Tag Archives: insurance

Obama’s HealthCare Plan- Is It Good For USA?


By Nicole Gaouette and Laura Litvan

June 17 (Bloomberg) — The largest expansion of U.S. health care since the creation of Medicare in 1965 may emerge from legislation designed to reshape the medical industry and change how Americans receive and pay for care.

Congress today begins crafting legislation that Democratic leaders plan to push through both chambers by their August recess. The measure may require all Americans to get medical insurance, force insurers to accept all patients and end the tax break for employer-paid health benefits. These changes may be hammered out with unprecedented speed at the urging of President Barack Obama, who four days ago said “this is the moment.”

Obama has made a health-care overhaul his top domestic priority, using his February budget proposal to call it a “moral” imperative to extend coverage to the country’s 46 million uninsured. Obama also tied the long-term fiscal soundness of the U.S. to controlling medical costs. Health care consumes 18 percent of the U.S. economy and may rise to 34 percent by 2040, the White House Council of Economic Advisers reported June 2.

“I don’t think we’ve ever had anything this large in American history aimed to go this quickly that touches everybody’s lives,” said Robert J. Blendon, a professor of health policy and political analysis at Harvard University in Cambridge, Massachusetts, in a telephone interview. “They’re moving at a pace we’ve never seen before.”

‘Moment is Right’

The U.S. will spend more than $2 trillion this year on health care, the Health and Human Services department reported in February. Today, the Senate Health committee will begin debating a bill that includes “gateways” where consumers may compare coverage plans. The Senate Finance Committee later this week will unveil a bill that among its provisions will call for taxes on health benefits, and House committees will release a draft of their own comprehensive measure that would create a government-backed plan to compete with private insurance.

“We know the moment is right for health care reform,” Obama told the American Medical Association in Chicago in a speech June 15. “We know this is a historic opportunity we’ve never seen before and may not see again.”

The coming weeks will be pivotal if the House and Senate are to meet their goal to send Obama a single bill in October, said Drew Altman, president of the Henry J. Kaiser Family Foundation, based in Menlo Park, California, one of the nation’s largest private foundations devoted to health…read more here…

Preserving health insurance when you’re out of work


(AP)QUESTION: I just lost my job. What are the best options for preserving some form of health insurance?

ANSWER: Don’t confuse “best” with “affordable.” One of the first lessons many unemployed people learn is how expensive health insurance really can be.

If you’re lucky, you can switch to coverage from the job of a spouse or family member. For most people, though, the best option lies with coverage provided under the Consolidated Omnibus Budget Reconciliation Act, or COBRA.

Employee-sponsored coverage generally ends when a job does, although some people may get a few extra weeks because their company paid premiums through the end of a month, said Cheryl Fish-Parcham, deputy director of health policy at Families USA, a nonprofit organization that advocates for affordable health care.

COBRA allows people to continue the plan they had at work after that coverage ends. The former employee must make a decision within two months of leaving the job, and he or she will pay a hefty price to keep the coverage going……read more here

Health Insurance Rates Going Up for Federal Employees


Friday, September 26, 2008; Page D01

Health insurance premiums for federal employees will jump almost 8 percent, on average, in 2009, a sharp increase over the 2.9 percent increase this year and the 2.3 percent increase in 2007, the Office of Personnel Management announced yesterday.

Premiums for most workers, however, will climb even more next year — about 13 percent — which is the increase for enrollees in the Blue Cross and Blue Shield plans. Sixty percent of federal workers are enrolled in one of the Blue Cross and Blue Shield plans.

“We worked very hard to contain premium costs, and we were more successful with some health plans than with others,” said Nancy Kichak, OPM’s associate director for strategic human resources policy. The rates, she said, are the lowest possible in keeping with preservation of benefits and stability in the program…..read rest of story here…

1 in 500 Kids with CT scans may develop cancer?


HOW I SEE IT!

I think defensive medicine is the key here. A doctor does not want to get sued for missing a diagnosis, especially in a child.   The results could be catastrophic.

First,  the average doctor  coming out of residency has almost $200,000 in student loans. No joke!   In order to pay that back, they will have to make payments of $2000-2500/month for 10 years or $1200/month for 30 years.

Since student loans are so high, most new doctors are going into specialites where they will make more money  instead of primary care; like pediatrics, family medicine and internal medicine. 

The result? 

Fewer family doctors and pediatricians.  The brave new  primary care doctors  pay 20%-25% of their monthly take home (After giving 35%  to taxes)  in student loans and another 10% in malpractice insurance. 

In then end, they take home 30 cents on the dollar.  Imagine making $10 per hour and taking home $3? Most new doctors do just that.  

Next month, Medicare is planning on reimbursing doctors from 11-20%   LESS for the work they do. Unfortunately,  many doctors are then pressured to see more patients per hour just to make ends meet. 

The result, they will do more CT scans of the head, abdomen and just about anywhere else since it is quicker and easier  than spending longer periods of time with  patients getting a detailed history. Contrary to belief, most doctors would love to spend 30 minutes or more with each patient if possible. They just would be able to pay their bills if they did.  

Patients are the real victims here. In addition to this, patients are paying more money for health insurance each year for less services. 

Meanwhile, most health insurance company stock prices are up 200-300% over the last 8 years.

The healthcare system is broken and until there is malpractice reform and health insurance reform- patients are actually going to be putting their own lives at risk. Patients and Doctors both  need to speak up!  Health Insurance CEOs make up to $51 million dollars/year while you stuggle to pay your $10 copay.

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Computed tomography (CT or CAT) scans help doctors detect everything from cancer to kidney stones. But some physicians are raising concerns about the safety of such procedures — most notably, an increase in cancer risk. A CT scan packs a mega-dose of radiation — as much as 500 times that of a conventional X-ray. If your doctor orders a CT scan for you or your child, should you think twice?

Absolutely, say researchers behind two recent studies that sound the alarm about the increased cancer risk associated with multiple CT scans. In the first study of its kind, physicians at hospitals in Florida and Washington, D.C., evaluated the medical-imaging records of 1,243 randomly selected patients to calculate just how much radiation each patient had sustained in the past five years. Although CT scans were the biggest source of radiation, other offenders included X-rays and mammograms. The results of the study, presented in May at the annual conference of the Society for Academic Emergency Medicine, were disturbing: the average patient had received 45 millisieverts (mSv) of radiation. (The typical chest X-ray dispatches 0.02 mSv of radiation.) And 12% of patients had gotten more than twice that amount — 100 mSv or more. “Our focus is to bring awareness to the fact that people are getting large doses of radiation and it’s not innocuous,” says Timothy Bullard, the study’s lead author and chief medical officer at Orlando Regional Medical Center. “We want people to use the technology appropriately.”

“Appropriate” is the key word — especially since a review study published last November in the New England Journal of Medicine determined that as many as one-third of all CT scans performed in the United States are unnecessary. The authors take issue with the “perhaps 20 million adults and, crucially, more than 1 million children per year in the United States [who] are being irradiated unnecessarily.” Part of the problem, the authors say, is that patients are being prescribed multiple, unneeded CT scans, a predicament that could be avoided with better communication between physicians. “Having the same CT scan twice is ridiculous,” says David Brenner, the review’s lead author and director of the Center for Radiological Research at Columbia University Medical Center. “There is no excuse.” In one of the review’s highlighted studies, among patients undergoing CT scans, 30% were on their third scan, 7% had five or more, and 4% had more than nine. Also to blame: doctors increasingly practicing defensive medicine. “There is an underlying philosophy that you’re at fault if you miss anything,” says Bullard. “The goal is to be perfect every time.” Plus, he notes, CT scans have no immediate negative side effects. “They are quick, painless, and send patients away with the sense of satisfaction that everything’s been done.”

Exactly how much radiation is too much? Because CT scans came into vogue in the 1980s and radiation-induced cancer takes roughly 20 years to develop, long-term studies of CT scans and cancer are still under way. But scientists are already anticipating future health implications. Indeed, researchers found a population of 25,000 Japanese post-atomic-bomb survivors who were exposed to roughly the same amount of radiation as two CT scans. Based in part on those studies, the Food and Drug Administration estimates that an adult’s lifetime risk of developing radiation-induced cancer from a CT scan is roughly 1 in 2,000. Worse, the risk for children is even higher.

Compared with adults, children are more sensitive to radiation because they have longer life expectancies and because their cells divide more rapidly, making their DNA more vulnerable to damage. A child’s risk of developing a fatal cancer from one CT scan is as high as 1 in 500. Although newer machines can be adjusted to deliver up to 50% less radiation for children and small adults, a 2001 study published in the American Journal of Radiation showed that radiologic technologists (RT) rarely make those adjustments. “Changing technical factors is very easy. It just requires a little thought and a few extra seconds,” says Michele Scoglietti, a spokesperson for the American Society of Radiologic Technologists. “But I think there are many RTs who are either not trained to vary the technique, don’t know how, are in a hurry or are just lazy.”

When doctors first ordered a CT scan for Jen Houck’s six-month-old daughter in 2003, the new mom was more worried about the risks of anesthesia (used to keep children from squirming in the machine) than of radiation exposure. In 2006 and 2007, her daughter, now 5, had two additional CT scans, 6 months apart, for what doctors initially thought was a growth abnormality. They’ve since determined the child was perfectly healthy. “All that, just to find out her head is bigger than normal,” says the 27-year-old mother of two in Boone, North Carolina. In hindsight, Houck wishes she had done things a bit differently. “I would have asked more questions about the necessity for a third scan so soon after the second.” She also says no one mentioned the option of a low-dose scan, and she has no idea how much radiation her daughter received. “I wish I’d known to ask the question.”

So what should you ask, if a doctor recommends a CT scan for you or your child? Brenner suggests the following: is a CT scan really necessary? Might a test that doesn’t involve radiation, such as an ultrasound or MRI, do the job? In some cases, a CT scan is absolutely required — for example, for diagnosing severe head trauma or internal injuries, for acute abdominal pain, or to diagnose an existing cancer. If your doctor schedules you for a scan, call ahead to see if you can bring a flash drive. That way you can take an electronic copy of your CT scan to go, and may be able to avoid another scan later, should you move or change doctors. (A hard copy of the scan is bulkier, but may also be an option.) If your child needs a CT scan, ask the technologist to put the machine on pediatric-appropriate settings. For more information on kids and CT scan safety, visit the http://www.pedrad.org/associations/5364/ig/.

 

AMA issues first report card on health insurers


What insurance company do you have?  UnitedHealthcare had the lowest rate of contract compliance, according to the AMA report. About 62 percent of medical services billed were paid by UnitedHealthcare at the contracted rate, compared with 71 percent for Aetna and 98 percent for Medicare.

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AMA issues first report card on health insurers

By CARLA K. JOHNSON, Associated Press Writer

Some health insurance companies rate doctors on their performance. Now doctors are turning the tables.

The American Medical Association issued its first health insurance report card at the group’s annual meeting Monday. The primary focus is on how quickly and accurately doctors get paid.

“Physicians are spending 14 percent of their total revenue to simply obtain what they’ve earned,” said Dr. William Dolan, an AMA board member.

The report card is an effort to reduce the cost of claims processing to doctors and help them as they negotiate contracts with insurance companies, he said. The report card will help patients if it reduces wasteful administrative costs, Dolan added.

The report card compares Medicare and seven national commercial health insurers on the timeliness and accuracy of claims processing. It is based on a random sample drawn from 3 million claims.

There are no grades like A, B and C, and many of the technical measures may not mean much to most patients. But business leaders and health policy makers are interested in cutting an estimated annual $210 billion in wasted administrative claims processing costs, AMA leaders said.

Four years ago, Dr. Marcy Zwelling got so frustrated with the time and cost of making sure she was paid accurately by insurers that she stopped dealing with them. She now runs a so-called “boutique” practice. Most of her patients pay her an annual fee out of their own pockets.

“The best thing is, I get to be a doctor” instead of a claims processor, said Zwelling, of Los Alamitos, Calif. She says she doesn’t make any more money than she did when she accepted insurance, but she has more time with patients.

UnitedHealthcare had the lowest rate of contract compliance, according to the AMA report. About 62 percent of medical services billed were paid by UnitedHealthcare at the contracted rate, compared with 71 percent for Aetna and 98 percent for Medicare.

UnitedHealthcare spokesman Gregory Thompson said doctors and their billing services share responsibility for prompt payment. “Data show there is often a significant lag time between when services are provided and physician claims are submitted,” he said.

He said UnitedHealthcare has improved its electronic claims systems and noted the AMA gave the company higher ratings on other measures.

Medicare performed better than the private insurers in most areas, said Dr. Lawrence Casalino, a University of Chicago health economist and former physician. Commercial insurance plans compete by promising employers that they are tough on holding down the cost of claims, he said.

“There’s no question that administrative costs for doctors and the country would be a lot lower in a single-payer system,” Casalino said in an interview after the meeting. But a market-based system has advantages of competition, choice and innovation, he said. “Are the benefits enough to justify the cost?”

Peter Lee of the Pacific Business Group on Health welcomed the report card, but said he hoped the AMA would look at a broader range of areas that would be helpful to consumers.

“Increased payments to physicians means increased premiums and increased costs in a system that is spiraling out of control,” Lee said.

Susan Pisano, a spokeswoman for America’s Health Insurance Plans, said that for claims to be processed accurately and quickly it takes two parties: insurers and doctors.

She complained that while insurance companies that rate doctors generally share the information with doctors before they make it public, the AMA did not share its report with insurers before releasing it online Monday.

In other action Monday:

• The delegates voted to lobby for legislative changes that would allow pilot studies to find out if offering financial incentives would increase the number of organs available for transplant from deceased donors. According to the AMA resolution, pilot studies involving payment are barred under the National Organ Transplantation Act.

• Delegates took a step back from endorsing programs that use undercover patients to evaluate the performance of doctors and their staffs. The delegates sent the matter back to the AMA ethics council. Doctors were concerned that these sham patients, used by some hospitals and clinics to evaluate health care performance, take time away from real patients.

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Report Card: http://www.ama-assn.org/go/cureforclaims