Sunday, March 31, 2013

Three Years On, States Still Struggle With Health Care Law Messaging

March 30, 2013

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Joy Reynolds of San Diego looks at the newspapers on display at the Newseum in Washington, D.C., on June 29, 2012, following the Supreme Court ruling on President Obama's health care law.

David Goldman/AP

Joy Reynolds of San Diego looks at the newspapers on display at the Newseum in Washington, D.C., on June 29, 2012, following the Supreme Court ruling on President Obama's health care law.

David Goldman/AP

It is hard to imagine that after three years of acrimony and debate we could still be so confused about President Obama's Affordable Care Act.

Is it actually possible Americans know less about Obamacare now than they did three years ago? Apparently that is the case, and the news comes just as the most sweeping effects of the law are about to kick in.

According to a new poll by the Kaiser Family Foundation, 80 percent of people don't know whether their state is going to expand Medicaid under the law, a huge piece of the health care changes coming down the pike.

“ People just don't have any idea about how they will be impacted.- Ron Cookston, Gateway to Care, Texas Half of people don't know whether their states are going to be setting up so-called health exchanges, and half of people think the law gives undocumented immigrants health care subsidies � it doesn't. The poll also shows that 40 percent of people still think the government is going to set up death panels to decide if someone gets heath care when they're dying � it won't. To further illustrate confusion about the law, 70 percent of people said they like the initiatives in the law when they were asked specifically about each one, but only 37 percent of people said they liked the law itself. Where Are We Now? NPR's health policy correspondent Julie Rovner says a lot of the confusion regarding the Affordable Care Act comes, in part, from a commanding "misinformation and disinformation" campaign. "It has worked better than the people who were trying to put the law into effect, who have been working to put the law into effect rather than messaging about it," Rovner tells weekends on All Things Considered guest host Laura Sullivan. There are essentially three big pieces to the Affordable Care Act: the insurance reforms (also known as the patients' bill of rights), quality and cost measures, and the health care mandate. The insurance reforms portion has mostly taken effect, Rovner says, and includes things like allowing adult children to stay on their parents' health insurance until they are 26, and not letting health plans cancel coverage after you get sick. These are things she says most polls show Americans back. The quality and cost measures are mostly behind-the-scenes changes that are meant to change the way health care is delivered to improve the care patients get to save money for both the patient and the government. The third part goes into effect on Jan. 1, and is the one that has caused the most controversy: the health care mandate. In an effort to get about 30 million more people health insurance, those who don't have coverage will pay a penalty. "This October is when small businesses and people without insurance can start enrolling in these so-called health exchanges," Rovner says. "That's where they'll be able to shop for health plans if they have moderate incomes [and] they'll be eligible for subsidies from the government to help pay for the plans." For low-income Americans who live in a state that has decided to accept the option to expand Medicaid, they can see if they qualify. As part of the Supreme Court's decision to uphold the Affordable Care Act, it made the Medicaid expansion portion of the law optional. "So we're still waiting to see how many states take up the federal government's offer to pay for most of that cost," Rovner says. Despite the law's efforts to get all Americans health coverage, she says, some Americans could still fall through the cracks if their state doesn't take the option to expand Medicaid. The Risks Of Opting Out In order to get everyone health care coverage � whether a 22-year-old working in a coffee shop or a 58-year-old who's just been kicked off another insurance plan � the idea was that every state would create something called a health care exchange. This is a fancy way of saying each state would build a website and offer folks a sampler platter of low-cost insurance options. The law, however, gave states the chance to opt out of creating one. So far 26 states � mostly red states and mostly on ideological grounds � have done just that. It doesn't mean the exchanges aren't coming to those states or that people in those state's wont have to get insured, it simply means the federal government will build the exchange for those states. One of the states opting out of building its own health exchange is Texas. "Texas has the distinction of having the most uninsured people as a percentage of the population [than] any place in the country," says Ron Cookston, executive director of Gateway to Care, a nonprofit health care advocacy group in Houston. Almost 30 percent of adults in Texas lack health care insurance, according to the research company Gallup. Cookston and other advocates have to find a way to reach out to all those people and let them know what's coming.

"The state of Texas ... [has] great capabilities, and it would have been wonderful if since the passage of the Affordable Care Act they had begun to help communicate and inform our public so they would be ready," Cookston tells NPR's Sullivan. "People just don't have any idea about how they will be impacted."

Texas Gov. Rick Perry has been outspoken about his opposition to Obamacare, saying it costs too much and "kills too many jobs." Perry has also rejected Medicaid expansion in his state, which would have provided care to more than 1 million poor Texans.

President Obama says the federal government would pick up the tab, but Gov. Perry says he believes the state will be left with higher costs in the long run.

In Houston, where Cookston's group operates, few people who will be required to use the health care exchange know anything about it.

"When leadership in any state talks about things in a negative way, it becomes awfully easy for the general public to dismiss it and not think about it," he says.

The federal government is going to send organizations like Cookston's group some money to help get the word out, but he says what they're missing is a coordinating central body.

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"The government of the state of Texas, they are not doing anything at this point in time," he says. "We certainly are, neighborhood by neighborhood ... because that's how this will have to be done � church by church, community by community. Unfortunately, we've not had the support of the [state]."

Spreading The Message

Unlike Texas, California has decided to build its own health exchange. The state has even gave it a catchy name, Covered California.

"[We're] doing consumer surveys, marketing and focus groups," says Peter Lee, who is running the state's health care effort. "So come this summer, we're going to hit the ground in a big way with messages that we know will resonate."

The state is hiring thousands of people to get Covered California off the ground, and the federal government is giving the state $900 million to do it. The "ground troops" needed to spread the message, Lee says, will come from the community.

"We'll be funding groups in communities across the state that are based in faith-based organizations, schools [and] unions," he says. "Because we know that delivering this message needs to come from your neighbor, from people in your community."

About 2.5 million Californians will be eligible for subsidies through Covered California, a diverse group of people, says Lee. He says the state needs to have outreach that speaks to farmers and people in rural communities, and in dozens of languages in downtown urban areas.

About half the states are following California's lead, setting up their own exchanges and using what is essentially seed money from Washington to get them off the ground.

"These are states that have said, 'Lets get this venture capitalist funding from the federal government to set up an exchange that works right for our state,' " Lee says.

For consumers, however, it doesn't matter if you're in Texas or California or anywhere else in the country, the law is clear: The uninsured are expected to get coverage by January. Whether those folks will be informed and ready by then is not so clear.

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Friday, March 29, 2013

Obamacare Won't Affect Most 2012 Taxes, Despite Firm's Claim

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Saturday, March 23, 2013

Health Insurers Warn on Premiums

From the Wall St. Journal –

Health insurers are privately warning brokers that premiums for many individuals and small businesses could increase sharply next year because of the health-care overhaul law, with the nation’s biggest firm projecting that rates could more than double for some consumers buying their own plans.

The projections, made in sessions with brokers and agents, provide some of the most concrete evidence yet of how much insurance companies might increase prices when major provisions of the law kick in next year�a subject of rigorous debate.

The projected increases are at odds with what the Obama Administration says consumers should be expecting overall in terms of cost. The Department of Health and Human Services says that the law will “make health-care coverage more affordable and accessible,” pointing to a 2009 analysis by the Congressional Budget Office that says average individual premiums, on an apples-to-apples basis, would be lower.

The gulf between the pricing talk from some insurers and the government projections suggests how complicated the law’s effects will be. Carriers will be filing proposed prices with regulators over the next few months.

Part of the murkiness stems from the role of government subsidies. Federal subsidies under the health law will help lower-income consumers defray costs, but they are generally not included in insurers’ premium projections. Many consumers will be getting more generous plans because of new requirements in the law. The effects of the law will vary widely, and insurers and other analysts agree that some consumers and small businesses will likely see premiums go down.

Starting next year, the law will block insurers from refusing to sell coverage or setting premiums based on people’s health histories, and will reduce their ability to set rates based on age. That can raise coverage prices for younger, healthier consumers, while reining them in for older, sicker ones. The rules can also affect small businesses, which sometimes pay premiums tied to employees’ health status and claims history.

Continue reading…

Health Insurers Warn on Premiums

From the Wall St. Journal –

Health insurers are privately warning brokers that premiums for many individuals and small businesses could increase sharply next year because of the health-care overhaul law, with the nation’s biggest firm projecting that rates could more than double for some consumers buying their own plans.

The projections, made in sessions with brokers and agents, provide some of the most concrete evidence yet of how much insurance companies might increase prices when major provisions of the law kick in next year�a subject of rigorous debate.

The projected increases are at odds with what the Obama Administration says consumers should be expecting overall in terms of cost. The Department of Health and Human Services says that the law will “make health-care coverage more affordable and accessible,” pointing to a 2009 analysis by the Congressional Budget Office that says average individual premiums, on an apples-to-apples basis, would be lower.

The gulf between the pricing talk from some insurers and the government projections suggests how complicated the law’s effects will be. Carriers will be filing proposed prices with regulators over the next few months.

Part of the murkiness stems from the role of government subsidies. Federal subsidies under the health law will help lower-income consumers defray costs, but they are generally not included in insurers’ premium projections. Many consumers will be getting more generous plans because of new requirements in the law. The effects of the law will vary widely, and insurers and other analysts agree that some consumers and small businesses will likely see premiums go down.

Starting next year, the law will block insurers from refusing to sell coverage or setting premiums based on people’s health histories, and will reduce their ability to set rates based on age. That can raise coverage prices for younger, healthier consumers, while reining them in for older, sicker ones. The rules can also affect small businesses, which sometimes pay premiums tied to employees’ health status and claims history.

Continue reading…

Friday, March 22, 2013

Colorado Doctors Treating Gunshot Victims Differ On Gun Politics

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Thursday, March 21, 2013

Affordable Care Act at 3: Paying for Quality Saves Health Care Dollars

This blog originally appeared on the Health Affairs Blog.

For decades before the passage of the Affordable Care Act, health care costs outstripped inflation, without corresponding improvements in health care quality.� Our system didn�t incentivize quality or efficiency.� We paid providers for the quantity of care, not the quality of care.� And we were not using technology to deliver smarter care.

The Affordable Care Act includes steps to improve the quality of health care and lower costs for you and for our nation as a whole.� This means avoiding costly mistakes and readmissions, keeping patients healthy, rewarding quality instead of quantity, and creating the health information technology infrastructure that enables new payment and delivery models to work.

Here are just a few ways that the health care law builds a smarter health care system and incentivizes quality of care � not quantity of care - to drive down costs and save you money.

We�re Shifting the Focus to Quality, Not Quantity

The health care law creates new Accountable Care Organizations (ACO) that incentivize doctors and other providers to work together to provide more coordinated care to their patients. �ACOs agree to take responsibility for the cost and quality of their patients� care, to improve care coordination and safety, and to promote appropriate use of preventive health services.� And when this new care model saves the Medicare program money, that savings is shared with the ACO. Over 250 organizations are participating in Medicare ACOs, giving more than 4 million Medicare beneficiaries access to high-quality coordinated care throughout the nation.� ACOs are estimated to save the Medicare program up to $940 million in the first four years.

The Affordable Care Act also ties Medicare Advantage bonus payments to the quality of coverage these private plans offer.� This gives seniors a broader range of higher-quality Medicare Advantage plans from which to choose.� As a result, in 2013, the 14 million Medicare beneficiaries currently enrolled in Medicare Advantage have access to 127 four- and five-star plans, which is 21 more high-quality plans than were available in the previous year.

Keeping You Out of The Hospital

Every year, about 2.6 million seniors � or nearly one in five hospitalized Medicare enrollees � are readmitted within 30 days of discharge, at a cost of more than $26 billion to the Medicare program.� Many of these readmissions stem from preventable problems. These rates can be drastically reduced if we do a better job coordinating care and support.� The health care law�s Hospital Readmissions Reduction Program reduces Medicare payments to hospitals with relatively high rates of potentially preventable readmissions to encourage them to focus on this key indicator of patient safety and care quality.

We�re starting to see results.� Medicare readmissions rates have remained stuck near 19 percent over the five years that the data has been collected (and likely for decades prior to that), but in 2012 the nationwide rate of hospital readmissions of Medicare patients declined to about 17.8 percent.� This translates to over 70,000 fewer preventable hospital readmissions.

Lowering Costs

Taken together, these improvements are providing more value for your health care dollar and helping to fuel historically low cost growth rates in Medicare and Medicaid.� Last year, per-beneficiary Medicare costs increased by only 0.4 percent, continuing the historically low Medicare growth we saw in 2011 and 2010. Per-beneficiary spending in Medicaid actually decreased 1.9 percent from 2011 to 2012.�

And a recent report found that health care price inflation in January dropped to 1.5 percent, one of the smallest increases on record.

As the nation�s largest insurer, Medicare can lead the way in effective practices like this that deliver better care and drive down costs.� Our goal is that these reforms and investments build a health care system that will ensure quality care for generations to come.

Learn more about the key features of the Affordable Care Act.

Follow Secretary Sebelius on Twitter at @Sebelius.

As Health Law Turns Three, Public Is As Confused As Ever

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Wednesday, March 20, 2013

How Ideas To Cut ER Expenses Could Backfire

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Friday, March 15, 2013

Health Care Spending: A 21st Century Gold Rush

Winston Churchill once remarked, �Americans will always do the right thing, once they�ve exhausted all alternatives.� His observation, at least the second half of it, is proving itself as we continue to struggle with our health care system, especially its out-of-control costs that are crippling the budgets of businesses and government alike.

There is a lot of money in our health care system, and no enforceable budget. That leads to carelessness when it comes to spending that money.

What are some of the reasons health care costs continue to rise? Here are a few examples.

For at least the past 40 years, I�ve heard colleagues say, �We�d better get our fees and charges up now, because next year they�re really going to crack down on us.� It has never happened, yet. The problem is intensifying as outpatient �providers� have morphed from being real people into being corporations.

The Los Angeles Times reported on a case where a teacher�s group health plan was billed $87,500 by an �out of network� provider for a knee procedure that normally costs $3,000. Her health plan was willing to pay it. Outraged, the teacher ratted on the orthopedic surgicenter to California�s attorney general. After the press got involved, the charge was �reduced� to only $15,000. Not a bad pricing strategy, from the surgicenter�s point of view.

The New York Times reported an incident where a student who needed emergency gallbladder surgery ended up with a couple of �out-of-network� surgeons through no fault of his own. He was billed $60,000. His insurance company was willing to pay only $2,000. He was left to deal with the rest of the bill on his own.

There are many more examples. Privately insured patients are not the only ones affected. Governors around the country are continuing to struggle with how to pay for their Medicaid programs. In Oregon, Democratic Gov. John Kitzhaber is trying to find ways to impose a fixed budget on Oregon�s Medicaid program without adversely affecting Medicaid beneficiaries. But, he acknowledges, disciplining Medicaid alone will not do the job. He hopes his approach will be adopted by most other health insurance programs.

In Maine, Republican Gov. Paul LePage is struggling not only with how to keep up with burgeoning current Medicaid costs, but also how to pay the state�s almost $500 million past-due Medicaid debt to hospitals. He has proposed lowering liquor prices to boost sales, and mortgaging Maine�s future liquor revenues to secure bonds to pay the debt. His Republican colleagues in the Legislature have described this idea as �creative.�

One of the central features of Obamacare is the creation of �health insurance exchanges,� or online marketplaces. But the law has recognized that many people will need help making the right choices. So it has created an army of �navigators� to help them. A recent Washington Post story points out that a huge number of such experts will be necessary (California alone plans to certify 21,000 of them). Their cost will be reflected in higher health insurance premiums and has sparked opposition from insurance brokers who view them as competition. That will be an expensive fight, without increasing the amount going to actual health care by a single dollar.

Then there is the purchase of politicians by powerful corporate interests. When the Medicare prescription drug benefit was enacted in 2003, it was prohibited from negotiating lower drug prices, even though the veterans health system and many Medicaid programs are permitted to do so. The lead congressman pushing that provision retired from Congress soon after it was passed to take a lucrative job with the pharmaceutical industry. This has become standard practice in Washington.

And don�t forget the for-profit levels of compensation paid to the executives of nonprofit hospitals.

Meanwhile in Massachusetts, where Obamacare was born, health care costs are expected to rise six to 12 percent next year. Last year, their legislature passed a law capping increases in total private and public spending statewide, limiting them to the rate of growth of the Massachusetts economy. But the job of figuring out how to actually get it done was turfed to an �expert panel� of �stakeholders.� My bet is that such cost control will be difficult or impossible to achieve unless we simplify and centralize the way we finance health care.

Why does this financial abuse of taxpayers and patients continue? Because we let it. Americans often react to structural problems by simply throwing more money at them. We seem to be unable to say �no more.�

Maybe it�s time to revisit the part of Churchill�s comment about Americans always doing the right thing � by emulating the policies of most other wealthy countries. They have health care systems that are more popular than ours, provide better access to care, get better results, and are far less expensive.

Maybe it�s time to put everybody into a single, nonprofit system we can all support, within a budget acceptable to the majority of people. That arrangement would eliminate the political fights among people in different health insurance programs, each questioning change by asking, �How does it benefit me?�

Such a system would be best if done at a national level. But it could work initially at the level of individual states, such as Maine. That�s how the Canadians did it � one province at a time. If Maine could be one of the first states to do that, the people of Maine could truly say �Dirigo, I lead.�

Physician Philip Caper of Brooklin is a founding board member of Maine AllCare, a nonpartisan, nonprofit group committed to making health care in Maine universal, accessible and affordable for all. He can be reached at pcpcaper21@gmail.com.

Cardiac Arrest Survivors Have Better Outlook Than Doctors Think

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Thursday, March 14, 2013

Can You Get A Flu Shot And Still Get The Flu?

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Just Say No To The 'Cinnamon Challenge'

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Wednesday, March 13, 2013

6,000 Nurses Bring Robin Hood to Chicago

From National Nurses United –

More than 6,000 nurses and activists gathered at Daley Plaza in Chicago Friday to rock out with musician Tom Morello and call for a tax on financial speculation � a Robin Hood tax. This small sales tax on Wall Street trades could raise up to $350 billion a year in the U.S., money that American communities desperately need.

It’s time for Wall Street to start paying what all the rest of us pay,� Karen Higgins, RN, told a cheering crowd, many wearing red nurse scrubs and green Robin Hood caps. Higgins, who works as a registered nurse in Boston, is co-president of National Nurses United, the country�s largest registered nurses� union, which organized the rally.

As nurses, they see how the economy is hurting families and communities across the country. They understand the suffering Americans face every day � in healthcare, foreclosure, jobs, and education.

I’ve been a nurse for 38 years and I have never seen our communities in such disarray and in such suffering as I have in the last couple of years,� said Deborah Burger, RN, and NNU co-president. They got us into this mess and they have the money to bail us out.

Indeed they do — almost a quarter of the nation�s GDP � close to $4 trillion � sits in corporate coffers, the largest cash hoard in U.S. history.

We are here to protest all the people that are taking all the money out of our economy,� said Jean Ross, RN, and co-president of NNU. �We the 99 percent know what it�s about. We set an alarm. We work for a living. We don’t sit by a swimming pool and wait for our dividends to come in.

More than 100 organizations of community, environmental, labor, and health groups from around the world endorsed the event.

RoseAnn DeMoro, NNU�s executive director, thanked everyone for being there and gave a special shout-out to Occupy protesters.

�To all the community groups, the political groups, the non-profit groups that came out to support us — bless you,� DeMoro said. �It�s your voices that are going to make a difference in this country.

Also speaking at the rally was Tom Hayden, student activist during Chicago’s 1968 protests.

The rally ended with a performance by music legend Morello, who played with bands Rage Against the Machine and Audioslave, and is also known for his acoustic music as The Nightwatchman.

It�s an honor to be here today in my hometown of Chicago with the nurses union. I want to thank them for standing up for free speech, for standing up for economic justice, and standing up for me,� he said.

Morello�s reference was to a standoff between the nurses and the City of Chicago over a permit to assemble in Daley Plaza. The city changed the permit last week that would move the rally away from downtown Chicago. After nurses and the community protested, the city caved and allowed the rally to go on at the plaza as planned.

Before the rally, nurses attended an international panel discussion on global austerity and ways to fight back, including the Robin Hood tax.

It�s so important we have a strong Robin Hood tax campaign,� said J�rn Kalinski, Oxfam Germany director of lobbying and campaigns. �We need America to come around on this issue.

In addition to Kalinski, other speakers included:

Mi Jung Han, RN, Vice President, Korean Health and Medical Workers Union (South Korea), David Hillman, Coordinator, Stamp Out Poverty (UK), Rosa Pavanelli, President, Funzione Pubblica CGIL (Italy) and Vice President, European Federation of Public Service Unions (EPSU), Linda Silas, RN, President, Canadian Federation of Nurses Unions (Canada), and Brenda Cristina Morales, RN, Regional Coordinator, Sindicato Nacional de Trabajadores de Salud deGuatemala (SNTSG) (Guatemala) made presentations.

Meet Dr. Quentin Young

For those of you unfamiliar with Dr. Young, he has been a tireless advocate for single payer health care for over twenty years, but that is just one item on a CV that includes:
- Practicing medicine for over sixty years (he’s recently retired)
- President of the Medical Committee for Human Rights,(physicians who traveled to treat victims of racial violence)during the most tumultuous years of the civil rights movement, 1963-69
- Personal physician for Dr. King when he was in Chicago (Dr. Young was marching alongside Dr. King when attacked in Chicago. Can you think of a better guy to be next to you when you’re hit by a brick?)
- Chair of the Chicago Health Department under Mayor Harold Washington, and personal physician to Studs Terkel, and Mike Royko as well

Doc Young celebrated his 85th birthday this year, and his energy and enthusiasm puts us both to shame. Take it away, Doc!

Find the full article on the Daily Kos

Affordable Care Act is Working to Bring Down Health Care Costs

Before the Affordable Care Act passed, the dramatic rise in health care costs put access to health care coverage out of reach for many Americans. With many people no longer able to afford coverage, the cost of uncompensated care in hospitals rose and those costs were passed along to people that could afford coverage. And, at the same time, health care�s share of the nation�s economy was growing rapidly.�

Three years later, the Affordable Care Act is working to bring down health care costs.

The law includes innovative tools to drive down health care costs.� It incentivizes efficient care, supports a robust health information technology infrastructure, and fights fraud and waste. ��After decades of growing faster than the economy, last year, Medicare costs grew by only four-tenths of a percent per person, continuing the trend of historically low Medicare growth seen in 2011 and 2010.

Major progress in Medicare is sparking smarter care in the private market, and it�s working to bring down costs in the private market. Overall health-care costs grew more slowly than the rest of the economy in 2011 for the first time in more than a decade. And just last week, USA Today reported health care providers and analysts found that �cost-saving measures under the health care law appear to be keeping medical prices flat.�

Even though the health care law is working to bring down costs, critics continue to claim the law is too expensive.� In reality, the law is fully paid for, and according to the independent Congressional Budget Office, the law reduces the deficit over the long term.� The facts show that employers, patients and our federal budget can�t afford to roll back the law now:

Fully repealing the Affordable Care Act would increase the deficit by $100 billion over ten years and more than a trillion dollars in the next decade.� It would also shorten the life of the Medicare Trust Fund by eight years.Health care spending grew by 3.9 percent in 2011, continuing for the third consecutive year the slowest growth rate in fifty years.Health-care costs grew slower than the rest of the economy in 2011 for the first time in more than a decade.The proportion of requests for double-digit premium increases plummeted from 75 percent in 2010 to 14 percent so far in 2013.Medicaid spending per beneficiary decreased by 1.9 percent from 2011 to 2012.Medicare spending per beneficiary grew by only 0.4 in fiscal year 2012.Slower growth is projected to reduce Medicare and Medicaid expenditures by 15 percent or $200 billion by 2020 compared to what those programs would have spent without this slowdown, according to CBO.

At the same time the law is driving down cost growth, the Affordable Care Act is strengthening coverage and expanding coverage.� Thanks to the law, more than 34 million people with Medicare received a no-cost preventive service.� And, over six million Medicare beneficiaries received $5.7 billion in prescription drug discounts.�

Some have proposed turning Medicare into a voucher program--undercutting the guaranteed benefits that seniors have earned and forcing them to pay thousands more out of their own pockets.� If we turn Medicare into a voucher program, our system doesn�t have any incentives to be more efficient and lower costs.� Instead, as costs rise, vouchers will leave seniors to pay more and more out of their own pocket. �

The health care law is working to lower costs, increase efficiency, and deliver better patient outcomes � without cutting costs at seniors� expense.� In recent years, we have seen dramatic slowing of the growth of federal health care programs.� The best approach to reducing our deficit is to continue implementing common-sense reforms.� The health care law is putting us on the right path to make Medicare and Medicaid stronger, more efficient and less costly.�

Monday, March 11, 2013

Health Spending Increases Remain At Record Lows

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Sunday, March 10, 2013

Breaking It Down: The Health Care Law & Women

The President's health law gives hard working, middle-class families the security they deserve.� The Affordable Care Act forces insurance companies to play by the rules, prohibiting them from dropping your coverage if you get sick, billing you into bankruptcy through annual or lifetime limits, and, soon, discriminating against anyone with a pre-existing condition.

In the past, women often had to pay more for coverage that sometimes didn�t even cover their needs � that�s changing under the health care law. Over 20 million women with private health insurance are receiving expanded preventive services with no cost-sharing, including mammograms, cervical cancer screenings, prenatal care, flu and pneumonia shots, and regular well-baby and well-child visits. What�s more, 1.1 million women between 19 and 25 who would have been uninsured, have coverage under their parent�s health insurance plan. Women are often the ones making health care decisions for the family. The health care law puts them back in charge by shining much-needed light on our health insurance marketplace and cracking down on unjustified premium hikes.

Here are more ways the law helps women:

Soon, being a woman will no longer be a pre-existing condition. Before the Affordable Care Act became law, insurance companies selling individual policies could deny coverage to women due to �pre-existing conditions,� such as having cancer and being pregnant. In 2014, it will be illegal for insurance companies to discriminate against anyone with a pre-existing condition, including women.� Already, insurance companies are banned from denying coverage to children because of a pre-existing condition.Women Have a Choice of Doctor. Thanks to the Affordable Care Act, all Americans in new insurance plans have the freedom to choose from any primary care provider, OB-GYN, or pediatrician in their health plan�s network, or emergency care outside of the plan�s network, without a referral.Women Can Receive Preventive Care Without Copays. Thanks to the Affordable Care Act, all Americans in new health care plans can receive recommended preventive services, like mammograms, new baby care and well-child visits, with no out-of-pocket costs. See a list of preventive services for women.Women Pay Lower Health Care Costs. Before the law, women could be charged more for individual insurance policies simply because of their gender. A 22-year-old woman could be charged 150% the premium that a 22-year-old man paid. In 2014, insurers will not be able to charge women higher premiums than they charge men. In addition, the law takes strong action to control health care costs, including helping States crack down on excessive premium increases and making sure most of your premium dollars go for your health care.

Saturday, March 9, 2013

Payment Can Be Elusive For Medicare Beneficiaries In Personal Injury Cases

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More Answers To Your Questions About The Health Care Law

More From Shots - Health News HealthFlu Risk And Weather: It's Not The Heat, It's The HumidityHealthCould A 'Brain Pacemaker' Someday Treat Severe Anorexia?HealthA Man's Journey From Nepal To Texas Triggers Global TB ScrambleHealthShrimp Trawling Comes With Big Risks

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Friday, March 8, 2013

Medical students embrace Medicare for all

If you ever want to rekindle your hope for American medicine, spend time with medical students. These bright, energetic minds are going into medicine for all the right reasons � to help people, relieve suffering and find new ways to cure illness and eradicate disease.

Their idealism is a pleasure to behold, particularly to a veteran physician like me. Yet I’m painfully aware of how our current health care ‘system” can undermine students’ idealism, especially if they see no alternative.

Fortunately, a better alternative is waiting in the wings: a single-payer, improved Medicare-for-all program. Most Americans, including 59 percent of physicians, want access to an improved Medicare. I’m pleased to report that our physicians-in-training are strong supporters of this truly universal, comprehensive and affordable alternative.

Why? Even before they graduate, today’s medical students learn how our Byzantine, antiquated system of patchwork private insurance undermines medical care. They recognize an imperative to correct social injustice, for both moral and pragmatic reasons.

Medical students learn that as practicing doctors they’ll be dealing with dozens of different insurance schemes, each with its own rules, paperwork and bureaucratic headaches.

As physicians-in-training, they encounter patients who have delayed surgery until they qualified for Medicare at age 65 � often with more difficult and sometimes fatal complications as a result. They meet grandmothers who have had to decide between paying for medications for their hypertension and paying the rent.

They see patients with employer-sponsored health insurance get sick, lose their job, lose their insurance and declare bankruptcy. In fact, medical expenses are the most common cause of bankruptcy.

Like everyone else, medical students are shocked when they see these inequities and inefficiencies. They believe your wealth should not determine your health and that poor health should not be able to destroy your wealth. And, of course, they’re right.

I recently had a chance to discuss these issues with students at both of the major medical schools in town. Just last month the new St. Louis chapter of Physicians for a National Health Program brought in Dr. Garrett Adams, PNHP’s national president, and Dr. Carol Paris, a single-payer advocate from Maryland, to speak with students at those schools.

The sessions were co-sponsored by the American Medical Student Association, a long-standing supporter of a single-payer system that has about 30,000 members nationwide.

It was clear from our local meetings that growing numbers of our medical students reject our dysfunctional, insurance-based system. They want something better. Many understand there is a breathtakingly simple solution: fix the limitations in Medicare and provide it to every American. More than 30 percent of the health care dollar today is wasted on the administrative costs associated with the private health insurance industry; Medicare spent only 1.5 percent on administrative costs during 2011.

A landmark study in the New England Journal of Medicine (2003) showed that by replacing our fragmented, inefficient patchwork of multiple insurers with a single, streamlined, nonprofit agency like Medicare that pays all medical bills, our nation would save about $400 billion annually in reduced administrative costs � enough money to provide comprehensive, high-quality coverage to every American for no more than our nation spends now.

According to Gerald Friedman, professor of economics at the University of Massachusetts-Amherst in the March/April 2012 issue of Dollars and Sense, “a single-payer system would save as much as $570 billion now wasted on administrative overhead and monopoly profits.” Spending would increase by $326 billion from expanding coverage and adjusting Medicaid rates. Americans would net a savings of $244 billion, enjoy universal coverage and eliminate the dreadful scenarios described above. Disposable income would increase for 95 percent of Americans.

Because a single-payer system would possess enormous bargaining clout, it also would be able to rein in costs for pharmaceutical drugs and other medical supplies over the long haul.

I believe that adopting an “improved and expanded Medicare for all” is the best way for students and physicians to return to their mission of caring for our patients, rather than squandering our time navigating administrative barriers erected by insurance companies. And make no mistake � these are barriers to care, with dire consequences.

Although we spend more on health care per capita than any other country in the world, American life expectancy ranks 38th.

My colleagues and I came away from our student meetings confident that the future of medicine is in good hands. The medical students we met didn’t get lost in jaded political quagmires.

They know it’s inevitable. They just want it to happen now.

Me too.

Dr. Ed Weisbart is chairman of Physicians for a National Health Program�St. Louis.

Thursday, March 7, 2013

Reaffirming Our Commitment to Fighting – and Preventing – Breast Cancer

October is National Breast Cancer Awareness Month � a time to remember those who have lost their lives to breast cancer, those who are battling it now, and to celebrate with those who have survived. It is also a time to reaffirm our commitment to fighting breast cancer and to remind ourselves of the importance of prevention and early detection.

In recognition of Breast Cancer Awareness Month, I had the privilege of joining actress Jennifer Aniston, who recently directed a new Lifetime Original movie exploring a family affected by breast cancer, Dr. Jill Biden, and a small group of breast cancer survivors, providers and others, to discuss lessons learned from those who have been treated for breast cancer. We also talked about how important it is to coordinate health care, so we can do more to treat and prevent breast cancer.


The White House, seen from the North Grounds, is bathed in pink light in honor of�
Breast Cancer Awareness Month, Oct. 14, 2010. (Official White House Photo by Lawrence Jackson)

Breast cancer remains one of the most frequently diagnosed cancers among American women and despite remarkable advances in treatment and prevention, it remains the second leading cause of cancer death.

Regular mammography screenings help ensure that breast cancer does not take the lives of more women. The chance of successful treatment is highest when breast cancer is detected early.� However, only about 67 percent of women aged 40 or older have had a mammogram in the last two years. If 90 percent of women 40 and older received breast cancer screening, 3,700 lives would be saved each year. Yet in a time when budgets are tight, costs � even moderate co-pays � deter many patients from receiving these important screenings.

Thanks to the health reform law, the Affordable Care Act, most private health plans and Medicare now cover women�s preventive health care � such as mammograms and screenings for cervical cancer �with no co-pays or other out-of-pocket costs. This means that women can get services they need to detect or prevent breast cancer before it spreads or becomes fatal, without worrying that they�ll have to pay for these services out of their own pockets.� This year to date, 3.8 million women in traditional Medicare have gotten a free mammogram.�

In addition to regular mammography screenings, there are steps that women can take that may reduce their risk of developing brea st cancer. Women should talk with their doctor about their personal risk for breast cancer, when to start having mammograms, and how often to have them. If they are found to be at increased risk of breast cancer because of medical or genetic history, they should talk with their doctor to decide what the best options are to reduce their breast cancer risk. With the release of the new Women�s Preventive Services Guidelines, a well-woman visit is available� so women have the opportunity to discuss their health care needs with their medical provider�at no additional cost.

Women also have new rights and protections against insurance company abuse under the Affordable Care Act. If diagnosed with breast cancer or another illness, women are now protected from having their coverage taken away if they get sick and when they need coverage the most.

The health reform law is also helping women who are going, or have gone through, costly breast cancer treatment. Today, insurance companies can�t impose lifetime limits on coverage.�And in most health plans, annual limits will be restricted. This means that your health insurance will be there right with you, covering your treatments, as long as you need it.

Beginning in 2014, it will be illegal for insurance companies to discriminate against anyone with a pre-existing condition. In the past, insurance companies could deny coverage to women due to pre-existing conditions such as breast cancer, and if coverage was attained, insurance companies set lifetime and annual limits on what the companies would spend for benefits.

These changes are making real differences in the lives of American women and families. Prevention, coupled with continued research, will help save more lives and improve the quality of life for all of us touched by breast cancer.

Uninsured Woman, Shoots Herself In Shoulder To Get ER Treatment

An unemployed Michigan woman who was unable to afford medical treatment for a searing pain in her shoulder took matters into her own hands last week, shooting herself in the shoulder in a last-ditch effort to get into the ER.

Kathy Myers, 41, said she was pushed to the brink of desperation Thursday night because she was “crazy in pain,” and the local hospital emergency room would give her no more than a handful of anti-inflammatory pills.

“Pain will make you do silly, crazy things,” the 41-year-old Niles, Mich., woman said in a YouTube.com interview with News 8 in Grand Rapids, Michigan. “I knew they wasn’t going to do anything, again. They said if it wasn’t life-threatening, no health insurance, you can’t get no help.”

In the video, she reenacts how she covered her right shoulder and head with two pillows before pointing her .25-caliber handgun at her own body.

“I took the gun and went ‘Boom!’” she said.

Myers was treated for the gunshot wound at Lakeland Community Hospital and released a few hours later, reports ABCNews.com. She said the self-inflicted wound did not help her achieve her goal.

“It didn’t take the pain away,” she told News 8.

Tuesday, March 5, 2013

A Costly Catch-22 In States Forgoing Medicaid Expansion

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Monday, March 4, 2013

Single-Payer Debate on NPR

Yesterday, Dr. Steffie Woolhandler, of Physicians for a National Health Program, debated Robert Moffit, of the Heritage Foundation, on single-payer healthcare and healthcare reform on NPR’s Radio Times.

Here’s the NPR description and an MP3 of the hour-long debate.

When Barak Obama outlined his proposal for reforming the health care system, the concept of a single-payer system was once again left out of the equation. But there still is a strong and vocal voice for the concept. What is a single payer system and why is it, or isn’t, the solution to our health care crisis? Our guests are ROBERT MOFFIT of the Heritage Foundation and STEFFIE WOOLHANDLER of Physicians for a National Health Program.

Audio clip: Adobe Flash Player (version 9 or above) is required to play this audio clip. Download the latest version here. You also need to have Javascript enabled in your browser.


Click the little triangle.

Eric Massa: The Single Payer Moment (video)

Eric Massa of New York�s 29th District has been making the case for single payer healthcare. The advice he was given when he decided to run for congress was, “don�t do it.” As a first year congressman he�s been advised not to take a stand, especially on a hot button issue like healthcare. But rather than accept the conventional wisdom, Massa has voted against the bank bailout and fought loudly for single payer healthcare. A cancer survivor, Massa says that the healthcare system in this country is literally killing people. And Massa says that he hopes a public option is part of any healthcare bill that emerges from congress this year.

Sunday, March 3, 2013

Got health care?

Jersey City resident Bill Armbruster was laid off in February from his job as editor of a newsletter called the Shipping Digest, but he got to keep his health plan until August of 2010.

But he worries what will happen when his coverage expires.

�If I try to buy insurance on the private market, I would probably have to pay at least $1,000 a month � if I could get it, and I doubt that I could,� Armbruster said. �That�s because I have neuropathy, a nerve disease, and the insurers don�t like to sell insurance to people with a pre-existing condition.�

He added, �At that point, I�ll be 61 � four years before I would be eligible for Medicare in August. I could be forced into bankruptcy if I get seriously ill or have a serious accident.�

This nightmare scenario could be allayed, according to Armbruster, if the United States had a single-payer health care system. Under the single-payer system, the government would pay for health care, much as it does with Medicare.

That system would be implemented if Congress was ever to pass The United States National Health Care Act (HR 676), a bill that would expand and improve Medicare to 100 percent of all necessary medical care, including dental and psychiatric care and long-term care for everyone in the United States, with no deductibles and no co-pays.

It would be funded by a payroll tax of 4.5 per cent from employers and 3.3 per cent from employees, plus one third of one percent of all stock transactions.

The care still would be delivered by private doctors and health professionals. This system would also eliminate the need for many, if not all, private health care insurance companies.

HR 676 currently has the endorsement of over 75 members of Congress, including U.S. Rep. Donald Payne, who represents Jersey City and Bayonne. But it does not have the backing of the most important politician of them all � President Barack Obama.

Armbruster is among local residents who have been pushing for support for the bill.

Single payer has its advocates

Physicians for a National Health Program, a Chicago-based non-profit organization of 16,000 physicians, medical students, and health professionals, has advocated for single-payer national health insurance based on several findings:

- The U.S. is tops amongst industrialized countries in the amount spent on health care, $8,135 per person, yet 47 million people nationwide are without health coverage.

- Private insurance bureaucracy and paperwork consumes 31 per cent of every health care dollar.

- Payment through a single nonprofit payer would save more than $350 billion per year, they say.

A recent study commissioned by the California Nurses Association found that improvements to Medicare to make it a single-payer plan would create 2.6 million new jobs, infuse $317 billion in new business and public revenues, and inject another $100 billion in wages into the U.S. economy.

But advocates aren�t just engaged in academic research to support their cause. Scheduled for this weekend is a National Day of Action on Saturday in various cities such as New York, organized by a coalition of non-profits, to call for the single-payer system. And on Sunday, a conference on single-payer health care will be held in Princeton.

This activity will be the latest of several to spotlight the issue. A more extreme event took place earlier this month during a protest at a Congressional hearing on health care reform that led to the arrest of 13 health professionals, who took issue with single-payer advocates being shut out of the hearing.

Not everyone feels good

President Obama has addressed the single payer issue in recent months, most famously at a town hall meeting in New Mexico on May 14 when an attendee asked about why single-payer is not a priority for the White House and Congress.

�If I were starting a system from scratch, then I think that the idea of moving towards a single-payer system could very well make sense,� the president responded.

However, Obama then laid out his opposition to single-payer, stating, �The only problem is that we�re not starting from scratch. We have historically a tradition of employer-based health care. And although there are a lot of people who are not satisfied with their health care, the truth is, is that the vast majority of people currently get health care from their employers and you�ve got this system that�s already in place.�

Instead, Obama is working with Congress on a comprehensive health care reform bill that could be unveiled as early as next month allowing for private and public health care options.

Ironically, when Obama was a U.S. Senator in 2003, he was a strong advocate for the single-payer system.

Obama is also helped by a grassroots campaign known as Healthcare for Americans Now (HCAN), made up of progressive groups and unions across the country backing Obama on his health care plan. Among the backers locally is the Hudson County Central Labor Council AFL-CIO out of Jersey City.

But the health insurance lobby wants to torpedo any health care reform plan that takes corporations out of equation. The non-partisan Center for Responsive Politics found health care corporation lobbyists have spent over $130 million in the first three months of 2009 on opposition advertising.

Seeing it from both sides

Bayonne resident Doreen DiDomenico is the chairperson of the Hudson County Board of Freeholders, which voted in January to support HR 676.

She is also Dr. DiDomenico, a licensed psychologist who works at Rutgers University�s Anxiety Disorders Clinic in Piscataway, and also specializes in developmental disabilities such as autism.

DiDomenico said in an interview last week that when she voted to support HR 676, she did not have an opportunity to research the single-payer issue, which she called �controversial,� and is open to any new health care system that works for both patient and doctor.

�I work at a clinic that is out-of-network for my patients, which means the reimbursement is much lower, but that is because of a multitude of health care insurance plans making it cumbersome to do my job,� DiDomenico said. �I have to make a living, but I don�t want patients to be in distress because of their health care plan.�

DiDomenico continued, �Something has to be done, especially in one of the most advanced nations in the world.�

DiDomenico remembered a close friend who put off getting checked for continuous backaches and headaches because she did not have health care insurance.

�She had put it off for so long that when she finally paid out of her pocket, the doctors informed her that she had cancer, which took her pretty quickly,� DiDomenico said.

To find out more about the single-payer issue, visit www.healthcare-now.org or www.pnhp.org.

Seniors are Saving Money Today and Tomorrow, Thanks to Health Care Law

Like thousands of Americans, Vero Beach, Florida resident William Morris is suffering from a rare, but treatable cancer. Compounding that difficult diagnosis is further bad news that, like many cancer drugs, the medicine he so desperately needs is very expensive.

But help with this cost came for William and his wife Suzanne from newly enhanced benefits under Medicare Part D � made possible by the health care reform law, the Affordable Care Act.� Thanks to the law, William saved $2,000 on the cost of his chemotherapy drugs.

Suzanne and William Morris are not alone. For years, seniors have watched their health care bills go up. The Affordable Care Act helps folks like the Morris family, and other seniors, by closing the gap in prescription drug benefits known as the �donut hole.��To assist those in the coverage gap, the law adds increased help for seniors and people with disabilities over time until the donut hole closes in 2020.� �William and Suzanne benefited from that help when they received big discounts on the medicine they needed.� People in the coverage gap also receive a 50% discount on expensive brand-name drugs covered by Part D and a 7% discount on generic medicines.

Today, we announced that in 2011 about 3.6 million people with Medicare benefited from donut hole discounts�saving a total of $2.1 billion, or an average of $604 per person.

And a new report released today finds that these discounts and other parts of the Affordable Care Act will lead to even bigger savings in the years ahead. According to the report, the average person with Medicare will save approximately $4,200 from 2011 to 2021, while those with high prescription drug costs will save much more � as much as $16,000 over the same period.� This is especially good news for people with chronic conditions such a diabetes and high blood pressure who must take their medication every day for many years.

For older Americans and people on disabilities who live on fixed incomes the value of this help cannot be overstated. Evidence indicates that as many as 25 percent of people with Medicare Part D stop taking their medicine when they are in the coverage gap. Thanks to the Affordable Care Act, they won�t have to.

For people like William who are fighting life-threatening or debilitating diseases, this benefit can help them heal, improve the quality of their lives and prevent the sometimes devastating results of leaving chronic conditions untreated.

Saturday, March 2, 2013

Obama and Daschle should opt for single-payer

Barack Obama needs to make good on his campaign pledge to reform health care. It is not enough to throw the issue off to former Senator Tom Daschle, Obama�s choice to head the Department of Health and Human Services.

Daschle says he wants to hear from us, the American people, on this issue. So we should oblige him.

Obama and Daschle have a choice: Rely on a private insurance-based plan that does little to mitigate the escalating health care crisis, or solve the problem once and for all and adopt universal, single-payer health care.

Many in Congress, the media, conservative think tanks and some advocacy groups � led by the Service Employees International Union and its business allies � are stumping for piecemeal changes.

Such a path would perpetuate the crisis and deal a cruel blow to the hopes of Americans for real reform. Those in Congress and liberal policy organizations who are embracing caution or promoting more insurance, not more care, are playing a risky game. It could jeopardize the health security of tens of millions of Americans and, in the process, fatally erode public support for the Obama administration.

Hardly a day passes without fresh signs of the health-care implosion.

Just days after the election, the New York Times reported a sharp increase in cost-shifting in employer-paid health plans, with more employers pushing high deductible plans that typically cost workers thousands of dollars in out-of-pocket payments.

Similarly, the Wall Street Journal reported a huge spike in health care premiums for small businesses, which prompted many to raise deductibles or cut coverage.

The consequences are chillingly apparent. In October, the Washington Post cited a study that found one-fourth of Americans are skipping doctors� visits, and 10 percent could not take their child to the doctor because of cost.

That same month, USA Today reported that one in eight patients with advanced cancer turn down recommended treatment because of the bills.

America is falling embarrassingly behind.

A study by the Commonwealth Fund in November compared adults with chronic conditions, such as high blood pressure, diabetes, or heart disease, in seven major industrialized countries. A stunning 54 percent of the American respondents said they were likely to go without recommended care, compared to just 7 percent of chronically ill patients in the Netherlands. Over 40 percent of the Americans spent more than $1,000 on medical bills, compared to just 4 percent of British and 5 percent of French patients.

If we adopted a universal, single-payer system like these European countries, or if we simply expanded Medicare to all Americans, we would rectify this problem.

The need is urgent. Today 46 million Americans are without health care.

Millions more are at risk of losing it during this recession. And huge numbers of Americans with insurance can�t afford the cost hikes.

At some point, our government must stop subsidizing these private companies and start investing in the American people.

The time to do so is now.

The best way to get it done is to guarantee all Americans health care in a single-payer system.

Tell Obama and Daschle to support improved Medicare for all.

Rose Ann DeMoro is executive director of the 85,000-member California Nurses Association/National Nurses Organizing Committee.

This article is from the Progressive.

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Friday, March 1, 2013

A Mother's Death Tested Reporter's Thinking About End-Of-Life Care

More From Shots - Health News HealthHealth Insurers Brace For Consumer Ratings In Some StatesHealthA Mother's Death Tested Reporter's Thinking About End-Of-Life CareHealthSacrificing Sleep Makes For Run-Down Teens � And ParentsHealthChange In Law May Spur Campus Action On Sexual Assaults

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