By mid-morning Monday, the state’s only health insurance co-op was getting so many calls — How do I get insurance by the deadline? Did the federal marketplace send over my sign-up information yet? How do I make a payment? — that its CEO grabbed a free desk and started answering phones.
So did its chief human resources officer. And pretty much every other employee at Maine Community Health Options in Lewiston.
The insurance company normally averages 1,000 to 1,100 calls a day. By 3 p.m. Monday, the nonprofit insurance company had received 1,611 calls — and had at least three more hours in its day to go.
“I think today it’s going to be busy all day,” said Jane Cariello, director of service operations. “We stay here until every call is answered. … We’ve offered overtime to everybody today.”
Monday marked one of the biggest deadlines for the Affordable Care Act, also known as “Obamacare.” Uninsured Americans had until midnight to begin signing up for health insurance, with the six-month open enrollment period winding to a close. Those who started the process have until mid-April to finish it.
Those who failed to start the sign-up process — or don’t complete it — must either qualify for an exemption or pay a penalty.
Individuals will not be able to buy health insurance between April 1 and Nov. 15 unless they have a qualifying life event, such as a divorce, job loss or birth of a baby.
Although Americans could buy insurance from any company or through a broker, they can only qualify for a subsidy, or discount, by buying through the marketplace.
Maine has emerged as a leader in enrollment, signing up
more than 25,000 people for private health insurance through Healthcare.gov as of March 1. That beat the target set by President Barack Obama’s administration for the entire open enrollment period.
Experts expected thousands more to follow as the March 31 deadline loomed. Across Maine, health advocates were swamped with questions as residents rushed to sign up in time.
Many were stymied by technical problems with Healthcare.gov. The website, which serves as the federal government’s gateway for the marketplaces in Maine and 35 other states, stumbled twice on deadline day, pushed beyond its capacity with 1.2 million visits through noon. Many consumers couldn’t start new applications, while others were invited to leave contact information so they could be contacted when the call volumes diminished.
Maine Community Health Options is one of two Maine companies that sold plans through the marketplace, along with Anthem. MCHO wasn’t quite as busy Monday as it was leading up to Jan. 1, the last big ACA deadline, but calls were steady.
Many had just signed up and were told by the marketplace to call to make sure MCHO had their information. The problem: It can take days for that information to get forwarded to MCHO.
“People are anxious about that because they want to have coverage,” Cariello said. “We want to help them, but we can’t see them [in the computer system] yet.”
Other callers had tried to sign up through the federal marketplace online but couldn’t. A message on the site asked people to leave their email address and try back later.
Kevin Lewis, MCHO’s chief executive officer, believes the two-week grace period will help those caught in the last-minute rush.
http://bangordailynews.com/2014/03/31/health/mainers-rush-to-sign-up-for-health-insurance-on-aca-deadline-day/print/
Obama Claims Victory in Push for Insurance
Obama: The Affordable Care Act Is Working, 'Helping People... Coast To Coast'
On ACA Deadline, King Presses for Changes to Health Care Law
03/31/2014 Reported By: Patty B. Wight
Today is the last day to sign up for insurance on the Affordable Care Act's online marketplace. Though it will take time for the full implications of the law to become clear, Maine Sen. Angus King says some changes are already in order. The independent congressman is co-sponsoring three bills to improve the federal health law for businesses and employees. As Patty Wight reports, reactions are mixed as to whether these are the right changes at the right time.
Related Media
On ACA Deadline, King Presses for Changes to LawOn
Originally Aired: 3/31/2014 5:30 PM Duration: 3:35
Sen. King wants to be clear: He supports the Affordable Care Act. But that doesn't mean it couldn't use a little tweaking. "I've never seen a piece of legislation in the history of the world that doesn't need correction over time," King says. "Probably the best example is the United States Constitution, which has been amended 27 times." King is backing three bills that he says will provide greater choice, flexibility, and affordability under the health reform law. One bill, called the Small Business Stability Act, would change the mandate that requires employers with more than 50 employees to provide health insurance, by creating a new, higher threshold of 100 or more employees. "Which would relieve the paperwork burden on companies that are truly pretty small," King says. "And we're getting a lot of information back from companies that are in the 40 to 50 range that say, 'Look, we don't have full-time accountants. It really is getting more complicated if we have to do this.'" Supporters of the change include Maine Restaurant Association President Gregory Dugal, who says the law will help restaurant owners who felt stifled by the employee threshold. "I think that people that had multiple businesses were also trying to look at ways that they could get under that threshold. Now this gives them the ability to not even think about that, to be able to supply the jobs and to grow their business and hopefully provide even more jobs, because the expense of health insurance won't be weighing as heavily on them," Dugal says. Another bill - called the Expanded Consumer Choice Act - would add a new high-deductible "Copper" plan to the online insurance marketplace, which already offers Bronze, Silver, Gold, and Platinum plans. King says the Copper Plan would offer low premiums, and more choice for consumers. "It's a question of how much of the risk you're carrying versus the insurance company," he says. But consumer health advocates in Maine question whether the Copper plan is necessary. "In Maine, we've seen that people are really showing a high desire for more coverage - for better coverage - not less," says Emily Brostek of the Maine-based group Consumers for Affordable Health Care. Brostek says February enrollment figures show that 73 percent of Mainers who enrolled in the marketplace picked the mid-level Silver plan. Brostek says there are already existing catastrophic plans available to people who qualify for certain exemptions; the problem for consumers is how cumbersome it can be to sign up for those plans, which are only available through a paper process, not online. "So I think for people who it might be a good fit to have a higher deductbile plan, making that more of a simple process would actually serve those needs rather than creating a whole new plan, potentially." Brostek says. The third bill King is sponsoring would expand small business tax credits to more employers and for a longer period of time.
Take charge of your own healthcare
March 28, 2014 Home
By now, and unless you’ve been living under a rock, you know that healthcare is in a state of flux. The Affordable Care Act has become a daily conversational piece and a topic of many heated debates. Is it the panacea for solving our healthcare crisis or simply another bureaucratic nightmare that we must learn to live with? This introductory blog posting is not intended to answer this question, but rather to initiate a conversation about how you can take charge of your own healthcare.
The Bangor Daily News is fortunate to have many well-versed individuals covering this topic, but I wanted to provide the perspective of an independent, practicing family physician whose only motivation is to empower my patients, their friends, family members and colleagues to take charge of their own healthcare.
By using the phrase “take charge of your healthcare”, what do I mean? I’m referring to every aspect of how you receive healthcare, how you collaborate with your physician, where you receive your healthcare and how to best achieve cost-effective care for you and your loved ones.
For the first part of this series, I want to take some time to talk about the increasing cost of receiving healthcare. Recent reports indicate that for those of you that have insurance coverage (either through your employer or independently purchased), your monthly premiums will double if not triple by the end of the year and the benefits you receive from your insurance carrier will continue to dwindle. Out of pocket costs for your medications, tests and office visits are projected to continue to increase. As such, you will be paying for more services out of your own wallet! You need to know what these costs will be *before* you are charged for the services!
With an increased national focus on transparency of health care costs, patients may have more opportunities to get better cost estimates of anticipated medical services. Requesting this information makes you an educated health care consumer, a “smart shopper” if you will. After all, it is your dollar that you are spending.
So what are your options?
Burnt Out Primary Care Docs Are Voting With Their Feet
By RONI CARYN RABIN
APR 01, 2014
This KHN story was produced in collaboration with
Janis Finer, 57, a popular primary care physician in Tulsa, Okla., gave up her busy practice two years ago to care full time for hospitalized patients. The lure? Regular shifts, every other week off and a 10 percent increase in pay.
Lawrence Gassner, a Phoenix internist, was seeing four patients an hour. Then he pared back his practice to those who agreed to pay a premium for unhurried visits and round the clock access to him. "I always felt rushed," said the 56-year-old. "I always felt I was cutting my patients off."
Tim Devitt, a family physician in rural Wisconsin, took calls on nights and weekends, delivered babies and visited his patients in the hospital. The stress took a toll, though: He retired six years ago, at 62.
Physician stress has always been a fact of life. But anecdotal reports and studies suggest a significant increase in the level of discontent-especially among primary care doctors who serve at the frontlines of medicine and play a critical role in coordinating patient care.
Just as millions of Americans are obtaining insurance coverage through the federal health law, doctors like Finer, Gassner and Devitt are voting with their feet. Tired of working longer and harder because of discounted insurance payments and frustrated by stagnating pay and increasing oversight, many are going to work for large groups or hospitals, curtailing their practices and in some cases, abandoning primary care or retiring early.
"I was thinking of leaving medicine; I didn't think I could maintain the pace," Gassner said about why he switched to a concierge-style practice with the help of consultant MDVIP. "I went to bed many nights lying awake, worrying that I missed something."
The timing couldn't be worse. "The lack of an adequate primary care infrastructure in the U.S. is a huge obstacle to creating a high-performing health care system," said David Blumenthal, president of The Commonwealth Fund, a health care research foundation.
A 2012 Urban Institute study of 500 primary-care doctors found that 30 percent of those aged 35 to 49 planned to leave their practices within five years. The rate jumped to 52 percent for those over 50.
Community Health Centers May Provide Services For Those Who Remain Uninsured
By Michelle Andrews
APR 01, 2014
If you're uninsured, you may have run out of time. Yesterday was the formal deadline to sign up for health insurance on the marketplaces or face a penalty, unless you were already “in-line” for enrollment. Still, people who missed the cutoff or couldn’t buy insurance have options to get the health care services they need. But doing so may not be simple or assured.
At the end of February, the percentage of uninsured people was 15.9 percent for the year to date, on track to decline for the third consecutive quarter, according to a
Gallup survey of more than 28,000 people released last month.
How low the uninsurance rate might go this year
remains to be seen. Last week, the
administration announced that people who hadn’t completed the enrollment process on the federally run marketplace by March 31 could get extra time to finish the process. Some states have offered similar extensions. But extensions may not matter
to some people. As of mid-March, 50 percent of the uninsured said they didn’t plan to buy insurance, according to the Kaiser Family Foundation’s
March tracking poll (KHN is an editorially independent program of the foundation.) The survey, conducted while open enrollment was in full swing, also found that six in 10 of the uninsured didn’t know the deadline to buy a plan was approaching.
At Alexandria Neighborhood Health Services, a community health center with 11 sites in Northern Virginia, seven enrollment counselors have been working to get people signed up for coverage, with mixed results.
“Some people looked at the premiums and said, ‘I can’t afford this,’” says Martha Wooten, executive director. “That’s a choice each individual has to make. The least expensive of those plans come with very high deductibles or copays.”
People who did not buy a plan -- because they didn’t want it, couldn’t
afford it or for other reasons -- can look to the network of 9,300
community health center sites that last year served 22 million people . The centers are slated to receive more than $9 billion in funding under the health law through 2015 to enable them to expand to meet the needs of the newly insured who may not have a regular doctor, and of medically underserved patients, including the uninsured.
http://www.kaiserhealthnews.org/Stories/2014/April/01/Community-Health-Centers-May-Provide-Services-For-Those-Who-Remain-Uninsured.aspx
Newly Enrolled, but Not Counted by Insurance Exchanges
As the world’s largest maker of generic drugs, Teva Pharmaceutical Industries has been critical of brand-name manufacturers that try to block generic versions of their high-priced medicines.
But Teva is now emulating its rivals, mounting an aggressive effort to stave off generic versions of Copaxone, its big-selling brand-name drug for multiple sclerosis, which is set to lose patent protection late in May.
On Monday, Teva got help from the United States Supreme Court, which agreed to hear its appeal of a lower-court ruling that invalidated a patent that would have protected Copaxone until September 2015.
Teva, based in Israel, is desperate to stave off generic competition to Copaxone, which had global sales last year of $4.3 billion; $3.2 billion of that figure came from the United States. The drug, which has been on the market for 17 years and is the best-selling treatment for M.S., accounts for about 20 percent of Teva’s revenue and about half its profit.
But a generic version of Copaxone could provide needed cost relief to the health care system. The list prices of Copaxone and other older M.S. drugs have roughly quadrupled over the last decade, to about $60,000 a year.
How Exercise Can Help You Live Longer
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