With new regulations on #SurpriseBills expected to drop momentarily, a reminder that about 1 in 5 emergency visits results in an out-of-network charge, putting patients at risk of surprise bills healthsystemtracker.org/brief/an-exami…
Even for childbirth -- something patients have months to prepare for, and it's common for new parents to even go on TOURS of hospitals in preparation for -- 1 in 10 in-network hospitalizations comes with an out-of-network charge healthsystemtracker.org/brief/surprise…
Soon, most surprise billing practice should stop with implementation of the No Surprises Act.
But there are holes in these protections, particularly for ground ambulance rides (which are exactly the sort of situations patients feel powerless in). healthsystemtracker.org/brief/ground-a…
And, ICYMI, Krutika pulled together a helpful list of key questions to look out for in the #NoSurprisesAct rules. Some of these questions may be answered today, others in future rulemaking.
Some info in trickling in: Here are model disclosure notices for surprise billing patient protections and standard notice & consent documents under the No Surprises Act cms.gov/httpswwwcmsgov…
Hopefully patients read before they sign: "You shouldn’t sign this form if you didn’t have a choice of providers when receiving care. For example, if a doctor was assigned to you with no opportunity to make a change."
The interim final rule for the No Surprises Act includes ways for patients to opt out of these protections, but importantly says that providers cannot prompt patients to waive protections in circumstances where surprise bills are likely to occur
The rule also calls out insurers that deny emergency coverage based on final diagnosis as being in violation of the No Surprises Act and the ACA
There's still a question of whether and how these surprise bill protections will apply to urgent care facilities. The Biden Admin is seeking comment on whether patients tend to use urgent care in the same way they do free-standing ERs
For now, there isn't a timeline of when complaintants must file a complaint about a #SurpriseBill violation, but the Biden Administration is seeking comments on whether the complaining party should have to act within 90 or 180 days
Still making my way through the rule, but there is some good and bad news for patients in here:
The good includes that emergencies are defined broadly & retroactive ER coverage denial is no longer allowed.
The bad is that some patients might inadvertently sign away their rights
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2/ Under the House proposal, most of the ~14 million people buying on the individual market and the ~15 million uninsured people who could be on the ACA Marketplace would see lower ACA premiums. That savings could be used to get lower deductible plans, too.
3/ The House COVID Relief proposal would yield big savings for the older adults buying ACA Marketplace plans, particularly those above 4x the poverty rate (~$52k single income).
But the zero-premium low-deductible plans for low-income people are at least as big of a game changer
At her confirmation, #AmyConeyBarrett said the #ACA SCOTUS case is about severability.
That assumes the individual mandate is unconstitutional, and the question before the court is: 𝘾𝙖𝙣 𝙩𝙝𝙚 𝙧𝙚𝙨𝙩 𝙤𝙛 𝙩𝙝𝙚 𝘼𝘾𝘼 𝙨𝙩𝙞𝙡𝙡 𝙨𝙩𝙖𝙣𝙙?
The data shows it can... 1/9
2/ The individual mandate 𝗵𝗮𝗱 been seen as essential to the ACA’s individual market. The thought 𝗵𝗮𝗱 been, if people with #PreexistingConditons can get coverage, people would wait 'til they got sick to get insurance. This would drive up premiums and lead to a "death spiral"
3/ As anyone who has read the ACA knows, it’s a big piece of legislation. There’s a lot that has nothing to do with the individual mandate. Like calorie labeling, biosimilar approval, closing the Medicare donut hole. There was never a risk of a death spiral in Medicaid expansion.
Does Biden’s presidential win make the ACA (#Obamacare) more likely to survive tomorrow’s Supreme Court case?
Only marginally, and it would all come down to Georgia.
Here's why: (1/7)
2/ The Trump Admin is arguing in court that the ACA should be struck down. A Biden Admin would change positions to defend the law.
But the Trump admin’s exit has no effect on the plaintiffs in the case – 18 Republican-led states + two individuals – who aren’t backing out
3/ There’s nothing administrative that Biden can do unilaterally as president to reverse the course of the ACA case. Biden can’t simply issue an executive order and make it go away. This case is now up to the largely conservative SCOTUS to decide.
NEW analysis: Rather than continuing to go without insurance, *4.2 million* uninsured people could get an #ACA bronze plan for FREE
We estimate 27% of uninsured potential Marketplace shoppers are eligible for a bronze plan with $0 premiums in 2019. kff.org/health-reform/…
In #Delaware, #Iowa, #Nebraska, and #Utah, almost 1 in 2 currently uninsured people who could be buying Marketplace coverage will be able to get a $0 bronze plan in 2019.
But, will they even know this is an option?
Bronze plans have high deductibles & many ppl are better off w/ Silver
But the math is simple: $0 bronze >> uninsured
Bronze plans have $0 preventive services, often a few Dr visits pre-deductible, & make it more likely to get non-emergency care even if you can't pay deductible
[THREAD] The U.S. spends more $$$ than any other country on health care, but gets worse health outcomes than similar countries.
We live shorter lives and have more disease burden. And the gap between the U.S. and other countries has grown.
Along with Jeffrey Selberg @PetersonCHealth, my @KaiserFamFound colleagues and I took a deep dive into the health system. We examined the last 25 years of health spending and outcomes in the U.S. vs similar countries. We look at dozens of indicators from a variety of data sources
U.S. health outcomes have improved, generally, over the past generation. In the past 25 years, life expectancy in the U.S. improved 4% and disease burden improved 12% (though both recently worsened a bit). Meanwhile, the share of our economy devoted to health increased by 40%
NEW Analysis: Among people with employer coverage, nearly 1 in 5 inpatient admissions includes a claim from an out-of-network provider, putting them at risk for potentially high out-of-pocket costs. healthsystemtracker.org/brief/an-analy…@PetersonCHealth
Even when enrollees choose in-network facilities, a meaningful share of inpatient admissions result in the patient receiving a claim from an out-of-network provider.
Emergency care is much more likely to include a claim from an out-of-network provider. This is true whether or not enrollees use in-network facilities.