Archive for the ‘Employer health insurance’ Category

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Healthcare Reform and Labor Day

September 4, 2010
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Labor Day weekend is a good time to ask, “how has health care reform affected American workers?”

Remember President Obama’s line, “if you like your health insurance, you can keep it.”YouTube Preview Image

The members of the United Steelworkers Local 7-669 In Metropolis, IL wanted to keep their benefits.  Understandable.  They wok in a chemical plant owned by Honewell, Inc. that produces uranium hexafluoride, a highly toxic material regulated by the Nuclear Regulatory Commission (NRC).

In front of the Honeywell plant, the union has erected 42 crosses in memory of those members who have died of cancer.  This is that same Honeywell company that brought you that little round thermostat that keeps your home comfortable. Continue reading ‘Healthcare Reform and Labor Day’

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End of the World as We Know It?

July 10, 2010
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In an article in Employee Benefit News, Nancy Bolton expressed some of the concern, confusion, and questions of many in the employee benefits profession right now.

Where are we going?

Where are we going?

Will health care reform be good for employee benefit plans?

Readers familiar with my musings and rants will know that I will not mourn the demise of employer sponsored health coverage.  But I am also no fan of an individual mandate.

Good guys

Nevertheless, Bolton’s perspective is an interesting one.  Like me, she administers a public plan.  She asks the question, “Aren’t employers the good guys?”

Why didn’t the politicians who loudly proclaimed support for employment based health care, do more to underwrite its cost. Continue reading ‘End of the World as We Know It?’

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The Devil is the Details – Covering Dependents to 26

July 4, 2010
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3490883926_2b26f448beFor all of the fuss about “big government” and about 2,000 page pieces of legislation, you might think there would be more pressure for legislators to take the simple route.

Not!

Take the provision in the Patient Protection and Affordable Care Act that extends care to dependents up to age 26.

HR 676 – the single payer legislation that is still before the House of Representatives – has this to say about eligibility:

All individuals residing in the United States (including any territory of the United States) are covered under the USNHI Program entitling them to a universal, best quality standard of care.

Compare that with language in the Patient Protection and Affordable Care Act (PPACA) regarding eligibility just for those young adults up to age 26 who are children of parents with employer sponsored health insurance. Continue reading ‘The Devil is the Details – Covering Dependents to 26’

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Read My Lips – You Can Keep Your Insurance!

June 27, 2010
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“If you are among the hundreds of millions of Americans who already have health insurance through your job, … nothing in this plan will require you or your employer to change the coverage or the doctor you have. Let me repeat this: nothing in our plan requires you to change what you have.”

How much longer?

How much longer?

President Barack Obama used these words on September 9, 2009 before a joint session of Congress.

On other occasions the President has stated more bluntly, “If you have insurance you like then you will be able to keep that insurance.  If you have a doctor that you like, you will be able to keep your doctor.”

Read my lips

I predict that within five years these words will be tacked up along side, “Read my lips!  No new taxes!”  as examples of presidential overstatements. Continue reading ‘Read My Lips – You Can Keep Your Insurance!’

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Why Should Employers Offer Health Insurance?

June 21, 2010
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Mr. Gay Burke, writing for the Denver Post asks the question, “Why should employers pay for health care?”

To Mr. Burke:

An upside down world

An upside down world

Right question.

Wrong answer.

Employers tend to be a smart group.  Otherwise they would not be running successful businesses.  But on health care, they have been stupid, blind and stubborn.

I can say that, in part, because I have spent nearly thirty years in the employee benefits profession.

The stubborn follows from the blind and stupid.

So let’s look at stupid first

Mr. Burke is onto something when he questions the role of employers in providing health insurance to employees.  This is an admittedly illogical system.  For starters, the doctor patient relationship is one that relies on continuity.  Fostering that continuity is one of the major ingredients in proposals for health care delivery reform. Continue reading ‘Why Should Employers Offer Health Insurance?’

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