Georgia health insurance discussions continue regarding a possible veto of a bill that would apply state prompt-pay requirements to self-funded health plans. The Governor has until June 8th to sign the legislation. In addition, a hearing has been scheduled for June 10th by the Georgia Insurance Department to discuss federal health care reform.
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The legislature adjourned for 2010 after a number of negative Georgia health insurance bills were defeated, including a proposed tax on health plans and restrictions on rental networks. Among the legislation that did pass was, most significantly, a bill that would apply state prompt-pay laws to self-funded plans. The bill also contains an extension of time for payment of paper claims and a compliance threshold of 95 percent before any fines are imposed. Several interested parties, including Aetna, are working with the Governor’s office to encourage a veto of the bill, but this is unlikely.
In the new health insurance reform law the states are permitted to create their own high risk pools, expand existing pools, or allow the federal government to create and administer the pools for them.
The following states will operate their own pools:
Alaska, Arkansas, California, Colorado, Connecticut, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Missouri, Montana, New Hampshire, New Jersey, New
Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Vermont, Washington, West Virginia, Wisconsin, and District of Columbia.
The following states will allow the federal government to create and manage the pools:
Alabama, Delaware, Georgia, Hawaii, Idaho, Indiana, Louisiana, Minnesota, Mississippi, Nebraska, Nevada, North Dakota, South Carolina, Tennessee, Texas, Virginia, and Wyoming.
As lawmakers returned to Washington this week, Republicans affirmed their commitment to repealing the health care reform legislation, while Democrats continued to campaign on the health care reform law’s merits. Meanwhile, President Obama stepped up his efforts to energize his core supporters by capitalizing on health care reform.
Health Care Reform
New Health Care Reform Law Means Tax Increase for Middle Class: According to a report recently received by congressional staffers, the new health care reform law will result in higher taxes for approximately 14.7 million middle class Americans. Taxpayers can currently deduct medical expenses in excess of 7.5 percent of their adjusted gross income (AGI). Starting in 2013, most taxpayers will only be able to deduct expenses greater than 10 percent of AGI. By limiting the medical expense deduction – a provision widely used by taxpayers who either have a serious illness or are older – the new law is expected to save billions of dollars. However, according to the Joint Committee on Taxation, those taxpayers earning less than $200,000 a year will pay roughly $3.9 billion more in taxes in 2019 alone because of the new limits for this deduction.
Members of Congress Baffled by Health Care Reform Provisions: According to the Congressional Research Service, the new health care reform law may have serious unintended consequences for members of Congress and their employees. Due to ambiguous and confusing language, members of Congress and their staff members may lose access to the Federal Employees Health Benefits Program, effective immediately. Rep. Jason Chaffetz (R-UT) said lawmakers were in the same boat as many Americans, trying to figure out what the new law meant for them. Congressman Chaffetz asked, “If members of Congress cannot explain how it’s going to work for them and their staff, how will they explain it to the rest of America?”
Additional Activities
Massachusetts Court Rejects Bid to Increase Premiums: Last month, insurance executives in Massachusetts attempted to increase their companies’ premiums by as much as 32 percent,
citing the expected rise in medical costs associated with insuring individuals and small group customers in Massachusetts. Insurance Commissioner Joseph Murphy rejected the proposals,
citing the increases as “excessive.” As a result, representatives from six of the insurance companies sued, claiming the state does not have the authority to cap premiums. On Monday,
a Superior Court Judge in Suffolk County ruled against the insurance providers on procedural grounds for not exhausting all administrative remedies within the Department of Insurance
before seeking legal intervention.
Unemployment Benefits Extended Again: On Monday, Senate Democrats advanced a measure temporarily extending the unemployment benefits that expired during the recent two-week congressional recess. Democrats achieved cloture (the only formal procedure that Senate rules provide for breaking a filibuster) with 4 key Republican votes in the Senate. The $9.2 billion bill would extend long-term unemployment benefits along with COBRA health care subsidies for unemployed Americans. It would also extend an annual increase in payments to doctors who treat Medicare patients. The unemployment benefits and health care subsidies will continue until May 5, while the other changes will expire on April 30.
The Senate’s action late Monday set the stage for a final vote on the legislation. On Thursday evening, the bill passed 59-38 , and the measure was sent back to the House, which was expected to vote and send it to President Obama for his signature.
Another State Joins Lawsuit Against Health Care Reform Bill: This week, Georgia Governor Sonny Perdue appointed a special assistant attorney general to lead the state’s challenge against the health care reform law. Georgia joins 18 other states in alleging that the new law infringes on Americans’ Constitutional rights by mandating that individuals purchase health care coverage or pay a penalty. Frank Jones, the state’s pro bono special assistant attorney general, will represent the State of Georgia and join the multiparty lawsuit filed on March 23 in a federal court in Florida. Other states in the suit include Alabama, Arizona, Colorado, Florida, Idaho, Indiana, Louisiana, Michigan, Mississippi, Nebraska, Nevada, North Dakota, Pennsylvania, South Carolina, South Dakota, Texas, Utah and Washington.
Insurance Commissioner Won’t Comply with Law: Also in Georgia, Insurance Commissioner John Oxendine refused a request from the U.S. Department of Health and Human Services to create a pool for high risk insurance plans. His decision to opt out of creating a high risk pool will not affect the cost of insurance for any patients. However, the federal government, instead of the state, will oversee the distribution of certain federal health care funds in Georgia health insurance to ensure that high risk patients receive subsidized premiums on health insurance.
Chairman Waxman Cancels Hearing: House Energy and Commerce Committee Chairman Henry Waxman (D-CA) issued a statement on Wednesday cancelling a hearing called to listen to concerns from major corporations about how they will be impacted by the health care reform bill. Over the past few weeks, several company executives contacted Chairman Waxman and expressed their feelings that the new law may ease their costs if it is implemented properly. Companies like AT&T, Verizon and Caterpillar made news last month when they informed investors they would need to take billions of dollars in write-downs because of changes in how health care subsidies will be taxed.
Public Opinion
Polls this week show that the number of Americans favoring repeal of the health care reform law continues to rise following the law’s enactment. At the same time, President Obama’s
job approval ratings have slipped since passage of health care reform.
More Americans Strongly Favor Repeal: In a recent Rasmussen report, 58 percent of Americans – up 4 points from last week – support repealing the new health care reform law. Further, 52 percent of likely voters continue to feel the legislation is bad for the country.
Similar results were found in a new study conducted by Indiana University. Researchers at the Center for Health Policy and Professionalism Research found that 58 percent of Americans are in favor of repealing the health care legislation.
Obama’s Approval Ratings Slip: In a recent AP/Gfk poll, 52 percent of Americans said they disapprove of the way President Obama is handling health care reform, up 6 points since last month. At the same time, 50 percent disapprove of his performance overall, which is up from 46 percent just a month ago.
Looking Ahead
As lawmakers shift their attention to debating financial reform and climate change legislation, President Obama continues to travel the country to discuss with Americans the details
of the new health care reform legislation.
Republicans in Georgia are continuing fight against health insurance reform passed by the Democratic Congress.
State Insurance Commissioner John Oxendine announced on Monday that the state will not participate in a $5 billion temporary high risk Georgia health insurance pool established under the new law.
Oxendine is concerned that the financial burden of this program will fall into the lap of tax paying residents. Georgia is also among the 19 states that have questioned the constitutionality of the new law and is currently in battle with the federal government through the U.S. court system. They have filed a lawsuit claiming the federal government doesn’t have the right to require individual, family, and businesses to buy health insurance.
Effective July 1, 2010, Aetna health insurance will conduct a Uniform Modification of Coverage (UMC) for multiple individual pre-65 plans in Georgia health insurance. During this UMC, members will be transitioned to another plan with different benefits and a moderate rate increase.
Why the change?
After evaluating several alternatives, it was decided that benefit changes coupled with a moderate rate increase, would be more favorable to Aetna health insurance members than a greater rate increase and no change in benefits. This UMC will stabilize rates for the year, help
to minimize future rate increases and allow these Georgia health insurance members to maintain an attractive
level of benefits.Members will receive letters regarding their plan and benefit changes the week of April 23rd.
For individuals who are still in a rate guarantee period as of July 1, 2010, the modification of coverage will take place on the date their rate guarantee period ends. At the same time they will receive new premium rates for the coverage. .
How will this UMC affect members?
Members currently enrolled in one of the above plans will be automatically enrolled into a new plan unless they choose a different plan option. Members can request to move into a
different plan calling Easy To Insure ME at 866-492-3905.
The growing percentage of American children who are overweight or obese is getting larger every year and has been for decades. Over 33% of children have a body mass index that is over the normal average. Southeast states tend to have the highest rates of over weight children. This includes Mississippi health insurance, Arkansas health insurance, Georgia health insurance, Kentucky health insurance, and Tennessee health insurance.
Some of the biggest factors leading to over weight children are having a television in the bedroom, having one parent, and living in a neighborhood without a park or playground near by.
Georgia health insurance quotes are very easy to obtain and there are certain questions you should ask yourself and your advisor when searching. Figure out the coverage you would like to have for individual and family. Make a checklist to make sure the plan you like meets all of your qualifying needs. An example of this for me is, doctor copays, emergency rooms copays, annual exam copays, and prescription copays. The deductible is also a major factor, but should be chosen very carefully as it directly determines the monthly price of your Georgia health insurance quotes.
You will need to have some specific information when applying for Georgia health insurance for all people applying. A poor or incorrect application can lead to a long and aggravating application process. With a properly completed application you will have no problems and should be approved within a few days.
Before you can get Georgia health insurance coverage you need to learn it too. Here are some common terms that have been explained to help you understand the coverage and benefits.
- Coinsurance is the amount of money you will be required to pay for health care after you have satisfied your yearly deductible.
- A copay is a set fee that you pay every time you receive health care by visiting the doctor’s office. After the set fee is paid, your Georgia health insurance carrier will pay the rest.
- A deductible is the amount of money you are required to pay per year before the plan pays 100% for all benefits.
- The premium for Georgia health insurance is how much money you pay every month to be able to use the benefits of the plan.
Now that you have been educated about Georgia health insurance. Try shopping for plans at Easy To Insure ME. You can shop all carriers in seconds, online.
Georgia health insurance offers many of the countries best rated carriers. In total there are over three hundred plans to choose from. Therefore, making the best choice can be a little tricky for individual and families.
Before searching for Georgia health insurance quotes on Easy To Insure ME, think about what you want in your plan. Many plans do offer copays for most services and the deductible is only for major things like inpatient hospital care, lab, and x-ray. Lab and x-ray will be covered during your annual exams for a copay. So, in actuality your only dilemma is really the affordability. Which deductible should you choose to have an affordable premium?
There is only one way to see what is going to be affordable and that is by getting a Georgia health insurance quote on Easy To Insure ME.

