How companies are quietly changing your health plan to make you pay more

https://www.washingtonpost.com/news/wonk/wp/2016/09/14/the-quiet-change-to-insurance-plans-thats-making-health-care-more-expensive-for-patients/?_hsenc=p2ANqtz–a1tLHuuWbLDRr3vfl_vZWfJIr1163X7jwzsY9F5bjKZH9j8pjJ07N0ZJpCrTMnoGIXnIr7TqG7dAsJwyjClgznOWyIg&_hsmi=34365867&utm_campaign=CHL%3A%20Daily%20Edition&utm_content=34365867&utm_medium=email&utm_source=hs_email

Editor’s Pick: The More Things Change, The More They Stay the Same

In 1971, President Nixon proposed a national health insurance plan built on heavily employer private coverage. Senator Ted Kennedy proposed what would today be called a single-payer plan. In 1974, the debate had morphed into Nixon vs. Kennedy-Mills vs. Organized labor. Despite the prediction in the second clip shown, the result was stalemate rather than passage in 1974 or 1975.

 

Uwe Reinhardt: Adverse risk selection crippling Obamacare

http://www.healthcaredive.com/news/uwe-reinhardt-adverse-risk-selection-crippling-obamacare/425182/

  • The ACA has failed to attract enough younger, healthier people to the public insurance exchanges, causing Aetna and other private insurers to exit the market rather than shoulder the costs of sicker people, according to Princeton economist Uwe Reinhardt.
  • To deal with adverse risk selection — where sicker-than-average individuals buy insurance while younger, healthier ones don’t — some payers plan to raise premiums more than 25% in 2017.
  • That will lead even more young, healthy individuals to forego obtaining ACA coverage, creating even greater adverse risk selection, Reinhardt says.

A parents guide to insurance for college students

http://www.latimes.com/business/la-fi-insurance-college-students-20160818-snap-story.html?utm_campaign=CHL%3A+Daily+Edition&utm_source=hs_email&utm_medium=email&utm_content=33162087&_hsenc=p2ANqtz–oGMdL54bGWmXuheSaar3exrxVK9X6tFYcawqTveZbG4oIT-peCnS7CSZ_NVuEy9ojjYFtMushXGqBCzJ9QZT3sjObyA&_hsmi=33162087

College student

Saying the last goodbye in the dorm parking lot, you realize more than ever that you can’t protect your child from every risk. It’s time to let go.

But back at home, you can assemble a strong financial safety net. Knowing what your current insurance will pay for — and whether you need to buy extra coverage — is a good first step.

Here’s how to evaluate your auto, homeowners, life and health insurance needs as your child heads to college.

How Clinton and Trump view Medicare and retiree health plans

http://www.cbsnews.com/news/how-clinton-and-trump-view-medicare-and-retiree-health-plans/?utm_campaign=CHL%3A+Daily+Edition&utm_source=hs_email&utm_medium=email&utm_content=33162087&_hsenc=p2ANqtz-9oAIbaDQtxb4QcswlBvNhptpEnOvAuPzdM3wZ5GPdm93T9u09D7SfE0LClB9DcepAVRVolZJmQkwZXYhWNWpR3jUrmqg&_hsmi=33162087

 

When It’s Time To Split Up The Family

When It’s Time To Split Up The Family

Businessman hand drawing an umbrella above a family concept for protection, security, finance and insurance

All five members of the Wadstein family have Covered California’s most comprehensive — and expensive — level of health insurance, even though the two youngest children are the only ones who need that kind of plan.

Zachariah, 8, and Zoey, 2, have a serious metabolic disorder, but the El Cajon family was told it couldn’t purchase a benefit-rich plan for them and a separate, cheaper policy for the other three, said their mom, Christine Wadstein.

That’s about to change. This month, Covered California began making it easier for families like the Wadsteins to choose different health plans for different members of the family.

Will Your Prescription Meds Be Covered Next Year? Better Check!

http://www.npr.org/sections/health-shots/2016/08/15/489790412/will-your-prescription-meds-be-covered-next-year-better-check

Express Scripts assures patients it has a policy of not putting cancer medicine or mental health drugs on the list of products it excludes from its formulary.

The battle continues to rage between drug companies that are trying to make as much money as possible and insurers trying to drive down drug prices. And consumers are squarely in the middle.

That’s because, increasingly, prescription insurers are threatening to kick drugs off their lists of approved medications if the manufacturers won’t give them big discounts.

Healthcare, holding politicians accountable among top concerns for US Hispanics

http://www.dailynews.com/social-affairs/20160816/healthcare-holding-politicians-accountable-among-top-concerns-for-us-hispanics?utm_campaign=CHL%3A+Daily+Edition&utm_source=hs_email&utm_medium=email&utm_content=33045560&_hsenc=p2ANqtz–sDlffUnvzl4kd2HbOJpvdFMdiYOIiKusnuv4i_Q7cZizQGgs7326JwDMZ_6RNsry6HDY1Ndf5Ieypa7IROhZPMbEqAg&_hsmi=33045560

One of several panel discussions at the Aspen Institute Latinos and Society second annual “America’s Future: Reimagining Opportunity in a Changing Nation” summit at the California Endowment on Tuesday, Aug. 16, 2016 in Los Angeles.

Quality affordable healthcare and holding elected officials accountable for their decisions are among the highest priorities for Hispanics in the U.S., according to a new Harris Poll survey.

Seventy-seven percent of Hispanics surveyed rated quality affordable healthcare as “absolutely essential/extremely important” to improving opportunity in their community while 76 percent rated holding elected officials accountable as “absolutely essential/extremely important,” said Abigail Golden-Vazquez, executive director of The Aspen Institute’s Latinos and Society Program, at the institute’s second annual America’s Future Summit on Tuesday at the California Endowment in downtown Los Angeles.

Indiana woman released from Cancún hospital after paying $67k toward bill

http://www.beckershospitalreview.com/finance/indiana-woman-released-from-cancun-hospital-after-paying-67k-toward-bill.html

Earlier this week, Gabriela Martínez Hernández, a lawyer for Amerimed Cancún Hospital, issued a statement saying the hospital “never has, and never will, refuse to release a nonpaying patient for financial reasons. It is unethical and against the law.”

Amerimed Cancún Hospital is part of Amerimed Hospitales, a chain of private hospitals throughout Mexico. Two of the system’s facilities in Los Cabos were closed down by Mexican officials earlier this year due to predatory business practices and billing.