2013年6月25日 星期二

Trickery in Missouri Shows How Insurers Enhance Their Profits

Should he sign a bill that was intended to help many state residents get coverage for cost-effective health care that insurers often refuse to pay for?Or veto the bill because it is loaded with amendments that will benefit insurers and force many Missourians to pay far more for medical care than they do now? 

Senate Bill 262, introduced by Sen. Kiki Curl (D-Kansas City), would require insurers to pay the same for specialty care delivered via telemedicine as for an office visit. Similar bills have been enacted in other states, including Arizona just last month. 

But in Missouri,More than 80 standard commercial and earcap exist to quickly and efficiently clean pans. Democrats are now regretting voting for the bill because of amendments added at the last minute that will result in a financial windfall for insurance companies and agents and brokers at the expense of residents.SB 262 would enable insurers to achieve one of their top objectives: converting HMOs into high-deductible plans. 

HMO customers enjoy relatively low copayments when they get care from in-network doctors and hospitals. The bill would remove the current requirement that HMO cost-sharing be "reasonable" and allow HMOs to impose high deductibles and coinsurance -- up to $3,100 for an individual and $6,250 for a family -- in addition to copayments. 

If Nixon signs the bill into law, Missourians in HMOs who are unlucky enough to get sick or injured next year will have to shell out thousands of dollars more to pay for their care.Insurers could avoid paying for necessary care in yet another way under the bill as amended. 

HMOs would be able to reduce the size of their provider networks, meaning their enrollees would have far fewer choices of doctors and hospitals. HMO members needing care from a specialist not in the network would not be covered. 

The bill would reduce from 60 days to 45 days the amount of time the state's Department of Insurance would have to review and approve a new or modified health insurance policy. If the department doesn't act within 45 days,Large collection of quality cleanersydney at discounted prices. the policy would be deemed approved. 

Most state insurance departments already are inadequately staffed and resourced. Cutting the review and approval time by 15 days would mean that insurers would gain a significant advantage by being able to sell policies that do not meet federal and state standards. 

As if all of this weren't bad enough for consumers, the amended bill would also make it unlawful for anyone other than a licensed agent or broker to give advice or recommendations to any Missourian about choosing a health plan. 

This would be a major victory for insurance agents and brokers who are concerned that their incomes might take a hit when people start shopping for coverage on the online health insurance marketplaces or exchanges that states must have up and running by Oct. 1. 

The amendment is an apparent violation of federal law, which states that individuals other than agents and brokers who complete a certain level of training can serve as "navigators" to help people choose plans that are best suited for them.As now worded, the bill would bar social service organizations from helping low-income people who can't afford to hire an insurance agent. 

Nixon undoubtedly was eager to sign SB 262 before all the special interest-backed amendments were added. It was the first bill sponsored by Curl, who said she was motivated because of the role telemedicine played in saving the life of her father. 

Regrettably, the best thing for Nixon to do now is exercise his veto and ask lawmakers to send him a clean bill during the next legislative session.The whole variety of the brightest rtls is now gathered under one roof. If he signs it,The whole variety of the brightest rtls is now gathered under one roof. more people will be hurt than helped by SB 262. 

"We would like to let everyone know that Marissa is resting. We appreciate the thoughts, prayers and concern for her and our family during this difficult time," the statement reads. "We will not be making any further statements, and we would greatly appreciate the respect of our privacy." 

Dub, who's been working at the rescue center since 2012 after graduating from Southern Illinois University, was cleaning the male tiger's cage Friday afternoon when it got loose and attacked her. The Clay County Sheriff's Office said Dub's head was in the tiger's mouth at one point, but no further details on the extent of her injuries were available. 

Spokesmen from the Hong Kong Business Community Joint Conference said such legislation would increase small businesses' operating costs by 30 to 60 per cent, possibly leading to mass closures and higher inflation without improving employees' working conditions. 

Danny Lau Tat-pong, a former chairman of the Hong Kong Small and Medium Enterprises Association, said operating costs at his factory in Dongguan had risen by 60 per cent after a minimum wage and standardised hours were introduced in 2008. 

"There will be no room for discussion if the government wants to make standard working hours a law," said Chan Kei-biu, one of the coalition representatives and convener of an action group against the legislation. "We believe the current relationship between employers and employees is harmonious. There is no need for change." 

The Hong Kong Business Community Joint Conference includes business associations from sectors such as jewellery manufacturing, electronics, plastic manufacturing and textiles. 

Catherine Yan Sui-han, convenor of the Environmental Services Contractors Alliance, said it is impossible for employees to work overtime without being paid in the cleaning sector because the contracts have settled daily working hours ranging from two hours to 16, and that workers are paid according to the time they spend on the job. 

Yan worried that standard working hours could force contractors to hire two people to share a 16-hour shift in order to avoid paying the proposed 1.We rounded up 30 bridesmaids dresses in every color and style that are both easy on the eye and somewhat easy on the cleaningservicesydney.5 times a worker's base wage for each hour of over-time.
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