Category Archives: High Deductible Health Plans

Whitehouse Praises Obamacare for Access to Mental Health

From the Whitehouse press office:

Obamacare Will Help 172,000 Rhode Islanders Gain Access to Mental Health and Substance Use Disorder Benefits

Washington, DC– According to data released today by the White House, 172,000 Rhode Islanders will gain access to expanded mental health and substance use disorder benefits and federal parity protections thanks to the Affordable Care Act (ACA).  U.S. Senator Sheldon Whitehouse (D-RI), a strong advocate for mental health parity, applauded the announcement as the latest example of the ACA improving care for Rhode Islanders.

“For too long, Americans suffering from mental health conditions have been stigmatized, misdiagnosed, and poorly treated,” said Whitehouse.  “The new benefits provided through the health care law will complement the landmark mental health parity law championed by Congressman Patrick Kennedy in 2008, and are an important step toward improving care for mental health patients.  It’s long past time to recognize that mental health is just as important as physical health by providing equal access to care, and the Affordable Care Act is helping us do so.”

Because of the health care law, for the first time insurance companies in the individual and small group market are required to cover mental health and substance use disorder services as one of ten categories of essential health benefits.  Additionally, insurance companies must cover these services at parity with medical and surgical benefits, which means, for example, out-of-pocket costs for behavioral health services must be comparable to coverage for medical and surgical care.

An estimated one in five adults experiences a mental health problem in any given year.  While most mental health problems are treatable, mental health patients too often cannot access needed treatment if they do not have health insurance that covers mental health services.  The Affordable Care Act requires most health plans to cover recommended preventive services like depression screenings for adults and behavioral assessments for children at no cost to consumers.  And, because of the law, starting in 2014 insurers will not be able to deny coverage or charge individuals more due to pre-existing conditions, including mental health problems.

Over the past several years, Senator Whitehouse has emerged as one of the leaders in Congress on mental health issues.  He strongly supported Congressman Kennedy’s Mental Health Parity and Addiction Equity Act in 2008, and in 2010 Whitehouse and Kennedy teamed up to introduce the Health Information Technology (HIT) Extension for Behavioral Health Services Act.  That bill would have made federal HIT incentives available to behavioral health, mental health, and substance abuse treatment providers who are currently ineligible to receive incentives available to a majority of medical professionals and facilities.  Whitehouse has continued working on that legislation since Kennedy’s retirement, reintroducing it earlier this year.

While I see this as overall good news, I want to caution mental health consumers out there to be aware of your deductibles when you go into treatment, particularly into higher levels of care, and particularly if you have a high deductible health plan.  Remember that you have the right to know the costs of your treatment up front.

Schizophrenia about High Deductibles

Money shot quote from a compelling article by Greg Scandlen about the schizophrenic effects of High Deductible Health Plans:

I don’t expect physicians to double as financial advisers, but I agree that they should be more aware of the costs of the treatments they prescribe. In my own case, my doctor prescribed a blood pressure medication. When I went to fill the prescription I discovered it was enormously expensive. I went back to my Doc to see if there was something more affordable available. No one had ever asked him about that, but when he looked into it, by golly there was a list of 25 different meds with prices ranging 1,000 percent, all equally effective.

That is the effect of an empowered consumer. Ultimately physicians will respond to the demands of their patients and as more of us are paying cash for services, we will insist on cost considerations far beyond what any third party payer could do. Unfortunately, the ObamaCare approach is far too clumsy to be effective in empowering consumers. The great advantage of funded HSAs is they give patients the means to pay the bill, but also get them to think twice about the costs. It is a carefully balanced approach to growing educated patients. ObamaCare just throws people in the deep end of the pool without any support. It is cruel and mean spirited — just what you might expect from the government.

via Schizophrenia about High Deductibles | Somewhat Reasonable.

Obama administration knew millions could not keep their health insurance – Investigations

Rut-ro.

Obama administration knew millions could not keep their health insurance – Investigations.

Hospitals worry theyll be stuck with more bills under Obamacares high-deductible plans – Cleveland Business News – Northeast Ohio and Cleveland – Crains Cleveland Business

Something will need to be done about this.

Hospitals worry theyll be stuck with more bills under Obamacares high-deductible plans – Cleveland Business News – Northeast Ohio and Cleveland – Crains Cleveland Business.

Profiles in health care: Young, healthy artist weighs insurance options video | The Journal News | lohud.com | lohud.com

What it looks like at ground level for the young, the healthy, and the artistic who want to get health insurance…

Profiles in health care: Young, healthy artist weighs insurance options video | The Journal News | lohud.com | lohud.com.

Despite expanded coverage, hospitals may see more bad debt – Nashville Business Journal

I definitely don’t want to harsh on anyone’s mellow about Obamacare, but this is the part that worries me:  the bad debt that hospitals are going to take on.  This issue is going to have to be reconciled somehow.

Despite expanded coverage, hospitals may see more bad debt – Nashville Business Journal.

Aon Hewitt Research Finds Consumer-Driven Health Plans Continue to Grow in Popularity – WSJ.com

Well this definitely puts a positive spin on HDHP’s.  It’s hard to argue with high consumer satisfaction ratings.

Aon Hewitt Research Finds Consumer-Driven Health Plans Continue to Grow in Popularity – WSJ.com.

The ACA and High-Deductible Insurance — Strategies for Sharpening a Blunt Instrument — NEJM

New England Journal of Medicine calls attention to High-Deductible health plans and how they impact care.

The ACA and High-Deductible Insurance — Strategies for Sharpening a Blunt Instrument — NEJM.

6 Good and Bad Reasons Health Care Costs May Slow | The Fiscal Times

Good analysis here…

6 Good and Bad Reasons Health Care Costs May Slow | The Fiscal Times.

YOUR MONEY-Bargain-hunting may lead to fewer health insurance choices | Reuters

I have heard many predictions about what health care reform will bring.  This one suggests that high end plans may be driven out of the market.

YOUR MONEY-Bargain-hunting may lead to fewer health insurance choices | Reuters.

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