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No health insurance needed to see Dr. Chris Larson — an Austin physician at vanguard of new health care model

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Direct primary care abandons the "fee-for-service" model prevalent in American health care and instead asks patients to pay a monthly or annual fee for their treatment. That could result in savings for self-insured businesses, according to Dr. Chris Larson, who runs Austin's Euphora Health. Reported by bizjournals 11 hours ago.

CUNA Mutual Group Experiences Strong Traction with Online Term Life Insurance Product

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TruStage® Simplified-Issue Term Life Insurance Surpasses $500 Million in Policies Written with Availability in 49 States

MADISON, Wis. (PRWEB) July 13, 2017

TruStage , CUNA Mutual Group’s consumer brand, announced today that its simplified-issue term life product, unveiled in November 2016, has surpassed $500 million in coverage for customers spanning 49 states. TruStage is among the first insurers to the market with a term life insurance product that consumers can purchase entirely online.

Featuring an online, automated enrollment process that takes just minutes to complete, TruStage’s simplified-issue term life insurance product helps demystify and simplify life insurance for consumers. After answering just two health questions, a completely automated underwriting platform delivers an instant decision, with coverage face amounts of $5,000 to $100,000 to provide protection for home mortgages, children’s education, income replacement and final expenses. Consumers who prefer to purchase by phone can speak with a licensed agent to secure coverage with no additional paperwork required.

“The rapid adoption of TruStage’s term life product points to a very real market need for understandable, affordable and easily accessible life insurance,” said Susan Sachatello, senior vice president, TruStage. “Too many American families are uninsured or underinsured, leaving them vulnerable and at risk. We need innovative and consumer-friendly ways for people to protect their loved ones, and this starts with a life insurance process that puts the customer at the heart of the experience.”

Since protecting loved ones is often the life insurance buyer’s motivating factor, the online application asks for the name of the beneficiary at the beginning of the process. The application displays the beneficiary's name every step of the way to remind the buyer who they are protecting. The product also provides coverage options based on the buyer’s budget rather than forcing them to select a specific coverage amount.

“Our focus on the buyer experience requires us to meet consumers where they are—largely online. By creating a frictionless experience for our consumers, we’re able to help more families obtain the financial protection and security they need,” added Sachatello.

About TruStage:
Protecting more than 18 million members, TruStage insurance products and programs include auto, home, life, accidental death and dismemberment and health insurance. They’re available to consumers across the U.S. helping build financial security for their families. For more information, please contact TruStage at 888.888.0375 or visit http://www.trustage.com.

TruStage® Insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, a member company of CUNA Mutual Group and other leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by credit unions.

About CUNA Mutual Group:
CUNA Mutual Group helps people plan, protect and invest for their future – regardless of their financial standing. The company was founded more than 80 years ago by credit union leaders who were looking for an insurance partner they could trust. Today, CUNA Mutual Group helps credit unions and hardworking Americans build financial security through commercial and personal insurance products; lending and payment security solutions; and risk management, retirement, investment and marketing services. Additional information about the company can be found at http://www.cunamutual.com.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Life, accident, health and annuity insurance products are issued by CMFG Life Insurance Company and MEMBERS Life Insurance Company. Corporate headquarters are located in Madison, Wis.

### Reported by PRWeb 11 hours ago.

Ted Cruz amendment gets blasted by insurers as GOP prepares to release new health bill

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Ted Cruz amendment gets blasted by insurers as GOP prepares to release new health bill Republicans in the Senate are set to release an update of their healthcare bill as they work to find a way to repeal and replace the Affordable Care Act.

One attempt to attract conservative holdouts to the new version of the Better Care Reconciliation Act (BCRA) could be the addition of a Consumer Freedom provision, introduced by Sen. Ted Cruz and supported by fellow Republican Sen. Mike Lee.

But the plan drew backlash Wednesday from an influential group of insurers, who worried potential effects of such a provision on people with preexisting conditions.

The amendment would allow insurers to provide plans that do not comply with two major regulations of Obamacare: community rating and essential health benefits. Cruz and Lee have pushed it as a way to bring down premiums and open up choice in the individual market.

But an analysis by the Kaiser Family Foundation, a nonpartisan health policy think tank, said the amendment could cause the cost of plans that complied with those regulations to skyrocket as only those that were sick and needed the more generous coverage would buy them. 

From the study:

"The ACA-compliant plans would effectively become a high-risk pool, attracting enrollees when they need costly health benefits – such as maternity care, or drugs to treat cancer or HIV, or therapies to treat mental health and substance abuse disorders – and those with pre-existing conditions who are turned down by non-compliant plans or charged high premiums based on their health.  By contrast, non-compliant plans would attract healthier consumers, at least as long as they didn’t need coverage for such benefits.  Premiums from the healthier enrollees would not be pooled to help keep the price of compliant plans affordable."

Based on the number of people with preexisting conditions that were subject to rejection by insurers prior to the ACA, that could leave as many as 1.5 million people in the non-group market with prohibitively expensive plans, according to the analysis by Kaiser.

The provision also drew a rebuke from American Health Insurance Plans, a lobbying organization that represents some of the US's largest insurers. The AHIP said the Cruz proposal would create "an un-level playing field" and "unstable health insurance markets."

 "This is particularly true for patients with preexisting conditions—who would be most affected and potentially lose access to comprehensive coverage and/or have plans that were far more expensive, as premiums in the Exchange market would rise much faster than under existing market conditions and insurance options dwindle," the group said in a statement Wednesday.

The Cruz provision may not be added to for either political or procedural reasons. If that is the case, Cruz and Lee have suggested they would not support the legislation, a potentially crippling blow to its chances of passage.

*SEE ALSO: Ted Cruz's plan to save the Senate healthcare bill is gaining steam — but it might not fix Republicans' biggest problem*

Join the conversation about this story »

NOW WATCH: 'He started talking about blood coming out of her ears’: Joe Scarborough claims a red-faced Trump ranted about Mika Brzezinski in front of 20 congressmen Reported by Business Insider 10 hours ago.

New Healthcare Bill Will Include Cruz-Lee Amendment And $45 Billion To Fight Opioid Epidemic

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New Healthcare Bill Will Include Cruz-Lee Amendment And $45 Billion To Fight Opioid Epidemic While no one has seen the Senate's revised healthcare bill as of yet, early indications suggest that it will include a version of a controversial amendment from Senators Ted Cruz (R-TX) and Mike Lee (R-UT) that has become a sticking point in the negotiations.  Among other things, *the amendment would allow insurers to sell plans that do not meet ObamaCare regulations if they also sell a plan that does meet those rules.*

Called the *"Consumer Freedom Amendment*," we highlighted the main points of the Cruz/Lee proposal last month:



The* "Consumer Freedom Amendment"* would leave existing ObamaCare plans on the individual market, while also allowing insurers to sell plans that don't comply with requirements of the Affordable Care Act.

 

"What that does — *it leaves existing plans on the market but it gives new options so that people can purchase far more affordable health insurance.* It will enable a lot more people to be able to afford buying health insurance," Cruz told The Hill on Thursday afternoon.

 

Cruz's amendment would allow insurers to continue offering plans that follow ObamaCare's "Title One" requirements, including essential health benefits, which mandates 10 services insurers must cover with no cost-sharing.

 

*But insurers could also sell skimpier, cheaper plans that don't cover those 10 services or meet other ObamaCare requirements.*

 

*"If a health insurer offers a plan consistent with the Title One mandates, insurers can also sell in that same state any other plans that consumers desire," *Cruz said.



 

So, what else is expected to be included in the new bill?  Among other things, apparently the original Obamacare taxes on investment income and the payroll tax are making a comback to help fund Medicare. Axios has more highlights:



*An additional $70 billion to help states stabilize their markets and offset the costs of covering expensive patients* — on top of more than $100 billion that was already there.

 

*$45 billion to fight the opioid epidemic.*

 

A provision allowing people to use tax-preferred health savings accounts to pay their premiums

 

Changes to the ACA that would let more consumers use tax subsidies to buy plans that only offer catastrophic coverage.

 

*The bill would no longer repeal two of the ACA's tax increases on wealthy families,* and it won't include a new tax break for health-care executives.



In other words, more provisions that simply make the bill look and feel an awful lot like Obamacare...a fact that Senator Rand Paul pointed out in an op-ed just yesterday in which he blasted McConnell's *new bill as more or less a capitulation by Republicans to simply "keep Obamacare."*



*I miss the old days, when Republicans stood for repealing Obamacare.* Republicans across the country and every member of my caucus campaigned on repeal – often declaring they would tear out Obamacare “root and branch!”

 

What happened?

 

The Senate Obamacare bill does not repeal Obamacare. I want to repeat that so everyone realizes why I’ll vote “no” as it stands now:

 

*The Senate Obamacare bill does not repeal Obamacare. Not even close.*



Of course, with Senator Rand Paul a definite no and several other Republican Senators still on the fence, it's unclear whether any bill that will be presented today will have a chance of ever being passed into law. Reported by Zero Hedge 8 hours ago.

New Senate healthcare plan keeps Obamacare-era taxes on wealthy -Senate source

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The revised U. S. Senate healthcare plan will keep in place two Obamacare taxes on the wealthy and retain its limit on corporate tax deductions for executive pay in the health insurance industry, a Senate source told Reuters on Thursday. Reported by DNA 9 hours ago.

New Senate healthcare plan keeps Obamacare-era taxes on wealthy: Senate source

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WASHINGTON (Reuters) - The revised U.S. Senate healthcare plan will keep in place two Obamacare taxes on the wealthy and retain its limit on corporate tax deductions for executive pay in the health insurance industry, a Senate source told Reuters on Thursday. Reported by Reuters 8 hours ago.

Bupa: Rogue staffer stole health insurance holders' personal deets

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Reported by The Register 9 hours ago.

The Conversation: Ex-health insurance CEO: 5 common but faulty beliefs about paying for health care

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Reported by MarketWatch 8 hours ago.

Senate Republicans Reveal New "Obamacare-Lite" Healthcare Bill

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Senate Republicans Reveal New Obamacare-Lite Healthcare Bill In what could very well end up being just another exercise in futility, Senate Majority Leader Mitch McConnell has just released a new version of a healthcare plan which, among other things, incorporates demands from Senator Ted Cruz (R-TX) and Senator Mike Lee (R-UT) to allow insurers to sell low-cost, skimpier plans all in an effort to draw conservative support for the new bill.

Called the *"Consumer Freedom Amendment*," we highlighted the main points of the Cruz/Lee proposal last month:



The* "Consumer Freedom Amendment"* would leave existing ObamaCare plans on the individual market, while also allowing insurers to sell plans that don't comply with requirements of the Affordable Care Act.

 

"What that does — *it leaves existing plans on the market but it gives new options so that people can purchase far more affordable health insurance.* It will enable a lot more people to be able to afford buying health insurance," Cruz told The Hill on Thursday afternoon.

 

Cruz's amendment would allow insurers to continue offering plans that follow ObamaCare's "Title One" requirements, including essential health benefits, which mandates 10 services insurers must cover with no cost-sharing.

 

*But insurers could also sell skimpier, cheaper plans that don't cover those 10 services or meet other ObamaCare requirements.*

 

*"If a health insurer offers a plan consistent with the Title One mandates, insurers can also sell in that same state any other plans that consumers desire," *Cruz said.



 

Of course, with precious little votes to spare, *McConnell's new bill has plenty of handouts for moderate Republicans as well. *The rewritten package would add $70 billion to the $112 billion McConnell originally sought that states could use to help insurers curb the growth of premiums and consumers' other out-of-pocket costs.  It also has $45 billion for states to combat the misuse of drugs like opioids. That's a big boost from the $2 billion in the initial bill and an addition demanded by Republicans from states in the Midwest and Northeast that have been ravaged by the drugs.

The revised bill also restores some of the original Obamacare taxes on investment income and the payroll tax in an effort to help fund Medicare. Axios had more highlights:



*An additional $70 billion to help states stabilize their markets and offset the costs of covering expensive patients* — on top of more than $100 billion that was already there.

 

*$45 billion to fight the opioid epidemic.*

 

A provision allowing people to use tax-preferred health savings accounts to pay their premiums

 

Changes to the ACA that would let more consumers use tax subsidies to buy plans that only offer catastrophic coverage.

 

*The bill would no longer repeal two of the ACA's tax increases on wealthy families,* and it won't include a new tax break for health-care executives.



In other words, more provisions that simply make the bill look and feel an awful lot like Obamacare...a fact that Senator Rand Paul pointed out in an op-ed just yesterday in which he blasted McConnell's *new bill as more or less a capitulation by Republicans to simply "keep Obamacare."*



*I miss the old days, when Republicans stood for repealing Obamacare.* Republicans across the country and every member of my caucus campaigned on repeal – often declaring they would tear out Obamacare “root and branch!”

 

What happened?

 

The Senate Obamacare bill does not repeal Obamacare. I want to repeat that so everyone realizes why I’ll vote “no” as it stands now:

 

*The Senate Obamacare bill does not repeal Obamacare. Not even close.*



Seems that McConnell is trying to 'have his cake and eat it too' with efforts to appeal to both conservative and moderate elements of the Republican party. 

*Will he be successful?  John Cornyn seems to think so:*



US SENATOR CORNYN, NO. 2 REPUBLICAN, SAYS WILL HAVE ENOUGH SUPPORT TO PASS HEALTHCARE BILL BY THE TIME IT IS PUT TO A VOTE



Of course, it seems like we've heard that somewhere before...



Senate Majority Whip John Cornyn tells @marykbruce: "I expect to have the votes to get this done and yes we will vote this week."

— Mariam Khan (@MKhan47) June 27, 2017



 

*The full text of the new bill can be read here:*

** Reported by Zero Hedge 6 hours ago.

The new Senate healthcare bill contains a big sweetener for one particularly important senator

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The new Senate healthcare bill contains a big sweetener for one particularly important senator The text of the newest version of the Senate healthcare bill contains a provision aimed at one Republican holdout: Sen. Lisa Murkowski.

The Alaska senator would see a guarantee of funding for her state to combat high premiums, in a clear attempt to win over the senator who has been vocal in opposition to various elements of the bill.

The provision has to do with the state stability fund, a pot of money that would be given to states to help deal with high insurance premiums and encourage people to sign up for coverage.

Here's the piece pertaining to Alaska (emphasis added):

"The Administrator shall determine an appropriate procedure for providing and distributing funds under this subsection that includes reserving an amount equal to 1 percent of the amount appropriated under paragraph (1) for a calendar year for providing and distributing funds to health insurance issuers *in States where the cost of insurance premiums are at least 75 percent higher than the national average.*"

A report from the Department of Health and Human Services showed that pre-tax credit premiums in the 39 states with federal-run individual marketplaces under the Affordable Care Act will average $476 a month in 2017. In Alaska, the average monthly cost for premiums is an average of $1,041 for 2017, more than twice the national average.

No other state would qualify for the 75% higher than average provisions, based on the HHS report.

Based on the amount of money set aside through the state stability fund, Alaska would likely end up with hundreds of millions of dollars annually toward its health insurance markets.

But even with the addition, Murkowski's support for the legislation remains in question. She has also expressed opposition to the cuts to Medicaid and a freeze in funds for Planned Parenthood, neither of which changed from the original version.

*SEE ALSO: Republicans just released a new healthcare bill — here are all the changes*

Join the conversation about this story »

NOW WATCH: People on Twitter are loving how baffled Buzz Aldrin appeared by Trump's 'space' talk Reported by Business Insider 5 hours ago.

Nigerian govt pledges to support Nollywood’s new health insurance scheme

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Fred Amata said that the development will help offer immediate care to members who were in critical stage of their health.

The post Nigerian govt pledges to support Nollywood’s new health insurance scheme appeared first on Premium Times Nigeria. Reported by Premium Times Nigeria 5 hours ago.

A.M. Best Revises Outlooks to Positive for Lewer Life Insurance Company

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A.M. Best Revises Outlooks to Positive for Lewer Life Insurance Company OLDWICK, N.J.--(BUSINESS WIRE)--A.M. Best has revised the outlooks to positive from stable and affirmed the Financial Strength Rating of B (Fair) and the Long-Term Issuer Credit Ratings of “bb+” of Lewer Life Insurance Company (Lewer Life) (Kansas City, MO). The revised outlooks reflect Lewer Life’s long and established niche in the student health insurance marketplace, evolving business strategy and improved operating results. Lewer Life has demonstrated flexibility, innovation and the ability Reported by Business Wire 5 hours ago.

The trouble with targeting Medicaid dollars for opioid treatment

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Without health insurance, drug addiction issues can turn a manageable problem into a far-costlier hospitalization. Reported by philly.com 4 hours ago.

Panel backs health co-payments

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A committee amending the national health insurance law said it will submit its recommendations to Public Health Minister Piyasakol Sakolsatayadorn next week after endorsing a controversial co-payment provision despite opposition from health activists. Reported by Bangkok Post 28 minutes ago.

eHealth, Inc. to Announce Second Quarter 2017 Earnings Results on July 27 at 5 p.m. Eastern Time

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MOUNTAIN VIEW, Calif.--(BUSINESS WIRE)--eHealth, Inc. (NASDAQ:EHTH), a leading private online health insurance exchange, announced today that the company plans to release second quarter 2017 financial results on July 27, 2017. Chief Executive Officer Scott Flanders and Chief Financial and Operations Officer David Francis will host the earnings conference call beginning at 5 p.m. Eastern Time on July 27th to discuss these results. Individuals interested in listening to the conference call may do Reported by Business Wire 2 hours ago.

Cuts to Medicaid could worsen U.S. opioid crisis, governors warn

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PROVIDENCE, R.I. (Reuters) - Proposals by U.S. Senate Republicans to phase out the expansion of the Medicaid health insurance program for low-income Americans could hurt state efforts to fight the country's opioid drug addiction crisis, governors warned on Thursday. Reported by Reuters 1 hour ago.

Colorado officials expected to announce proposed health insurance premium increases Friday

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As the Colorado Division of Insurance prepares to release the proposed 2018 price increases for individual health plans, a new federal report suggests that the nation's Affordable Care Act insurance market are stable. Reported by Denver Post 22 hours ago.

Georgia health insurers seek double-digit premium hikes

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The four health insurance companies still offering coverage in the individual market in Georgia are seeking to raise premiums up to 40 percent next year. Reported by bizjournals 18 hours ago.

Music Health Alliance and Health: Further Partner for Annual Festival at Nashville's Music City Center

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Partnership between Nashville health festival and musician health support organization will program entertainment at annual event and raise funds for healthcare services for the music community.

Nashville, TN (PRWEB) July 14, 2017

Music Health Alliance (MHA), the music industry’s non-profit healthcare advocate, will partner with Health:Further for its annual Health:Further Festival at the Music City Center in Nashville, TN to be held August 22 – 25, 2017.

The Health:Further Festival is an annual gathering which brings together over 2,000 of the brightest minds in healthcare innovation focused on improving the industry and building a healthier, more sustainable future.

The partnership is designed to showcase the relationship between two of Nashville’s primary industries — music and healthcare — while also expanding opportunities for the creative community to attend the Festival. MHA and Health:Further will collaborate on a scholarship to provide complimentary Festival passes to students and healthcare practitioners. Additionally, MHA will help program components of the Festival, including Brenda Lee for a keynote address and musical entertainment, headlined by three-time Grammy Award winner Delbert McClinton, that will be staged throughout the event. A portion of the proceeds from the Festival will be donated exclusively to Music Health Alliance to continue its life-changing services for Nashville’s more than 56,000 people who make a living in the music industry, 76% of whom are self- employed or part of small business.

“Music Health Alliance is a remarkable organization providing critical healthcare services to the music industry, one of Nashville’s largest professional communities,” said Marcus Whitney, CEO & Co-Founder of Health:Further. “The work they do towards making health accessible to musicians aligns closely with our vision at Health:Further, and we could not be more proud to support them in this effort.”

"Music Health Alliance is thrilled to partner with Health:Further in this one-of-a-kind event,” said Music Health Alliance Founder Tatum Allsep. “The forward-thinkers in the Health:Further community are committed to developing the most accessible, affordable and quality healthcare landscape of tomorrow and at MHA we believe this kind of innovative and creative thinking is vital to ensure that the ‘Music’ in Music City stays alive and well."

The Health:Further Festival is co-produced by the Center for Health Care Market Innovation at Vanderbilt University, in addition to collaboration with TN HIMSS to produce the Summit of the Southeast. It is presented by HealthTrust. Strategic partners include PYA, Waller, Bailey Southwell and Mercer.

For more information on this partnership and the event, visit http://www.healthfurther.com/music-health-alliance

ABOUT MUSIC HEALTH ALLIANCE
MUSIC HEALTH ALLIANCE was founded in 2013 to connect our creative community with invaluable access to life-changing healthcare resources and enable access to doctors, medicine, health insurance and financial assistance for music industry professionals across the U.S. in all genres of music. Music Health Alliance provides compassionate and patient-driven healthcare support with a vision of long-term prevention of illness and overall wellness from the beginning to the end of life for all genres of music across the nation. And their services are entirely free. To date, they have saved over $16 million dollars in medical bills and reduced premiums and served over 5,600 people in the music community.

ABOUT HEALTH:FURTHER
Health:Further is an open community focused on the future of health. We are driven to pursue two difficult ideals: that health is a human right, and that health must be supported affordably and sustainably. Each year our community gathers at the Health:Further Festival in Nashville, TN to exchange ideas, evidence and good will. We are providers, payers, politicians and practitioners. We are investors, innovators, artists and activists. We are patients, and together, we will create the ideal future of health. More at HealthFurther.com.

For more information, contact:

Health:Further:
Marcus Whitney, Co-founder & CEO Marcus(at)healthfurther.com

For Music Health Alliance:
Cindy Hunt, Monarch Publicity
615-429-2203 / cindy.hunt(at)monarchpublicity.com Reported by PRWeb 17 hours ago.

Your Money: How the Medicaid Debate Affects Long-Term Care Insurance Decisions

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Big cuts to Medicaid are still in the Senate’s health insurance bill. How might you pay for your care in old age if the government can’t or won’t? Reported by NYTimes.com 15 hours ago.
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