Download or read book Health Insurance Rate Review written by John Aloysius Cogan Jr. and published by . This book was released on 2016 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Affordable Care Act's health insurance rate review process has been touted by government officials and consumer advocates as an effective tool to control rising health insurance premiums. This Article argues that the current rate review process is limited in its ability to lower health insurance costs as it does not address the primary driver of rising premiums -- the excessive prices paid by health insurers to healthcare providers. The efficacy of the Act's rate review process is further diminished by two additional factors: (1) a retrospective medical loss ratio requirement that pressures insurers to lower administrative costs prior to rate review, and (2) the limited scope of the new rate review requirements. Nevertheless, this Article does not advocate abandoning health insurance rate review. Instead, this Article contends that health insurance rate review holds great potential to control healthcare costs and hold down premium increases if it is modified from its present form, created to address century-old insurance market defects, to be a more dynamic process that gives state insurance commissioners the authority to correct market failures in the healthcare industry that drive up the prices insurers pay for the healthcare services we consume.
Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Download or read book Private Health Insurance Premiums and Rate Reviews written by Mark Newsom and published by DIANE Publishing. This book was released on 2011-04 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health insur. premiums (HIP) have been trending up, while the value of coverage has trended down. Both admin. and medical costs continue to rise, but the rate of growth in these expenses slowed between 2008 and 2009. The rise in medical costs is primarily attributable to the price of services, not increased utilization. This report provides an overview of the concepts, regulation, and public data regarding private HIP. Contents of this report: (1) Intro.; (2) Drivers of HIP Increases: Health Benefits Exp.; Unit Prices; Health Service Utilization; Admin. Costs; Health Insur. Co. Profits; The Underwriting Cycle; (3) Review of Health Insur. Rates: State Rate Filing and Reviews; Fed. Reforms Affecting HIP. Charts and tables. A print on demand report.
Download or read book Coverage Matters written by Institute of Medicine and published by National Academies Press. This book was released on 2001-10-27 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.
Download or read book Consumer Guide to Health Insurance Rate Review in Oregon written by and published by . This book was released on 2014 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Oregon s Health Insurance Rate Review Process written by Janet L. Kaminski Leduc and published by . This book was released on 2011 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Discusses Oregon's health insurance rate review process and whether state law requires public hearings as part of the process.
Download or read book Health Insurance Rate Review Standards in Vermont written by Alex Reger and published by . This book was released on 2017 with total page 2 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discusses Vermont's health insurance rate review standards.
Download or read book Health Reform and Health Insurance Premiums Empowering States to Serve Consumers S Hrg 112 859 August 2 2011 112 1 Hearing written by and published by . This book was released on 2014 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Consumer s Guide to Health Insurance Rate Review in North Carolina written by and published by . This book was released on 2022 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Includes FAQs on premiums, claims and rates associated with enrolling and maintaining health insurance in North Carolina.
Download or read book Connecticut s Health Insurance Rate Review Requirements written by Janet L. Kaminski Leduc and published by . This book was released on 2018 with total page 4 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discusses Connecticut's statutory rate review requirements for individual and group health insurance policies. Updates OLR research report 2010-R-0507.
Download or read book Patient Protection and Affordable Care ACT Health Insurance Market Rules Rate Review Us Department of Health and Human Services Regulation Hhs 2018 Edition written by The Law The Law Library and published by Createspace Independent Publishing Platform. This book was released on 2018-11-10 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Patient Protection and Affordable Care Act - Health Insurance Market Rules - Rate Review (US Department of Health and Human Services Regulation) (HHS) (2018 Edition) The Law Library presents the complete text of the Patient Protection and Affordable Care Act - Health Insurance Market Rules - Rate Review (US Department of Health and Human Services Regulation) (HHS) (2018 Edition). Updated as of May 29, 2018 This final rule implements provisions related to fair health insurance premiums, guaranteed availability, guaranteed renewability, single risk pools, and catastrophic plans, consistent with title I of the Patient Protection and Affordable Care Act, as amended by the Health Care and Education Reconciliation Act of 2010, referred to collectively as the Affordable Care Act. The final rule clarifies the approach used to enforce the applicable requirements of the Affordable Care Act with respect to health insurance issuers and group health plans that are non-federal governmental plans. This final rule also amends the standards for health insurance issuers and states regarding reporting, utilization, and collection of data under the federal rate review program, and revises the timeline for states to propose state-specific thresholds for review and approval by the Centers for Medicare & Medicaid Services (CMS). This book contains: - The complete text of the Patient Protection and Affordable Care Act - Health Insurance Market Rules - Rate Review (US Department of Health and Human Services Regulation) (HHS) (2018 Edition) - A table of contents with the page number of each section
Download or read book Individual and Small Group Market Health Insurance Rate Review and Disclosure State and Federal Roles After PPACA written by and published by . This book was released on 2011 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Health Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
Download or read book Private Health Insurance Premiums and Rate Reviews written by and published by . This book was released on 2011 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Health Insurance Rate Review written by and published by . This book was released on 2011 with total page 2 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Private Health Insurance written by U.s. Government Accountability Office and published by . This book was released on 2017-08-17 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt: "As premiums increasing for privatehealth insurance, questions have beenraised about the extent to whichincreases are justified. Oversight of theprivate health insurance industry isprimarily the responsibility of states. In2010, the Patient Protection andAffordable Care Act required theDepartment of Health and HumanServices (HHS) to award grants toassist states in their oversight ofpremium rates. GAO was asked toprovide information on state oversightof premium rates. In this report, GAOdescribes (1) states' practices foroverseeing health insurance premiumrates in 2010, including the outcomesof premium rate reviews; and(2) changes that states that receivedHHS rate review grants have begunmaking to enhance their oversight ofpremium rates.GAO surveyed officials from insurancedepartments in 50 states and theDistrict of Columbia (referred to asstates) about their practices foroverseeing premium rates in 2010 andchanges they have begun making toenhance their oversight. GAO receivedresponses from all but one state. GAOalso interviewed officials fromCalifornia, Illinois, Maine, Michigan,and Texas to gather additionalinformation on state practices. GAOselected these states based ondifferences in their authority to overseepremium rates, and proposed changesto their oversight, their size, and theirgeographic location. GAO alsointerviewed officials from advocacygroups and two large carriers to..."
Download or read book Health Care Financing Review written by and published by . This book was released on 2002 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt:
