UC Browser Faster , Simple , Good

UC Browser, UCWeb Inc. (UCWeb) adalah penyedia teknologi software internet mobile dan layanan applikasi terdepan. Berdiri sejak tahun 2004, Misi UCWeb adalah memberikan pengalaman internet yang lebih baik untuk milyaran penggunanya di seluruh dunia.

UC Browser, produk unggulan dari UCWeb, tersedia untuk lebih dari 3000 model ponsel yang berbeda dari 200 lebih produsen ponsel. Selain itu, UC Browser dapat digunakan di semua sistem operasi seperti Symbian, Android, iOS, Windows Mobile, Win CE, Java, MTK, dan Blackberry. Pada Juni 2011, UCWeb merilis U3 kernel, produk hak milik perusahaan (mirip seperti mesin mobil). Browser yang memiliki U3 dapat memberikan user pengalaman web surfing yang cepat, nyaman dan aman.

Saat ini, UCWeb terus berkembang dengan cepat, 80% dari 1000 lebih karyawannya terus aktif dalam penelitian dan pengembangan produk. UCWeb telah mendapatkan dan sedang dalam proses pengajuan lebih dari 200 paten di bidang mobile browser.

UCWeb telah membangun jaringan server independen di Asia, Amerika Utara dan Eropa. melayani lebih dari 500 juta user di lebih dari 150 negara dan wilayah di seluruh dunia. UC Browser tersedia dalam 11 bahasa termasuk Bahasa Indonesia, Inggris, Rusia dan Vietnam. Sejak September 2011, UC Browser telah didownload lebih dari 1.5 milyar kali di seluruh dunia dan page view setiap bulannya lebih dari 160 milyar. Dengan dibukanya kantor cabang luar negri pertamanya di India pada September 2011, UCWeb berharap dapat terus memberikan pelayanan yang terbaik untuk basis pengguna internasionalnya.
ada juga aplikasi serupa sepeti uc browser yaitu 9APPs ,,
jika anda ingin mencoba keduanya silahkan download aplikasinya di link berikut :
link 0 : 
http://click.union.ucweb.com/index.php?service=RedirectService&pub=zhanglh@diatasdaun&offer_id=mobiplus.subscription.batteryoptimizer
link 1 : 

http://click.union.ucweb.com/index.php?service=RedirectService&pub=zhanglh@diatasdaun&offer_id=link.ucbrowseru3apk

link 2 9apps :

http://click.union.ucweb.com/index.php?service=RedirectService&pub=zhanglh@diatasdaun&offer_id=com.9appstrack.apk

link 1 :

http://click.union.ucweb.com/index.php?service=RedirectService&pub=zhanglh@yahyalagi&offer_id=com.9appstrack.apk

link 2 : 

http://click.union.ucweb.com/index.php?service=RedirectService&pub=zhanglh@yahyalagi&offer_id=link.ucbrowseru3apk

link 1 :
http://click.union.ucweb.com/index.php?service=RedirectService&pub=zhanglh@insureblog&offer_id=com.9appstrack.apk

link 2 : 

http://click.union.ucweb.com/index.php?service=RedirectService&pub=zhanglh@insureblog&offer_id=link.ucbrowseru3apk

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So, about those $0 commissions

We've written about the chilling effect that insurers hope to create by lowering commissions on Exchange-based business (or doing away with them altogether). Most recently, the Kentucky Department of Insurance weighed in, noting that this practice would be viewed as a violation of the insurance code.

Well, seems like the stakes are actually a bit higher:

"(f) Broker compensation in a Federally-facilitated Exchange.   A QHP issuer must pay the same broker compensation for QHPs offered through a Federally-facilitated Exchange that the QHP issuer pays for similar health plans offered in the State outside a Federally-facilitated Exchange." [emphasis in original]

That's from the Code of Federal Regulations as it pertains to the ACA. Seems pretty clear to me.

So then the question becomes: where do we go from here?

[Hat Tip: Sabrina Corlette]

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Monday Morning Linkage

■ Losses mounting:

"Obamacare may get more bad financial news next week, as more insurers are expected to report financial issues due to the healthcare law."

Not that this is a surprise to anyone that's been paying attenmtion; after all, Blue Cross/Shield of North Carolina has racked up over $400 million in losses in just the past 24 months. Tip of the iceberg, really.
 
■ In a bit of irony, the IRS is warning uninsured folks about tax scams [ed: no, not that tax scam!]:

"In some cases ... unscrupulous tax preparers tell clients to pay the penalties directly to them, and they keep the money"

Biggest surprise: that there are still uninsured folks. I thought the ObamaTax was supposed to end all that. Hunh.

■ From email this morning:

"Working to stem the spiraling costs of health care, improve health care outcomes and ensure the adequacy of quality services for its membership, nonprofit InHealth Mutual, Ohio’s only health insurance CO-OP, has reconfigured its provider network to trim health provider costs that fall significantly outside the average of its overall network."

Which is a fancy way of saying that their network's gone on a major diet, shedding 10 hospitals and a slew of physicians.

Look for this to continue as carriers look to cut mounting ACA-related claims (it's what happens when you delete underwriting and then pay folks to purchase insurance).

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Intriguing Think Tank Trick

Sally Pipes, president of the Pacific Research Institute, has an intriguing ObamaTax replacement proposal. As Allison Bell reports, it's a three-legged, free market approach based on three primary components:

■ Use refundable age-based tax credits to help people pay for health coverage.

■ Increase use of health savings accounts (HSAs).
 

■ Use a combination of vouchers and block grants to improve Medicare and Medicaid.

This system works much like a school voucher: you pick the plan and company, and use the voucher to help reduce the cost. The advantage over the current method is that you're dealing directly with the carrier, without unnecessary (and often intrusive) government intervention.

While this seems like a commonsense approach to financing coverage, it's not clear how she plans to handle the next objections: underwriting and how (whether?) to cover pre-existing conditions.

Still, seems promising.

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Celebrating a Decade of Wonkery

Co-founder Joe Paduda hosts this week's 10th Anniversary edition of the Health Wonk Review, and it's a doozy:

From the opening salvos on Single Payer (including a broadside by our own Mike Feehan) to the benefits of wellness ... er ... benefits and Julie Ferguson's epic (and scary!) post on 5 tons of ammonium nitrate within spitting distance of schools and hospitals.

Something for everyone.

Funny true story: My very first turn hosting a 'Review was in May of Aught Six and it was, in fact, the first time I'd ever hosted any "blog carnival." I'd only been blogging about a year-and-a-half at that point, and was a bit reticent about jumping into the fray.

Thanks, Joe, for that long-ago opportunity!

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A little birdie tells me...

In a mandatory meeting this morning, agents who represent Blue Cross of North Carolina learned that, as of April 1, they will receive zero compensation on any individual health insurance business. FoIB Jeff M tells me that his health insurance writing colleague immediately contacted the Tar Heel State's Department of Insurance with some questions. The conversation apparently went thusly:

Agent: "Now that Blue Cross will no longer be paying commissions..."

DOI Rep: "Wait, what? When did this happen?"

Agent: "Just learned about it an hour ago, takes effect April 1. So here's my question: may I charge a fee when selling a Blue Cross policy?"

DOI Rep: "We honestly don't know."

Hunh.

I'd have followed up with another question:

"Since these rates have all been pre-filed, and include commissions, will the Department require that either the commission be paid or the rates re-filed to reflect the lower cost?"

Regular readers know that the Kentucky Insurance Department recently ruled that "Failure to pay commissions in accordance with the rate filing will be considered a violation of the Insurance Code."

Based on the dismal results of the current Open Enrollment season, it will be interesting to see how the rest of the year - and, indeed, the next season - goes with even less agent involvement.

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Berniecare

Democrat curmudgeon and avowed Socialist Bernie Sanders has a plan to save us from Obamacare.

His Medicare For All outline can be viewed here.

Read it if you like.

We skipped over the first few pages of campaign rhetoric and magic fairy dust to get to the meat of his proposal.

Last year, the average working family paid $4,955 in premiums and $1,318 in deductibles to private health insurance companies. Under this plan, a family of four earning $50,000 would pay just $466 per year to the single-payer program,amounting to a savings of over $5,800 for that family each year.

Health insurance for $466 per year.

Such a deal.

But wait. There's more.

In addition to the $466 annual premium for health insurance, that same family will be required to pay 2.2% of their income.

Around $1,100 per year.

At a little over $1500 per year (taxes + premiums) still sounds like a fair deal.

But wait. There's more.

Bern will also raise taxes considerably on those earning in excess of $250,000 per year. That's about 1.5% of the population, roughly 186,000 households.

Other tax the rich revenues will add up to a projected $238 billion per year in new tax revenues.

Over the last 7 years the Obama administration has managed to add $8 trillion in new debt.

What is Senator Gadfly going to do about erasing the debt he (hopes) to inherit?


#Obamacare  #Bernicare

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Gee, Thanks CMS

So, get this in email from CMS:

"With the 2015 tax season underway, CMS has made the Health Coverage Tax Tool available to help consumers with their tax questions. The tax tool helps consumers claim the affordability exemption and calculate their premium tax credit (PTC)."

Which is nice of them and all, but it's only to be used in certain situations, one of which is if:

"The information on the consumer’s health care tax Form 1095-A about his or her “second lowest cost Silver plan” is missing or incorrect"

The "missing" I get, but how would one have any idea if it's "incorrect?"

/sigh

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So Simple Even a Monkey Can Do It

Are you confused about investment options? What is the difference in an ETF and a mutual fund?

How should I allocate my 401(k) dollars?

Worry no more. Help is on the way with the new Fidelity private exchange.

An employer can use the Fidelity exchange to offer group health, dental and vision benefits; life insurance; accidental death and dismemberment (AD&D) insurance; long-term disability and short-term disability insurance; flexible spending arrangements; and health savings accounts (HSAs) and health reimbursement arrangements (HRAs).

At employers that offer the Fidelity exchange, the plan enrollees can use the exchange to manage their Fidelity HSA accounts, Fidelity says.

Fidelity is promoting the exchange with a video featuring animated monkeys. - Life Health Pro

Gives a whole new meaning to monkeying around.



#FinancialAdvisor

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Underwriting 1201: Different Worlds

I've been working on a really interesting case (well, cases, but one client), and the way it's shaking out offers a rare but wonderful opportunity to illustrate the difference between how different kinds of insurance risks are assessed.

An underwriter's job is to look at an applicant's medical (and often financial) history and compare it to others in similar circumstances to determine how much money the insurance company needs to collect in order to make a profit (or to even issue a policy at all). It's as much art as science, and each type of coverage will involve different criteria.

Here's how that works in real life:

Sally came to me looking for both life and long term care insurance (for a variety of reasons we did not consider a "hybrid" plan that covered both risks). We decided that a $400,000 term policy with a 20 year rate lock-in would do the trick on the life insurance side, and a plan with a total of $180,000 of long term care benefits would fit the other need.

Now notice: the life insurer is going to be at risk for more than twice as much as the long term care insurance carrier. Note also that they both got exactly the same information from Sally's doctor.

(The life insurer did have results from its required blood and urine exam, and the long term carrier had the results of a phone interview to test cognitive ability)

So how'd they do?

Well, the life insurance company approved coverage, albeit at a slightly higher premium due to Sally's physique. But the long term care insurer flat-out declined her.

Interesting, no?

Now, I usually tell people that life and long term care underwriters look at very different criteria because, generally speaking, only one of these plans has the potential for multiple claims. And here's proof of that distinction.

The good news is that there's an appeals process available; Sally also agreed with me that she needs to find out exactly what's in the doctor's records that caused the problem. This isn't a a bad idea - after all, Magic Johnson only found out about his AIDS because he had applied, and been declined for, additional life insurance.

The bottom line is that it's nice to have independent, real-world validation of a basic insurance process. Hard to beat that.

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Unmitigated Disaster (Easily Predicted)

As we noted last month, despite all the hoopla and glowing press, this year's Open Enrollment season was shaping up to be a dismal failure:

"About 6 million people have signed up for health coverage that will take effect on Jan. 1 in the states that use the [404Care].gov enrollment."

That was the headcount in December, with the goal of hitting 21 million victims enrollees. I asked at the time "who really thinks they're going to make up that 15 million person deficit in the next two months?"

Fast forward to the the present, and what do we see?

"CBO’s new projection of 13 million exchange enrollees in 2016 is nearly 40% below previous expectations."



And then there's this little ray of sunshine:

"[T]he ACA’s Medicaid expansion is costing far more than projected because of higher enrollment and higher spending per enrollee."

So let me get this straight: fewer healthy, paying customers are signing up for ObamaPlans, and more expensive freeloaders non-payers are signing up for Medicaid, and the leaders of states who took a pass on Medicaid Expansion are the morons?

Hunh.

Oh, and this just in from CMS:

"Plan Year 2016 Open Enrollment closes on January 31"

Any bets on 8 million  new paying customers signing up in the next 6 days?

Heh.

[Hat Tip: FoIB Bob G]

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It's all very incestuous: AHIP+AFL+ ACA

Please bear with me here as I attempt to connect some very interesting - if disturbing - dots.

As regular readers know, AHIP (the health insurance industry's lobbying organization) has been on-board Team O'Care since Day One. What folks may not know is just how deep the ties run between the administration, major labor unions and the insurance industry.

For the purposes of this exercise, I think it best if we start at the end and work backwards:

[Click pic to embiggen]

That's a screen cap from a rather enlightening document from the Clinton Library detailing some of the behind-the-scenes HillaryCare "negotiations." And here's where it gets interesting:

At the time this was going on, Karen Ignani was the director of the AFL-CIO's Department of Employee Benefits, and then immediately segued into running the American Association of Health Plans (which eventually became AHIP, America’s Health Insurance Plans). So, running the benefits advocacy arm of arguably the largest labor union, then straight to running the lobbying arm of the health insurance industry.

And where is the lovely Ms Ignani currently? Well, she's safely ensconced as President and CEO of EmblemHealth, a New York-based insurer with almost 3 1/2 million members (and $10 billion in the bank). Which brings us back to the rather interesting (embarrassing?) revelation from that 1993 meeting. And remember, at the time she was either already heading up the health insurance industry's trade group or about to:

"Karen Ignani was concerned or upset about leaving insurance companies in charge of the health plans ... who preferred to see a single-payer system" [emphasis added]

Interesting conflict of interest there, wouldn't you agree?

Let's move on, shall we? After all, I promised dots (as in 'plural'):

So we have one woman who went from the AFL-CIO to AHIP to EmblemHealth.

But who replaced her ?

Well, that would be the lovely and talented Marilyn Tavenner, who came to AHIP directly from her previous gig as Administrator of the Centers for Medicare and Medicaid Services, which is part of the bureaucracy tasked with implementing ObamaCare.

So, government bureauweenie to lobbyist for the very industry she was previously responsible for policing.

Are we beginning to see a pattern here?

Which brings us back to why, exactly, would a paid industry shill - as well as the current CEO of a successful health insurance company - be "concerned or upset about leaving insurance companies in charge of the health plans?" The fact that the end-goal of both HillaryCare and ObamaCare is Single Payer seems relevant, no?

Which still leaves me puzzled, and a bit disturbed.

Or am I missing something obvious?

[Hat Tip: Ʀєfùsєηíκ]

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CO-OP Lifeline?

We've written extensively about CO-OPs (most recently here); I've actually been a fan of the model all along. The major problem is that in practice, that model doesn't appear to be self-sustaining, as more than half of them are already kaput, and most of the rest are in major financial straits.

But there may still be hope, albeit in a totally ironic way:

"The Obama administration’s top health insurance official told Congress [that] he wants to “loosen up capital rules” to allow private investors to become part owners of the dozen surviving Obamacare co-ops."

So, private enterprise swooping in to save the government's day - who could have seen that coming?

Of course, privatizing them means that they cease to be, you know, co-ops and become what we in the industry call "insurance companies." Not that there's anything wrong with that.

What it means in the big picture is that we've burned through hundreds of millions of dollars to prove that government-sponsored health insurance companies don't actually work in the real world.

Which may be a valuable lesson in and of itself, no?

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United Healthcare - MIA

Trying to find a United Healthcare Obamacare plan? Good luck. They are out there, but you might have to look to find them.

UnitedHealthcare apparently took steps to ensure that it did not sell too many health plans on the federal marketplace during the current open enrollment period for the Affordable Care Act. 

the health insurer reduced the commissions it paid brokers for plans sold on the federal marketplace to 2% from 6% and later said it would no longer pay commissions on the plans. 

It also required brokers to call the company to obtain price quotes that previously had been available online. 

"They would get back to me in the next couple of weeks — maybe," McArdle said. - JS Online

Making matters worse, Obamacare rules require agents to show ALL available plans to prospective clients ......... even if they are paid $0 should a sale result. Failure to comply carries stiff penalties.

How do you like those apples?

#Obamacare

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Ted Cruz Lies

We all remember this promise:



So it's surprising that Republican presidential hopeful Ted Cruz would make the obviously and demonstrably false claim that he and his family had lost their Blue Cross health insurance because the carrier cancelled all of its individual policies.

He further compounded this lie with the equally silly claim that a new plan would have premiums 50% higher than the cancelled one.

Balderdash!



And Senator Cruz expects us to believe his wild claims. Sheesh.

[Hat Tip: FoIB Holly R]

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Life Insurance FUNdamentals

Over at Forbes, Tim Maurer has a very interesting and helpful compendium of useful life insurance information and principles.

One, however, stands out:

5. Life insurance is a risk management tool, not an investment.

This cannot be stressed enough.

Recently, I received email from a carrier touting its newest Indexed Universal Life product, hailing it as "Using Life Insurance for Your Client’s Smart Money."

Basically, the company recommended using its quasi-investment-based life insurance policy as a single-premium "one-and-done" policy; that is, no more premiums would (probably) ever be due. The idea is that the policy's cash value would grow quickly  based on the stock market. There are a lot of problems with this strategy, but the primary one is that, as Mr Maurer notes, there are plenty of other, more effective investment vehicles available.

Good info, good advice.

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Kudos to Us (Again)

It's only been a few months since we were named one of the Top Men's Health Blogs, and now the Milken Institute School of Public Health at the George Washington University has included us in its "54 Healthcare Blogs to Read in 2016."

And we're in terrific company, including the folks at Julie Ferguson's Workers Comp Insider, Jason Shafrin's Health Care Economist and Kaiser Health News.

Sweet!

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Snowy Wednesday Linkfest

■ As we've long noted (most recently here), 404Care.gov security is actually an exercise in kabuki theater. Need more proof?

Well:

"Judicial Watch today released over 1,000 pages of new documents that show federal health care officials knew that the Obamacare website, when it launched in 2013, did not have the required “authorization to operate” (ATO) from agency information security officials."

So they knew from the git-go that the site was vulnerable, a metaphorical cesspool of data virii, and yet they forced citizens who wished to avail themselves of subsidies to expose themselves to it.

Nice.

■ Likewise, we've been advising readers of the stupidity that is the (Evil) Individual Mandate: a toothless, nominal fee as opposed to an outrageous premium and massive out-of-pocket exposure.

At last, someone in the MSM 'gets it:'

"You spend thousands of dollars a year on insurance ...and you can't afford to go to the doctor."

No kidding.

But hey, free birth control convenience items.

■ Finally, the Rocket Surgeons in DC© have figured out that perhaps the "30 special enrollment” categories may be creating some perverse incentives, and are threatening to crack down on miscreants who actually take advantage of the system's own inherent flaws. According to the official CMS blog:

"One of the areas we have been reviewing closely is the special enrollment periods we offer ... elimination of several unnecessary special enrollment periods, clarifies the definitions of other special enrollment periods, and provides stronger enforcement so that special enrollment periods"

Hahahaha!

Sure they are. Fact is, virtually no one has even heard of most of them, including "tax season open enrollment" and a bunch of other esoteric, obscure circumstances.

But I'm sure the roughly 8 or so people who get their wrists slapped for this are the primary cause of carrier woes.

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UHC vs ACA: Winning!

As we've previously noted, United Healthcare is the 800# gorilla in the Federal Marketplace ("Exchange") room. While this may, in fact, be an enviable position, it's not without risk. Namely, "the bigger they are..."

Well, you know the rest:

"UnitedHealth lost $720 million on its individual-market health plans in 2015 ... nearly $300 million above estimates made a few months ago."

Ouch.

Of course, this was completely unexpected, nor was there any way for prescient carrier prognosticators to anticipate...

Wait, what?

"The health insurer ... said the poor experience in the ACA exchanges was due to sicker-than-average consumers enrolling in its health plans and a surplus of people signing up outside of the open-enrollment window."

Really? Sick folks signing up for health insurance at discounted rates for top-notch policies? Who'da thunk it?

[ed: On the other hand, what off-Open Enrollment sign-ups have to do with this is a mystery]

Fortunately, the company will be able to recoup most of these losses through the government's backstop risk corridor program.

Right?

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Fool me once, shame on you. Fool me twice . . .

One of the reasons Bernie Sanders’ sun is rising - and Hillary Clinton’s is setting – is their difference over government-paid generic medical insurance.  (Which, of course, they still call “healthcare”).

Bernie favors a single-payer arrangement he calls Medicare for All. This is popular among the self-described progressives in the Democrat Party, and among the American left. It’s popular because its leading advocates – e.g., Bernie – promise it will give everyone better coverage, will cost less, and will be easy to use. What’s not to like?

Contrast Hillary who favors fixing Obamacare, or at least she says she favors fixing Obamacare.  Her major objection to Bernie’s plan is that Medicare for All would cost too much, and therefore require even higher taxes to pay for it. That’s less popular among progressives/leftists, partly because Obamacare has become so unpopular, and partly because Hillary does not promise wonderful things for free.  It’s also less popular outside Hillary’s orbit because of the growing recognition that Obamacare already costs too much and is probably not fixable.  Anyway, for the first time in almost 25 years, Hillary does not hold high ground on medical insurance - and the polls reflect that.

There’s an interesting back story here.  At least two states have already tried to design workable single-payer plans for their residents. Both gave up because of high cost. One of them is Connecticut, the other is Bernie’s own Vermont.

In 2007, Connecticut shut down its state single-payer project because it would have cost more than the entire state budget.

And in 2014, Vermont shut down its state single-payer project. With Bernie’s help, Vermont had received $45 million federal funding to design such a program for the Green Mountain People’s Republic.  Vermont hired Top Men for the design group, including the notorious Jonathan Gruber from MIT.   But Vermont shut down its project because it would have cost almost as much as the entire state budget.  Vermont supporters of single-payer didn’t like that because, they claimed, savings would far outweigh the costs.  Ever hear that before?

This backstory is not exactly secret, but hasn’t been much reported, either.  During 2016, the candidates’ differences over government-paid generic medical insurance will likely become much more prominent.  Superficially Medicare for All does look better than Obamacare, I think mainly because Obamacare is so dysfunctional.  Let’s not forget Obamacare was deceptively sold to America by the progressive/left wing of the Democrat party; the Democrat-majority Congress passed Obamacare without a single Republican yea in either the House or Senate; and then we found that all along, the progressive/leftists consider Americans “stupid”.

My opinion?  None of the promises progressive/leftists make about Medicare for All – more coverage, for less cost, and simpler administration - survive thoughtful analysis from experts other than the partisan progressive/leftists themselves.  Technically, there are huge flaws that cannot be ignored.  Politically, fancy promises about how great it’s gonna be, have been made before by the same people, and spectacularly failed to materialize.  Exhibit A:  Obamacare.  Fool me once . . . etc.

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Getting serious with Tar Heel State's BX

Last week, we reported that Blue Cross of North Carolina was in quite the pickle, what with messing up plan selections and effective dates, and dropping the ball on confirmations, too.

Well, looks like the heat's getting turned up under their tushies:

"Blue Cross Blue Shield of North Carolina sent an email to employees saying they were increasing security and safety measures at their facilities due to incidents involving “extremely frustrated customers.”

Local constabularies will be increasing patrols and police presence at some of the carrier's facilities, as frustrated customers become increasingly more, well, frustrated:

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Health Wonk Review: Happy New Year! edition

Welcome, friends, to 2016-style health care wonkery. Later this month, we'll be celebrating our 11th anniversary here at IB; it's fascinating to look back over almost a dozen years of posts (and quite a few 'Reviews hosted) to see how much has changed, and how much hasn't.

But no time for waxing nostalgic, let's get on with the show:

■ First up is our good friend (and colleague) Jay Norris. Jay was recently appointed to the Board of Directors of Connect for Health Colorado, the Centennial State's exchange. He's concerned about a policy decision made by the Exchange to begin blocking enrollments from out of state brokers at the beginning of open enrollment. Here he explains why.

■ Over at Health Affairs Blog, Susan DeVore writes about six big trends to watch for in health care for 2016, including MACRA, telemedicine, value-based contracting, specialty pharmaceuticals, and others. She notes that with the upcoming Presidential election, health care is once again keeping us up at night. How much of the current debate is hyperbolic rhetoric? What policy changes are realistic in an election year? What market trends in the private sector will drive the most change?” Good questions, Susan.

■ At Workers Comp Insider, 'Review coordinator (and all-around gracious lady) Julie Ferguson lets us in on the depressing fact of the week:  In 2014, there were approximately one and a half times more drug overdose deaths in the U.S. than deaths from motor vehicle crashes. She looks at developments in the nation’s opioid and prescription drug epidemic via a pair of recent studies on the topic, as well as a roundup of some other noteworthy writing on opioids.

■ For the next few months, Health System Ed's Peggy Salvatore will be blogging on digital strategy for healthcare organizations in preparation for a pharmaceutical conference on digital health (the ePharma Summit 2016). This is the first post in the series, which is about how pharma spends a lot on marketing and provides a necessary product, and that as an industry it the means and the clout to make a positive difference. But will it? Stay tuned...

■ Longtime foil Wendell Potter notes that all of the Republican presidential candidates have condemned the Affordable Care Act and pledged to replace it as soon as they’re elected. But with what? Wendell runs down their likely replacement proposals, which he’s dubbed “The Faulty Five."

■ Dr Jaan Sidorov is one of my very favorite wonk-bloggers and. as usual, he doesn't disappoint. This week, he likens mHealth to dashboard tachometers, arguing that when mHealth is "smart, synergistic and scalable," the tachometer can improve insurer/vehicle performance.  Without those features, however, there's enough about mHealth to make it very attractive to consumers on a retail basis. Vroom, vroom!

■ I've only recently been following Charles Gaba, and I regret having missed his insights over the years. Here, he acknowledges that the ACA mandate penalty costs less than the premiums for some people, but... Well, he offers some important clarifications regarding the case studies quoted in a recent NY Times story about people deliberately choosing to pay the Individual Mandate penalty rather than sign up.

■ Like Peggy S, Joe Paduda has put together a series; his is on how he thinks the ACA's getting along, from enrollment to costs. As usual, he's concise and on-point. Part One is here, and Part Two here.

■ Longtime HWR contributor David Williams has been following Republican presidential candidate Ted Cruz, specifically his proposal to speed up FDA approvals, which has been garnering a lot of criticism, much of it deserved. But why do opponents have to go all the way back to 1956 for evidence against the plan? Instead, asks David, shouldn't we use the proposal as an opportunity to debate the role of safety and efficacy in approvals, and to examine why some parts of the FDA work better than others? Another good question.

[ed: Do I sense a theme?]

■ Uber-wonk Roy Poses alerts us to the new CDC draft guidelines that urged more conservative use of narcotics for non-malignant chronic pain, and which immediately attracted a barrage of criticism. His take? Those arguments against them were underwhelming. Click through to learn why.

■ Dr Brad Flansbaum addresses a recent New Yorks Time article about whether doctors should unionize, and comes away unconvinced either way. What's so great about this post is the series of insightful questions he poses to both sides of the debate.

[ed: Yup]

■ And now for something completely different. Our own post examines CanuckCare©'s rather lackadaisical view of death: as in the Canadian Medical Association considering allowing doctors to LIE about patients death to cover up euthanasia. Spoiler Alert: at least one Canadian med school's already doing so.

Thanks for tuning in, and please join us at Joe P's place on the 28th.

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O'Care in Real Life

So, one of my small group clients just lost the last person on his group plan. It had gotten so expensive that no one could really afford to stay on it. Shopping around didn't help: everything we looked at was at least as expensive for comparable benefits. And the plan was pretty much bare-bones, not a lot of fat to trim.

He'd like to be able to continue offering some kind of coverage, but now that the plan has no active members, there's not much we can do. One alternative is to offer to help pay for individual plans (there are still legit ways to do this), but that's really only an option during Open Enrollment, which means that, for most of the year, no can do.

Tom has been a client - and friend - for almost 30 years. A small business owner, he was proud to be able to offer his employees coverage. Now that's gone.

"Affordable" Care Act, indeed.

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Dis-Kynected

As we reported last month, newly-elected Blue Grass State Governor Matt Bevin announced that he'd be pulling the plug on its legally-questionable  health insurance exchange, Kynect. And so he has:

"Gov. Matt Bevin has notified federal authorities he plans to dismantle kynect ... goal is to eliminate "the redundancy" of Kentucky's online health exchange."

As we noted in December, all the panty-twisters' protestations are, in fact, meritless, since the program itself was simply an exercise in phone-and-penmanship by former Governor Bashear. And there's this: "most Kentuckians are paying for the service through the 1 percent surcharge for a service that only a fraction of Kentuckians use." I thought O'Care supporters were all in for "fairness."

Guess that depends on the definition of "fair."

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The MVNHS© Strikes Back

Emphasis on "strikes:"

"Tens of thousands of junior doctors, a term that covers medical professionals with as much as a decade of experience, were believed to have refused to work, providing only emergency coverage because of a dispute over pay and working conditions"

This is the oft-overlooked truth about nationalized health care schemes: the providers become employees of the state ("who pays the piper calls the tune"), and are thus subject to said government's whims. In this case, some 4,000 elective procedures, including hip and knee replacements, were put off; one wonders how many patients' symptoms are now even worse.

And I certainly didn't know this, despite being a long-time student of the Much Vaunted National Health Service©:

"[D]octors are officially required to work a 48-hour week"

So let's see: the government tells doc's how much they must work (and that's a pretty heavy load), and how much they'll be paid. Seems like there should be a term for that.

But, hey: Free health care.

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Padding Your Numbers

In an attempt to make Obamacare look like a success, the regime continues to manipulate the rules with impunity as a way of making this turd look attractive.

The administration has created more than 30 “special enrollment” categories and sent emails to millions of Americans last year urging them to see if they might be able to sign up after the annual open enrollment deadline. But, insurers and state officials said, the federal government did little to verify whether late arrivals were eligible. - NYT

What's wrong with that, you may say? Wasn't Obamacare supposed to insure a larger number of people?

“Individuals enrolled through special enrollment periods are utilizing up to 55 percent more services than their open enrollment counterparts” who sign up in the regular period, the Blue Cross and Blue Shield Association, whose local member companies operate in every state, told the administration.

SEP's create smellier turds.

I see.

#ObamacareFail

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Major Blue Snafu

Courtesy of FoIB Jeff M:

"Blue Cross and Blue Shield customers in North Carolina will be getting refunds ... they could not confirm whether they were insured ...  about 25,000 customers were accidentally put into the wrong health plans."

Three very serious problems, and it's not really clear how much they overlap (ie how many were overcharged vs how many couldn't confirm vs how many put in wrong plans). The good news is that the BX folks are working to resolve these issues.

And of course, it could be worse:

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Obamacare CO-OPs - the NeverEnding Story?

News came last September of the collapse of Health Republic New York, the nation’s biggest nonprofit CO-OP health insurer created by the Affordable Care Act.  It was “ordered to shut down as is reels toward insolvency, disrupting coverage for more than 200,000 New York State residents.”  But the disruption in coverage is only part of the story.  Health Republic’s collapse has also created financial domino effects across the state, for hospitals and doctors - and for other insurers.

“Hospitals and doctors told New York Senators Wednesday [January 6th] they’ve got $200 million or more in unpaid bills because of last year’s financial failure of insurance cooperative Health Republic,  and they want the state to step in.”

"UnitedHealth Group Inc., the largest U.S. health insurer, said its rates for Obamacare plans in NewYork may be too low because the failure of a competing insurer last year might lead to shortfalls in payments designed to stabilize Obamacare markets – payments they counted on when setting their 2016 premiums. "

Additional serious losses in NY in 2016 increases the likelihood that United will pull out of the State Exchange for 2017. Of course United's participation in all other Exchanges for 2017 is in doubt and the doubt just got bigger.  United’s CEO Stephen Hemsley now says that participating in the Obamacare individual Insurance Exchanges “was for us a bad decision”

Most NY insurers, not just United, say that the New York State rate-review process failed.  The New York State Insurance Department disagrees.

UnitedHealth requested a 22 percent rate increase for individual Obamacare plans. Instead, state regulators allowed the company to boost rates by 1.65 percent. The company also sells business under the Oxford brand, which requested a 5.32 percent rate increase,and was forced instead to cut rates by 12.25 percent.

But Health Republic was able to lock in rates much lower than its competitors, NY's Depatment of Financial Services health insurance honcho Troy Oechsner claims that “we did the right thing at the time, given the uncertainty of the market.”

Was this simple regulatory failure?  Or could it have been deliberate political maneuvering of rate approvals to show that Obamacare really reduced medical insurance premiums?  And to help Health Republic capture significant membership so this leading Obamacare CO-OP would be hailed as a “success?”

If it turns out political maneuvering is even a little bit true, my guess is that there are political influence peddlers from Washington to New York (and insurance dept officials in New York, too) who should lawyer up and start worrying about significant prison time.

Note:  there are two other co-ops sharing the "HealthRepublic name" - in New Jersey and Oregon - but they're not affiliated with New York's version and aren't affected in this particular instance.

However: all three were set up by the Brooklyn-based Freelancers Union, about which we've written extensively - if not favorably - in the past.

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Friday Term of Art: "Unsustainable"

That is, the whole flimsy house of cards upon which the ObamaTax was built relies substantially on enticing young (and presumably healthy) victims people to enroll. That's because, by and large, this cohort tends to have fewer (and less expensive) claims, so they represent essentially free money to "the system."

But what happens when you can't entice threaten cajole them into actually pulling the 404Care.gov trigger?

Well, you have lots of unhealthy folks (of all ages) signing up, causing major claims, which are then supposed to be backstopped by Uncle Sugar (how's that working out?).

Which brings us to this completely predictable news:

"26% of people who signed up for coverage as of Dec. 26 in the 38 states that use the federal exchange were ages 18 to 34 ... largely unchanged from a roughly comparable two-month period through Jan. 16, 2015."

So what does that mean?

In a nutshell: that which can't go on, won't . That is, as more and more younger (generally healthier) young people continue to opt out, claims will continue to rise with little or no corresponding increase in premium revenue.

But hey, they'll just make it up on volume.

[Hat Tip: FoIB Michael Cannon]

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Obamacare Jackpot

CMS (Center for Medicare Services) is responsible for Obamacare oversight.

This includes everything from reviewing carrier health insurance plans and compliance to managing the (still dysfunctional) healthcare.gov website.

Now we hear the HHS OIG (Health and Human Services Office of Inspector General) notes that for the EIGHTH TIME in less than a year they found that CMS is incapable of accounting for the distribution of taxpayer subsidy funds.

CMS relied entirely on data from health insurers to verify whether enrollees had paid their premiums and were eligible. Unfortunately, this data was insufficient - insurers provided payment information on an aggregate rather than enrollee-by-enrollee basis, making verification all but impossible.  

"CMS had not yet established computer systems to enable marketplaces to share confirmed enrollment data; therefore, CMS did not verify that QHP issuers were returning APTC overpayments to Treasury." - ATR

But hey, it's only money.

#ObamacareFail

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Obamacare and Small Business in 1000 Words

[click pic to embiggen]

If I like my plan I can keep it?

$2500 savings?

3000% rate reduction?

#Obamacarefail

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Veddy Interestink

So we've been reporting on various carriers' unilateral decision to stop paying commissions, and wondered:

"Since it will no longer be paying commissions, will [carriers] now refund the portion of [their] clients' premiums that represent that cost?"

Blue Grass State honchos have weighed in, and the answer is (pleasantly) surprising:

"Kentucky has published an Advisory Opinion to clarify inquiries regarding the non-payment of commission payments to agents for certain products ... Failure to pay commissions in accordance with the rate filing will be considered a violation of the Insurance Code."

And this edict applies specifically to health insurers (both individual and group).

Now, it affects only carriers and agents in Kentucky (for now), but it will be interesting to see if other jurisdictions will hop on board.

So, some good news for a change.

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Thursday Morning LinkFest

■ From the Everything Old is New Again Department:

Way back in Aught-Six, we reported on a groundbreaking plan called PACE, a self-funding option for small group:

"ACMG has developed a unique new product that brings the benefits of ERISA plans and the “stability” of fully insured plans to the small group market."

Almost a decade later (yesterday, to be precise), FoIB Jeff M alerted us to a "new" program called Level Funded Health:

"Level funded health plans appear like a hybrid between a traditional group health insurance plan along with a form of self-insurance."

LFH is available for groups with as few as 5 employees; being self-funded also means being able to duck some major ObamaTax requirements (which should help to keep the price down).

Methinks these types of plans will become more and more attractive as small group plans keep getting squeezed in the marketplace.

■ From the Annals of the MVNHS©:

"Tumors force 11-year-old boy to undergo mastectomy"

Turns out, this young lad apparently had several benign tumors in his chest, and recently became "the first child in the country to undergo a mastectomy."

He seems to be making a speedy recovery.

■ From the Medicinal Alcohol & Yogurt Department:

"A craft beer made with ingredients from kefir — a fermented milk drink that resembles yogurt— may sound a little gross. But drinking it could bring health benefits"

What benefits, you ask?

Well, reduced stomach inflammation and ulcers, for starters.

The bad news is that its effects have so far been tested only on rats, who apparently have no problem with the mixture.

Tastes great, less ulcers?

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Health Insurance for Life

 

     What the Health Insurance ? a kind that specifically guarantee health costs or the members of such insurance if they fall ill or have an accident . These insurance products are organized by social insurance companie , life insurance companies , as well as general insurance . We must know kind insurance for health.       Each insurance brand may offer one or more of Reviews These four common types of plans :      1. Health maintenance organizations ( HMOs )    
2. Preferred provider organizations ( PPOs )    
3. Point - of-service ( POS )   
4. High -deductible health plans ( HDHPs ) , the which may be linked to health savings accounts ( HSAS )

     Take a minute to learn how about these plans. To learn the specifics about a brand's particular health plan, look at its summary of benefits.

1. Health Maintenance Organization (HMO)

     An HMO delivers all health services through a network of healthcare providers and facilities. With an HMO, you may have:The least freedom to choose your health care providers.The least amount of paperwork compared to other plans.A primary care doctor to manage your care and refer you to specialists when you need one so the care is covered by the health plan. Most HMOs will require a referral before you can see a specialist.

2. Preferred provider organizations ( PPOs )
     *A moderate amount of freedom to choose your health care providers -- more than an HMO.
     *You do not have to get a referral from a primary care doctor to see a specialist.
     *Higher out-of-pocket costs if you see out-of-network doctors.
     *More paperwork than with other plans if you see out-of-network providers.

3. Point - of-service ( POS )

     A POS plan blends features of an HMO with a PPO. With POS plan, you may have.*More freedom to choose your health care providers than you would in an HMO
*A moderate amount of paperwork if you see out-of-network providers
*A primary care doctor who coordinates your care and who refers you to specialists.

4. High-Deductible Health Plan With or Without a Health Savings Account

You may be able to pay less for your insurance with a high-deductible health plan. With an HDHP, you may have:

• One of these types of health plans: HMO, PPO, or POS
• Higher out-of-pocket costs than many types of plans, but if you reach the maximum out-of-pocket amount, the plan pays 100% of your care
• A health savings account (HSA) to help pay for your care. The money you put in an HSA is not taxed and can be used tax-free on eligible medical expenses.

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Top 10 Secrets Cheap Auto Insurance

     Hello Every Body , Ok. So maybe it's not a secret, but it's common knowledge either. The more you know khow about insurance works , insurance drive and more.

1. Get a quote and apply online

Auto insurance coverage may be standard throughout your province, but insurance premiums are another story. Coverage from one company to the next can vary by hundreds, if not thousands of dollars. The only way to make sure you are getting the best base price for your policy is to compare, compare, compare.

2. Make sure all your cars are on the same policy

We offer a "Multi-vehicle discount" for customers who insure more than one car on the same policy. This can bring you savings off both cars.

3. Insure both your car and home with the same company

Again, this will qualify you for a discount called the "Multi-line discount". We offer this savings as an incentive to get your property insurance business too. It's all perfectly legal and it's a great way to get another discount off your premiums.

4. Increase your deductibles

In a nutshell, the higher your deductibles, the lower your insurance premiums. Insurance was really meant to cover you for damages you could never afford on your own. If you can afford a $1,000 repair job, then raise your deductibles to $1,000 and pay less for your insurance.

5. Older car? Think about dropping your collision coverage

If your car is getting up there in age, you may want to think about dropping the collision coverage on your policy. You need to think about this one though - it's not always a clear-cut decision. You need to weigh the cost of the collision coverage with the value of your car and your chosen deductibles. For example, if you had a 10-year-old car that was worth about $1,000, and your deductible was $1,000, that collision coverage is not going to be worth a hoot.

6. Drive carefully

Your driving record is one of the most influential factors in determining your insurance rate. Tickets affect your insurance rates for up to three years and accidents stay on your record for at least six! With a bad driving record, you can find yourself paying a lot of extra premium over the years.

7. Drive a "low-risk" car

Insurance rates for cars are based on the previous claims history for that vehicle. The more likely a car is to be stolen or in an accident, the more you pay for insurance. If you are buying a new car, check with the Vehicle Information Centre of Canada or compare quotes to see how your dream-car rates. This may influence your purchase.

8. Don't drive to work

The more you are on the road, the higher your chances of getting in an accident. Insurance rates are higher for people who commute to work. So taking the bus or sharing a ride will not only help you save on parking and gas, but will help lower your insurance premiums.

9. New driver? Take a driver's training course

Licensed drivers who have completed an approved drivers training course in the last 3 years pay lower premiums. Safer drivers pay lower insurance rates.

10. Have an anti-theft device installed in your car

We recognise your car is less likely to be stolen if you have an anti-theft device installed in your vehicle. Check to see if your company offers this "Alarm or anti-theft discount" and consider if the price of the device is worth the added savings over the years. If you already have an approved, factory-installed alarm in your car, we will take this into account when determining your rate.

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