Two Minute Blog

Costs For Routine Colonoscopies and Who Pays? It Can Be A Real Pain… In the Pocketbook.

We’ve seen quite a spike recently in the number of claims issues clients’ employees are reporting related to the coverage of colonoscopies.  The problem almost always centers on billing for the service and payment of the claim.  Many employees report that they are being forced to pay out-of-pocket for colonoscopies that they believe should be fully covered under preventive care benefits.

Questions about Obamacare and Tax Season?

Here’s Some Info To Help…

If an employee (and others in their respective tax household) had health coverage for the entire year (employer sponsored, individual plan, Medicare, Medicaid, etc.,) they’ll only need to simply check the box on line 61 of Form 1040, line 38 of Form 1040-A, or line 11 of Form 1040-EZ and they’re done.

More on the Impact of Anthem’s Data Breach

And What’s Being Done to Protect Those Affected…

After attending a meeting, corresponding with an Anthem representative, and monitoring their website for updates, here’s more information on who’s at risk from the recent cyber attack and what steps Anthem is taking to control the potential harm to those whose data was compromised:

Anthem’s Data Breach: What you should know and what we are doing about it.

As you likely already know, Anthem’s database was recently hacked. It appears that nearly all Anthem product lines were impacted. Anthem, the country’s 2nd largest health insurance carrier, reports that member information for some 80 million individuals may have been compromised in the attack. We should assume that all current and former Anthem customers are vulnerable and may have been affected.

Those Anthem plans and brands directly impacted include Anthem Blue CrossAnthem Blue Cross and Blue ShieldBlue Cross and Blue Shield of GeorgiaEmpire Blue Cross and Blue ShieldAmerigroupCaremoreUnicareHealthlink and DeCare.

Want the Key to Controlling Your Personal Health Spending?

Healthcare consumerism is good. We should all work to get better at it. Transparency tools that are provided by the carriers and by innovative up and comers like CareTrader can be quite helpful. We should take advantage of these tools and use them wisely.

But, if you really want to control your personal healthcare spending, get the best bang for your healthcare buck and achieve the best possible medical outcome, your best bet is to PICK THE RIGHT DOC.

Why?

Lots of Medicare Questions From Employers and Employees This Year

…Here are the ABC’s (and Part D)

For whatever reason – aging workforce, increasing costs, heightened awareness because of ACA – we’re getting lots and lots of questions from clients and their employees about Medicare this year. Way more than in years past. The vast majority of questions are about the basics.

And, it’s easy to get confused about what’s what. So thought it might be helpful to put together a cheat sheet of sorts about the basics. Here’s a quick summary of the ABC’s (and Part D’s)…

Wolf in sheep’s clothing? Average rate increases on 2015 Obamacare plans

Moderate “average” rate increases for 2015 exchange plans over 2014 exchange plans have been widely reported in the press and elsewhere.  Well here’s another “not so fast my friend!”

Many folks who purchased ACA plans in 2014 on the exchange may be surprised when they get their January invoices.

Here’s how the wolf disguised as sheep reference plays out.

The “average rate increases” (increases spread across all plans offered without regard to market share) that some experts are proclaiming and the media is reporting are masking a more practical barometer of how policyholders are impacted.

Trick or Treat…which do you prefer in your healthcare?

For a little Halloween fun, I’ve compiled a few articles that have to do with healthcare tricks and treats. All related to Obamacare, or the Affordable Healthcare Act, of course…

Trick: Gov. Kasich’s four Obamacare tricks by Washington Examiner

Treat: Ebola: Obamacare’s ultimate pre-existing condition by The Fiscal Times

Trick: Government close to closing loophole that lets employers offer substandard insurance by The Washington Post

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