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Az Reps Remain On Health-Care Fence

November 15th, 2010 No comments

Az Reps Remain On Health-Care Fence


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Home Page > Finance > Insurance > Az Reps Remain On Health-Care Fence

Az Reps Remain On Health-Care Fence

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Az Reps Remain On Health-Care Fence

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When it comes to the president’s health-care reform, both of Southern Arizona’s congressional representatives are seen as “in play,” uncommitted votes that could go either way.

Which is putting both under intense pressure to get off the pointy end of the fencepost they’re perched on, one way or the other.

Congressman Raúl Grijalva, who doesn’t like the fact the Senate bill doesn’t have a public option, was summoned to the White House Thursday afternoon with seven other progressives for a sit-down with the president, who has said he wants the effort sewn up by the time Congress leaves for Easter break on March 26.

Grijalva left the Roosevelt Room roundup sounding like he’s close to voting for with the president, despite the lack of a public option he considers critical. After the meeting, he said a partial victory on health care would be better than losing everything, at this point.

Congresswoman Gabrielle Giffords, meanwhile, is the target of tea party rallies and a week long “Code Red” robocall campaign by the National Republican Congressional Caucus, which is targeting voters in swing districts. The script warns listeners to call Giffords “before it is too late and tell her to vote ‘no’ on Nancy Pelosi’s dangerous health-care scheme.”

On the other side, Organizing for America took out an ad in USA Today that says, “You Fight, We’ll Fight.” It pledged 8 million volunteer hours to assist congressional representatives who hold steady on supporting the plan, which Giffords has already said she doesn’t like. Arizona Director Jessica Jones said that so far, 700 volunteers are committed to help the state’s Democrats.

“We will be making sure that we are backing up their legislators and letting them know their constituents are behind them,” Jones said, because too many Americans have gone without insurance for too long. “We’ve been debating this for a year now and it’s really crunch time. We need to get this bill passed.”

Although majorities of the Senate and House approved separate health-care versions, they must settle on identical versions before it can become law. And with the loss of the 60th vote in the Senate with Scott Brown’s election, the plan that seems to have the most traction so far hinges on the House signing off on the bill that passed the Senate on Christmas Eve. But House Democrats have found a lot not to like in that package.

In January, Giffords sent a letter to House Speaker Pelosi saying the Senate reform version would be too costly when the state’s fiscal position is already dire.

That package could cost the Arizona $4 billion over the next decade, she wrote, because of its requirements to put more people on the rolls for the the state’s version of Medicaid, which provides health care to low-income residents.

Her spokesman, C.J. Karamargin, said that if the bill comes to the floor of the House with the same language she objected to in January, she will not be able to support it. Asked if she can offer her support if the concerns are worked out on reconciliation, Karamargin said, “We’d have to weigh that promise if it’s made.”

Although the House leadership has already included Giffords, as well as Rep. Harry Mitchell, as one of several possible “vote switchers,” Giffords was not part of the group invited to sit down with the president Thursday.

Grijalva said the group vented complaints about the bill, primarily the lack of a public option. While President Obama reportedly said he pledged to continue working on those areas, he focused attention on the benefits of the package, from more money to community health centers to more regulation on insurance companies. And he drew a parallel with Social Security, that started small but grew over time to become the sweeping entitlement program it is now.

“The president made a compelling case,” Grijalva said. “He presented an argument that if we don’t get this first block done, we’ll never get the rest.”

He didn’t take a head count, Grijalva said. “That’s going to be the most agonizing week for me. I hate to vote for a bill that doesn’t have the public option, but I don’t want to hand the opponents of health-care reform a victory, either.”

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Health-Care Reform to Dump Poor Kids?

November 13th, 2010 No comments

Health-Care Reform to Dump Poor Kids?


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Home Page > Finance > Insurance > Health-Care Reform to Dump Poor Kids?

Health-Care Reform to Dump Poor Kids?

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Oleta Fitzgerald, director of the Children’s Defense Fund’s Southern Regional Office, says she is concerned over the welfare of Mississippi children if either of the two health-care reform packages considered by the U.S. House and Senate ever make it into law.

The House passed H.R. 3962 earlier this month, and Senate Democrats managed to beat back the threat of a Republican filibuster a few weeks ago, allowing the Senate to move forward with debate on the Patient Protection and Affordable Care Act, H.R. 3590. Both bills promise big reforms in the health-care and health-insurance industries. The Association for American Medical Colleges states that nearly 15 million people will be newly eligible for Medicaid and the Children’s Health Insurance Program under H.R. 3590, at an estimated cost of $374 billion over 10 years.

Fitzgerald says both bills contain huge holes regarding CHIP coverage for Mississippi children: “Right now, the fight over health-care reform in the House and Senate is all about abortion and the public option, but the children are getting lost in this discussion,” Fitzgerald said.

The issue, she said, centers on Mississippi’s unconventional requirement for CHIP eligibility.

Many states recently expanded their Medicaid program requirements to accept people who are a little further from the federal standard for poverty. Eleven states recently extended CHIP-eligible families’ income levels up to 200 percent of the federal poverty level, or higher. ($20,800 for an individual or $35,200 for a family of three).

But instead of expanding Medicaid, Mississippi set up a new health insurance program that contracts with private insurance companies. The states that expanded Medicaid will continue to receive federal support for those programs under both the bills under discussion in the House and Senate. But in Mississippi, all children and their families over 150 percent of the federal poverty level ($16,245 a year for an individual and $27,465 a year for a family of three) would go into an insurance exchange created by the House and Senate bills. The Senate bill plans to put CHIP-eligible kids in an exchange by the year 2019, while the House bill has them transferred by 2013.

Insurance exchanges do not promise the reliability of a government health program, Fitzgerald warns.

“Going into the exchange could require co-pays and premiums, the children would get lumped in with adults, and it’s not clear what requirements the insurance companies would have for their benefit packages,” she said.

There is also the question of permanence. Exchanges like the ones proposed by the House and Senate bills have not always been long-lasting. Texas, Florida, North Carolina and California all attempted—and failed—to create enduring insurance exchanges, primarily because private insurers tampered with the market.

A July report issued by the California HealthCare Foundation tried to pinpoint some of the factors that killed the California insurance exchange, which closed its doors in 2006. According to the report, the California exchange became too expensive when the clients it served became too costly. An exchange requires a certain number of healthy individuals to complement the more sickly participants of the exchange’s customer base; otherwise the cost of participation becomes too high for all participants.

But insurance companies in California lured healthy customers with lower premiums and steered the more sickly individuals into the exchange, creating a disproportionately expensive customer base.

“People involved in operations of the California exchange agreed that when there is competition for the same customers within and outside the exchange, the exchange is in ‘extreme peril’ of becoming a victim of adverse selection,” the report states. “If an exchange attracts a disproportionate share of higher risk individuals and groups as the California exchange did at various times, it cannot succeed.”

Fitzgerald said Mississippi’s eagerness to boot CHIP-eligible children from the program to keep down state costs is another factor complicating the new bills.

“Another problem is enrollment. We need enrollment in the exchanges to be simplified, because enrolling in state health programs have a history of being anything but simple in Mississippi,” Fitzgerald said, referencing a Medicaid policy championed by Republican Gov. Haley Barbour, which requires Medicaid recipients to meet Medicaid personnel “face-to-face” to be considered for program renewal.

CDF is working with its national office in trying to insert an amendment in the Senate bill though Democratic Sens. Robert Casey and Jay Rockefeller, which would keep all children up to 300 percent of the federal poverty level in the CHIP program until the new insurance exchange is thoroughly vetted.

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Here’s a line that American workers have heard every year for more than a decade: Health insurance costs are going up again — a lot more than inflation and pay raises

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Nov 09, 2010

Individual Health Insurance Plans FAQ

Most major medical plans require a deductible be paid before they pay out. Additionally, after the deductible has been met, you can expect coverage to be about 80% of the total medical expense incurred. Another feature of major medical plans is that they tend to have high maximum limits- from about $500,000 to $1 Million. Moreover, major medical plans usually cover a wide range of medical costs including prosthetic limbs, x-ray/lab services and prescription drugs, for example

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Nov 08, 2010

Individual Health Insurance Plans More Affordable

Th?r? ?r? many more affordable options f?r individual health insurance th?n th?r? ?r? f?r family health insurance. Th? reason f?r th?? ?? b?????? individuals, ?n average, w??? spend much less ?n health care each year th?n a family w??? ?n? th?? allows th?m t? simply pay th? cost ?f one ?r two doctor

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Nov 08, 2010

Health Care Challenge Could Prevail

When 21 states and several private groups initiated lawsuits challenging the constitutionality of the Obama health care law earlier this year, critics denounced the suits as frivolous political grandstanding. But it is increasingly clear that the plaintiffs have a serious case with a real chance of victory

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Nov 08, 2010

Health Reform Will Survive?

Despite brave and bullying promises from Republicans to repeal the health reform “monstrosity” this past week, they can’t do it. Not in the next two years, and maybe not even in 2012, no matter who wins the presidency. Why? For now, because even if the Senate agreed with the House and passed a repeal bill, President Obama would veto it. By 2012 the growing number of Americans (more than half) who already like provisions of the new law, will want to keep them.

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Nov 08, 2010

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