Posts Tagged ‘HealthCare.gov’

HealthCare.gov Debuts on a Computer Near You

Tuesday, July 20th, 2010

New HHS website a source for all things healthcare reform.  The Department of Health and Human Services (HHS) has launched a new website to help Americans better understand and explore the options open to them as healthcare reform legislation takes effect.  The website was mandated in the healthcare reform bill passed in March; in October, there will be a tool that lets people compare pricing for various insurance plans.

Insurance companies aren’t entirely happy with some of the content on the new HHS website.  The industry’s lobbyist, America’s Health Insurance Plans (AHIP) told HHS that they were not comfortable about the insurance plan information that might be detailed on the website.  One of the sore spots was the government’s request for data on how many claims are denied by healthcare plans.  According to Robert Zirkelbach, an AHIP spokesman, “Providing information about claims denials without providing proper context does not begin to tell the whole story.”  Zirkelbach said that claims are often denied because of duplicates or submitting a claim to the incorrect health plan.

HHS Secretary Kathleen Sebelius, writing on the White House blog, said “The site makes a system that thrived on complication and confusion easier to understand.  This kind of transparency helps create informed consumers, which increases competition, reduces prices and improves quality.”  The website’s two-minute video explains the law and its provisions, while a tab on the home page provides in-depth information on the law.  HealthCare.gov even has its own Twitter account.

High-Risk Pool Healthcare Has Hefty Premiums

Monday, July 19th, 2010

“High-risk pool” healthcare coverage comes at a steep price.  Healthcare coverage for uninsured Americans with pre-existing conditions won’t come cheaply. Premiums in the new “high-risk” pool could average $300 to $600 a month in certain states, according to a new government website.   The Department of Health and Human Services says that the premiums could range from $140 to as much as $900 a month.

According to Richard Popper, deputy director of the Office of Consumer Information and Insurance Oversight, “There are going to be meaningful premiums that are going to be required to stay in this plan…in the hundreds of dollars.”  HealthCare.gov estimates show that monthly premiums for a 50-year-old Floridian would be $552 to $675; for a New Yorker, the average cost would be $400 to $600; $491 to $600 for a Texan; and only $283 for a Pennsylvanian.  Coverage under the Pre-Existing Condition Insurance Plan begins on August 1.

Consumer advocates are advising the uninsured who have health problems to sign up quickly – despite the cost – because they cannot be turned down for coverage.  The high-risk pool is a temporary solution for at-risk individuals who cannot get healthcare insurance because of a medical condition.  The pool will be available until 2014 when healthcare reform takes full effect.  At that point, insurance companies will not be allowed to turn down people in poor health.  Low- and middle-income individuals will receive subsidized coverage.