Arch Apple Financial Services

Arch Apple Financial Services

Category: Content
Type: Blog Article

Generated 4 days ago

New blog articles detected

  • Survey Shows Demand for Virtual Services

    Growing consumer demand for virtual healthcare services is putting increasing pressure on providers and payers to expand delivery options for on-demand health services, a new survey from Accenture found. The survey of 1,501 U.S. consumers found that the majority are willing to use a wide range of virtual health services. For instance, about three-quarters of respondents […]

  • Obamacare Stalwart Molina Has Not Committed to Renewal

    Molina Healthcare, a Long Beach health insurer known traditionally as a Medicaid provider, is one of the more important insurers in the Affordable Care Act marketplace, covering roughly 600,000 ACA enrollees in nine states, and its chief executive warns that Republican dithering over repealing and replacing Obamacare has the potential to damage the marketplace. “We don’t know what Congress will do...

  • ACA Focus of Angst at Raucous Town Hall Meetings

    More than seven years after angry anti-Obamacare town halls erupted across the country, raw emotions are boiling over again — this time, as the Republican Party under President Donald Trump gears up to dismantle Barack Obama’s legacy. And the fury is flaring up in some of most conservative corners of the country. Two Republican members […]

  • Anthem-Cigna Becomes Second Mega-Merger to Get Shot Down

    A federal judge in Washington, D.C., blocked the proposed mega-merger of health insurance heavyweights Anthem and Cigna. The $54 billion deal — Anthem was trying to acquire Cigna — would have created the largest health insurance company in the nation. The decision follows a similar ruling that halted Aetna’s bid for Humana Inc.  The judge’s ruling came […]

  • Women more likely to work full time into 60s and 70s

    Women’s career trajectories are more closely mirroring men’s, including an increasing tendency to work full time into their 60s and 70s, according to studies of census, earnings and retirement data. Today, about 30% of women aged 65 to 69 are working, nearly double the rate from the late 1980s, with more highly educated women more […]

  • Long-Term Care Costs Climbing

    A couple in their 60s both purchasing new long-term care insurance coverage can expect to pay between 6 and 9 percent more compared to a year ago, according to the annual industry analysis of prices. “A typical couple where both spouses are age 60 will pay between $100 and $150 a month each for long-term […]

  • Bill Targets Drug Coupons

    California Healthline reports that a state lawmaker has introduced a bill that would ban drugmakers from issuing coupons that lower patients’ prescription copayments for certain drugs. The bill by Assembly member Jim Wood, D-Healdsburg, would prohibit distribution of discount coupons for prescription drugs where a cheaper, FDA-approved equivalent exists. Wood, who is chairman of the Assembly Healt...

  • Uninsured Rates Could Climb Under Repeal

    While the GOP-led Congress promises to ‘repeal and replace,’ new studies show repealing parts of the ACA could result in the number of uninsured Californians increasing above pre-ACA levels. After the ACA was passed, California saw the largest decline in the uninsured rate in the nation, dropping from 6.5 million in 2013 to 3.3 million […]

  • Covered California Enrollment Falls 3 Percent

    The number of Californians newly signed up for health insurance through Covered California, the state’s insurance marketplace created under the Affordable Care Act, dropped 3 percent compared with last year, according to enrollment figures released by Covered California. About 412,000 people signed up for health plans through the exchange during the open enrollment period for […]

  • Hospital Execs Say ‘Show Me the Money’

    Hospital executives have met with lawmakers in Washington, D.C., and expressed concerns over losing insured patients and revenue under an Affordable Care Act replacement plan, according to a report in the Wall Street Journal. The executives have said they do not want Americans to lose insurance under any Republican ACA replacement plan, according to the […]

Arch Apple Financial Services

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected

  • Employers Overwhelmed by Managing Benefits

    Guardian Life Insurance Co. in New York, released findings that highlight the increasing challenges employers face in managing benefits costs, improving administrative efficiency, and maintaining plan compliance, all while trying to improve workforce health and productivity. Among them: Six in 10 employers feel overwhelmed with the increased complexity of managing their benefits programs. Companie...

  • Court Rejects Regulation on Dialysis

    Advocates for dialysis patients, including Dialysis Patient Citizens, are welcoming a federal court ruling in Texas that granted a preliminary injunction preventing the U.S. Department of Health and Human Services from implementing a regulation that could force patients off their current health insurance and jeopardize their access to care. In enjoining the regulation’s enforcement, the U.S. […]

  • Republican Healthcare Plans Return

    A number of Republican healthcare policy proposals that seemed out of favor in the Obama era are now being given new life, the New York Times reports. One of these involves Medicare, the government health insurance program primarily for older Americans, and is known as premium support. Right now, the federal government subsidizes Medicare premiums – those of the […]

  • Could California Go It Alone on Healthcare Reform?

    That’s the question asked by the San Jose Mercury News, and also this other one: How much would Californians be willing to spend to keep Obamacare in the Golden State? Lawmakers might be asking that to residents in the months to come as President Donald Trump and the Republican Congress scurry to repeal the Affordable […]

  • Trump’s Deregulation to Impact Healthcare Industry

    Insurance companies will be directly affected by President Donald Trump’s executive order requiring removal of at least two previously implemented regulations for every new one issued, according to Modern Healthcare magazine. The order has major ramifications for healthcare, one of the most regulated industries in the U.S. economy. Providers and vendors face a myriad of rules drafted by […]

  • Lawmakers float ACA “repair”

    Talk of repealing the Affordable Care Act among congressional Republicans has given way to efforts to “repair” the law, amid concerns about the challenges of developing a concrete replacement plan, market uncertainty and possible premium hikes if insurers do not soon have a clear framework for 2018. Insurers note that mixed messages complicate development of […]

  • Proposal would tighten ACA special enrollment rules

    A rule proposed by the Trump administration would toughen eligibility requirements for Affordable Care Act coverage during special enrollment periods, says a person with knowledge of the proposal. The Heritage Foundation’s Edmund Haislmaier says the rule would help control costs for health insurers and consumers. CNBC (2/2)

Arch Apple Financial Services

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • Trump directs agencies to take action on ACA

    Soon after he was sworn into office, President Donald Trump signed an executive order directing US government agencies to “waive, defer, grant ­exemptions from or delay” any piece of the Affordable Care Act that imposes a financial or regulatory burden. The language potentially affects consumers, insurers, health care providers and drug companies and could create […]

  • Commissioner OKs Kaiser Takeover of Seattle Cooperative

    Kaiser Foundation Health Plan Inc.’s pending acquisition of Seattle’s Group Health Cooperative drew one step closer to reality today with final approval by Washington State Insurance Commissioner Mike Kreidler. The approval was the last major hurdle before Kaiser Permanente extends its integrated model of care and coverage in the state of Washington. The Commissioner’s approval […]

  • Calif. insurance exchange errors affect thousands

    California’s health insurance exchange, Covered California, has experienced errors affecting about 50,000 people, hurting tax credits or sparking higher-than-expected premiums, while still other policy holders have been incorrectly enrolled in Medi-Cal. Program officials say that they are reaching out to those affected by the Medi-Cal problem, and in addition to their regular customer service line...

  • How insurers are shaping health care policy

    The health insurance industry is working with lawmakers to make the case for stabilizing the individual health insurance marketplace and shaping future health care policy as Republicans work to unravel the Affordable Care Act. Among the ideas being discussed are incentives to sign up for insurance if the individual mandate is repealed, retaining cost-sharing assistance […]

  • Congress will deliver repeal to Trump by March, Ryan says

    Congressional Republicans are unlikely to meet their self-imposed deadline of Jan. 27 for producing legislation that would unravel the Affordable Care Act, but House Speaker Paul Ryan, R-Wis., said Congress will send President Donald Trump a bill repealing the law by March. Today, Trump and Vice President Mike Pence join a Republican retreat to discuss […]

  • Doctors Reject Accusation of ‘Surprise’ Bills

    Health insurance companies are ignoring a real solution to “surprise” medical bills and misleading their customers and the public when they blame physicians, according to Dr. Rebecca Parker, president of the American College of Emergency Physicians.  Dr. Parker gave the following statement in response to media coverage generated by a recent letter published in the Journal […]

  • Judge Rejects Aetna-Humana Merger

    A federal judge has prohibited the merger of two health insurance giants, Aetna and Humana, upholding the Justice Department’s decision that the $37 billion deal would hurt competition and raise prices for consumers. “The Court is unpersuaded that the efficiencies generated by the merger will be sufficient to mitigate the anticompetitive effects for consumers in […]

  • Trump Order Fuels Uncertainty

    President Trump’s executive order instructing federal agencies to grant relief to constituencies affected by the Affordable Care Act has begun to reverberate throughout the nation’s health-care system, injecting further uncertainty into an already unsettled insurance landscape, reported the Washington Post. The political signal of the order, which Trump signed just hours after being sworn into off...

  • Health Underwriters Groups Calls for Delay on Some Repeal

    The board of the National Association of Health Underwriters wants health insurance reform to proceed at an orderly pace and said that repeal of tax credits should be delayed until 2019 to allow for stability in the marketplace. “Our industry is in for quite a ride as this new term gets underway,” the board of […]

  • 2017 changes to Medicare a mix of expected and unknown

    Medicare changes for 2017 include increases in premiums, deductibles and coinsurance for hospital care as well as an increase in skilled nursing facility coinsurance under Part A; increases in medical deductibles and standard monthly premiums under Part B; and changes in the cost and availability of prescription drug plans. Further changes are likely under the […]

Arch Apple Financial Services

Category: Content
Type: Blog Article

Generated 4 months ago

New blog articles detected

  • Health Benefits in 2016

    This year marks the fifth straight year of relatively low premium growth in health plans among private and non-federal public employers with three or more workers. Family coverage is growing 3% to 4% each year. However, deductibles continued to grow in 2016, according to a survey by the Kaiser Family Foundation and the Health Research […]

  • Workers Have Increased Cost Sharing

    Medical insurance costs are contributing to working Americans de-valuing their employee benefits in 2016, according to a survey by the Guardian. Employers are asking employees to shoulder a larger share of costs: 54% are implementing HDHPs (up from 48% in 2014), and 49% are increasing cost sharing (up from 43%) Benefits are still important. Three […]

  • Covered California Announces Rates for Small Group Plans

    Covered California announced the rates and expansion plans for its small group health insurance exchange. The statewide weighted average rate increase is 5.9%, for employers and their employees beginning Jan. 1, 2017, which is down from the 7.2% increase in 2016. Starting Jan. 1, Blue Shield of California will take its Full PPO plan statewide […]

Arch Apple Financial Services

Category: Content
Type: Blog Article

Generated 5 months ago

New blog articles detected

  • Millennials and Retirement Planning

    Contrary to popular belief, Millennials (ages 18-34) want to achieve many of the same traditional life milestones as do their older counterparts, but they are waiting to start saving because they don’t have enough to cover minimum expenses (38%) or don’t know where to start (27%), according to a study by the Million Dollar Round Table. […]

  • Employers Are Skeptical of Prescription Drug Mandates

    America’s employers are concerned about high drug prices and say that private sector solutions would address the issue more effectively than government intervention, according to a national survey conducted for the Pharmaceutical Care Management Association (PCMA). By a three to one margin, they say that new government mandates would lead to higher drug costs. When […]

  • Group Supports Mental Health Parity Enforcement

    The National Alliance on Mental Illness (NAMI) is supporting legislation to ensure enforcement of the 2008 federal mental health insurance parity and expanded coverage under the ACA. “While significant progress has been made, people living with mental illness continue to encounter significant barriers in getting necessary mental health services covered in health insurance,” said NAMI […]

  • CDHP Members Have Lower Health Care Spending

    People with consumer-driven health plans (CDHPs) have lower total per capita spending on health care, partly because they use less health care, according to a study by the Health Care Cost Institute. At the same time, out-of-pocket spending by CDHP consumers is 1.5 times higher than for non-CDHP consumers. For example, people in consumer-driven health […]

  • Open Enrollment Tips for Consumers

    This fall, up to 1.5 million people will be affected when Aetna, UnitedHealthcare and Humana exit some of the public exchanges. Many other plans will have narrower networks with increased premiums. That adds up to millions of Americans shopping for a plan this open enrollment season. GetInsured is offers the following tips to help consumers […]

  • Protecting Consumers From Surprise Medical Bills

    The California Legislature approved AB 72, which would provide strong protection against surprise out-of-network medical bills starting next July. The measure mandates that patients who received care from in-network facilities would only have to pay in-network cost sharing. This change would only affect non-emergency care since emergency physicians in California are already barred from balance […]

  • Most 401(k)s Fall Short of Providing Lifetime Income

    Most 401(k) plans studied by the General Accountability Office don’t include products and services that could help participants turn their savings into a lifetime retirement income. Responses to GAO’s questionnaire represented about a quarter of plans at the end of 2014. About two-thirds did not offer a withdrawal option. About three-quarters did not offer an […]

  • Small Businesses Are Rethinking Retirement Benefits

                Small business owners are finding that the Affordable Care Act (ACA) has decreased the appeal of health care benefits to employees and increased the importance of a retirement plan, according to a recent survey conducted on behalf of Nationwide. John Carter, president of Nationwide’s retirement plans business said, “The changing health […]

Arch Apple Financial Services

Category: Content
Type: Blog Article

Generated 5 months ago

New blog articles detected

  • Closing the Gap Between 401(k) Offerings and Workers’ Needs

    A study by Transamerica identifies opportunities to increase retirement security through the workplace. For example, offering automatic enrollment is one of the most effective ways to increase plan participation. Seventy-one percent of workers like the idea of automatic enrollment, but only 21% of 401(k) plan sponsors offer it. Forty-one percent of large companies offer automatic […]

  • ERs After Obamacare: More Patients, Fewer On-Call Specialists

    The average monthly emergency department visit increased 5.7% in Illinois after the implementation of the Affordable Care Act (ACA) while population numbers remained flat. While visits to emergency departments in Massachusetts climbed steadily from 2005 to 2014, the availability of on-call specialists declined significantly (surgeons, psychiatrists and other specialists). The results of two state ...

  • Emergency Doctor Slams High Deductible Plans

    The president of the American College of Emergency Physicians Jay Kaplan, MD, FACEP released a statement in response to a recent rash of articles on the spikes in price for generic and name-brand pharmaceutical drugs. The following is a summary of his comments: Consumers are rightly angered by the sudden rise in prices for certain […]

  • ACOs Prove Successful in Medicare

    The Medicare Shared Savings Program Accountable Care Organizations (MSSP ACOs) continue to generate financial savings while improving care. They do so by fostering greater collaboration among providers, according to a report by The Centers for Medicare and Medicaid Services (CMS). When an ACO achieves high-quality care and reduces above certain thresholds, the participating ACO shares […]

  • Proposed Silver Exchange Premiums Jump

    An analysis from Avalere finds that 2017 premium increases vary significantly by geography, but they are going up for the most part. Likely contributors to premium growth are lower-than-expected exchange enrollment, higher enrollee healthcare costs, and the end of the reinsurance and risk corridor programs, according to the report. Proposed premium increases average 11%, but […]

  • Experts Predict Sharp Decline in Competition in Exchanges Outside California

    An analysis by Avalere reveals that unsustainable financial losses are making several large national and regional issuers scale back or withdraw from the exchange market. Nearly 36% of exchange market rating regions are expected to have only one participating insurance carrier for the 2017 plan year. There may be some sub-region counties where no plans are […]

  • Profits Plummet for Leading Health Plans

    The majority of leading health plans saw reduced profitability in first the quarter of 2016 compared to the first quarter of 2015. On one hand, health plans saw increased enrollment in their exchange business. But the ACA also brought financial losses. Affecting profitability was the volatility in financial markets, investment losses, costs associated with pending […]

  • Insurers Focus on Off-Exchange individual Market

                Many health insurers are turning their attention to off-exchange individual plan membership as more consumers withdraw from the exchanges, according to a report by Mark Farrah Associates. Although 4.9 million new members enrolled the exchanges in 2016, individual market enrollment declined 1%. Anthem, UnitedHealth, Aetna, Health Care Service Corporation […]

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