Members of Western Health Advantage (WHA) have been notified that beginning in 2018 they will no longer be able to have a UC Davis Medical Group doctor as their primary care physician. WHA has already started working with current members to transition to a new PCP with Mercy Medical Group, Hill Physicians, Woodland Clinic, or NorthBay Healthcare. However, if you don’t want to give up your UC Davis PCP and specialists, there are other health plans that UC Davis Medical Group will accept.
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Do You Want To Lower Health Care Insurance Premiums? Start With Mandatory Fee Schedules
Forcing either the health plans or the providers to post a list of costs for routine services is a very low impact way of adding consumer information to the health care market. The government is not telling the providers what they should charge. The government is not telling the health insurance companies what they should pay the providers. A law mandating a simple fee schedule like Kaiser Permanente has published will create price transparency and allow consumers to compare valuable health care cost information across a variety of health plans and providers. This will ultimately slow down the rate increases as providers compete not only on patient satisfaction, but on price as well.
Using Medi-Cal During A Union Strike To Keep Health Insurance
When a union goes on strike it can be difficult for union members and those trade members associated with the union to keep paying their health insurance premiums with either reduced or no income. There are options to maintaining health insurance if you know the rules of the health insurance game. These rules revolve around Special Enrollment Periods with the qualifying event of loss of coverage.
Medicare Advantage Health Plans As Blueprint For Replacing Affordable Care Act
The similarities between Medicare Advantage plan and the ACA plans through the Marketplace are straight forward. Individuals are enrolling in private ACA health insurance and the federal government is subsidizing part of the cost of the health insurance to make it affordable. One of the main differences is how the federal government reimburses the insurer. Medicare beneficiaries receive an indirect subsidy to purchase a Medicare Advantage plan according to county they live in and based on historical health care cost data. Individuals and families enrolling in a health plan through an Affordable Care Act exchange receive a subsidy based on their income.
Secretary Price Wants To Force Consumers To Pay Premiums On Cancelled Health Insurance
Under Secretary Price’s proposed rule, a health insurance company could deny coverage during the open enrollment period if the consumer had a health plan through the company in the prior year, but let the coverage lapse for non-payment. Before the consumer could enroll in the plan, the insurance company could demand payment for those months after the plan was terminated for non-payment.
How Are Health Insurance Premium Rates Determined?
Since the beginning of health care reform under President Obama there has been intense speculation about how the health insurance companies will react when setting rates for the various health plans they offer. Health insurance is not a commodity like wheat, oil, or pork bellies where the market place of buyers and sellers agree upon a price. While competition does impact the rates to a certain degree, health insurance prices are largely determined by the health care services to be covered, the cost of health care services, and the expected claims for those services within a geographical location where the plan is being offered.
Health Insurance For Fitness Buffs And Gym Owners
Now there is an alternative to traditional health insurance that is aimed at fitness buffs and gym owners. SHM FIT combines a health care expenses sharing group with a high deductible catastrophic health plan to offer health insurance premiums that may be less than traditional insurance.
Insurance Commissioner Slams Trump Executive Order On Obamacare
California Insurance Commissioner Dave Jones slammed President Trump’s Executive Order relaxing enforcement of the Affordable Care Acts provisions as potentially destabilizing to the health insurance market.
New Medi-Cal Estate Recovery Program Rules for 2017
The Department of Health Care Services has updated their Estate Recovery Program page to reflect the new rules ushered in with the passage of SB 833 in 2016. There had been some confusion as to who was actually subject to new Estate Recovery rules. Essentially, it all hinges on when the Medi-Cal beneficiary dies.
Everything You Wanted To Know About Medi-Cal, But Were Afraid To Ask
The Western Center On Law & Poverty has put together a comprehensive guide to the Medicaid program in California known as Medi-Cal. Published in March 2016, there are bound to be changes to many of Medi-Cal’s programs, conditions, and eligibility in 2017. Titled Getting and Keeping Health Coverage for Low-Income Californians: A Guide for Advocates is 375 pages long and covers many topics from eligibility, citizenship, enrollment, re-determination, and the variety of programs Medi-Cal offers such as Children’s Health Insurance Program, Medi-Cal Access Program (MCAP) for pregnant women.