Archive for the ‘Health Care Reform’ Category
Gender Gap Persists in Cost of Health Insurance
Posted in Health Care Reform, tagged Health Care Reform, new health care law on March 19, 2012| 3 Comments »
The New York Times
By ROBERT PEAR
Published: March 19, 2012
WASHINGTON — Women still pay more than men for the same health insurance coverage, according to new research and data from online brokers.
The new health care law will prohibit such “gender rating,” starting in 2014. But gaps persist in most states, with no evidence that insurers have taken steps to reduce them.
For a popular Blue Cross Blue Shield plan in Chicago, a 30-year-old woman pays $375 a month, which is 31 percent more than what a man of the same age pays for the same coverage, according to eHealthInsurance.com, a leading online source of health insurance.
In a report to be issued this week, the National Women’s Law Center, a research and advocacy group, says that in states that have not banned gender rating, more than 90 percent of the best-selling health plans charge women more than men.
Mary Beth Senkewicz, deputy insurance commissioner in Florida from 2007 to 2011, said the findings were consistent with her observations.
“The gender gap continues,” Ms. Senkewicz said. If insurers voluntarily began to narrow the gap, she said, they could reduce the impact that will occur in 2014 when rates are expected to increase for many men under the age of 55.
On the other hand, Ms. Senkewicz said: “This is a business decision. Insurers may not want to raise rates for men because they might lose some customers.”
Alissa Fox, a senior vice president of the Blue Cross and Blue Shield Association, said the group had not opposed the ban on using gender as a factor in setting health insurance rates. But, she said, insurers have “major concerns” about limits on their ability to vary rates according to the ages of subscribers.
Kristin E. Binns, a spokeswoman for WellPoint, one large insurer, said that “rates quoted today still incorporate gender and age rating” except in states where the practice is forbidden by law. Fourteen states, including California, New Jersey and New York, have taken steps to ban or limit gender rating in the individual insurance market.
The Republican Swindle About ‘Obamacare and Stimulus’
Posted in Economy, GOP, health care, Health Care Reform, Republicans, tagged Debt, Deficit, Economic Stimulus Package, Economy, Federal Budget Deficit, GOP, health care, Health Care Reform, national debt, Newt Gingrich, Obamacare, Pete Sessions, Republicans, Stimulus on October 20, 2010| 1 Comment »
If you happen to be a swing voter who’s considering the Republican slate next month, you’re being tricked. That’s not to say you’re an idiot, but the Republicans are doing an excellent job masking over what they really stand for, and millions of Americans seem to be falling for it.
The Republican strategy for this midterm election is simple: Treat voters like easily manipulated hoopleheads. The GOP and its various apparatchiks are spending untold millions of dollars, much of it from anonymous donors and, perhaps, even some illegal foreign donors, in order to play out this nationwide swindle. They’re investing heavily on the wager that Americans are so kerfuffled by the slow-growth (but growth nevertheless) economy that they’re willing to buy any line of nonsense as an alternative solution.
Regarding that nonsense, just about every GOP solution and every GOP idea reveals either a hilariously obvious contradiction or an utterly transparent hypocrisy. Say nothing of unchecked awfulness like Southern Strategy race-baiting or bald-faced lies. But it doesn’t seem to matter much because they’ve buried most of it under heaping piles of inchoate outrage and fear. Just like always. It’s not unlike the 2000s all over again. They’re engaging in the same bumper sticker sloganeering and myopic agitprop, but with updated content for 2010.
If you’ve seen any of the Republican TV spots this cycle, you’re probably familiar with the focus-group-tested duet of fear: “Obamacare and Stimulus.” For example, that infamous John Raese commercial featuring two not-West-Virginian West Virginians in full “hicky” regalia discussing why they’re voting Republican. Among the reasons: “Obamacare and Stimulus.” No specific reasons why those items are evil, they’re just two scary things the hicky guys are pissed about.
And why aren’t there any specific gripes cited along with those two items? Because the actual gripes are ridiculous.
Let’s start with “Obamacare,” then hit “Stimulus” presently.
Health Care Reform Will Help Everybody
Posted in health care, Health Care Reform, Healthcare, Healthcare Reform, tagged cancer, Health Care Reform, health care reform act, heart disease, Insurance Companies, MD Anderson Cancer Center, medical bills, medical care, medical costs, mesothelioma on May 31, 2010| 5 Comments »
Many Americans assume the new health care reform act will benefit mostly the poor and uninsured and hurt everyone else, according to polls. As Matt Yglesias wrote, “Basically, people see this as a bill that will take resources from people who have health insurance and give it to people who don’t have health insurance.” Those who still oppose the reform say that people ought to pay for their own health care.
We all believe in the virtues of hard work and self-reliance, but these days it’s a fantasy to think that anyone but the mega-wealthy will not, sooner or later, depend on help from others to pay medical bills. And that’s true no matter how hard you work, how much you love America, or how diligently you take care of yourself. The cost of medical care has so skyrocketed that breaking an arm or leg could cost as much as a new car. And if you get cancer or heart disease — which can happen even to people who live healthy lifestyles — forget about it. The disease will not only clean you out; it will leave a whopping debt for your survivors to pay.
And the truth is, we all pay for other peoples’ health care whether we know it or not. When people can’t pay their medical bills, the cost of their health care gets added to everyone else’s bills and insurance premiums. When poor people use emergency rooms as a doctor of last resort, their care is not “free.” You pay for it.
Another common fantasy about medical care is that the “free market” provides incentives for medical companies to develop innovative new drugs and treatments for disease without government subsidy. It’s true that private enterprise is very good at developing profitable health care products. But not all medical care can be made profitable.
For years, the U.S. government has been funding medical research that the big private companies don’t want to do because there is too much cost for the potential profit. This is especially true for diseases that are rare and expensive to treat. An example of a recent advance made possible by government grants include new guidelines for malignant pleural mesothelioma treatment developed by MD Anderson Cancer Center researchers. Another is a blood screening test for mesothelioma developed by thoracic surgeon Dr. Robert Taub. The health reform act provides for more dollars for such research, from which even many of the tea party protesters will benefit.
The biggest fantasy of all was that people who had insurance didn’t have to worry about health care costs. But the fact is that in recent years millions of Americans have been bankrupted by medical costs, and three-quarters of the medically bankrupt had health insurance. And yes, insurance companies even dumped hard-working, law-abiding patriots. But the health care reform act will put an end to that, and now America’s hard-working, law-abiding patriots are more financially secure, whether they like it or not.