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Coalition Urges Lawmakers to Pass Anti-Prescription Opioid Medication Bill

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Coalition Urges Lawmakers to Pass Anti-Prescription Opioid Medication Bill Patch Yorkville, IL -- Legislation would require health insurance companies to cover tamper-proof prescription opioid medication. Reported by Patch 19 hours ago.

House Democrats Push Back On Obama Plan To Cut Drug Prices

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WASHINGTON -- A group of House Democrats is organizing an effort to slow down an Obama administration plan to reduce drug prices, according to a letter obtained by The Huffington Post.

The Department of Health and Human Services is working toward finalizing a new rule that would experiment with ending the financial incentive doctors have for prescribing some extremely expensive medications. The rule has been well-received among some patient advocates, but congressional Democrats have been largely silent, while the pharmaceutical industry and medical community have waged an aggressive campaign to stop it.

The campaign is bearing fruit. The letter being circulated among House Democrats uses the oldest move in the opposition playbook -- warning of the dreaded unintended consequences. "We have concerns about the proposed payment model and its potential for unintended effects on beneficiaries and the physician community," it reads, offering that, of course, they support the goal of the policy, just not the way it's being done.

"A number of members have expressed concern about the scope and size of this initiative while recognizing problems with current payment rules," said Drew Hammill, a spokesman for House Democratic Leader Nancy Pelosi (Calif.). "Leader Pelosi hopes that CMS will continue to actively engage members and advocacy organizations as the particulars of this test are finalized."

Hammill said Pelosi is urging members to sign the letter, which is being circulated by Rep. Richard Neal (D-Mass.). As a result of pressures among the medical community and Big Pharma, sources following the fight said, many Democrats were nervous enough about the proposed rule that they were considering signing a Republican letter that spoke in even harsher terms. The Democratic missive is written with an eye to those who want the rule to go forward, but don't want to attract the ire of two powerful lobbies.

The Republican letter simply asks for HHS to withdraw its new rule, citing "deep concerns." 
The Medicare drugs proposal is part of a larger push by the White House to tackle prescription drug costs, which are rising rapidly even as costs in other parts of the health care system have grown more slowly in recent years. The administration is limited in what it can do to ameliorate drug spending without new legislation, but convened a forum at the White House in November to air the issue and has issued a slate of smaller reforms.

Any effort targeting the pharmaceutical industry and a segment of the medical community's wallets is bound to attract staunch opposition, as this Medicare plan has. The proposal launched a fierce lobbying battle, with drug makers, cancer doctors and some patient groups charging that the plan to shift the financial incentives to provide more expensive drugs, higher doses of the medicines or both would be harmful to patients and interfere with clinical decisions by health care providers.

The pharmaceutical industry also is fighting back against a set of cost-cutting proposals released this month by the Campaign for Sustainable Rx Pricing, a coalition that includes the lobbying arms of the hospital and health insurance industries, physician societies, the seniors' advocacy group AARP and large companies such as Walmart.

The rationale for the proposed regulation is that the current system not only can overpay for these drugs, but can encourage physicians to use medicines that are the most profitable to their practices instead of most appropriate for patients. The independent Medicare Payment Advisory Commission, which advises Congress on policy, has cautioned about these incentives and urged lawmakers to update the way these drug prices are set.

The change would affect medicines administered by doctors in a medical setting, not drugs purchased at pharmacies and taken by patients, and those costs are covered by Medicare Part B, the portion of the program that pays for doctor visits and similar services. Medicare spends about $20 billion a year on these medications, according to the Centers for Medicare and Medicaid Services.

Under a formula created during the George W. Bush administration, physicians who purchase these medicines for use in their offices are paid the "average sales price" of the drugs plus an additional 6 percent. The Obama administration wants to reduce the markup to 2.5 percent plus a fee of $16.80 per day. The regulation also would call for experiments with other payment methods, including linking the amount doctors get to how well the medicine works to treat patients' illnesses.

Jonathan Cohn contributed reporting.

-- 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 18 hours ago.

UC Davis Study Shows That Whites Receive More State Funding for Autism Services Than Other Racial/Ethnic Groups and Autism-Related Spending Increases with Age

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Whites with autism spectrum disorder (ASD) in California receive more state funding than Hispanics, African Americans, Asians and others, new research from UC Davis Health System has found. The study also showed that state spending on ASD increases dramatically with age.

Sacramento, Calif. (PRWEB) April 27, 2016

Whites with autism spectrum disorder (ASD) in California receive more state funding than Hispanics, African Americans, Asians and others, new research from UC Davis Health System has found. The study also showed that state spending on ASD increases dramatically with age.

Previous evaluations of the state's investment in ASD services have not included adults, a major oversight, according to lead author Paul Leigh, professor of public health sciences and researcher with the Center for Healthcare Policy and Research at UC Davis.

“There are more children diagnosed today with autism than any time in history,” Leigh said, referring to data from the U.S. Centers for Disease Control and Prevention estimating that ASD affects 1 in 68 children. “Our findings can help stakeholders, including legislators and health insurance administrators, accurately estimate the costs of autism services and plan their budgets to meet the lifelong need for those services.”

ASD is a complex neurodevelopmental disorder present in early childhood that impairs communication, social skills and the ability to understand abstractions. In California, services for people with ASD are funded by the Department of Developmental Services (DDS) through 21 regional centers. Up to age 22, people with developmental disabilities can also receive some support -- such as speech and occupational therapy -- through public schools.

In conducting the study, published in PLOS ONE, Leigh and his team used 2012-13 data on more than 42,000 DDS clients with ASD, including those with the additional diagnosis of intellectual disability.

The researchers found spending differences based on race and ethnicity. Compared to whites aged 3 to 17, average per-person spending was close to $2,000 per person lower for African Americans and Hispanics, with the least spending on African Americans. Differences between whites and other racial/ethnic groups, including Asians, for this age range were small.

Spending differences based on race and ethnicity were more profound for adults with ASD. Compared to whites over the age of 18, average per-person expenditures were nearly $13,000 lower for Hispanics, $8,000 lower for Asians, $6,000 lower for others (including nonresponders, Native Americans and Pacific Islanders) and $4,000 lower for African Americans.

“The reasons for these disparities deserve investigation,” Leigh said. “It could be related to the locations of DDS regional offices around the state and the variable costs and availability of services in those areas. But average per-person spending on autism should not differ this much. There are no distinctions in the services needed by people with autism based on race or ethnicity.”

There were also spending differences based on age. People age 18 and over receive approximately two and one-half times more funding as younger people with ASD, with the widest gap between the youngest and oldest age groups. Average spending for each DDS client aged 3 to 6 was about $12,000, while average spending on each adult with ASD aged 65 and over was close to $50,000.

“As children with autism grow up and become adults and no longer receive public school-based assistance, their services transition to expensive independent living support and more of the cost burden shifts to the state,” Leigh said.

“We hope our data can help justify earlier, expanded and equitable spending on younger children with autism," Leigh added. "There is a great return on investment in high-quality early intervention services, which consistently have been found to reduce the disability associated with autism and to support the greater independence and integration in society as a whole of adults with autism.”

Leigh’s co-authors were Scott Grosse of the U.S. Centers for Disease Control and Prevention, and Diana Cassady, Joy Melnikow and Irva Hertz-Picciotto of UC Davis. Their work was funded by Autism Speaks and the National Institute for Occupational Safety and Health (grant U54OH007550).

A copy of the study, titled “Spending by California’s Department of Developmental Services for Persons with Autism across Demographic and Expenditure Categories,” is available online through PLOS ONE at http://journals.plos.org/plosone/article?id=10.1371/journal.pone.0151970

More information about UC Davis Health System, including its Department of Public Health Sciences and Center for Healthcare Policy and Research, is at http://www.ucdmc.ucdavis.edu Reported by PRWeb 17 hours ago.

Anthem voices optimism on ACA exchange growth prospects

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Health insurer Anthem aims to pull a small profit this year from the Affordable Care Act's public insurance exchanges, and its CEO said Wednesday he's "really glad" to be serving nearly 1 million people in this still-developing market. The Blue Cross-Blue Shield carrier's message arrived about a week after rival UnitedHealth Group said it was bleeding money on the exchanges and slashing its presence down to a handful of states. Insurers have faced several challenges since the exchanges opened for enrollment in the fall of 2013 and gave them a new market in which people could buy coverage with help from government tax credits. Chief Financial Officer Wayne DeVeydt said Anthem gained customers in states where nonprofit health insurance cooperatives became insolvent and stopped offering coverage. Reported by SeattlePI.com 17 hours ago.

Farm Workers Are Taking On Poor Pay And Conditions -- And Winning

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By now, the message of the food movement has rung loud and clear -- eat your vegetables, eat local and get to know your local farmers.

Largely left out of those conversations are many of the workers employed by those local farmers who are responsible for picking or producing those locally-farmed goodies.

There’s a lot to talk about on the subject. Farmworkers in the U.S. earn extremely low wages -- an average annual individual income of $12,500 to $14,999, according to the Department of Labor’s National Agricultural Workers Survey. Most lack health insurance and many work long hours -- more than half of NAWS respondents report working more than 40 hours a week.

Working and housing conditions are also often abysmal, but many farmworkers, most of whom are migrant workers born in Mexico, press on for fear of what might happen to them otherwise -- violence, losing their job, losing their home or worse. As Florida tomato picker Leonel Perez explained through a translator to HuffPost Live in 2013, “Everyone has found a way to make it work, to make it survive.”
Today, a growing group of workers are pushing back and successfully transforming ways of life that some have equated to modern-day slavery. An organization called the Coalition of Immokalee Workers, of which Perez is now a staffer, has fought for better pay and conditions for tomato pickers in Florida and has created a model that is beginning to improve the lives of farmworkers in other parts of the country as well.

After many years of work, the coalition has to date won agreements with 14 major food retailers, including Whole Foods, Walmart, McDonald’s and Subway, to only work with tomato suppliers who participate in and meet the requirements outlined by the organization’s Fair Food Program.

That means better pay for workers -- thanks largely to the penny-per-pound premium paid by participating buyers. Among the program's other requirements is a zero-tolerance policy on forced labor, child labor, violence and sexual assault, required access to the education sessions led by CIW organizers so that workers can better understand their rights, as well as a third-party complaint resolution mechanism and ongoing audits to ensure compliance.

All the changes have made a big difference for the workers over the four growing seasons they’ve been in effect, according to CIW organizer Gerardo Reyes Chávez. All told, 90 percent of the tomato farms in Florida are now participating in the program and annual pay for pickers at participating growers is about $17,000.

“[It’s] because workers are at the center of it,” Reyes told The Huffington Post. “We are empowered to use the complaint system to report anything we identify in the fields, any abuse or situations that need to be fixed, and we’re protected when we do that.”

The program has also expanded to include tomato growers in six other states -- Georgia, South Carolina, North Carolina, Virginia, Maryland and New Jersey. And the workers’ stories have inspired actress Eva Longoria to produce a documentary, plus accolades from former presidents Bill Clinton and Jimmy Carter and one presidential hopeful -- a recent Bernie Sanders campaign ad featured the program.
Margaret Gray, author of the 2014 book Labor and the Locavore: The Making of a Comprehensive Food Ethic and a political science professor at Adelphi University, argues that the corporate buyers at the heart of the program are also key to the model’s chances at being applied to workers in other industries.

“The [Florida campaign] was able to go after these corporate giants and try and get them on board after they spent years and years trying to do something directly with the farmers,” Gray said. “This seems to be the sort of model that’s going forward.”

That’s already happening. Beginning this growing season, bell pepper and strawberry growers in Florida are adapting the CIW’s model, as are dairy workers in Vermont.

In 2014, the Burlington-based nonprofit Migrant Justice launched its Milk With Dignity campaign and named Ben & Jerry’s as its first corporate target.

It didn’t take long for the company to join the campaign: it signed an intention to implement the program throughout its northeast supply chain last year. And while negotiations are ongoing, organizers are optimistic those talks will come to a successful close soon.

According to Abel Luna, an education coordinator with Migrant Justice, the issues facing dairy workers in Vermont are similar to those of the Florida tomato pickers -- long days, low wages and little time off.

“You have no idea and have no control over your life,” Luna told HuffPost. “You’re dependent on other people to tell you everything."Luna says the campaign is changing all of that.

“From the first day, you feel the difference,” Luna added. “You will be educated about what your rights and benefits as workers will be and you’ll be educated on how to access this third-party mechanism to enforce your rights if there is a violation. You feel valued as a worker.”

Making improved wages and conditions the new normal for U.S. farmworkers could prove a challenge, and consumers will need to be on board.

Increased prices won't be as much of a factor as you might think. All this comes at no or little cost to the consumer, regardless of whether participating retailers eat the additional cost of higher pay or not. As research from the University of California-Davis labor economist Philip Martin has shown, because the average household spends so little on produce, even a 40-percent increase in average farmworker pay would mean about $15 a year in increased spending.

Whole Foods has not increased the retail price for tomatoes as a result of its participation in the Fair Food Program, according to National Geographic.

While many consumers are increasingly aware of their food's impact on the environment and animal welfare, Gray suspects that some may be experiencing fatigue when it comes to considering worker concerns as well. That’s especially the case when their romanticized vision of modern-day farm life doesn’t include largely underpaid migrant workers facing harsh conditions.

“But when someone imagines what the local farmer and local farm look like, they’re just thinking about white people," Gray said. "I think these workers, in their imaginations, don’t really fit into the equation. It’s a real dissonance that’s difficult for people.”

Breaking through those preconceived notions could be difficult, especially as industry groups have fought campaigns like the CIW’s.

Still, the work continues. Once the Vermont workers’ deal with Ben & Jerry’s is complete, the Milk With Dignity campaign’s targets will turn to other corporate dairy buyers.

Back in Florida, the CIW’s campaign with tomato pickers is also ongoing.

In addition to monitoring for compliance among existing participants, their campaign is targeting major buyers like Wendy’s, Publix and Kroger that have thus far declined to take part in the Fair Food Program. In March, the organization launched a national boycott of Wendy’s. 

It is not lost on Reyes and his colleagues that their work extends far beyond any particular corporation or industry, however.

“We’re not just challenging [Wendy’s, Kroger and Publix], we’re creating a blueprint that can be used for workers in other realities, too,” Reyes added.

This story is part of The Huffington Post’s ongoing Farming in America series. The series highlights the hopes and fears and the challenges and successes of U.S. farmers pushing beyond conventional boundaries. Contact us below if you wish to get involved.



Joseph Erbentraut covers promising innovations and challenges in the areas of food and water. In addition, Erbentraut explores the evolving ways Americans are identifying and defining themselves. Follow Erbentraut on Twitter at @robojojo. Tips? Email joseph.erbentraut@huffingtonpost.com.

-- 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 16 hours ago.

My America

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I watch the politicians and the media portrayals of the candidates with disappointment and a touch of bewildered amusement. I listen to their words and I feel in my soul that they live in a different place. The America that they talk about is a comic book fiction. In my America, we still represent the greatest country in the world, the beacon of freedom that it has always been. Is our country perfect; of course not. We are a hodgepodge of 330 million people and since each one of us as a human is inherently flawed, why would anyone think as a country we would also not fall far short of perfection.

Nonetheless, I see a country made up of amazing people. A country that has historic accomplishments and does not rest on its laurels. We are still creating, building, supporting the weakest in this country and in the world. We are still striving forward and trying to be the beacon for those who yearn for freedom, economic opportunity and safety from persecution and war.

The politicians do not see this as this does not serve their narrative. They want to pray on our individual fears and prejudices. They want to divorce ourselves from common sense and dredge up feelings of loss, bitterness and some sense we can return to the past. There is always a yearning for the past that somehow it was better 10, 30 or 50 years ago. That is not America, we as Americans always look forward. The future has always been better and there is no reason to believe it won't be better still. No greater luminary than Warren Buffet recently said as much in his annual shareholder letter.

What we need to do is harness all of us to bring that future to a reality. Immigrants, legal or otherwise, are our assets. So too are the old, the disenfranchised and individuals who have fallen out of the mainstream of work and citizenship. We are a community of people and we shall find the path together. For those who have fallen behind, we will attempt to pick you up. For those with their best years ahead, lead us to the brighter future. Pushing us into discrete groups at war with each other will not lead us to the promise land. We must succeed together or fail trying.

My policy prescriptions are simple:

1. Reform government, it has taken on too much responsibility. Layers upon layers have been built that inhibit government from doing the truly important tasks starting with the security of it citizens.

2. Simplify the tax code and lower rates for all; take away the advantage of the elite by eliminating all special rules that favor the rich and the powerful. No one should be paying 20% when others making the same are paying 40%

3. Not only find a path to citizenship for those who are here and looking to be part of our community but find a way to invite many others with special skills that this country needs to create the best America

4. Capitalism is our key to success but it creates winners and losers in a sense so we need a strong safety net system to cushion the fall and give those an opportunity to try again. Food stamps, unemployment insurance and continued health insurance are imperfect solutions but assist the neediest citizens and provide a cushion against life's worst crises

5. Push education reform back to the states, the federal government is too far away from the citizenship. By making this a local effort, we are better-placed to reward those who are creating the most successful educational systems

6. Rebuild our infrastructure across the board; roads, bridges, tunnels, airports, rail systems, water and electrical systems, etc...... This not only creates the infrastructure for the 21st century but is a massive jobs program for the craftsmen of America

7. Create a more libertarian society where choice of individuals is fostered and promoted not just when it comes to economic matters; love who you want, embrace any religion, minimize our citizens being sent to jail for senseless victimless crimes, promote gun safety not gun control (and let states, cities and towns choose their own path). I do not want the government or any other citizen standing in the way of my free exercise of my God given (and constitutionally protected rights)

This country inarguably has its challenges but we can construct solutions to those challenges. We must pull together and not have the politicians pull us apart. There are enough smart people on both sides of the aisle to fashion solutions if we choose to take up these challenges together. But if we build walls between different factions within the country we will fall far short of our best future. I ask all sides of the debate to drop the personal attacks, stick to the policy prescriptions and try to fund the ideas and solutions that work without regard to the genesis of such ideas. Unite the country behind the best ideas and we will continue to lead the free world.

-- 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 16 hours ago.

"We All Work As A Team" - Millennials Explain How It's Going Living 'Rent-Free' At Home

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We All Work As A Team - Millennials Explain How It's Going Living 'Rent-Free' At Home With millennials now the largest generation in the United States, a look into their economic standing is warranted. Using New York City as a proxy, we learn that millennials are now making 20% less than the generation before them, and have incurred tens of billions in student loan debt. Faced with these facts, they are searching for ways to cut down on expenses in order to make ends meet, and* one common sense way to do that is to move back in with mom and dad.*

The Chicago Tribune helps us understand how all of that is working out. To start, more than 20 percent of millennials are living with their parents, even after obtaining a college degree. Even if some are fortunate to move out, often times they boomerang back to their parents' home by age 27.

As such, stories such as the one from 34 year old Meghan Kennihan are becoming the norm, even in today's economic "recovery".



"I had an apartment in Chicago," said Meghan Kennihan, 34, a running coach and personal trainer who lives in her folks' finished basement in La Grange. "It was tiny and expensive. I was miserable. I moved back. Now, I have a bedroom plus an area for my scrapbooking hobby and another for my exercise equipment. *It's like having my own apartment except I have more space than I can afford to have in an apartment.*"



In order to move out on her own, Meghan cites the need for an employer who can help cover her health insurance, something all of these newly created waiter and bartender jobs aren't able to do.

*"To be able to buy my own place, I would need to work for an employer that would cover insurance for me"*

 

*Not only is there more space, but the price is right.* Millennials have been able to save on rent, and are just trying to chip in other ways around the house where possible, as 24 year old Dean Pearce explains.



"My parents have done so much for me, and now they're letting me live here rent-free, so I try to help out. I pick up my sister from school, do the dishes or whatever chore needs to be done. My mom makes dinner. We all work as a team."



As a matter of fact, the trend of kids living at home with their parents has gotten so strong that home builders are now designing homes with just that in mind.* "One out of six buyers have or plan to have a grown child at home"* said Richard Bridges, Chicago division sales manager at David Weekly Homes. For a mere $35,000-plus, Richard says the plan can include a bedroom/bathroom suite in a finished basement to accommodate the kids who inevitably will be returning home to live.

*Chicago area builder PulteGroup says in their new models, kids can enjoy a bedroom/bathroom suite with a kitchenette and separate living space.* "Our NexGen option is the greatest in housing since indoor plumbing." said Jeff Roos, western regional president at Lennar Corp.

In summary, it looks like things are going well for kids who are moving back home, all things considered. Rent is affordable, and now parents are even taking it upon themselves to buy houses that have the look and feel of one's own personal apartment for their children to return home to someday. It is safe to say that *this is quickly becoming the new American Dream for current and future generations*.

The likelihood of this trend reversing course any time soon? Not likely. As Lennar Corp's Jeff Roos points out:



*"It could be a while before the millennial makes enough money to leave"*

Reported by Zero Hedge 15 hours ago.

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 8 hours ago.

Significant premium hikes expected under Obama health law

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WASHINGTON (AP) — Expect insurers to seek significant premium increases under President Barack Obama's health care law, in a wave of state-level requests rippling across the country ahead of the political conventions this summer. Insurers say the law's coverage has been a financial drain for many of them, and they're setting the stage for 2017 hikes that in some cases could reach well into the double digits. The health law's nagging problems seem to center on lower-than-hoped-for enrollment, sicker-than-expected customers, and a balky internal stabilization system that didn't deliver as advertised and was already scheduled to be pared back next year. Sharp increases for 2017 would fire up the long-running political debate over the divisive law, which persists despite two Supreme Court decisions upholding Obama's signature program, and the president's veto of a Republican repeal bill. Standard & Poor's health insurance analyst Deep Banerjee said he expects premium hikes to be higher for 2017 than in the more stable market for employer coverage. Insurers are facing higher medical costs from health law customers, and companies priced their initial coverage too low in an attempt to grab new business. Insurers who are more bullish on the program tend to be ones that expanded slowly into the markets and have a lot of experience working with low-income Medicaid recipients. Reported by SeattlePI.com 2 hours ago.

ezPaycheck Payroll Software Now Offered To High Schools As Educational And Personal Finance Tools

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EzPaycheck 2016 payroll software from Halfpricesoft.com has found a new use in high schools where students learn just how far a paycheck really goes. Get the details by visiting http://www.halfpricesoft.com.

Pittsburgh, PA (PRWEB) April 28, 2016

EzPaycheck 2016 payroll software from Halfpricesoft.com is now being used in high schools across the US, for teachers to help students understand just how far a paycheck really goes. Students learn how to spend wisely and to choose their career path more carefully. It will also equip students not bound for college with real life money management skills.

Students in the program receive a weekly or monthly paycheck printed via ezPaycheck that reflects the wage level of their chosen career. Students get to see what their take-home pay would be after deductions for taxes, health insurance and savings plans. Then they must pay virtual bills based on lifestyle choices they make, such as mortgage or rent and car payments. For many, the process is an eye-opening experience that demonstrates a need for frugality and gives them a greater understanding of how a college education could make a difference in their income and lifestyle.

"ezPaycheck 2016 payroll software is now being used in a classroom to teach teenagers valuable life skills," said Dr. Ge, founder of Halfpricesoft.com.

EzPaycheck payroll software is ideal for school programs because teachers are able to:

● Create unlimited virtual businesses
● Use with an unlimited number of students
● Assign pay rates to students that reflect real-world wages for their chosen careers
● Program deductions for taxes using actual federal, state and local tax rates (updated annually)
● Program deductions for health insurance and savings plans
● Set up virtual bank accounts
● Print life-like checks (based on virtual funds)
● Import data from Quickbooks, Quicken and similar accounting software

Schools and Businesses can Test Drive ezPaycheck Payroll Software without cost or obligation
Whether test-driving it for use with a school classes or trying out features for use with a business, potential customers can sample ezPaycheck 2016 payroll software and all of its features with no obligation for 30 days. Customers can download ezPaycheck at http://www.halfpricesoft.com/index.asp. All features are included, along with a sample database for testing.

About Halfpricesoft.com
Halfpricesoft.com is a leading provider of small business software, including payroll software, employee attendance tracking software, accounting software, check printing software, W2, software, 1099 software, and ezACH direct deposit software. Software from halfpricesoft.com is trusted by thousands of customers and will help small business owners simplify their payroll processing and business management. Reported by PRWeb 2 hours ago.

Multiple Alzheimer’s Treatments Are in the Drug Pipeline, but Barriers to Access Will Remain, AIS Newsletter Reports

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More than a decade after the last Alzheimer’s drug launched, multiple treatments could hit the market within the next five years but it may be hard to provide patients access to them, Atlantic Information Services’ Drug Benefit News reports.

Washington, DC (PRWEB) April 28, 2016

Alzheimer’s disease is ranked as one of the leading causes of death in the United States, and with a huge older population, incidence of the disease is expected to rise. There are now, however, multiple drugs in late-stage clinical trials that could hit the market within the next few years, according to a recent webinar covered in the April 22 issue of Atlantic Information Services, Inc.’s (AIS) Drug Benefit News.

2018 could see six new entrants to the Alzheimer’s treatment class, according to Drew Holzapfel, director of ResearchAgainstAlzheimer’s (RA2) and presenter at the April 11 webinar sponsored by nonprofit organization UsAgainstAlzheimer’s (UsA2). An additional five drugs are slated for a 2019 launch, four for 2020 and two for 2021. In addition, notes the report, about 50 drugs are in phase II trials, with about 12 in phase II/III trials.

But even with all these drugs in late-stage trials, barriers will remain to getting Alzheimer’s patients access to them, maintained Holzapfel. Diagnosis of Alzheimer’s remains an issue: physicians feel limited by the number of drugs currently on the market, and primary care providers don’t have time or access to the cognitive tests required. Additionally, there aren’t enough doctors in the geriatrics field, noted David Morgan, Ph.D., CEO of the Byrd Alzheimer’s Institute and a founding member of RA2. Reimbursement will also be an issue, as “Medicare payer levels are very difficult to survive on,” Morgan said.

Visit https://aishealth.com/archive/ndbn042216-03 to read the article in its entirety.

About Drug Benefit News
Published biweekly, Drug Benefit News delivers timely news and in-depth accounts of cost management strategies being employed by purchasers. Coverage includes news of the continually evolving PBM landscape, soaring specialty pharmacy costs, the emerging biosimilars market, generic inflation, exclusionary formularies, new adherence strategies, pharmacy network innovation, changing reimbursement methodology and more. Visit http://aishealth.com/marketplace/drug-benefit-news for more information.

About AIS
Atlantic Information Services, Inc. (AIS) is a publishing and information company that has been serving the health care industry for nearly 30 years. It develops highly targeted news, data and strategic information for managers in hospitals and health systems, health insurance companies, medical group practices, purchasers of health insurance, pharmaceutical companies and other health care organizations. AIS products include print and electronic newsletters, databases, websites, looseleafs, strategic reports, directories, webinars and virtual conferences. Learn more at http://AISHealth.com. Reported by PRWeb 2 hours ago.

Prescription Hope Invites Former Affordable Care Act Co-Op Insureds To Apply For Affordable Medications

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Nation’s fastest growing pharmacy program can access over 1,500 FDA-approved prescription medications on behalf of affected individuals

Columbus, OH (PRWEB) April 28, 2016

Prescription Hope is extending an invitation to those affected by a health insurance co-operative bankruptcy to receive their prescription medications through America’s fastest-growing pharmacy program. Through Prescription Hope’s proprietary process, individuals can receive over 1,500 FDA-approved prescription medications from over 180 American pharmaceutical companies for $35 per month, per medication, without the traditional barriers of insurance.

“The bankruptcy of health insurance co-ops is the most recent example of difficulties Americans face when trying to access their prescription medications,” said Douglas K. Pierce, President and Chief Executive Officer of Prescription Hope. “We work to bridge the gap that insurance can often leave behind, connecting Americans with the medications they need at a price they can afford.”

In 2016, over 800,000 individuals lost access to affordable health insurance when over half of America’s insurance co-ops went bankrupt. The largest bankruptcy was Health Republic Insurance of New York, forcing over 150,000 individuals to seek new health insurance. Other major co-operatives to go bankrupt include CoOpportunity Health serving Iowa and Nebraska, Louisiana Health Cooperative, and Nevada Health CO-OP. As a result, many were forced into other insurance programs or discount cards, which may increase out-of-pocket costs for routine prescription medications.

Research from the Centers for Disease Control shows once Americans lose access to their prescription medications, they begin taking risks with their health, ultimately driving up the cost of their care. Although one in five people rely on three or more monthly prescription medications, those who cannot afford all of their medicines may be skipping dosages, splitting medicines, or sharing them with others.

“Nobody should be forced into deciding between paying their bills and affording their prescription medications,” said Pierce. “Through our program, individuals do not: our program allows individuals to control their costs by fixing prescription medication costs at $35 per month, per medication.”

As opposed to discount drug cards or mail-order pharmacy programs, each medication received through Prescription Hope costs only $35 per month. More importantly, Prescription Hope works alongside any coverage an individual may have. There is no limit to the number of prescribed medications an individual can receive through Prescription Hope.

When an individual joins Prescription Hope, the highly-skilled team begins working on their behalf to obtain each of their prescription medications for the set monthly cost of $35 per month, per medication. Prescription Hope works hand-in-hand with America’s major pharmaceutical manufacturers and their pharmacy to secure prescriptions, track medication shipments, manage refills on time, maintain up-to-date records, and renew prescription medications every year. Individuals and families earning less than $100,000 per year often qualify for Prescription Hope.

“With over a decade of experience, our dedicated team has served thousands of people across the country, saving them millions off the retail costs of their medications,” Pierce said. “I personally welcome those 800,000 individuals who lost their health insurance access to experience a new level of hope for their personal care through Prescription Hope.”

For more information about Prescription Hope, or to apply to receive prescription medications for $35 per month, per medication, visit http://www.prescriptionhope.com or call 1-877-296-HOPE (4673).
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About Prescription Hope: Prescription Hope, Inc. is the nation’s fastest growing pharmacy program, serving thousands of Americans with access to over 1,500 FDA-approved prescription medications for $35 per month, per medication. Prescription Hope is not a mail order pharmacy or discount drug card. Instead, Prescription Hope obtains prescription medications for those who cannot afford them. There are no other costs, fees, or charges associated with the medication or our services. For more information, please visit http://www.prescriptionhope.com. Reported by PRWeb 2 hours ago.

United States: Health Insurance Exchanges: State Of The States - Apr 24th, 2015 - Dentons (US)

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Earlier this week, news surfaced that some HealthCare.gov users may have received an incorrect subsidy or Medicaid eligibility determination from the Marketplace. Reported by Mondaq 1 hour ago.

United States: Health Insurance Exchanges: State Of The States - Apr 10th, 2015 - Dentons (US)

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Once again, there were few notable federal developments this week and as a result, we are starting off with an interesting report from Avalere. Reported by Mondaq 1 hour ago.

United States: Health Insurance Exchanges: State Of The States - Apr 17th, 2015 - Dentons (US)

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According to the forecasts, the exchange budget for the next three years could range from US$34.5 million to US$44.1 million. Reported by Mondaq 1 hour ago.

United States: Health Insurance Exchanges: State Of The States - Apr 3rd, 2015 - Dentons (US)

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This week, CMS reported how many persons have currently taken advantage of the tax season Special Enrollment Period (SEP) to sign up for coverage since the close of Open Enrollment on February 15. Reported by Mondaq 1 hour ago.

Aetna tops Street 1Q forecasts, hikes 2016 forecast

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Aetna's first quarter earnings slid nearly 7 percent as enrollment dipped, but the nation's third-largest health insurer topped Wall Street expectations and hiked its 2016 profit forecast. Aetna booked $65.4 million in pre-tax costs in the first quarter from that pending acquisition and other deals. Health insurance is Aetna's main product, and most of its enrollment comes from commercial coverage sold through employers or directly to individuals. Reported by SeattlePI.com 3 minutes ago.

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 1 day ago.

What Americans Spent The Most Money On In Q1

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What Americans Spent The Most Money On In Q1 As reported moments ago, Q1 GDP which came at just 0.5% growth, was a lousy number in which virtually every component besides personal spending (and government) subtracted from growth. In fact, in nominal terms, Q1 GDP grew only $22.2 billion annualized, of which personal consumption was more than double, or $52.5 billion.

But what did Americans spend money on in Q1? To our surprise, Healthcare, Obamacare was no longer what soaked up most Americans' cash in the first quarter (nonetheless, it was a runner up with $10.8 billion in spending).

So what did Americans spend the most amount of money on? The answer, drumroll.... Recreational goods and vehicles! Yes, not cars, which actually were a huge negative to Q1 GDP growth, reducing the headline consumption number by $13.4 billion, but recreational vehicles, and other sundry related goods, which amounted to to $11.3 billion in Q1 spending.

It appears that after spending record amounts of money on their health insurance premiums, US consumers just can't get enough of various "recreational" distractions such as RVs, ATVs and jet skis, and have made "recreation" the biggest source of growth in the US economy. Incidentally, net of other items, the entire Q1 GDP growth was covered by spending on Healthcare and Recreational goods and vehicles.

Here is the full breakdown. Reported by Zero Hedge 23 hours ago.

A.M. Best Withdraws Ratings of InStil Health Insurance Company

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A.M. Best Withdraws Ratings of InStil Health Insurance Company OLDWICK, N.J.--(BUSINESS WIRE)--A.M. Best has affirmed the financial strength rating of A- (Excellent) and the issuer credit rating of “a-” of InStil Health Insurance Company (InStil) (Columbia, SC). The outlook for each rating is stable. Concurrently, A.M. Best has withdrawn the ratings in response to the company’s request to no longer participate in A.M. Best’s interactive rating process. The ratings and outlooks are reflective of InStil’s strong risk-adjusted capitalization, history of posit Reported by Business Wire 20 hours ago.
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