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Saturday, September 19, 2009

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Humana Insurance and others will be accepted in Seasonal Flu Vaccination drive

The Corpus Christi-Nueces County Public Health District announces that it will hold another "Seasonal" Flu Vaccination Drive Through clinic for anyone aged 6 months and older. The clinic will be held from 6:30 a.m. to 1 p.m. Saturday, September 26, 2009 in the parking lot of the Richard Borchard Fairgrounds, located at 1213 Terry Shamsie Boulevard in Robstown. The public is advised to use the Main Street entrance.

The Health District recommends that anyone receiving a "seasonal" flu shot at the Drive Through Vaccination Clinic wear short sleeve attire to allow easier access. Anyone who is allergic to eggs cannot receive the flu shot.

To expedite the vaccination process, the Health District urges residents who go to the Drive Through Clinic to please print and fill out their forms and bring them when they come to the clinic. To download forms, go to www.ccpublichealth.com, and then click Flu Update. Or you can pick up copies of the forms at the Horne Road Clinic or the Robstown Clinic. Their addresses are:

œ Horne Road Clinic, 1702 Horne Road. Call 361-826-7200 for more information.

œ Robstown Clinic, 710 East Main, Robstown. Call 361-767-5214 for information.

The cost for the flu shot is $20 per dose (cash or check). Current Medicaid, Medicare and Humana Insurance (only commercial HMO, PPO, and Medicare Gold Plus Plans) cards will also be accepted. The flu vaccine is subject to availability.

Dr. William Burgin, Jr., Local Health Authority for the Health District, reports that there are only 2,000 "seasonal" flu vaccine doses available. Once the stock is depleted, the Health District will not have any more "seasonal" flu vaccine available. Flu shots are also available through many medical providers in the community.

The recommendation this flu season is that everyone 6 months of age and older receive both "seasonal" flu shots and then H1N1 shots when they become available. Again, anyone who is allergic to eggs cannot receive the flu shot.

For more information, please contact the Health District at 826-7200.



Source:
KrisTV.com
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Wednesday, August 5, 2009

What's so great about private health insurance?

The bloody battle in Congress over a 'public option' ignores the insurers' role in creating the nation's healthcare crisis and their efforts to throttle reform.
Michael Hiltzik August 3, 2009

Throughout the heroic struggle in Congress to provide a "public option" in health insurance, one question never seems to get answered: Why are we so intent on protecting the private option?

The "public option," as followers of the debate know, is a government-sponsored health plan that would be available as an alternative to, and in competition with, the for-profit health insurance industry, otherwise known as the private option.

On Friday, the House Committee on Energy and Commerce narrowly passed a reform bill incorporating a public option resembling Medicare. It was a bloody fight among members of Congress, some of whom believe that the public option will give the government unwarranted power over healthcare, and all of whom enjoy government-provided healthcare that's a lot better than what most of us get.

But the battle is just beginning. After the committee vote, House Speaker Nancy Pelosi warned that the health insurance industry will conduct a "shock and awe" campaign to kill the public option when Congress returns from vacation in September and starts debating the measure. We can expect to be overwhelmed with an industry ad campaign worth millions of dollars (remember Harry and Louise?) exhorting us to write our lawmakers to preserve the American way of healthcare.

So it's proper to remind ourselves what that American way entails. For if the insurers have proved anything over the last 15 years as the health crisis has gathered speed like an avalanche roaring downhill, it's that they're part of the problem, not the solution.
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READ MORE....

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Lower costs to fix health care

Last week, Congress moved forward in the health care debate by introducing two draft bills, one in the House and one in the Senate. For those of us from upstate New York, this debate is long overdue. As a small businessman, I understand that health care reform is not only critical for healthy families and strong businesses, but it's also a critical component of long-term economic recovery.

Today, roughly 11.2 million people in New York get health insurance on the job, where family premiums average $13,971, about the annual earning of a full-time minimum wage job, according to the Department of Health and Human Services. Small businesses face similar pressures as employer-provided health insurance costs have increased by a staggering 120 percent in the last nine years, as reported by the Kaiser Family Foundation's annual survey on employer-sponsored health benefits. Our nation has the most expensive health care system in the world, and yet we are no healthier for it. The result is not only unhealthy Americans, but also strained family budgets and struggling businesses.

While we can all agree on the need for health care reform, there are many ideas on how to best achieve our goal of affordable health care for all Americans. Before we throw money at a broken system, we need to make fundamental reforms to reduce the overall cost of health care. We must focus on cutting waste, creating a system based on healthy outcomes and driving competition.

First, we need to change the fundamentals of the health care system. Instead of payments for providers based on the number of tests and procedures they do, our system should reward healthy outcomes for patients.

Second, we need to create national administrative standards for billing forms and codes, as well as procedures for the approval of treatments. According to a national study conducted by Weill Cornell Medical College, the cost of interaction between physician practices and health plans is roughly $31 billion annually, making up 6.9 percent of the total costs for physician and clinical services.

Not only does this waste money, it also wastes time. In the past two years, we have seen physicians spend the equivalent of three weeks per year, nurses more than 23 weeks per physician per year, and clerical staff 44 weeks per physician per year, interacting with health plans.

This bureaucratic nightmare has to stop. The insurance companies might complain, but the introduction of standard forms, codes and practices will cut waste and encourage providers to focus on healthier patients instead of red tape.

Third, we need a plan that sets a standard for the level of quality health care coverage deserved by all Americans. For example, I support the concept of a market-driven public option designed to compete with the private insurance market on a level playing field. The inclusion of such a plan in the free market system will provide more choice for consumers thus creating more competition and ultimately driving down costs. Having a public option would allow customers to more easily compare coverage packages offered by different insurance plans.
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The Source
Times Union
By SCOTT MURPHY
First published in print: Friday, July 24, 2009
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AIG places AIU Holdings into special unit

NEW YORK — Insurer American International Group Inc. took another step Monday toward spinning off its property casualty and general insurance business and renamed the operation Chartis.

AIG placed Chartis, formerly known as AIU Holdings, into a separate unit known as a special-purpose vehicle, or SPV. SPVs are entities sometimes set up ahead of the split or sale of a unit to separate its operations from the parent company.

In April, New York-based AIG said it would spin off AIU Holdings, which includes commercial insurance, foreign general insurance and private client group businesses, into a separate firm as part of its restructuring plan to help repay a $182.5 billion government bailout. The business serves more than 40 million clients in 160 locations.

Kristian Moor was named president and CEO of Chartis on Monday.

The government provided AIG with an $85 billion rescue package amid the growing credit crisis in September. In return, the government took about an 80 percent stake in AIG. Since then, the government has provided additional rounds of support that now total $182.5 billion.

AIG has been selling assets, cutting costs and planning to spin off multiple operations to repay the government.

Aside from AIU Holdings, AIG has also said it would place two life-insurance subsidiaries — American International Assurance Co. and American Life Insurance Co. — into special-purpose vehicles ahead of planned spinoffs. After setting up a special-purpose vehicle, AIG could still have the option of selling the operations to another investor or launching initial public offerings for shares in the businesses.

Although AIG could retain majority stakes in each of the spinoffs, separating the units allows them to create different management teams to operate the firms.

The spinoffs also allow AIG to separate the still-performing businesses from a parent company whose brand is likely hindering business. Being able to rename some of the operations while cashing in a portion of their market value could help further stabilize business while paying off the government loan.

Shares of AIG rose 54 cents, or 4.3 percent, to $13 in afternoon trading.

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The Source
The Associated Press
(AP) – Jul 27, 2009
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Nationwide Mutual Insurance settlement may affect 305,000 North Carolinians

Nearly 305,000 Nationwide Mutual Insurance Co. policyholders in North Carolina may qualify for a class-action settlement involving claim payments dating back to 1996.

The class-action lawsuit alleges that from 1996 to March 20, 2009, Nationwide and its affiliated companies underpaid policyholders by not including general contractors’ overhead and profit when paying certain claims for repairing damage to buildings and other structures.

Eligible policyholders must submit their settlement claim form by Aug. 26 to receive a portion of the settlement, the value of which was not revealed. Potentially eligible consumers should have received a notice in the mail, but consumers can get more information online at http://www.alexanderclassactionsettlement.com.

The Nationwide companies involved are: Nationwide Mutual Insurance Co., Nationwide Mutual Fire Insurance Co., AMCO Insurance Co., Allied Property and Casualty Insurance Co., Depositors Insurance Co., National Casualty Co., Nationwide Insurance Co. of America, Nationwide Affinity Insurance Co. of America, Nationwide Property and Casualty Insurance Co., Nationwide Lloyds, Nationwide Insurance Co. of Florida, Nationwide Indemnity Co., Scottsdale Indemnity Co., Scottsdale Surplus Lines Insurance Co. and Scottsdale Insurance Co..

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The Source
The Business Journal
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Health Insurance Policy Is Carved Out at Table for 6

By DAVID M. HERSZENHORN and ROBERT PEAR
Published: July 27, 2009

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WASHINGTON — On the agenda is the revamping of the American health care system, possibly the most complex legislation in modern history. But on the table, in a conference room where the bill is being hashed out by six senators, the snacks are anything but healthy.

Last week, there were chippers — chocolate-covered potato chips — described on a sign as “North Dakota Diet Food.” More often, there are Doritos, pretzels, Oreo cookies and beef jerky: fuel to get through hours of talks on topics like the actuarial values of private insurance plans or the cost-sharing provisions of Medicare.

The fate of the health care overhaul largely rests on the shoulders of six senators who since June 17 have gathered — often twice a day, and for many hours at a stretch — in a conference room with burnt sienna walls, in the office of the Senate Finance Committee chairman, Max Baucus, Democrat of Montana.

President Obama and Congressional leaders agree that if a bipartisan deal can be forged on health care, it will emerge from this conference room, with a huge map of Montana on one wall and photos of Mike Mansfield, the Montanan who was the longest-serving Senate majority leader, on the other.

The battle over health care is all but paralyzed as everyone awaits the outcome of their talks.

Mr. Baucus says his group will produce the bill that best meets Mr. Obama’s top priorities, broadly expanding coverage to the uninsured and curtailing the steep rise in health care spending over the long term, what policy makers call “bending the cost curve.”

Still, if the three Democrats and three Republicans can pull off a grand bargain, it will have to be more conservative than the measures proposed by the House or the left-leaning Senate health committee. And that could force Mr. Obama to choose between backing the bipartisan deal or rank-and-file Democrats who want a bill that more closely reflects their liberal ideals.

Already, the group of six has tossed aside the idea of a government-run insurance plan that would compete with private insurers, which the president supports but Republicans said was a deal-breaker.

Instead, they are proposing a network of private, nonprofit cooperatives.

They have also dismissed the House Democratic plan to pay for the bill’s roughly $1 trillion, 10-year cost partly with an income surtax on high earners.

The three Republicans have insisted that any new taxes come from within the health care arena. As one option, Democrats have proposed taxing high-end insurance plans with values exceeding $25,000.

The Senate group also seems prepared to drop a requirement, included in other versions of the legislation, that employers offer coverage to their workers. “We don’t mandate employer coverage,” Senator Olympia J. Snowe, Republican of Maine and one of the six, said Monday. Employers that do not offer coverage may instead have to pay the cost of any government subsidies for which their workers qualify. In the House, centrist Democrats have temporarily stalled the health care bill, many lawmakers want to see what Mr. Baucus’s group produces before voting on tax increases in the House bill.

Mr. Obama, in his news conference last week, praised the three Republicans in the Senate group — Michael B. Enzi of Wyoming, Charles E. Grassley of Iowa and Ms. Snowe. Mr. Grassley, the senior Republican on the Finance Committee, and Mr. Baucus share a history of deal-making, and group members said they share a sense of trust despite the partisan acrimony that pervades the Capitol.

Mr. Enzi, who sits on both the Finance Committee and the health committee, has a long record on health issues but found Democrats on the health panel unwilling to compromise.

And Ms. Snowe, one of two centrist Republicans, often teams with Democrats as she did on the economic stimulus plan this year.

After the group insisted it needed more time, the majority leader, Senator Harry Reid of Nevada, conceded that a floor vote would have to wait until after the summer recess. “If this is the only bill with bipartisan support,” Ms. Snowe said, “that will really resonate. It could be the linchpin for broad bipartisan agreement.”

In addition to Mr. Baucus, the Democrats are Senators Kent Conrad of North Dakota and Jeff Bingaman of New Mexico.

“I think there’s a heavy sense of responsibility among this group,” Mr. Conrad said in an interview. “Our country needs us to get this right.”

As they near a deal, however, Mr. Baucus is getting resistance from Democrats who think he is giving too much ground.

Mr. Grassley said the group agreed on how to achieve most of the larger policy goals, including barring insurance companies from denying coverage based on pre-existing conditions and better managing treatment of costly chronic diseases like diabetes and asthma. But there have been sharp disagreements, particularly over how to pay for the legislation.

Often a single topic can consume an entire day or more. On Wednesday of last week, it was Medicaid, the federal-state insurance program for low-income people that was likely to be expanded but was also a major factor in the legislation’s high cost.

Another recent topic has been how to create payment incentives for doctors and other providers to work in collaborative teams, as part of so-called accountable care organizations.

“The talks are free-flowing,” Ms. Snowe said. “Max is very inclusive,” she said of Mr. Baucus.

Members of the group methodically work through issues. When they reach a tentative agreement, Mr. Baucus asks, “Can I put down a ‘T’?”

“It’s very businesslike,” Mr. Conrad said. “Everybody participates. One senator might carry a discussion. Others chime in. Senator Baucus, the chairman, is the leader, but he rides with a very light rein.”

Typically, they gather at 10 a.m., break around noon for meetings, lunches and votes, and then resume at 2:30. Each senator now claims the same seat — “just like kids in school,” Ms. Snowe said in an interview.

Then, there are the refreshments. The coffee, brewed in the office, is roasted in Montana, usually the Grizzly or Buffalo blends.

For all the discussions about preventive medicine, and the need to encourage Americans to lead healthier lives, carrots and celery sticks are not typical.

“The food leaves something to be desired,” Ms. Snowe said. But she also noted that no one was in the room to eat.

“There are not many occasions when we have the opportunity to sit down and immerse ourselves in an issue like this, an issue that has profound implications for the country, with historic overtones, to say the least,” Ms. Snowe said. “I feel privileged to participate.”
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The Source
The New York Times
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