Results tagged “health reform” from EdLabor Journal

Rep. George Miller, Chairman of the Education and Labor Committee, delivers his comments during the floor debate on H.R. 3962, the Affordable Health Care For America Act on November 7, 2009.



Rep. George Miller, Chairman of the Education and Labor Committee, delivers a rebuttal to the proposed Republican amendment during the floor debate on H.R. 3962, the Affordable Health Care For America Act, on November 7, 2009.

Big news yesterday as the nation's largest senior citizen group AND the nation's largest organization of doctors both offered support for the Affordable Health Care for America Act.

The Los Angeles Times reports:

The [AARP], which has been pushing for a health overhaul for more than a year, had withheld a formal endorsement of any of the healthcare bills being developed by congressional Democrats.

That endorsement was followed by an announcement at about 10 a.m. Pacific time from the American Medical Assn. in which the nation's largest doctors group voiced its support for the measure.

AARP Executive Vice President Nancy LeaMond said today that the group saw the House Democratic bill as the most promising proposal.

...

The AMA's support for the House bill comes ahead of a critical policymaking meeting of its House of Delegates in Houston that begins Saturday. The organization is being asked by some constituencies, at the eleventh hour, to back away from supporting healthcare reform.

"These bills go far beyond what is necessary to fix what is broken with our healthcare system, and they grant the federal government considerable new powers and authority, which could ultimately amount to a complete government takeover of healthcare, and which is anathema to doctors and patients," reads a resolution introduced by the American Assn. of Neurological Surgeons, the American Society of General Surgeons and the American Academy of Facial Plastic and Reconstructive Surgery. The resolution was also supported by AMA delegations from Georgia and Washington, D.C.

Learn why these groups and many, many others support the Affordable Health Care for America Act at our clearinghouse page.

Ezra Klein at the Washington Post passes along a new academic paper by MIT health economist Jon Gruber. Mr. Gruber has looked at the health care proposals being considered by Congress and has found that the reforms will lower insurance premiums.

One of those states is Massachusetts, which passed health-care reform similar to the one contemplated at the federal level in mid-2006. The major aspects of this reform took place in 2007, notably the introduction of large subsidies for low-income populations, a merged nongroup and small group insurance market, and a mandate on individuals to purchase health insurance. And the results have been an enormous reduction in the cost of nongroup insurance in the state: The average individual premium in the state fell from $8,537 at the end of 2006 to $5,143 in mid-2009, a 40 percent reduction, while the rest of the nation was seeing a 14 percent increase.

You can read the rest of Mr. Gruber's paper here.(MS Word document)

The New York Times ran an editorial on Saturday discussing individual mandates and affordability. It covers the key areas of:

• Why is a mandate necessary? [Those without coverage drive up costs for those with coverage]
  
• Will premiums go up or down? [They would go down]
  
• Will there be help? [Yes]
  
• What's affordable? [The House bill provides affordability tax credits for families of 4 up to $88,000]
• Has it been tried? [Yes, successfully]
  
• Which version is more affordable? [The House bill]
  

See the editorial for a complete explanation of how this would work and how it would improve access to quality, stable, affordable health care.

In another column today, E.J. Dionne correctly points out that, while the mandates and subsidies don't start until 2013, there are 14 benefits that start immediately.

That's why the most important document House Democrats released when they unveiled their bill last week was a list of 14 benefits that would be created immediately.

These include insurance reforms to ban lifetime limits on coverage and an end to "rescissions," under which insurers abruptly nullify patients' policies after they file claims. One of the most popular reforms in the bill -- barring insurers from denying coverage to those with pre-existing conditions -- wouldn't take effect until later. So the House bill creates an interim high-risk pool to help those who need coverage in the meantime.

There are also particular benefits for Medicare recipients, including an immediate reduction in drug costs, and a very popular provision that would allow parents to keep their children on the family health plan through age 26.

Especially important are new investments in community health centers and in efforts to increase the number of primary care doctors. As millions more people get access to decent care, the system will have to provide more doctors, nurses and facilities to treat them.

"People will be excited about 2013," said Rep. George Miller, chairman of the House Education and Labor Committee, which shares jurisdiction on the health-care bill. "But there are enough benefits between now and then to keep them engaged and to keep them favorably disposed."

Learn more about the Affordable Health Care for America Act [H.R. 3962] and how reform will slow the growth in out-of-control costs, introduce competition into the health care marketplace to keep coverage affordable and insurers honest, protect people’s choices of doctors and health plans, and assure all Americans access to quality, stable, affordable health care.

This morning, Rep. George Miller published an op-ed in the Vacaville Reporter about the need for affordable health care for everyone. Below it is excerpted in its entirety.

Readers of this paper will know that, for much of this year, Congress and President Obama have grappled with one of the most important and complicated issues affecting our nation's economy and our community: health insurance reform.

I am proud to announce that on Thursday we introduced revised legislation that addresses many concerns raised about reform and brings us closer than ever to delivering on the long-held promise of quality and affordable health care for each of us.

I am a principal co-author of the bill.

Since three House committees passed a bill this summer, we have worked hard to incorporate changes and improvements suggested by people from across the political spectrum. Our revised bill directly addresses the needs of American families. It will:

• Not increase the deficit.
• Curb out-of-control costs that are bankrupting families and employers.
• Strengthen Medicare for seniors, in part by closing the prescription drug "donut hole" and by making the program sustainable for years to come.
• Protect people against discriminatory insurance company practices. We eliminate so-called "pre-existing" condition denials, stop insurance companies from dropping coverage if you get sick, and establish yearly caps on what you will pay out-of-pocket.
• Keep premiums affordable and insurance companies honest by ensuring competition in the health care marketplace through inclusion of a public consumer option. People in California will be able to choose from multiple private options, such as Blue Shield, Kaiser Permanente and others, or choose a public plan that offers the best quality at the best price -- just as they do on Expedia.
• Offer affordability credits to ensure that low-income and middle-class families can pay for coverage, and ensure that small businesses can actually help cover their employees.

One of the biggest concerns I heard throughout this process was about the bill's cost. Let me be clear: Our reforms are fully paid for and will not increase the federal deficit. In fact, our revised bill will reduce the deficit by at least $30 billion over the next 10 years.

The nonpartisan Congressional Budget Office estimates the cost of our reforms at $894 billion. More than half of this cost will be offset through a combination of savings generated by making Medicare and Medi-Cal more efficient and implementing new technology, but we do not cut services for seniors or low-income individuals. We improve care for people served by these critical programs.

The rest of the bill's costs are paid for by a surcharge on the wealthiest 0.3 percent of U.S. households-- married couples earning over $1 million dollars and individuals earning more than half a million dollars annually.

For the past 70 years, Americans have battled hard for the right to quality, affordable health care. While we still have hard work ahead, next week the House will vote on our truly historic legislation and get us closer than ever to achieving what generations of Americans have been fighting for.

For the first time in U.S. history, all Americans would have access to quality, affordable health care under updated health insurance reform legislation passed by the House on November 7, 2009, by a vote of 220-215.

The Affordable Health Care for America Act [H.R. 3962], which blends and updates the three versions of previous bills passed by the House committees of jurisdiction in July, embodies President Obama’s key goals for health reform. It will slow the growth in out-of-control costs, introduce competition into the health care marketplace to keep coverage affordable and insurers honest, protect people’s choices of doctors and health plans, and assure all Americans access to quality, stable, affordable health care.

The key components of the Affordable health Care for America Act include:

Increasing choice and competition. The bill will protect and improve consumers’ choices.

• If people like their current plans, they will be able to keep them.
• For individuals who aren’t currently covered by their employer, and some small businesses, the proposal will establish a new Health Insurance Exchange where consumers can comparison shop from a menu of affordable, quality health care options that will include private plans, health co-ops, and a new public health insurance option. The public health insurance option will play on a level playing field with private insurers, spurring additional competition.
• This Exchange will create competition based on quality and price that leads to better coverage and care. Patients and doctors will have control over decisions about their health care, instead of insurance companies.

Giving Americans peace of mind. The legislation will ensure that Americans have portable, secure health care coverage – so that they won’t lose care if their employer drops their plan or they lose their job.

• Every American who receives coverage through the Exchange will have a plan that includes standardized, comprehensive and quality health care benefits.
• It will end increases in premiums or denials of care based on pre-existing conditions, race, or gender, and strictly limit age rating.
• The proposal will also eliminate co-pays for preventive care, and cap out-of-pocket expensesto protects every American from bankruptcy.

Improving quality of care for every American. The legislation will ensure that Americans of all ages, from young children to retirees have access to greater quality of care by focusing on prevention, wellness, and strengthening programs that work.

• Guarantees that every child in America will have health care coverage that includes dental, hearing and vision benefits.
• Provides better preventive and wellness care. Every health care plan offered through the exchange and by employers after a grace period will cover preventive care at no cost to the patient.
• Increases the health care workforce to ensure that more doctors and nurses are available to provide quality care as more Americans get coverage.
• Strengthens Medicare and Medicaid and closes the Medicare Part D ‘donut hole’ so that seniors and low-income Americans receive better quality of care and see lower prescription drug costs and out-of-pocket expenses.

Ensuring shared responsibility. The bill will ensure that individuals, employers, and the federal government share responsibility for a quality and affordable health care system.

• Employers can continue offering coverage to workers, and those who choose not to offer coverage contribute a fee of eight percent of payroll.
• All individuals will generally be required to get coverage, either through their employer or the exchange, or pay a penalty of 2.5 percent of income, subject to a hardship exemption.
• The federal government will provide affordability credits, available on a sliding scale for low- and middle-income individuals and families to make premiums affordable and reduce cost-sharing.

Protecting consumers and reducing waste, fraud, and abuse. The legislation will put the interests of consumers first, protect them from problems in getting and keeping health care coverage, and reduce waste, fraud, and abuse.

• Provides transparency in plans in the Health Exchange so that consumers have the clear, complete information, in plain English, needed to select the plan that best meets their needs.
• Establishes consumer advocacy offices as part of the Exchange in order to protect consumers, answer questions, and assist with any problems related to their plans.
• Simplifies paperwork and other administrative burdens. Patients, doctors, nurses, insurance companies, providers, and employers will all encounter a streamlined, less confusing, more consumer friendly system.
• Increases funding of efforts to reduce waste, fraud and abuse; creates enhanced oversight of Medicare and Medicaid programs.

Reducing the deficit and ensuring the solvency of Medicare and Medicaid. The legislation will be entirely paid for – it will not add a dime to the deficit. It will also put Medicare and Medicaid on the path to a more fiscally sound future, so seniors and low-income Americans can continue to receive the quality health care benefits for years to come.

• Pays for the entire cost of the legislation though a combination of savings achieved by making Medicare and Medicaid more efficient – without cutting seniors’ benefits in any way – and  revenue generated from placing a surcharge the top 0.3 percent of all households in the U.S.(married couples with adjusted gross income of over $1,000,000) and other tax measures.
• The Congressional Budget estimates the bill will reduce the deficit by at least $100 billion over ten years.
• Estimates also show the bill will slow the rate of growth of the Medicare program from 6.6 percent annually to 5.3 percent annually.

Our health insurance reform effort is about two things: making insurance secure and affordable to those who have it, and ensuring access to affordable, quality coverage for those who don’t.

Too many Americans have to fight with insurance companies over basic care -- being excluded for pre-existing conditions, facing outrageous medical bills, or appealing again and again to have a much-needed procedure approved.  If you have had trouble with your insurance company, I’d like to hear about it.  This is too important, and we're too close to the finish line, to falter now -- your stories will help me make the case for real health insurance reform.


We have proposed specific and important insurance reforms to:  

• Guarantee that you will not be denied coverage based on a so-called pre-existing condition
• Limit out-of-pocket expenses to protect families from medical-related bankruptcy
• Make your insurance policy transparent so you know what you’re paying for
• Prevent insurance companies from dropping coverage when you get sick
• Prevent insurance companies from charging people different rates based on gender, health status, or occupation.

 
Our reforms would guarantee that your medical care is decided by you and your doctor, not insurance companies.  That’s the way it ought to be.

Tuesday was a jammed packed day for George Miller on health reform and college affordability. Starting at 9 am, he co-chaired a forum on health insurance reform, attended a Democratic Caucus on health care with President Obama’s senior advisor, held a rally with college students and Secretary of Education Arne Duncan on the Student Aid and Fiscal Responsibility Act (HR 3221), took calls with reporters and editorial boards across the country, and appeared before the House Rules Committee to get the bill on the House Floor.  The bill will be debated Wednesday and voted on Thursday.  It was a very good day for the interests of American consumers and families.

Below is a slideshow of his very busy day of action:

The Hidden Health Care Tax

This year, every insured American family will pay $1,017 -- and insured singles will pay $368 per year -- in insurance premiums just to cover the medical expenses of the uninsured. That's $42.7 billion this year - or $1,354 per second. This "Hidden Health Care Tax" is the undisclosed insurance premium surcharge, paid by America's businesses and insured Americans, that subsidizes the uncompensated health care costs of the uninsured.

So if you think reform will cost you more to cover the uninsured, you need to know you're paying more now.

America's Affordable Health Choices Act (HR 3200) will end the Hidden Health Care Tax and will reduce health care costs, protect and increase consumers' choices, and guarantee access to quality, affordable health care for all Americans.

Source: Families USA

The USA Today Editorial board wrote their view on health care: Dispute over ‘public option’ veers into fantasyland. They said this about the public option provision in the America’s Affordable Health Choices Act.

This entirely voluntary plan — that's why it's called an "option" — would bring some cost control to health care by applying government's purchasing power as leverage against medical providers and insurance companies. Yet the idea is cynically cast as a "government takeover of health care" — rhetoric worthy of the Mad Hatter.

The editorial board then points out a well-known fact that the government already pays a large percentage of health care costs and the cost of inaction would lead to health care costs consuming 25% of GDP in 2025.

The dirty secret of our health care system is that it already is dependent on government or, more precisely, government waste. More than 46% of all medical service in the USA, about $1 trillion annually, is paid for directly by taxpayers. Private insurers cover 42%, and the remainder is paid out of pocket. In addition to what government pays directly, it pumps in more than $200 billion a year in tax subsidies.

If Washington does nothing, this government role will only get a lot bigger as the population ages, providers hike prices and private coverage becomes increasingly unaffordable.

We encourage you to read the entire editorial and learn more about the America's Affordable Health Choices Act.

There has been an email going around with a line-by-line critique of HR 3200 - the America’s Affordable Health Choices Act. Unfortunately, they are not based in truth, but designed to scare recipients. The email is quite long, so for some of the most egregious distortions of the health insurance reform legislation, please visit the Pulitzer prize-winning fact check site run by The St. Petersburg Times. Please note the spelling is in the original e-mail.


Pg 22 of the HC Bill MANDATES the Govt will audit the books of ALL EMPLOYERS that self insure!!
 

• Page 22 of H.R. 3200 requests a study, not an audit, of the effects to which rating rules are likely to cause adverse selection in the large group market and employer self insurance market insurance market. This does not require an audit of ALL employers that self insure

Pg 30 Sec 123 of HC bill - THERE WILL BE A GOVT COMMITTEE that decides what treatments/benes u get

• Nothing in the bill infringes upon you and your doctor’s ability to make medical decisions.  The National Health Benefits Advisory Council is not a “government committee” but is made up of providers, consumer representatives, employers, labor, health insurance issuers, independent experts and representatives of government agencies.  They will make recommendations about minimum standards of care and covered benefits that insurance companies have to offer- ensuring that everyone has a health plan that provides them with adequate coverage. 

Pg 29 lines 4-16 in the HC bill - YOUR HEALTHCARE IS RATIONED!!!

• This is a misreading of the text.  This section limits the amount of out-of-pocket costs you will face to $5,000 for an individual and $10,000 (indexed to CPI) for a family for a basic package of care.  This ensures you have access to affordable care and won’t go bankrupt paying for it.

Pg 42 of HC Bill - The Health Choices Commissioner will choose UR HC Benefits 4 you. U have no choice!

• The Health Choices Commissioner is charged with ensuring insurance plans are meeting regulations and minimum standards as well as administering affordability credits and monitoring the exchange.  Nothing in this section or in the larger bill permits the Health Choices Commissioner to choose your benefits for you

PG 50 Section 152 in HC bill - HC will be provided 2 ALL non US citizens, illegal or otherwise

• This is blatantly false.  This section prohibits insurance companies from discriminating against persons when issuing coverage, and has nothing to do with government subsidized coverage to illegal immigrants.  The bill explicitly states that no Federal payments will be used for affordability credits for illegal immigrants.  (P. 143, sec. 246). 

Pg 58HC Bill - Govt will have real-time access 2 individuals' finances & a National ID Healthcard will be issued!

• This section says nothing about a National ID health card, or accessing your personal financial information.  This section promotes administrative simplification- for example being able to look up your insurance coverage and determine how much you will pay and which provider your insurance will accept, at the point of service.  This saves money and gives you, the consumer, information about what you will owe at the front end, rather than being denied or getting a surprise bill from your insurance company weeks after your treatment.
  

Pg 59 HC Bill lines 21-24 Govt will have direct access 2 ur banks accts 4 elect. funds transfer

• This section encourages the development of standards to encourage electronic payments between providers and insurance companies.  Administrative simplification measures like these save billions of dollars.  Nothing will give the government access to your bank account.

PG 65 Sec 164 is a payoff subsidized plan 4 retirees and their families in Unions & community orgs (ACORN).

• This section provides a limited reimbursement for participating employment-based private plans for part of the cost of providing health benefits to retirees (age 55-64) and their families.  People who have been forced into early retirement in this age group do not qualify for Medicare and this will help them stay on their employer provided, private insurance plan if their employer wants to participate.  Participation is voluntary. This is for all early retirees, and no language targets the provision towards unions or acorn.

Pg 72 Lines 8-14 Govt is creating an HC Exchange 2 bring priv HC plans under Govt control.

• The bill imposes new regulations on private health care plans that will force them to end unethical practices such as rescissions or denying coverage based on pre-existing conditions.  The Exchange will improve the quality of coverage and increase the affordability of private insurers in the Exchange.
  

PG 84 Sec 203 HC bill - Govt mandates ALL benefit pkgs 4 priv. HC plans in the Exchange

• Insurance companies in the Exchange will have to offer a basic benefit packages in every service area.  This package will include basic care such as hospitalization, physician visits, medical equipment, mental health, preventative care, maternity and well baby care, and drugs – services that anyone would expect a real insurance policy to cover.  Private insurers may offer a higher tier of coverage with more benefits that are not mandated by the government if they choose.
  

PG 85 Line 7 HC Bill - Specs for of Benefit Levels for Plans = The Govt will ration ur Healthcare!

• No, this determines the minimum standards insurance companies must offer coverage for- it has nothing to do with rationing.  Private plans can offer extra benefits like dental or vision coverage for adults, or other non-covered benefits that are not included in the basic level plan.

PG 91 Lines 4-7 HC Bill - Govt mandates linguistic approp svcs. Example - Translation 4 illegal aliens

• The bill requires plans in the Exchange to offer culturally and linguistic appropriate services.  The U.S. is a diverse country culturally and linguistically.  Many legal residents and citizens of the U.S. speak other languages, and implying that everyone of a different culture in the U.S. is here illegally is intolerant and incorrect.  The bill explicitly states that it will not subsidize coverage for illegal immigrants.  (P. 143, sec. 246). 

Pg 95 HC Bill Lines 8-18 The Govt will use groups i.e., ACORN & Americorps 2 sign up indiv. for Govt HC plan
 

• The Health Choices Commissioner will conduct outreach and enrollment activities to educate Exchange-eligible individuals and businesses about enrollment in the new Exchange, which includes many private plans along with the public option.  This includes a toll-free hotline, maintenance of a website, creation of outreach materials, and community locations for enrollment.
  

PG 85 Line 7 HC Bill - Specs of Ben Levels 4 Plans. #AARP members - U Health care WILL b rationed

• This section has nothing to do with seniors or Medicare. It describes the minimum benefits insurance plans must offer under the Exchange.

Today U.S. Reps. Chris Van Hollen (D-MD) and George Miller (D-CA) highlighted the campaign of misinformation being waged by opponents of health insurance reform on a conference call with reporters today.  Independent fact check organizations have shown that opponents of health insurance reform have resorted to making outrageous and misleading claims about the America’s Affordable Health Choices Act (H.R. 3200), while refusing to engage in a meaningful debate on the policy of reform.

Learn more here.

BusinessWeek has a blog post about a Rand Corp study that shows rising health care costs lead to job losses. BusinessWeek says:

In a first-of-its-kind study, the non-profit Rand Corp linked the rapid growth in U.S. health care costs to job losses and lower output. The study, published online by the journal Health Services Research, gives weight to President Barack Obama’s dire warnings about the impact of rising costs if Congress does not enact health care reform.

The study found that economy-wide, a 10% increase in excess health care costs growth would result in about 120,800 fewer jobs, $28 billion in lost revenues, and $14 billion in lost GDP value. We encourage you to read the entire BusinessWeek post because it explains the methodology and reveals some additional findings.