Insurance

Latest California Healthline Stories

California Mandates 48 Specific Areas of Coverage

An analysis released yesterday by the California Health Benefits Review Program shows that a large cross-section of Californians  — about 32 million people —  will be covered by health care mandates passed by the Legislature. There are now 48 of those mandates that either require coverage or require an offer of coverage, and another five mandates that deal with more general terms and conditions of coverage.

That is not the final word on the number of mandates. CHBRP was asked to evaluate three more legislative bills recently that deal with mandated coverage of tobacco cessation, prescription drugs and children’s immunizations. In addition, some of the 16 bills the agency analyzed last year are up for approval this year. They include mandates ranging from mental health coverage to oral chemotherapy treatment.

State-passed mandates could have a financial impact on the health plans that need to cover those conditions and also may affect the list of essential health benefits offered by the California health benefit exchange.

More Uninsured Could Put Pressure on State

A UCLA Center for Health Policy Research report showed that 670,000 Californians lost employer-based health insurance in 2008 and 2009. That is a far cry from the earlier estimate of 2 million newly uninsured in the state. But what’s interesting about the new number, according to the report’s lead author Shana Lavarreda, is that it indicates that a new class of uninsured has been rising.

“The uninsured here is less and less an undocumented [worker] problem, and now it’s more of a Main Street problem,” Lavarreda said.

A majority — if not all — of those working-age Californians who lost coverage over that two-year period could have been considered residents of “Main Street.”

Making a Place for Small Businesses in Exchanges

Health insurance exchanges for small businesses are set to go online in 2014, alongside state-based exchanges for the individual market. Recent research shows that the success of the so-called Small-Business Health Options Program will be based on whether it can offer more plan choices and contain costs.

State Considers Coverage Mandates

The deadline to pass legislation left over from last year has come and gone, with single payer, insurance rate regulation and the basic health plan all temporarily halted. The next big legislative push is coming up fast, as all new bills for 2012 have to be introduced by the end of next week, on Feb. 24.

A number of health-related laws recently were passed by the state Senate or Assembly. Many of them call for coverage mandates by health insurance providers.

State Choices on Essential Benefits May Become More Complicated

Stakeholders are responding to HHS’ recent bulletin giving states a large hand in determining “essential health benefits” to be offered through insurance exchanges in 2014. In California, officials are trying to determine how to handle a growing list of state-mandated benefits within the exchanges.

Study: Uninsured Face Similar Debt as Medi-Cal Beneficiaries

More Californians are borrowing money to pay for health care services — and two-thirds of them have medical insurance, according to a new study by the UCLA Center for Health Policy Research.

“When you think you’re insured, you still end up paying a percentage and that adds up, into thousands of dollars,” report author Shana Alex Lavarreda  said. “So having insurance doesn’t mean you will have things paid for.”

Another surprising finding, Lavarreda said, is that uninsured Californians face a similar medical debt level to those who have insurance through Medi-Cal.

Few People Aware of Medical Review Program

It has been 11 years since California launched its Independent Medical Review program, an appeals process that allows Californians to challenge denial or delay of coverage by private health care insurers.

In the Capitol Building in Sacramento yesterday, a policy briefing laid out the findings of a new report on IMR that includes praise for its effectiveness and some recommendations on how to make the program stronger.

The briefing was sponsored by the California HealthCare Foundation, which commissioned the report and publishes California Healthline.

Personal Stories Highlight Oral Chemotherapy Bill

New legislation proposed by Assembly member Henry Perea (D-Fresno) would require health plans to provide chemotherapy in pill form, in some cases.

“This bill will provide greater access for oral chemotherapy treatment,” Perea said on the Assembly floor late last week. “This is the right thing to do, to allow people access to lifesaving drugs.”

Perea introduced the measure with his personal account of caring for his mother, who he said was diagnosed with stage 2 lung cancer just over a year ago. During the long, eight-hour chemo infusion in the hospital, he learned quite a lot about cancer and chemo from patients and professionals.