HEALTH TRAIN EXPRESS
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UnitedHealth has started to exit some Affordable Care Act exchanges as threatened, but there's no reason to panic about the future of the individual marketplaces, according to a Los Angeles Timesopinion piece.
However, United was only a minor player in those states--as it had just 9,933 HMO enrollees in Georgia and was trying to build its individual market business in Arkansas from a very small base, writes L.A. Times business columnist Michael Hiltzik. The insurer also sought steep rate increases in both states, which did not help it compete with more dominant players, including Aetna and Blues plans.
Hiltzik points to an Urban Institute analysis that suggests United's approach to the exchanges was fundamentally flawed, as it often chose to enter less populous and less competitive marketplaces--a formula that didn't help it build a strong market presence. So its departure won't likely have a major effect on competition in the Georgia and Arkansas marketplaces.
Technology makes it possible for patients to access medical records online, but a thicket of legal issues may still keep people from always seeing everything in their chart, some doctors say.
The accessibility of patient records for patients may introduce potential conflict with the care provider. A completely open-access to a patient's electronic record may be counter-productive for patients who have little or no knowledge of medical jargon, or who may have an underlying psychiatric diagnosis, the knowledge of which may be harmful to the patient.
As usual the government steps in with a sledgehammer edict of all for HIPAA without concern for parts of the record,such as behavioral health which could justify exclusion from interoperabiity without a patient's exclusive permission
The Health Insurance Portability and Accountability Act (HIPAA) gives U.S. patients the right to access their medical records and control who else has access to the information, physicians note in an essay in the Annals of Internal Medicine.
But in reality, the contents of electronic records may be limited by doctors’ concerns about disputes with patients about what the records say, fear of malpractice litigation, and questions about how much information to give certain individuals like minors and people with mental illness, these physicians argue.
“I think the default should be for patients to have complete access to their electronic medical records, and the benefits would likely greatly outweigh any harm,” said lead author Dr. Bryan Lee of Altos Eye Physicians in Los Altos, California, and the University of Washington in Seattle.
As patients increasingly read their medical records, they will disagree with content, find errors and request changes, Lee and colleagues point out. While doctors may have the final say over what they add to records, patients may want to add information of their own, and the legal status of patient-created content is unclear.
In another point of legal murkiness, parents generally have control over minors’ medical records and can prevent children from accessing online notes. Providers can deny parents access if they suspect abuse or think parental involvement isn’t in a child’s best interest – but this, too, is an area where laws vary and liability concerns may color doctors’ decisions, the authors argue.
With mental illness, HIPAA prevents patients from accessing psychotherapy notes in some circumstances, but some state laws allow broader access to these records, the authors note.
While patients can benefit from access to records in most cases, there are some exceptions, and psychotherapy notes may be one of them, said Ann Kutney-Lee, a health policy researcher at the University of Pennsylvania School of Nursing in Philadelphia, in email to Reuters Health.
“There are certain clinical situations where providing access may cause more harm to the patient than good – e.g. psychotherapy notes for a patient that is suicidal,” said Kutney-Lee, who wasn’t involved in the essay.
For many patients, though, reviewing records may make them more proactive about their health, said Daniel Walker, a family medicine researcher at Ohio State University in Columbus who wasn’t involved in the study.
“It can make them feel more a part of the healthcare experience, and empower them to engage in shared decision making,” Walker said by email.
Preventing errors is another big advantage of electronic records, said Dr. Dean Sittig, a researcher at the University of Texas Health Science Center in Houston who wasn’t involved in the essay.
“Without an electronic health record, it is very difficult if not impossible to check whether the right medications were given at the right time, to the right patients,” Sittig said by email.
SOURCE: bit.ly/1i46lF7 Annals of Internal Medicine, online May 23, 2016.
When children with autism started losing their lives to wandering off alone, one dad used technology to save them. Being a parent is a challenging job, but it's even more complex for those raising children with autism spectrum disorder (ASD), a developmental disability that affects individuals socially and behaviorally. The Centers for Disease Control and Prevention estimates 1 in 68 children in America has been identified as having ASD. That is a significant number for a disorder that currently has no cure.
According to the American Academy of Pediatrics, wandering off or "eloping" is a major cause for concern for children with ASD. Studies have shown that almost 50% of families dealing with ASD reported that their kids wandered off at least once between the ages of 4 and 17.
Many of these wandering cases don't end well. In 2015, the National Autism Association recorded 32 wandering deaths for the year, which was a new record. Many of these wandering children die due to drowning, walking into traffic, and hypothermia.
One dad with a son diagnosed with ASD decided to use technology to prevent wandering, and it saved a child's life.
Doron Somer is a co-founder of AngelSense, a GPS and voice-monitoring app designed for children with special needs.
There are a lot of GPS tracking apps out there. What makes this so special?
"AngelSense is much more than a tracker or child locater," Doron told Upworthy.
According to the company,AngelSense is the only device designed for children with sensory sensitivities. It is attached to the inner part of the child's pants pocket and can only be removed by a parent with a special magnet key.
One of the coolest features about AngelSense is one that few people know about.
"Our entire customer care team is comprised of parents with autistic children," Doron said. "That allows them to have a flexible schedule with the ability to work from home."
Health insurers not responsible for rising premiums, exec says
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With just 10 percent of health insurance premiums going to health plans, blaming insurance companies for rising rates makes little sense, according to an opinion piecepublished in the Albany Business Review.
Physicians and hospitals account for 55 percent of health costs, while pharmaceuticals represent 22 percent--up 6 percent in the last year alone, writes John D. Bennett, M.D., president and CEO of Capital District Physicians' Health Plan. Meanwhile, the percentage going to plan administration has hit a historic low.
Insurers have taken significant financial hits on Affordable Care Act marketplace plans due to enrollees who have been sicker and more expensive than expected. At the same time, hospitals and drug companies have posted double-digit profits, according to Bennett. Government efforts to reduce health insurance costs without addressing rising hospital and drug costs have led to rising copays, narrow networks and limited choices for consumers and employers, he adds.
Insurers have strived to negotiate prices with pharmaceutical manufacturers, but these efforts can also alienate some consumers who find their medications excluded from their coverage, FierceHealthPayer has reported.
State and federal governments must take legislative action to "rein in the true drivers of healthcare costs" rather than focus solely on rising premiums as insurers go through rate request processes this summer, according to the article.
To learn more:
- read the opinion piece
Health Train Express is usually focused upon matters of physical dimension, illness and wellness. In medicine we are taught early on about the importance of emotions and their effect on our sense of well-being and abilitiy to cope with illnesses.
During a typical clinical encounter with a patient a physician may spend 50-100% of the visit engaging with a patient verbally obtaining history, assessing affect, non-verbal commuinications, and cognitive status. Questions, answers, appropriateness are all features of an examination. The amount of time varies greatly between specialties, with psychiatry or psychology at the tpe and perhaps pathology at the lowest level of mindfulness. Those are extreme on the continuum of neuropsychiatric examination.
Mindfulness is a term that identifies the relationship of thought and the state of physical dimesnsion in humans.
With that thought in mind, I take you to Invisibiliahosted by NPR public radio. Invisibilia is a series about the invisible forces that shape human behavior. The show interweaves personal stories with scientific research that will make you see your own life differently.
We meet a woman with Mirror Touch Synesthesia who can physically feel what she sees others feeling. We also explore the ways in which all of us are connected — more literally than you might realize.
Obamacare Premiums In California May Rise 8 Percent Next Year, State Predicts
California’s health insurance exchange estimates that its Obamacare premiums may rise 8 percent on average next year, which would end two consecutive years of more modest 4 percent increases.
The projected rate increase in California, included in the exchange’s proposed annual budget, comes amid growing nationwide concern about insurers seeking double-digit premium hikes in the health law’s insurance marketplaces.
Any increases in California, a closely watched state in the health law rollout, are sure to draw intense scrutiny during a presidential election. Republicans are quick to seize on rate hikes as further proof that President Barack Obama’s signature law isn’t doing enough to hold down health care costs for the average consumer.
Insurers in California have submitted initial rates for 2017, but the final figures won’t be known until July after state officials conduct private negotiations.
Peter Lee, executive director of Covered California, underscored that the estimate was preliminary but said some one-time factors under the Affordable Care Act mean “2017 will be an adjustment year” for rates.
“We shouldn’t put too much focus on this 8 percent number when we will know the reality in two months,” Lee told California Healthline on Tuesday. “There are a number of reasons 2017 will have higher rate increases than the last few years. But we believe in California we won’t see the significant headwinds many other states are experiencing.”
Lee said the expiration this year of two federal programs that have helped health insurers offset expensive medical claims and cover sick patients in general will affect premium rates across the country. In addition, he cited ever-increasing medical costs, particularly for expensive specialty drugs.
The nation’s largest health insurer, UnitedHealth Group, already has said it will exit all but a handful of state exchanges after suffering substantial losses on individual policies.
Lee declined to comment on whether UnitedHealth has submitted a bid to continue selling in Covered California next year.
Health-policy experts said the California rate projection mirrors an upward trend around the country as health insurers reassess their pricing and strategy under Obamacare.
“None of us should be surprised to see average rate increases that are slightly higher than last year,” said Sabrina Corlette, a research professor at Georgetown University’s Center on Health Insurance Reforms. “It’s still really difficult to discern where we will end up.”
Robert Laszewski, a health care consultant in Alexandria, Virginia, and a frequent critic of Covered California, said Californians will be fortunate if the 8 percent projection holds up.
“That is not a troubling rate increase,” he said. “California is coming back toward the average. A bunch of states would die for just an 8 percent increase in 2017.”
A bigger concern, Laszewski said, is the tepid growth in Covered California’s enrollment and what that may mean for future premiums.
As part of its proposed budget for the next fiscal year, starting July 1, the state exchange expects its annual enrollment to grow by only 2 percent over the next year to 1.34 million. Covered California counts about 1.4 million as currently enrolled but that figure is expected to drop to 1.32 million as of June 30 through normal attrition as people get insurance elsewhere or drop coverage.
Sign-ups are crucial for keeping a diverse mix of enrollees and spreading the insurance costs across a pool of healthy and sick policyholders.
About 3 million Californians remain uninsured, but fewer than 1.4 million of them are eligible for premium subsidies under the Affordable Care Act, according to the exchange’s proposed budget.
Lee said California already boasts one of the healthiest risk pools in the country, which insurers have cited as a main reason for the lower-than-average rate increases the past two years. He said the exchange signs up hundreds of thousands of new enrollees each year, but that’s offset by high turnover as many people leave the marketplace for job-based coverage, Medicare or Medicaid.
The average tenure of a Covered California enrollee is about 25 months, according to exchange data.
Over time, Covered California expects the gradual increases in the state’s minimum wage to $15 an hour could shift more low-income people from Medi-Cal, the state’s Medicaid program, to subsidized exchange policies as their pay increases. By 2020, the exchange expects to reach enrollment of 1.52 million.
“California grew very rapidly in the first few years and now we have reached a cruising altitude after three years. We are projecting modest net growth,” Lee said. “I think any questions about the sustainability [of exchanges] are just pure hot air.”
Covered California’s five-member board will discuss the proposed $308 million budget at a meeting Thursday and vote on it next month.
The proposed budget for 2017 is 8 percent lower than the current year budget, reflecting the slower enrollment growth and the fact that Covered California must operate next year without federal startup funds for the first time.
The exchange is planning to draw on $58 million in reserves for operations, and it wants to raise its surcharge on customer policies to 4 percent of premiums, up from 3.4 percent now, or $13.95 per member per month.
Covered California doesn’t receive money from the state’s general fund and relies on policyholder assessments to pay for marketing, service center operations and other expenses.
Health insurers have urged the exchange not to pass on any unnecessary costs to consumers.
“Price is the number one factor impacting consumers when they enroll, so we must always keep an eye toward affordability,” said Charles Bacchi, chief executive of the California Association of Health Plans. “We urge Covered California to move cautiously before increasing this fee and look for cost savings.”
The exchange is proposing to spend $2 million to establish an ombudsman program to help resolve customer service problems.
Consumer groups have criticized Covered California for failing to fix long-standing enrollment and tax-related errors that have blocked people from getting coverage and left some with unforeseen bills.
Last month, federal lawmakers called on Covered California to resolve a problem that has caused some pregnant women to be dropped from their health plans and enrolled in Medi-Cal without notice or consent.
“Absolutely, some consumers have had problems with customer service,” Lee said. “We are making significant investments to do better.”
