Most of the homes that are most directly threatened by a fire at Folsom Lake are in Granite Bay and El Dorado Hills. There are only a few scattered homes above and around the Peninsula Campground. Ironically, it is the peninsula that has some of the best fire suppression features. There are more meadows with fewer trees. Fewer people visit the Peninsula Campground Park because it can be difficult to access, especially when towing a boat, from Highway 49. There are also wide dirt roads that act both as fire break and allow for fire trucks to reach areas burning. In contrast, large swaths of Folsom Park land in Granite Bay and El Dorado Hills have only small dirt footpaths with limited access for large fire trucks. There is more human activity in these areas as they are close to recreational access points.
One of the first changes consumers and agents will notice is under the information for household members. For the question of Sex (which should be gender), in addition to Male and Female, the drop down box will include Transgender: Male to Female and Transgender: Female to Male. While selecting the Sex is required, the Covered California application does not alert the consumer to the fact that rates are not based on gender AND you cannot be denied health insurance or receive a higher rate because you are transgender.
Within the 90 foot elevation change of the lake, it was proposed that all standing and down timber, brush over 6 feet high or with trunks greater than 2 inches in diameter would be cleared out. Trees whose height reached to 360 feet in elevation would be topped to 10 feet below the expected low water elevation.
But how does an enrolled individual in a standard Silver 70 plan, who is not eligible for the CSRs, feel about subsidizing lower income plan members? Could the argument be made that some individuals are paying an inflated premium, close to a Gold plan, but only receiving Silver plan level benefits? At a very minimum, the inflated Silver plan rates are a distortion of the health insurance market place. One of the goals of the ACA and the exchanges like Covered California was to bring more transparency and accountability to the health plan selection process for consumers. If the inflated Silver plan rates, along with artificially inflated subsidies, do become a reality, the market place for health insurance will take a step backwards as plan selection becomes more confusing for consumers.
By the time of the Army Corp report conducted its inventory most of the North Fork Ditch had been lined with concrete. Many of the appurtenances were also concrete such as wasteways, intake structures and sluice gates. Of the 37 flumes, 32 were constructed of timber and only 5 were metal. The timber flume construction allowed them to be built with small changes or bends in the direction to navigate around boulders and hillsides. The metal flumes, by contrast, were best adapted to spanning a small ravine in a straight line.
The RFI is not a serious attempt at gathering comments on how to stabilize the health insurance markets across the country. Trump and Price have already set in motion the slow dismantling of regulations that kept the ACA markets relatively stable. This is a thinly veiled attempt to generate regulation gutting suggestions that will further destroy meaningful health insurance for Americans. I can guarantee that any real suggestions that would work to contain health care costs, which are the real driver of ever escalating health insurance premiums, will be ignored.
First, let me clear that I support the concept of a single payer plan for health insurance coverage. It has worked relatively well for Medicare beneficiaries and a similar concept could be mirrored nationwide. However, proponents of Senate Bill 562, the single payer legislation, are long on promises and short on details. If we have learned anything from the launch of Covered California to serve as the market place for ACA health insurance it is that the best laid plans are far harder to execute than anyone could imagine.
This high level overview and will not address every situation that a Medicare beneficiary may find them self in. This short primer is meant help you understand the different parts of Medicare and how they work, or don’t work, together. The following information can also be found in the Medicare and You Handbook.
All of these events can cause a financial loss to families and companies. Sometimes the monetary loss is the ransom paid. Other times it is the loss of wages, productivity, and property or from the action of a threat. Events such as illegal detention can cause a loss. For example, a same-sex married couple travels to another country where being gay is a crime. A gay person may be detained just for unwittingly informing someone of their sexual orientation. The insurance would then be triggered under the illegal detention provision and resources would be devoted to extricating the person or family from the country where they are being detained.
In a certain sense, Covered California is no different than any other agent trying to enroll consumers and earn a monthly commission. I suppose there are other industries that must spend 1/3 of their forecasted revenue on marketing just to maintain their sales, but the percentage seems excessive on the face of it. You have to wonder how sustainable a business model is if spending 33% of the budget on marketing is necessary for survival. It also raises the question of if the exchange based model is the most efficient means of qualifying consumers for the Premium Tax Credit and distributing the subsidy.