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Tag: Insurance: Misc.

Association health plans will provide small businesses with more choices

Association Health Plans Can Help Small Businesses Offer Coverage

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But AHPs may undermine ACA marketplace, as they are not required to comply with ACA regulations
Workers in small firms are more likely to have higher deductible levels and lack employer contributions to help pay for out-of-pocket expenses compared to workers in larger firms

Advantages for HDHP Enrollees in Large Versus Small Firms

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More than twice as many HDHP enrollees in small versus large firms lack employer-funded accounts
Knowing payer policies and regulatory requirements is critical to appealing denials

Experts Offer Tips for Provider Appeal of Denied Medical Claims

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Recommendations include asking for exceptions to payer policies and citing regulatory information
Underinsured and never insured adults are more likely than adequately insured adults to report poor/fair health and frequent mental distress

Insurance Status Tied to Higher Self-Perceived Poor/Fair Health

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Underinsured and never insured adults more likely to report poor/fair health
There is considerable variation in specialty drug coverage across commercial health plans

Variation in Specialty Drug Coverage Across Health Plans

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Plans restrict coverage of drugs indicated for cancer less often than drugs indicated for other diseases
There are large coverage gaps in short-term health plans that were approved Wednesday by the Trump administration

New Short-Term Health Plans Have Large Coverage Gaps

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Plans don't have to cover existing medical conditions, provide limited benefits
Interruptions in private health insurance coverage are common among U.S. adults with type 1 diabetes and are associated with an increase in glycated hemoglobin and in use of acute care services

Health Coverage Interruptions Common in Adults With T1DM

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Use of acute care service five-fold higher after interruption in insurance versus before interruption
Insurance companies sometimes underpay doctors the contracted amount for a service or procedure

Insurers May Be Underpaying Doctors

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Practices need to incorporate efforts to double check reimbursement against contracts
Insurers are increasingly denying prescriptions of direct-acting antiviral drugs for hepatitis C virus treatment

One-Third of Hep C Rx Receive Absolute Denial From Insurers

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Both private and public insurers continue to deny coverage for drugs at high rates
Reducing public insurance (Medicaid and the Children's Health Insurance Program) income eligibility limits would result in large numbers of newly ineligible pediatric hospitalizations

Cutting Insurance Eligibility Ups Peds Hospitalization Cost Burden

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Reducing public insurance eligibility limits would raise numbers of ineligible pediatric hospitalizations