Tag Archives: insurance exchanges

The 8 Biggest Myths About ObamaCare: NCPA Report


Dallas, TX (PRWEB) May 29, 2014

While millions of Americans have already lost their health coverage due to ObamaCare, many more will see their health care disrupted as the new law changes the American health system, according to a new report from the National Center for Policy Analysis that debunks eight of the most pervasive myths surrounding the Affordable Care Act.

“Two months after ObamaCare’s open-enrollment finished, the cracks are showing,” says NCPA Senior Fellow John R. Graham. “Millions of people have lost their health benefits and have signed up for ObamaCare plans in health-insurance exchanges. They are discovering that they have limited access to care, and were even misled about which doctors are in their provider networks. Medicare, hospitals, skilled nursing facilities, and home-health care were raided for billions of dollars to pay for this new health program, which is already broken.”

For example –

Myth: If you like your health plan, you can keep it.


    Actually, 6 million people have had their insurance policies canceled, and another 19 million are enrolled in private health plans that do not comply with the Affordable Care Act’s requirements.
    Business’ employee health plans were supposed to be grandfathered into the law, but they lose that protection when small changes — such as a change in the deductible — occur.
    A government memo predicts that up to two-thirds of Americans with employer-provided health insurance will have to switch to more expensive, regulated plans and that, eventually, all plans will lose their grandfathered status.

Myth: If you like your doctor, you can keep your doctor.

    In reality, many exchange plans have narrow networks that limit a patient’s choice of doctor. In fact, a staggering 70 percent of California physicians are not in California’s exchange networks.
    Without an influx of new doctors, there is no realistic way to meet the demand that will be created by 26 million newly insured who seek to double their health care consumption. By 2015, the Association of American Medical Colleges predicts a shortfall of 21,000 primary care doctors.

Myth: There is an employer mandate to offer affordable coverage.

    Actually, an employer is fined $ 2,000 for each employee if he refuses to provide health coverage. $ 2,000 is generally cheaper than the cost of health benefits, so many employees will stop offering health insurance.
    Moreover, the Affordable Care Act incentivizes self-insured employers to offer very expensive coverage and require their employees to pay up to 9.5 percent of their wages in premiums and the full cost of coverage for their families. If an employee turns down this offer from his employer, he is not entitled to subsidies in the exchanges.

Myth: Health reform will lower the cost of health insurance by $ 2,500 a year per family.

    In fact, coverage will become more expensive for everyone outside of a small portion of older, low-income adults who have access to highly subsidized exchange coverage.

Graham also said, “The myths peddled by the Administration to sell ObamaCare are not harmless fairy tales, they have resulted in a program that is harming people’s access to health care.”

Full text: The Biggest Myths of ObamaCare: http://www.ncpa.org/pdfs/ib144.pdf

The National Center for Policy Analysis (NCPA) is a nonprofit, nonpartisan public policy research organization, established in 1983. We bring together the best and brightest minds to tackle the country’s most difficult public policy problems — in health care, taxes, retirement, education, energy and the environment. Visit our website today for more information.







Related Enroll Obamacare Press Releases

Nice Enroll Obamacare photos

A few nice enroll obamacare images I found:

SW 134 AV (Miami) – March 18, 2014 … Spanish language site, CuidadoDeSalud.gov …item 2.. Florida students assist with ‘Obamacare’ enrollment (Mar. 21, 2014) …
enroll obamacare
Image by marsmet534
The rear doors of the white van, striped in red and blue, were wrapped in yellow with black text in Spanish which translated in English to:

You can still subscribe to Obamacare
Apply today!
800-419-6318
Qualify and receive calls
Totally free
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……..*****All images are copyrighted by their respective authors ……..
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… marsmet534 photostream … marsmet534 …

m.flickr.com/#/photos/116357579@N08/

Thursday, April 3, 2014

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m.flickr.com/#/photos/116357579@N08/13270759215/

Black text on white background

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m.flickr.com/#/activity/

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Common use/ Matt Drudge Twitter image

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SW 134th Ave Miami, FL 33186

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……item 1)…. Spanish language site, CuidadoDeSalud.gov …

www.cuidadodesalud.gov/es/
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Durante los momentos de gran demanda y para garantizarle la mejor experiencia posible, se le dará prioridad al orden de llegada para comenzar a llenar su solicitud electrónica en el Mercado de seguros.

La fecha límite para inscribirse este año y obtener cobertura médica: 31 de marzo

Actúe ahora y goce de paz y tranquilidad para usted y su familia — y ahorre dinero en cobertura de calidad.
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…..item 2)…. Florida students assist with ‘Obamacare’ enrollment …

… FSU News … www.fsunews.com/

FSU News / section / News … www.fsunews.com/section/NEWS
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img code photo … Anthony Rouzier helps Valentina Adarraga, 20

cmsimg.tallahassee.com/apps/pbcsi.dll/bilde?Site=CD&D…

Anthony Rouzier helps Valentina Adarraga, 20, sign up for health insurance under the Affordable Care Act in Miami on Friday. / AP

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Written by
Kelli Kennedy
Associated Press

FILED UNDER
News
Local

Mar. 21, 2014 11:52 PM |

www.fsunews.com/article/20140322/NEWS01/303220015/Florida…

MIAMI — As federal health officials are aggressively courting young adults to sign up for health insurance with celebrity endorsements and social media campaigns, they are also getting significant help from the very demographic they’re targeting.

Busy medical, nursing and law students across Florida are getting certified as counselors and are staffing enrollment events as the March 31 deadline to sign up for insurance under the Affordable Care Act looms. Many of the students were active in outreach programs to provide medical and legal services in low-income neighborhoods, but being “able to sign up patients for health insurance and get coverage that’s more than just one time care really completes the circle,” said Ali Moody, a second year medical student at the University of Miami Miller School of Medicine.

More than 60 UM medical students went through a five-hour training to become certified application counselors and have enrolled more than 50 people since December. They’ve staffed several major enrollment events as well as manned tables daily outside their school, where they end up enrolling many low-income patients recently released from the nearby hospital.

University of Miami’s medical school places a strong emphasis on connecting students to underserved communities “so it’s natural to have them take an active role in getting the same patients enrolled in the Affordable Care Act so they get preventive care more frequently and keep them out of the emergency room,” said Donna Shalala, the school’s president and former Health and Human Services Secretary under President Bill Clinton.

Farther south at Florida International University in Miami, seven students were crammed around a massive conference table this week trying to sign up for health insurance on their laptops.

Law students Allan Zullinger, 28, and Anthony Rouzier, 27, hustle back and forth across the room, overseeing two and three enrollees at a time, all in various stages of the application process, explaining to a professor and his wife that they must use next year’s tax income to determine if they are eligible for a subsidy and telling a student that they may qualify for insurance under their parents’ plan because they are under the age of 26.

Rouzier frequently peers over Valentina Adarraga’s laptop, cheering her on, getting on the phone with federal health officials when her application stalls and explaining various health plans during the nearly three-hour long process.

The 20-year-old ultimately chose a silver plan with a monthly premium, thanks to a 9 tax credit. Adarraga, a full-time student, also works part-time as a beach attendant.

“It’s good to know I’m not going to be denied assistance,” said Adarraga, who has been without insurance for several months and recently couldn’t get treatment when she tried to see a doctor for serious migraines. She tried signing up on her own online, but wasn’t able to complete the process.

“We understand that it’s going to take people like us to make it work,” said Zullinger, who works more than a dozen hours a week enrolling people. “It’s an experiment almost and we understand that we have to put the labor in right now.”
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Who Benefits from Obamacare? Democrats, Republicans & the Corporations that Control Both Parties.
enroll obamacare
Image by watchingfrogsboil
Both Democrats & Republicans are lying for their corporate masters:
Obamacare was not primarily about healthcare OR taxes. The goal was the
individual mandate.

WHO BENEFITS FROM OBAMACARE? DEMOCRATS, REPUBLICANS & THE CORPORATIONS THAT
CONTROL BOTH PARTIES.

In last week’s United States Supreme Court ruling re National Federation of
Independent Business Et Al v. Sebelius, Secretary of Health and Human
Services, Et Al (11-393/28-Jun-2012) a.k.a. "NFIB v. Sebelius", the
individual mandate to purchase health insurance and associated penalties for
non-compliance contained in the Patient Protection and Affordable Care Act
(Public Law 111-148/H.R.3590/PPACA/23-Mar-2010) a.k.a. the "Affordable Care
Act" a.k.a. "Obamacare" were declared to be a tax and therefore
constitutional:

tinyurl.com/23eruxt

tinyurl.com/7bxnmq5

The Obamacare bill is a massive piece of legislation – depending on
formatting, anywhere from 900+ to 2000+ pages – much of which can loosely be
construed as "healthcare reform". That millions of Americans will be
impacted by this law is beyond dispute. Whether that impact will be
positive or negative, on the other hand, will be a source of sociopolitical
debate for many years – assuming of course our illegal and immoral
death-from-above droning and Oil Wars Iran-baiting antics in Syria,
Baluchistan and elsewhere don’t get us all blown to Kingdom Come in the
interim:

tinyurl.com/7chvesh

tinyurl.com/893cwux

There are, however, three clear and immediate beneficiaries of Obamacare:
the Democratic Party, the Republican Party, and the Global Corporations who
control them both:

1. THE DEMOCRATIC PARTY can truthfully energize their base of lemmings on
the left side of the false divide by declaring a victory for "healthcare
reform" – although the percentage of Americans who can expect to receive a
net benefit from all the changes in that mass of legalese is only about 10
percent, and some 5 million of us are projected to actually LOSE our health
insurance coverage as a result of Obamacare. According to the Congressional
Budget Office (CBO):

"Compared with prior law, the ACA is now estimated by CBO and JCT to reduce
the number of nonelderly people without health insurance coverage by 30
million to 33 million in 2016 and subsequent years, leaving 26 million to 27
million nonelderly residents uninsured in those years… The share of legal
nonelderly residents with insurance is projected to rise from 82 percent in
2012 to 93 percent by 2022. According to the current estimates, from 2016
on, between 20 million and 23 million people will receive coverage through
the new insurance exchanges, and 16 million to 17 million people will be
enrolled in Medicaid and CHIP. Also, 3 million to 5 million fewer people
will have coverage through an employer compared with the number under prior
law."

tinyurl.com/7be3xtz

2. THE REPUBLICAN PARTY can legally (and from that narrow perspective
truthfully) energize their base of lemmings on the right side of the false
divide by parroting Chief Justice Roberts’ proclamation that its individual
mandate and therefore Obamacare represent a "tax increase" from a President
whose campaign promised no tax increases on the middle class, and who
personally and through his administration vowed repeatedly that Obamacare
was NOT a tax. In Obama’s own words:

2.a. "I can make a firm pledge. Under my plan, no family making less than
0,000 a year will see any form of tax increase. Not your income tax, not
your payroll tax, not your capital gains taxes, not any of your taxes."

www.youtube.com/watch?v=Q8erePM8V5U

tinyurl.com/4j7jjtr

2.b. "I absolutely reject that notion," Obama said under repeated
questioning by Stephanopoulos. "For us to say that you’ve got to take a
responsibility to get health insurance is absolutely not a tax increase,"
Obama said. "You can’t just make up that language and decide that that’s
called a tax increase."

www.youtube.com/watch?v=tQMkOScXctY

tinyurl.com/7anf3w4

3. THE GLOBAL CORPORATIONS that control both the Democratic and Republican
Parties – and through that "Two-Party Tryanny" our government and all of us
– are the biggest beneficiaries of Obamacare. The global fascist elite 1%
could care less about improving the health of the other 99% or what new tax
burdens are placed on the backs of a middle-class struggling to survive yet
still desperately hanging on to the belief that somehow, someday they too
will be rich, famous and have their own Reality TV show if they just stay on
the treadmill and keep running. And by using the Congressional power to tax
rather than the Commerce Clause as the basis for his decision, corporate
puppet Chief Justice Roberts made sure the NFIB v. Sebelius ruling would
stir up a partisan political firestorm – and accompanying smokescreen – to
keep the Sheeple divided and fighting each other, blinded to the
white-collar crime being perpetrated by their common enemy:

Reaching far beyond the corporatization of medicine and privatization of
healthcare in America, the 1%’s objective with Obamacare was to establish a
constitutional legal precedent for individual mandates by which the wealthy
can become even wealthier simply by having their paid political puppets pass
laws mandating that we buy their corporate products and increase their
profits – regardless of whether we want, need or can afford them.

tinyurl.com/6tg3t92

Today, it’s overpriced health insurance. Tomorrow, it might be underpowered
Chevys.

Where are the Jeffersonians? And where is the outrage?

"The tree of liberty must be refreshed from time to time with the blood of
patriots and tyrants."–Thomas Jefferson

REPUBLICANS AND DEMOCRATS: ALL PROBLEMS, NO SOLUTION.

END TWO-PARTY TYRANNY: OUR SECOND REVOLUTION!

###

NOTE TO TWITTER USERS 1: Please tweet this: Both Ds & Rs lie for corporate
masters: #Obamacare not about #Healthcare OR #Taxes but legalizing
#IndividualMandate: bit.ly/LXrpe8

NOTE TO TWITTER USERS 2: Since our recent unrelated disclosures that (a)
eating a bowl of Cheerios is no more "heart healthy" than eating a bowl of
dirt ( bit.ly/zDYa45 ) and (b) many American Bikers suffer from
Sensenbrenner Syndrome ( bit.ly/MBBIBQ ), tweets from @VVVPR are
being blocked from the Twitter search stream. If you are a Twitter user, we
ask you to contact @Support and demand this corporate fascist censorship be
ended.

###

IronBoltBruce via VVV PR ( veritasvirtualvengeance.com |
twitter.com/vvvpr )

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Key: obamacare, romneycare, healthcare, health care, scotus, supreme court,
nfib v. sebelius, affordable healthcare act, affordable care act, aca,
sebelius, single payer, universal healthcare, universal health care,
sensenbrenner, democrats, republicans, gop, bushbamney, obama, romney,
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Victorious health care enrollers
enroll obamacare
Image by yooperann
Marina, Kate, and Gregory have been working pretty much 24/7 to get people enrolled into health care. I know Gregory finished up his last one at 11 p.m. on the last night of open enrollment. It’s been a real marathon, but they’re champs.

Array Health to Offer Private Health Insurance Exchange Solution Through AHIP Connect Program

Seattle, Wash. (PRWEB) April 10, 2014

Array Health, a provider of private insurance exchange technology, today announced its approval to participate in the AHIP Connect program.

AHIP Connect is an industry solution provider sourcing and independent evaluation program that helps AHIP’s health plan members choose companies to implement operational business solutions that reduce costs; increase efficiency, safety, and quality; and enhance the consumer experience.

As an AHIP Connect approved solutions provider, Array Health seeks to engage payers interested in launching branded private exchange solutions. Health plans can leverage the Array Spectrum™ private health insurance exchange platform to support end-to-end consumer engagement for marketing, selling, enrolling, managing, renewing and administering health and ancillary benefits for their large and small group, individual and retirement business segments.

Array Health delivers a world-class experience for consumers shopping for and enrolling in benefit programs. As employer and consumer needs continue to change, Array Health’s technology is designed to simplify and humanize the process of buying benefits. The Array SmartFit™ technology takes the consumer’s responses to simple behavioral statements indicating their preferences around financial risk, desired access to providers, prescription needs and more; it then uses proprietary algorithms to suggest plans that best map to each individual’s values based on the responses provided. In addition to simplifying the decision-making process, health plan details are presented in natural language, not insurance terms, further facilitating the shopping experience.

“Private health insurance exchanges represent a substantial opportunity in the new marketplace,” said Jonathan Rickert, CEO of Array Health. “As health plans are learning how to sell to consumers in this retail-focused world, our participation in AHIP Connect can help payers build and offer a superior and differentiated shopping and enrollment experience to attract new business and enhance existing relationships.”

“The market for health insurance continues to diversify, and payers are developing promising new products to reduce costs and improve outcomes,” said Charles Stellar, Executive Vice President of Professional Services at AHIP. “We look forward to exposing our health plan members to Array Health’s team of technology, retail and insurance industry experts as they consider new exchange options.”

About America’s Health Insurance Plans

America’s Health Insurance Plans (AHIP) is the national trade association representing the health insurance industry. AHIP’s members provide health and supplemental benefits to more than 200 million Americans through employer-sponsored coverage, the individual insurance market, and public programs such as Medicare and Medicaid. AHIP advocates for public policies that expand access to affordable health care coverage to all Americans through a competitive marketplace that fosters choice, quality and innovation.

About Array Health

Array Health is a leading provider of private insurance exchange technology. Its cloud-based software platform enables health plans of any size to power their own branded online exchanges—a strategic channel that helps them compete and thrive in the post health-reform world. With its state-of-the-art member marketplace and support for defined contributions, insurers win and retain business by giving employers a way to control costs and members a better way to buy benefits. Array Health is a privately held company based in Seattle. To learn more, visit http://www.arrayhealth.com.







Obamacare Enrollment – Huge Uptick Seen In December

obamacare enrollmentsAccording to a December 31, 2013 post by Centers for Medicare & Medicaid Services Administrator Marilyn Tavenner, a surge of Obamacare enrollment in December brought the total number of people who have signed up for healthcare coverage through the state and federal insurance exchanges to over 2.1 million.

The federal health insurance website, HealthCare.gov, had its enrollments nearly double right before the deadline for a January 1 effective date passed when compared to numbers from the end of November. In fact, the number of people who enrolled in an Affordable Care Act plan was six times the number of people who enrolled in plans in October and November combined.

Obamacare Enrollments Expected to Continue to Climb

Even though these numbers are encouraging, they are still below the original predictions of over three million. This shortfall is mostly attributed to the technical problems with the federal insurance exchange website, but now that the site is up and running more smoothly, CMM officials expect the Obamacare enrollment numbers to steadily increase through March 31, 2014, when the open enrollment period ends.

The Obama administration also mentioned that 3.9 million Americans are newly eligible for Medicaid or the Children’s Health Insurance Program (CHIP) because of the program’s expansion. Although those numbers include both renewals and new enrollments, the White House is encouraged that more people than ever before will have insurance through either the Medicaid program or the health insurance exchanges.

Obamacare Gives Relief to Uninsured Individuals with Health Problems

For some people who have already participated in Obamacare enrollment through the health exchanges, it will mark the first time they have had health insurance because of pre-existing conditions. Many of them put off going to the doctor because they were afraid of what they might find. If a serious illness was detected, they wouldn’t have had the money to treat it.

Other people who have already been diagnosed with serious conditions like diabetes or high blood pressure are now able to get health insurance coverage without worrying about being denied by insurance companies. In addition, their cost of coverage will be significantly cheaper than anything they would have been approved for before the ACA went into effect.

The ACA also allows them to have more affordable prescriptions as well. Many people who were on medications without insurance had to pay hundreds of dollars out of pocket every month. Now, though, depending on the plan they choose, they may be able to pay lower copays to keep their costs more manageable. Learn more about obamacare and its benefits here.

ACA Encourages Entrepreneurs

Another positive side effect of Obamacare is the freedom to quit a job and start a small business without worrying about health insurance. Before Obamacare enrollment became a reality, people often felt stuck in their jobs because they were afraid of losing their health insurance coverage. Now, however, more people are gaining the freedom to pursue their own dreams because they know they can get health insurance coverage through the ACA.

People who have been paying for COBRA benefits will likely find financial relief as well because there are Obamacare plans that cost less than half of the price of paying for extended coverage of an employer-sponsored plan. One family was paying $ 1,600 per month for COBRA but will only be paying $ 700 per month with their new Obamacare plan.

Cancelled Policies Make Way for Better Coverage

Even people who saw their old health insurance plans cancelled because they didn’t meet the requirements of the ACA are choosing Obamacare enrollment options because they are getting more benefits, often at a lower price. For instance, one happy customer said she paid $ 550 per month for her hold plan that had an out-of-pocket maximum of $ 8,500.

Under her new plan, though, she will be paying $ 100 less per month and will only have to meet an out-of-pocket maximum of $ 3,750. This customer is no longer worried about having $ 10,000 set aside for medical bills because her plan will now cover more procedures than her old one did, at a lower cost.

 

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