year, Cox said. And people were “using more health care than the insurers had initially anticipated.” Premiums, therefore, increased more substantially.

The Urban Institute report made a similar observation. “With consumers having full transparency of plan options and premiums and seeking to pay no more than necessary, beginning in 2014, insurers had strong incentives to price aggressively. This is despite the fact that in the initial years they had limited information on the health care needs of those who would enroll. Insurers that choose to price high because of fear of high utilization risk losing market share; consequently, some appeared to have erred on the side of lower-than-necessary premiums and are now correcting for that as the health care profiles of their enrollees becomes clearer.” The authors wrote that it could take a few more years for insurers’ costs, and premiums, to stabilize.

As was the case before the ACA was passed, it’s difficult to make generalizations about consumers’ experience buying their own health insurance. There’s a lot of churn in the individual market, as some use it temporarily while between jobs. And under the ACA, premiums can vary based on geographic location, age and whether an individual smokes. There’s also more freedom to switch plans, as consumers can’t be denied or charged more due to preexisting conditions.

“Premiums have been somewhat volatile from year to year,” Cox said, and the changes depend on where people live, as well as whether they shopped around or received a tax subsidy. “It’s hard to characterize how everyone is being affected by these premiums.”

But everyone is certainly not paying rate increases of “35, 45, 55 percent” — the figures cited by Trump. Some would have paid lower premiums by switching plans — or even sticking with the same plans in some cases — and average premium increases, according to several studies, range from 4.3 percent to 15 percent, not including tax credits.

Editor’s note: Donald Trump regularly incites political violence and is a serial liar, rampant xenophobe, racist, misogynist and birther who has repeatedly pledged to ban all Muslims — 1.6 billion members of an entire religion — from entering the U.S.

-- 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 19 hours ago.

Introducing Advalent Enrollment Suite

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A solution combining 7 Enrollment Fronts - Enrollment, Premium Billing, Broker Commissions, EDI Gateway along with Self-Service Portals for Members, Employers and Brokers

Westborough, Massachusetts (PRWEB) April 26, 2016

Advalent, a premier provider of enterprise solutions for healthcare payer organizations, has released a unique 7 Piece Lego Enrollment suite encompassing EDI Gateway, Enrollment Plus, Premium Billing and Commission systems, as well as Member, Employer and Broker Portals. This suite offers a highly automated model which promotes operational efficiency, allowing plans to achieve simplicity with minimum wasted effort and without compromising program integrity.

Advalent’s Enrollment Suite manages automated processing of inbound and outbound enrollment transactions (Medicare / Medicaid / Exchange/ Commercial/ Custom), coupled with premium billing and commission system capabilities. The suite allows further flexibility by offering multi-channel access to different self-service tools which seamlessly integrate across multiple health insurance platforms, thus permitting real-time collaboration. This unique solution permits easy customizations while adhering to federal and state’s rules and program designs. This suite of products promotes configuration over custom development enabling quick turnaround in offering immediate results, thereby reducing manual labor while increasing data accuracy and record-processing. In addition, the Enrollment suite gives payers the ability to improve application processing accuracy, eligibility verification, premium billing performance, broker commission and payment reconciliation consequently managing end-to-end processes for multiple streams within the organization.

Enrollment, Premium Billing, Commissions and self-service portals form a key layer within the payer organization. If data and automation within this layer are well- managed, the benefits of the results are quickly seen rippling through the downstream systems such as Claims, PBMs and DWH, etc. This plug and play Enrollment Suite is built with comprehensive and sophisticated technology, keeping in mind the business needs of the health plans. Users can implement the suite one piece at a time, changing “out of the box” functionality as needed, while integrating it with existing systems and eliminating errors owed to manual processes. Through process automation, payers will be able to capitalize on explosive growth in the market while lowering administrative costs and see results which are reflected in exchange driven markets.

Advalent's smart exception logic module and interactive dashboards make it possible for the health plans to automate enrollment, as well as monitor the exceptions received from members and plans. Based on the exception trends, configurable error queues are created allowing users to precisely and efficiently correct membership records. Advalent’s Enrollment suite users have seen payment and enrollment reconciliation errors reduced by an estimated 50 percent due to greater automation and accuracy, boosting the handling of discrepancies. Furthermore, the suite also offers comprehensive data warehousing, reporting and labor-saving features. With its unique platform, Advalent is dedicated to keeping organizations fully compliant with high degree of automation so that health plans can achieve maximum productivity.

Advalent’s Enrollment Plus is the foundation and an integral component of Advalent's larger comprehensive product line, which includes tools that automate the full spectrum of administrative processes, including Premium Billing, Commissions, Encounters and Care Management.

Advalent’s Premium Billing System offers health plans a highly configurable solution to automate all aspects of Premium Billing, member payments and real-time reconciliation.

Advalent’s Commission System manages broker commissions based on the enrollment and group payments, further more manifested by the broker self-service portals.

Advalent’s EDI gateway handles all electronic transactions with CMS, states and delegated entities in a seamless and compliant manner. Advalent will ensure compliance and adapt to conform with any changes to these transactions.

Advalent’s Portals offer self-service capabilities to support functionality of enrollment, premium billing and compliance. Advalent Portals provide a real-time view which provides up-to-date information to users. Portals drive engagement with value added services and health management education. Portals offer a secure way for users to reach health plans with their appeals and grievances.

“Advalent is reinventing healthcare technology. We are standardizing often duplicated tasks at health plans into configurable solutions, there by offering an affordable solution without compromising features and flexibility while being compliant. Advalent’s Enrollment Suite packages solutions that are typically disconnected into a single solution, eliminating data synchronization issues. We are applying latest technological advancements to healthcare IT to make it more widely available and affordable.” Sasidhar Parvatham, CEO Advalent Corporation.

Advalent offers Enrollment Suite under a no obligation try and buy model. Reach out to Advalent to experience Advalent’s solution. To learn more, please visit http://www.advalent.com

Founded in 2009, Advalent is based out of Westborough, Massachusetts. Reported by PRWeb 19 hours ago.

Insurers agree to new coverage criteria for Hepatitis C

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Three of the region’s largest health insurers are among seven statewide that have agreed to change their policies to expand coverage for chronic Hepatitis C treatment. The agreements with the state Attorney General’s office means nearly all of the state’s commercial health insurance plans will now cover treatment for those suffering from Hep C, without requiring them to wait until they develop more related advanced diseases such as liver scarring. The insurers also agree not to deny coverage… Reported by bizjournals 16 hours ago.

Short-term health insurance grows in popularity in Oregon and U.S.

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Sales of short-term health insurance, a cheaper alternative to plans sold under the Affordable Care Act, are booming, according to the Wall Street Journal. Temporary policies, traditionally sold to people trying to fill coverage gaps for a few months, have surged in popularity since the law’s major provisions took effect in 2014, the WSJ reports. In Oregon, sales of short-term plans have also risen, but they’re still a tiny fraction of the individual health insurance market, which has about… Reported by bizjournals 15 hours ago.

Principle Assurance Pays over 99% of Claims

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Principle Assurance, the long term licensed insurance company confirms that over 99% of claims received for international health insurance were paid in full within 1 week of being submitted

(PRWEB) April 27, 2016

Insurance and financial services companies have long carried the reputation of making it easy for people to pay their premiums but for not being so attentive when it comes to paying claims.

Principle Assurance, the long term licensed international insurance company has made inroads at overcoming this image by confirming that they paid in full 99% of health insurance claims submitted to them in the year ending 31st of March 2016.

The insurance company, which focuses primarily on the underwriting and provision of health insurance, life insurance and international savings plans, has made significant modifications to the way in which it manages claims from clients. The most significant step being the outsourcing of all claims to an independent third party in early 2015 that ensures that claimants receive a balanced customer friendly experience that is targeted on customer satisfaction rather than just bottom line.

Jonathan Wright, Head of Underwriting at Principle Assurance said, "we have been able to make savings by streamlining the process and pass on these savings to our clients; by fast tracking the average claim our operational costs are reduced by around 50% which allows us to pay claims at a higher ratio than most in our industry."

In addition to outsourced and fast tracked claims processes, Principle Assurance has also introduced scanned claims facilities where clients can easily email their claim in without the need to send original receipts and forms. Reported by PRWeb 15 hours ago.

No Health Insurance? You May Qualify for an ‘Obamacare’ Exemption

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President Barack Obama’s health care law requires you to have health insurance or pay a tax penalty — but there are exceptions. Reported by ajc.com 13 hours ago.

Medi-Cal will soon cover immigrant children here illegally, but adults pose a bigger test

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Ever since Obamacare took effect two years ago, many California legislators have been fighting to get health insurance for those it left out — the quarter of all immigrants in the country illegally who live within the state's borders.

Next month, California will make a sizable dent in that effort... Reported by L.A. Times 2 hours ago.
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