Welcome to "Guess the Increase"

[Crabcake Johnny]

After Sept 23rd all plans sold must include these preventive services at absolutely no charge to the insured.

Can we guess the rate increase? Anyone want to start the bidding?

Preventive Services Covered under the Affordable Care Act


"If you have a new health insurance plan or insurance policy beginning on or after September 23, 2010, the following preventive services must be covered without your having to pay a copayment or coinsurance or meet your deductible, when these services are delivered by a network provider."

Covered Preventive Services for Adults

Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
Alcohol Misuse screening and counseling
Aspirin use for men and women of certain ages
Blood Pressure screening for all adults
Cholesterol screening for adults of certain ages or at higher risk
Colorectal Cancer screening for adults over 50
Depression screening for adults
Type 2 Diabetes screening for adults with high blood pressure
Diet counseling for adults at higher risk for chronic disease
HIV screening for all adults at higher risk
Immunization vaccines for adults--doses, recommended ages, and recommended populations vary:
Hepatitis A
Hepatitis B
Herpes Zoster
Human Papillomavirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Tetanus, Diphtheria, Pertussis
Varicella
Obesity screening and counseling for all adults
Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
Tobacco Use screening for all adults and cessation interventions for tobacco users
Syphilis screening for all adults at higher risk

Covered Preventive Services for Women, Including Pregnant Women

Anemia screening on a routine basis for pregnant women
Bacteriuria urinary tract or other infection screening for pregnant women
BRCA counseling about genetic testing for women at higher risk
Breast Cancer Mammography screenings every 1 to 2 years for women over 40
Breast Cancer Chemoprevention counseling for women at higher risk
Breast Feeding interventions to support and promote breast feeding
Cervical Cancer screening for sexually active women
Chlamydia Infection screening for younger women and other women at higher risk
Folic Acid supplements for women who may become pregnant
Gonorrhea screening for all women at higher risk
Hepatitis B screening for pregnant women at their first prenatal visit
Osteoporosis screening for women over age 60 depending on risk factors
Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
Syphilis screening for all pregnant women or other women at increased risk

Covered Preventive Services for Children

Alcohol and Drug Use assessments for adolescents
Autism screening for children at 18 and 24 months
Behavioral assessments for children of all ages
Cervical Dysplasia screening for sexually active females
Congenital Hypothyroidism screening for newborns
Developmental screening for children under age 3, and surveillance throughout childhood
Dyslipidemia screening for children at higher risk of lipid disorders
Fluoride Chemoprevention supplements for children without fluoride in their water source
Gonorrhea preventive medication for the eyes of all newborns
Hearing screening for all newborns
Height, Weight and Body Mass Index measurements for children
Hematocrit or Hemoglobin screening for children
Hemoglobinopathies or sickle cell screening for newborns
HIV screening for adolescents at higher risk
Immunization vaccines for children from birth to age 18 —doses, recommended ages, and recommended populations vary:
Diphtheria, Tetanus, Pertussis
Haemophilus influenzae type b
Hepatitis A
Hepatitis B
Human Papillomavirus
Inactivated Poliovirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Rotavirus
Varicella
Iron supplements for children ages 6 to 12 months at risk for anemia
Lead screening for children at risk of exposure
Medical History for all children throughout development
Obesity screening and counseling
Oral Health risk assessment for young children
Phenylketonuria (PKU) screening for this genetic disorder in newborns
Sexually Transmitted Infection (STI) prevention counseling for adolescents at higher risk
Tuberculin testing for children at higher risk of tuberculosis
Vision screening for all children
Learn more detailed information on these preventive services.

 

[Fisher]

Obesity screening

That will be big (pun?) here in the Miz. Although I don't see the need for screening -- pretty easy to just use your eyeballs.

Where's the link to this info?

 

[Crabcake Johnny]

Preventive Services Covered under the Affordable Care Act

 

[ksigmtsu]

Oh, John, you know ultimately all those extra screenings will make the cost of insurance go down, not up. Didn't you listen to the debates?
Lol.

My guess is that on a carrier by carrier basis, you'd see the ones that already prepared for this not change much, like BX in TN and Golden Rule already had most of this built in with a 35$ office visit copay. If they can't charge the copay anymore I'd expect 15$ a month. Humana and Cigna I bet have moderate increases, I would assume 20-25 dollars per month on the PPO copay plans and probably a little less on the HSA line with Humana. I bet you see plans that had no preventive go up 40$ a month or more.

Crazy thing, that is going to include plans like the HealthAccess A Assurant plan, because it was defined as major medical. The people grandfathered into those are going to be required to have that benefit added if they enrolled this year after the cutoff date but before it was removed from the market. I placed a couple uninsurable people in that plan for that specific reason, so that they COULD keep it when the benefit was added as long as the rate increase wasn't over 50 dollars per month.

 

[somarco]

Most of those preventive things are already covered and included in many plans with a copay and in some cases at no charge to the insured. You can offer unlimited preventive care and most folks won't take advantage of it. Women & kids are the ones who use preventive care the most. Biggest cost factor (immunizations) is already covered up to age 5 here and probably other states as well.

Overall this might boost rates 2% plus another 2 - 3% for unlimited lifetime max.

GI for kids under 19 is what will make the rates go wacko and that will happen just in time for the Nov elections.

 

[Winter_123]

Can we guess the rate increase? Anyone want to start the bidding?

.

0 in my state. Rate increases not allowed regardless of costs. Coming to your neighborhood soon.

 

[Crabcake Johnny]

The industry to get into? Medical tourism.

 

[TXINSURANCE]

After Sept 23rd all plans sold must include these preventive services at absolutely no charge to the insured.

You sure about that? Carriers I am talking with are saying plans sold after 3/23/10.

 

[somarco]

I believe there is still confusion over that Joe. One of the reasons why GR/UHC and Time dropped maternity like it was a fresh turd is because they believed plan changes would be retroactive to the date the bill was signed.

OTOH, we had a rollout of new H1 plans this week in GA. The question about lifetime maximums was brought up and the response was HHS has not yet issued the regs. When they (regs) are issued they will have to adjust accordingly.

Same applies to GI for kids which was not in the original bill. They just make this stuff up as they go.

Isn't this fun?

 

[Crabcake Johnny]

I'm quoting off the gov't site.