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  1. Obama: Broken promises on taxes and health care?

    May 19, 2012 by admin

    “If you are a family making less than $250,000 a year, your taxes will not go up.” (quote from President Obama, 2008)

    “Promise broken: Obamacare raises 18 different taxes.”

    “If you like your health care plan, you can keep your health care plan.” (quote from Obama, 2009)

    “Promise broken: Millions could lose their health care coverage and be forced into a government pool”

    –Assertions in a new Crossroads GPS ad, released Wednesday

    The Republican-aligned Crossroads GPS has scheduled a massive $25 million ad buy, starting with this hard-hitting ad that purports to list a bunch of “broken promises” by President Obama.

    We are not going to quibble with some of these claims. The president, for instance, certainly has not met his pledge to cut the budget deficit in half. But we were interested in exploring more craefully the two health care-related items listed above.

    The Facts

    Obama’s promise not to raise taxes on families making less than $250,000 was one of his signature pledges of the 2008 campaign. It would exempt about 98 percent of Americans.

    When the Crossroads GPS ad mentions the 18 taxes, it flashes the words “$503B between 2010 and 2019,” citing a Jan. 20, 2011, report by the Heritage Foundation. The clear implication is that all of these taxes hit Americans making less than $250,000.

    But if you look at Heritage’s chart, it’s clear that many of these taxes actually are aimed at the wealthy. And some of the other taxes are imposed on insurance companies and the like, which of course may pass on the cost of the taxes, but it is not a direct tax on a person.

    The health-care law includes a mandate that would force people without insurance to buy it, which Heritage labels as a $65 billion tax. (Confusingly, Obama claims the mandate is not a tax, even though the government argued it was a tax before the Supreme Court during arguments on whether the law is constitutional.) Much of this, however, would not fall on individuals, our colleagues at FactCheck.org noted. There is also a tax on tanning salons, which certainly could affect people of all income levels, as well as a cutback in flexible spending accounts and other items.

    We will leave it to readers to decide how much of these are tax increases in the conventional sense (ie, hikes in income or payroll taxes). But it certainly does not add up to 18 taxes, worth $503 billion, on families making less than $250,000 a year. At least $210 billion of tax increases is aimed directly at the wealthy, by Heritage’s count.

    Moreover, as we have noted before, Obama has cut taxes in the first term, including payroll taxes, so most Americans so far have seen a tax decrease under Obama, not a tax increase.

    In fairness, we should note, however, that because of the tanning salon tax and the health-care mandate, our colleagues at PolitiFact — who have assidiously tracked Obama’s promises — have labeled Obama’s pledge as a “promise broken.” They found a rather all-encompassing quote from Obama in which he said, as a “firm pledge,” familes making less than $250,000 will not “see any form of tax increase. Not your income tax, not your payroll tax, not your capital gains taxes, not any of your taxes.”

    Maybe Crossroads GPS should have cited PolitiFact rather than pumping up the list of taxes to more than $500 billion.

    Regarding the claim that “millions could lose their health care coverage and be forced into a government pool,” this is drawn from a recent Congressional Budget Office report. The ad, unlike some critics of the president (see this over-the-top Chamber of Commerce ad), does not make the mistake of claiming “20 million” would lose employer-based coverage — which is the most extreme scenario in the report.

    The most positive scenario has 3 million being added to employer coverage, while “on balance, the number of people obtaining coverage through their employer would be about 3 million lower in 2019 under the legislation than under prior law,” the CBO concludes.

    That certainly qualifies as “millions,” though it should be noted this is only a projection.

    Still, it was a noteworthy pledge made by the president, one he clearly had difficulty keeping.

    The Pinocchio Test

    The president, like any politician, is certainly vulnerable to charges that he did not achieve certain pledges. PolitiFact’s Obamameter says the president has kept 36 percent of his pledges, which would certainly be a good batting average in baseball, but perhaps not in politics. Only 14 percent of Obama’s pledges are listed as fully “broken,” with the rest stalled, compromised or still in the works.

    But Crossroads GPS goes too far when it suggests that Obama has raised so many taxes, costing so much, on families making less than $250,000. By and large, such families have been spared most of Obama’s tax increases, and benefited from his tax cuts.

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    Article source: http://www.washingtonpost.com/blogs/fact-checker/post/obama-broken-promises-on-taxes-and-health-care/2012/05/16/gIQAXgfZUU_blog.html


  2. Clipboard: Senate health cost bill moves forward, with critics

    May 19, 2012 by admin

    Massachusetts senators, in a near-consensus vote yesterday, passed their version of a bill to control the growth of health care costs in the state. The bill calls for bringing the rate of growth of health care costs more in line with growth of the overall state economy.

    Lawmakers debated the bill, and 265 amendments, for two days, reported Shannon Young for the Associated Press:

    Among the amendments senators passed were the creation of a fund to improve and expand the ability of certain community hospitals to better serve those in need. Other changes to the legislation call for establishing both a residency grant program to finance training of primary care providers at community health centers, and a commission to study the value of graduate medical education in the state and recommend a sustainable model for funding it.

    During the debate, Senator Harriette Chandler, Democrat of Worcester, praised the bill, which builds on the 2006 landmark universal health care law signed by Mitt Romney, then governor. Chandler said the country is watching to see what will happen in Massachusetts, as far as health care is concerned.


    “It’s a brilliant bill because it’s an infrastructure bill. It’s a health care payment infrastructure bill, which provides us with a long-run, long-term approach to dealing with health care,’’ she said.

    Matt Murphy of the State House News Service lays out a major point of tension between the Senate’s bill and a cost containment plan now being considered by the House:

    The bill now moves to the House where leaders have already detailed their own version of a bill that differs from the Senate in several key areas, including the House’s proposal for a luxury tax on high-cost hospitals whose price variations from lower-cost community hospitals cannot be justified.

    Asked if she would entertain the luxury tax in eventual negotiations with the House, Murray said, “No.�

    Senate leadership celebrated the bill’s passage. President Therese Murray said in a statement that, by controlling health costs, the bill will “remove a major roadblock� to long-term job creation and growth in other sectors in the state, such as education. As Martha Bebinger of WBUR explains, in her comprehensive coverage of the debate, it has its critics:

    “The amendments, as I watch them, many of them really do add to the cost rather than contain the cost of health care,� said Bill Vernon, with the National Federation of Independent Businesses in Massachusetts.

    Vernon is skeptical that the bill, with new fees, boards and commissions, will save the estimated $150 billion over 15 years.


    “I have a very hard time believing that it’s actually going to reduce the cost of health care for small businesses and the people who work there,� Vernon said.



    The Associated Industries of Massachusetts has advocated for more aggressive cost control than either the House or Senate have proposed.

    “Patrick said earlier this week that ‘I think the industry can do better than GSP.’ AIM agrees,� Vice President of Government Affairs Kristen Lepore wrote on the group’s blog. “This is a once in a generation opportunity to pass a bill that will solve the state’s health care cost crisis.

    Former chief executive of Beth Israel Deaconess Medical Center Paul Levy writes on his blog that the Senate bill falls short:

    Perhaps the House will offer more, as this Senate provision will mainly allow folks to document — again — what has been going on for years, disparate rates paid by insurers for the same services under a system of ratemaking that has no accountability, that is guided mainly by market power.


    While the Senate bill offers much good in other respects, this is a disappointing result for the state’s consumers and employers.

    Chelsea Conaboy can be reached at cconaboy@boston.com. Follow her on Twitter @cconaboy.

    Article source: http://www.boston.com/whitecoatnotes/2012/05/18/clipboard-senate-health-cost-bill-moves-forward-with-critics/OWN8OzS9jh4OeComzwq4XL/story.html


  3. Health 411: Doctor’s office took co-pay it shouldn’t have taken

    May 19, 2012 by admin

    I had a routine physical exam a couple of weeks ago and paid a $40 co-pay. I thought it was strange, so I called my insurance company. They said I should not have had to pay a co-pay for a routine physical exam.

    I called the doctor’s office and they referred me to their billing department, who refused to refund me the co-pay until my insurer reimburses them for the full amount of the physical.

    This doesn’t sound correct to me. They collected a co-pay that they should not have collected. Shouldn’t they refund my money and deal with the insurance company directly?

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    That’s right, says Amy Ford Keohane, president and chief marketing officer for the Philadelphia-based patient billing advocate organization MedClaims Liaison. If you went to see a provider who is contracted with your insurance company (all bets are off with out-of-network doctors), and your insurer does pay for routine physicals in full, then yes — the doctor’s office should immediately refund your money and deal directly with your insurer to collect payment.

    You said you confirmed with your insurer that paying the $40 co-pay was a mistake. Still, sometimes consumers can misunderstand the nature of their doctor visit or how it’s been billed.

    Here’s an example. President Obama’s Patient Protection and Affordable Care Act requires insurers to cover the full cost of a host of preventive services, with the patient not being responsible for either a co-pay (the fixed fee you pay to see the doctor) or co-insurance (the percentage of the bill you have to pay). But there are exceptions to that. Plans already in place when the law took effect on March 23, 2010, are considered “grandfathered” and are exempt.

    Also, only preventive services are covered in full — and even if your appointment is originally preventive in nature, it could end up with a different billing depending on what happens while you’re there.

    “If the patient goes in for a physical and in the midst of it discusses a complaint on, say, a foot injury, the visit no longer is preventative,” says Erin Moaratty, representative for the Hampton, Va.-based Patient Advocate Foundation. At that point, your appointment will be subject to co-pays, co-insurance and deductibles (the amount you pay before insurance kicks in and picks up the bills), as dictated by the rules of your plan.

    To clarify exactly what transpired during your physical, Moaratty suggests you ask the doctor’s office and/or your insurance company for two codes: the CPT (Common Procedural Terminology) and diagnosis codes associated with your visit. These are assigned to every medical service and procedure and are used by healthcare providers to bill insurers. That will clear up any confusion that may exist about how the visit should have been billed.

    Another tip: When dealing with your doctor’s billing office, you might get a better response to your request for your $40 by asking for a staff member higher up the chain. “Escalate to a supervisor. Some people don’t have the authority to make those kinds of decisions,” Moaratty says.

    When talking to that supervisor, it’ll help if you are very clear on the facts about what is required of a doctor considered “in-network” by your insurer.

    “If it’s a network provider, they’ve signed a contract,” says Nancy Metcalf, senior program editor with Consumer Reports. That contract says doctors can’t make you pay any more for your visit than your health plan says you have to.

    By refusing to refund money it mistakenly collected, Metcalf says, the doctor’s office violated its contract with the insurance company. Just letting the office know you’re aware of that fact may be enough to prompt them to act.

    If that doesn’t work, get your insurer involved.

    “The health plan may be able to intercede on behalf of the patient to get a payment issue resolved, depending on the specific circumstance,” says Robert Zirkelbach, a spokesman for America’s Health Insurance Plans, an industry trade group.

    And when you call your insurer, consider asking the customer service representative to initiate a three-way call with the doctor’s office to clarify the details of your plan. This approach usually clears things up, Moaratty says.

    Still can’t get the doctor to send back your $40?

    If you get your insurance through work, enlist the help of your benefits or human resources department. (Some companies hire outside vendors who will help employees deal with a variety of insurance problems.)

    If all else fails, you can turn to your state’s department of insurance for assistance in filing a complaint. For contact information, go to the website for the National Assn. of Insurance Commissioners (www.naic.org) and click on the tab that says “States and Jurisdiction Map.”

    Zamosky has been writing about how to access and pay for healthcare for more than 10 years.

    Article source: http://www.latimes.com/health/la-he-health-411-20120519,0,587138.story


  4. Health Dept. serves formal notice for Pedro Espada Jr.’s Bronx health center to shut down

    May 19, 2012 by admin

    Pedro Espada Jr.’s embattled Bronx health center slipped closer to the abyss as the state Health Department served formal notice Friday to start shutting it down.

    Soundview, a nonprofit health network founded by Espada more than three decades ago, has been unable to pay its doctors’ medical malpractice premiums since March because of a severe financial crisis. More than 70 staffers were laid off recently.

    The former Bronx state senator was convicted this week of stealing more than $400,000 from Soundview for personal expenses such as restaurant meals, home renovations and family trips.

    “This is a continuation of the DOH’s attempt to link Sen. Espada’s trial to the fate of this clinic,” said senior vice president Alejandro Espada at a press conference outside Soundview.

    Alejandro Espada has been running the center while his father dealt with the charges.

    “In reality, Sen. Espada is no longer involved in the operation of Soundview, and the outcome of his trial has no bearing on how Soundview operates,” he added.

    Alejandro Espada said he is in talks with several community health organizations interested in helping Soundview keep its doors open, but says state officials are scaring off potential partners.

    Article source: http://www.nydailynews.com/new-york/bronx/health-dept-serves-formal-notice-pedro-espada-jr-bronx-health-center-shut-article-1.1081046


  5. Florida Catholic school considers dropping student health plan, on heels of Ohio decision

    May 19, 2012 by admin

    On the heels of an Ohio school’s decision to abandon its student health insurance plan, another Catholic university in Florida is considering whether to follow suit over concerns about premium costs associated with the federal health care overhaul, FoxNews.com has learned. 

    The school, the private Ave Maria University, is voicing both moral and economic concerns.

    Like Franciscan University — the Steubenville, Ohio, school that just announced it is dropping student coverage — Ave Maria officials are opposed to the so-called contraceptive coverage mandate. But for both schools, premium costs associated with new coverage requirements appear to be fueling their anxiety. 

    “We’re studying it right now,” Ave Maria University President James Towey told FoxNews.com. “My own sense is, I don’t see … how it makes sense for us to stay in this.” 

    University officials plan to meet Monday to discuss their insurance options and potentially make a decision. 

    Towey said the school’s insurance provider told them that students would be looking at a premium increase ranging from 65 to 82 percent in the coming year if no changes are made. 

    “At a minimum, we’ve got to communicate to students on why they’re going to see a huge spike in insurance,” Towey said. He added, though, “we just might get out of this business.” 

    The expected premium increases apparently stem from a requirement in the health care law to restrict annual limits on insurance policies. The change for student plans is expected to be phased in, but the first stage will still require coverage limits to be at least $100,000 – a number that would rise sharply from there in the coming years. 

    The reason this change could affect colleges dramatically is that some schools don’t exactly offer comprehensive insurance coverage. So new coverage requirements — as seen with Franciscan and now Ave Maria — can cause a big jump in premiums. 

    Towey noted that a lot of students are covered by their parents’ plans, but not all. “Parents who don’t have a health plan — then these students are out there,” he said. 

    Franciscan, which already made the decision to drop student coverage, claims to have been in the same boat. It’s unclear how many other schools might follow suit. 

    FoxNews.com reached out to a number of other religious-affiliated colleges, which either did not confirm their plans for student coverage or said they did not plan on dropping it. 

    Victor Nakas, a spokesman for The Catholic University of America, said the school “has no plans to drop its student medical insurance plan.”                      

    Nick Alexopulos, spokesman with Loyola University Maryland, also said, “we are not considering dropping our student health insurance plan.” He said the school continues “to monitor the situation as it unfolds.” 

    Towey is a former faith adviser for former President George W. Bush. His school is among those that, separately, are suing the Obama administration over the contraception mandate. 

    Towey said his school finds the mandate “repugnant,” but he expressed economic concerns regarding the expected premium increases. He said his school tried to shop around with other major insurers for alternatives, but “they wouldn’t even give us a quote.” 

    “These are the unintended consequences of what happens when you hastily pass a 1,000-page bill,” he said.

    Article source: http://www.foxnews.com/politics/2012/05/16/florida-catholic-university-considering-dropping-student-health-coverage/


  6. Supreme Court Health Care Ruling Could Mean Life Or Death For Some ‘Uninsurables’

    May 19, 2012 by admin

    WASHINGTON — Cancer patient Kathy Watson voted Republican in 2008 and believes the government has no right telling Americans to get health insurance. Nonetheless, she says she’d be dead if it weren’t for President Barack Obama’s health care law.

    Now the Florida small businesswoman is worried the Supreme Court will strike down her lifeline. Under the law, Watson and nearly 62,000 other “uninsurable” patients are getting coverage through a little-known program for people who have been turned away by insurance companies because of pre-existing medical conditions.

    “Without it, I would have been dead on March 2,” Watson said of the Pre-Existing Condition Insurance Plan, known as PCIP. That’s when she was hospitalized for a life-threatening respiratory infection.

    It’s not clear how the Supreme Court will rule on Obama’s law, but Watson’s case illustrates the potential impact of tying everything in the far-reaching legislation to the fate of one provision, the unprecedented requirement that most Americans carry health insurance.

    The law’s opponents say if that insurance mandate is found to be unconstitutional, the rest of the law should also go, since courts should not be picking and choosing policy. The administration defends the insurance requirement but says if the court decides to overturn it, most of the rest of the law should stay.

    State officials who administer the federal pre-existing condition plan in 27 states are trying to make fallback arrangements in case the law is invalidated and coverage suddenly terminates.

    “Some of these individuals are critically ill and are being treated for very serious illnesses, whether it be cancer or HIV-AIDS, and we feel a responsibility to them to do what we can to see they don’t lose access,” said Amie Goldman, who oversees PCIP in Wisconsin.

    Federal officials who administer the plan in the remaining 23 states and Washington, D.C., remain mum on what might happen there if the law is overturned.

    The White House line is that Obama is confident the Supreme Court will uphold the Affordable Care Act, and his administration therefore is making no contingency plans for a reversal. None of that sounds reassuring to Watson, who owns a medical transport service in rural north-central Florida.

    “It’s scary,” she said. “They need to look at this carefully because it is going to affect a lot of people with a lot of bad conditions who are not going to have any health care coverage.”

    Before PCIP, Watson had been uninsured since 2003, originally turned down because of elevated white blood cells. About three years ago, she was diagnosed with a chronic form of non-Hodgkin’s lymphoma, a cancer of the immune system. Unable to afford medications, she relied on the emergency room to treat flare-ups.

    She tried applying to a major insurance company for a small business plan for her and her employees, and was quickly rejected. Then she heard about PCIP.

    The temporary program is meant to serve as a patch until 2014, when the federal health care law will require insurers to accept all applicants, including cancer patients like Watson, regardless of medical history. The law’s controversial mandate for individuals to carry health insurance is related to that guaranteed acceptance provision. By forcing healthy people to buy insurance, it would help keep premiums in check.

    Initially, Watson could not afford the $800 monthly premium the government was asking for PCIP. High premiums are part of the reason the program has not attracted more people.

    But officials retooled to make coverage more affordable. Watson applied again and was accepted. She met the basic requirements: uninsured at least six months, turned away because of pre-existing conditions, having U.S. citizenship or legal residence. Her premium is $363.

    In March, Watson went to the emergency room with what she thought was pneumonia. She was admitted, and quarantined the next morning when tests showed she had an antibiotic-resistant bacterial infection, highly dangerous. She spent five days in intensive care.

    Without her PCIP coverage, Watson is convinced she would have been sent home from the emergency room after initial treatment to ease her shortness of breath.

    “I’m not a candidate for any for type of indigent program, and without insurance they would not have put me in ICU,” she said.

    “I would have gone into cardiac arrest and probably died,” she added. Emergency rooms must treat the uninsured, “but they are only required to get you stable. And then they release you and tell you to go to the health department.”

    A government report this year found that people in the pre-existing condition plan tended to be middle-aged patients with no access to employer coverage and with medical conditions that require continuous care. The top five diagnoses: cancer, heart disease, degenerative bone diseases, organ failure requiring a transplant and hemophilia.

    If the federal law is struck down, some state officials are considering taking the patients into their own, separate, state high-risk insurance pools. Wisconsin, for example, has decided that PCIP enrollees would be automatically accepted into its pool. But not all states have them. In the 35 that do, premiums would generally be higher, and there might be waiting periods.

    Republicans, including presidential candidate Mitt Romney, have long favored insurance pools for high-risk patients. And Congress could take emergency action to keep PCIP going. But no assurances have been offered. Michael Steel, a spokesman for House Speaker John Boehner, says Republicans are ready to work on “step-by-step, commonsense” approaches.

    Watson says she still disagrees with Obama’s requirement that individuals have health insurance, either through an employer, a government program or by purchasing their own plan. “I approve of some of it,” she said of the law, “I don’t approve of the mandatory … insurance.”

    But she doesn’t want to go back to depending on the emergency room.

    “I have no problem paying my insurance and paying my copays,” she said. “I just think I should have the right to purchase insurance.”

    ___

    Online:

    Pre-Existing Condition Insurance Plan: https://www.pcip.gov/

    Also on HuffPost:

    Article source: http://www.huffingtonpost.com/2012/05/17/supreme-court-health-care_n_1525120.html


  7. Catholic university drops student health insurance, cites ObamaCare

    May 18, 2012 by admin

    A Catholic university in Ohio said Tuesday it is being forced to end a student health insurance program over the Obama administration’s contraception mandate and costs associated with other provisions of the health care overhaul.

    Franciscan University in Steubenville, Ohio, said it has so far excluded contraceptive services and products from its health insurance policy for students and will not participate in a plan that “requires us to violate the consistent teachings of the Catholic Church on the sacredness of human life.”

    In its decision to drop coverage, the school cited the contraception mandate, but also a requirement that the maximum coverage amount be increased to $100,000 for policyholders — claiming that would have made premiums skyrocket. A university official told Fox News Radio the students’ basic $600 policy was going to double in cost in the fall and triple next year and that the school’s insurance provider said the increases were the result of the federal Patient Protection and Affordable Care Act. 

    “This is putting people in a position where they are having to choose between their faith and their morality, and now an unjust cost,” said Mike Hernon, the school’s vice president of advancement. “These sorts of regulations from the government are forcing our hand in a way that’s really wrong.”

    Hernon also told Fox News on Wednesday that the changes represented a “moral and economic injustice.” 

    “This is unconscionable,” he said. 

    Another consequence is full-time Franciscan undergraduates will no longer be required to carry health insurance, starting in the fall 2012 semester. However, the employee health insurance program will remain unchanged.

    “We encourage you to decide how you are going to provide for accidents or illnesses requiring visits to physicians, health clinics or the hospital emergency room while you are a student here,” the school said on its website.

    Students now will likely have to be covered through their parents’ policy, though the school says fewer than 200 of its students had been buying insurance from the university.

    Existing student plans expire Aug. 15, and the changes begin in the fall 2012 semester.

    The school said students playing intercollegiate sports and studying for a semester in Austria will be covered under different plans.

    The Obama administration continues to face a standoff by Catholic organizations opposed to its mandate that religious-based institutions like hospitals and universities provide birth control coverage in their insurance policies, though the administration said the cost could be shifted to the insurance companies for organizations with religious objections.

    The Catholic Church views use of contraceptives as morally wrong. Churches themselves already are exempt from the contraceptive coverage mandate.

    Fox News Radio’s Todd Starnes contributed to this report.

    Article source: http://www.foxnews.com/politics/2012/05/15/catholic-university-drops-student-health-insurance-cites-obamacare/


  8. Vertigo Goggles: Seeing your way to relief

    May 18, 2012 by admin


    People who have it say it’s like you’re a little tipsy, but a whole lot worse. Thirty-five percent of Americans over age 40 live with vestibular problems, disorders like vertigo that make their world spin out of control. Now patients are seeking relief with goggles.

    Cheryl Whalen’s world turned upside down three years ago when she suddenly began falling down uncontrollably.

    “I got real dizzy, I was blacking out, I couldn’t see. I’d try to do things like bend down, pick up something and I’d fall right to the floor,” said Whalen, a vertigo patient.

    Whalen had BPPV, the most common type of vertigo. It develops when a small piece of bone-like calcium breaks free and floats within the tube of the inner ear. It sends the brain confusing messages about your body’s position.

    “They can actually get into the fluid in the semicircular canal and as your head moves the particle moves too, it causes dizziness,” said Sue Stanfield, PT Vestibular Rehab Specialist at Banner Thunderbird Medicine.

    Now, a new treatment could help. Infrared goggles let therapists get a close-up view of Whalen’s eyes. They’re looking for small twitching motions that indicate vertigo and involvement with a tiny particle within the inner ear.

    A series of head positioning can trigger nystagmus, a twitching of the eye that tell therapists where the particles are. Once the nystagmus is found, the therapist performs a procedure called canalith repositioning to move the particle out of harm’s way.

    “So you are actually kind of rolling that particle through the fluid in the semicircular canal and then it will settle into the membrane area where it’s supposed to be,” Stanfield explained.

    Eighty percent of patients find success with the procedure. After several therapy sessions, Whalen became one of them. Now she’s back on her feet, without all the dizziness.

    Studies have shown that canalith repositioning therapy is safe and effective for treating patients with vertigo. For some patients, more than one session is needed to relieve symptoms. This therapy is generally covered by medical insurance.

    FOR MORE INFORMATION, CONTACT:
    Sue Stanfield, P.T
    (602) 865-5830
    Sue.stanfield@bannerhealth.com

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  9. Franciscan University Drops Entire Student Health Insurance Plan Over Birth Control Mandate

    May 17, 2012 by admin

    Franciscan University of Steubenville, a Catholic institution in Ohio, has decided to drop its entire student health insurance plan as of the fall semester 2012 because of the new federal rule requiring contraception coverage under most employee and student health policies. While a number of religious colleges have filed lawsuits over the birth control requirement, Franciscan is the first to get rid of its student health plan.

    “The Obama Administration has mandated that all health insurance plans must cover ‘women’s health services’ including contraception, sterilization, and abortion-causing medications as part of the Patient Protection and Affordable Care Act (PPACA),” the school announced on its website. “Up to this time, Franciscan University has specifically excluded these services and products from its student health insurance policy, and we will not participate in a plan that requires us to violate the consistent teachings of the Catholic Church on the sacredness of human life.”

    Therefore, the statement continued, the university will no longer offer student health insurance, require that all full-time undergrads have health insurance, or bill those students not covered under another plan for health insurance. The current plan expires on Aug. 15, 2012.

    The announcement is somewhat misleading. Under the new rule, Franciscan University would not have to pay for any student’s contraception. The administration carved out an exemption for religious organizations, including Catholic schools, that would require the insurance company itself to pay for the insured’s birth control coverage “directly and separately.” Nonprofit schools that don’t currently cover birth control can also qualify for a one-year transition period to comply with the new requirement.

    Further, the birth control mandate does not include any “abortion-causing medications.” Rather, it includes emergency contraception, which prevents pregnancy. But the U.S. Catholic bishops have frequently and publicly objected to the contraception coverage requirement based on the claim that it includes “abortifacients.”

    The university did not offer any alternatives to its nearly 3,000 undergraduate and graduate students, but it did suggest they begin looking for other ways to pay for health care.

    “We encourage you to decide how you are going to provide for accidents or illnesses requiring visits to physicians, health clinics, or the hospital emergency room while you are a student here,” the announcement said.

    Also on HuffPost:

    Article source: http://www.huffingtonpost.com/2012/05/15/franciscan-university-student-health-insurance-birth-control_n_1518678.html


  10. Health Insurance Infographics By HealthCompare Are Educating Today’s Consumers

    May 17, 2012 by admin

    HealthCompare, a health insurance comparison site, releases Infographics to help consumers understand complex data regarding health insurance difficulties.

    Orange, California (PRWEB) May 17, 2012

    HealthCompare, a nationally recognized health insurance comparison site, is releasing new tools in their attempt to help Americans who are in search of health insurance. HealthCompare, who consistently displays concern for consumers, asks visitors that come to their site to ask themselves a series of questions before attempting to find health insurance coverage. These questions are designed to help shoppers decipher what type of coverage is best for them in terms of cost and type of policy.

    The questions that HealthCompare encourages consumers to ask themselves are:

    What are the consumers current health care needs? Do they currently require medication? Does the consumer have a pre-existing condition? Or are they seeking to start a family in the near future?

    Does the financial state of the shopper allow for a lower deductible, thusly giving them a higher monthly premium? Or would having a high deductible (and therefore lower monthly premium) be more beneficial?

    Is the consumer’s physician a factor? If they prefer to continue seeing their doctor of choice, HealthCompare helps them decide what policies allow that.

    Are there any other health insurance options for the shopper, such as spouse or parent plan?

    Once consumers get their quotes, HealthCompare then helps them narrow their decisions by prompting them to ask further questions, like:

    How much will the policies being compared cost them from their pocket when considering deductibles, co-insurance, and co-pays?

    What will the policies being compared offer in terms of maximum out-of-pocket expense?

    Will the consumer’s office visits be covered?

    Do any of the policies up for comparison offer maternity?

    Is prescription drug coverage an option?

    How much will the consumer pay for emergency services and ambulances?

    Will the current primary physician and local hospitals be accepted under any of the policies being considered?

    Health insurance costs are much more involved than mere premiums and buyers must carefully consider all out of pocket expenses to understand what their policies will ultimately cost them.

    Infographics are unique graphics that are growing in popularity across the web are known for utilizing images and colors to help make complex data from scientific reports, demographics, and studies to make them more easily understood by the casual reader. Reports such as the ones used in scientific studies often use jargon and unnecessary language that makes deciphering results difficult for those without the background for these terms. Infographics compress and compile numbers and meanings into aesthetically pleasing arrangements that illustrate rather than tell. They can also functionally layout arguments for debates, complex concepts or any other topic that could otherwise be considered difficult to understand.

    These new graphics explain hardships that can effect consumers when it comes to medical coverage. HealthCompare is nationally recognized for caring about patient knowledge and choice. They want consumers to understand as much as possible when it comes to making decisions regarding coverage that suits their needs.

    The infographics released are:

    Not All Health Insurance Comparisons Are Created Equal – Designed to illustrate how ineffective a poorly prepared quote and comparison can be

    Why Is Health Insurance For Self-Employed Necessary – Designed to explain why self-employed people cannot afford to skip health insurance

    Individual PPO Vs. Traditional Policies – Designed to illustrate the differences and similarities between PPOs and “traditional” policies

    Where Can Consumers Find Affordable Medical Insurance – Designed to explain how to find affordable medical insurance

    What is Private Health Insurance – Designed to educate consumers on what private health insurance actually means

    More infographics can be found here.

    About Health Compare: HealthCompare was launched in 2009 to work with brokers and carriers to help individuals and families easily research, compare, buy, and enroll in the right health insurance plan at the right price. Based in Orange, Calif., it delivers accurate, customized, health insurance quotes for the country’s diverse population.

    Through a unique partnership with its sister company, CONEXIS, HealthCompare has the ability to quickly reach thousands of COBRA-qualifying consumers and provide them with COBRA alternatives at the moment they become eligible for COBRA benefits. This provides these consumers with an opportunity to enroll in individual or family plans and potentially save hundreds to thousands of dollars on COBRA premiums and, at the same time, rewards referring brokers with referral fee income for the life of each policy.

    For more information, visit http://healthcompare.org/ or call 888.748.5152.

    For the original version on PRWeb visit: http://www.prweb.com/releases/prweb2012/5/prweb9508062.htm

    Article source: http://www.chron.com/business/press-releases/article/Health-Insurance-Infographics-By-HealthCompare-3564542.php