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ez1095 2016 Affordable Care Act Software Updated With Data Import Features

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Ez1095 2016 Affordable Care Act software offers business owners a new data import feature. Download and try it at no obligation by visiting http://www.halfpricesoft.com.

Charlotte, NC (PRWEB) November 23, 2016

Employers that are seeking a way to file Year 2016 ACA form 1095C, 1094C, 1095B and 1094B are welcome to download this new edition of ez1095 software from Halfpricesoft.com. The newest version of ez1095 ACA 2016 (Affordable Care Act) software offers customers a new data import feature for ease of use. First time ez1095 customers can now read form data from spreadsheet or previous efile XML files to shorten the data entry time dramatically. This ACA form software speeds up paper form printing, pdf form printing and efiling for employers and accountants.

“ez1095 2016 software from Halfpricesoft.com is now available with new data import feature to help employers file 1095 and 1094 ACA forms easily,” said Dr. Ge, the founder of Halfpricesoft.com.

Customers can easily efile (additional cost) or print and mail forms depending on how soon the forms need to be sent out. With the new guidelines for the healthcare law, all employers with 50 or more full-time employees or equivalents are required to file an annual return in 2016 reporting health insurance they offered employees.

ez1095 software is compatible with 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 new quick start guide offers the following step by step instructions-

1. How to Print Form 1095-C and 1094-C

2. How to Import 1095-C Data

3. How to Print Form 1095-B and 1094-B

4. How to Import 1095-B Data

5. How to e File ACA forms

6. How to pass the test scenarios

7. How to validate XML documents before efiling IRS

8. How to print forms in PDF format

9. Network printing (Multiple-user version)

10. How to e File 1095 correction

11. How to apply for TCC

Priced at just $195 for a single user version ($295 for new efile and PDF version), this ACA forms filing software saves employers time and money by processing forms, in-house. 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 bar-code 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 1 day ago.

Democrats Must Mobilize America’s Largest Political Party: Nonvoters

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(Photo: AP/Jon Elswick)

Voters cast ballots at Oakdale Elementary School in Frederick, Maryland, on November 8, 2016.

When all the votes are counted, it is likely that Hillary Clinton will have two million more votes than Donald Trump. Among those who voted, Clinton beat Trump by about 1.5 percentage points, a larger margin that several victorious presidential candidates, including John F. Kennedy in 1960 and Richard Nixon in 1968. But the Electoral College determines the outcome of U.S. presidential elections, so winning the popular vote is small solace for Clinton and her supporters. The first female candidate with a serious shot at winning the presidency lost most of the key battleground states she need to win. How and why did that happen?

What’s missing from most mainstream analyses is that the largest political party in Tuesday’s election was the “Nonvoters Party,” a nationally known group that usually posts strong numbers in American elections. People who did not cast a ballot represented 41.6 percent of all eligible voters, compared with the 27.5 percent of all eligible voters who went for Clinton and the 26.7 percent who supported Trump. While Clinton won a larger share of the popular vote than Trump, the two of them together only inspired 54.2 percent of eligible voters to cast a ballot. (About two million votes—mostly from California, where Clinton has a big edge—have not yet been counted, so these figures will be slightly revised, but the overall trend is unlikely to change.)

*Here are the numbers:*
*All eligible voters: *231,556,622
*All registered voters: *146,311,000 (63.1 percent of eligible voters)
*Votes cast: *135,180,362 (58.4 percent)
*Did not vote: *97,019,022 (41.6 percent)
*Votes for Hillary Clinton: *63,759,985 (27.5 percent)
*Votes for Donald Trump: *62,005,118 (26.7 percent)
*Votes for other candidates: *7,087,495 (3.0 percent)

About 58.4 percent of eligible voters cast ballots this year, roughly the same as the 58.6 percent in 2012 and down from 61.6 percent in 2008. Some voters who supported Barack Obama in 2008 and 2012 switched to Trump in 2016. But vote-switching was not the main culprit in Clinton’s defeat. Turnout among white working-class voters in Republican areas increased slightly, while turnout among key Democratic constituencies declined, especially in battleground states.  

In 2008, Obama received 69.5 million votes to John McCain’s 59.9 million. Four years later, Obama garnered 65.9 million votes; while Romney raked in 60.9 million. Clinton is likely to have slightly more than 64 million votes compared with Trump’s 62 million. The election turned on the fact that Clinton had two million fewer votes than Obama, particularly in key battleground states.

Who comprises the Nonvoters Party? They are mostly young people, poor people, and people of color. Data for the 2016 presidential contest is still being compiled, but figures for the 2012 race shows that 31 percent of nonvoters were 18- to 29-years-old; 61 percent of nonvoters earned less than $50,000 a year, and roughly 22 percent of nonvoters were people of color. The nonvoters work at Walmart, fast-food restaurants, hotels, and poultry factories. A significant number of them don’t have health insurance. Many attend community colleges and universities. Most of them rent their apartments and some lost their homes to foreclosure.    

Low turnout in the presidential election does not bode well for the 2018 midterm elections, which typically see a dropoff in voting. Only 40.9 percent of eligible 18- to 29-year-olds voted in 2012, lower than all other age groups. In the 2014 midterm elections, the turnout level for young people sunk even lower, to an abysmal 16.3 percent. Only 43.1 percent of eligible Latinos went to the polls in 2012, and their turnout fell even further, to 21.1 percent, two years later. In 2012, African American turnout skyrocketed to 67.4 percent, primarily because Obama was running for re-election; but in 2014, many stayed home, and black turnout plummeted to 36.4 percent.

Nonvoters are considerably more liberal than the rest of the population. This shouldn’t be surprising, since young, poor, and minority Americans are more liberal—and more inclined to vote for Democrats than most eligible voters. In a 2015 article, “Regular Voters, Marginal Voters and the Electoral Effects of Turnout,” Anthony Fowler, a University of Chicago political scientist, found that “marginal” or irregular voters were 20 percent more likely to support Democratic candidates than “regular” voters. He concluded that “election results do not always reflect the preferences of the citizenry, because the marginal citizens who may stay home have systematically different preferences than those who participate.”

So if more nonvoters went to the polls, the election results would likely have been dramatically different: Hillary Clinton would have won by a large margin, both in the popular vote and in the Electoral College. Turnout among college students and in low-income and minority urban areas probably would have increased, giving Clinton victories in Wisconsin, Michigan, Pennsylvania, and North Carolina, and perhaps in Florida and Ohio, too. It is understandable why conservatives, Republicans, and big-business groups do what they can to suppress the vote among these groups, with voter-ID laws, felon disenfranchisement laws, reductions in the number of polling places in minority and low-income areas, and a variety of tactics that make it difficult to vote.

Clinton was supposed to win Wisconsin, but it turned out to be a battleground, with Trump beating Clinton by a mere 27,000 votes out of more than 2.94 million votes cast. Statewide, Trump received about the same number of voters as Mitt Romney in 2012, but Clinton received almost 240,000 fewer votes than Obama. The statewide decline in voter turnout was particularly devastating in Democratic strongholds. In 2011, Wisconsin Governor Scott Walker and the Republican legislature adopted tougher voter-registration laws, including a requirement that voters provide a photo ID to vote. This election law change had a chilling effect in Milwaukee, the state’s largest city, which has a large African American and low-income population. According to Neil Albrecht, the Milwaukee Election Commission’s executive director, voter turnout in that city declined by 41,000 people between 2012 and 2016, with most of the drop-off coming in high-poverty districts. Voter-watchdog groups also said that Wisconsin Department of Motor Vehicles officials gave incorrect information to people seeking to register to vote.

The prevalence of nonvoting challenges the widely discussed notion that Trump’s victory means that a majority of Americans voted for a racist, sexist demagogue. Only 26.7 percent of America’s 231.5 million eligible voters voted for Trump. The number of eligible voters doesn’t even include the more than 3.2 million prisoners and ex-prisoners who, depending on state laws, are denied the right to vote.

High numbers of nonvoters also raise the question of why voter turnout in the United States is much lower than it is in almost every other democratic country. Yes, some Americans stayed home on Election Day because they are alienated from or apathetic about politics. Others didn’t vote because they didn’t like either of the two major candidates. But America’s low voter turnout is due primarily to our complex voter registration laws that place enormous obstacles to sign up to vote. Only 63.1 percent of eligible voters are even registered. But once registered, almost all of them, 88 percent, went to the polls. 

Thirteen states currently allow Election Day registration. The six states with the highest voter turnout this year—Minnesota (74.2 percent), New Hampshire (72.6 percent), Colorado (71.3), Maine (69.9 percent), Iowa (68.6 percent), and Wisconsin (68.3 percent)—all have same-day registration laws. If people were automatically registered to vote, as they are in Oregon, voter turnout would increase. This year, 66.9 percent of Oregon’s eligible voters cast a ballot. Making Election Day a national holiday, like many other democracies already do, would bring even more Americans to the polls.

These Election Day voting statistics should pose a serious question for progressives and for the Democratic Party. Going forward, should they focus efforts on trying to persuade the people who voted for Trump, who are disproportionately white and middle-class, to switch to Democratic candidates? Or should they focus their efforts on trying to mobilize nonvoters, who are mostly Democratic-leaning, poor, minority, and young of all races? This need not be an either/or choice, but it is certainly a question about whether persuasion or mobilization is the most effective use of limited financial and people resources in future elections.

Post-election autopsies have identified many reasons for Hillary Clinton’s surprising loss. Some of these elements were within the Clinton campaign’s control and some weren’t. There is plenty of blame to go around, including media coverage that allowed Trump to set the agenda; the GOP’s voter suppression and intimidation campaign; FBI director James Comey’s unprecedented last-minute intervention; voters’ perceptions that Clinton was too closely tied to Wall Street, mishandled her government email account, or allowed Clinton Foundation donors to influence her decision-making; and Trump’s success at exploiting economic anxiety, racism, and sexism.

But the bottom line is that Clinton lost because the Democratic Party base, the people who elected Obama in 2008 and 2012, did not turn out; when they did, they did not vote for her by large-enough margins. Persuasion was an element of Trump’s success: He appears to have made some gains among the non-college-educated, white working class in Rust Belt states, partly by mobilizing previous nonvoters, but also by winning over some who had voted for Obama in 2008 and 2012. It isn’t clear if Clinton could have retained these Obama voters’ support in the current political climate, especially if their attraction to Trump was based on xenophobia, racism, and sexism rather than his positions on trade and other economic issues. The Democrats should not abandon these voters. But to win them back they need to develop a policy agenda and message that can play to their hopes rather than their fears and rebuild the political machinery to reach them.

Voting is a habit, and so is nonvoting. Politicians and political parties typically focus their appeals on “likely” voters. Democrats have to decide whether they should invest resources in getting nonvoters and “infrequent” voters to change their habits and come to the polls. There’s a potential goldmine of Democratic-leaning voters who could change the outcome of almost all future elections. The University of Chicago’s Fowler and Harvard political scientist Ryan Enos found that “traditional ground campaigning,” such as door-knocking and personal contacts with people who usually do not vote, can increase turnout by 7 to 8 percentage points. Identifying those voters, especially in battleground states for presidential, congressional, and state legislative races, could yield a bonanza of votes for Democrats.

Throughout American history, whenever voter turnout has been high, it is because people have been mobilized to vote. Political parties and social movements have actively reached out, identified, and recruited people to come to the polls. For much of the 20th century, the labor movement was the major engine of Democratic Party turnout. Union members worked as volunteers in campaigns to get fellow union members and others to vote. They are more likely to vote, and more likely to vote Democratic, than other constituency groups. A preliminary study of union members by pollster Guy Molyneaux on behalf of the AFL-CIO found that 56 percent of union members voted for Clinton compared with 37 percent for Trump. That 19-point margin is smaller than in most past years, though pretty significant when one considers the margins Trump ran up among non-college voters, especially men.

But these figures would be even more impressive if union membership were higher. Over the past half-century, as union membership has shrunk from one-third to one-tenth of all American workers, its capacity to mobilize voters has declined. Even so, with more than 15 million members, unions remain the most potent liberal force in American politics. Although business groups typically outspend unions by more than a 10-to-1 margin when it comes to campaign contributions, organized labor has the largest war chest among key Democratic constituency groups. But Republicans seem to be more aware of unions’ political importance than many liberals and progressives. 

In 2001, Republican strategist and corporate lobbyist Grover Norquist penned an article in the right-wing American Spectator that outlined a strategy to create a permanent conservative Republican majority. His goal was, and is, to relegate the Democratic Party to minority status to head off progressive taxes and regulations on business that upset his corporate clients.

Norquist took aim at the labor movement with a goal to undermine its strength as a bulwark of the Democratic Party. He called on Republican governors and state legislators to adopt “right to work” laws and “paycheck protection” measures that would make it harder for unions to organize and represent workers. To break public-sector unions, he encouraged Republican-controlled states to back “privatization” schemes, such as private charter schools and outsourcing major government functions to for-profit companies. Republican governors continue to push Norquist’s agenda. Meanwhile, as president, Trump will appoint anti-union members to the National Labor Relations Board to crush what is left of the labor movement. 

Environmentalists, feminists, civil-rights, and LBGTQ activists have a stake in a stronger labor movement. If liberalism and progressivism is to have a future, these groups need to join forces with organized labor to protect workers’ rights, environmental justice, women’s, and LBGTQ rights, civil liberties, and the other hard-won victories that are now in jeopardy. That type of coalition should set its sights on a multiyear, no-holds-barred effort to inspire and mobilize the low-income, young, and minority Americans who stayed home on November 8. A coordinated drive is the only way to ensure that Democrats can move to take back Congress, the White House, governors’ offices, and state legislatures.  Reported by The American Prospect 1 day ago.

Caregiverlist® Announces Washington, D.C. Nursing Home Rating and Cost Index for November 2016

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Washington, D.C. seniors needing long-term nursing home care in their state will pay roughly $317 per day, or $115,705 per year, the average annual cost based on the daily semi-private rates of 18 Washington, D.C. nursing homes.

Chicago, Illinois (PRWEB) November 23, 2016

The November 2016 Caregiverlist® Index reports the average monthly cost for a shared room in nursing home in Washington, D.C. is $9,642, while the monthly cost of a private room is approximately $10,341.

The Caregiverlist® Nursing Home Index reports the updated costs and ratings for nursing homes to assist Washington, D.C. seniors looking to plan ahead for their senior care options. Medicare pays for short-term nursing home care after a hospital stay, it does not pay for long-term care. Knowing the costs and ratings of a local nursing home can assist a senior and their family to plan ahead for the right senior care option.

Medicaid for low-income seniors may pay for an ongoing stay in a nursing home, but does have a financial requirement in order to qualify.

Seniors in Washington, D.C. needing nursing home care should also review the most important factors indicating quality of care. They can now view the most recent ratings and costs of nursing homes in their area by using the interactive Caregiverlist® Nursing Home Directory. Of the 18 total Washington, D.C. nursing homes, the majority, 13, receive a Caregiverlist® Nursing Home Rating of 4- and 5-stars, with 5-stars being the highest score. No nursing homes rate the lowest quality rating of 1 star.

November 2016, National Averages Weighting for Rating

2 hours, 28 minutes: C.N.A. Hours per Resident per Day 40%
15.7%: Long-stay Residents with Increasing Activities of Daily Living Needs 20%
1.0% Short-term Residents with Pressure Sores (Bed Sores) 20%
Overall Medicare Star-Rating Score 20%

Note: Nursing home facilities that are part of hospitals, special psychiatric or rehabilitation centers, Continuing Care Retirement Communities (CCRC), or Veteran’s nursing homes are all labeled accordingly as they are only open to new residents meeting their selective criteria.
Caregiverlist® Washington, D.C. Nursing Home Rating and Cost Index

Total Number of Nursing Homes: 18

Average Cost Varies by Region
Average Cost of Private Room for Washington, D.C.: $340
Average Cost of Shared Room for Washington, D.C.: $317
Average Star-Rating: 3.3

Washington, D.C. Nursing Home Star-Rating Results
5-Star: 1
4-Star: 12
3-Star: 4
2-Star: 1
1-Star: 0

The Caregiverlist® rating combines 4 criteria to calculate an overall star-rating with a 5-star rating as the highest and a 1-star rating as the lowest score, as rated against the results for the total number of nursing homes.

Washington, D.C. seniors may find themselves in nursing rehabilitation as an extension of a hospital stay. Medicare health insurance will usually authorize a hospital discharge directly to a nursing home for rehabilitation, and can cover up to 100 days of "skilled nursing" care. Families may be financially responsible for extended stays.

Low-income seniors in Washington, D.C. may qualify for Medicaid, with the financial qualification of no more than $2,000 in assets for individuals and a $3,000 limit for couples. Medicaid will pay for long-term care in a nursing home for as long as the senior qualifies for needing care, even if this means multiple years of care until death.

Seniors should review the ratings and costs of nursing homes in their area and then visit the nursing homes which meet their budget parameters. Ratings for nursing homes are only a starting point and while the Caregiverlist® Index calculates a custom rating based on the most important criteria for quality, there really is no substitute for gauging a quality nursing home than a visit. Right now all of the information for the nursing home ratings is self-reported.

About Caregiverlist®
Caregiverlist.com® is the premier service connecting seniors and professional caregivers with the most reliable senior care options, highest quality ratings and outstanding careers nationwide. Founded by senior care professionals, Caregiverlist® delivers the efficiencies of the internet to senior care companies by providing online job applications, caregiver training, background checks and industry news. Seniors and caregivers can access senior service information “by state,” view nursing home costs and star-ratings and learn about all senior care options and quality standards. For more information, please visit http://www.caregiverlist.com. Reported by PRWeb 1 day ago.

Occupational Medicine Doctors Aided By New Employee Health Record Portal

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The developers of PrognoCIS EHR have met physician demands to implement the Employer Portal to its powerful electronic heath record and practice management software.

San Jose, CA (PRWEB) November 23, 2016

The developers of web based PrognoCIS EHR have exceeded physician requests to add employer portal functions to its already robust electronic heath record and practice management software. The PrognoCIS employer portal is an innovative solution to assist occupational medicine clinics in smoothing communications between the patient/employee, health insurance, employer and physician to reduce document distribution time, access and recovery. The PrognoCIS employer portal enables the secure and paperless sharing of occupational health records - such as occupational illness, and accident or injury records - which are often required to file before an employee can return to the workforce. The portal is especially useful for claims processing, helping employers track aging items like claim invoices, payments posted, and other related occupational health records.

“The PrognoCIS employer portal provides a reliable way for employers to efficiently manage job related injuries suffered by their employees”, says Vinay Deshpande, CEO of Bizmatics Inc. “The employer portal allows employer to track information about the number of injured employees, their health and recovery status, and also communicate with Occupational medicine clinic in secured fashion. This helps employer provide timely help to its employees and improve efficiency of operation.”

PrognoCIS EHR is used by occupational health facilities operating in over half of the lower 48 domestic states, as well as Alaska and Hawaii; and, by several government agencies for their employee health record needs. When workforce management of thousands of employees is required, the cost of managing paper records can add up quickly even if only between a health clinic and a human resource department. The Employer Portal reduces the cost of paper-based documentation methods. With PrognoCIS Employee Portal the employee/patient’s health records are stored online in secure cloud storage, and documents sent to and from have an electronic audit trail which logs all activities and personnel associated with the records. This eliminates the need to copy, mail, sort and file paper records which are often distributed multiple times between all the parties involved with employee health records. The employer portal enforces accountability when sharing Protected Health Information.

The employer portal is a feature of Bizmatics’ new software version called PrognoCIS Denali. PrognoCIS Denali raises standards in electronic health records work flow with an improved face sheet presentation, seamless order management, integrated EOB/ERA processing, improved data analytics, and easy-to-read and understand dashboards. Learn more about PrognoCIS Denali by scheduling a demonstration today.

About Bizmatics, Inc.
Bizmatics Inc. is the developer of PrognoCIS Electronic Health Record (EHR) and medical billing software; credentialing and revenue cycle management services. Bizmatics is headquartered in San Jose, CA. Learn more at: http://prognocis.com of follow us on twitter @prognocis

PrognoCIS is “More than a Great EHR”.
### Reported by PRWeb 1 day ago.

Newt Gingrich Says Jared Kushner Could Get Around Federal Anti-Nepotism Law

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President-elect Donald Trump’s son-in-law, Jared Kushner, could probably get around the nation’s anti-nepotism law for federal employees and take a job in the White House, Newt Gingrich said Wednesday morning.

Kushner, who during the campaign reportedly served as a de facto campaign manager, is currently a member of the Trump transition’s executive committee. According to various reports, Kushner is considering taking a formal role in the administration.

A federal anti-nepotism law bars public officials, including the president, from hiring family members. The law applies to those related by marriage as well. But the family could figure out a way around that, the former House speaker told Fox News. 

“I think they would have to get a waiver to the anti-nepotism law,” he said. It “might be a little tricky, although I think if they worked at it, they could do it.”

The law does not provide for a waiver process to clear otherwise-barred job candidates. However, the D.C. Court of Appeals upheld President Bill Clinton’s appointment of Hillary Clinton to a health care task force in 1993. Although that decision recognized that a first lady has certain official duties and a staff, which Kushner would lack, it hinted that unpaid roles might not be covered by the anti-nepotism law.

The New York Times reported on Nov. 17 that Kushner had discussed the nepotism restriction with a lawyer, and believes that by forgoing a salary and putting his own real estate holdings and the newspaper he owns, The New York Observer, into a blind trust, he could join the administration.

Beyond his own business conflicts, Kusher’s brother, Joshua Kushner, co-founded Oscar, a health insurance company that operates solely on the state exchanges created by Obamacare. Trump campaigned on repealing Obamacare entirely. But this conflict alone isn’t enough to keep Kushner from the White House, former George W. Bush ethics lawyer Richard Painter told HuffPost last week.

The Wall Street Journal reported the same day that Kushner was likely to take an administration job “along the lines of senior adviser or special counsel,” but was also considering informally advising the president.

Ethics lawyers who have served in both Democratic and Republican administrations told the Times that taking an unpaid, but formal, role would violate the law. Trying to get around the law by not paying Kushner “would be treading upon very serious statutory and constitutional grounds,” said President Barack Obama’s transition ethics counsel, Norman Eisen.

Painter told the Times that “you can try to wiggle your way around the law, but you’ve got to realize the political reality that this is prohibited under the statute.”

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

Illinois Stiffing Vendors To Fund Budget Deficits - It's A "Financial Time Bomb"

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Illinois Stiffing Vendors To Fund Budget Deficits - It's A Financial Time Bomb Anyone who has ever invested in distressed securities is intimately familiar with the many games that companies play to avoid a bankruptcy filing.  The easiest game, and the most obvious red flag for investors to spot, involves stretching out payables and managing down receivable days to build cash so you can live to fight another day.  While this may provide a temporary cash boost, it's typically the beginning of the end as vendors simply move payment terms to COD and the game quickly comes to an end.

Well, this is exactly the game that the state of Illinois seems to be playing right now to cover its budget shortfalls. As we just pointed out a couple of days ago (see "Illinois Pension Funding Ratio Sinks To 37.6% As Unfunded Liabilities Surge To $130 Billion"), with a $130BN pension underfunding and minimum annual contributions of $10BN, it's no surprise that Illinois needs every dollar they can squeeze out of vendors.

So, in response to their budget crisis, Illinois has done what every responsible, insolvent debtor does, namely raise more debt.  Under the program, Illinois vendors are able to sell their receivables to a consortium of lenders who have decided to provide seemingly perpetual loans to the state at a cost 1% per month.  As Reuters points out, the *balance of the program is currently around $13.5BN right now but is expected to surge to $47BN by 2022, or nearly double the amount of GO bonds the state has outstanding.  *



Political feuding between Republican Governor Bruce Rauner and Democrats who control the legislature has kept Illinois without a full operating budget since July 2015, contributing to a doubling of the unpaid bills backlog. *The amount of overdue bills could reach $13.5 billion, or 40 percent of available operating revenue*, when the current fiscal year ends June 30, the Rauner administration has projected.

 

*Come fiscal 2022, the backlog is projected to balloon to $47 billion*. No other U.S. state defers payments to the extent Illinois does to manage cash flow, credit-rating analysts said.

 

The one-of-its-kind, bill-payment program seeks to avert the nightmare scenario for a state in the worst financial shape in the country: a shutdown of essential services such as employee health insurance, a disruption of prison food supplies or mothballing of state trooper cars in need of fuel and maintenance.

 

*“I don’t think there is any other alternative for us,”* Illinois Central Management Services Director Michael Hoffman told a legislative panel in May.

 

*The state's negative credit outlook means its $26 billion of outstanding GO bonds could lurch closer to the junk level if the growing unpaid bill pile impairs its ability to provide essential services,* affects debt payments and inflates its already huge $130 billion unfunded pension liability.



And, of course, interest payments on the ballooning debt balance is skyrocketing.

 

And, like any good Illinois public project, this one comes with a healthy dose of corruption and favors to political insiders.



The firms include financial institutions such as Citibank N.A. (C.N) and Bank of America Corp (BAC.N), *a distressed debt investor tied to a Rauner campaign donor, and political insiders, including Hillary Clinton's 2008 campaign manager and a former two-term Republican Illinois governor.*

 

Lindsay Trittipoe, majority investor of the second-largest consortium, Illinois Financing Partners LLP, told Reuters his group was performing a vital function rather than exploiting the state’s financial miseries.

 

*"Our money is flowing into the market, helping the wheels of commerce to keep working,"* he said.



We're rusty on our 7 step plan, how long does the "denial" phase typically last? Reported by Zero Hedge 22 hours ago.

Insurance firms to control state officials' health insurance

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The finance minister has agreed to let insurance firms provide health coverage for state officials, in a move to control soaring costs. Reported by Bangkok Post 10 hours ago.

United States: HHS Issues Guidance On Cloud Computing And HIPAA - Jones Day

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HHS published guidance explaining obligations for covered entities and business associates when using cloud services providers under the Health Insurance Portability and Accountability Act. Reported by Mondaq 5 hours ago.

Why No One Says 'Butterball' At The Trump Family Thanksgiving

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Mar-a-Lago: Goodyear Satire Co.

All the people, and the Jews, arrived at Mar-a-Lago in holiday splendor.

The Trump women and men wore matching leopard fur coats. "It was a great hunting trip," reminisced Donald Trump, Jr.

The Guests

The cheerful President-Elect greeted his daughters, silently rating each on a 1-10 scale, as he had always done. "They're all elevens," Donald thought, "Thanks to my superior genes," not sharing any credit for his trophies with his trophy wives.

There were of course no Muslim guests. According to Trump family tradition, soon to be codified into federal law, Muslims can't celebrate American Thanksgiving.

The guests sat around the sumptuous table as legal aliens briskly served the appetizers. They had the touch of glee that comes with a job, not knowing The Trump Foundation, sponsors of the banquet, would shortchange them on wages, daring them to sue. "This'll look great on your resume," Maitre d' Chris Christie would later tell them on their impoverished way out.

White Wines

A joyously rotund chief of staff Steve Bannon brought white wines and white whines to share. He was accompanied by a phalanx of alt-fourth reichtists, who took their stations every six feet, each under a gilded portrait of Our Glorious Leader.

As the banquet began, the Lord Don gave the traditional family blessing. "O Me, thank Me for the gifts of My bounty which you enjoy at My table. As I have provided for you in the past, so may I sustain you throughout your lives. While you enjoy My gifts, may you never forget the needy and those in want. But if you spend a dime of My money on them, I'll cut you."

Donald's toast received a well-deserved standing ovation. Melania was moved to tears by the invocation, or else she sat on a piece of zucchini, or maybe that was coincidence.

The Butterball Incident

Everyone had their own personal turkey so they could be assured of getting all the fowl body parts they wanted. Donald had the biggest bird, which seemed even larger in his miniature hands. After the bird heard it was going to be the President-Elect's meal, it was shot trying to flee.

Nobody dared utter the word "Butterball" because of the unfortunate incident last year. When one of the lesser relatives said The Word That Cannot Now Be Spoken (Butterball), Donald reflexively turned around, thinking the child was calling out to him. That dinner ended early, and the child was banished, along with his health insurance, college fund and family inheritance.

The child learned you cannot use the word "butterball" around a fat orange man with a golden crust of hair, lest he take it as a personal insult.

The talk at the dinner table centered around the campaign. They reminisced about joyful plans to deport Mexicans and Muslims, chants of "build the wall" and "jail her now" and the beatings of liberal protestors, good times.

Thanks were given to the campaign staff and the voters, deplorable or not Someone mentioned the word God for the first time in anyone's memory. Jared Kushner tried to explain the concept under the watchful, and wary, Bannon glare. No one seemed to follow the discussion except the servers.

As the guests left, Donald decreed that the leftover turkey would be donated to The People in exchange for a generous helping of tax deduction stuffing.

And everyone knew that this would not be the last time that Donald gave America The Bird.
Photo Credit: Donald Trump Arizona 2016 via Wikimedia Commons

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Democratic Party Leaders Have No One To Blame But Themselves

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We Americans recently survived another "most important election" of our lifetimes that lasted over 18 months and did little but assaulting our ears and intelligence. The campaigns tied-up valuable resources and distracted the nation from the real problems: chronic underemployment, wide-spread low wages, increasing health insurance deductibles, and the overall deterioration of our education system and respect for human rights as best illustrated by the hateful campaign rhetoric of candidate Trump that apparently perfectly resonated with many voters.

In the midst of all this, similar to previous elections, we progressives were tasked with the responsibility to help the Democratic Party succeed. There was apparently no other way, and increasing party performance was somehow not an option. Therefore, our votes had to be sacrificed, at the expense of exercising our right to vote freely. When we questioned how many times we were supposed to vote for someone against our conscience as in the case of voting for candidate Clinton, our fellow Democrats told us that this time it was different; that Mr. Trump was very dangerous and could overturn much of the progress we made as a country. If voters complied, coincidentally, the Democratic Party would have benefited from it; one of the two parties that brought us to where we were by successfully keeping out competition and effectively silencing third parties. However, the situation was allegedly so pressing that no responsible citizen could possibly choose otherwise. In the 2016 elections, this statement was and still is most likely true. However, that is why the Democratic Party leaders should have not cried wolf at every election.

By the time November 2016 came, it was already too late. Individuals for whom the message was intended were too desensitized by hearing it over and over again; rightly so, because they were fooled by the Democratic Party too many times. Therefore, many progressives refused to comply. Many of them voted their conscience, instead of voting for the "lesser of the two evils." Additionally, only approximately 58 percent of the registered voters turned out to vote. In 14 states, more people voted for the senate races than for the presidency. Among them were 87,810 voters in Michigan who cast a ballot, but did not cast a vote for president. Of the voters who voted for president, approximately half voted for Secretary Clinton and the other half for president-elect Donald Trump. Among the voters for Ms. Clinton were many Republicans who simply could not bring themselves to vote for a racist, sexist Donald Trump. Among the voters were also progressives who voted for Secretary Clinton, not because she was their candidate, but because she was the "lesser of the two evils." However, Secretary Clinton and subsequently, the Democratic Party, still lost.

Instead of taking the time to reflect and admit just how low the Party must have sunk for this scenario -- having one of the most qualified individuals running for president against an unfit, openly racist Donald Trump and still losing -- to happen, supporters and leaders were quick to point fingers at anyone else, but themselves. Ms. Clinton and Senate Minority Leader Harry Reid blamed the FBI Director Mr. Comey. Frustrated Democrats blamed their fellow Democrats and other progressives for not voting for Ms. Clinton. However, the winner of the blame game was the frustration over Donald Trump losing the popular vote, but still becoming the president-elect. Subsequently, initiatives to get rid of the Electoral College followed. Even though due to its racist roots, discussions about the Electoral College are well granted, the context of the discussion is troubling -- ensuring that the Democratic Party secures its place as a winner at all cost, without having to improve conduct or performance.

To date, Americans continue to be successfully entertained and distracted in this manner. We will see how long the situation continues before this distraction fades and another emerges, while the middle class continues to deteriorate, the two leading parties do little to get back in touch with their voters, and a President Donald Trump and his cabinet overturns progress made by many decades.

However, regardless of what happens in the next four years, for losing this election, the Democratic Party leaders have no one to blame but themselves.Ms. Dudek is a former member of the Democratic Party in Michigan. She has actively campaigned for many progressive candidates and volunteered for the Democratic Party in Kalamazoo, Michigan. She pursued public office in Washington, D.C. in 2010. She regularly contributes to various German and English-language sources such as Huffington Post and The Hill. A Boren Forum alumna, Ms. Dudek received The National Security Education Program (NSEP) award in 2014.

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Donald Trump's New "Health" Secretary Wants to Destroy Medicare

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Donald Trump ran for President on a promise, repeatedly made, not to cut Social Security, Medicare, or Medicaid. He knew very well that this was a huge departure from the position of other Republicans, particularly House Speaker Paul Ryan and his fellow-travelers. Back in March, Trump drew an explicit contrast:
"You know, Paul [Ryan] wants to knock out Social Security, knock it down, way down. He wants to knock Medicare way down. I'm not going to cut it, and I'm not going to raise ages, and I'm not going to do all of the things that they want to do. But they want to really cut it, and they want to cut it very substantially, the Republicans, and I'm not going to do that."
Now that Trump is elected and no longer needs votes, it is clear that he was either lying or has become the puppet of Ryan and the rest of the Republican elite who have always hated Social Security and Medicare. In a sign that Ryan may be calling the shots, Trump has just announced that he is making Tom Price, one of Ryan's top lieutenants, his Health and Human Services Secretary.

Price succeeded Ryan as chair of the House Budget Committee in January of 2016, and immediately put Social Security in his cross hairs. He said that raising the retirement age, cutting middle class benefits through means-testing, and privatizing Social Security should all be "on the table and discussed" -- classic Washington-speak for "I favor the ideas but want political cover, because my constituents hate them." He also led Republicans in an unsuccessful effort to force unpopular and cruel cuts in Social Security disability benefits.

Price's record on Medicare is equally Neanderthal -- though that is probably being unfair to Neanderthals, who were not backward the way that Price is. Indeed, he actually said that "nothing has had a greater negative effect on the delivery of health care than the federal government's intrusion into medicine through Medicare" and "we will not rest until we make certain that government-run health care in ended."

It is disturbingly clear that Price wishes Medicare had never come into existence and will do everything he can to destroy it. Given Medicare's proven success - its low administrative costs, its efficient coverage of those with the greatest medical needs and costs, and its enormous popularity - it is no wonder that an anti-government zealot like Price hates the program. Medicare clearly demonstrates that there are some jobs - provision of health insurance, to name one - that the federal government does better than the private sector. The mere existence of Medicare and Social Security put the lie to Price's ideology that everything should be privatized.

Those determined to destroy Medicare are wasting no time. Right after the election, Paul Ryan falsely announced that repealing Obamacare requires "reforming" Medicare. Not only is this a lie, it is the height of hypocrisy: Ryan's proposal turns Medicare into Obamacare. (It makes one wonder: The Affordable Care Act was a boon to insurance companies, forcing all Americans to purchase their product. Is this Ryan's way of ensuring that they continue to have a captive market? But I digress...) Price, ever the loyal Ryan lackey, said that he planned on implementing Medicare privatization "six to eight months" into the Trump administration.

Now, Price may soon be in an even more powerful perch to destroy Medicare. Even before nominating him, Trump signaled that he was with the Ryan program. His campaign manager and senior adviser said that her boss was "open to hearing" Ryan's plan. Seems that Trump has picked up that Washington-speak pretty fast.

And now he nominates Tom Price. The writing on the wall is clear for any but those determined not to see. Trump's comments, made through his spokesperson and his selection of Price for his cabinet, along with a Social Security transition team packed with people who support privatizing the system, makes clear his true intentions.

Though I and others warned during the election that Trump would destroy Social Security and Medicare, it was hard for the electorate to hear the message because the mainstream media preferred not to focus on issues, and Trump's "no cuts" promise muddied the waters for those who did hear. Now the American people are in danger of finding out the hard way.

Whether Trump never intended to keep his hands off Medicare or is simply caving to Ryan, the American people need to hold him accountable and demand that he keep his campaign promise. That starts with insisting that Trump revoke his nomination of Price, and if he refuses, demanding the Senate not confirm him. (Moderate Democrat Joe Donnolly has already announced that he will oppose Price. If Democrats stand united, it only takes three Republican Senators to reject the nomination.)

Like Social Security, Medicare is overwhelmingly popular with Republicans as well as Democrats and Independents. No one voted to destroy Medicare. If that is what Republican politicians want, they should have the courage of their convictions. Don't act in the dead of night, as they appear to be planning to do. Rather, seek a mandate to destroy Medicare by running on that position in 2018. Romney-Ryan tried that in 2012, and we all know how that turned out.

Nancy J. Altman is founding co-director of Social Security Works. Join SSW in telling Donald Trump, Paul Ryan, and Mitch McConnell to keep their hands off the American people's earned Social Security and Medicare benefits.

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An Open Letter to Dr Tom Price

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Dear Dr. Price:
As the appointee to head the US Department of Health and Human Services under the new Administration of Donald Trump, I believe I speak for millions when I say we are worried about what you will do to our health care.

You are a doctor and a member of Congress. It is unlikely that you have had to face the kind of problems most Americans encounter when they need health care coverage or care. When was the last time you had to wait on hold for someone to answer the phone at your doctor's office or wait in a reception area for your doctor to see you? You probably got treated right away because you are important. The rest of us? Not so much.

So while you know a lot about legislation and a lot about orthopedic surgery, I would venture to say you don't know a lot about what it's like to have a desperately ill child without insurance or feel the gut-wrenching fear of not being able to pay your health care bills.

Repealing the Affordable Care Act (aka Obamacare) is your first priority we have heard. Replacing it with something "wonderful" is what the President-elect has promised us. But if you think giving us money and sending us out to negotiate with the health insurance industry is wonderful, you and the President-elect are going to have a BIG surprise. You see, most of us don't understand insurance. We don't know much about the fine print of deductibles, co-payments, annual maximums, things that are not covered, and complicated ways to appeal decisions we didn't understand anyway. What we DO understand is that you have promised us something wonderful, and it may be hard to deliver. I suspect you will be shocked at the blowback you will receive especially when seniors realize that they no longer have the Medicare they are accustomed to. We are not likely to be fooled by your fine rhetoric about "freedom of choice" or the wonders of the private insurance market.

Try taking away the guarantee of a "defined benefit" in Medicare and replacing it with a "defined contribution." (You know what that means. Most Americans don't.) What it really means is taking away the benefits we have under Medicare or the ACA (e.g. "essential benefits" that include prevention and physical therapy, etc.) and replacing them with a little check from the government that says "you're on your own, sucker. Go out and find a good health plan."

You have a very heavy responsibility now, Dr. Price. No more Obama to blame things on. Replacing the ACA and keeping Medicare and Medicaid stable are going to be much tougher than you ever dreamed. It will be even tougher for you because there are so many millions of us watching your every move. Good luck.

Sincerely,
Me and a whole lot of other people

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The Lesson From This Election Shouldn’t Be To Elect More White Men

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After Hillary Clinton’s loss at the top of the ballot on Nov. 8, some Democrats have begun wondering where we go from here, what course we need to chart, and if we need new leadership to steer us into a brighter future. These are decisions our party must not take lightly because there is more at stake than just who will lead us. We’ll be choosing our party’s very identity through the makeup of who we put in charge.

Recently, Ohio Congressman Tim Ryan announced he would challenge current House Minority Leader Nancy Pelosi in the leadership elections they will be holding later this week. His assertion is that after Hillary Clinton and Democrats lost Midwestern voters in this year’s election, we need a new face, one that they can relate to more in our top position. And while I respect Rep. Ryan’s opinion that he would make a better Minority Leader than Rep. Pelosi, I strongly disagree.


Even though women make up more than 50 percent of the population, Leader Pelosi is the only woman in a party leadership position in Congress.

The last thing we need in our leadership is one less woman and one more white man. Almost all of our congressional leaders are already white men. In fact, on the Republican side, out of all of their party leadership and committee chairs, there is only one woman. She chairs House Administration, which is basically the secretarial committee. Even though women make up more than 50 percent of the population, Leader Pelosi is the only woman in a party leadership position in Congress. We should be trying to put more women like Leader Pelosi into these positions of power, not remove the only one we have.

Nancy Pelosi made history when she became the first female Speaker of the House in 2007. Under her leadership, the 111th Congress was one of the most productive in recent history. She used her position to help usher through the American Recovery and Reinvestment Act which saved hundreds of thousands of families struggling in the wake of the recession, protected and created millions of new jobs and safeguarded American industries. She was one of the chief champions of President Obama’s Affordable Care Act, which gave more than 15 million Americans access to reasonably-priced, quality health insurance, including the previously uninsurable pool of people with preexisting conditions. It also granted free annual exams and birth control to American women, expanded and strengthened Medicare and Medicaid and cut the waste, fraud and abuse rampant in the insurance industry. Speaker Pelosi also tackled Wall Street reform, which helped America to rein in big banks and protect our country from facing another recession. She passed groundbreaking energy and environmental policies that raised efficiency standards, combated climate change and created thousands of cutting-edge, green jobs that will lead our country into the future. It’s safe to say that Nancy Pelosi wasn’t just a good Speaker, she was a great one.

Outside of her duties as Speaker or Minority Leader, I also know Nancy Pelosi to be a staunch advocate for women running or who want to run for office. She regularly commits her time and money to female candidates and the organizations that serve them like mine. She understands that building the political pipeline starts at the grassroots level and has given her time to help local and state candidates in our home state of California and across the country. She’s the kind of leader we desperately need more of in the Democratic Party.

As Democrats begin to look towards the future about what we need to change in our party and what is working, I highly recommend they look at Nancy Pelosi as the latter. While Trump’s unprecedented rhetoric might have appealed to enough white men in the Midwest to tip the scales in his favor, we shouldn’t remake the face of Democratic leadership to appeal more to them. We should keep and support women like Nancy Pelosi who work so hard to do what’s best for our country every day. The Democratic Party’s future is with women and with Nancy.type=type=RelatedArticlesblockTitle=Related... + articlesList=582e0f74e4b058ce7aa9f09f,582b4a47e4b0aa8910bd1570,582de4e0e4b030997bbdeb77

-- 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 1 day ago.

BERNIE: Trump's pick for health secretary proves what he said were 'just lies'

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BERNIE: Trump's pick for health secretary proves what he said were 'just lies' Bernie Sanders is going after President-elect Donald Trump for his pick to lead the Department of Health and Human Services.

In a statement Tuesday, the former Democratic presidential candidate said Trump's selection of GOP Rep. Tom Price as the department's secretary went against the president-elect's campaign promises.

During the campaign, Trump said he would not touch various entitlement programs such as Medicare and Medicaid, which Sanders said were "of life-and-death importance for millions of Americans."

"Now, he has nominated a person for secretary of Health and Human Services, Rep. Tom Price, who has a long history of wanting to do exactly the opposite of what Trump campaigned on," Sanders said. "Rep. Price has a long history of wanting to cut Social Security, Medicare and Medicaid. What hypocrisy!"

Price has a history in the health sector as an orthopedic surgeon, and has proposed to repeal the Affordable Care Act, better known as Obamacare, and radically change the government-sponsored insurance programs.

Price has endorsed House Speaker Paul Ryan's plan for a privatized Medicare system, which would provide a grant to Americans to buy private health insurance instead of offering care through the government.

Given Trump's promises during the campaign and Price's positions, Sanders said the president-elect should rescind the appointment.

"Mr. Trump needs to tell the American people that what he said during the campaign were just lies, or else appoint an HHS secretary who will protect these programs and do what Trump said he would do," he said.

*SEE ALSO: Trump's new Cabinet pick wants to destroy Obamacare*

Join the conversation about this story »

NOW WATCH: 'That hypocrisy is also real' — Jon Stewart takes liberals to task for calling all Trump supporters racist Reported by Business Insider 2 days ago.

Tom Price appointment to head HHS met with pro-life applause

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Washington D.C., Nov 29, 2016 / 05:09 pm (CNA/EWTN News).- Pro-life groups praised President-elect Donald Trump’s announcement that he would name Rep. Tom Price (R-Ga.) to be the next Secretary of Health and Human Services.

“In particular, Rep. Price’s strong pro-life values and record to match make him the right man to reform an agency that has been marred by its aggressive abortion agenda,” said Ashley McGuire, senior fellow with The Catholic Association.

“We are confident that Rep. Price will finally put an end to the anti-religious liberty HHS mandate, as well as introduce comprehensive reforms to restore the agency as one that genuinely promotes health care that respects human life and dignity,” she said in a statement.

As a member of Congress, Price has received a 100 percent rating from the pro-life group Susan B. Anthony List. Before his time as a six-term congressman, Price was an orthopedic surgeon who also taught doctors-in-training at the Grady Memorial Hospital in Atlanta.

“There is much work to be done to ensure we have a healthcare system that works for patients, families, and doctors; that leads the world in the cure and prevention of illness; and that is based on sensible rules to protect the well-being of the country while embracing its innovative spirit,” he stated on Tuesday.

While in Congress, Price sponsored a bill that was the Republicans’ answer to the Affordable Care Act. The Empowering Patients First Act of 2015 sought unsuccessfully to repeal the health care law and replace it with a new policy.

The Susan B. Anthony List hailed the “excellent choice” of Rep. Price on Tuesday, noting his “pro-life record” and his efforts in Congress to defund Planned Parenthood.

“As HHS Secretary, he will play a key role in developing a robust health care reform proposal that protects life and consciences, while promoting options for low-income individuals and families,” the group added.

Price’s appointment is significant for two reasons. If he replaces the current health care law, his policy could impact millions, especially those who purchased insurance on the state exchanges, received federal subsidies for insurance, or obtained coverage through Medicare.

Additionally, Price’s department could do away with the law’s controversial mandate that virtually all employers must contraceptives, sterilizations, and abortion-inducing drugs in their health plans.

Price’s Empowering Patients First Act of 2015 would have replaced the health care law’s insurance mandate with tax credits for buying insurance. It would have prohibited insurers from denying coverage to patients with pre-existing conditions, provided they had 18 continuous months of coverage preceding their plan switch. And it would have allowed for federal grants to states with high-risk insurance pools.

Regarding these “high-risk insurance pools,” they were previously set up in 35 states before the health care law, but were “basically health insurance ghettos for people with pre-existing conditions – and expensive, poor quality ghettos at that,” wrote Sabrina Corlette of Georgetown University’s Health Policy Institute, in a Nov. 16 blog post.

This was because the pools only included people with serious health conditions, and so the insurance costs were high, she explained. The coverage was also “limited” and “high-deductible,” which meant that patients had to pay a lot out-of-pocket for medical expenses before their insurance kicked in.

Regarding the health care law’s birth control mandate, which spurred lawsuits from hundreds of religious non-profits and business owners claiming it infringed upon their religious beliefs, Price, in 2012 told a reporter “this is a trampling on religious freedom and religious liberty in this country.”

His 2015 bill would do away with such a mandate, along with all similar religious freedom conflicts: “Prohibits discrimination against any individual or health care entity that does not provide, cover, or pay for abortions, and allows for accommodations of the conscientious objection of a purchaser or health care provider when a procedure is contrary to the religious beliefs or moral convictions of such purchaser or provider.”

CNA reached out to Rep. Price’s office for further comment, including what he would do about the mandate as HHS Secretary, but did not receive a reply by deadline.

The U.S. Bishops’ Conference has spoken out about health care in the past, ultimately disapproving of the 2010 health care law because of concerns that taxpayer dollars would fund abortions in the plans set up under the law.

However, the conference approved of the law’s expansion of Medicaid in the states and its goal of affordable health coverage for all.

“For decades, the bishops have consistently insisted that access to decent health care is a basic safeguard of human life and an affirmation of human dignity from conception until natural death,” a 2013 statement by the bishops’ Office of Domestic Social Development read.

“They have advocated that health care reform legislation should 1) ensure access to quality, affordable, life giving health care for all; 2) retain longstanding requirements that federal funds not be used for elective abortions or plans that include them, and effectively protects conscience rights; and 3) protect the access to health care that immigrants currently have and remove current barriers to access,” the statement continued.

In November 2009, the bishops’ conference wrote in a letter to the U.S. Senate, “The bishops support the expansion of Medicaid eligibility for people living at 133 percent or lower of the federal poverty level.”

  Reported by CNA 2 days ago.

A year after getting help, Napa family counting its blessings

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Watching 3-year-old Xavier Pequeño race around the house in a pair of Minions socks, one would never guess that he spent last Christmas in hospital isolation following a bone marrow transplant made necessary by a rare and deadly immunodeficiency condition. “I’m so fast!” he yelled as he zoomed across the living room of his family’s Napa home on Monday, drawing a peal of laughter from his mother, Jessica. The condition is known to have affected just a handful of children worldwide — and only one has survived into teenage years. When the Pequeño family was featured in The Chronicle’s Season of Sharing series last winter, Xavier’s family was packing for an expected four- to six-month hospital stay after his operation. Before Xavier’s illness, Jessica had worked in marketing for a wine company and her husband, Higinio, worked as an interior design installer. With Mom managing Xavier’s health care full time and Dad unable to work, the family moved into a smaller home with Jessica’s mother, both for the support and lower rent. Money from the Season of Sharing fund helped them to cover their rent for several months while they got back on their feet. Today, Jessica said, she tries to share her story so people can understand how easily life’s circumstances can become complicated. Xavier’s brother, Higinio, has been in therapy to deal with the emotional aftermath of his brother’s operation. [...] Jessica knows she will need to find a job with great health insurance, because when she returns to work her income will make the family ineligible for much of the assistance they currently receive. “You’re a lot of work,” Jessica told him with mock sternness as they sat on the floor, playing with a Captain America action figure. For the past 30 years, the Chronicle Season of Sharing Fund has helped more than 100,000 Bay Area individuals and families facing an unexpected life crisis. Fund, in 1986. [...] the Chronicle Season of Sharing Fund has distributed $113 million to help those living in the Bay Area. Each year, the fund provides temporary assistance to approximately 4,500 families, allocating most of its grants for housing needs, as well as paying for other critical necessities such as essential furniture for families recovering from a fire in their home or helping to purchase a wheelchair. Reported by SFGate 2 days ago.

California fines Zenefits $7 million, more than any other state

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The California Department of Insurance has fined Zenefits $7 million for several licensing violations. Insurance Commissioner Dave Jones, whose office began investigating the company in 2015, charged the San Francisco HR software startup with allowing unlicensed employees to sell health insurance. The startup is also getting charged a $160,000 fee that goes toward the department's investigation expenses. Zenefits has in the last year been charged with similar violations in a handful of different… Reported by bizjournals 2 days ago.

2016 HR+SS Compensation Study Reveals: CEOs of BCBS Organizations Deliver Unexpected Bang for the Buck Relative to the CEOs of Large Public Health Insurance Companies

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According to a recent study by HR+Survey Solutions (http://www.hrssllc.com), a specialty compensation consulting and research firm, CEOs at regional Blue Cross and/or Blue Shield companies yield as much in revenues per dollar of CEO pay than their much larger publicly traded counterparts.

Reading, PA (PRWEB) November 30, 2016

With the hyperbolic escalation of health insurance premiums, those who purchase insurance (both companies and individuals) are highly concerned about the administrative costs of health insurance companies. Executive compensation is front and center of the scrutiny. So how has pay changed for the corporate leaders since 2013 (the first year of implementation of the Affordable Care Act – also known as Obama Care)?

Insurance premiums are increasing faster than salaries for most Americans, but is this also the case for corporate leaders? The salaries of Chief Executive Officers at Blue Cross and/or Blue Shield (BCBS) organizations went up an average of 2.5% annually since 2013; this is less than the typical merit budget of 3%. Total cash (salary plus annual bonus) levels for these CEOs increased at an annualized rate of 6.4%. Actual Total Direct Compensation (salary + annual bonus earned + payments of long-term bonuses) increased by an average annualized rate of 9.5% according to a recent study by HR+Survey Solutions (http://www.hrssllc.com), a specialty compensation consulting and research firm.

By way of comparison, for the Chief Executives at the larger publicly traded companies, salaries have increased by an average of 6.3% per annum, total cash compensation has increased by an annualized rate of 18.8% and total direct compensation has increased by an annualized average of 26.1% based on a review of proxy filings.

In addition, pay levels for Chief Executives of the BCBS organizations are still far less than the average pay enjoyed by their counter parts of the public insurance companies. The study revealed that the average total direct compensation (TDC) for the CEOs of the BCBS organizations is only about one fifth (20 percent) of the average level of pay reported in proxies for the large publicly held health insurance companies.

BCBS vs Public Health Insurance Cos CEO Pay Differentials:· Salary: 16% Below Public Companies
· Total Annual Cash: 46% Below Public Companies
· Total Direct Compensation: 80% Below Public Companies

This gap in pay is primarily due to the annual and long term incentives paid to the CEOs. Variable pay (annual and long-term incentives, including stock options) accounts for over 90% of the CEO pay packages of the public companies compared to approximately 67% of the CEO pay packages at BCBS organizations.

This raises the question, is the pay for the CEOs at these companies appropriately calibrated given the differences in company size? This was tested using two metrics: (1) Revenues Generated per Dollar of CEO Total Direct Compensation, and (2) Total Direct Compensation Paid to the CEO per Member. One might expect that the larger companies would come out on top as a result of economies of scale, but that is not the case.
An analysis of the larger regional BCBS insurance companies revealed that they generate almost exactly the same revenues per dollar of CEO pay as the large public companies. Despite being significantly smaller, the BCBS organizations’ revenue per dollar of total direct compensation was 94% of the publicly traded health insurance companies.
The total direct compensation paid to the CEO per member at the larger private BCBS organizations is 76% of the amount paid to the CEOs of the publicly traded companies. So, on average, CEO pay costs less per member at the BCBS organizations than at larger publicly traded companies.

Average Revenues per Dollar of CEO Total Direct Compensation    · BCBS: $3,049
· Public Health Insurers (HI): $3,247
· BCBS as a % of Public HI: 94%

Average CEO Total Direct Compensation per Member· BCBS $1.20
· Public Health Insurers $1.58
· BCBS as a % of Public HI 76%

These findings are based on the eleventh annual Executive Total Potential Remuneration (TPR) Compensation, Benefits and Perquisites Survey which assessed pay for the CEO and other executive and management positions at 21 Health Insurance organizations, including 18 BCBS organizations.

“Blue Cross and/or Blue Shield organizations are a great example of how companies can provide targeted regional health insurance solutions and effectively manage their resources,” says Judy Canavan, managing partner, HR+Survey Solutions.

The shift in CEO pay at the Blues has been more toward variable compensation over the last five years. Annual and long-term incentives comprised about 67 percent of the pay package in 2015, up from 56 percent in 2012, and well up from the 46 percent level in 2007. This is still less leveraged than the larger publicly held companies where the incentives represent over 90 percent of their compensation package. Long-term incentives alone comprise 75%, on average, of total direct compensation. It is also important to note that long term incentives are paid almost exclusively in long term cash at the Blues, while the public companies favor stock based plans.

“Because most BCBS organizations are not-for-profit or mutual companies, their strategic focus is on providing valuable products for their policy holders and creating and maintaining a strong provider network; these goals are embedded in their incentive plans,” explains Canavan. “Conversely, publicly traded health insurance companies have shareholder return as their number one priority (through the use of stock-based incentives). Though it is not clear if generating value for shareholders benefits the policy holders or the providers,” she adds.

Other study highlights    · All participants in the study utilize an annual incentive plan for their executives and managers.
· Target annual incentives have changed very little over the last three years, on average, for the CEO position.
· The vast majority of the study participants (90 percent) have a long term incentive plan – the prevalence of LTI has remained fairly constant over the last five years.
· The larger BCBS plans tend to have more pay at risk than the smaller plans (67 percent variable pay versus 44 percent for smaller plans).

About the methodology
The 11th annual Total Potential Remuneration Survey (TPR Survey) was published by HR+Survey Solutions in August, 2016. A total of 21 Health Insurance organizations, including 18 Blue Cross and/or Blue Shield organizations participated, with 44 executive and management positions covered. The TPR Survey assesses compensation packages including salary, benefits, executive perks, long and short-term incentives, SERPs, and severance agreements, among other values. If you are interested in participating in the 2017 Total Potential Remuneration Survey, contact Judy Canavan at 866-252-6788 x902 jcanavan@hrssllc.com.

About HR+Survey Solutions
HR+Survey Solutions conducts annual industry and custom client surveys and provides organizations with expert advisory services focused on compensation plan design and assessment of appropriate compensation levels. Please visit http://www.hrssllc.com for more information.

Note: This study was conducted by HR+ Survey Solutions, with no affiliation or sponsorship by the Blue Cross and Blue Shield Association or other Blue companies. Reported by PRWeb 1 day ago.

Consumer Reports: Save Money and Get the Best Care from Your Health Plan

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New Ratings Help Consumers Navigate Tools, Compare Cost and Quality of Doctors, Hospitals, and Services

Yonkers, NY (PRWEB) November 30, 2016

Staying on top of health care costs has never been more essential as consumers face higher deductibles, more restrictive lists of healthcare providers and soaring drug costs. To help consumers navigate their options, Consumer Reports (CR) examined the websites, including online cost estimator tools, offered by New York health plans. These tools, which are available at many health insurance plan websites, allow New Yorkers to determine their out-of-pocket expenses, for doctors, hospitals and other medical providers and services, to help manage their out-of-pocket spending. Many of the sites also provide a view into the quality of the doctors and hospitals in the insurer’s network.

Determining the cost of a test, procedure or drug can be daunting. Costs can vary significantly and depend on a number of factors that make it complicated and challenging for consumers to find the information they need. CR’s article – “How Much Does That Doctor’s Visit Cost?” – examines the benefits of these tools, explains how to use them and outlines why they are more important than ever.

“With health care costs on the rise, it’s more important than ever for consumers to be informed,” said Doris Peter, PhD, Director of the Consumer Reports Health Ratings Center. “The results of our research demonstrate that there is a wide range of performance in the tools offered by insurers that operate in NY State and that there are major gaps that need to be addressed. Even more concerning is that some insurers don’t offer a tool at all.”

CR looked into these kinds of tools from 11 health insurance companies that do business in New York, plus five standalone websites open to all that offer similar services. Just like there is variation in the quality of healthcare, CR found that there is wide variation in the quality of tools offered to consumers (see below for Ratings). For the health plans, plans received Overall Scores that ranged from a low of 38 (Independent Health) to a high of 84 (Cigna). Importantly, however, CR found that three NY-only plans (BlueShield of Northeastern NY/BlueCross BlueShield of Western NY; MVP Health Care; Excellus) performed well (in the 70s).

The lower-scoring plans had common gaps, showing lower scores on ease of use, functionality, and content. They lacked clarity, lacked quality information for hospitals and doctors, did not facilitate the comparison of providers, nor did they aid consumers in identifying high-value providers.

For the stand-alone tools there was also a wide range in performance, from a low Overall Score of 28 (FAIR Health) to a high of 66 (Amino). Four of the 8 tools did not present an out-of-pocket estimate to users -- something consumers said was important to them. Only three tools had price estimates that were specific to users’ insurance plan, three tools did not have pricing data at the doctor, or hospital level, and two tools did not use the most reliable source of pricing information for their site. Only four tools had quality information about hospitals.

“Almost everyone of the consumers who tested these tools for Consumer Reports thought they provided at least some valuable information, even for the lower-scoring tools,” Peter said. “We strongly encourage consumers to log on to their health plan web site, and try out the cost estimator tool their plan offers.”

Consumer Reports Recommends the following (see the issue brief for more recommendations):· Consumers should be able to obtain customized, accurate price and quality information from online cost estimators that enables them to compare costs between different providers, regardless of the particular health plan they are enrolled in.
· All cost estimator tools and health insurance company websites should meet high standards for ease-of-use and functionality, content, and scope and reliability, similar to those proposed in the CR Ratings methodology.
· Insurers can and should address the shortcomings of their cost estimator tools now to prepare for increased use in the future. More consumers are likely to use the tools as they face higher out-of-pocket costs and/or they are confronted with “surprise” medical bills.
· New York State should consider requiring all insurers to provide a high-quality cost-estimator tool, as a condition of participating in New York State of Health, and selling health insurance products in other segments of the New York marketplace.
· New York should explore ways to provide direct consumer access to price/value information through a single comprehensive price transparency website, using data from the All-Payer Database (APD) and other sources, similar to what New Hampshire and Maine do.

Ratings - Health insurance cost and quality tools

Overall Scores for 11 Rated plans

     Cigna - 84
     UnitedHealthcare - 82
     Aetna - 77
     BlueShield of Northeastern NY/BlueCross BlueShield of Western NY - 77
     MVP Health Care - 75
     Excellus - 74
     Anthem/Empire BlueCross BlueShield - 73
     Humana - 69
     Oscar - 69
     Fidelis Care - 40
     Independent Health - 38

Ratings - Stand-alone websites (Overall Score)

     Amino - 66
     CompareMaine - 65
     NH HealthCost - 63
     CO Medical Price Compare - 44
     Guroo - 41
     MDsave - 40
     Healthcare Bluebook - 37
     FAIR Health - 28

How to Use Your Health Insurer’s Cost Calculator Tool

Almost every one of the consumers who tested the tools said the information provided was useful, so CR outlines six simple steps to use them effectively:

     1. Set up a username and password.
     2. Get familiar with your plan’s benefits and rules.
     3. Use the tool to find providers – but verify the information.
     4. Comparison shop when you can plan ahead.
     5. Check for quality.
     6. Use stand-alone tools if your plan doesn’t have price information.

More information on New York health insurers’ cost calculators can be found in “How Much Does That Doctor’s Visit Cost?” featured at http://www.ConsumerReports.org and as a special insert
for residents of New York State in the January 2017 issue of Consumer Reports
magazine starting November 29, 2016.

Support for CR’s research on cost estimator tools was provided in part by the New York State Health Foundation (NYSHealth). The views presented in the article are those of Consumer Reports, and not necessarily those of NYSHealth or its directors, officers and staff.

About Consumer Reports
Consumer Reports is the world’s largest and most trusted nonprofit consumer organization, working to improve the lives of consumers by driving marketplace change. Founded in 1936, Consumer Reports has achieved substantial gains for consumers on food and product safety, financial reform, health reform, and many other issues. The organization has advanced important policies to prohibit predatory lending practices, combat dangerous toxins in food, and cut hospital-acquired infections. Consumer Reports tests and rates thousands of products and services in its 50-plus labs, state-of-the-art auto test center, and consumer research center. It also works to enact pro-consumer laws and regulations in Washington, D.C., in statehouses, and in the marketplace. An independent nonprofit, Consumer Reports accepts no advertising, payment, or other support from the companies that create the products it evaluates.
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JANUARY 2017
© 2016 Consumer Reports. The material above is intended for legitimate news entities only; it may not be used for advertising or promotional purposes. Consumer Reports® is an expert, independent nonprofit organization whose mission is to work for a fair, just, and safe marketplace for all consumers and to empower consumers to protect themselves. We accept no advertising and pay for all the products we test. We are not beholden to any commercial interest. Our income is derived from the sale of Consumer Reports®, ConsumerReports.org® and our other publications and information products, services, fees, and noncommercial contributions and grants. Our Ratings and reports are intended solely for the use of our readers. Neither the Ratings nor the reports may be used in advertising or for any other commercial purpose without our permission. Consumer Reports will take all steps open to it to prevent commercial use of its materials, its name, or the name of Consumer Reports®. Reported by PRWeb 1 day ago.

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