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Experts: Free coverage is unintended consequence of attempts to undermine ACA

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More people qualify for free or low-cost Affordable Care Act health insurance this year, a factor that could boost enrollment -More-  Reported by SmartBrief 17 hours ago.

5 things to know for Tuesday: UO goes Bol-ing for Thanksgiving

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The freeways will be smoother sailing this morning, the buses and trains will be emptier. Portland offices are emptying out during this short week. Here's an early serving of Five Things, with a little relish (cranberry, of course) on the side. To your health Federal funding for Oregon's Children’s Health Insurance Program is expected to run out next month. Hence Gov. Kate Brown's request that the busy-of-late Oregon Health Authority ensure there are no gaps in coverage for the next five months.  Brown… Reported by bizjournals 16 hours ago.

Maryland health exchange names new executive director

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Michele S. Eberle has been named the new executive director for the Maryland Health Benefit Exchange, the organization that oversees the state's Affordable Care Act marketplace. Eberle has served as chief operating officer for the exchange since 2015. She will now take the top seat in the agency that facilitates enrollment in private health insurance and Medicaid plans for over 1.1 million Marylanders. The exchange's former chief, Carolyn A. Quattrocki, stepped down late last year. The executive… Reported by bizjournals 15 hours ago.

Nevada asking feds for $11.3 million for children’s health

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LAS VEGAS (AP) — Nevada is asking the federal government for $11.3 million to continue the state’s Children’s Health Insurance Program while Congress decides if it will renew funding for the decades-old program. State Health and Human Services spokeswoman Chrystal Main tells the Las Vegas Review-Journal the request to the federal Centers for Medicare and […] Reported by Seattle Times 13 hours ago.

For millions of insured Americans, state health laws don't apply

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Let's say you have health insurance through your employer and live in one of 21 states with laws protecting consumers against surprise medical bills from out-of-network providers. Reported by CNNMoney 12 hours ago.

THE INSURANCE AND THE IoT REPORT: How insurers are using connected devices to cut costs and more accurately price policies

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THE INSURANCE AND THE IoT REPORT: How insurers are using connected devices to cut costs and more accurately price policies This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

Insurance companies have long based their pricing models and strategies on assumptions about the demographics of their customers. Auto insurers, for example, have traditionally charged higher premiums for parents of teenage drivers based on the assumption that members of this demographic are more likely to get into an accident.

But those assumptions are inherently flawed, since they often aren't based on the actual behaviors and characteristics of individual customers. As new IoT technologies increasingly move into the mainstream, insurers are able to collect and analyze data to more accurately price premiums, helping them to protect the assets they insure and enabling more efficient assessment of damages to conserve resources.

A new report from BI Intelligence explains how companies in the auto, health, and home insurance markets are using the data produced by IoT solutions to augment their existing policy pricing models and grow their customer bases. In addition, it examines areas where IoT devices have the potential to open up new insurance segments.

 Here are some of the key takeaways:

· The world's largest auto insurers now offer usage-based policies, which price premiums based on vehicle usage data collected directly from the car.
· Large home and commercial property insurers are using drones to inspect damaged properties, which can improve workflow efficiency and reduce their reliance on human labor.
· Health and life insurance firms are offering customers fitness trackers to encourage healthy behavior, and discounts for meeting certain goals.
· Home insurers are offering discounts on smart home devices to current customers, and in some cases, free devices to entice new customers.

In full, the report:

· Forecasts the number of Americans who will have tried usage-based auto insurance by 2021.
· Explains why narrowly tailored wearables could be what's next for the health insurance industry.
· Analyzes the market for potential future insurance products on IoT devices.
· Discusses and analyzes the barriers to consumers opting in to policies that collect their data.

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

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

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

Join the conversation about this story » Reported by Business Insider 5 hours ago.

Lisa Murkowski Says She's OK With Killing The Health Insurance Mandate

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Projections suggest millions will lose coverage; the Alaska senator says she simply wants to allow choice. Reported by Huffington Post 3 hours ago.

Love in the time of open enrollment: Should you marry for health insurance?

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When I knew I would be getting insurance through my job, Ken and I talked about whether marriage would be a smart move for the health benefits. Reported by philly.com 21 hours ago.

Possible return of a troubled healthcare model has California officials worried

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Just a few decades ago, small businesses in California often banded together to buy health insurance on the premise that a bigger pool of enrollees would get them a better deal.

California’s dairy farmers did it; so did car dealers and accountants.

But after a string of these “association health... Reported by L.A. Times 17 hours ago.

The GOP tax plan got a big boost from a key Republican senator

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The GOP tax plan got a big boost from a key Republican senator **

· *Alaska Sen. Lisa Murkowski said that she supported the repeal of Obamacare's individual mandate as part of the GOP's tax plan.*
· *This is a positive for the tax bill, as there were concerns over Murkowski's support amid proposed changes to the Affordable Care Act.*
· *Despite the support, there's no guarantee the mandate repeal ends up in the final bill.*

--------------------Alaska Sen. Lisa Murkowski, one of the handful of Republican senators who are question marks to support the GOP's massive tax code overhaul, gave a big boost to the plan on Tuesday.

In an op-ed for the Fairbanks' Daily News-Miner, Murkowski said she supported the Senate GOP's plan to insert a repeal of Obamacare's individual mandate into the Tax Cuts and Jobs Act (TCJA).

"I believe that the federal government should not force anyone to buy something they do not wish to buy in order to avoid being taxed," Murkowski wrote. "That is the fundamental reason why I opposed the Affordable Care Act from its inception and also why I cosponsored a bill to repeal the individual mandate tax penalty starting as early as 2013."The Alaska senator previously helped block Republican efforts to repeal and replace Obamacare over the summer. She cited the potential negative effects on the Medicaid program, insurance coverage, and Planned Parenthood.

Murkowski's opposition drew concern that she could decline to support the TCJA due to the mandate repeal. According to an analysis by the Congressional Budget Office, 13 million more people would be without health insurance in 2027 compared to the current baseline if the mandate is repealed.

Murkowski, however, differentiated between Medicaid cuts in the previous Obamacare replacement bills and the mandate repeal.

"It is important to emphasize that eliminating this tax penalty does not take care away from anyone," the senator wrote. "Instead, it provides important relief to those who have been penalized for choosing not to buy unaffordable insurance."

At the same time, while the mandate appears to not be a deal-breaker for Murkowski, it doesn't mean her vote is guaranteed. The senator did not explicitly endorse the tax legislation in her op-ed, and she called for the bipartisan insurance market stabilization bill from GOP Sen. Lamar Alexander and Democratic Sen. Patty Murray to be passed in conjunction.

Other on-the-fence GOP senators, such as Sen. Susan Collins of Maine, could also balk at the mandate repeal's inclusion. The Trump administration has not made the mandate repeal a red line. Mick Mulvaney, the director of the Office of Management and Budget, suggested last weekend that the White House would be fine with removing the provision from the tax legislation if it overly complicated the political logistics.

*SEE ALSO: The breakneck speed of the Republican tax bill is angering Democrats and increasing its chances*

Join the conversation about this story »

NOW WATCH: White House photographer Pete Souza tells the story behind one of Obama's most iconic photographs visiting injured veterans Reported by Business Insider 17 hours ago.

100K Minnesotans sign up for private health insurance so far

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ST. PAUL, Minn. (AP) — Officials say more than 100,000 Minnesotans who buy health insurance on their own have signed up through the state’s insurance exchange so far. Open enrollment for 2018 health coverage began Nov. 1. Gov. Mark Dayton and MNsure CEO Allison O’Toole released the new enrollment numbers Wednesday. More than 50,000 Minnesotans […] Reported by Seattle Times 14 hours ago.

The Family Conversation You Need to Have on the Menu for Thanksgiving

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New data suggests unfamiliarity with Medicare options. Aetna shares insights on the Medicare questions they hear most frequently.

NEW YORK (PRWEB) November 22, 2017

Alphabet soup probably isn’t on the menu at too many Thanksgiving gatherings this year, but a conversation about the alphabet soup of Medicare options should be.

A video accompanying this announcement is available at: https://youtu.be/rDgmouKZM0Y

There are Parts A and B, and everyone knows about Part D, don’t they? But what about Part C — Medicare Advantage?

You have all that, right?

While it may be an unfamiliar or confusing topic, it’s important that adult children have the Medicare discussion with their aging parents as the Annual Enrollment Period is taking place now through December 7, 2017.

When it comes to the Annual Enrollment Period, most people have questions regarding when and how to enroll for Medicare. And when it comes to Medicare options, some don’t even know they have them. In fact, a survey for the Better Medicare Alliance1 found that 65% of beneficiaries on Original Medicare are unfamiliar with Medicare Advantage plans — and, only 29% of beneficiaries on Original Medicare say Medicare Advantage was presented as a clear option when they researched plans.

Aetna recently partnered with D S Simon Media and YourUpdate.TV on a nationwide media tour featuring Nancy Cocozza, senior vice president and head of Aetna’s Medicare business, to help address the gap in both communication and understanding of Medicare and share insight based on the Medicare questions that Aetna hears most frequently, including:·     How do I start the health care conversation with my loved one?
·     So to clear up any confusion, who is eligible for Original Medicare?
·     What is a Medicare Advantage plan and how do I know if it’s right for my loved one?
·     What do I need to know about a Medicare plan before I enroll?
·     What are Medicare Star Ratings and how can I use them?
·     Are there resources for more information that you can direct us to?

For more information visit: Medicare101.com/learn.

1Morning Consult, on behalf of the Better Medicare Alliance, conducted an online survey of 1,999 Medicare-eligible beneficiaries from July 24 - July 26, 2017, with a margin of error of +/- 2%. The survey is not endorsed by Medicare

About Aetna:
Aetna is one of the nation's leading diversified health care benefits companies, serving an estimated 44.6 million people with information and resources to help them make better informed decisions about their health care. Aetna offers a broad range of traditional, voluntary and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life and disability plans, and medical management capabilities, Medicaid health care management services, workers' compensation administrative services and health information technology products and services. Aetna's customers include employer groups, individuals, college students, part-time and hourly workers, health plans, health care providers, governmental units, government-sponsored plans, labor groups and expatriates. For more information, see http://www.aetna.com and learn about how Aetna is helping to build a healthier world. @AetnaNews

Aetna Medicare is a PDP, HMO, PPO plan with a Medicare contract. Our SNPs also have contracts with State Medicaid programs. Enrollment in our plans depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits and/or co-payments/co-insurance may change on January 1 of each year. Other pharmacies are available in our network. Members who get “Extra Help” are not required to fill prescriptions at preferred network pharmacies in order to get Low Income Subsidy (LIS) copays. The formulary and/or pharmacy network may change at any time. You will receive notice when necessary. Aetna Medicare’s pharmacy network offers limited access to pharmacies with preferred cost sharing in: Suburban NY and Rural UT, AR and NY. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including pharmacies with preferred cost sharing, members please call the number on your ID card, non-members please call 1-855-338-7027 (TTY: 711) or consult the online pharmacy directory at http://www.aetnamedicare.com/pharmacyhelp. See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area.

About YourUpdateTV:
YourUpdateTV is a social media video portal for organizations to share their content, produced by award-winning video communications firm, D S Simon Media (http://www.dssimon.com). It includes separate channels for Health and Wellness, Lifestyle, Media and Entertainment, Money and Finance, Social Responsibility, Sports and Technology. Reported by PRWeb 14 hours ago.

California's uninsured rate hits lowest level ever

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The number of people with health insurance hit a record high in the California this year, according to data from the Centers for Disease Control and Prevention released this week. California’s uninsured rate dropped from 7.2 percent in 2016 to 6.8 percent from January to June — outpacing the federal rate for states supported by the federal insurance marketplace, Healthcare.gov. “It was nice to see that California also had good company among states dramatically reducing their uninsured population,… Reported by bizjournals 12 hours ago.

Embrace Pet Insurance Launches Giving Tuesday Promotion

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The season of giving is upon us and what better way to help than supporting your favorite pet-related charity? Embrace Pet Insurance will give away $500 for the “It’s Better to Give AND to Receive” promotion.

CLEVELAND (PRWEB) November 23, 2017

On November 28th (Giving Tuesday), Embrace Pet Insurance will give away $500 for the “It’s Better to Give AND to Receive” promotion.

As the name suggests, this giveaway rewards those who act charitably by nominating a pet-related nonprofit. The winning entry will garner a $250 donation and a $250 Visa gift card to the lucky pet parent who made the nomination.

“At Embrace, giving back to the pet community is one of our core values. We’re excited to kick off the season of giving with a campaign that benefits both pets in need and the pet parents who support them,” said Ambrish Jaiswal, Executive Chairman of Cleveland-based Embrace Pet Insurance.

Throughout 2017, Embrace has donated to numerous deserving pet-related organizations including: pet charities serving those impacted by Hurricanes Irma and Harvey, the Cleveland Animal Protective League, Helen Woodward Animal Center, Bullies 2 The Rescue, Gone to the Dogs Rescue, and the Hope Chest Charitable Foundation, to name a few.

Nominations for the contest are being accepted now through November 27th via the contest link at https://goo.gl/ZZaLdb. Nominations must be 501c3 nonprofit organizations serving U.S. cats and/or dogs. Winner will be notified via email within one week of the contest end date.

About Embrace Pet Insurance
Embrace Pet Insurance is an Ohio-based pet health insurance provider, offering comprehensive, personalized insurance products for dogs and cats across the United States. Embrace is consistently ranked as one of the highest-rated U.S. pet insurance companies and is a proud member of the North American Pet Health Insurance Association. Embrace is the only company to offer a diminishing deductible feature, the Healthy Pet Deductible, and continues to innovate and improve the pet insurance experience for pet parents across the country.

About the North American Pet Health Insurance Association
Embrace is a proud member of the North American Pet Health Insurance Association (NAPHIA). NAPHIA is comprised of reputable pet health insurance (PHI) organizations across Canada and the United States. NAPHIA’s membership makes up over 99 percent of all pet health insurance coverage in effect in North America.

As a coalition, NAPHIA works to advance and grow the PHI industry through proactive research, data sharing, benchmarking initiatives, advocacy efforts, strategic partnerships, resource sharing, and the dissemination of information to collaboratively address challenges and opportunities. To learn more, visit http://www.naphia.org/. Reported by PRWeb 19 minutes ago.

22K Nevada residents sign up for health insurance so far

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LAS VEGAS (AP) — Federal health officials say more than 22,500 people in Nevada have signed up for insurance through the online marketplace in the first two and a half weeks of open enrollment. The Healthcare.gov marketplace run by the U.S. government under the Affordable Care Act allows those who don’t get insurance through their […] Reported by Seattle Times 12 hours ago.

States prepare to shut down children's health programs if Congress doesn't act

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Officials in nearly a dozen states are preparing to notify families that a crucial health insurance program for low-income children is running out of money for the first time since its creation two decades ago, putting coverage for many at risk by the end of the year.

Congress missed a Sept. 30... Reported by dailypress.com 6 hours ago.

WashPost: State Officials Preparing to Shut Down Children's Healthcare Program

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Officials in almost a dozen states are making preparations to notify families that the Children's Health Insurance Program (CHIP) is running out of money, The Washington Post is reporting. Reported by Newsmax 18 hours ago.

Wendy’s Savages McDonalds for Busted Black Friday Tweet

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Back in the 1990s, could any futurist have predicted that a hallmark of our modern dystopia would be watching billion-dollar companies duke it out via pithy statements on the Internet as we scramble to afford health insurance and foodstuffs? Well, ok maybe. Still, here we are. Some lowly intern at McDonald’s social media department made […] Reported by Mediaite 10 hours ago.

States prepare to shut down children’s health programs if Congress doesn’t act

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Officials in nearly a dozen states are preparing to notify families that a crucial health insurance program for low-income children is running out of money for the first time since its creation two decades ago, putting coverage for many at risk by the end of the year. Reported by Denver Post 7 hours ago.

Halfpricesoft.com has Just Released ez1095 2017 Software In efile Version To Process ACA Forms

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Ez1095 2017 software is now available for Affordable Care Act Forms 1095 C, 1094 C, 1095 B & 1094 B for efiling. Test drive for up to 30 days at no cost or obligation at http://www.halfpricesoft.com.

TACOMA, Wash. (PRWEB) November 25, 2017

Employers and tax professionals that prefer to file 1095 forms for year 2017 are switching to the latest release of ez1095 software from Halfpricesoft.com. ez1095 can print form 1095 C, 1094 C, 1095 B and 1094 B. It has also been approved by IRS to generate the efile documents that customers can upload to IRS for ACA form electronic filing.

ez1095 software allows customers to import data quickly from external file and makes it easy to print ACA forms for recipients. Priced from just $195 per installation ($295 for efile version), ez1095 can support multiple company accounts on the same computer at no additional charge.

“The new efile version of ez1095 2017 software for printing ACA forms 1095 and 1094 has just been released by Halfpricesoft.com.” said Dr. Ge, the founder of Halfpricesoft.com.

Customers that need to file Form 1095C, 1094C, 1095B and 1094B can download and try out this ACA software from halfpricsoft.com before purchasing with no obligation by visiting http://www.halfpricesoft.com/aca-1095/form-1095-software-free-download.asp

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

ez1095 software is compatible Windows 10, 8.1, 8, 7, Vista, XP and other Windows systems. Designed with simplicity in mind, ez1095 software is easy to use and flexible. ez1095 software’s graphical interface leads customers step-by-step through setting up company, adding employees, add forms and print forms. Customers can also click form level help links to get more details regarding the software.

To learn more about ez1095 ACA software, customers can visit http://www.halfpricesoft.com/aca-1095/aca-1095-software.asp

About halfpricesoft.com
Founded in 2003, Halfpricesoft.com has established itself as a leader in meeting the software needs of small businesses around the world with its payroll software, employee attendance tracking software, check printing software, W2 software, 1099 software and barcode generating software. It continues to grow with its philosophy that small business owners need affordable, user friendly, super simple, and totally risk-free software. Reported by PRWeb 1 hour ago.
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