Posts Tagged ‘State’

Health care reform and buying coverage across state lines

I hope you all had a wonderful Thanksgiving. Now that that’s over, Congress is back in session, and the Senate is tackling the health care reform issue.

One of the things that is being discussed in reforming our health insurance system is allowing people to buy insurance plans from other states where they might be able to find less expensive plans. I’m not sure how this is supposed to work, and here’s why.

One reason the cost of plans is lower in some states than is others is the number of mandated services a health plan is required to cover. The more a plan is required to cover, the higher the cost of coverage. For example, California has 56 required services that each plan must cover.  By contrast, Idaho has 13 state mandates. We aren’t at the top of the list by any means; Virginia has 60 mandates and Maryland has 66. Want to check out what kinds of things are mandated, click here.

Another area that needs to be addressed is how physicians and others are paid. HMO plans in California tend to be more expensive than PPO plans in the individual market, but you have lower out of pocket costs when obtaining care on an HMO plan. (The opposite is usually true in group health insurance.) The reason this can be is through very specific networks of contracted doctors. Most people know that you don’t have coverage if you go outside the HMO network unless it’s an emergency. So maybe you just don’t offer HMOs between states.  But PPOs have networks too. If you see a contracted doctor you are covered at a higher level than non-contracted doctors. So if you are in California and buy a plan from Kansas, would you always be covered at the lower reimbursement rates?  Larger carriers like United Healthcare and Aetna have networks in most states, but what about the smaller, regional carriers without networks in other states? How would that work?

Another aspect of provider payment that affects premiums is how much providers are paid. Care in some states is less expensive than others, so how do you pay providers in the ‘expensive’ states versus the less expensive, and what will that do to the cost of insurance in those states where lower costs of care are factored into the cost of insurance? You could still end up with the problem of some people being ‘under insured’ depending on how reimbursement is worked out.

So be careful what you ask for, you may gt it. The more you want covered in a plan, the more it’s going to cost. Just remember the old marketing adage, if it sounds too good to be true, it usually is.

Health Care Bill Would Bring Higher State Medicaid Costs

The health bill passed by the House of Representatives Sunday would cost Nevada taxpayers an extra $613 million from 2014-2019, to provide health care to the needy.

According to early state estimates, the bill would make an additional 70,000 residents eligible for Medicaid. The state would be mandated to cover another 8,000 individuals who are now eligible but have not applied to be covered by the state health insurance program for the poor.

About 209,000 Nevadans are currently covered by Medicaid.

Including state and federal money, “the total cost of reform is $2.3 billion,” said Mike Willden, director of the state Department of Health and Human Resources.

Willden went through the numbers for the Nevada Vision Stakeholder Group, formed to develop a plan for the future, looking ahead as much as 20 years.

Meanwhile, Gov. Jim Gibbons railed against the costs of the bill in a written statement Monday: “The bill disguises its true cost by shoving Medicaid expansions down to the state level and shuffling Congressional Budget Office estimates into later years so it appears to save federal tax dollars. It is an insult to those who truly care about meaningful health care reform.”

But Jon Sasser of Washoe Legal Services said during the Vision Stakeholder meeting the bill will expand the number of people eligible for Medicaid and that should put less stress on counties, which handle medically needy cases. “It means extra millions of federal dollars coming into our state,” Sasser said.

Most of the health care bill doesn’t kick in until 2014, Willden said. Some states are starting early, but Willden said he doesn’t see Nevada doing that because of its budget shortfall.

The federal-state dollar match for Medicaid is 50-50. Federal stimulus funds pushed that to a 64 percent federal match, saving the state $40 million to $45 million a quarter. But after the stimulus money expires Nevada will be back to picking up the 50 percent share, Willden said.

Willden said only 8 percent of the population is covered compared to 14 percent in other states. The state spends $435 per capita compared to the national average of $1,021.

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The Abysmal State of Mental Health in the United States

The recent tragedy at Virginia Tech illuminates the colossal failure of government and public policy to all our citizens who have mental disabilities and are ignored, denied. blurred, blamed and are invisible. The Federal Government should lead in establishing an environment of reality and acceptance of treatment without the ignorant stigma of shame. Mental problems are just as legitimate as a cut needing stitches or a heart attack. Yet people who seek help for a psychological problem are still looked upon as flawed and blamed for not being able to handle their own problems.

We need public education to encourage individuals to go for help when they recognize feeling out–of-control or in a situation where they need counseling, support and advice. Some problems are chemical imbalances and often medications can reduce symptoms or stabilize the individual, if the person takes the medication. They don’t always take them because the medications have such uncomfortable side effects that the patient believes that the disease is easier to cope with than the drugs.

Other problems are situational and don’t need to be medicated but brought to the surface, worked out and resolved. The best way to do this is through “talk therapy.” There are many modalities that effectively work to educate and empower people to stop repeated patterns of destructive and self-deprecating behaviors. Being molested as a child is one example. There is no drug to resolve the damage done and continuing negative effects on adult relationships like trust issues, guilt, shame and sexual confusion and dysfunction. These issues need to be resolved by other means.

Medicating such a wound just exacerbates the dilemma and doesn’t resolve or heal the wound. Neither does behavior modification.

Grief is similar issue. Typically it isn’t pathological, yet it hurts like hell for a long time. Medication isn’t recommended. Talking about the pain and expressing the hurt is a healthier way to deal with grief. Knowing what to expect, the hot spots and the time frame is empowering. Just knowing that the immediate pain will heal itself is part of the healing process.

Historically, we as a nation have attached a stigma of shame on the individual suffering from a mental problem and on the family. I know because in 1956 my father was diagnosed with bipolar disorder and rather than go to a hospital and inflict shame on his family and himself he killed himself at 45 years old.

In the 1960’s we began systematically to empty out all our mental hospital. Often they were less than ideal, but rather than reform them we dumped the patients onto the street. Most homeless people have serious mental health problems and so do most inmates in jail. Today when a person is identified with serious mental problems there is no place to put him or her, few long-term beds and certainly not an adequate amount are available for the mentally ill. Half way houses substitute as a safe place to be housed, but they are rarely safe. And inmates in jail don’t get adequate mental health help to prevent recidivism, returning to jail after they are released.

Then in the 1990’s the Health Maintaince Organizations (HMO’s) appeared on the reimbursement stage and embraced short-term therapy with an emphasis on behavioral modification and limited psychotherapy to six or on occasion twelve sessions. Any additional sessions need to be approved by the HMO before they would be paid. This was the death knoll to effective therapy for the severely mentally ill.

Behavior modification is basically a band-aid type of therapy believing if you change your thoughts you heal any pain or problems from old wounds. Just sweep it under the carpet and it will fade away. This works for some minor problems and patients who can adjust in a very structured modality but is not realistic for more severely wounded people, some need months and even years of therapy. The most seriously disturbed patients may take months just to establish trust in their therapist before they even reveal what happened to them.

States don’t have enough money to adequately fund Community Mental Health Programs. Many people fall between the cracks even when identified and mandated to get out patient therapy. Mental health practioners are overloaded, overwhelmed and underpaid. It is a job with high burn out and high turn over. A patient may begin with one therapist, who moves on and the patient is transferred and has to start all over with someone else.

Private insurance limits the number of visits they will pay for through reimbursement and co-payments. They closely monitor the number of visits, that are regulated by HMO staff. A mental health professional literally has to beg for additional visits when deemed necessary. Additionally the HMO tells the practitioner what they will pay and it is rarely his or her regular fees, always less.

Mental health must become a higher priority in this country to prevent innocent people from becoming victims. All of society is responsible for this tragedy. We must demand more education, better treatment and prevention strategies to avoid similar incidents in the future.

This is a broken system and needs to be fixed. Now!

This article was written by Nancy O’Connor Ph.D.. She worked as a Psychotherapist for 23 years and was the Director of the Grief and Loss Center in Tucson, Arizona for 12 years . She is the author of the best selling book Letting Go With Love: The Grieving Process and How to Grow Up When You’re grown Up: Achieving Balance in Adulthood. How To Talk To Your Doctor. Her books may be reviewed and purchased at http://www.lamariposapress.com