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Sunday, January 4, 2015

Health Care Reform Articles - January 4, 2015

A Public Hospital That Serves the Poor — With Lawsuits

By Paul Kiel /  Pro Publica
December 24, 2014
COMMENTS
More than a century ago, Alabama enshrined a basic protection in the state’s constitution shielding its poorest citizens from being forced to pay debts they couldn’t afford.
But a public hospital in the mostly rural southeast corner of the state has found a way around the law. Before patients can receive treatment at Southeast Alabama Medical Center, they must sign a form waiving that legal protection, clearing the way for the facility to seize funds from their pay or bank accounts to cover medical debts.
ProPublica and NPR reported last week that nonprofit hospitals, which are legally required to offer discounted care to the poor, often sue low-income patients and garnish hefty portions of their pay.

http://www.alternet.org/public-hospital-serves-poor-lawsuits?akid=12649.109750.B_wEZ5&rd=1&src=newsletter1029704&t=18


Rethinking The Gruber Controversy: Americans Aren’t Stupid, But They’re Often Ignorant — And Why

December 29th, 2014
by Uwe Reinhardt

M.I.T. economist Jonathan Gruber, whom his colleagues in the profession hold in very high esteem for his prowess in economic analysis, recently appeared before the House Committee on Oversight and Government Reform. Gruber was called to explain several caustic remarks he had offered on tortured language and provisions in the Affordable Care Act (the ACA) that allegedly were designed to fool American voters into accepting the ACA.
Many of these linguistic contortions, however, were designed not so much to fool voters, but to force the Congressional Budget Office into scoring taxes as something else. But Gruber did call the American public “stupid” enough to be misled by such linguistic tricks and by other measures in the ACA — for example, taxing health insurers knowing full well that insurers would pass the tax on to the insured.
During the hearing, Gruber apologized profusely and on multiple occasions for his remarks. Although at least some economists apparently see no warrant for such an apology, I believe it was appropriate, as in hindsight Gruber does as well. “Stupid” is entirely the wrong word in this context; Gruber should have said “ignorant” instead.

Stupid Versus Ignorant

“Stupid” means “unable to learn.” The American people, or for that matter any other people on earth, are not unable to learn. Just ask any military officer what youngsters with varied socio-economic backgrounds and without advanced formal education can learn if properly taught, as they are routinely when enrolled in the best educational institution in the United States, namely the armed forces.
“Ignorant” means “lacking knowledge.” It is altogether different from “stupid.” Can anyone seriously deny that large numbers of American voters are ignorant of the intricacies of many issues in public policy, especially when they involve economic analysis?
There are good reasons for this lack of knowledge.
Why American voters are often ignorant on policy questions. First, most public policies are highly complex and involve troublesome economic and ethical trade-offs among desirable goals. Mastering them takes careful study.
Second, Americans on average work substantially more hours per year than do citizens in most other developed nations. Voters in the U.S. simply do not have time to delve as deeply into these complexities as more narrowly focused experts can. I personally, for example, must confess complete ignorance on the intricacies of many policy issues outside my professional purview — for instance, global warming and climate control.
Third, hard as it is to be objectively and accurately informed on particular issues of public policy, there are large and well-financed industries on both sides of the political spectrum that bombard the public with judiciously biased information. And rather than enlightening the public on issues of public policy, the business model of the television media and some of the print media has gravitated more and more towards channeling preferred ideologies and carefully biased information. Thus the innocent idea to compensate physicians for helping their patients with composing living wills quickly became Third Reich“death-panels,” and the duly elected President of the United States found himself openly smeared as a Nazi.
Finally, and this must be said candidly as well, throughout the ages and to this day many members of the public have shown no interest in public policy at all, unless it hurts their own pocketbooks. Of that segment of the public, for example, the first century Roman poet Juvenal wrote in dismay, “Duas tantum res anxius optat, panem et circenses.” (Its anxious longing is confined to two things–bread and circus games.) These preoccupations can make people seek nourishment at the public trough all the while cursing government interference in their lives, as was so vividly reported in Benjamin Applebaum’s and Robert Gebeloff’s “Even Critics of Safety Net Increasingly Depend on It” in The New York Times(February 12, 2012). I am grappling with the search for an adjective to describe this peculiar posture. Is “ignorant” good enough?

The Ubiquity of Spinning    

http://healthaffairs.org/blog/2014/12/29/rethinking-the-gruber-controversy-americans-arent-stupid-but-theyre-often-ignorant-and-why/

Ebola response shows flaws in US system

By Felice J. FreyerGLOBE STAFF  JANUARY 03, 2015

The threat of Ebola over the last several months tested the nation’s ability to cope with an unfamiliar disease, raising troubling questions about what will happen when the next dangerous new germ arrives on US shores.
After Thomas Eric Duncan was misdiagnosed in a Dallas hospital and later infected two nurses with the deadly virus, government agencies and hospitals around the nation responded quickly to prevent another such incident. But it took that calamity in October to trigger measures that, critics say, a well-prepared system would have had in place.
“The approach has been shutter the firehouse until there’s a fire,” said Dr. Paul E. Jarris, executive director of the Association of State and Territorial Health Officials.
Federal money for public health and hospital readiness has been drastically cut since the now-forgotten fears of avian flu a decade ago, and an estimated 50,000 public health workers’ jobs have been eliminated amid state and federal cutbacks in recent years. And yet, public health officials say, the Ebola response demonstrated the importance of government’s role in communicating with health care institutions and the public.
The United States lacks a central authority and coordination among a constellation of federal, state, and local agencies, said Dr. Irwin Redlener, director of Columbia University’s National Center for Disaster Preparedness. In the United Kingdom and Canada, he said, national health systems permit the federal government to designate Ebola hospitals and to set clear, mandatory protocols.
“What we have here,” Redlener said, “are a collection of random acts of preparedness.”
The appointment of federal Ebola “czar” Ronald Klain has helped galvanize a response, Redlener said, and the nation is probably now, finally, ready to cope with the threat of Ebola.
“Again,” he said, “we’re laser-focused on what happened yesterday.”
But what will happen tomorrow?
It could be something much scarier than Ebola.

http://www.bostonglobe.com/metro/2015/01/03/ebola-exposed-flaws-nation-ability-respond-dangerous-new-germs/K26m73JZ5zn4tEXKKvLMZJ/story.html


Supreme uncertainty: The future of the Affordable Care Act in Maine

By Jackie Farwell, BDN Staff
Posted Jan. 03, 2015, at 5:59 a.m.
More than a year has passed since the federal government welcomed Healthcare.gov into the world. After some sleepless nights during those first tumultuous months, President Barack Obama’s administration saw its newborn health insurance marketplace slowly gain footing.
Today, Healthcare.gov is finally walking. But on wobbly legs. And some of the other kids don’t want to play with it.
Many Americans wonder how the insurance marketplace — a signature component of Obama’s Affordable Care Act — will turn out. The next year will prove a key test, as consumers continue sorting out what the health reform law means for them, politicians wage war over its many provisions, and the Supreme Court weighs a case that could bring it to its knees. Or not.
Here’s what to expect from year two and beyond for the ACA in Maine.
http://bangordailynews.com/2015/01/03/health/supreme-uncertainty-the-future-of-the-affordable-care-act-in-maine/print/


Arizona Supreme Court Allows Challenge to State’s Medicaid Expansion

By TIMOTHY WILLIAMS and RICK ROJASDEC. 31, 2014
The Arizona Supreme Court ruled Wednesday that a lawsuit challenging the legality of the state’s Medicaid expansion could proceed, dealing a setback to one of Gov. Jan Brewer’ssignature initiatives less than a week before she leaves office.
Ms. Brewer was one of a few Republican governors who sought to expand Medicaidbenefits at the state level, a crucial provision of President Obama’s federal health care law.
Unable to garner enough support among Republican lawmakers, Ms. Brewer formed a coalition with Democrats in 2013 to push the law through a stormy special session in which members of her party angrily denounced the plan and proposed numerous amendments in an attempt to stall passage.
Since then, opponents have sought to undo the legislation through lawsuits and petition drives.
The state court’s unanimous decision Wednesday held that the method used to pay for the Medicaid expansion — an assessment placed on Arizona’s hospitals — could be challenged by the Goldwater Institute, a conservative public policy organization representing 36 Republican lawmakers who oppose the law.
The case was sent back to the lower court, the Maricopa County Superior Court, which had previously ruled that the lawmakers did not have the legal standing to sue.
If the court eventually determines that the hospital assessment is actually a tax, the state legislature would be required to approve it by a two-thirds majority instead of a simple majority.
That could spell trouble for the measure. The State Senate initially approved it by an 18-11 margin and the State House by a 33-to-27 vote.
The expansion was intended to offer health care benefits to about 350,000 residents who earn wages less than or only moderately more than the federal poverty level. There are about 250,000 people enrolled in the program, which will remain in place as the case plays out.
In a statement, Ms. Brewer said she was confident the legality of the hospital assessment, which is expected to raise about $250 million this budget year, would be upheld.
http://www.nytimes.com/2015/01/01/us/politics/arizona-supreme-court-allows-challenge-to-states-medicaid-expansion.html?mabReward=RI%3A8&action=click&pgtype=Homepage&region=CColumn&module=Recommendation&src=rechp&WT.nav=RecEngine
Obamacare's guaranteed health coverage changes lives in first year
By NOAM N. LEVEY
Like many working Americans, Lisa Gray thought she had good health insurance.
That was until she was diagnosed with leukemia in mid-2013, and the self-employed businesswoman made a startling discovery: Her health plan didn't cover the chemotherapy she needed. "I thought I was going to die," Gray, 62, said recently, recalling her desperate scramble to get lifesaving drugs.
Through a mix of temporary measures, doctors and patient advocates managed to keep Gray stable for a few months.
But it was a new health plan through the Affordable Care Act that Gray credits with saving her life. The plan, which started Jan. 1, 2014, gave her access to the recommended chemotherapy. Her cancer went into remission in the fall.
It is now one year since the federal law began guaranteeing coverage to most Americans for the first time, even if they are sick.
Some consumers pay more for insurance. Some pay less. Doctors, hospitals and businesses are laboring to keep up with new requirements. And across the country, "Obamacare" remains a polarizing political issue.
For many Americans like Gray — who were stuck in plans that didn't cover vital services or who couldn't get insurance because of a preexisting medical condition — the law has had a personal, even life-changing impact.
"A couple years earlier, I think I would have been done," Gray said.
Even the law's supporters concede more must be done to control healthcare costs and ensure access to care.
But the insurance guarantee — which includes billions of dollars in aid to low- and middle-income Americans — has extended coverage to about 10 million people who previously had no insurance, surveys indicate. That cut the nation's uninsured rate more than 20% last year, the largest drop in half a century.
The law also changed coverage for millions more people who were in plans like Gray's that capped or excluded benefits, a once-common feature of health insurance that is now banned.
Working out of a trim, white Colonial in suburban Washington, D.C., Gray thought little of these potential changes when President Obama signed the health law in the spring of 2010. She didn't involve herself in politics. She'd had health insurance for decades.
With a monthly $1,095 premium, the Kaiser Permanente plan that she had gotten through her husband's employer wasn't cheap.
But it was her only option. As a breast cancer survivor, Gray probably wouldn't have been able to find a new plan; insurers in 2013 could still turn away consumers with preexisting medical conditions.
Gray was focused on her business as a consultant who helped companies put together bids for government contracts.
In her free time, she volunteered with Susan G. Komen, the nation's largest breast cancer foundation. "I was in give-back mode," said Gray, who sports a pink ribbon on her car and displays a pink Halloween pumpkin on her lawn every year.
Then, on the morning of May 20, 2013, Gray skidded off the road driving to her vacation condominium on Maryland's Eastern Shore. Aside from a few bruises, she was unhurt.
But she had a bigger surprise at the emergency room. A routine blood test showed an unusually high white blood cell count.
Gray had chronic myeloid leukemia, a relatively uncommon form of cancer that starts in the bone marrow and leads to the production of abnormal blood cells.
The disease is now considered highly treatable. Gray's oncologist at Kaiser prescribed the standard oral chemotherapy, a medication known as Gleevec.
Much relieved, Gray called her pharmacy to pick up the prescription.
There was a pause on the line. The pharmacist asked Gray if she knew the drug would cost $6,809 a month.
"I freaked out," she recalled. "Why would they even make this drug if people can't afford it?"
Neither Gray nor her doctor realized her Kaiser plan only covered $1,500 worth of prescription drugs a year, a provision spelled out in small type in Appendix B of her 80-page plan brochure.
Caps on coverage were once routine; most commercial health plans once put some kind of annual or lifetime limit on how much care they covered.
"Patients often didn't know they had inadequate coverage until they were diagnosed with a catastrophic illness," said Dr. S. Yousuf Zafar, an oncologist at Duke Cancer Institute who studies how costs affect cancer care.
Gray desperately looked for help.
She earned too much to qualify for most charity programs that drug makers offer. Kaiser wouldn't lift her drug cap. And with a cancer diagnosis, she wouldn't be able to get a new insurance plan.
http://www.latimes.com/nation/la-na-obamacare-patient-20150103-story.html#page=1

Barb Gabri of Lewiston: ‘Rolling the dice’ without insurance

By Lindsay Tice, Sun Journal
Posted Jan. 04, 2015, at 6:11 a.m.
Name: Barb Gabri
Age: 55
Location: Lewiston
Insurance for 2014: Employer
Barb Gabri isn’t a fan of the Affordable Care Act. At least she hasn’t seen it help many people — particularly families that earn too much for government assistance but not enough to pay for their own health insurance.
“My heart breaks right down the middle, and I don’t know how to help them,” she said.
A human resources professional for more than 20 years, she now works for a nonprofit health care agency. The organization’s health insurance costs have skyrocketed recently, up 20 percent one year, then 30 percent the next, despite the cost-containment promises of the ACA. To compensate, the organization has slashed the percentage it pays toward health insurance, both for its workers and for their families.
“They were devastated, just like I was. I had people crying, going into the HR office and saying ‘Remove my child from my insurance for next year.’ They don’t qualify for MaineCare because they make $60,000. They don’t qualify for a subsidy [on the ACA marketplace],” she said.
In case some workers could qualify for a subsidy, Gabri’s employer brought in experts to guide them through Healthcare.gov, the ACA insurance marketplace. But the help seemed more confusing than actually helpful. And while some people qualified for subsidies, Gabri discovered a number of them put down the wrong information — such as net pay instead of gross. It’s a difference that could cost those people their subsidy, and their affordable insurance, later on.
“I think that is going to be a fiasco when that all starts to unravel,” she said.
Gabri herself didn’t qualify for a subsidy. She and her husband earn too much.
But they couldn’t afford insurance through her employer anymore, either.
What had cost them $108 per week will, in 2015, cost $183 per week. That’s an additional $300 per month. Plus a higher deductible.
As a part-time, six-days-a-week postal worker, Gabri’s 58-year-old husband doesn’t get help with insurance through work. He’d have to pay for the entire thing himself, and that would cost even more than sharing Gabri’s.
So they made a decision: take him off her insurance and pay the penalty for not being insured in 2015. It’s not a decision they’re happy with, but it’s the only option they can see.
“He’s not insured now. At all,” she said. “We’re rolling the dice.”
She added, “We hope we can figure it out before the February deadline for the ACA [marketplace].”
 http://bangordailynews.com/2015/01/04/health/barb-gabri-of-lewiston-rolling-the-dice-without-insurance/print/

Lewiston insurer is a national ‘rock star’


By Lindsay Tice, Sun Journal
Posted Jan. 04, 2015, at 6:04 a.m.
LEWISTON, Maine — When Kevin Lewis helped start Maine Community Health Options in 2011, the health insurance co-op had no employees and no one banging down the door looking for health insurance (it didn’t actually have a door, either).
No one knew how a health insurance co-op would do in Maine, mostly because co-ops never existed before the 2010 Affordable Care Act allowed for their creation. Could an insurance company run by members for members — like a credit union — compete with traditional, powerhouse insurers like Anthem Blue Cross and Blue Shield? Would people take a risk on the new guy in town?
Lewis and his partner thought MCHO would be doing well if it got 15,500 members in 2014, its first year selling and administering insurance plans. They figured MCHO might hit 40,000 members some day, somewhere around the year 2019.
They were very wrong.
In a good way.
Today, a year after it started offering health insurance from its Lewiston headquarters in the Bates Mill, MCHO has more than 40,000 members — five years sooner than projected. It ruled the ACA marketplace in 2014, with 8 out of 10 Mainers signing up with MCHO rather than Anthem.
MCHO now employs 129 people, more than twice the workforce it had a year ago, and even that’s not enough; the co-op recently signed with a Fort Kent call center to help handle the call overflow. To accommodate its workers in Lewiston, MCHO has taken over both the second and third floors of the rehabbed mill building above DaVinci’s restaurant, converting the sprawling open floor plan to office space.
MCHO is doing so well in Maine that it can even afford to expand its reach. It’s now doing business in New Hampshire.
“Hopefully that means that people are getting into coverage … and that’s really what all this is all about, getting people into meaningful and affordable benefits,” Lewis said. “It’s an exciting time.”
MCHO was founded in 2011 with the backing of the Maine Primary Care Association, an Augusta-based group that represents community health centers. Lewis was CEO of the Maine Primary Care Association at the time. He and Robert Hillman, former CEO of MedNet, a Scarborough-based independent, physician-owned preferred provider organization, came up with MCHO.
“It goes back to the one observation that something had to change [in health care],” Lewis said in a Sun Journal interview in 2013, soon after setting up shop in the Bates Mill.
Today, Lewis is CEO of the co-op. Hillman is chief operating officer.
In the beginning, no one was sure co-ops would change anything in health care, but they hoped. The federal government gave hefty loans — nearly $2 billion in total — to about two dozen co-ops across the country in an effort to increase choice and provide an alternative to the politically dead public insurance option.
A few co-ops quickly faltered. Others did well until they had to start attracting members — then they found their prices were set too high to compete. Overall, nationwide, co-ops did OK in 2014.
But MCHO, which maintained rates lower than Anthem’s, offered unique program benefits and touted a broad network of doctors, did better than “OK.” In the world of co-ops, MCHO was a rock star.
http://bangordailynews.com/2015/01/04/health/lewiston-insurer-is-a-national-rock-star/print/

The Affordable Care Act health insurers competing for Maine consumers’ dollars

By Jackie Farwell, BDN Staff
Posted Jan. 04, 2015, at 6:08 a.m.
Mainers shopping on Healthcare.gov can choose from more insurers in 2015. After a plucky startup overtook the state’s largest health insurer for signups in the marketplace’s first year, a third player left the sidelines and joined the fray.
Maine Community Health Options
The Lewiston-based health insurer captured about 80 percent of Healthcare.gov shoppers in Maine during the first enrollment period. Not bad for a startup that didn’t even exist before the Affordable Care Act, which made taxpayer-funded loans available for the creation of health insurance “co-ops” run by members. While many co-ops in other states failed to reach enrollment targets, Maine Community Health Options emerged as a model of success, showing up a well-established rival and offering competitive prices.
Maine Community Health Options is back at it again in 2015, with premium rates largely holding steady. The monthly premium for its best-selling plan fell by about half a percentage point, while the insurer raised rates by 1 percent on one of its less popular plans.
Anthem Blue Cross and Blue Shield
The granddaddy of Maine health insurers, Anthem counted more than 18,000 Mainers as customers in the “individual market” — those who buy their own coverage rather than get benefits through work — before Healthcare.gov launched in 2013. That was nearly twice the enrollment of its next closest competitor. But even with the backing of corporate parent WellPoint, one of the nation’s largest health insurers, Anthem enrolled about 20 percent of Healthcare.gov enrollees in Maine for 2014 plans.
In 2015, Anthem could be poised for a comeback. It reduced premium costs by 1.1 percent on average.
Harvard Pilgrim Health Care
Harvard Pilgrim is the new kid on the block, offering four plans through the marketplace for 2015. But the nonprofit insurer is no stranger to health reform, having once served as the carrier for Dirigo Health, Maine’s pioneering but now-defunct effort to boost the number of Mainers with health insurance.
http://bangordailynews.com/2015/01/04/health/the-affordable-care-act-health-insurers-competing-for-maine-consumers-dollars/print/

Charlene Brousseau of Manchester: Sticking with the Affordable Care Act

By Jackie Farwell, BDN Staff
Posted Jan. 04, 2015, at 6:16 a.m.
Name: Charlene Brousseau
Age: 62
Location: Manchester
Insurance in 2014: The Affordable Care Act marketplace
Charlene Brousseau faithfully follows the advice of consumer advocates trumpeting the Affordable Care Act. But it hasn’t been easy.
The Manchester woman signed up for coverage through Healthcare.gov in 2013, seeking a more affordable plan to tide her over until she qualifies for Medicare in a few years. She was ensnared in the “horror show” of the site’s botched rollout, but she eventually managed to sign up for a plan from Maine Community Health Options that slashed her monthly premium costs by more than half. She bought dental insurance with the money she saved. Her medical needs were covered, and she didn’t have to monkey around with co-pays or co-insurance.
But when renewal time rolled around this year, Brousseau learned she couldn’t keep the plan she worked so hard to find. Brousseau, 62, qualifies for a modest Social Security check that bumps her into a new income bracket, throwing off the federal subsidy that helped her purchase insurance.
“That changed everything,” she said. “I’ll be paying about $100 more a month, it more than doubled for me.”
Brousseau still qualifies for a subsidy, albeit smaller, for her new Maine Community Health Options plan. She’s expecting more co-pays to see her doctor. She also faced the hassle of filling out another enrollment application, even though Healthcare.gov should have saved her information from last year.
But Brousseau says she’s still better off. Before the ACA, she was shelling out $1,100 per month for an “outrageous” plan from Anthem that carried a $2,200 deductible. She views the premium for her new plan as a “realistic amount to pay.” Her coverage kicked in on Jan. 1.
Still, Brousseau’s looking ahead — almost longingly — to her 65th birthday, when she’ll qualify for Medicare.
“It’s terrible to want to get older to not have to bother with this,” she said.
 https://bangordailynews.com/2015/01/04/health/charlene-brousseau-of-manchester-sticking-with-the-affordable-care-act/print/




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Philip Caper
Philip Caper is an internist who has spent his career pursuing the goal of a fair, efficient and effective health care system for all Americans - so far unsuccessfully. He was trained in medicine and internal medicine at UCLA and Harvard, and has served on the faculties of Dartmouth College, The University of Massachusetts and Harvard University. He has also served as director of a major teaching hospital, chief of staff of a university hospital, teacher and researcher in the field of health policy and management, staff member of the United States Senate and founder and CEO of an investor-owned firm specializing in the statistical measurement of health care costs and quality. During the Carter and Reagan administrations, he chaired the federal governments top health care policy and planning advisory committee. He is a founding member of the National Academy of Social Insurance.
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